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Mortgage rates as of  8th November 2018 

Variable: 2.95% (Prime-1%) Prime Rate : 3.95% Qualifying Rate 5.34%
Five yr Fix: 3:59%


New mortgage rules go into effect, part of Liberal plan to limit risks
Canadians looking to buy homes between $500,000 and $1-million will have to put down larger down payments as new federal rules took effect Monday.
Under the changes, home buyers must now put at least 10 per cent down on the portion of a home that costs more than $500,000.
Buyers can still put down five per cent on the first $500,000 of a home purchase. Homes that cost more than $1-million still require a 20 per cent down payment.