Outstanding Debt, Payments & Financial Obligations by Credit Type

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Housing data for proportion of outstanding debt, schedule payment and financial obligations by credit type can aid with your research. This adapted Equifax data is by Canada and by average CMA size. A detailed table with each CMA is available. Both tables are broken into debt by:

mortgages
HELOCs
lines of credit
auto loans
credit cards
all other credit

Note: Quarterly data ranges from 2019 Q1 to 2024.

Source: Equifax with calculations from CMHC

Author:: CMHC
Document Type:: Excel
Date Published:: March 26, 2025

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Note: In January 2023, we saw an unusual increase in the total outstanding mortgage balances for the third quarter of 2022 compared to previous quarters. We removed the Mortgage and Debt Data tables in question from our website in the same month to investigate.

We discovered differences in the way financial institutions are reporting their mortgage data to Equifax. This impacts the figures related to outstanding mortgages like the number of trades, number of consumers, HELOCs and installment loans.

Data tables from 2019 to 2022 have been revised.

Outstanding Debt, Payments & Financial Obligations by Credit Type

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