Blog | Coldwell Banker Commercial Integrity Real Estate

OSFI leaves mortgage stress test in place, reaffirms LTI limits for lenders

1/29/2026 | Posted in Home Buyers by Coldwell Banker Commercial Integrity Real Estate
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OSFI offered no new direction on the qualifying rate, but reiterated that loan-to-income caps for uninsured mortgages remain in place and opened a new six-month consultation tied ... More

First Time Home Buyers, Home Buyers, OSFI, Stress Test

OSFI warns of mortgage payment shocks as key risk to Canada's financial system

3/12/2025 | Posted in Mortgages and Real Estate by Coldwell Banker Commercial Integrity Real Estate
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Canada’s banking regulator has flagged mortgage payment shocks as a significant risk to the country’s financial stability, citing the large volume of mortgages set for ... More

Mortgage Debt, OSFI

Canada's banking regulator considers alternative to mortgage stress test

3/11/2025 | Posted in Home Buyers by Coldwell Banker Commercial Integrity Real Estate
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Canada’s top banking regulator is considering a new approach to mortgage risk management that could replace the current stress test with stricter rules on how much banks can ... More

Canada Living, First Time Home Buyers, Home Buyers, Mortgage Consumers, OSFI

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