About this episode

Daniel and Nick discuss the implications of the Bank of Canada's decision to hold the policy rate at 2.25% and analyze fixed versus variable mortgage options for investors.

The Bank of Canada held its policy rate at 2.25 per cent again. Does that make fixed or variable the better mortgage choice in 2026, and could the next move still be a rate hike? Daniel and Nick break down the fixed-versus-variable decision, the July 2026 Monetary Policy Report, inflation, growth, housing weakness, Government of Canada bond yields, and why CMHC MLI Select financing responds to more than the overnight rate. We also explain what investors should stress-test before buying, how lender spreads affect multi-unit debt, and why a rate forecast cannot rescue weak NOI or a bad purchase price. Sources include the Bank of Canada July rate decision, July 2026 MPR, official Government of Canada benchmark-yield data, and CMHC MLI Select materials. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.

People in this episode

Hosts: Daniel Foch, Nick Hill

Topics covered

• mortgage choices
• interest rates
• real estate investing
• inflation
• housing market
• financial strategies

Keywords

• Bank of Canada
• fixed mortgage
• variable mortgage
• interest rates
• real estate
• inflation
• housing weakness
• CMHC
• investment strategies

Sponsors

NordVPN

Mentioned in this episode

Organizations: Bank of Canada, CMHC MLI Select

Places: Canada, Toronto

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