{"id":145,"date":"2026-10-30T10:00:00","date_gmt":"2026-10-30T10:00:00","guid":{"rendered":"https:\/\/www.mannmortgages.com\/blog\/?p=145"},"modified":"2026-10-30T10:00:00","modified_gmt":"2026-10-30T10:00:00","slug":"why-canadian-fixed-mortgage-rates-are-rising","status":"publish","type":"post","link":"https:\/\/www.mannmortgages.com\/blog\/2026\/10\/30\/why-canadian-fixed-mortgage-rates-are-rising\/","title":{"rendered":"Why Canadian Fixed Mortgage Rates Are Rising"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/paul-mann-4\/the-bank-of-canada-hasnt-moved-on-rates-so-why-has-your-fixed-mortgage-rate-jumped-remotion-videos-222c\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>In the past month, Canada&#039;s lowest insured 5-yr fixed moved from high-3% to low-4%, while uninsurable offers shifted from low-4% to mid-4%.<br \/>\nThe central bank&#039;s policy rate mainly guides variable mortgages; fixed rates track bond yields, which also reflect economic conditions and rate expectations.<br \/>\nLenders track 5-yr federal bond yields, then add credit risk, hedging, operating costs, and profit; insured mortgages stay cheaper because default risk shifts to insurers.<br \/>\nOver past 12 mo, yields climbed ~80bps, but lowest insured rates rose ~45bps as competition for renewals kept spreads tighter in Canada.<br \/>\nBond moves pass through slowly, and lenders often cut later than they raise. Quotes far below the recent 2-week yield-plus-spread rule may rise soon.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In the past month, Canada&#039;s lowest insured 5-yr fixed moved from high-3% to low-4%, while uninsurable offers shifted from low-4% to mid-4%. The central bank&#039;s policy rate mainly guides variable mortgages; fixed rates track bond yields, which also reflect economic conditions and rate expectations. Lenders track 5-yr federal bond yields, then add credit risk, hedging, [&hellip;]<\/p>\n","protected":false},"author":243,"featured_media":146,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/145","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/users\/243"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/comments?post=145"}],"version-history":[{"count":1,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/145\/revisions"}],"predecessor-version":[{"id":149,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/145\/revisions\/149"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/media\/146"}],"wp:attachment":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/media?parent=145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/categories?post=145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/tags?post=145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}