10/28/2026
Mortgage stress remains unchanged nationally but is rising in Ontario and British Columbia.
📍 Trade tensions and weaker resale conditions are increasing pressure on homeowners in the GTHA and Southwestern Ontario.
💳 Rising non-mortgage delinquencies may be an early sign of household stress.
💰 Mortgage investment entities (MIEs) show greater stress, but represent only 1.8% of outstanding mortgage balances.
🏠 Uninsured mortgages remain the main source of mortgage credit. Stable insured mortgage balances and rising loss provisions point to a more cautious lending environment.
📍 Delinquencies are expected to rise in Ontario, British Columbia and Atlantic Canada through mid-2027.
📘 Get the report here: http://cmhcschl.ca/YCOb5100F5u
