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CMHC defends mortgage stress test changes amid calls for loosening rules – Vernon Morning Star Canada’s banking regulator today unveiled the final changes to its mortgage underwriting standards-Guideline B-20-that will further tighten lending standards and affect borrowers and lenders alike.. The most wide-reaching change announced by the Office of the Superintendent of Financial Institutions (OSFI) is the establishment of a new minimum qualifying rate, or "stress test," for.

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4 days ago. If you're wondering how to build credit, try applying for a secured card, If you don't feel comfortable applying for a credit card just yet, keep in mind. If you can, find a card that doesn't charge an annual fee.. Buying a car is another way to build credit, if you make on-time payments on your auto loan.

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