stress test for insured mortgages

Canada’s mortgage stress test: Obsolete or still doing its job?

August 14, 2023 No Comments

Originally introduced to mitigate borrower default risks in the event of rising interest rates, some brokers now argue that Canada’s mortgage stress test is no longer needed with interest rates presumably near their peak.

A deep-dive of the mortgage stress tests

A deep-dive into the mortgage stress tests: They’re necessary, but the design is flawed

September 29, 2022 1 Comment

This is the second in a two-part series exploring the impact the mortgage stress tests had on borrowers and some additional and unintended risks they have brought about.

A deep-dive into the mortgage stress tests: Did they serve their purpose?

September 27, 2022 1 Comment

In this two-part series, economist Will Dunning explores the premise of the mortgage stress tests and their current relevance in the context of today’s sharply higher interest rates and worsening economic conditions.

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stress test for insured mortgages

Canada’s mortgage stress test: Obsolete or still doing its job?

A deep-dive into the mortgage stress tests: They’re necessary, but the design is flawed

A deep-dive into the mortgage stress tests: Did they serve their purpose?

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