The Mortgage Stress Test is Failing Canadians
Update: 2025-11-13
Description
In Canada, the mortgage stress test—brought in to protect homeowners—is now punishing them. It’s hijacked the very foundation of Canadian lending: the Five C’s of Credit (Character, Capacity, Capital, Credit, Collateral). Today, none of that matters. One algorithm decides your future. Welcome to 2025: Where the “Computer says NO.” This week, Vince exposes how the OSFI stress test and Bank of Canada policies are trapping responsible Canadians in Mortgage Jail — forcing them into alternative lenders, higher rates, and costly fees… even when they can afford the payments.
For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
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