Rebecca and Tony purchased their first home in January. The interest rate was based on the property being owner-occupied. In May of the same year, Rebecca and Tony decided to live on their sailboat and make a two-year trip around the world. Tony and Rebecca rented their home to Tony's best friend, Brad. The lender soon notified the couple in writing of the mortgagee's intent to increase the interest rate on their loan to the investor rate of interest. The lender was proceeding under clauses