1 Conference of State Bank Supervisors, 2020 CSBS National Survey of Community Banks (PDF), 2020  Research and Policy Conference. Return to text  4/4  BIS central bankers' speeches
Fewer of these mortgages are being issued, particularly among highly indebted households. However, we have become increasingly concerned about low-ratio mortgages—those where the down payment is more than 20 per cent of the value of the home. We are continuing to see an increase in new low-ratio mortgages that have riskier characteristics.