Canadian Real Estate Buyers To Face OSFI’s Tighter Mortgage Regulations (B-20) The Office of the Superintendent of Financial Institutions known as OSFI (the watchdog for mortgages in Canada) has set new Stress Test for all mortgages, Uninsured and Insured. This rule takes place starting January 1, 2018 on all mortgages. Here is what this means... The Current Mortgage Limits until December 31, 2017 Uninsured Mortgages currently require a down payment of 20% or more, which means... [read more]