Rates & policy · September 25, 2026

Five-year fixed rates: advertised best rate vs. posted rate

One online lender advertised a lowest insured 5-year fixed rate of 4.39% on 25 September (stress-test rate 6.39%). TRREB’s monthly report lists the posted 5-year rate at 6.09%.

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Photo: Municipal Affairs and Housing, CC BY 2.0, via Wikimedia Commons. Illustrative: it does not show the property or event described.

Source: Nesto (best insured rate, 25 Sept 2026); TRREB (posted rates, Sept 2026) ↗

One online lender advertised a lowest insured 5-year fixed rate of 4.39% on 25 September (stress-test rate 6.39%). TRREB’s monthly report lists the posted 5-year rate at 6.09%.

Advertised best rates are not what every borrower gets. Your rate depends on your lender and profile.

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Rates & policy · October 28, 2026Bank of Canada rate decision (with Monetary Policy Report)The policy rate has been held at 2.25% since December 2025. The next decision is 28 October, and it comes with updated forecasts.Bank of Canada schedule

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Rates & policy · October 22, 2026Bank of Canada increasingly expected to raise interest rates this monthCBC reports that markets now price a quarter-point Bank of Canada hike on 28 October as likely, and that several major bank economists have moved from expecting a hold to expecting a hike. It pairs that with weak buyer demand: CREA has cut its 2026 sales forecast again, and an analyst quoted calls national sales volume a 25-year low.CBC News

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Rates & policy · October 19, 2026Statistics Canada releases September inflation (CPI)The September CPI is scheduled for Monday 19 October at 8:30 a.m. ET, nine days before the Bank of Canada’s 28 October decision. August inflation was 3.0% year over year, driven mostly by gasoline; excluding gasoline it was 2.4%. A hotter September strengthens the case for a hike; a cooler one weakens it.Statistics Canada

Summaries are independently written; the source is credited and linked where a link exists. Not financial, mortgage, tax or legal advice. Not intended to solicit buyers or sellers currently under contract with another brokerage. Yovan Gabric, REALTOR®, Royal LePage Pinnacle, Brokerage, independently owned and operated. E. & O.E.

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Five-year fixed rates: advertised best rate vs. posted rate

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