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Line chart showing the five-year Government of Canada bond yield climbing to a five-week high of 3.43 percent.

The five-year Government of Canada bond yield, the benchmark Canadian lenders use to price fixed mortgage offers, has climbed 21 basis points off its August low to a five-week high. A move of this size typically shows up in renewal offers within days, hitting hardest the clients who locked in five-year fixed rates in 2021 and 2022 and are now comparing today's environment against near record-low rates. Variable-rate and home equity line borrowers are unaffected by the bond move, since only fixed-rate renewals are priced against this yield.

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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