01/28/2026
🏦 Bank of Canada Rate Hold: What It Means for Your 2026 Game Plan
The Bank of Canada has held its key rate at 2.25%, keeping borrowing costs steady as inflation stays close to the 2% target.
With many economists expecting rates to remain on hold through 2026, this “wait-and-see” approach creates a more stable environment for buyers, sellers, and investors.
✔️ Variable-rate borrowers: No sudden payment shocks—for now
✔️ Buyers & sellers: More confidence, clearer planning, and time to make smart, intentional moves.
If you’re thinking about making a move, now is a strategic time to review your options and build a plan for early 2026 and beyond.
As a local GTA realtor, I help clients break down the numbers, understand how today’s rate environment impacts buying power, and create a personalized strategy—whether you’re buying, selling, or investing.
📩 Let’s build your 2026 real estate game plan.