Mortgage
How Bank of Canada Rate Decisions Affect Canadian Mortgage Rates
Understand the direct link between the Bank of Canada's policy rate and your mortgage rate, and learn which mortgage type responds faster to central bank decisions.
Rates
Articles about rates under Mortgage.
Mortgage
Fixed vs Variable Rate Mortgage in Canada: Which Is Right for You
Compare fixed-rate and variable-rate mortgages to find the best fit for your financial goals, risk tolerance, and market outlook in Canada.
Mortgage
Fixed Versus Variable Rate Mortgages in Canada: Which Is Right for You
Understand the key differences between fixed-rate and variable-rate mortgages in Canada and learn which option aligns with your financial goals and risk tolerance.
Mortgage
5-Year Fixed Versus Variable Mortgages in Canada: Using a Comparison Calculator
Compare 5-year fixed and variable mortgage rates in Canada with an interactive calculator to see which option aligns with your risk tolerance and financial goals.
Mortgage
How to Compare Two Mortgage Offers Side by Side in Canada
Learn how to evaluate two Canadian mortgage offers side by side to find the lowest total cost over your mortgage term.
Mortgage
Fixed vs Variable Mortgage Rate: Which Should You Choose in Canada Right Now?
In July 2026, Canadian homeowners face a critical choice between fixed and variable mortgage rates as economic conditions shift. Here are the key factors to help you decide which rate type fits your financial situation and risk tolerance.
Mortgage
How the Bank of Canada Rate Decisions Affect Canadian Mortgage Rates
The Bank of Canada's policy rate directly influences variable mortgage rates and indirectly shapes fixed rates through bond markets, impacting renewal and refinancing costs across Canada.
Mortgage
Fixed vs Variable Rate Mortgages in Canada: Which Is Right for You?
Compare fixed and variable rate mortgages to understand which rate structure fits your financial situation, risk tolerance, and timeline in the Canadian market.
Mortgage
How Bank of Canada Rate Decisions Affect Mortgage Rates in Canada
Learn how Bank of Canada policy rate changes directly influence variable-rate mortgages and indirectly shape fixed-rate pricing across Canadian lenders.
Mortgage
Big Six Banks Cut Prime Rate by 25 Basis Points in Canada Following Bank of Canada Move
Canada's major banks reduced their prime lending rates to 5.70% after the Bank of Canada lowered its policy rate, affecting variable-rate mortgages and home equity lines of credit.
Mortgage
What a Bank of Canada Rate Hold Means for Buyers, Sellers and Mortgages in Canada
A Bank of Canada rate hold keeps the policy interest rate unchanged, stabilizing borrowing costs but offering no relief for those waiting for rate cuts to boost affordability or refinancing opportunities.
Mortgage
Why Fixed-Rate Mortgages Don't Mirror the Bank of Canada's Interest Rate in Canada
Fixed-rate mortgages are tied to bond yields, not the Bank of Canada's policy rate, which is why they don't move in lockstep with rate announcements.
Mortgage
Why the Bank of Canada's Interest Rate Cut Is No Silver Bullet for Mortgages in Canada
A Bank of Canada rate cut offers relief, but mortgage term structure, the stress test, and housing supply mean borrowers won't see instant savings.
Mortgage
How the Bank of Canada Interest Rate Shapes Your Mortgage in Canada
Understand how the Bank of Canada policy interest rate decisions directly influence your fixed or variable mortgage payments, the OSFI stress test, and your next renewal.
Mortgage
Buy or Wait After the June Rate Call in Canada?
The Bank of Canada held its policy rate in June 2026, but that does not make buying automatically better than waiting. The right move depends on your payment comfort, local market conditions, and whether a rate hold protects you while you shop.
Mortgage
What BMO's Mortgage Stress Test Warning Means in Canada
A Bank of Canada rate hike can leave some mortgage borrowers looking less qualified than they did when they first took out their loan. Here is what that means for renewals, refinancing, and switching lenders in Canada.
Mortgage
Bank of Canada June 2026 Rate Decision: Summer Outlook for Canadian Homeowners
The Bank of Canada's June 2026 policy rate decision and what it means for your mortgage payments, renewals, and home financing plans this summer.
Mortgage
Mortgage and Refinance Interest Rates Today in Canada: Will Rates Rise or Fall This Week?
Current mortgage rate ranges as of Monday, June 1, 2026, and the short-term outlook for fixed and variable rates across Canada.
Mortgage
Mortgage Interest Rates in Canada Today, June 24, 2026: Rates Continue Downward
Canadian mortgage rates dropped again today, with five-year fixed rates now averaging 4.39% and variable rates at 5.15%. Find out what today's rate changes mean for your mortgage decisions.
Mortgage
Mortgage and Refinance Interest Rates in Canada: June 2026 Update
Canadian mortgage rates show mixed movement in mid-June 2026, with fixed rates holding steady while variable rates edge up slightly.
Mortgage
Mortgage and Refinance Interest Rates in Canada Today, June 23, 2026: Rates Reverse Course and Rise
Canadian mortgage rates climbed this week after three months of decline, with fixed rates rising 15 to 25 basis points across major lenders.
Mortgage
Mortgage and Refinance Interest Rates in Canada Today: Rates Higher Compared to Last Week
Canadian mortgage rates rose this week across fixed and variable products. See today's rates and what the increase means for buyers and those looking to refinance.
Mortgage
Mortgage Rates in Canada Drop as Global Tensions Ease: June 2026 Update
Canadian mortgage rates declined this week following geopolitical developments that eased inflation concerns and pushed bond yields lower.
Mortgage
Bank of Canada Holds Interest Rates Steady: Impact on the Canadian Housing Market
When the Bank of Canada holds its policy rate, the immediate effect on housing and mortgages depends on your mortgage type and renewal timeline.
Mortgage
What a Bank of Canada Rate Pause May Mean for Mortgage Rates in Canada
When the Bank of Canada pauses its policy interest rate, the impact on Canadian mortgage rates depends on whether you have a variable or fixed-rate mortgage, and whether you are renewing, refinancing, or buying.
Mortgage
Fixed vs Variable Mortgage Rates in Canada: Which Is Right for You?
Compare fixed-rate and variable-rate mortgages in Canada to understand how each works, their advantages and risks, and which option fits your financial goals and risk tolerance.
Mortgage
Mortgage and Refinance Interest Rates Today, Sunday, May 31, 2026: Fixed Rates Edge Lower, Variable Rates Remain Volatile
Fixed mortgage rates declined slightly while variable rates continue to fluctuate as the Bank of Canada maintains its current monetary policy stance.
Mortgage
Fixed vs Variable Rate Mortgage in Canada: How to Make the Right Choice
Learn how to choose between a fixed-rate and variable-rate mortgage in Canada by understanding rate structures, assessing your risk tolerance, and evaluating your financial goals.
