2026 Housing Collapse? BMO Sounds The Alarm

2026 Housing Collapse? BMO Sounds the Alarm

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One of Canada’s biggest banks is quietly preparing for something most homeowners aren’t ready for.

This warning isn’t coming from headlines or media panic.
It’s coming from inside the banks themselves.

BMO’s internal risk data is flashing red as mortgage delinquencies rise in Ontario’s suburbs — and they’re bracing for a wave of forced selling in 2026. Not a slowdown. Not a dip. Forced sales that reset prices street by street.

And it’s not just BMO.

CIBC, TD, and RBC have all pulled back and set aside hundreds of millions in loss reserves — preparing for more defaults from borrowers who still look “safe” on paper.

In this video, I break down:

The hidden signals banks are using to quietly prepare for forced sales — and why they’re already flashing red in places like Hamilton, Durham, Peel, and Niagara.

The one type of sale that nukes property values for an entire street, including a real Brampton example where over $134,000 in equity vanished — without a single missed payment.

The two mistakes that wipe out seller leverage before you ever hit the market — and how to avoid them before your renewal letter shows up.

This isn’t speculation.
This is how housing downturns actually unfold.

Banks move first.
Credit tightens.
Buyers disappear.
Listings pile up.
Prices reset.

If you’re a homeowner in Hamilton, Ancaster, Dundas, Stoney Creek, Burlington, or the surrounding Golden Horseshoe, and you’re even thinking about selling in the next 12–24 months, this is information you cannot afford to ignore.

📘 Free Seller Guide:
I’ve put together a free guide outlining the exact steps Hamilton sellers are using right now to protect their equity in a market banks are already calling a bear.
Download it here 👉 [Link in description]

📊 Want a street-by-street breakdown?
If you want to see how this applies to your exact neighborhood, renewal date, and numbers, reach out. No pressure. No gimmicks. Just real data and clear options.

Because in a market like this, you don’t get rewarded for waiting and hoping.
You get rewarded for being early — and understanding the game the banks are already playing.

Watch closely.
Watch again if you need to.
And make sure your next move is based on what the banks are actually seeing — not last year’s headlines.

00:00 A Major Bank Issues a Serious Warning
01:34 Why Banks Act Before the Headlines
03:12 What’s Really Driving Today’s Housing Risk
05:06 A Real Sale That Changed Everything
07:04 How One Sale Impacts an Entire Street
09:02 Common Mistakes Sellers Make in Down Markets
11:18 What Homeowners Should Be Thinking About Now