The idea is that $60k CDN in a market where $300K CDN buys a semi-detached and $500k CDN buys a detached house is a good rate. To me I say if you really want to live there consider doing a 3-year tour on a TN in SV on a frugal budget and move back with your house paid off. Or do 15 years in SV then retire to a nice environment in Canada in your 40's.