Canada Mortgage and Housing Corp. says the national mortgage delinquency rate was 0.22% in the second quarter, down from 0.23% in the first.\u00a0<\/p>\n
The percentage of households more than 90 days behind on payments has been slowly creeping up in recent years, rising from 0.14% in 2022, as many homeowners renew mortgages at higher rates.<\/p>\n
CMHC says the national decline came as repayment trends improved in Atlantic Canada, Quebec and the Prairie provinces, while Ontario saw an increase with delinquencies in Toronto up 60% compared with a year earlier at 0.24% in the second quarter.<\/p>\n
Borrowers have had some relief as interest rates have trended down, but CMHC notes there is still a wave of renewals going through at higher rates, including over 750,000 in the second half of this year and another 1.15 million in 2026.<\/p>\n
It notes that the average rate on a five-year fixed rate uninsured mortgage was 2.36% in July 2020, compared with 3.95% this past July.<\/p>\n
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Canada Mortgage and Housing Corporation<\/a> CMHC<\/a> mortgage arrears<\/a> mortgage delinquency rate<\/a><\/p>\n Last modified: November 19, 2025<\/p>\n","protected":false},"excerpt":{"rendered":"Canada Mortgage and Housing Corp. says the national mortgage delinquency rate was 0.22% in the second quarter, down…\n","protected":false},"author":2,"featured_media":295003,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[45,49,48,46],"class_list":{"0":"post-295002","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economy","8":"tag-business","9":"tag-ca","10":"tag-canada","11":"tag-economy"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/295002","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/comments?post=295002"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/295002\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media\/295003"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media?parent=295002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/categories?post=295002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/tags?post=295002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}