I would say that the top two outside of the stress test itself—that is, qualifying for a mortgage—are the following. Number one is the down payment. Getting 5% or 10% together on homes now, particularly in those urban markets like the GTA, is a real challenge for families, and for young families in particular.
The second is closing costs. In the city of Toronto, for example, you're paying a double land transfer tax. That can amount to $15,000 or $20,000 for a young couple. So in addition to what they need to pull together for that down payment, those closing costs can really hurt as well.