What disclosures are required for residential mortgage portfolios, especially related to straight switches?
Federally regulated financial institutions (FRFIs) must publicly report information about their mortgage portfolios every quarter to ensure transparency.
This includes details like the proportion of insured versus uninsured mortgages and HELOCs, broken down by geographic region.
Key Points
More information from lenders helps you understand their mortgage practices.
Lenders need to share enough details about their mortgages so everyone can see how healthy their business is.
Lenders who offer mortgages must publish information about them every three months.
These reports show how many mortgages are insured, how many are not, and where the properties are located.
Primary sources
Primary sources cited by the Ratellow Research Team. Editorial standards · Correction policy
Related Questions
How does the stress test affect my 2026 renewal options?
Same-lender renewals and uninsured straight switches (OSFI, November 21, 2024) are exempt from the prescribed MQR. A refinance, an insured switch, or any increase in loan amount still requires the stress test — greater of 5.25% or contract + 2%.
What's the difference between insured and uninsured mortgage renewals?
Insured mortgages face stricter CMHC/Sagen constraints while uninsured mortgages enjoy flexible OSFI-only guidelines.
Should I consider switching lenders or negotiate with my current lender?
Your switching decision hinges on rate differential versus requalification risk, with break-even analysis determining optimal strategy.
When should I start my mortgage renewal process?
Start your renewal process 120-180 days before your current term expires to maximize your strategic options.