{"id":27530,"date":"2026-04-14T05:27:58","date_gmt":"2026-04-14T05:27:58","guid":{"rendered":"https:\/\/finderica.com\/?p=27530"},"modified":"2026-04-14T05:27:58","modified_gmt":"2026-04-14T05:27:58","slug":"mortgage-growth-outpaced-housing-gains-in-late-2025","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=27530","title":{"rendered":"Mortgage growth outpaced housing gains in late 2025"},"content":{"rendered":"<div>\n<p>Canadian households took on more mortgage debt in late 2025 even as the value of their homes slipped.<\/p>\n<p><a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/260413\/dq260413a-eng.htm\" target=\"_blank\" rel=\"noreferrer noopener\">New data<\/a> from Statistics Canada show real estate values declined 0.7% in the fourth quarter of 2025, while mortgage debt climbed 4.2%. Overall household net worth still rose 5.3%, but that increase came entirely from financial assets, particularly equities, the report notes.<\/p>\n<p>The increase in borrowing was broad-based, with mortgage debt rising across age groups. Households aged 55 to 64 recorded the fastest growth, up 6.0% from a year earlier.<\/p>\n<h3 class=\"wp-block-heading\">More debt, softer housing backdrop<\/h3>\n<p>That leaves households with more mortgage debt, but less of a boost from rising home values, especially among lower-wealth households.<\/p>\n<p>While the value of their real estate holdings rose modestly (+3.5%), mortgage costs jumped 7.5%, more than offsetting those gains. <\/p>\n<p>Among younger households, net worth rose 5.7%, helped by gains in financial assets, while mortgage debt also increased. <\/p>\n<p>Debt service ratios for younger households remain elevated, with interest payments accounting for about 10.5% of disposable income. On a broader measure that includes both principal and interest, households overall are spending closer to 14.6%.<\/p>\n<p>At the other end, higher-wealth households saw the strongest gains in net worth, driven by financial markets rather than housing. Their mortgage debt rose just 0.7%, while financial assets posted double-digit gains.<\/p>\n<h3 class=\"wp-block-heading has-text-align-center\">Change in mortgage debt by age group<\/h3>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"616\" height=\"465\" src=\"https:\/\/www.canadianmortgagetrends.com\/wp-content\/uploads\/2026\/04\/Change-in-average-household-mortgage-debt-by-age-group-of-major-income-earner.png\" alt=\"Change in mortgage debt by age group\" class=\"wp-image-83445\" srcset=\"https:\/\/www.canadianmortgagetrends.com\/wp-content\/uploads\/2026\/04\/Change-in-average-household-mortgage-debt-by-age-group-of-major-income-earner.png 616w, https:\/\/www.canadianmortgagetrends.com\/wp-content\/uploads\/2026\/04\/Change-in-average-household-mortgage-debt-by-age-group-of-major-income-earner-100x75.png 100w, https:\/\/www.canadianmortgagetrends.com\/wp-content\/uploads\/2026\/04\/Change-in-average-household-mortgage-debt-by-age-group-of-major-income-earner-500x377.png 500w\" sizes=\"(max-width: 616px) 100vw, 616px\"><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">Report highlights<\/h2>\n<ul class=\"wp-block-list\">\n<li>Household net worth rose 5.3% year over year <\/li>\n<li>Financial assets rose 9.9%, accounting for the increase in net worth, while real estate values fell 0.7% <\/li>\n<li>Mortgage debt increased 4.2% overall, outpacing housing values <\/li>\n<li>Lower-wealth households saw mortgage costs jump 7.5%, offsetting modest gains in home values <\/li>\n<li>Mortgage debt among 55\u201364-year-olds rose 6.0%, the fastest of any age group <\/li>\n<li>Net worth among younger households rose 5.7%, driven by financial assets <\/li>\n<li>The top 20% hold 65.7% of total net worth, versus 3.0% for the bottom 40%<\/li>\n<\/ul>\n<p>Visited 2 times, 2 visit(s) today<\/p>\n<p class=\"tmnf_posttag\">debt-service ratio demographics household debt household net worth mortgage debt mortgage industry news statcan statistics canada<\/p>\n<p class=\"modified small cntr\" itemprop=\"dateModified\">Last modified: April 13, 2026<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/www.canadianmortgagetrends.com\/2026\/04\/mortgage-growth-outpaced-housing-gains-in-late-2025\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Canadian households took on more mortgage debt in late 2025 even as the value of their homes slipped. New data from Statistics Canada show real estate values declined 0.7% in the fourth quarter of 2025, while mortgage debt climbed 4.2%. Overall household net worth still rose 5.3%, but that increase came entirely from financial assets,<\/p>\n","protected":false},"author":1,"featured_media":27531,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[216],"tags":[113,735,269,277,417,8314],"class_list":{"0":"post-27530","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgage","8":"tag-gains","9":"tag-growth","10":"tag-housing","11":"tag-late","12":"tag-mortgage","13":"tag-outpaced"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/27530","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=27530"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/27530\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/27531"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27530"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27530"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}