Mortgage Stress Test Simulator
Verify if your mortgage application meets the OSFI B-20 regulatory requirements. Simulate your qualification against the benchmark stress test rate.
B-20 Stress Test Simulator
Verify OSFI qualification at 5.25% or contract + 2%
Understanding B-20
The Office of the Superintendent of Financial Institutions (OSFI) revised the B-20 Residential Mortgage Underwriting Guidelines to ensure borrowers can handle potential rate increases.
Even if you secure a 5.0% rate today, your lender must "stress test" your finances at the higher of 5.25% or your contract rate + 2%. This simulation calculates your GDS and TDS ratios to verify if you qualify.
Compliance Checks
GDS/TDS Verification
Instantly verify your Gross Debt Service and Total Debt Service ratios.
Benchmark Rate
Simulates qualification using the current 5.25% OSFI benchmark.
Shortfall Analysis
Calculates exactly how much additional down payment you need if you don't qualify.