Blogs & Insights


Vlog: Real Wealth Real Estate


All Insights

Blog Alex Wilson Blog Alex Wilson

Mortgage Freedom One Year Later: How OSFI’s Rule Change is Reshaping the Lending Landscape

It’s been just over a year since the Office of the Superintendent of Financial Institutions (OSFI) implemented a game-changing revision to Canada’s mortgage rules—eliminating the stress test for uninsured borrowers switching lenders at renewal. And now, in 2025, we’re seeing the ripple effects across the mortgage and real estate landscape.

Read More