BC property transfer tax and mortgage stress test calculators
These are calculators for the two numbers buyers ask me about most. Both give estimates, and your lender and your lawyer or notary will confirm the final figures. Rates and thresholds last checked November 3, 2026.
Mortgage stress test calculator (BC)
Monthly payment at your rate
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- Mortgage amount
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- CMHC insurance added
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- Qualifying (stress test) rate
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- Payment at qualifying rate
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- GDS ratio
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- TDS ratio
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Qualifying rate is the greater of 5.25% or your rate plus 2%. Payments use semi-annual compounding, as on Canadian fixed-rate mortgages. Strata fees count at 50% in GDS.
BC property transfer tax calculator (first-time buyer and new build exemptions)
Property transfer tax payable
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- Tax before exemptions
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- Exemption
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- Additional foreign buyer tax (20%)
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Foreign buyers don't qualify for the first-time buyer or newly built home exemptions.
Numbers look different from what you expected? Send them to me and I'll tell you what I'd change.