Mortgage Professionals Canada / Professionnels Hypothécaires du Canada

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Registration: 1 of 1 (2026-04-14 to present)

Details Regarding the Identified Subject Matter

Subject matters	Details	Categories
Consumer Issues, Financial Institutions, Housing, Taxation and Finance	Advocating for policies, programs and regulations which improve housing and mortgage affordability for Canadians, increase flexibility to face unforeseen circumstances, and expand choices for Canadians when making the most important financial decisions of their lives.	Regulation, Policies or Program
Financial Institutions, Housing, Taxation and Finance	Consultation and discussion as the Government periodically reviews provisions contained in the Bank Act dealing with capitalization mechanisms, securitization, mortgage insurability. and consumer eligibility requirements.	Policies or Program
Housing	Create a permanent national roundtable on housing that brings together all orders of government, industry and civil society to develop harmonized solutions to the housing supply and affordability crisis.	Policies or Program
Housing	Extend 30-year amortization for insured mortgages to all homebuyers.	Policies or Program, Regulation
Consumer Issues, Financial Institutions, Housing, Taxation and Finance	Introducing mechanisms to improve income verification, while keeping the personal financial information of consumers safe, secure, and confidential.	Regulation, Policies or Program
Consumer Issues, Financial Institutions, Housing, Taxation and Finance	OSFI's Residential Mortgage Underwriting Practices and Procedures Guideline (B-20) with respect to insured mortgages and the minimum qualifying rate (stress test) on mortgage transfers and renewals.	Policies or Program, Regulation
Financial Institutions, Housing	We recommend the federal government consider raising the home value cap for insurable mortgages to $1.5 million, matching the insured mortgage limit	Regulation, Policies or Program