In fact, there's a very key distinction between the current and the previous. The stress test only applied to people who were getting less than a five-year term. Because the logic was that on a five-year fixed mortgage, you have five years to accrue equity before you're actually exposed to the current interest rate again. In today's interest rate environment, even with 5% down, you're almost at 20% by the end of that first five-year term. The new changes, though, require everybody to suffer that stress test as a qualification mechanism.
