Highly indebted borrowers across all major cities have been affected, with the strongest impact in Toronto and surrounding areas https://www.bankofcanada.ca/?p=201652 Calgary Share of new mortgages with loan-to-income ratio over 450 per cent; Calgary Halifax Share of new mortgages with loan-to-income ratio over 450 per cent; Halifax Hamilton Share of new mortgages with loan-to-income ratio over 450 per cent; Hamilton Montréal Share of new mortgages with loan-to-income ratio over 450 per cent; Montréal Ottawa – Gatineau Share of new mortgages with loan-to-income ratio over 450 per cent; Ottawa – Gatineau Toronto Share of new mortgages with loan-to-income ratio over 450 per cent; Toronto Vancouver Share of new mortgages with loan-to-income ratio over 450 per cent; Vancouver Victoria Share of new mortgages with loan-to-income ratio over 450 per cent; Victoria 13.93.69.311.68.521.630.422.7 16.66.210.411.77.024.031.218.1 17.26.212.712.77.827.031.719.7 17.36.911.413.29.126.432.621.2 17.58.013.311.88.026.333.121.8 20.78.115.312.19.529.034.523.1 20.46.618.414.310.531.637.926.1 19.010.216.115.49.631.537.426.7 19.15.016.013.610.631.535.524.5 20.26.016.312.09.932.735.824.0 21.17.020.212.79.535.038.026.7 20.98.319.714.29.434.335.527.0 20.57.521.512.511.032.537.328.4 20.69.722.311.510.834.439.729.8 20.77.023.812.910.338.542.628.9 18.98.324.213.210.834.440.830.9 18.07.818.811.49.433.140.828.0 13.56.116.28.77.527.838.025.0