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Mortgage Stress Test Canada: Impact on Buying Power .
Canada's mortgage stress test reduces how much you can borrow. Learn the 5.25% benchmark rate rule, how it affects investors, and strategies to maximize.
Mortgage stress test reduces buying power by 20-25%. Qualify at higher of 5.25% or contract rate +2%. $100K income buys $450K home vs $560K without stress test. GDS max 39%, TDS max 44%. Solutions: larger down payment, lower rates, or non-stressed mortgages with 20%+ down.
Scott Dillingham
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