New for 2026
2026 Mortgage Readiness Report
One view tying together every 2026 rule that matters to your mortgage: renewal shock, rate-rise resilience, investor rules, and first-time-buyer capacity. Deterministic scoring + a plain-language briefing.
What we check
- Renewal readiness — projected payment at today's market rate + straight-switch eligibility (OSFI Nov-2024).
- Rate-rise resilience — what happens to your payment and DTI at +0.5 / +1.0 / +1.5%.
- Investor rules (2026 OSFI) — LTI cap, IPRRE classification, rental haircut, double-counting risk.
- First-time buyer capacity — $1.5M insurable cap, 30-year amortization, FHSA + RRSP HBP stacking.
Related: Mortgage Health dashboard · Renewal Shock Simulator.
Report is directional. Specific qualification and rate offers depend on a licensed broker's full review of your financial profile.