TD The housing market looks to have finally turned but I had a little chat with a TD loan rep this week. He said they were forced to turn down what looked to him like good business due to tighter restrictions brought in recently. He mentioned that they'd had to turn away self employed people based on the earnings showing on their tax assessment which he implied were often understated but the new rules give them little leeway. The same thing is likely happening at all the banks which will help HCG weather the downturn.