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Bank of Canada Policy Interest Rate Schedule (Updated 2025)
Table of Contents Current Policy Interest Rate: 2.75% (as of May 23, 2025) Whether you’re a homeowner, prospective buyer, or investor in Canadian real estate, the Bank of Canada’s policy interest rate matters more than you might think. Every time…
Bank of Canada Says More Easing Ahead
Table of Contents Following October’s highly anticipated interest rate cut, the Bank of Canada released its latest Monetary Policy Report (MPR), detailing the economic reasoning behind a 50-basis point reduction in the policy rate. This move lowers Canada’s prime rate…
Canada’s Growing Wealth Divide: Why Homeowners Have 30 Times Net Worth of Renters
Table of Contents In today’s Canada, the line between financial security and struggle often comes down to one thing: homeownership. According to the latest Statistics Canada Survey of Financial Security, the difference in net worth between homeowners and renters isn’t…
Canadian and US Dollar and Policy Rate Divergence Accelerate Mortgage Market Downside Risks
Table of Contents Bank of Canada’s Rate Cut vs. Federal Reserve’s Hold The Bank of Canada (BoC) recently cut its policy rate to 3.00%—the sixth reduction in a row—as it tries to support a slowing economy. Alongside that, the BoC…
Canadian Fixed Mortgage Rates Hijacked By US CPI Inflation
Us Cpi Canadian Mortgages ME PLUS Canadian Fixed Mortgage Rates Hijacked By US CPI Inflation Category: Market InsightsSEO Tags: Canadian mortgage rates, US CPI inflation, fixed vs variable mortgages, Bank of Canada interest rate, bond yields Canada, 5-year mortgage rates Canadian Fixed…
Canadian Fixed Mortgage Rates Hijacked By US CPI Inflation
Table of Contents US Inflation and Its Ripple Effect in Canada In March 2024, US inflation came in hotter than expected at 3.5%, surprising markets and dashing hopes for imminent rate relief on both sides of the border. This 0.3%…
Canadian Mortgage Rates Bracing for a Gentle Descent Amidst US Market Sway
Table of Contents Inflation Cools, but Shelter Costs Linger Canada’s inflation dropped to 2.5% in July, the lowest rate since March 2021. While this is welcome news, the Bank of Canada (BoC) still faces complications in its rate decisions due…
Canadian Mortgage Rates Jumped This Week, Pushed Up by US Yields
Table of Contents Why Canadian Mortgage Rates Jumped This Week Canadian mortgage rates saw a noticeable uptick this week, mainly due to rising US bond yields. Even with the US Federal Reserve holding its policy rate at a 16-year high,…
Declining Home Prices Pose Risk to Canada’s Financial System
Table of Contents What OSFI’s Latest Warning Means for Canada’s Housing Market On April 18, 2023, Canada’s top financial watchdog, the Office of the Superintendent of Financial Institutions (OSFI), released its second Annual Risk Outlook. The report raised concerns about…
Why Owning a Home Became Even Harder in October
If you thought a cooling housing market would finally make homes more affordable—think again. Despite lower sales activity, softening demand, and even a few dips in fixed mortgage rates, owning a home in Canada became harder for the average Canadian…