What is the impact of the new Mortgage qualifying rules on Borrowers? Thursday Dec 07th, 2017 Share The new B-20 changes coming in to effect on January 1, 2018 will have a direct impact on borrower's purchasing power in the new year. The table below illustrates what a borrower with an annual income of $67K can afford today versus what they can afford in 2018 under the new rules. *Example assumptions include: 5 Year Fixed Rate: 3.09% / 25 Year Amortization / $700 in other monthly debts. ***In this example, the Purchase Price that the Borrower will qualify for decreases by $70,000, on or after January 1, 2018.