RateStreet Financial

01/28/2026

Bank of Canada maintains policy rate at 2.25%. Upcoming announcement dates:

March 18
April 29
June 10

https://zurl.co/jmNTS

12/25/2025

Merry Christmas and Happy Holidays To All!

12/10/2025

As broadly anticipated, the Bank of Canada maintains policy rate at 2.25%

Next Bank of Canada meeting schedule:

January 28
March 18
April 29

https://zurl.co/LTW9U

09/05/2025

Employment declined by 66,000 jobs in August 2025, largely the result of a decline in part-time work. The unemployment rate rose to 7.1%.

Next Bank of Canada meeting, Sep. 17th. %⬇️



https://zurl.co/5UCy0

08/05/2025

2025 State of the Housing Market Report: Annual Consumer Survey

https://zurl.co/VntDW

08/02/2025

Canada & US market volatility charts this week

Banks and mortgage investors don't have a crystal ball, but they do like stability. News like 35% Tariffs, and massive (258K) job loss revisions likely lead to increased risk premiums on both sides of the border.

08/01/2025

Canada’s US Tariff’s increased to 35%

https://zurl.co/3Bbmf

Donald Trump on Thursday signed an executive order increasing tariffs on Canadian goods to 35 per cent from 25 per cent on all products not covered by the U.S.-Mexico-Canada trade agreement, the White House said.

07/30/2025

Bank of Canada holds policy rate at 2.75%

“If a weakening economy puts further downward pressure on inflation and the upward price pressures from the trade disruptions are contained, there may be a need for a reduction in the policy interest rate.”

https://zurl.co/DZvL6

07/29/2025

The Bank Of Canada is expected to stay put tomorrow, but perhaps what’s more interesting is the difference in predictions from the banks.

Desjardins expects no cut tomorrow, but 3 more cuts this year. BMO expects the BOC to get to the same 2.0% by July 2026, while RBC predicts no changes at all.

Notably, RBC also has the largest number of residential mortgages coming up for renewal in 2025/26. And based on their prediction, will most likely suggest fixed rates for their renewal clients. * If rates go down, clients with fixed rates may be faced with Interest Rate Differential (IRD) penalties if they want or need to refinance later. Statistically ~60% of all mortgagors will want or need to break their mortgage within the first 36 months, due to relocation, divorce, job change/loss, etc..

https://financialpost.com/news/economy/canadian-dollar-rise-tamed-rate-cuts

07/23/2025

Employment Insurance stats for May are released tomorrow. Here’s a preview..

https://zurl.co/igpMP

Bank of Canada’s next meeting July 30.

07/15/2025

🏡 CREA’s Canadian housing market report for June 2025:

➡️ Home sales up 2.8% May to June

➡️ Non-seasonally adjusted sales up 3.5%

➡️ MLS® Home Price Index (HPI) flat (-0.2%) month-over-month, down 3.7% year-over-year

CREA’s Report 👉 https://zurl.co/jm6MQ

Encouraging, empowering and enabling REALTORS® in support of Canadian real estate journeys.

07/01/2025

Happy Canada Day! 🇨🇦