{"id":178,"date":"2026-11-10T10:00:00","date_gmt":"2026-11-10T10:00:00","guid":{"rendered":"https:\/\/www.mannmortgages.com\/blog\/?p=178"},"modified":"2026-11-10T10:00:00","modified_gmt":"2026-11-10T10:00:00","slug":"canadas-mortgage-risk-shifts","status":"publish","type":"post","link":"https:\/\/www.mannmortgages.com\/blog\/2026\/11\/10\/canadas-mortgage-risk-shifts\/","title":{"rendered":"Canada&#8217;s Mortgage Risk Shifts"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/paul-mann-4\/revealed-the-canadian-mortgage-markets-latest-risk-trends-remotion-videos-1653\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Consumer debt in Canada reached $2.68T, including $1.97T in mortgages, with balances \u2191~4% yearly as higher renewal activity kept mortgage debt expanding.<br \/>\nAffordability stayed tight despite softer home values and higher rates, so ~7 in 10 borrowers bought with co-borrowers, often reflecting growing family support.<br \/>\nBorrowers shifted toward flexibility: ~3 in 4 new mortgages used variable-rate or short-term products, leaving brokers with a more constant renewal cycle.<br \/>\nNational property values \u2193~3%, and mortgage delinquency among balances ran ~30% higher yearly, making renewal planning and refinancing strategy more important for borrowers.<br \/>\nLooking ahead, benchmark rate is projected to rise, housing starts are declining, and return-to-office could shift demand toward urban centres, lifting broker value in 2027.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Consumer debt in Canada reached $2.68T, including $1.97T in mortgages, with balances \u2191~4% yearly as higher renewal activity kept mortgage debt expanding. Affordability stayed tight despite softer home values and higher rates, so ~7 in 10 borrowers bought with co-borrowers, often reflecting growing family support. Borrowers shifted toward flexibility: ~3 in 4 new mortgages used [&hellip;]<\/p>\n","protected":false},"author":243,"featured_media":179,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/178","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/users\/243"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/comments?post=178"}],"version-history":[{"count":1,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/178\/revisions"}],"predecessor-version":[{"id":182,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/178\/revisions\/182"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/media\/179"}],"wp:attachment":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/media?parent=178"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/categories?post=178"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/tags?post=178"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}