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Stay, switch, or refinance: the stress-test difference
Which move gets the full OSFI test.
Headlines and outlines only for now. Cards marked Coming soon are stubs, not full articles yet.
Guide
What the letter is, when signing is fine, when to shop, and how the stress test hits a switch or refinance.
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Which move gets the full OSFI test.
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The bundle people mix up.
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Why the payment and the qualifying rate are different numbers.
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Three ways to use equity.
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What lenders actually open.
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Premium, cap, amortization surcharge.
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ID, 90-day bank, T4/T1, down-payment trail.
2 September 2026