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Big changes ahead for mortgages what homebuyers need to know.
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The mortgage landscape is set to undergo significant changes that could impact both buyers and sellers in the real estate market. Here's what to prepare for.
Affordability testing
Lenders are revisiting how they stress-test applications. Getting your paperwork in order early avoids surprises at the offer stage.
Longer fixed terms
More products now offer extended fixed periods. They cost slightly more up front and buy considerable certainty in return.
Talk to a broker first
A pre-approval based on the new rules tells you your real budget before you fall in love with a home outside it.
