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Borrowers will now need to qualify for a mortgage for a 5 year fixed rate even if they are selecting a mortgage with a lower rate or lesser term. 

Government-backed insured mortgages have a reduced maximum to 90 percent from the previous 95 percent value of a home. 

Buyers who are purchasing for speculation or purchasing a non-owner occupied home will require a minimum down payment of 20 per cent for a government-backed mortgage.

More Information at: New Mortgage Rules

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