Housing reference
Mortgage Qualification Rules
Stress-test floor, qualifying-rate buffer, GDS, TDS, and lender-specific caveats for mortgage qualification calculators.
CMHC source-linkedAnnual review
Current snapshot
Qualification anchors
Stress-test floorLoading
Stress-test bufferLoading
GDS benchmarkLoading
TDS benchmarkLoading
Context
What this reference means
Mortgage qualification calculations compare housing and debt costs with income using a qualifying rate. Lender, insurer, product, credit, and underwriting rules can differ from the simplified benchmark values shown here.
Reference table
Mortgage qualification values
| Item | Rule or base | Value | Context |
|---|---|---|---|
| Loading | Loading | Loading | Loading |
Notes and assumptions
Mortgage qualification notes load from the shared OpenBook Planning housing-education program data file.
Official sources
- Source links load from the centralized data file.