{
    "terms": {
        "url": "https://www.bankofcanada.ca/terms/"
    },
    "groupDetail": {
        "label": "The impact of recent policy changes on the Canadian mortgage market",
        "description": "This file contains data based on the Bank of Canada research paper described above.\r\nThe data is not an official statistical release by the Bank of Canada, and it is provided on a voluntary basis by the author(s).\r\n    The Bank and the author(s) are not responsible for errors in this file and do not guarantee that the series will be updated in the future.",
        "link": "https://www.bankofcanada.ca/?p=201652"
    },
    "seriesDetail": {
        "WM_SAN_BILO20181003_C1_S1": {
            "label": "High-ratio mortgages (right scale)",
            "description": "Share of new mortgages with a loan-to-income ratio over 450 per cent",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C1_S2": {
            "label": "Low-ratio mortgages (right scale)",
            "description": "Share of new mortgages with a loan-to-income ratio over 450 per cent",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C1_S3": {
            "label": "Total mortgages (right scale)",
            "description": "Share of new mortgages with a loan-to-income ratio over 450 per cent",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C1_S4": {
            "label": "5-year mortgage rate (left scale)",
            "description": "Share of new mortgages with a loan-to-income ratio over 450 per cent",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S1_Q1": {
            "label": "0–250%_2018Q1",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S1_Q2": {
            "label": "0–250%_2018Q2",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S2_Q1": {
            "label": "250–350%_2018Q1",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S2_Q2": {
            "label": "250–350%_2018Q2",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S3_Q1": {
            "label": "350–450%_2018Q1",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S3_Q2": {
            "label": "350–450%_2018Q2",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S4_Q1": {
            "label": "450% +_2018Q1",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S4_Q2": {
            "label": "450% +_2018Q2",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S5_Q1": {
            "label": "Total_2018Q1",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C3_S5_Q2": {
            "label": "Total_2018Q2",
            "description": "Year-over-year change in the number of new uninsured borrowers, by loan-to-income ratio",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C4_S1": {
            "label": "Calgary",
            "description": "Share of new mortgages with loan-to-income ratio over 450 per cent; Calgary",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C4_S2": {
            "label": "Halifax",
            "description": "Share of new mortgages with loan-to-income ratio over 450 per cent; Halifax",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C4_S3": {
            "label": "Hamilton",
            "description": "Share of new mortgages with loan-to-income ratio over 450 per cent; Hamilton",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C4_S4": {
            "label": "Montréal",
            "description": "Share of new mortgages with loan-to-income ratio over 450 per cent; Montréal",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C4_S5": {
            "label": "Ottawa – Gatineau",
            "description": "Share of new mortgages with loan-to-income ratio over 450 per cent; Ottawa – Gatineau",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C4_S6": {
            "label": "Toronto",
            "description": "Share of new mortgages with loan-to-income ratio over 450 per cent; Toronto",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C4_S7": {
            "label": "Vancouver",
            "description": "Share of new mortgages with loan-to-income ratio over 450 per cent; Vancouver",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C4_S8": {
            "label": "Victoria",
            "description": "Share of new mortgages with loan-to-income ratio over 450 per cent; Victoria",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C5_S1": {
            "label": "Calgary_Year-over-year change in number of borrowers, 2018Q2",
            "description": "Year-over-year change in number of borrowers, 2018Q2; Calgary",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C5_S2": {
            "label": "Halifax_Year-over-year change in number of borrowers, 2018Q2",
            "description": "Year-over-year change in number of borrowers, 2018Q2; Halifax",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C5_S3": {
            "label": "Hamilton_Year-over-year change in number of borrowers, 2018Q2",
            "description": "Year-over-year change in number of borrowers, 2018Q2; Hamilton",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C5_S4": {
            "label": "Montréal_Year-over-year change in number of borrowers, 2018Q2",
            "description": "Year-over-year change in number of borrowers, 2018Q2; Montréal",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C5_S5": {
            "label": "Ottawa – Gatineau_Year-over-year change in number of borrowers, 2018Q2",
            "description": "Year-over-year change in number of borrowers, 2018Q2; Ottawa – Gatineau",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C5_S6": {
            "label": "Toronto_Year-over-year change in number of borrowers, 2018Q2",
            "description": "Year-over-year change in number of borrowers, 2018Q2; Toronto",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C5_S7": {
            "label": "Vancouver_Year-over-year change in number of borrowers, 2018Q2",
            "description": "Year-over-year change in number of borrowers, 2018Q2; Vancouver",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C5_S8": {
            "label": "Victoria_Year-over-year change in number of borrowers, 2018Q2",
            "description": "Year-over-year change in number of borrowers, 2018Q2; Victoria",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S1_C": {
            "label": "Big Six banks_Year-over-year change in volume, 2018Q2",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S1_P": {
            "label": "Big Six banks_Year-over-year absolute change in market share, 2018Q2_From 77.5% to 72.6%",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S2_C": {
            "label": "Smaller banks_Year-over-year change in volume, 2018Q2",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S2_P": {
            "label": "Smaller banks_Year-over-year absolute change in market share, 2018Q2_From 8.6% to 9%",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S3_C": {
            "label": "Credit unions_Year-over-year change in volume, 2018Q2",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S3_P": {
            "label": "Credit unions_Year-over-year absolute change in market share, 2018Q2_From 2% to 2.6%",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S4_C": {
            "label": "Mortgage finance companies_Year-over-year change in volume, 2018Q2",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S4_P": {
            "label": "Mortgage finance companies_Year-over-year absolute change in market share, 2018Q2_From 6.2% to 7%",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S5_C": {
            "label": "Private lenders_Year-over-year change in volume, 2018Q2",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C6_S5_P": {
            "label": "Private lenders_Year-over-year absolute change in market share, 2018Q2_From 5.9% to 8.7%",
            "description": "None",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        }
    },
    "observations": [
        {
            "d": "2014-01-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "11.7"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "13.0"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "12.7"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.5"
            },
            "WM_SAN_BILO20181003_C4_S1": {
                "v": "13.9"
            },
            "WM_SAN_BILO20181003_C4_S2": {
                "v": "3.6"
            },
            "WM_SAN_BILO20181003_C4_S3": {
                "v": "9.3"
            },
            "WM_SAN_BILO20181003_C4_S4": {
                "v": "11.6"
            },
            "WM_SAN_BILO20181003_C4_S5": {
                "v": "8.5"
            },
            "WM_SAN_BILO20181003_C4_S6": {
                "v": "21.6"
            },
            "WM_SAN_BILO20181003_C4_S7": {
                "v": "30.4"
            },
            "WM_SAN_BILO20181003_C4_S8": {
                "v": "22.7"
            }
        },
        {
            "d": "2014-04-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "12.1"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "12.6"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "12.5"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.0"
            },
            "WM_SAN_BILO20181003_C4_S1": {
                "v": "16.6"
            },
            "WM_SAN_BILO20181003_C4_S2": {
                "v": "6.2"
            },
            "WM_SAN_BILO20181003_C4_S3": {
                "v": "10.4"
            },
            "WM_SAN_BILO20181003_C4_S4": {
                "v": "11.7"
            },
            "WM_SAN_BILO20181003_C4_S5": {
                "v": "7.0"
            },
            "WM_SAN_BILO20181003_C4_S6": {
                "v": "24.0"
            },
            "WM_SAN_BILO20181003_C4_S7": {
                "v": "31.2"
            },
            "WM_SAN_BILO20181003_C4_S8": {
                "v": "18.1"
            }
        },
        {
            "d": "2014-07-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "14.9"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "13.9"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "14.1"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.0"
            },
            "WM_SAN_BILO20181003_C4_S1": {
                "v": "17.2"
            },
            "WM_SAN_BILO20181003_C4_S2": {
                "v": "6.2"
            },
            "WM_SAN_BILO20181003_C4_S3": {
                "v": "12.7"
            },
            "WM_SAN_BILO20181003_C4_S4": {
                "v": "12.7"
            },
            "WM_SAN_BILO20181003_C4_S5": {
                "v": "7.8"
            },
            "WM_SAN_BILO20181003_C4_S6": {
                "v": "27.0"
            },
            "WM_SAN_BILO20181003_C4_S7": {
                "v": "31.7"
            },
            "WM_SAN_BILO20181003_C4_S8": {
                "v": "19.7"
            }
        },
        {
            "d": "2014-10-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "15.6"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "14.2"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "14.5"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.0"
            },
            "WM_SAN_BILO20181003_C4_S1": {
                "v": "17.3"
            },
            "WM_SAN_BILO20181003_C4_S2": {
                "v": "6.9"
            },
            "WM_SAN_BILO20181003_C4_S3": {
                "v": "11.4"
            },
            "WM_SAN_BILO20181003_C4_S4": {
                "v": "13.2"
            },
            "WM_SAN_BILO20181003_C4_S5": {
                "v": "9.1"
            },
            "WM_SAN_BILO20181003_C4_S6": {
                "v": "26.4"
            },
            "WM_SAN_BILO20181003_C4_S7": {
                "v": "32.6"
            },
            "WM_SAN_BILO20181003_C4_S8": {
                "v": "21.2"
            }
        },
        {
            "d": "2015-01-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "16.1"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "14.5"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "14.7"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.9"
            },
            "WM_SAN_BILO20181003_C4_S1": {
                "v": "17.5"
            },
            "WM_SAN_BILO20181003_C4_S2": {
                "v": "8.0"
            },
            "WM_SAN_BILO20181003_C4_S3": {
                "v": "13.3"
            },
            "WM_SAN_BILO20181003_C4_S4": {
                "v": "11.8"
            },
            "WM_SAN_BILO20181003_C4_S5": {
                "v": "8.0"
            },
            "WM_SAN_BILO20181003_C4_S6": {
                "v": "26.3"
            },
            "WM_SAN_BILO20181003_C4_S7": {
                "v": "33.1"
            },
            "WM_SAN_BILO20181003_C4_S8": {
                "v": "21.8"
            }
        },
        {
            "d": "2015-04-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "16.0"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "16.1"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "16.1"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.7"
            },
            "WM_SAN_BILO20181003_C4_S1": {
                "v": "20.7"
            },
            "WM_SAN_BILO20181003_C4_S2": {
                "v": "8.1"
            },
            "WM_SAN_BILO20181003_C4_S3": {
                "v": "15.3"
            },
            "WM_SAN_BILO20181003_C4_S4": {
                "v": "12.1"
            },
            "WM_SAN_BILO20181003_C4_S5": {
                "v": "9.5"
            },
            "WM_SAN_BILO20181003_C4_S6": {
                "v": "29.0"
            },
            "WM_SAN_BILO20181003_C4_S7": {
                "v": "34.5"
            },
            "WM_SAN_BILO20181003_C4_S8": {
                "v": "23.1"
            }
        },
        {
            "d": "2015-07-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "18.9"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "17.5"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "17.8"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.7"
            },
            "WM_SAN_BILO20181003_C4_S1": {
                "v": "20.4"
            },
            "WM_SAN_BILO20181003_C4_S2": {
                "v": "6.6"
            },
            "WM_SAN_BILO20181003_C4_S3": {
                "v": "18.4"
            },
            "WM_SAN_BILO20181003_C4_S4": {
                "v": "14.3"
            },
            "WM_SAN_BILO20181003_C4_S5": {
                "v": "10.5"
            },
            "WM_SAN_BILO20181003_C4_S6": {
                "v": "31.6"
            },
            "WM_SAN_BILO20181003_C4_S7": {
                "v": "37.9"
            },
            "WM_SAN_BILO20181003_C4_S8": {
                "v": "26.1"
            }
        },
        {
            "d": "2015-10-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "19.1"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "17.3"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "17.7"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.7"
            },
            "WM_SAN_BILO20181003_C4_S1": {
                "v": "19.0"
            },
            "WM_SAN_BILO20181003_C4_S2": {
                "v": "10.2"
            },
            "WM_SAN_BILO20181003_C4_S3": {
                "v": "16.1"
            },
            "WM_SAN_BILO20181003_C4_S4": {
                "v": "15.4"
            },
            "WM_SAN_BILO20181003_C4_S5": {
                "v": "9.6"
            },
            "WM_SAN_BILO20181003_C4_S6": {
                "v": "31.5"
            },
            "WM_SAN_BILO20181003_C4_S7": {
                "v": "37.4"
            },
            "WM_SAN_BILO20181003_C4_S8": {
                "v": "26.7"
            }
        },
        {
            "d": "2016-01-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "18.9"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "17.5"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "17.7"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.8"
            },
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}