Housing investors tend to be older, earn more income and be more indebted https://www.bankofcanada.ca/?p=224546 Loan-to-income ratio (latest mortgage only) First-time homebuyers Repeat homebuyers Investors 0 100.040.050.08 200.090.110.28 300.160.250.61 400.270.421.01 500.350.571.42 600.470.731.74 700.580.882.09 800.651.022.34 900.751.132.52 1000.871.272.76 1100.921.402.88 1201.041.503.04 1301.141.603.05 1401.211.763.15 1501.291.843.16 1601.401.963.19 1701.492.073.08 1801.562.193.06 1901.652.283.03 2001.762.382.96 2101.862.482.87 2201.952.492.90 2302.032.632.81 2402.172.722.74 2502.272.722.63 2602.312.752.56 2702.422.732.40 2802.502.772.32 2902.542.692.29 3002.652.722.13 3102.682.661.99 3202.732.651.92 3302.742.541.83 3402.802.501.73 3502.802.451.61 3602.812.391.52 3702.832.391.46 3802.812.261.39 3902.752.201.33 4002.772.121.24 4102.692.021.15 4202.662.001.08 4302.621.861.03 4402.551.780.98 4502.431.680.95 4602.331.630.84 4702.211.520.81 4802.071.430.72 4901.851.290.69 5001.681.240.64 5101.411.100.59 5201.251.010.50 5301.120.900.48 5401.010.830.45 5500.890.740.42 5600.790.680.35 5700.700.590.34 5800.620.530.28 5900.550.470.27 6000.480.430.26