Mortgage Blog

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

Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals

Bank of Canada Rate Hold, What It Means for Mortgages Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals When the Bank of Canada announces a ra ...

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• Dec 15, 2025

Dec 10-2025 - 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%. Major economies around ...

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• Dec 10, 2025

Fall 2025 Canadian Mortgage Trends & Insights Report

Did You Know ? Did you know that despite encouraging signs of stabilization in the Canadian mortgage market this fall, the national household debt-to-income ratio remaine ...

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• Nov 21, 2025

Nov. 2025 - How the Bank of Canada Rate Cut Affects Your Refinancing Strategy

On October 29 2025, the Bank of Canada (BoC) reduced its target overnight rate by 25 basis points to 2.25 %. For Canadian homeowners who are thinking about refinancing th ...

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• Nov 10, 2025

Bank of Canada lowers policy rate to 2.25%

The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. With the effect ...

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• Oct 29, 2025

Canadian Home Sales Poised for a Strong Finish in 2025

The Canadian housing market is showing signs of renewed strength as we approach the end of 2025. According to the latest report from the Canadian Real Estate Association ...

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• Oct 20, 2025