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The rules of the stress test have changed since they were first introduced in 2016, which can add to the confusion. But, make no mistake, the stress test impacts anyone applying for a mortgage from one of the major banks. And while provincially regulated lenders have more flexibility when it comes to mortgage approvals, many still use the test to evaluate customers’ financial risk.
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“It applies to everyone—you, me, first-time buyers and 10-time buyers,” says Maxine Crawford, a mortgage broker who serves the Greater Toronto Area (GTA) and elsewhere in Ontario…