This is bonkers. Overpaying the heck out of ours at 1.99% - might be the only chance we get to build equity in fiat-land.

https://unusualwhales.com/news/20-of-residential-mortgage-borrowers-representing-130-billion-in-loans-at-three-major-banks-bmo-td-cibc-in-canada-are-seeing-their-balances-grow-as-monthly-payments-no-longer-cover-all-