Banks are reducing incentives for borrowers and making it harder to obtain loans. Incentives such as TVs, phones, and cash have been offered by banks to attract mortgage customers for years – but such incentives are thinning and the banks are imposing tough stress tests which make it harder for borrowers to meet lending criteria. Six months ago home-buyers were able to get $5,000 to $7,000 in cash from a bank by switching or taking out a new mortgage. Now cash contributions f