Canadian Mortgage Guides
In-depth guides on mortgage calculations, regulations, and lender programs — written for Canadian mortgage brokers.
How to Calculate GDS and TDS Ratios for Canadian Mortgages
Complete guide to calculating Gross Debt Service (GDS) and Total Debt Service (TDS) ratios used by Canadian lenders to qualify borrowers. Includes formulas, examples, and lender limits.
Canadian Mortgage Stress Test Explained (2026)
Complete guide to the Canadian mortgage stress test under OSFI Guideline B-20. How it works, who it applies to, how to calculate your qualifying rate, and strategies for borderline borrowers.
CMHC Mortgage Insurance: Complete Guide for Canadian Brokers (2026)
Everything mortgage brokers need to know about CMHC default insurance: eligibility rules, premium calculations, lender requirements, and how to match insured deals to the right lenders.
Apply these calculations instantly
BIPS calculates GDS, TDS, LTV, stress test, and CMHC premiums automatically and matches against 40+ Canadian lenders.
Try BIPS free →