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Toronto General Practice Law Blog

News Release from the Canadian Immigration Office

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Ottawa, August 9, 2018

At Immigration, Refugees and Citizenship Canada (IRCC), we know that applying to immigrate to Canada is a life-changing event, and we understand how frustrating it could be when applications take longer than expected. That's why we have made changes to improve the experience for some permanent resident clients.

 

Mortgage Stress Test Expanded To More Homebuyers

Until this year, homebuyers needed to buy mortgage insurance if they could only afford to pay between five and 20 per cent of the price of the property in their down payment. Only these homebuyers had to pass the stress test before they would get a mortgage. Now the rules have changed.

After January 1, almost all homebuyers began taking stress tests to see if they could afford the mortgage payments to buy a condo or house. Failing the test means that many homebuyers must buy a smaller home than they wanted – or not get a mortgage from banks and credit unions.

Why a Legal Profession?

"Why a legal profession?" Believe it or not, this is just one of the most heart trembling questions to get in acquiring a job interview in a law office. The "why" itself is hard to reason out, how much more with the elaboration of legal profession with it. Honestly, I, myself asked the same question before. Why would I stress myself out with the legal matters of other people? Why would I go through the hardships of memorizing, familiarizing and studying the depth of laws and its legal procedures? If I were to answer this before working on a law firm, I might think otherwise, and just quit and change my chosen field of study. However, if the question popped up now, my answer would be simple. It is to help others in need while I am educating myself. I believe that this very reason will make me a different, but a better person.

Why do Immigrants Need an Immigration Lawyer? Why not?

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Question: What if you're an aspiring immigrant? You will need help from an immigration lawyer to process the papers for you, but unfortunately that is not what people - specifically Filipinos are taking the time to consider.

One of the first things people will learn when considering immigration is just how different the laws are. 

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