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Policy · OSFI

OSFI signals B-20 stress test review — possible relief for first-time buyers

By Vantage Research · May 15, 2026

Industry consultation period opened May 12. Final guideline expected Q4 2026. Could materially lower qualifying rate for insured purchases. We mapped the 3 most-likely scenarios.

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In the meantime, our published guides cover the foundations:

Sources: OSFI consultation notice May 12 2026; Guideline B-20 (current); OSFI annual risk outlook spring 2026.

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