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Bar chart comparing Canada's five-year bond yield, mortgage rates, and the CRA prescribed rate as of August 2026.

Canada's five-year bond yield jumped to 3.274% intraday Friday, its highest level in weeks, after July employment beat expectations by nearly fivefold. The Canada Revenue Agency's prescribed rate, unaffected by that data, held at 3% for a fifth straight quarter through September 30. Five-year fixed mortgage rates already sit between 4.0% and 4.6%, with most bank forecasts pointing toward 4.5% to 4.9% by year end, a materially different rate than clients renewing locked in five years ago.

This chart is presented for general informational purposes only and does not constitute financial, investment, tax, or legal advice. Figures reflect the source and period indicated and may no longer be current.

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