How Homeowners Are Tackling Surging Mortgage Rates in Canada

Homeowners with variable-rate loans at some of Canada’s major lenders are seeking ways to navigate much higher borrowing costs. 

Homes in Georgetown, Ontario.Photographer: Della Rollins/Bloomberg/Bloomberg
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Canadian homeowners are finding ways to delay the pain from one of the fastest increases in interest rates in decades, with both their lenders and the government signaling a willingness to keep those options open.

Some consumers with variable-rate mortgages at Canada’s biggest banks are tacking unpaid interest onto their mortgage’s principal instead of paying the full amount each month. Others are paying interest only.