New for 2026
Rate Stress Simulator
Test your mortgage against rising-rate scenarios. We project the new payment, annualized delta, and DTI impact at each stressed rate — so you know whether to lock, extend amortization, or hold.
Why stress-test your own rate?
OSFI's stress test runs once, at approval. But rates move throughout your term. This tool shows you the downside — and is most useful for variable-rate holders, short-term (1–3 yr) fixed renewals, and anyone stretching to buy at current rates.
Related: 2026 renewal shock simulator · Mortgage Health dashboard.
Projections use Bank Act compounding rules and your inputs. Actual future rates and payments depend on market conditions and your contract terms.