The Government Has Made Changes
In the government's never ending attempt to influence the market, control risks to the larger economy (bubbles in Vancouver / Toronto), spur / restrict the economy, encourage home ownership, fund budgets (BC speculator tax), and otherwise create headaches for people wanting to buy, this is a list of the changes wrought to the mortgage industry in the last decade:
Confusing? This is why I stress the importance of using an experienced mortgage broker. Someone who tracks these changes. So you don't have to.