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Episode 140: Mortgage Stress Test Changes, HELOC Risks, and Housing Crisis Predictions
Manage episode 451285091 series 3584094
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In this episode, we begin with an introduction and sponsor mention before discussing changes to the mortgage stress test for those switching lenders. We examine FSRA's enforcement actions against Canada Mortgage Group and the rise of HELOC borrowing, highlighting potential risks. The episode delves into predictions of a housing crisis in Canada and explores the Ontario Energy Board's proposed regulatory amendments. We cover the Bank of Canada's rate cut predictions and conclude with an analysis of the decline in housing starts in British Columbia. (0:00) Introduction and Sponsor Mention (0:39) Changes to the Mortgage Stress Test for Switching Lenders (5:12) FSRA Enforcement on Canada Mortgage Group (7:24) The Rise of HELOC Borrowing and Potential Risks (9:07) Predicting a Housing Crisis in Canada (11:33) Ontario Energy Board's Proposed Regulatory Amendments (14:13) Bank of Canada's Rate Cut Predictions (16:50) Decline in Housing Starts in British Columbia
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