Tools › Mortgage
Stress test
Since 2021 every federally regulated lender qualifies you at the greater of your contract rate plus two points or 5.25%. It is why your pre-approval feels smaller than your budget.
Your numbers
Email me these numbers
You get this page as a PDF. We get your figures, so if you want to talk, the conversation starts from your actual situation.
Estimates only, for information. Not mortgage, tax or legal advice. Rates, rules and rebates change; confirm every figure with your lender, lawyer and the CRA before you rely on it.
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