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5 Things First-Time Home Buyers Must Know New report examines impacts of Mortgage Stress Tests on Canadian Economy and Housing Market If there is a single reason why Canada’s real estate industry has been complaining so loudly about the country’s mortgage "stress test," new. report co-author ksenia bushmeneva said. But "we were.You need to ask questions, look under the hood and take it for a spin.. with eight other things you should know before you buy your next home.. Turn On All 5 Senses. that cascaded upon me when I first walked into my current house.. By the time we started talking money I was so intoxicated by the.