AI, Tariffs, and Inflation: 3 Important Takeaways from the Bank of Canada’s Latest Move   In the world of central banking, a "hold" is rarely just a pause—it is a positioning. On January 28, 2026, the Bank of Canada kept its target for the overnight interest rate at 2.25%, but the accompanying rhetoric suggests a Governing Council navigating a razor’s edge. We are no longer in an era of predictable cycles; we are in a state of "upheaval."... [read more]

  The Bank of Canada reduced its key interest rate to 2.5% today, marking its first cut since March and signaling a response to a slowing Canadian economy and persistent trade uncertainty. This move is expected to have a notable impact on the Greater Toronto Area (GTA) real estate market, offering new opportunities and challenges to both buyers and sellers.bankofcanada+3 Key Details of the Rate Cut The overnight rate was lowered by 25 basis points to... [read more]

8 Strategies to Secure a Lower Mortgage Rate Interest rates have risen rapidly this year, triggered by the Bank of Canada’s efforts to curb inflation. And the July MNP Consumer Debt Index found that 59% of Canadians “are already feeling the effects of interest rate increases.”1   Why has the impact been so widespread? In part, due to the rising popularity of variable rate mortgages. According to the Canada Mortgage and Housing Corporation, in the latter... [read more]

Bank of Canada Increases the Overnight Lending Rate to 0.5% The Bank of Canada today increased its target for the overnight rate to ½ %, with the Bank Rate at ¾ % and the deposit rate at ½ %. The Bank is continuing its reinvestment phase, keeping its overall holdings of Government of Canada bonds on its balance sheet roughly constant until such time as it becomes appropriate to allow the size of its balance sheet to decline. The unprovoked invasion... [read more]

BANK OF CANADA HOLDS ITS TARGET OVERNIGHT RATE The Bank of Canada today held its target for the overnight rate at the effective lower bound of ¼ percent, with the Bank Rate at ½ percent and the deposit rate at ¼ percent. The Bank is maintaining its extraordinary forward guidance, reinforced and supplemented by its quantitative easing (QE) program, which continues at its current pace of at least $4 billion per week. The global economy is recovering from the... [read more]