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CMHC’s Insured Mortgage Deferral Data

Provincial/territorial and census metropolitan area data.

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When financial difficulties occur, it is important to have the right tools to deal with that situation.

That is why CMHC and other mortgage insurers are offering tools to lenders that can assist mortgage holders in Canada who may be experiencing hardships. These include default management tools such as payment deferral, loan re-amortization, capitalization of eligible expenses, and other options as applicable to the borrower.

The Government, through CMHC, has worked with lenders to allow mortgage payment deferrals for up to six months as part of extraordinary measures to help homeowners and multi-unit borrowers facing financial difficulties during the COVID-19 crisis, as well as minimize the risks of further financial and market instabilities. CMHC has also worked with housing providers that have direct loans with CMHC to assess their changing financial situation, with the objective of providing a solution that meets their needs.

The tables below show a breakdown of the CMHC-insured mortgages currently under a payment deferral as of July 31st. This information is reported to CMHC by lenders and is not reflective of the entire mortgage market, or the entire housing industry. For a complete picture of the mortgage market, please visit the Canadian Bankers Association website.

We are developing a series of analysis to gain a better understanding of the impacts of COVID-19 on housing. It will examine various characteristics of mortgage deferrals. Read the latest analysis.

Provinces & Territories (PT)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at November 30, 2020
Alberta 2%
British Columbia 1%
Manitoba 1%
New Brunswick 1%
Newfoundland and Labrador 1%
Northwest Territories 1%
Nova Scotia 1%
Nunavut 2%
Ontario 1%
Prince Edward Island 1%
Quebec 2%
Saskatchewan 3%
Yukon Territory 1%
Total Canada 1%

Census Metropolitan Area (CMA)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at November 30, 2020
(CMA) St. John's 1%
(CMA) Halifax 1%
(CMA) Moncton 1%
(CMA) Québec 2%
(CMA) Montréal 2%
(CMA) Ottawa - Gatineau 1%
(CMA) Toronto 1%
(CMA) Hamilton 1%
(CMA) Winnipeg 1%
(CMA) Regina 2%
(CMA) Saskatoon 2%
(CMA) Calgary 2%
(CMA) Edmonton 2%
(CMA) Vancouver 1%
(CMA) Victoria 1%

Historical deferral numbers by month

July 2020

Provinces & Territories (PT)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at July 31, 2020
Alberta 17%
British Columbia 8%
Manitoba 9%
New Brunswick 9%
Newfoundland and Labrador 13%
Northwest Territories 10%
Nova Scotia 9%
Nunavut 6%
Ontario 7%
Prince Edward Island 7%
Quebec 7%
Saskatchewan 12%
Yukon Territory 8%
Total Canada 9%

Census Metropolitan Area (CMA)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at July 31, 2020
(CMA) St. John's 12%
(CMA) Halifax 8%
(CMA) Moncton 10%
(CMA) Québec 6%
(CMA) Montréal 9%
(CMA) Ottawa-Gatineau  5%
(CMA) Toronto 8%
(CMA) Hamilton 6%
(CMA) Winnipeg 10%
(CMA) Regina 12%
(CMA) Saskatoon 12%
(CMA) Calgary 15%
(CMA) Edmonton 18%
(CMA) Vancouver 8%
(CMA) Victoria 6%

August 2020

Provinces & Territories (PT)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at August 31, 2020
Alberta 15%
British Columbia 7%
Manitoba 8%
New Brunswick 8%
Newfoundland and Labrador 11%
Northwest Territories 9%
Nova Scotia 8%
Nunavut 6%
Ontario 6%
Prince Edward Island 6%
Quebec 7%
Saskatchewan 11%
Yukon 7%
Total Canada 8%

Census Metropolitan Area (CMA)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at August 31, 2020
(CMA) St. John's 11%
(CMA) Halifax 7%
(CMA) Moncton 9%
(CMA) Québec 6%
(CMA) Montréal 8%
(CMA) Ottawa-Gatineau  4%
(CMA) Toronto 7%
(CMA) Hamilton 5%
(CMA) Winnipeg 9%
(CMA) Regina 11%
(CMA) Saskatoon 11%
(CMA) Calgary 14%
(CMA) Edmonton 16%
(CMA) Vancouver 7%
(CMA) Victoria 6%

September 2020

Provinces & Territories (PT)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at September 30, 2020
Alberta 10%
British Columbia 5%
Manitoba 5%
New Brunswick 5%
Newfoundland and Labrador 7%
Northwest Territories 6%
Nova Scotia 5%
Nunavut 3%
Ontario 4%
Prince Edward Island 4%
Quebec 5%
Saskatchewan 8%
Yukon Territory 5%
Total Canada 5%

Census Metropolitan Area (CMA)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at September 30, 2020
(CMA) St. John's 7%
(CMA) Halifax 4%
(CMA) Moncton 5%
(CMA) Québec 5%
(CMA) Montréal 5%
(CMA) Ottawa - Gatineau 3%
(CMA) Toronto 4%
(CMA) Hamilton 3%
(CMA) Winnipeg 6%
(CMA) Regina 8%
(CMA) Saskatoon 8%
(CMA) Calgary 9%
(CMA) Edmonton 11%
(CMA) Vancouver 5%
(CMA) Victoria 3%

October 2020

Provinces & Territories (PT)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at October 31, 2020
Alberta 4%
British Columbia 2%
Manitoba 2%
New Brunswick 2%
Newfoundland and Labrador 3%
Northwest Territories 3%
Nova Scotia 2%
Nunavut 3%
Ontario 1%
Prince Edward Island 2%
Quebec 2%
Saskatchewan 3%
Yukon Territory 2%
Total Canada 2%

Census Metropolitan Area (CMA)

Active deferral rate is calculated using the number of CMHC-insured loans actively with a deferral reported as a percentage of total insurance-in-force for the quarter
ACTIVE DEFERRALS, ALL CMHC PRODUCTS Reported as at October 31, 2020
(CMA) St. John's 3%
(CMA) Halifax 2%
(CMA) Moncton 2%
(CMA) Québec 2%
(CMA) Montréal 2%
(CMA) Ottawa-Gatineau  1%
(CMA) Toronto 1%
(CMA) Hamilton 1%
(CMA) Winnipeg 2%
(CMA) Regina 4%
(CMA) Saskatoon 3%
(CMA) Calgary 3%
(CMA) Edmonton 4%
(CMA) Vancouver 2%
(CMA) Victoria 1%

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Date Published: November 26, 2020

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