Household balance sheets and mortgage payment shocks

Household savings in Canada have increased significantly since 2019, especially among homeowners without a mortgage. We assess how savings buffers can mitigate households’ financial risk in relation to asset repricing, mortgage payment renewal and unemployment.

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Publication Details

Journal
Bank of Canada Research
Published
2025-10-03
DOI
https://doi.org/10.34989/san-2025-23
Primary Topic
Financial Literacy, Pension, Retirement Analysis
Type
article
Field-Weighted Citation Impact
0.00
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article

Household balance sheets and mortgage payment shocks

Bank of Canada Research
Financial Literacy, Pension, Retirement Analysis
article

Household balance sheets and mortgage payment shocks

article en

Abstract

Household savings in Canada have increased significantly since 2019, especially among homeowners without a mortgage. We assess how savings buffers can mitigate households’ financial risk in relation to asset repricing, mortgage payment renewal and unemployment.

Bank of Canada Research
Bank of Canada (CA)
Decent work and economic growth
Openalex Percentile: Top 31%
Financial Literacy, Pension, Retirement Analysis
DOIOpen Access PDFOpenAlex
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Household balance sheets and mortgage payment shocks · Bank of Canada Research (2025) | TGRS Research Map | TGRS