One-third of Canadian mortgage-holders are set to see their mortgages increase by the end of 2026, but a new Bank of Canada report suggests the vast majority have already built up a buffer against the rising costs.

Previous Bank of Canada data suggest that 60 per cent of all mortgages in Canada are up for renewal in 2025 and 2026. One-third of all mortgage holders will see an increase in their monthly payments during this period.

But Canadians are saving more, a new report released Friday shows.

The report looks at liquid assets — money held in chequing accounts, savings accounts, guaranteed investment certificates (GICs), exchange-traded funds (ETFs), stocks, bonds and mutual funds —accumulated by both homeowners and renters.

Between 2019 and 2024, Canadians with mortgages saw the

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