Skip to main content
Mortgage Squad Advisors
📏
Free PDF
The Stress Test Survival Guide
12 pages · PDF · Free, no signup
6 min read
We never sell your info. Unsubscribe anytime.
Free guide

The Stress Test Survival Guide

B-20, the qualifying rate, and how to pass

The OSFI B-20 stress test in plain English: the qualifying rate, GDS/TDS ratios, and the levers that actually move how much you can borrow. Includes the alternatives if you don't pass at an A-lender.

Send me the PDF

Free. No credit pull. Unsubscribe anytime.

So we can answer quickly if you have a question.

Encrypted. We never sell your info.

Inside the guide

6 sections
  1. 1What the stress test is + why
  2. 2The qualifying rate (contract +2% or 5.25%)
  3. 3GDS / TDS ratios explained
  4. 4Levers that increase your approval
  5. 5If you don't pass: B-lender + private
  6. 6Uninsured vs. insured stress test
More free guides
🏠
The First-Time Buyer Roadmap
28 pages
Read
🔄
The Renewal Playbook
22 pages
Read
💰
The Refinance Decision Framework
24 pages
Read
👔
The Self-Employed Mortgage Handbook
32 pages
Read

Have a question this guide doesn't answer?

Ask Maya 24/7, or talk to a senior broker today.