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What it is: A rule for banks’ mix of mortgages—not a hard cap on any one borrower.

• Who counts as “highly-indebted”: Files where the loan-to-income (LTI) ratio is over 4.5× (mortgage amount is more than 4.5 times the household’s gross annual income).

• What’s limited: Each federally regulated lender can only let up to a set percentage of its new, uninsured mortgages be above 4.5× income. The exact % is set for each lender.

• Who’s in scope: Uninsured mortgages at federally regulated lenders. Insured mortgages are generally not included.

• Why it exists: To reduce system-wide risk from very large mortgages relative to income.

Quick example: If a lender’s limit is 15%, no more than 15% of its new, uninsured mortgages this quarter can have LTI > 4.5×. That might make approvals or pricing tougher for some high-LTI applicants—but it’s not an automatic decline for any one person.

What it means for you: If your LTI is near or above 4.5×, you may need to: increase your down payment, add income (e.g., co-borrower or rental), pay down debts, or consider an insured option (if eligible).