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CMHC defends mortgage stress test changes amid calls for loosening rules – Surrey Now-Leader New Canadian Mortgage Stress Test Rules Announced for 2018. As of October 2017, the posted five-year mortgage rate was 4.89%. Under OSFI’s new rules, borrowers would be stress tested at either the five-year average posted rate, or 2% higher than their actual mortgage rate – whichever one is more.
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I then found the VA handbook for lenders online and found out it was the lenders responsibility to ensure that the home was VA approved. I could not be more glad that I did! Not only were they ready to close in less than 30 days (which I was told by my other lender it was impossible to close in less.