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NBC: Two-Year Streak: Housing Affordability Improves Through 2025Q4 Highlights: Housing affordability improved again in the final quarter of 2025, marking an eighth consecutive quarterly gain, the longest streak on record. The mortgage payment as a percentage of income fell to 51.6%, its lowest level in almost four years. Even with the recent improvement, affordability remains […]

Why the Bank of Canada is holding its interest rate Key Takeaways:The Bank of Canada (BoC) just held its interest rate steady at 2.25% at its January 28 announcementThe BoC also opted to hold its rate at its last meeting of 2025 in DecemberTD Senior Economist Andrew Hencic said the central bank is likely to […]

TD Report: Credit & Debit Card Spending TD card spending growth came in a touch stronger in 2025 through November, up 5.4% relative to 4.9% in 2024. The category mix broadly echoed 2024, with services spending once again outpacing goods, and goods spending making a modest comeback. Entertainment spending was the standout in 2025, leading […]

CMHC: Residential Mortgage Industry Report Fall 2025 Edition HighlightsMortgage lenders experienced growth in originations — new mortgages for property purchase, refinances or when borrowers switch lenders — in the first half of 2025 compared to the first half of 2024. This growth was driven by increases in insured mortgages and refinances.Alternative lenders, who typically provide debt […]

Scotiabank: Balancing Boldness: Canada Tables Its Investment and Austerity Budget scotiabank.com TD Bank: What the Bank of Canada rate cut could mean for you (The Bank of Canada (BoC) just announced it is cutting its interest rate by 25 basis points, bringing it down from 2.50% to 2.25%.This is the second consecutive cut from the […]

Scotiabank Economics: HOUSEHOLD CONSUMPTION TO SOFTEN Household spending growth has been resilient so far. Consumer spending in Canada is being shaped by competing forces. The supportive effects of monetary policy easing are still working through the economy, with the Bank of Canada having lowered its policy rate from a peak of 5% beginning in June […]

Delinquency Levels Show Signs of Stabilizing, But The Financial Gap Continues To Widen For Some Canadians New insights from Equifax® Canada Market Pulse Quarterly Consumer Credit Trends and Insights show early signs of stabilization in consumer credit performance in the second quarter of 2025. The improvements in credit health were more visible for mortgage holders […]

How the Bank of Canada’s rate hold could impact you Key Takeaways:The Bank of Canada (BoC) just announced it is holding its lending rate steady at 2.75%This means that borrowing rates on many financial products, such as loans and mortgages, are unchangedTD Economics predicts that rate relief will come at some point in 2025, and […]

Canadian Home Sales Increase for the First Time in 2025; Are Home Buyers Regaining Confidence? For the first time since November last year, Canadian home sales were up when comparing month-over-month data. The latest data from the Canadian Real Estate Association (CREA) shows the number of home sales rose 3.6% in May compared to April, […]

GST relief for first-time home buyers on new homes valued up to $1.5 million From: Department of Finance Canada To lower the upfront cost of buying a new home for young Canadians and spur the construction of new homes across the country, the government is eliminating the Goods and Services Tax (GST) for first-time home […]