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How the stress test will impact different segments of the mortgage market By Michael Mata Font size : Starting from January 1, 2018, Canadians seeking to obtain, renew, or refinance a mortgage have to prove that they can cope with interest rates substantially higher than their contract rates.
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Canada’s banking regulator today unveiled the final changes to its mortgage underwriting standards-Guideline B-20-that will further tighten lending standards and affect borrowers and lenders alike.. The most wide-reaching change announced by the Office of the Superintendent of Financial Institutions (OSFI) is the establishment of a new minimum qualifying rate, or "stress test," for.
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CMHC defends mortgage stress test changes amid calls for loosening rules The CEO of Canada Mortgage and Housing Corporation is forcefully defending mortgage stress test rules and warning federal policy-makers to hold the line amid calls for softening the measure from industry associations.