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Canada’s mortgage market in 2025 marks a defining shift from the ultra-low-rate borrowing era that shaped buyer behavior for more than a decade. After years of aggressive interest-rate increases, tightened qualification standards, and affordability pressures, the housing finance system has entered a phase of disciplined recalibration. This is no longer a market driven by urgency...

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In November 2025, a quiet but significant transformation is taking shape across Canada’s housing market — not only for homeowners and investors but for renters, too. While the Bank of Canada’s rate cut to 2.25 % has dominated recent headlines, another story is unfolding in the background: a structural shift in the rental market that...

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As the Canadian housing market enters its most balanced phase in years, first-time buyers across British Columbia and Alberta are discovering new openings that didn’t exist in 2022 or 2023. The Bank of Canada’s September 2025 rate cut to 2.5%, coupled with improved inventory, is reshaping affordability across urban and suburban corridors from Surrey and...

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As of August 2025, a noticeable shift is underway in the housing markets of Abbotsford, Surrey, and Edmonton. With inventory levels rising, sales volumes cooling, and the Bank of Canada holding its key rate at 2.75%, conditions are starting to favour buyers after years of market imbalance. This moment—between the summer slowdown and fall’s potential...

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On July 30, 2025, the Bank of Canada left its overnight rate unchanged at 2.75%, extending its cautious approach to monetary policy for a third consecutive meeting. The central bank’s statement emphasized a “data‑dependent” stance, keeping the door open for future rate cuts if inflation cools further or economic growth stalls. For many Canadians—especially homeowners...

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