07/22/2026
Your client can afford the payment. So why did the lender say no?
That gap between the real payment and the qualifying payment is where deals fall apart. And it's why the clients who come in prepared are almost always the ones whose broker walked them through it before they started shopping.
Understanding the stress test early sets realistic expectations and keeps qualification from becoming a surprise.
How early in the process do you bring up the stress test with your clients?
Marathon Mortgage works with brokers across Canada. Learn more at marathonmortgage.ca.
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The information provided in this video is for general educational purposes only and should not be considered financial, legal, tax, or accounting advice. Any examples, calculations, payment estimates, or scenarios are illustrative only and are not guarantees or forecasts of future interest rates, mortgage payments, or market conditions. Mortgage rates, products, terms, policies, features, and eligibility requirements are subject to change without notice and may vary based on the applicant, property, province, and transaction. All mortgage applications are subject to underwriting review, approval, and applicable conditions. Every borrower's situation is unique. Existing Marathon Mortgage clients should contact Marathon Mortgage directly regarding their mortgage, renewal options, or product features. Information is current as of the publication date and may change over time.
