Household credit
Canadians fall behind on the car before the house
2026Q2 arrears: instalment loans 2.95%, auto loans 0.87%, mortgages 0.23%, HELOCs 0.11%. Instalment arrears were 2.52% a quarter earlier.
Canadian markets, read closely
Charts, not calls. The Canadian data nobody else connects.
Bank of Canada, CMHC, StatCan and company filings, put side by side and turned into one clear chart. Every number is sourced. No tips, no buy or sell calls.
Linked data
We line up datasets that usually live apart, like arrears against home equity or oil against the loonie, so the story shows up in one picture.
Built around releases
Rate decisions, jobs, CPI, GDP and housing. A read on what moved and why, the morning it lands.
Open sources
Each chart names its source. If you want to check our work, you can.
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Bank of Canada decision scorecard
Live policy rate, a countdown to the next announcement, the rate path since 2008, and a scorecard of what markets priced versus what the Bank did, with how the loonie and the 2 year yield reacted.
Open the scorecardRecent charts
From the feed
Bank of Canada
An oil hike, not a growth hike
Markets price roughly 80% odds of a hike from 2.25% to 2.50% on 28 Oct. USD/CAD fell from 1.4263 to 1.3993 in seven sessions.
Mortgages
30 year amortization let bigger loans qualify
New insured mortgages above 4.5x income went from 0.8% in 2024Q2 to 13.2% in 2026Q2. 30 year insured amortization is now 58.3% of new insured loans.
Home equity
Equity cushions are thinning
54.4% of drawn combined mortgage and HELOC balances sit above 65% loan to value, up from 35.1% in 2024Q3. Teranet prices fell 3.5% in the year to September.
Policy
Ottawa's stablecoin rules protect deposits
The draft rules ban yield on held balances. The Bank of Canada fee is C$25,000 a year under C$500m outstanding, versus C$750,000 at C$1bn and up.
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