Michelle T. and her husband sold their house last October in Duncan B.C., after living there for almost three years. Their plan was to move into a short-term rental during the winter, and wait to find a house in the Cowichan Valley where they might move for the long term. Almost immediately after they sold, the new rules were enacted which lowered their purchasing power by 21 per cent. It has made finding an appropriate place in their qualification range almost impossible for this young family of four. Also, when they purchased CMHC premiums originally, the couple were told they could “port and/or port-and-increase” the premium to a new home. Now, because the qualification changes make buying effectively impossible, the benefit for premium paid, which is supposed to cover 25 years, is gone. CMHC sold them a $15,000 insurance product and then changed the rules to keep them from using it.