Clinton and Blair are back to answer more mortgage questions from listeners. The two explain that mortgage payments are relatively stable, with a portion going to interest and the rest to principal. They emphasize the importance of the stress test in ensuring affordability and protecting borrowers from financial shocks. Clinton notes that while interest rates have risen from sub-2% to around 4%, the stress test prevents issues during renewal. They also discuss the benefits of maintaining a good relationship with a mortgage broker for long-term financial planning.