🏛️ OSFI B-20
OSFI Mortgage Stress Test Canada 2026 — Complete Guide
What the stress test is, why it exists, how to calculate your qualifying rate, who it applies to, and strategies to pass it at your target purchase price.
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🏠 CMHC
CMHC Mortgage Insurance Canada 2026 — Rates, Rules & True Cost
When CMHC insurance applies, the 2026 premium rate schedule (4.0%/3.1%/2.8%), worked calculation examples, and the compounded true cost over 25 years.
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📊 Qualifying ratios
GDS and TDS Ratios — How Canadian Lenders Qualify Your Mortgage
GDS (39%) and TDS (44%) explained with formula breakdowns, worked examples at real income levels, and practical strategies to improve your qualifying position.
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📅 Payment strategy
Accelerated Bi-Weekly Mortgage Payments — How Much Do You Really Save?
Exact interest savings and amortization reduction from switching to accelerated bi-weekly — and why it's not the same as regular bi-weekly. Includes Canadian semi-annual compounding.
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💰 Down payment
Minimum Down Payment Canada 2026 — Rules, Tiers & CMHC Costs
Tiered down payment rules by purchase price, worked examples from $450k to $900k, RRSP Home Buyers' Plan, FHSA strategy, and total cost of 5% vs 20% down.
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Free mortgage calculators
Each guide links to the relevant free calculator. All tools apply the correct Canadian formulas — semi-annual compounding, CMHC insurance, and OSFI stress test — automatically.