Portfolio health amid the mortgage renewal wall
Many Canadian borrowers who secured low-rate mortgages during the pandemic period are renewing into a materially different rate environment. For lenders, the question is not only whether delinquencies rise. It is how renewal pressure affects borrower behaviour, portfolio performance, credit migration, prepayment, household liquidity, and long-term customer relationships.
This session examines how institutions are monitoring portfolio health through the renewal wall. Panelists will discuss early warning indicators, payment shock, amortization pressure, loss mitigation, IFRS 9 considerations, segmentation, renewal strategy, and how lenders can distinguish temporary stress from structural borrower impairment.