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Would you pass the mortgage stress test?
Doesn't pass the stress test
Fail
Tested at 6.44% on a $500,000 mortgage.
GDS ratio
42.9% (cap 39%)
TDS ratio
47.9% (cap 44%)
Payment at your rate
$2,751/mo
Payment at tested rate
$3,331/mo
You'd pay $2,751/mo at your actual rate, but lenders test you as if the payment were $3,331/mo — the difference is the cushion in case rates rise by renewal.
To pass at this mortgage amount, income would need to be roughly $105,568 — about $9,568 more than entered.
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Ratios at the tested rate
GDS (housing only)42.9%
GDS cap39%
TDS (housing + debts)47.9%
TDS cap44%
The two payments
At your contract rate$2,751/mo
At the stress-tested rate$3,331/mo
Difference$580/mo
What this assumed
Stress test rate6.44% (your rate + 2%, or 5.25%, whichever is higher)
Heat allowance$100/mo, flat
Property tax and condo feesNot entered here — fold into monthly debts if they apply
Amortizationi
Last reviewed August 2026 · rates and rules from Sources & method
What this number means
Every federally regulated lender in Canada has to qualify you at a higher rate than you'll actually pay, using the same two ratios: GDS for housing costs alone, TDS for housing plus every other debt payment. This runs both against your numbers.
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