Mortgage Intelligence
Calculate payments and compare real-time Canadian rates.
OSFI B-20 Compliant
Mortgage Details
Configure your loan parameters
Qualifying Rate (Stress Test)
7.49%
Required by OSFI B-20. Your contract rate (5.49%) + 2% vs minimum 5.25%.
$650,000
$
20.0%$130,000
%
$
$
$
$
Common Questions
The B-20 stress test is a federal requirement for all federally regulated lenders. It requires borrowers to prove they can still afford their mortgage if rates were to rise to the higher of their contract rate + 2%, or 5.25%.
Best Rates Today
Live Market Data
Rates are updated daily and subject to credit approval. Omonop is a technology provider and does not issue loans.
Disclaimer: Lenders may pay Omonop a referral fee. This does not impact your final rate. Please consult a licensed advisor.
Expert Advice
Our licensed pros help you navigate hidden rates.
Omonop Guarantee
Verified Canadian rates. No teaser fees. Just transparency.