One of our mortgage lenders will now allow borrowers to use a credit facility to meet the 5% down payment mortgage rule.  So if a client meets the qualifying criteria to support the mortgage they can use a Line of credit, Visa card etc for down payment.  We include the payment on the credit facility used in the debt ratios.  Currently  clients have to take a 5% cash back mortgage at a higher interest rate to obtain the 5% down payment.  With this lender the client can use the credit facility and still benefit from the low discount rate.  Naturally good employment and strong credit is essential.