Murray Mortgages

Murray Mortgages Scott Murray
Mortgage Agent level1
Capital Home Lending
Brokerage License #12347

02/11/2026

📉 Home prices are softening across many Canadian cities — and buyers are starting to gain more power in the market.

🍁A new RBC report shows the gap between supply and demand widened in January. More homes are hitting the market, but many buyers are staying cautious. Winter storms, higher costs, and uncertainty are all playing a role. Across much of the country, inventory is rising faster than demand. That’s giving buyers more choice and more negotiating power than we’ve seen in a while.

📢 If you’ve been waiting for the right time to explore your options, this shift could create opportunities. Every market and every borrower is different, so it’s important to have a plan.

➡️Curious how this affects your current mortgage strategy? Send me a message—happy to break it down for you!

➡️Like, share and follow this page for more mortgage tips and advice.

📣 **Bank of Canada Holds Rates Steady – What That Means for You** 🏦🇨🇦On **January 28, 2026**, the BOC announced it is ke...
01/29/2026

📣 **Bank of Canada Holds Rates Steady – What That Means for You** 🏦🇨🇦

On **January 28, 2026**, the BOC announced it is keeping its **policy interest rate at 2.25%** — no change from December. This was widely expected by markets and economists alike.

👉 **Why did they hold the rate?**
The Bank says the current rate is still *appropriate* for the economy right now. Inflation is around the target of **2%**, and economic growth is modest but steady. At the same time, the Bank highlighted **higher uncertainty** — especially from unpredictable foreign trade policies (like U.S. tariffs) and other global risks — making it harder to forecast exactly when rates should change next.

This means your **variable mortgage costs aren’t going up right now**, but they’re not going down either — at least for the moment. 🏡💡

📅 **Next Rate Decision:**
The next scheduled Bank of Canada meeting and rate announcement is on **Wednesday, March 18, 2026**.

📊 **What do experts expect next?**
Many economists believe the Bank will **keep rates steady through much of 2026** unless we see big changes in inflation, jobs, or global trade. Some think we *might* see a rate cut later in the year if the economic outlook weakens. Others are cautious — saying uncertainty could keep the Bank on hold.

➡️Curious how this affects your current mortgage strategy? Send me a message—happy to break it down for you!

➡️Like, share and follow this page for more mortgage tips and advice.

01/20/2026

📊 Inflation Update: No Rate Cut in Sight

Canada’s inflation jumped to 2.4% in December, mostly because the temporary GST break ended. Prices for groceries, rent, and dining out went up, but mortgage interest costs didn’t rise much.

The Bank of Canada is expected to keep rates steady next week (Jan 28), so homeowners and buyers can plan with some stability.

👉 What does this mean for you?
Every mortgage is different, and small changes in rates can have a BIG impact over time.

➡️Curious how this affects your current mortgage strategy? Send me a message—happy to break it down for you!

➡️Like, share and follow this page for more mortgage tips and advice.

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6 Thomasfield Drive
Guelph, ON
N1G4J3

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+15198300350

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