mortgage

In December 2025, the Bank of Canada held its policy interest rate at 2.25%. As we approach the next announcement on January 28th, the consensus is that rates will likely remain flat or see a minor adjustment. On paper, 2.25% is an attractive number. It is a massive drop from the highs of 2024. In a typical real estate cycle, a rate drop of this magnitude usually sparks immediate bidding wars and...