The Bank of Canada held its policy rate steady at 2.25% on January 28, 2026. This second consecutive pause suggests we are likely at the “bottom” of the rate cycle. For you, this means a rare window of stability before potential shifts later in 2026.
Today’s Featured Rates
Rates are “starting from” and vary based on your unique credit and equity profile.
| Mortgage Type | Featured Rates (Approx.) | The Expert Insight |
| 5-Year Variable | 3.70% – 4.15% | The Flexibility Play: Ideal if you want the lowest current payment and believe rates will stay flat or dip slightly. |
| 3-Year Fixed | 3.96% – 4.21% | The Strategic Choice: Our most popular “middle ground.” It offers stability now without locking you in for too long. |
| 5-Year Fixed | 4.19% – 4.40% | The Safety Net: Perfect for families coming off pandemic-era rates who need to lock in a predictable budget. |
| Alternate/Self-Employed | 4.94% – 5.19% | The Solution: For business owners who don’t fit the “Big Bank box” but have strong equity. |
Note: The current Prime Rate is 4.45%.
Don’t Navigate the “Payment Shock” Alone
Over 60% of Canadian mortgages are renewing in 2025 and 2026. Many homeowners are facing a 15-20% jump in their monthly payments as they move from pandemic-era lows.
The Plan to Protect Your Home:
- Review: We look at your current mortgage and financial goals.
- Strategy: We shop 57+ lenders to find a fit that protects your cash flow.
- Approval: We manage the paperwork so you can focus on your life.
Avoid the “Wait-and-See” Trap. Waiting for rates to “hit bottom” can be risky, especially with bond market volatility. Let’s secure your rate today.
Lock in Your Rate for 120 Days
Don’t let market volatility derail your home-buying plans. Once we submit a pre-approval to our lenders, they will hold the rate for you. As long as your closing date is within 120 days from today, your rate will be locked in if the mortgage rate goes up. On the other hand, if the rate drops, you will get a lower rate.
