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The policy rate held steady again this quarter. Here's how that ripples through variable rates, fixed pricing, and the stress test benchmark.
From skipping pre-approval to underestimating closing costs — the patterns we keep seeing in this year's buyer questions.
Short answer: yes, and combining them is one of the more effective down-payment strategies available to first-time buyers today.
Lenders include half of your condo fees in your debt service ratios — which means a $600/month fee can meaningfully reduce your approved amount.