What OSFI B-20 Says — And What It Doesn't | Your Mortgage Minute

Your Mortgage Minute | Onlendhub · Oct 1, 2026 · 5m · transcript

What does OSFI's Guideline B-20 actually say about mortgage underwriting — and where does the official record stop? This episode runs an official-record audit on three things borrowers hear quoted constantly: renewal switches, the stress-test formula, and amortization at renewal.

Using only retrieved primary OSFI and CMHC sources, we separate three layers: what the official record establishes, what falls to lender underwriting, and what is illustration. The B-20 consultation summary and the infosheet set out principles — capacity to service debt, conservative GDS and TDS, an interest rate…