OSFI Mortgage Stress Test Calculator

Check whether your mortgage qualifies under the OSFI B-20 stress test at the greater of your contract rate + 2% or 5.25%.

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The OSFI B-20 stress test requires qualification at the greater of the contract rate + 2% OR 5.25% (whichever is higher). GDS must be below 39% and TDS below 44% at the stressed rate. This calculator shows GDS only (excludes other debt). The stress test applies to federally regulated lenders; some credit unions and private lenders may have different rules. Consult a licensed mortgage professional.