Stress Test + GDS/TDS
Mortgage Affordability Calculator
How much mortgage you actually qualify for under the OSFI B-20 stress test — using real Canadian lender math (GDS 39%, TDS 44%, semi-annual compounding).
Income & debts
Mortgage terms
Amortization
Housing carrying costs (monthly)
Max purchase price
$554,464 mortgage + $100,000 down · limited by TDS
Stress test breakdown
Qualifying rate (7.29%)OSFI B-20
Max mortgage on GDS (39%)$556,784
Max mortgage on TDS (44%)$554,464
Binding maximum$554,464
Monthly cash flow
P&I at contract rate$3,317
P&I at stress rate$3,983
Housing total (stress + tax + heat + ½ condo)$4,533
Total monthly debt (stress)$5,133
Lenders qualify you at the stress rate but your actual payment uses the contract rate. The gap is your built-in cushion.
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How qualifying works: the stress test rate = max(contract rate + 2%, 5.25%). Your lender qualifies you at that higher rate but you pay at the lower contract rate — that gap is your built-in cushion against future rate hikes.
Also see: CMHC insurance → · Prepayment / payoff → · Land transfer tax →