# Stress Test Calculator: OSFI MQR + GDS/TDS

> See whether you pass OSFI’s Minimum Qualifying Rate — the greater of 5.25% or contract rate plus 2% — against GDS and TDS limits.

Category: Calculator
Last verified: 2026-09-14
Source: https://ratellow.com/mortgages/stress-test-calculator

## TL;DR
- MQR is the greater of 5.25% or contract + 2%. GDS caps housing costs at 39% of gross income; TDS caps total debt at 44%.
- Uninsured straight switch at renewal: no prescribed MQR since 21 November 2024. Refinance is always tested.
- The calculator is the pass/fail framing of the same qualifying math the affordability tool uses for purchasing power.