The lower the stress test rate, the more mortgage you qualify for. If you take a variable rate mortgage, your stress test rate is "only" 5.25%. But if you take a fixed rate mortgage, your stress test rate will be around 6.5% (depending on the actual fixed rate you are being given) We work with credit unions and other lenders who have mortgage products that qualify you at your actual mortgage contract rate - so if the fixed rate is 4.44%, that is your stress test rate! This is a huge benefit.