Finance and Real Estate Infographics Canada

Canada’s residential loan market is dominated by major banks, with mortgages leading and HELOCs forming a smaller loan segment.

Several major banks beat expectations, but rising credit loss provisions signal growing concern over economic conditions and borrower stability.

Canada’s housing minister downplays price concerns, despite strong evidence showing extreme home price growth and declining affordability compared to peers.

Good News: Negative amortization mortgages—where payments don’t even cover interest—dropped 83% in volume, falling from 6% to 1% of all mortgages in a year, reflecting relief from Bank of Canada rate cuts. Bad News: Despite this progress, 31.7% of mortgages still have remaining amortizations of 25 years or more, raising concerns about long-term debt sustainability.

Between 2022 and 2023, Canada’s population increased by 2 million, but only 500,000 housing starts were recorded and even fewer units were actually completed, and the number of family doctors in Canada increased by just 815.

CPP’s long-term performance has been solid, but it hasn't outpaced key benchmarks like the S&P/TSX Index or gold. Meanwhile, its domestic investment share continues to shrink, while U.S. exposure grows.

Despite paying out significant dividends, the market capitalization of 4 out of the 6 Big Banks in Canada has more than doubled over the past decade.

The worst fiscal days of the 1980s are behind us, but 16 straight years of deficits (FY2009–FY2024) have piled on the debt and the interest payments that come with it.

Latest data shows that off-branch transactions (online, telephone, and ATM) now make up over 91% of all transactions at each of Canada’s Big 5 banks.