It's more difficult than ever for a person with no down payment to get a mortgage in Canada. With the cancellation of the zero down mortgage programs, many people now believe that if they don't have 5 per cent down payment to buy a house they won't be approved for a mortgage. Although it's a little more stringent, it's still possible to get zero down mortgages, however it's in the form of what the banks call cash back mortgages.