How the constraints on Canadian consumers should loosen in ‘27,’ and was co-written by senior economists Andrew Grantham and Judge. Get daily National news Get daily Canada news delivered to your inbox so you'll never miss the day's top stories. While admittedly not guaranteed, the tightest restraint from high gasoline prices may have passed,” the CIBC report said. MortgagesIn its report, mortgages are also a key area CIBC focuses on when it comes to consumers struggling to make ends meet. “There is a little uncertainty still regarding those on variable rate mortgages, which have become more common again in recent quarters due to elevated fixed rates.