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The Stress Test Isn’t Going Away. Here’s What To Do About It.

The Stress Test Isn’t Going Away. Here’s What To Do About It.

by Simon Browning | Feb 20, 2026 | Mortgage Minute

Inflation is cooling. The stress test is staying. And Toronto’s housing market just hit a split we haven’t seen in years. Here are three developments affecting homeowners and buyers in the Greater Toronto Area this week. Inflation Is Cooling, But...
The Stress Test Isn’t Going Away. Here’s What To Do About It.

Renewal Relief, Auto Debt Reality, and the Toronto Condo Reset: Mortgage Minute February 13, 2026

by Simon Browning | Feb 13, 2026 | Mortgage Minute

The mortgage renewal crisis everyone predicted? It’s not happening. But something else is quietly limiting qualification capacity for Toronto buyers. Here’s your Mortgage Minute for February 13th, 2026. Three developments affecting homeowners and buyers in...
The Stress Test Isn’t Going Away. Here’s What To Do About It.

The average GTA home price just fell below one million dollars for the first time since 2021

by Simon Browning | Feb 6, 2026 | Mortgage Minute

The average GTA home price just fell below one million dollars for the first time since 2021. Welcome to this week’s Mortgage Minute. If you’re planning to buy, renew, or refinance in the Greater Toronto Area, here’s what you need to know. Topic One:...
The Stress Test Isn’t Going Away. Here’s What To Do About It.

Rate Freeze, Rent Deals, Appraisal Gaps: Mortgage Minute Jan 30:

by Simon Browning | Jan 30, 2026 | Mortgage Minute

Welcome to this week’s Mortgage Minute. If you’ve been holding off on buying or refinancing, waiting for interest rates to drop significantly, this update is for you. Let’s break down three critical developments affecting Toronto homebuyers and...
The Stress Test Isn’t Going Away. Here’s What To Do About It.

GTA Condo Market Hits 34-Year Low: Should You Wait or Buy Now? | Mortgage Minute – January 23, 2026

by Simon Browning | Jan 23, 2026 | Mortgage Minute

The GTA condo market just hit a 34-year low in sales volume. While many might see that as a reason to wait, the underlying data suggests that waiting too long might actually be the more expensive move. Here is your Mortgage Minute for a very cold January 23rd, 2026....
The Stress Test Isn’t Going Away. Here’s What To Do About It.

The $550 Payment Shock Meets Ontario’s Historic Population Decline | Mortgage Minute – January 16, 2026

by Simon Browning | Jan 16, 2026 | Mortgage Minute

If your mortgage renews this year, brace yourself: your payment is about to jump by roughly $550 per month. And for the first time in modern history, that renewal is happening against the backdrop of something unprecedented: Ontario’s population is actually...
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Recent Posts

  • Banks Continue to Raise Fixed Rates, Toronto Condos Hit Their Best Affordability Since 2017, and Ontario Home Sales Are Forecast to Fall – Mortgage Minute October 2, 2026
  • The Closing Freeze: 10 Things Not to Do Before You Get the Keys
  • Bank of Canada Warns Against Waiting Too Long on Rate Hikes, Canada’s Housing Shortage Persists, and Retirement Wealth Stays Locked in Homes – Mortgage Minute September 25, 2026
  • Fed Rate Hike Pushes Canadian Rates Higher, Toronto Condo Buyers Shift to Townhouses, and Renewal Payment Shock Looms – Mortgage Minute September 18, 2026
  • Fixed Rates Climb, Buyer Confidence Dips, and Toronto Condo Construction Stalls – Mortgage Minute September 11, 2026
  • Bank of Canada Holds Rate for a Seventh Meeting, Canada Sheds 41,700 Jobs, and GTA Home Sales Slip Below $1 Million – Mortgage Minute September 4, 2026
Simon Browning. Mortgage agent in Humber Bay, Toronto, Etobicoke, Mimico

Mortgage Agent Level 2

Serving Clients across Ontario

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