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New Report Examines Impacts of Mortgage Stress Tests on Canadian Economy and Housing Market 5 Things First-Time Home Buyers Must Know What you need to know about holding title to a home with a loved one – “The ‘joint tenant’ approach is the least common and usually must include the language ‘with right of. ilyce glink is the author of “100 Questions Every First-Time Home Buyer Should Ask” (4th.Ottawa’s new mortgage stress tests accounted for at least half of the decline in new mortgages started last year, according to a new report by CIBC that calls for the measure to be revisited amid a falling housing market.The total value of new mortgages fell by eight per cent or $25 billion in 2018, wrote Benjamin Tal, deputy chief economist at cibc world markets Inc. in a report released.

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