1. Never bought a house. First purchase: 30% down payment.
2. If there is no room but there is a loan record: 50% down payment.
3. A local suite with no loan record: 50% down payment.
4. A local suite and the loan has been settled: 50% down payment.
5. A local suite, with outstanding loan: 80% down payment.
6. Local ownership of two or more houses: full payment.