Mortgage delinquencies in Canada are making headlines, with reports saying they’re “up 30%.” But what does that really mean?

Defaults have risen, but that’s still below Canada’s historical “normal” range. Even during the 1980s peak, it wasn't that bad. By comparison, the U.S. sits much higher.

The truth? The rise looks dramatic in percentages, but the actual risk level is still very low. Context matters more than the headline.

Stay informed, not alarmed.

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