Article content Bank of Canada deputy governor Carolyn Rogers is cautioning policymakers against “tinkering” with the mortgage market in an effort to improve housing affordability, warning that over-reliance on such measures could have long-term negative impacts. Recently, the federal government introduced new mortgage rules, including expanding 30-year amortizations to all first-time homebuyers and to all buyers of new builds, effective next month. It also raised the $1-million price cap for