Is "The Stress Test Survival Guide" really free?

Yes. The Stress Test Survival Guide is a free 12-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.

What does "The Stress Test Survival Guide" cover?

It runs 12 pages across 6 sections — including What the stress test is + why; The qualifying rate (contract +2% or 5.25%); GDS / TDS ratios explained, and more.

Is this guide specific to Canada?

Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.

Do I have to be a Mortgage Squad Advisors client to get it?

No. The guide is free to anyone — whether you're ready to apply or just researching your options.

How do I get advice for my own situation?

Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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The Stress Test Survival Guide

12 pages · PDF · Free, no signup

6 min read

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The Stress Test Survival Guide

B-20, the qualifying rate, and how to pass

The OSFI B-20 stress test in plain English: the qualifying rate, GDS/TDS ratios, and the levers that actually move how much you can borrow. Includes the alternatives if you don't pass at an A-lender.

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Inside the guide

6 sections

1What the stress test is + why
2The qualifying rate (contract +2% or 5.25%)
3GDS / TDS ratios explained
4Levers that increase your approval
5If you don't pass: B-lender + private
6Uninsured vs. insured stress test

Frequently asked questions

Is "The Stress Test Survival Guide" really free?: Yes. The Stress Test Survival Guide is a free 12-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.
What does "The Stress Test Survival Guide" cover?: It runs 12 pages across 6 sections — including What the stress test is + why; The qualifying rate (contract +2% or 5.25%); GDS / TDS ratios explained, and more.
Is this guide specific to Canada?: Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.
Do I have to be a Mortgage Squad Advisors client to get it?: No. The guide is free to anyone — whether you're ready to apply or just researching your options.
How do I get advice for my own situation?: Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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