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Category: Market Commentary (21 posts)
Fixed and Variable Rate Options Continue To Battle It Out As Market Forces Shift.
August 5, 2025 | Posted by: Matt Broom-Hall
After weeks of subtle signals and slowdowns, something finally gave—at least in the bond market. While the Bank of Canada (BoC) stayed firm on its overnight rate last week, deeper shifts sug ...
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Steady Rates, But Storm Clouds Are Gathering
July 28, 2025 | Posted by: Matt Broom-Hall
As we move into August, the Bank of Canada is set to make another rate announcement—and while no immediate changes are expected, there’s a growing sense that something’s got to g ...
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Inflation’s Not Cooling Yet —But Should You Sweat It?
July 22, 2025 | Posted by: Matt Broom-Hall
It’s late July, and while summer weather may be mellow, the mortgage market is heating up—just not in the way buyers or homeowners were hoping. New inflation data has onc ...
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Mortgage Rate Pressure Is Back—Here's How to Stay Ahead
July 14, 2025 | Posted by: Matt Broom-Hall
Canada’s Fixed Rates Are Climbing—Here’s What It Means for You. After months of mortgage rate 'will-they-won’t-they,' we finally saw movement last week—and not the k ...
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Why the U.S. Is Holding Back Canadian Mortgage Relief
July 7, 2025 | Posted by: Matt Broom-Hall
As we settle into July, you might be wondering why we haven’t seen more movement from the Bank of Canada on interest rates—especially with inflation easing on home turf. Well, like many th ...
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BoC Rate Cuts Ahead? What Canada’s Cooling Inflation Tells Us
June 30, 2025 | Posted by: Matt Broom-Hall
As summer heats up, the Canadian mortgage market is moving into a quieter—but no less strategic—phase. With Canada grooving into another hot July (and Happy Canada Day to you!), the attent ...
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Why Now Could Be the Sweet Spot for 5-Year Fixed Mortgages
June 23, 2025 | Posted by: Matt Broom-Hall
Now’s the Time to Pay Attention to Fixed vs. VariableAs we head into the last stretch of June, all eyes are on tomorrow’s inflation data—and for good reason. It could be the tipping ...
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The Rate Drop That Might Not Come: Why Fixed Rates May Hold Their Ground
June 16, 2025 | Posted by: Matt Broom-Hall
It’s easy to believe that mortgage rates are on the way down. After all, inflation is easing, the economy is cooling, and there’s growing talk of future Bank of Canada cuts. But before you ...
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Did the Bank of Canada Just Miss Its Moment?
June 9, 2025 | Posted by: Matt Broom-Hall
Let’s Talk: Did the Bank Just Blink?The latest move—or more accurately, non-move—from the Bank of Canada has raised more than a few eyebrows this week.While economists and markets wi ...
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Bank of Canada reduces policy rate by 25 basis points to 3%, announces end of quantitative tightening
January 29, 2025 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 3%, with the Bank Rate at 3.25% and the deposit rate at 2.95%. The Bank is also announcing its plan to complete the normalization ...
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Market Commentary – What December’s Numbers Mean for 2025
January 5, 2025 | Posted by: Matt Broom-Hall
Market Commentary – What December’s Numbers Mean for 2025 Happy New Year, everyone! 2025 has arrived, and with it comes a fresh wave of optimism for the real estate market. I’m back ...
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Government announces boldest mortgage reforms in decades to unlock homeownership for more Canadians
December 16, 2024 | Posted by: Matt Broom-Hall
Canadians work hard to be able to afford a home. However, the high cost of mortgage payments is a barrier to homeownership, especially for Millennials and Gen Z. To help more Canadians, particularly y ...
read moreDec 11-2024 - Bank of Canada reduces policy rate by 50 basis points to 3.25%
December 1, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 3¼%, with the Bank Rate at 3¾% and the deposit rate at 3¼%. The Bank is continuing its policy of balance shee ...
read moreOctober 23-2024: Bank of Canada reduces policy rate by 50 basis points to 3.75%
October 23, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 3¾%, with the Bank Rate at 4% and the deposit rate at 3¾%. The Bank is continuing its policy of balance sheet normal ...
read moreSept 4th, 2024 - Bank of Canada reduces policy rate by 25 basis points to 4.25%
September 4, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 4¼%, with the Bank Rate at 4½% and the deposit rate at 4¼%. The Bank is continuing its policy of balance shee ...
read moreJuly 7, 2024 - Bank of Canada reduces policy rate by 25 basis points to 4.5%
July 5, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 4½%, with the Bank Rate at 4¾% and the deposit rate at 4½%. The Bank is continuing its policy of balance shee ...
read moreJune 5 - 2024 - Bank of Canada reduces policy rate by 25 basis points
June 5, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 4¾%, with the Bank Rate at 5% and the deposit rate at 4¾%. The Bank is continuing its policy of balance sheet normal ...
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April 10-2024 - Bank of Canada maintains policy rate, continues quantitative tightening
April 10, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5¼% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. The B ...
read moreBank of Canada maintains policy rate, continues quantitative tightening
March 6, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5.25% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. Global eco ...
read moreBank of Canada maintains policy rate, continues quantitative tightening
January 24, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5.25% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. Global eco ...
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Canada's New Updated Mortgage Charter
November 23, 2023 | Posted by: Matt Broom-Hall
The Canadian Mortgage Charter spells out the rights consumers have when they are renegotiating mortgages. It calls on financial institutions to provide better relief measures over the next three years ...
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