It would seem that “stress test” is becoming the new economic word of the day.  There is more and more talk of this with the growing concern of cheap money now, and what your payments will look like 5 years later when rates have inevitably risen anywhere from 1 to 3%. Find here to stress test your mortgage means to calculate your future payments based on your balance at renewal, and make sure your budget can handle any increases that would appear to be inevitable.