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Is the mortgage stress test making Toronto’s housing crisis worse? 3 Things to Know in the Housing Market Today! The stock market has rallied significantly over the past 6 months. Yet every single day we are bombarded with more things. housing starts and Building Permits are trending downwards while New Home.I have come to the conclusion the philosophy behind the B20 mortgage stress test is akin to the philosophy that says the best way to get rid of a headache is to cut off the head. Get rid of housing.

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