Canada’s mortgage market is shifting and the Fall 2025 Residential Mortgage Industry Report reveals what’s changing for borrowers, lenders, and the housing outlook. 

In this episode of In-House, host Joelle Hamilton speaks with CMHC Deputy Chief Economist Aled ab Iorwerth about: 

 ✔ Why fixed-rate mortgages are popular again 

 ✔ Big 6 lenders gaining market share 

 ✔ Rising delinquency rates in Ontario and B.C. 

 ✔ What 750,000+ mortgage renewals mean for payments and affordability 

Read the full RMIR: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-research/research-reports/housing-finance/residential-mortgage-industry-report

Explore the interactive Residential Mortgage Industry Data Dashboard: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-data/residential-mortgage-industry-data-dashboard 

We need to break down barriers for municipalities—so they can accelerate building and have a lasting impact on housing supply. We sat down with CMHC’s Deputy Chief Economist Aled ab Iorwerth & Director, Government Relations and Head of the Housing Accelerator Fund Chris Woodcock to dive into what’s holding back new housing and the bold actions needed to accelerate growth. 

🏡 Listen in for expert insights on the future of Canada’s housing market. 

Track Housing Accelerator Fund progress here: https://ow.ly/ZBOB50X6rkn

Key Insights from the Spring 2025 Residential Mortgage Industry Report 

In this episode of In-House: Canada's Housing Podcast, we break down the key findings from CMHC's Spring 2025 Residential Mortgage Industry Report. 

Join host Joelle Hamilton and Deputy Chief Economist Aled ab Iorwerth as they explore: 

• How mortgage debt grew to $2.3 trillion (+4.4% YoY) 
• Why variable-rate mortgages are making a comeback 
• What rising mortgage delinquency rates mean for borrowers and lenders
• The risks tied to mortgage renewals in 2025–26 
• Whether recent interest rate cuts are bringing financial relief to households.

If you're a homeowner, renter, lender, or policymaker, this episode is packed with essential insights to help you understand the shifts happening in Canada's housing finance system. 

🎧 Listen now and dive deeper into the trends that will shape the mortgage landscape this year!

Explore the Full Report: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-research/research-reports/housing-finance/residential-mortgage-industry-report

Join us as we delve into the 25th edition of CMHC’s Mortgage Consumer Survey with expert guest, Sabrina Guay.

Whether you’re a mortgage professional, real estate agent, or lender, the 25th edition of the Mortgage Consumer Survey will help you better understand market dynamics and consumer needs. 

What will shape Canada’s housing market in 2025 and beyond? Join host Joelle Hamilton and CMHC Deputy Chief Economist Kevin Hughes as they unpack the 2025 Housing Market Outlook.  

From economic trends and housing demand to rental market shifts and regional insights, this episode looks at what’s ahead for homeowners, renters, and industry leaders. 

Don’t miss key takeaways and expert analysis on mortgage rates, affordability, and more! 

Explore the key insights from CMHC’s Fall 2024 Rental Market Report. Join Deputy Chief Economists Tania Bourassa-Ochoa and Kevin Hughes as they discuss rental supply growth, affordability challenges, and trends shaping Canada’s rental market.

In this episode, we explore the key trends shaping Canada’s housing finance landscape. Tania Bourassa-Ochoa, our Deputy Chief Economist, breaks down the most important findings from the latest Residential Mortgage Industry Report.

Join our Deputy Chief Economist, Aled Ab Iorwerth, as he delves into the key findings from our recent Housing Supply Report.

Get ready to unlock the latest housing trends, strategies, and expert advice with CMHC’s new podcast, In-House. Whether you're a first-time buyer, a seasoned realtor and mortgage professional, or just curious about Canada's housing market, we’re here to simplify the complex, challenge your thinking, and help you prepare for tomorrow’s market.

Join us for real conversations with housing leaders that move you and keep you ahead of the curve. 

On this episode, we meet Dale, a senior who found herself homeless and alone during a northern winter. She stayed a few nights with friends, but desperately needed a long-term solution. That's when she found AVEN Pavilion. 

Join our Deputy Chief Economist Tania Bourassa-Ochoa as she delves into the key findings from our recent Housing Supply Report. In this episode, we discuss contrasting trends across key cities, with growth in ground-oriented construction and a slowdown in condos.  

Learn how these shifts could impact supply, affordability, and the construction workforce. 

Tune in to gain valuable insights and stay updated on the latest housing trends! 

How can the housing sector tackle climate change and prioritize sustainability?

Join us in our latest episode of In-House, where we’re joined by Daniel Dicaire, Senior Manager of Sustainability and Conservation at Ottawa Community Housing Corporation. 

Listen and subscribe for more insights from Canada’s housing experts. 

Canada needs more rental housing—but how do we build it without putting tenants at risk? 

In this episode of In-House, CMHC’s Deputy Chief Economist Aled ab Iorwerth explains what CMHC’s research tells us about rent control, financialization, and how to scale up rental supply while safeguarding tenant rights. 

Listen and subscribe for more insights from Canada’s housing experts. 

📌 Full article: https://ow.ly/15Is50WE2HB

In this episode of In-House, CMHC Deputy Chief Economist Aled ab Iorwerth joins host Joelle Hamilton to unpack the key findings from CMHC’s 2025 Canadian Rental Construction Survey. 

We explore what’s driving short-term developer pessimism—and what could help unlock more purpose-built rental housing across the country. 

🔍 What you'll learn in this episode: 

• Why 42% of developers are pessimistic about the short-term outlook 
• The impact of financing challenges, development fees and tariffs 
• How developers are shifting toward “build-to-hold” strategies, instead of “build-to-sell" 
• Why modular and prefabricated homes are still underused in Canada 
• What these insights mean for Canada’s broader housing supply goals 

After serving in Afghanistan, Jeremy found himself homeless. With support from Homes For Heroes, he got a second chance—and now helps fellow veterans do the same. Hear his story!

Canada’s housing supply isn’t keeping up with demand. We sat down with CMHC’s Deputy Chief Economist Aled ab Iorwerth & Chief Economist Mathieu Laberge to break down the challenges, what’s holding back new housing, and the bold actions needed to restore affordability.

🔹 Why do we have a housing supply gap?

🔹 How much housing do we actually need?

🔹 What solutions can help close the gap?

🔹 Where more housing is needed in Canada

🏡 Listen in for expert insights on the future of Canada’s housing market!

Urban growth is changing the face of our cities. As high-rises replace single-family homes, thousands of houses are routinely torn down and sent to the landfill. But does redevelopment have to mean demolition? In this episode, we explore an alternative approach with Renewal Development — a removal service provider that gives these homes a second life. Learn how their work not only reduces waste but also helps address the housing shortage by relocating and repurposing homes that would otherwise be lost. 

Humans of Housing is a special audio series that tells the stories of those working to make a difference — and of the people whose lives are changed because of them.

Canada’s rental market is changing — fast. 

Vacancy is rising, supply is growing, turnover rents are falling, and renters are finally seeing more choice. In this episode of In-House, Tania Bourassa-Ochoa, one of CMHC’s Deputy Chief Economists, breaks down the key insights from the 2025 Rental Market Report and explain what it means for affordability, demand, supply, and regional trends across the country. 

We cover: 

• National vacancy trends 
• Record-high rental completions 
• Slower rental demand 
• Turnover vs non-turnover rents 
• Regional stories from Toronto, Calgary, Edmonton, Halifax, Montréal, and more 
• What to expect in 2026 

Listen now for expert insights on Canada’s evolving rental landscape! 

Canada’s housing system went through major changes in 2025 and this Year-In-Review episode breaks down the key themes shaping the year and the outlook for 2026. 
 
Chief Economist Mathieu Laberge joins host Joelle Hamilton to explore: 
• Persistent structural barriers slowing new housing 
• Canada’s growing supply gap and why doubling starts is essential 
• Why construction still takes so long, despite new policy momentum 
• A turning point in rental markets — including Vancouver’s 30-year vacancy high 
• Big shifts in borrowing, lending, and mortgage trends 
• Regional differences in housing starts and affordability 
• What to watch for in 2026 as reforms take hold 
 
🎧 Listen for a clear, accessible breakdown of Canada’s housing story — and the signals that matter most for the year ahead.

n this episode of In-House, we unpack CMHC’s 2026 Housing Market Outlook — covering what’s ahead for the economy, home prices, rental markets and housing supply.

Our expert walks through: 

• Why economic growth is expected to be weak in 2026 

• What slowing population growth means for housing demand 

• Why construction is forecast to decline across much of the country 

• How rental markets are easing — and what that means for renters 

• Where regional markets are diverging (Ontario, B.C., Quebec, Prairies) 

• What all this means for Canadians deciding whether to rent, buy or wait 

Whether you’re a policymaker, planner, developer, housing professional or just trying to understand what’s happening in your local market, this conversation breaks down the data in clear, practical terms. 

🔗 Explore the full Housing Market Outlook: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/market-reports/housing-market/housing-market-outlook

🔔 Subscribe for more housing data, research and insights from CMHC.

#Housing #HousingMarket #RealEstate #Renting #HomePrices 

Where is Canada’s housing system gaining momentum – and where are pressures quietly building beneath the surface?

Join our Deputy Chief Economist Tania Bourassa-Ochoa as she delves into the key findings from our recent Housing Supply Report.

Tune in to gain valuable insights and stay updated on the latest housing trends!

In-House is more than market trends and data. It's about people and programs. From coast to coast to coast, we share stories of Canadians who are directly impacted by our funding.

Today, we introduce you to northern housing developers Amanda Doiron and Stuart Rostant. Partners in life and work, the couple met in Canada and started their careers in Trinidad and Tobago before taking a leap and moving to Canada's North. Fifteen years in, they've turned adventure into opportunity into solutions.

Thanks to the support from the Government of Canada's Housing Supply Challenge, Stuart and Amanda are forging a new path to housing construction in Canada's North.

Canada's mortgage market hit a turning point in 2025, and in this episode of In-House, we dig into what the data is really telling us.

Host Joelle Hamilton sits down with Aled ab Iorwerth, CMHC Deputy Chief Economist, to break down the Spring 2026 Residential Mortgage Industry Report (RMIR). They cover what drove the biggest renewal wave in recent memory, why borrowers are shifting back to variable rates, and what signals — good and concerning — are shaping the outlook for the rest of 2026.

What you'll hear in this episode:

• The renewal wave peaked in 2025 as pandemic era buyers mortgages expired. Why 2026 should be calmer — and where payment pressure still lingers. 

• Why 42% of new mortgages are now variable-rate — and what it means if rates change. 

•  While still historically low nationally, delinquencies in Ontario and Toronto have increased year-over-year (35% and 45%), a trend worth watching.

• The stress hiding beneath the headline numbers — how unemployment and non-mortgage delinquencies signal what's coming before it hits mortgage arrears.

• What structural signals offer cautious optimism: amortizations normalizing, HELOC performance holding steady, and TDS ratios improving. 

 If you work in lending, real estate, housing policy, or you're a homeowner navigating today's rate environment, this episode is for you. 

Resources mentioned: 

→ Spring 2026 RMIR full report: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-research/research-reports/housing-finance/residential-mortgage-industry-report

→ CMHC Residential Mortgage Industry Data Dashboard: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-data/residential-mortgage-industry-data-dashboard 

Subscribe to In-House for more housing market insights from CMHC.

We talked to over 4,100 recent mortgage consumers across Canada. We surveyed homebuyers, renewers, and refinancers, to find out how they feel about buying a home, securing a mortgage, and who they turned to for help.  CMHC expert Sabrina Guay breaks down what they said.