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The Mortgage Market,
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Rate decisions, renewal strategy, and straight answers on what today's market means for your mortgage — written by a licensed Ontario mortgage agent, not a content farm.

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Rates & Market

Bank of Canada Holds at 2.25% Again (Sept 2): Why This Hold Feels Different — and What to Do Before October 28

The Bank held at 2.25% on September 2, but flagged rising inflation risks from oil prices and new US tariffs. Prime stays at 4.45%, bond yields are climbing, and fixed rates are drifting up. Here is what changed, what did not, and how Ontario borrowers should position before the October 28 decision.

September 3, 20269 min read

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Fresh From the Desk

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Rates & Market

Bank of Canada Holds at 2.25%: What It Actually Means for Your Mortgage This Fall

The policy rate is parked at 2.25%, prime sits at 4.45%, and 5-year fixed rates hover near 5.05%. Here is what a prolonged hold means for variable holders, fixed shoppers, and everyone renewing before year-end.

August 14, 20268 min read

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Couple reviewing mortgage renewal documents at their kitchen table in warm evening light

Renewals

The 2026 Renewal Wall: How to Renew Without the Payment Shock

Renewing Canadians are absorbing an average payment increase of $375 a month, and one in three has cut discretionary spending to cope. Here is the 120-day playbook I use to make sure my clients renew on their terms — not their bank’s.

August 14, 20269 min read

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Aerial view of a Greater Toronto Area residential neighbourhood at golden hour with the Toronto skyline on the horizon

Ontario Market

The Ontario Buyer’s Window Is Narrowing: A City-by-City Look at Where the Leverage Still Is

GTA listings just dropped 17.8% year-over-year and the market is tilting back toward balance. From Mississauga at $899K and Brampton at $885K to London’s best-in-the-south affordability, here is where Ontario buyers still hold the cards — and where the window is closing.

August 14, 202610 min read

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Young couple receiving the keys to their first new-build home in Ontario at golden hour

First-Time Buyers

Up to $130,000 Back: The 2026 First-Time Buyer Incentive Stack Every Ontario Buyer Should Know

A first-time buyer purchasing a new build in Ontario can now stack up to $130,000 in GST and HST rebates with a 30-year amortization and a $1.5M insured mortgage cap. Here is how the full 2026 incentive stack works — and how buyers in Brampton, Milton and Barrie are using it.

August 14, 20269 min read

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New market breakdowns, rate decision reactions, and Ontario city deep-dives are published regularly. Have a topic you want covered?

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Written by

Rajesh Chandrasekaran

Mortgage Agent Level 1 · Licence #M26000775

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Bank of Canada Holds at 2.25% Again (Sept 2): Why This Hold Feels Different — and What to Do Before October 28

Fresh From the Desk

Bank of Canada Holds at 2.25%: What It Actually Means for Your Mortgage This Fall

The 2026 Renewal Wall: How to Renew Without the Payment Shock

The Ontario Buyer’s Window Is Narrowing: A City-by-City Look at Where the Leverage Still Is

Up to $130,000 Back: The 2026 First-Time Buyer Incentive Stack Every Ontario Buyer Should Know

The Next Analysis Is Being Written

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