A slight majority of Canadian homebuyers — 52% in CMHC’s January 2026 Mortgage Consumer Survey — paid the maximum they could afford, down from 58%
The average Canadian homebuyer takes 4.4 years to save for a down payment, according to CMHC's 2026 Mortgage Consumer Survey. First-time buyers take longer, an
Yes, many Canadians are worried about their mortgage payments. According to the CMHC 2026 Mortgage Consumer Survey, 39% of Canadian mortgage holders remain concerned about
For most Canadian buyers in 2026, a move-in-ready home offers faster occupancy and lower stress. A fixer-upper can cost less overall, but only when the
The Canadian single-family home shortage in 2026 is a future pipeline risk, not a current price-driver, and that distinction changes how buyers should think about
In Canada in 2026, shorter-term fixed mortgages (2-year and 3-year) are widely competitive with 5-year fixed terms. Two- and three-year fixed rates typically price below
Yes, you can retire with a mortgage in Canada, and it is increasingly common. Retirement does not cancel or call in your existing mortgage; you
This article is for informational purposes only and does not constitute financial, legal, or tax advice. Speak with a licensed mortgage professional before making any
Last updated: May 2026 Quick Answer Yes — housing inventory is building in Ontario in 2026, while inventory in Alberta and Quebec has tightened sharply.
Mortgage delinquency in Canada rose to 0.24% in the fourth quarter of 2025, up from 0.21% a year earlier, the highest national level since 2019
The Canadian Real Estate Association (CREA) forecasts that the national average home price will rise by 1.5% in 2026 to roughly $688,955, with virtually no
Pre-construction condos in Canada are not categorically unsafe in 2026, but they carry materially higher risk than they did three years ago. The Greater Toronto
