There have been a few changes to RBC mortgages. We are in the process of moving our mortgage to another lender. 1. If you are refinancing with them they seem to have an internal cap of 60% LTV on properties over 1M. They tie up your main asset, and then do not allow you to access the increased equity to invest in other properties. Our attempt at re-if has been going on for over 3 months now, and we are 20+ year clients. 2. If one of the mortgage holders dies, the other must REQUALIFY when it comes time to renew, and not just renew. I heard of a lady whose husband passed away, and although she had a suite that paid for the mortgage, given her pension and OAS, her income was deemed to low to carry a 30% mortgage on her home of the past 20+ years. She was caught by the change and had to go the hard money lender route until she could get new financing when her renewal was denied by RBC.