Fixed rates follow bond yields, variable rates follow prime. Learn how to choose the right mortgage for your life, cash flow, and investment strategy.

The Bank of Canada pauses rate hikes but signals uncertainty ahead, leaving borrowers and investors navigating a volatile and unpredictable economic landscape.

On December 10, 2025, the Bank of Canada held its policy rate steady at 2.25%, citing strong economic growth, stabilizing inflation, and a neutral policy stance amid trade uncertainty.

The Bank of Canada’s overnight rate drop signals slower growth and a “lower-for-longer” outlook that reshapes strategies for investors and homeowners.

Canada’s inflation rate held at 1.7% in May, but core prices like rent and groceries remain high, keeping pressure on households and rate policy.

The Bank of Canada’s 0.25% rate cut on March 12, 2025, is set to shake up the Fraser Valley’s housing market. Lower mortgage rates could drive demand, increase prices, and spark competition.