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CMHC defends mortgage stress test changes amid calls for loosening rules – Boundary Creek Times CMHC defends mortgage stress test changes amid calls for loosening rules – Creston Valley Advance Canada’s new lending rules have already implemented a stress test in way, given that those who wish to take a variable rate mortgage or a fixed mortgage with a term less than five years are required to qualify with an artificially higher interest rate, currently 4.99 per cent.