Trish lives in Edmonton and is a long-time employee with the Alberta government. She’d been saving her down payment for a few years and managed to put away 10 per cent for her new purchase. Trish currently rents close to work for a convenient commute. Last summer she reached out to a mortgage broker to discuss her options. Based on the contract five-year mortgage, she could get a fair amount to buy a condo with two bedrooms and easily have a boarder if she needed. But once the new rules came into place in October, Trish only qualified for a one-bedroom condo. It means she can’t get a roommate and the locations are in less desirable neighbourhoods that could compromise her safety.