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The numbers behind the Canadian mortgage market — renewals, rates, arrears, broker share, home prices and more — charted, tabled, and cited to Statistics Canada, the Bank of Canada, CMHC, CREA, and industry sources. Every figure links to where it came from.
Updated August 1, 2026
posted 5-year conventional mortgage rate in Canada, July 2026
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Updated August 1, 2026
5-year Government of Canada benchmark bond yield, July 2026
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Updated August 1, 2026
average rate on new uninsured mortgage lending, May 2026
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Updated August 1, 2026
Bank of Canada policy interest rate, July 2026
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Updated August 1, 2026
was household credit market debt as a share of disposable income, Q4 2025
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Updated August 1, 2026
months of inventory nationally at the end of December 2025
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Updated August 1, 2026
was Canada's national purpose-built rental vacancy rate in 2025
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Updated August 1, 2026
was Canada's actual national average home price at the end of 2025
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Updated August 1, 2026
homes sold across Canada in 2025 via MLS® Systems
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Updated August 1, 2026
housing starts across Canada in 2025 (all areas)
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Updated August 1, 2026
Canadian mortgages renewed in 2025 — the peak of the post-pandemic renewal wave
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Updated August 1, 2026
was the average time Canadian homebuyers took to save their down payment in 2025
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Updated August 1, 2026
of Canadian mortgage transactions in 2025 were first-time homebuyers
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Updated August 1, 2026
of new chartered-bank mortgages were variable-rate by February 2026
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Updated August 1, 2026
in HELOC and non-amortizing combined-plan balances held by Canada's chartered banks, Q4 2025
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Updated August 1, 2026
of Canadian households owned their home at the 2021 Census
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Updated August 1, 2026
of household disposable income went to debt payments in Q1 2025
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Updated August 1, 2026
of outstanding chartered-bank mortgages were uninsured in the first half of 2024
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Updated August 1, 2026
of new uninsured mortgages at chartered banks had amortizations over 25 years in Q2 2025
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Updated August 1, 2026
of all Canadian mortgage accounts were 60+ days in arrears as of March 2026
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Updated August 1, 2026
of recent Canadian homebuyers used a mortgage broker in 2025
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Updated August 1, 2026
average payment increase facing Canadians renewing a pandemic-era five-year-plus fixed mortgage in the next 12 months
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Updated August 1, 2026
minimum qualifying rate floor for uninsured mortgages, 2026
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Updated August 1, 2026
chartered bank prime rate, July 2026
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Updated August 1, 2026
in Canadian residential mortgage debt outstanding economy-wide as of December 2025
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