Chris H. is a hard working single dad renting a two bedroom, two bathroom condo in Langley B.C. The owners needed to sell and he wanted to buy it. He earns a decent wage driving a waste removal truck. With five per cent down at 2.69 per cent, he qualifies, but with new rules using 4.84% as qualifying rate his ratios are too high. The property has been sold, he has been given notice and he could have been a first time buyer. Now he has to move so this is hurts him and his son.