The Canadian Index

All content, including the full-resolution download, is provided at no charge.

Homepage Archive Legal
Bar chart showing Canada's best insured five-year fixed mortgage rate climbing to 3.99 percent in July 2026.

The best insured five-year fixed mortgage rate climbed to 3.99% this week, up from 3.94% just five days earlier, even as the Bank of Canada held its overnight rate at 2.25% for a sixth straight meeting. Fixed mortgages are priced off government bond yields rather than the overnight rate itself, and those yields touched a two-month high on conflict-driven market pressure. The move matters most for anyone renewing in the next eighteen months, particularly those who locked in sub-2% rates back in 2021.

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.

Download Hi-Res JPEG (No Watermark)

Related charts

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.

The Bond Market Just Handed 2026 Mortgage Renewals a Harder Number

September 14, 2026

View chart & download
Line chart comparing Canada's headline and ex-gasoline CPI year-over-year from January through July 2026.

Canada's headline CPI rose 3.0% in July, edging above forecasts, almost entirely on a jump in gasoline prices tied to Middle East supply concerns.

Canada CPI Points to a BoC Hold as Bond Yields Climb

August 18, 2026

View chart & download
Bar chart comparing Canadian mortgage and bond rate benchmarks, including the five-year fixed mortgage rate, as of mid-August 2026.

The best available uninsured five-year fixed mortgage rate has climbed to about 4.24%, even though the Bank of Canada's overnight rate has held at 2.25% since October.

The 2026 Mortgage Renewal Wall Just Got a Higher Price Tag

August 13, 2026

View chart & download
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.

Two Rates, Two Stories: The Bond Market Jumped Friday. The Prescribed Rate Did Not.

August 10, 2026

View chart & download
Line chart showing the Government of Canada five-year bond yield climbing through August and September.

Canadian headline inflation held at 3.0 percent year over year in August, matching July, but the underlying number worsened: inflation…

The Bond Market Already Moved Before the Bank of Canada Has To

September 21, 2026

View chart & download
Line chart of the TSX Composite over the week the Fed hiked rates and the Bank of Canada held.

Two G7 central banks moved in opposite directions the week of September 15: the Federal Reserve raised its policy rate a quarter point to…

The Week the Bank of Canada's Own Rate Stopped Setting Canadian Borrowing Costs

September 19, 2026

View chart & download
Legal Archive Homepage

Charts and data on this site are provided for general informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Each chart reflects the source and period indicated on it and may not represent current market conditions.

Charts may be downloaded and shared freely for professional or educational use, including in client presentations, reports, and publications, with no attribution or permission request required. Charts may not be altered, edited, or cropped: each is a specific, time-stamped dataset, and an altered copy no longer accurately represents that record.

© 2026 The Canadian Index. A public reference library of Canadian financial market charts, updated daily from public market data. See the Legal and Usage Terms page for full disclaimers.