Pilar has been approved for an insured variable rate mortgage (VRM) to purchase her new condo in Montreal. Her mortgage has an LTV ratio of 90%, a GDSR of 39% and a TDSR of 44%, with a credit bureau score of 660. The amortization is 25 years, with a property value of $975,000. Before funding, Pilar decides to change her term to a 5-year fixed-rate, given the volatility in the interest rates. As a result, the minimum qualifying rate has increased the GDSR to 40% and the TDSR to 45%. If this loan were to be approved, what element of this scenario would cause an insurer breach?