Gillian H. is a lawyer looking to buy a small bungalow in North Toronto. She earns a base salary of approximately $100,000. She also has a down payment of $100,000 and a husband who is contributing income. They both have car leases. With the prices of homes in Toronto, coupled with a qualifying rate of 4.64 per cent and 25-year amortization, they do not qualify for anything in their price range.