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When Ingrid Patry met Aiden and Maria*, they'd just been turned down for a mortgage at their bank. After quickly running their numbers, she identified the problem: with student loans and some credit card debt, this young couple's debt ratios just didn't work.

By helping them consolidate their debt into one loan with the longest available term, she was able to reduce their monthly payment load. The result? They recently moved into their new home, beautiful townhome with a park across the street.

"Mortgage stress testing has reduced buying power for buyers with less than a 20 per cent payment by 20 per cent. That's the reality – but there are many scenarios where we can help through a strategic approach to qualifying."

Ingrid Patry, AMP, is a mortgage broker with Invis in Ottawa.

*Homebuyer names have been changed to protect privacy.

This content was produced by Randall Anthony Communications, in partnership with The Globe and Mail's advertising department. The Globe's editorial department was not involved in its creation.