{"id":29,"date":"2026-09-28T11:00:00","date_gmt":"2026-09-28T11:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/mannmortgages-com\/2026\/09\/28\/what-the-bocs-next-decision-means-for-the-mortgage-market\/"},"modified":"2026-09-28T11:00:00","modified_gmt":"2026-09-28T11:00:00","slug":"what-the-bocs-next-decision-means-for-the-mortgage-market","status":"publish","type":"post","link":"https:\/\/www.mannmortgages.com\/blog\/2026\/09\/28\/what-the-bocs-next-decision-means-for-the-mortgage-market\/","title":{"rendered":"What the BoC&#8217;s next decision means for the mortgage market"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>With the Bank of Canada holding its overnight rate steady at 2.25%, many of you are rightfully asking what this means for your current mortgage\u2014or your next one. One-third of mortgage holders are now looking at renewal payments that are 20% higher, and we&#039;ve seen a noticeable uptick in delinquencies, particularly in Ontario. As someone who\u2019s helped clients in both BC and Alberta navigate these shifts since 2010, I can say lenders are paying close attention to these trends. While further rate hikes aren&#039;t expected until later in 2026, it&#039;s more important than ever to review your mortgage strategy\u2014whether you&#039;re considering a refinance, exploring a HELOC, or dealing with a renewal. With access to banks, credit unions, and private lenders, I always look for the best fit for your unique financial situation. In a changing market, having options\u2014and a plan\u2014makes all the difference.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.mpamag.com\/ca\/news\/general\/what-the-bocs-next-decision-means-for-the-mortgage-market\/588133\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With the Bank of Canada holding its overnight rate steady at 2.25%, many of you are rightfully asking what this means for your current mortgage\u2014or your next one. One-third of mortgage holders are now looking at renewal payments that are 20% higher, and we&#039;ve seen a noticeable uptick in delinquencies, particularly in Ontario. As someone [&hellip;]<\/p>\n","protected":false},"author":243,"featured_media":57,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-29","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\/29","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=29"}],"version-history":[{"count":0,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/29\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/media\/57"}],"wp:attachment":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/media?parent=29"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/categories?post=29"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/tags?post=29"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}