One stat or rate, two-line take. Named plural because it reads better as a standing heading, even on a day with a single item.
The five-year Government of Canada benchmark bond yield fell to 3.62% on October 1, down from 3.69% a few days earlier. Fixed mortgage pricing tracks this closely, so a buyer locking in this week should see slightly better offers than one who shopped two weeks ago.
Statistics Canada's mortgage interest cost index climbed to 182.7 in August, up from 182.1 in July and 181.7 in June. It is the clearest read yet on how much renewal shock is still working through household budgets, and it hasn't peaked.
The Bank of Canada held its overnight rate steady, keeping policy unchanged from the prior setting. For agents, that means the lending backdrop hasn't shifted since last month, even as bond yields move on their own track.
The five-year Government of Canada bond yield rose to 3.68 percent, up from 3.65 percent just days earlier. That climb feeds straight into fixed mortgage pricing, so agents quoting rate holds to buyers this week should expect lenders to nudge offers upward rather than trim them.
The five-year benchmark Government of Canada bond yield eased to 3.65% on September 25, down from 3.69% the day before. That's the rate lenders watch most closely when pricing fixed mortgages, and the drop gives agents a fresh data point for renewal conversations this week.
The Bank of Canada's benchmark 10-year bond yield ticked up from the prior session. It's the number lenders watch when pricing fixed mortgages, so a small daily move like this rarely shows up in a rate sheet by itself, but a run of them will.
The Bank of Canada's 10-year benchmark bond yield reached 3.96% on Wednesday, up from 3.83% the day before. That's the yardstick discount lenders use to price five-year fixed mortgages, so brace for another round of rate sheet changes this week.
The Government of Canada 10-year benchmark yield closed at 3.83%, barely off the 3.84% it held the day before. Fixed mortgage pricing tracks this yield closely, so lenders have little room to move rates this week.
Statistics Canada's New Housing Price Index for Toronto has held at 120.7 for three straight months. For agents working new-build listings in the region, that flatness is itself the story: builders aren't moving list prices in either direction, which narrows the room for negotiation on incentives instead.
The five-year Government of Canada bond yield climbed to 3.59%, up from 3.54% a day earlier. Lenders price most fixed mortgages off this yield, so agents should expect posted rates to firm rather than ease this week.
Statistics Canada's rented accommodation index climbed to 167.7 in August, up from 166.4 in July and just above June's 167.1. Landlords are still finding room to raise rents even as broader inflation cools, which keeps the gap between renting and owning a live question for anyone advising a client on when to buy.
Housing starts ran at that seasonally adjusted annual rate in August, down from 229,360 in July and 240,486 in June, per Statistics Canada and CMHC. Three straight months of decline means the supply pipeline agents are counting on for next year keeps getting thinner, especially in markets already short on resale inventory.
Statistics Canada's mortgage interest cost index hit 182.7 in August, up from 182.1 in July and 181.7 in June. The climb has been steady for three straight months, and it's the line item agents will hear about at every kitchen-table conversation this fall.
The Bank of Canada left its overnight rate at 2.25%, the same level as its previous announcement. Agents can tell clients the rate-hold picture hasn't changed, with fixed and variable costs sitting exactly where they were before.
Statistics Canada's shelter index rose to 190.9 in August, up from 190.3 in July and 190.2 in June. It's the slice of the inflation basket agents hear about first, since it covers the rent and mortgage payments clients are actually paying.
The five-year Government of Canada bond yield closed at 3.63% on September 10, up from 3.48% the day before. Lenders price most fixed mortgages off this yield, so a move this size shows up in rate sheets within days, not weeks.
The benchmark 10-year Government of Canada bond yield climbed to 3.84% on September 9, up from 3.81% the day before. Fixed mortgage pricing tracks this yield closely, so a lender's rate sheet this week likely moved with it, not against it.
The Government of Canada 10-year benchmark bond yield rose to 3.81% on September 8, up from 3.77% days earlier, the Bank of Canada reported. Fixed mortgage pricing tracks this yield closely, so agents working pre-approvals this week should expect lenders to nudge fixed offers up rather than down.
The five-year Government of Canada bond yield eased to 3.4%, down from 3.41% the prior session. Five-year fixed mortgage pricing tracks this yield closely, so continued softening gives lenders room to trim rates — worth flagging to buyers who've been sitting on the sidelines waiting for a better number.
Statistics Canada's New Housing Price Index for Canada fell to 120.5 in July, down from 120.6 in June and 120.7 in May. It's the third straight monthly slip, and builders trying to hold list prices are losing that argument a little more each month.
The benchmark 10-year Government of Canada bond yield eased to 3.79%, down slightly from the previous session's 3.8%. Fixed mortgage rates track this yield closely, so a softer print gives lenders a little more room to trim before the next wave of renewals lands.
Housing starts fell to 229,074 in July, extending declines from 240,773 in June and 254,178 in May. Fewer starts today mean a thinner new-build pipeline down the road, at a time when builders already point to soft pre-sales and high financing costs.
Statistics Canada's mortgage interest cost index climbed to 182.1 in July, up from 181.7 in June and 181.6 in May. For agents fielding affordability questions, the message hasn't shifted in months: renewal payments keep rising even with the Bank of Canada sitting on its hands.
The five-year Government of Canada benchmark bond yield slipped to 3.33%, down from 3.34% in the prior reading. Fixed mortgage pricing tracks this yield closely, so the small pullback nudges lenders' best rates down a notch just ahead of the Bank of Canada's own announcement.
The Bank of Canada's five-year benchmark bond yield rose to 3.34%, up from 3.3% the prior session. Fixed mortgage rates track this yield closely, so lenders' posted rates have a little more room to move than they did last week.
The Bank of Canada's benchmark 10-year yield rose to 3.73%, up from 3.7% the day before. That number sets the tone for fixed mortgage pricing, so lenders quoting five-year fixed deals this week are working off a slightly higher cost of funds than last week's sheet.
The 10-year benchmark bond yield climbed for a second straight day, moving from 3.62% to 3.66%. Fixed mortgage pricing tracks this end of the curve, so lenders have room to nudge posted rates up before the next Bank of Canada meeting.
The five-year Government of Canada bond yield eased to 3.28%, down from 3.36% just days earlier. Fixed mortgage pricing tracks this benchmark closely, so lenders now have a little more room to move without waiting on the Bank of Canada.
The 10-year Government of Canada bond yield edged up to 3.76% from 3.75%, and fixed mortgage pricing tends to follow it within days. It's a small move, but it points the wrong way for buyers hoping fixed rates keep drifting down before they lock in.
The five-year Government of Canada bond yield rose to 3.36% on Thursday from 3.35% the day before. This is the benchmark lenders lean on to price five-year fixed mortgages, so renewal quotes this week nudge up rather than down.
The benchmark 10-year Government of Canada bond yield eased to 3.69% from 3.7% the day before. Lower long-bond yields tend to feed through to fixed mortgage rates, so agents building renewal scenarios this week have slightly cheaper money to work with than earlier in the week.
Statistics Canada's rent index came in at 166.4 for July, down from 167.1 in June and a touch below May's 166.6. Rents are still climbing on an annual basis, but the pullback from June is worth flagging to tenants convinced increases only go one way.
Housing starts fell to 229,074 units at a seasonally adjusted annual rate in July, down from 240,773 in June and 254,178 in May. Three straight monthly declines point to a supply pipeline that keeps thinning even as demand shows early signs of steadying.
The 10-year Government of Canada bond yield climbed to 3.72% on Monday, up from 3.68% the session before. Fixed mortgage rates tend to track this benchmark, so lenders with tight margins have room to move if the climb holds through the week.
The five-year Government of Canada bond yield eased to 3.23%, down from 3.3% the day before. Five-year fixed mortgage rates track this yield closely, so lenders have a little more room to move on pricing heading into fall.
The Bank of Canada's benchmark rate stayed at 2.25%, exactly where it sat the day before. That's it, no surprise, and no fresh signal on carrying costs until the next scheduled decision.
The benchmark 10-year Government of Canada bond yield eased to 3.7%, down from 3.72% the previous session. Lenders price fixed mortgage rates off this yield, so even a small pullback gives a little room on where five-year fixed offers can land this week.
Statistics Canada's index for homeowners' replacement cost sat at 201.5 in June, down from 202.1 in May and 202.8 in April, the third straight month lower. For agents pricing rebuild or insurance value for clients, that's a shift worth flagging before someone works off an older estimate.
Housing starts across Canada in June, at a seasonally adjusted annual rate. That is down from 253,083 in May and 271,501 in April — two consecutive monthly declines, and about twelve percent off the April pace. Starts are the supply your listings will compete against in a year and a half. When a client asks whether to wait for more choice, this is the number that says what choice there will be.