Bio
Maria teNyenhuis is an economist in the Financial Stability Department. She received her Master of Arts in Economics from the University of British Columbia.
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Staff analytical notes
Recent policy changes are having a clear impact on the mortgage market. The number of new, highly indebted borrowers has fallen, and overall mortgage activity has slowed significantly.
Following changes to housing finance policies that target insured mortgages, uninsured mortgage credit has been growing. This robust growth creates a larger pool of mortgages that may be suitable for private-label residential mortgage-backed securities (RMBS).
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