{"id":17,"date":"2026-09-17T11:00:00","date_gmt":"2026-09-17T11:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/fcm4-com\/2026\/09\/17\/ontario-mortgage-stress-rises-10-basis-points\/"},"modified":"2026-09-17T11:00:00","modified_gmt":"2026-09-17T11:00:00","slug":"ontario-mortgage-stress-rises-10-basis-points","status":"publish","type":"post","link":"https:\/\/www.fcm4.com\/blog\/2026\/09\/17\/ontario-mortgage-stress-rises-10-basis-points\/","title":{"rendered":"Ontario Mortgage Stress Rises 10 Basis Points"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/indran-kunam\/mortgage-stress-ontario-remotion-videos-41a9\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Ontario\u2019s mortgage landscape has seen some notable shifts: by late Q2, mortgage balances at least 60 days overdue reached approximately 0.4%, after a 10 basis point increase over the year\u2014the sharpest rise across the provinces. Account-level delinquencies climbed as well, up 6 basis points to around 0.3%. What stands out is that this stress is more concentrated among homeowners with larger mortgage balances, pointing to affordability pressures and payment shocks, especially for those who took on mortgages during the 2022\u20132023 rate spike. On a positive note, mortgages originated in 2024 are generally performing better, with most of the elevated risk isolated to a smaller, subprime segment. I always emphasize the value of strategic, long-term planning and clear guidance to help navigate these kinds of challenges, so that your mortgage experience remains smooth and as stress-free as possible.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ontario\u2019s mortgage landscape has seen some notable shifts: by late Q2, mortgage balances at least 60 days overdue reached approximately 0.4%, after a 10 basis point increase over the year\u2014the sharpest rise across the provinces. Account-level delinquencies climbed as well, up 6 basis points to around 0.3%. What stands out is that this stress is [&hellip;]<\/p>\n","protected":false},"author":128,"featured_media":42,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/users\/128"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":0,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts\/17\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/media\/42"}],"wp:attachment":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/media?parent=17"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/categories?post=17"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/tags?post=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}