Low Ratio Mortgage (Conventional) represents a mortgage where the loan to value at time of origination was less than or equal to 80 %. (streetcapital.ca)
COMPARE credit score comparison reports allow you to compare two credit reports — one pulled during time of origination versus another at time of closing — in less than 10 seconds. (creditplus.com)
Among other things, banks have to make their loan «serviceability assessments» based on the status of the borrower's income and expenditure at the time of origination. (rba.gov.au)