Amber K. works full time at a fitness company in Calgary. She was considering buying a home until the rules changed last fall.

She had saved five per cent for a down payment and qualified for a purchase price of $350,000 under the 2.49 per cent rate. But under the new rate of 4.64 per cent, she barely qualified for $260,000, which knocked out of any chance to get a single-family home in Calgary.

Amber was ready to buy, but now those plans are on hold until rules are amended or she can save more for a down payment.