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.
Variable Mortgage Snapshot: 3-Year ~5.25%, 5-Year ~4.42%
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. We explain why the 5-year is cheaper, what it means for renewals, and the risks ahead.
Fixed Mortgage Rates: Why They Move With Bond Yields
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 economic data pulling yields lower, fixed mortgage pricing could ease further—but spreads and lender timing mean borrowers should watch closely as they plan renewals.
Canadian Mortgage & Housing Market Reacts Cautiously to Rate Cuts
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.
Canadian Housing Outlook: Sluggish Economy and Caution on Rate Cuts
Oxford Economics sees sluggish growth and falling home prices into 2026, while BMO warns fast rate cuts may reignite a housing bubble.
OSFI Urges Banks to Take “Smart” Risks to Rebalance Portfolios
OSFI urges big banks to rebalance away from mortgages, eyeing up to $1T in business lending. What it could mean for rates, renewals, and approvals.
Canada Launches Public Consultations on USMCA Ahead of 2026 Review
Ottawa has launched public consultations on the 2026 USMCA review. Explore what this means for trade, jobs, inflation, and how it could affect mortgage rates and housing in Canada.
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