See how Canada's mortgage stress test may affect the mortgage amount you could qualify for.
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Your details
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Actual rate
4.50%
Qualifying rate
6.50%
Housing costs (stress-tested) — $4,871
Other debt payments — $500
Remaining income — $6,295
Breakdown
Mortgage amount$640,000
Actual mortgage payment$3,557
Stress-tested mortgage payment$4,321
GDS ratio41.8%
TDS ratio46.0%
Based on these estimates, this scenario appears to be above common qualification thresholds. This is not an approval or decline — only a lender can make that determination.
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