OSFI Stress Test

• Homebuyers won’t face tougher mortgage stress test, regulator says

  The minimum qualifying rate for uninsured mortgages will remain the greater of the mortgage contract rate plus two percentage points or 5.25 per cent, OSFI says.

  Money

  Dec 17, 2021
  
• New mortgage stress test rules take effect. Here’s what you need to know

  As new mortgage rules take effect, experts discuss the implications for both borrowers and the broader housing market.

  Money

  Jun 1, 2021
  
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• New mortgage stress test rules are coming June 1

  The qualifying rate for residential mortgages with a down payment of 20 per cent or more will rise to the contracted rate plus 200 basis or 5.25 per cent, whichever is higher.

  Money

  May 20, 2021
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• Canada’s bank regulator weighs tougher mortgage rules amid hot housing market

  OSFI's proposal would set the qualifying rate for uninsured mortgages at the contracted rate plus two percentage points or 5.25 per cent, whichever is higher.

  Canada

  Apr 8, 2021