October 08, 2025

OSFI Rule Changes Explained: What Canada's New Mortgage Guidelines Mean for Real Estate Investors | Keaton Kirkwood | Real Estate Investing Canada

1 hour

🎧 OSFI Rule Changes Explained: What Canada's New Mortgage Guidelines Mean for Real Estate Investors Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

There's been a wave of confusion and panic across Canada's real estate investing community this week — all sparked by a new OSFI announcement about the "capital treatment of income-producing residential real estate."

Mortgage brokers, influencers, and investors everywhere are talking about it — but what's actually changing? Is it really going to stop investors from using rental income to qualify for new properties?

In today's episode, mortgage expert Keaton Kirkwood joins Wayne & Gabby Hillier to break down exactly what this new rule clarification means (and doesn't mean) for investors. Together, they unpack how lenders are interpreting OSFI's statement, what it could mean for financing multiple properties, and why this might be less of a crisis than social media makes it seem.

They also dive into a related topic: whether it's possible to grow your portfolio using 5%-down insured mortgages — the legal way — and why cutting corners can cross into mortgage fraud.

🧠 What You'll Learn in This Episode

What OSFI's new rule actually says about using rental income across multiple mortgages
Why this change might not be as "dramatic" as the headlines suggest
How banks may interpret "income double-dipping" and what it means for investors
Why this isn't "the end of real estate investing in Canada" — just an evolution
How loan-to-income (LTI) ratios could tighten lending, and what to expect in 2026
Keaton's real-world take on how lenders will likely apply the rule
How to legally buy multiple homes using 5% down insured mortgages without committing fraud
Why your intent to occupy matters — and how to stay compliant
What overleveraging, poor liquidity, and risky strategies can do to your portfolio

👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice.

💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax Help: www.finngo.com/rei Submit a Question: [email protected]

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By Wayne & Gabby Hillier | Canadian Real Estate Investing Coaches / Mentors

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