Mortgage News

From Bank of Canada rate cuts to U.S. trade tensions, multiple forces are shaping Canada’s mortgage market. Bond yields, buyer mix, and lender underwriting all add layers of uncertainty.

Canada’s PBO says home affordability is improving in 2025 thanks to easing mortgage debt ratios. But stark differences remain: Halifax struggles with a 74% gap while Edmonton buyers see just…

Bank of Canada debates excluding mortgage interest from CPI. Policy shift could speed up rate cuts and reshape housing finance outlook.

U.S.–Canada tariff dispute prompts lenders to tighten risk checks. Mortgage brokers focus on client support amid uncertainty.

Toronto’s housing market posted its busiest month since January with 5,765 sales in Sept 2025. Prices, however, slipped again to C$971,500.

On Oct 5, Canadian mortgage rates stayed stable with 5-yr fixed at 4.68% and variable at 4.42%. Here’s what it means for renewals and buyers.

Canada’s population growth is slowing, and the median age is rising past 42. Experts warn this may dampen long-term housing demand and reshape mortgage strategies.

As 1.2M Canadian mortgages renew in 2025, many fixed-rate borrowers face 15–20% higher payments. Variable holders may get relief, but affordability stress remains high.

The Bank of Canada cautions that investors are over-relying on CPI-trim and CPI-median inflation measures, suggesting it may drop the “preferred” label.

The Bank of Canada is weighing whether to remove mortgage interest costs from its core inflation measures, a move that could reshape how inflation — and rate policy — is…

On October 1, 2025, Canadian borrowers faced 3-year variable mortgage averages of 5.25% and 5-year terms near 4.42%. The unusual gap reflects market expectations of further Bank of Canada cuts….

On October 1, 2025, Canada’s 5-year fixed mortgage rate averaged 4.68%, largely reflecting moves in Government of Canada bond yields. With the Bank of Canada’s recent rate cut and weaker…

Canadian homebuyers can now access 5-year variable mortgage rates as low as 3.6% on September 30, 2025, as policy easing filters into lender offers.

Canadian mortgage rates showed stability on September 30, 2025, with fixed terms flat at 4.73% and 4.68%, while variable products nudged higher amid funding cost pressures.

Ottawa’s new “Build Canada Homes” agency aims to tackle housing affordability, but the Fraser Institute warns it may repeat past mistakes and distort markets. Experts urge reforms in land supply…

Toronto’s housing market is lagging behind other Canadian regions despite lower mortgage rates. Ongoing condo oversupply, affordability challenges, and buyer hesitation continue to weigh on the GTA.

The Bank of Canada’s latest rate cut offers relief to variable-rate borrowers, but fixed-rate mortgages remain sticky and housing activity shows only modest gains.

CIBC and the Bank of Canada warn that Canada’s mortgage market recovery will be gradual, with trade disputes and policy uncertainty weighing on housing demand.