# Loan-to-Income (LTI) Limits: Maintaining Financial Stability

> Institutions are expected to adhere to LTI limits beginning in their fiscal Q1 2025.

Category: Strategy
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/strategy/loan-to-income-lti-limits-maintaining-financial-stability

## Answer
Institutions are expected to adhere to LTI limits beginning in their fiscal Q1 2025. OSFI will closely monitor the implementation of the LTI limit framework and assess its effectiveness over time.

## Related guide
- https://ratellow.com/guides/mortgage-insurance-life-disability

## Sources
- Mortgage insurance — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#2.5.1
- Footnotes — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/capital-adequacy-requirements-car-guideline-2026
- Page 2 — https://assets.cmhc-schl.gc.ca/sf/project/cmhc/pdfs/factsheets/new/cmhc-quick-reference.pdf#page=2
- OSFI exempts uninsured mortgage straight switches from the prescribed MQR and implements portfolio LTI limits — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/osfi-exempts-uninsured-mortgage-straight-switches-prescribed-mqr-implements-portfolio-lti-limits