The Canadian government has made it easier for buyers to secure a $1.5 million home with a 10% down payment and 30-year amortization starting December 15th, 2023. However, the video highlights a glaring issue: the ongoing problem of mortgage document fraud, where fake income documents are used to secure loans. Despite promises to tackle this problem, no substantial action has been taken. The proposed solution is simple—a linkage system with the Canada Revenue Agency (CRA) to verify a single income number, ensuring fairness and reducing fraud in the mortgage process.