Since the inception of mortgage rule changes introduced by the Federal Liberals in 2017, there’s been a reversal in the consumer market place for mortgage shoppers. The once stable, income earner with their a home of their and a strong equity position now find themselves disadvantaged when compared with the preferred mortgage rates and Stress Test treatment by afforded to borrowers in need of a high ratio (insured) mortgage, typically first-time home buyers with less than a 20 percent down payment.

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