Mortgage Blog

Should Canadian Homebuyers Purchase Now or Wait for More Housing Supply?

Canadian homebuyers are hearing two different messages. One suggests that more homes are being built and buyers should wait for additional supply. The other warns that sl ...

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• Jul 24, 2026

July 15-2026 - Bank of Canada maintains the policy rate at 2.25%

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. Canada's economy is sho ...

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• Jul 15, 2026

2026 First-Time Buyer Mortgage Rules, What Lower Payments Could Really Mean

Buying a first home in Canada is still a major financial decision. Higher home prices, mortgage qualification rules, down payment requirements, closing costs, and day-to- ...

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• Jul 7, 2026

Renewing Soon? Why Sticky Inflation Could Affect Your Mortgage Strategy This Summer

If your mortgage is coming up for renewal this year, you may be watching interest rate news more closely than usual. That makes sense. A renewal is not just paperwork ...

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• Jun 22, 2026
• CENTUM® Canada

June 10, 2026 - Bank of Canada maintains the policy rate at 2.25%

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The conflict in the Mid ...

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• Jun 10, 2026

First-Time Buyer GST/HST Rebate, What It Means for New Home Affordability in Canada

Buying a first home in Canada has not been easy. Between higher home prices, changing mortgage rates, stricter qualification standards, and the rising cost of everyday li ...

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• Jun 4, 2026

Buying a Home in 2026? Why More Housing Starts May Not Mean More Choices

More homes being built in Canada should be encouraging news for homebuyers. More supply can support a healthier housing market over time and may gradually create more ...

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• May 28, 2026
• CENTUM® Canada

Mortgage Renewal in 2026: Fixed or Variable?

If your mortgage is coming up for renewal in 2026, you are probably asking one very practical question: should I choose a fixed rate or a variable rate? It is a fa ...

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• May 11, 2026
• CENTUM® Canada

April 29 - 2026 - Bank of Canada maintains policy rate at 2.25%

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The evolving conflict in the Middle ...

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• Apr 29, 2026

5 Most Important Issues That Can Delay a Mortgage Closing in Canada

Many Canadian homebuyers feel a sense of relief once they hear the words, "you are approved." That relief makes sense, but it can also create a false impression that th ...

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• Apr 15, 2026

Why Buying Still Feels Hard in 2026, Even as More Homes Are Being Built

If you have been watching the headlines in 2026, you may be wondering why buying a home in Canada still feels so difficult. On the surface, some of the data sounds encour ...

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• Apr 7, 2026

Newly Passed Bill C-4, What It Means for Canadian Mortgages

Newly Passed Bill C-4, What It Means for Canadian Mortgages If you are buying your first home, renewing a mortgage, or thinking about refinancing, newly passed Bill C- ...

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• Mar 20, 2026

March 18-2026 - Bank of Canada maintains policy rate at 2.25%

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The war in the Middle Eas ...

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• Mar 18, 2026
• CENTUM® Canada

Affordability challenges spread across Canadian cities

A new report from CMHC highlights something many Canadians are already feeling firsthand. Housing affordability challenges are no longer just a Toronto and Vancouver st ...

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• Mar 9, 2026
• CENTUM® Canada

Spring 2026 Home Buying Canada, Listings vs Affordability

Spring 2026 Home Buying in Canada, Why More Listings Still Do Not Automatically Mean Affordable Payments If you are shopping for a home this spring, you may be hearing ...

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• Feb 24, 2026

Canada's Rental Market Overview for 2025 and going into 2026

Canada's rental market finally showed signs of breathing room in 2025. After several years of ultra-tight conditions, CMHC reports that vacancy rates rose across all majo ...

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• Feb 10, 2026

Jan 28-2026-Bank of Canada maintains policy rate at 2.25%

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The outlook for the glo ...

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• Jan 28, 2026

Insured Mortgage Rules and Affordability in 2026: A Practical Guide for Canadian Homebuyers

If you are trying to buy a home in Canada right now, you have probably felt the disconnect. Rates are lower than they were at the peak, but affordability still fee ...

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• Jan 25, 2026
• CENTUM® Canada

Why Inflation Is Cooling but Homeownership Still Feels Expensive in Canada

If you have been watching the news, you have likely heard that inflation in Canada is coming down. That sounds like good news, especially for homeowners and buyers who ha ...

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• Jan 13, 2026
• CENTUM® Canada

Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada

Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada Many Canadians were hopeful that easing inflation and early interest rate relie ...

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• Dec 23, 2025