Bettianne Hedges

The Globe and Mail: More families are choosing multigenerational living amid Canada’s housing crisis   "Multigenerational living won’t solve Canada’s housing crisis. Indeed, critics have for years emphasized that millions of new homes must be built to address affordability. The Canada Mortgage and Housing Corporation (CMHC) recently  joined that chorus . But if governments make it easier for extended family members to live together, through zoning, tax breaks or municipal deregulation, this way of life could help to address the  country’s housing shortage  and save Canadians money, experts say."

Moneysense Magazine: Mortgage Stress Test   "First off, it’s not a test like the kind you encounter in school. Rather, it’s a set of rules major banks must use to determine if you qualify for a mortgage. Because mortgage rates can fluctuate, as they have in recent months, the Canadian government has set a minimum qualifying rate to reduce the risk involved in mortgage lending. This helps to ensure you’ll still be able to afford your mortgage payments if interest rates increase beyond the rate originally stated in your contract. In other words, it’s not you but your finances that are put to the test."