Cash back mortgages, some in excess of the required downpayment.
I'm screenshotting these for posterity.
Why are these subprime? Because they are affordability products, not wise borrowing. They are, in essence, 0% down payment financing. Get a float loan from a relative for the downpayment, pay the relative back with the cash back, even pocket some money in the process . . . at the expense of future payments and vastly increased risk of going underwater.
TD Canada Trust
You're richer than you think. Until you aren't.
Hat tip: Durr commenting at VREAA