The Bank of Canada Rate Hold: What It Means for Calgary Homeowners
September 3, 2026
On September 2, 2026, the Bank of Canada held its policy rate at 2.25%. It was the seventh hold in
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Whether you’re buying your first home or your fifth, these guides break down the process in plain language.
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On September 2, 2026, the Bank of Canada held its policy rate at 2.25%. It was the seventh hold in
If you have a mortgage renewal in Calgary coming up, here’s what the Bank of Canada’s July 2026 rate hold means for your payment and options.
The Bank of Canada held its overnight rate at 2.25% on June 10, 2026 — the fifth consecutive hold. If
National real estate headlines in 2026 make for uncomfortable reading. Falling home prices, economic uncertainty, population decline, mortgage costs on
If you’ve been waiting for the right conditions to buy a home in Calgary, there’s a good chance the rules
The Bank of Canada held its overnight rate at 2.25% on April 29, 2026. If you’ve been watching mortgage rates
Straight to the sources that matter — government programs, credit bureaus, and the regulators behind the rules.
See the actual decisions driving rate changes, straight from the source.
CMHC
Programs, insurance, and housing research that affects your mortgage options.
Sagen
One of Canada’s three approved mortgage default insurers.
Canada Guaranty
The third of Canada’s approved mortgage default insurers — relevant if your mortgage requires insurance.
Equifax
Check your own credit report directly, free, before it ever comes up with a lender.
TransUnion
Canada’s other major credit bureau — worth checking both, since they don’t always show the same picture.
Home Buyers’ Plan (HBP)
The official rules for using your RRSP savings toward a first home.
First-Time Home Buyer definition
The exact criteria that determine whether you qualify for first-time buyer programs.
First Home Savings Account (FHSA)
Official program details for this tax-free way to save toward a first home.
FCAC
Federal, unbiased consumer protection info if you want a second opinion that isn’t coming from us or a lender.
RECA
Confirm any Alberta mortgage broker’s licence — including ours.
OSFI
They set the mortgage stress test rules. Worth knowing where that rule actually comes from.
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