Mortgage Stress Test

Direct AnswerAs of July 2026A federal requirement to qualify at the higher of your contract rate +2% or the benchmark rate (around 5.25%). For investors, rental income can be used to offset this calculation, though lenders typic

A federal requirement to qualify at the higher of your contract rate +2% or the benchmark rate (around 5.25%). For investors, rental income can be used to offset this calculation, though lenders typically only count 50-80% of expected rent.

A Lender vs B Lender: Best for Your Investment Deal?
Compare A lenders and B lenders for investment property financing in Canada. Rates, qualification criteria, and when paying a premium makes strategic sense.
Commercial Mortgage Stress Test Canada: How It Works and What It Means for Your Deal
How the stress test applies to commercial mortgages in Canada — qualifying rates, DSCR impact, and strategies to pass lender requirements.
Commercial vs Residential Mortgage: Key Differences
Side-by-side comparison of commercial vs residential mortgages in Canada. Qualification, rates, terms, down payments, and when to switch to commercial.
Optimize Your Credit Score for Investment Mortgages
Boost your credit score specifically for investment property mortgage approval in Canada. Strategic moves, timing tips, and lender score thresholds explained.
DSCR Loans for Airbnb and Short-Term Rentals: How to Qualify
Finance Airbnb, VRBO, and vacation rental properties with DSCR loans. Which lenders accept STR income, qualification criteria, and rate expectations.
First Rental Property Mortgage: Complete Application Guide
Step-by-step walkthrough for your first investment property mortgage in Canada. From preparation through closing, with documents, timelines, and approval tips.