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early warning · Frozen publication data

Bankruptcies among mortgage holders are up 25% in a year

Consumers with a new bankruptcy, per 1,000, mortgage holders vs consumers without a mortgage, Canada

Unit: per 1,000 consumers
Compare series or markets · 2 selected
Bankruptcies among mortgage holders are up 25% in a yearNew bankruptcies among mortgage holders rose from 0.53 to 0.66 per 1,000 between Q2 2025 and Q2 2026, a 25% jump. Non-mortgage consumers rose 5%. Unit: per 1,000 consumers. Not seasonally adjusted. Use left and right arrow keys to inspect observations. The data table follows the chart.Bankruptcies among mortgage holders are up 25% in a yearNo mortgage, per 1,000Mortgage holders, per 1,000per 1,000 consumers0.250.50.7511.251.5Q2 2022Q2 2023Q2 2024Q2 2025Q2 2026CMHC, Residential Mortgage Industry Report, Fall 2026, figure 5 (Equifax data, CMHC calculations) · Through 2026-Q2Not seasonally adjustedHOMIES RESEARCH
Q2 2026No mortgage, per 1,000 1.37Mortgage holders, per 1,000 0.66

New bankruptcies among mortgage holders rose from 0.53 to 0.66 per 1,000 between Q2 2025 and Q2 2026, a 25% jump. Non-mortgage consumers rose 5%.

Source: CMHC, Residential Mortgage Industry Report, Fall 2026, figure 5 (Equifax data, CMHC calculations). Reference: 2026-Q2. Released 2026-10-27. Retrieved 2026-10-27.

Not seasonally adjusted · CMHC describes the rise as 25% for mortgage holders vs 5% for others. The rounded table values give about 24.5% and 5.4%.

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View accessible data table · 2 series, 17 observations

Showing the latest 12 observations.

Bankruptcies among mortgage holders are up 25% in a year. Unit: per 1,000 consumers. Not seasonally adjusted
PeriodNo mortgage, per 1,000Mortgage holders, per 1,000
Q3 20231.290.5
Q4 20231.360.53
Q1 20241.330.52
Q2 20241.380.54
Q3 20241.390.55
Q4 20241.360.54
Q1 20251.290.51
Q2 20251.30.53
Q3 20251.380.59
Q4 20251.440.6
Q1 20261.490.65
Q2 20261.370.66

Homies Research · CMHC Fall 2026 mortgage report, explained ↗