High Ratio Mortgages With housing prices stalled, or even having falling in some local markets, Canadian home owners seeking mortgage refinancing and who are looking at a high ratio mortgage - i.e., home owners who are refinancing a mortgage where the mortgage exceeds 80% of a home's current market value, or those looking at a second mortgage but who lack the requisite 20% down payment - need not be discouraged....... Similar Editorial : Fha Mortgages by AccessNational. | Source : Equity Home Loan Mortgage Rate