Category: Uncategorized

Canada’s mortgage debt reached about $2.4 trillion, equal to roughly 73% of GDP and about 74% of total household debt. Higher credit reliance appears about two years before default, as households increasingly depend on credit cards and lines of credit. Delinquencies on other credit products rise earlier, especially credit cards, auto loans, and home equity…

Core inflation is easing, with underlying price pressures moderating and reducing the urgency for further monetary tightening. Economic growth has stabilized after earlier weakness, while the labor market remains steady enough to support a policy pause. The Bank of Canada is widely expected to hold its policy rate steady through most of 2026 unless conditions…

Home buyers finally get certainty: rates likely won’t swing wildly now. Stable rates mean no surprise hikes, letting buyers plan confidently for 2026. Canada’s housing market won’t explode in 2026, growth barely nudging 1.5% nationwide. If BoC surprises, cuts are likelier than rate hikes.

Canadian mortgage rates are expected to ease modestly in 2026, but remain well above pre-pandemic lows, limiting a sharp rebound in demand. With the Bank of Canada likely near the end of its easing cycle, rate certainty may encourage sidelined buyers to re-enter the market gradually. Affordability should improve slightly as income growth and softer…

Buyer confidence is gradually improving as Canadians anticipate a steadier, more predictable housing environment heading into 2026. First-time buyers are set to play a major role next year, encouraged by easing conditions and a more positive economic outlook. A modest 0.5%–1% rate drop early in 2026 could quickly unlock pent-up demand as buyers watch the…