How does a lender calculate the stress test for a uninsured mortgage application? Mortgages should be equal to the five year benchmark rate published by the Bank of Canada at 5 25% O Mortgages should be the contractual mortgage rate plus 2% O Mortgages are to be calculated using the 5 year posted rates of the bank Mortgages should be the agreed upon term rate plus 2% or the five-year benchmark rate published by the Bank of Canada at 5.25%