Former top banker on financial risks to mortgage holders

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Former Bank of Canada governor David Dodge discusses the central bank’s update on Canada’s financial stability.

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21 COMMENTS

  1. David Dodge, like most central bankers, is careful not to create panic. However, I am not a central banker and can be more candid. If you're struggling to afford a 2.5% interest rate on your mortgage, you'll be screwed when you have to renew at a much higher rate.

  2. If you can't afford 2 or 3 % higher mortgage rates at renewal, you bought a house over your price range.

    Just like if you buy a car and can only afford the payments with a 6, 7 or 8 year loan, you bought a car way over what you can afford.

    And by the way? Practically every country in the world is living the same thing.

  3. In Canada we have real estate crisis because of mortgage income document fraud. The financial regulators such as osfi, fintrac , fsra, need to do more. Mass mortgage income document fraud is creating chaos in real estate. This must be stopped. Link up banks with CRA is the only solution

  4. We got fed up with the mortgage games the banks & governments were play when our renewal came up during covid. Banks won't allow you to get rid of debt quickly without charging you penalties. We called a broker & changed to a HELOC. Since then we have been scrambling to make our debt go away.

  5. "Such a great deal in 2020 and 2021" You mean a great deal on the rate, values were severely inflated at that time as well. Great deal if you're selling i guess

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