just me personally but I did 10% on both houses I have owned.
As a rule when interest rates are as low as they are, it makes sense to go right to the bottom of whatever CMHC bracket you can afford to be in.
So I would look at the most you can afford, round down to the nearest 5, and keep the rest of the money in your pocket. 9%, 14% or 19% are just a bad number the way the loan insurance is calculated.
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