This is all correct. It is worth nothing that other expenses are increasing quickly and consistently, so the stress test could be undermined slightly. I don’t

This is all correct. It is worth nothing that other expenses are increasing quickly and consistently, so the stress test could be undermined slightly. I don’t mean to be alarmist or anything here. It has just been on my mind as a recent home buyer. The stress test was performed on my finances under conditions which have already changed (for the worse). I doubt the bottom will fall out of things, but I expect this to bite some people and to hear about it in the medias.