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Line chart comparing the CRA prescribed rate to the Government of Canada five-year bond yield from June to July 2026.

The Canada Revenue Agency's prescribed rate for family loans has held at 3 per cent for five straight quarters, set from the prior quarter's Treasury bill auctions. The Government of Canada five-year yield that prices mortgage renewals has kept climbing as the Hormuz conflict escalated, widening the gap between the two. Roughly a third of Canadian mortgage holders face higher payments by year-end. The next prescribed rate is calculated from July's auctions, the same ones absorbing this month's yield pressure, so the 3 per cent window may not last.

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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