Canada's Finance Minister Bill Morneau faces a delicate decision on housing as his own officials push for tigher mortgage rules to cool Toronto and Vancouver real estate.

The finance department recommended raising the minimum down payment on insured mortgages to as high as 10% from 5% for homes above a certain value, according to people familiar with the plans, speaking on condition they not be identified becasuse the deliberations aren't public  While former Finance Minister Joe Oliver rejected the recommendation earlier this year, department officials raised the proposal again at an October meeting with industry representatives.  Interesting times ahead!