Rate Cuts, Trade Risks and Buyer Shifts: What’s Driving Canada’s Mortgage Market
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.
Canadian Home Affordability Shows Progress, But Regional Gaps Persist
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 4%. Location continues to define how affordable mortgages feel.
Bank of Canada Rethinks How Mortgage Costs Feed Into Inflation
Bank of Canada debates excluding mortgage interest from CPI. Policy shift could speed up rate cuts and reshape housing finance outlook.
U.S.–Canada Trade War Ripples into Mortgage Market as Lenders Tighten Risk Lens
U.S.–Canada tariff dispute prompts lenders to tighten risk checks. Mortgage brokers focus on client support amid uncertainty.
Toronto Home Sales Hit 8-Month High in September, But Prices Continue to Slip
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.
Canadian Mortgage Rates: Fixed vs Variable Trends
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 Aging Population May Slow Mortgage Demand Growth
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.
Canada Mortgage Renewals 2025: 1.2M Borrowers Face Higher Payment
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.
Bank of Canada Warns on Overuse of “Preferred” Core Inflation Gauges
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.
Bank of Canada Weighs Removing Mortgage Costs from Core Inflation Measures
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 interpreted.
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