Reuters/Reuters PhotographerVancouver real estate may be showing signs of exhaustion. According to the Bank of Canada (BoC) and the Ministry of Finance (MoF), the quality of mortgages are showing increasing signs of quality deterioration. Over the past year this trend has accelerated, leaving more homeowners vulnerable to financial ruins in the event of a minor correction. A Dangerous Combination For Mortgages High-ratio mortgages combined with high loan-to-income ratios are a dangerous combination for homeowners.