A report from RBC says that household debt grew by 4.6 per cent in January, the fastest growth in 2 years. Total debt is now $1.82 trillion with $80 billion added in the last year, especially in the last three months. New residential mortgages make up a substantial part of the rise with 5.4 per cent more home loan debt in January this year compared to a year earlier. Mortgages now total $1.3 trillion. Non-bank lenders accounted for a fifth of mortgages with 6.3 per cent outstanding; 4.3 per cent of bank-loaned mortgages were outstanding. Other types of consumer debt declined.