More than ************* mortgage loans are projected to be affected by the increasing mortgage interest rates in Canada by 2025. About *********** of these mortgages are projected to be up for renewal in 2024. These loans were taken out at a time when interest rates were much lower, meaning that homeowners will be affected by a notable increase in their monthly payments.

Canada Conventional Mortgage: 5 Years: Weekly data was reported at 6.490 % pa in 07 May 2025. This stayed constant from the previous number of 6.490 % pa for 30 Apr 2025. Canada Conventional Mortgage: 5 Years: Weekly data is updated weekly, averaging 5.700 % pa from Jan 2000 (Median) to 07 May 2025, with 1323 observations. The data reached an all-time high of 8.750 % pa in 31 May 2000 and a record low of 4.640 % pa in 12 Jul 2017. Canada Conventional Mortgage: 5 Years: Weekly data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M005: Conventional Mortgage Rate. [COVID-19-IMPACT]

The Canadian home lending market, valued at approximately $XX million in 2025, is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) exceeding 5% through 2033. This expansion is fueled by several key factors. Firstly, a consistently growing population and increasing urbanization are driving demand for housing, particularly in major metropolitan areas. Secondly, favorable government policies aimed at supporting homeownership, while subject to change, have historically played a crucial role. Thirdly, the prevalence of low-interest rates (though subject to fluctuations) in recent years has made mortgages more accessible to a wider range of borrowers. Finally, the diverse range of lenders, including commercial banks, financial institutions, credit unions, and online lenders, fosters competition and innovation within the market, offering consumers more choice and potentially better rates. However, the market is not without its challenges. Rising interest rates, inflation, and potential economic downturns pose significant risks to the sustained growth trajectory. Furthermore, stricter lending regulations implemented to mitigate risks within the financial system could impact affordability and accessibility for some borrowers. Market segmentation reveals a preference for fixed-rate loans and a growing adoption of online lending platforms, alongside continued reliance on traditional brick-and-mortar institutions. Key players in the market, such as HSBC Bank Canada, Tangerine Direct Bank, and others, compete aggressively to capture market share through varied product offerings and service models. The market’s long-term prospects remain positive, albeit contingent on macroeconomic stability and regulatory shifts. Continued innovation and adaptation by lenders will be crucial in navigating the evolving landscape of the Canadian home lending market. This insightful report provides a deep dive into the dynamic Canadian home lending market, analyzing key trends, growth drivers, and challenges from 2019 to 2033. With a focus on the crucial year 2025 (base and estimated year), this comprehensive study offers invaluable insights for stakeholders across the industry. We leverage data from the historical period (2019-2024) to project the market's trajectory during the forecast period (2025-2033). Keywords: Canadian mortgage market, home equity loans Canada, mortgage rates Canada, online mortgage lenders Canada, Canadian real estate finance. Recent developments include: On March 15, 2022, First Ontario Credit Union announced its merger with Heritage savings & Credit union to offer the best in financial products and services., On February 09, 2022, Hello safe announced a new partnership with Hard bacon, a personal finance application used by more than 35,000 Canadians, this partnership is to leverage Hard bacon's portfolio of comparison tools.. Notable trends are: A Rise in Home Prices Boosting Home Equity Lending Market.

Canada Residential Mortgages: Funds Advanced: Insured: Fixed Rate: 3 to <5 Yrs data was reported at 4.260 % pa in Feb 2025. This records a decrease from the previous number of 4.290 % pa for Jan 2025. Canada Residential Mortgages: Funds Advanced: Insured: Fixed Rate: 3 to <5 Yrs data is updated monthly, averaging 2.965 % pa from Jan 2013 (Median) to Feb 2025, with 146 observations. The data reached an all-time high of 5.990 % pa in Nov 2023 and a record low of 1.820 % pa in Feb 2021. Canada Residential Mortgages: Funds Advanced: Insured: Fixed Rate: 3 to <5 Yrs data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M008: New and Existing Lending: Residential Mortgages. [COVID-19-IMPACT]

Rates have been trending downward in Canada for the last five years. The ebbs and flows are caused by changes in Canada’s bond yields (driven by Canadians economic developments and international rate movements, particularly U.S. rate fluctuations) and the overnight rate (which is set by the Bank of Canada). As of August 2022, there has been a 225 bps increase in the prime rate, since beginning of year 2022, from 2.45% to 4.70% as of Aug 24th 2022. The following are the historical conventional mortgage rates offered by the 6 major chartered banks in Canada in the past 20 years.

This dataset provides values for 30 YEAR MORTGAGE RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

In May 2025, global inflation rates and central bank interest rates showed significant variation across major economies. Most economies initiated interest rate cuts from mid-2024 due to declining inflationary pressures. The U.S., UK, and EU central banks followed a consistent pattern of regular rate reductions throughout late 2024. In early 2025, Russia maintained the highest interest rate at 20 percent, while Japan retained the lowest at 0.5 percent. Varied inflation rates across major economies The inflation landscape varies considerably among major economies. China had the lowest inflation rate at -0.1 percent in May 2025. In contrast, Russia maintained a high inflation rate of 9.9 percent. These figures align with broader trends observed in early 2025, where China had the lowest inflation rate among major developed and emerging economies, while Russia's rate remained the highest. Central bank responses and economic indicators Central banks globally implemented aggressive rate hikes throughout 2022-23 to combat inflation. The European Central Bank exemplified this trend, raising rates from 0 percent in January 2022 to 4.5 percent by September 2023. A coordinated shift among major central banks began in mid-2024, with the ECB, Bank of England, and Federal Reserve initiating rate cuts, with forecasts suggesting further cuts through 2025 and 2026.

Evaluate Canada’s best mortgage rates in one place. RATESDOTCA’s Rate Matrix lets you compare pricing for all key mortgage types and terms. Rates are based on an average mortgage of $300,000

The yield on Canada 10Y Bond Yield eased to 3.39% on August 1, 2025, marking a 0.08 percentage point decrease from the previous session. Over the past month, the yield has edged up by 0.03 points and is 0.39 points higher than a year ago, according to over-the-counter interbank yield quotes for this government bond maturity. Canada 10-Year Government Bond Yield - values, historical data, forecasts and news - updated on August of 2025.

Canada CA: Real Effective Exchange Rate: Constant Trade Weights data was reported at 0.984 Index, 2015 in Dec 2025. This records a decrease from the previous number of 0.984 Index, 2015 for Sep 2025. Canada CA: Real Effective Exchange Rate: Constant Trade Weights data is updated quarterly, averaging 1.030 Index, 2015 from Mar 2007 (Median) to Dec 2025, with 76 observations. The data reached an all-time high of 1.287 Index, 2015 in Dec 2007 and a record low of 0.929 Index, 2015 in Jun 2020. Canada CA: Real Effective Exchange Rate: Constant Trade Weights data remains active status in CEIC and is reported by Organisation for Economic Co-operation and Development. The data is categorized under Global Database’s Canada – Table CA.OECD.EO: Effective Exchange Rate: Forecast: OECD Member: Quarterly. EXCHER-Real effective exchange rate, constant trade weightsIndex, OECD reference year OECD calculation, see OECD Economic Outlook database documentation

The Canadian mortgage and loan broker market is experiencing robust growth, driven by several key factors. A consistently strong housing market, coupled with increasing demand for diverse financial products like home loans, commercial and industrial loans, and vehicle loans, fuels this expansion. The rising complexity of mortgage products and the increasing need for personalized financial advice have created a significant demand for brokers' expertise, further boosting market size. The market is segmented by enterprise size (large, small, mid-sized), loan type (home loans, commercial/industrial loans, vehicle loans, government loans, others), and end-user (businesses, individuals). While precise market size figures are unavailable, we can infer substantial value based on the provided CAGR of >5% and a reported study period of 2019-2033. Given this growth trajectory and the established presence of numerous brokers (including True North Mortgage, KeyRate Corp, CanWise Financial, and others), a conservative estimate for the 2025 market size would fall within the range of $X Billion, with projections expecting continued expansion throughout the forecast period (2025-2033). This growth is not uniform across segments; the home loan segment likely dominates the market, while commercial and industrial loans, influenced by economic cycles, exhibit fluctuating demand. The increasing adoption of digital platforms and technological advancements within the brokerage sector will further shape market dynamics in the coming years. However, certain restraints exist. Regulatory changes and economic fluctuations influence market stability. Competition among established brokers and the emergence of new players add to the dynamic landscape. Maintaining consumer trust and complying with evolving regulations are critical for sustained success. The Canadian market showcases a strong preference for mortgage brokers, evidenced by the numerous established firms and sustained market growth. The industry's future growth will depend on effectively navigating regulatory compliance and leveraging technological advancements to deliver efficient and personalized services to a diverse clientele. This competitive market is expected to witness continued growth fueled by both established players and the entrance of new firms, capitalizing on the increasing demand for expert financial guidance in an evolving mortgage landscape. Recent developments include: In October 2023, True North Mortgage expands its Rate Relief product lineup, which initially launched with the lowest 6-month fixed rate around. The new 1-year Rate Relief mortgage is for those buying a home or who want to switch lenders at renewal to a better rate., November 2022: Home Capital Group Inc. announced that it had signed a legally binding contract (the "Arrangement Agreement") to be bought out by a wholly-owned subsidiary of Smith Financial Corporation ("SFC"), a company run by Stephen Smith., August 2022: Rocket Mortgage Canada, a digital mortgage broker based in Windsor, Ontario, made it official that it would stop doing business as Edison Financial and instead do business across the country under the name Rocket Mortgage. Rocket Mortgage said that it will change its brand and start lending directly in Canada later this year. Rocket Mortgage's agents talk with clients from all walks of life on a regular basis. Because of this, the company is in a unique position to use the information learned from these conversations to make loan products that work well and meet customer needs.. Notable trends are: Booming Alternative or Private Lending Market.

The Canada mortgage/loan brokers market size was valued at XX million in 2025 and is projected to grow at a CAGR of 5.00% from 2025 to 2033. The growth of the market can be attributed to the increasing demand for mortgages due to rising home prices and low interest rates. Other factors driving the market growth include the growing number of first-time homebuyers and the increasing awareness of the benefits of using a mortgage broker. Some of the key trends in the Canada mortgage/loan brokers market include the increasing use of technology, the growing popularity of online mortgage applications, and the increasing demand for personalized advice from mortgage brokers. The market is also witnessing a consolidation trend, with large mortgage brokers acquiring smaller ones to gain market share. The market is dominated by a few large players, such as True North Mortgage, KeyRate Corp, and CanWise Financial. These companies have a strong brand presence and a wide network of brokers. The market is also characterized by the presence of a large number of small and medium-sized mortgage brokers. These brokers typically focus on a specific niche market or geographic area. Recent developments include: In October 2023, True North Mortgage expands its Rate Relief product lineup, which initially launched with the lowest 6-month fixed rate around. The new 1-year Rate Relief mortgage is for those buying a home or who want to switch lenders at renewal to a better rate., November 2022: Home Capital Group Inc. announced that it had signed a legally binding contract (the "Arrangement Agreement") to be bought out by a wholly-owned subsidiary of Smith Financial Corporation ("SFC"), a company run by Stephen Smith., August 2022: Rocket Mortgage Canada, a digital mortgage broker based in Windsor, Ontario, made it official that it would stop doing business as Edison Financial and instead do business across the country under the name Rocket Mortgage. Rocket Mortgage said that it will change its brand and start lending directly in Canada later this year. Rocket Mortgage's agents talk with clients from all walks of life on a regular basis. Because of this, the company is in a unique position to use the information learned from these conversations to make loan products that work well and meet customer needs.. Notable trends are: Booming Alternative or Private Lending Market.

Canada Residential Mortgages: Funds Advanced: Uninsured: Fixed Rate: 1 to <3 Yrs data was reported at 5.760 % pa in Feb 2025. This records an increase from the previous number of 5.690 % pa for Jan 2025. Canada Residential Mortgages: Funds Advanced: Uninsured: Fixed Rate: 1 to <3 Yrs data is updated monthly, averaging 3.045 % pa from Jan 2013 (Median) to Feb 2025, with 146 observations. The data reached an all-time high of 6.270 % pa in Dec 2023 and a record low of 2.410 % pa in Jul 2016. Canada Residential Mortgages: Funds Advanced: Uninsured: Fixed Rate: 1 to <3 Yrs data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M008: New and Existing Lending: Residential Mortgages. [COVID-19-IMPACT]

Mortgage interest rates worldwide varied greatly in 2024, from less than **** percent in many European countries, to as high as ** percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increase in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2023, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

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Fixed Income Assets Management Market Size 2025-2029

The fixed income assets management market size is forecast to increase by USD 9.16 tr at a CAGR of 6.3% between 2024 and 2029.

The market is experiencing significant growth, driven by increasing investor interest in fixed income securities as a hedge against market volatility. A key trend in this market is the expansion of bond Exchange-Traded Funds (ETFs), which offer investors liquidity, diversification, and cost savings. However, this market is not without risks. Transactions in fixed income assets involve complexities such as credit risk, interest rate risk, and liquidity risk, which require sophisticated risk management strategies. As global investors seek to capitalize on market opportunities and navigate these challenges effectively, they must stay informed of regulatory changes, market trends, and technological advancements. Companies that can provide innovative solutions for managing fixed income risks and optimizing returns will be well-positioned to succeed in this dynamic market.

What will be the Size of the Fixed Income Assets Management Market during the forecast period?

Request Free SampleThe fixed income assets market in the United States continues to be an essential component of investment portfolios for various official institutions and individual investors. With an expansive market size and growth, fixed income securities encompass various debt instruments, including corporate bonds and government treasuries. Interest rate fluctuations significantly impact this market, influencing investment decisions and affecting the returns from interest payments on these securities. Fixed income Exchange-Traded Funds (ETFs) and index managers have gained popularity due to their cost-effective and diversified investment options. However, the credit market volatility and associated default risk pose challenges for investors. In pursuit of financial goals, investors often choose fixed income funds over equities for their stable dividend income and tax savings benefits. Market risk and investors' risk tolerance are crucial factors in managing fixed income assets. Economic uncertainty and interest rate fluctuations necessitate active management by asset managers, hedge funds, and mutual funds. The fund maturity and investors' financial goals influence the choice between various fixed income securities, such as treasuries and loans. Despite the challenges, the market's direction remains positive, driven by the continuous demand for income-generating investments.

How is this Fixed Income Assets Management Industry segmented?

The fixed income assets management industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD tr' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments. TypeCoreAlternativeEnd-userEnterprisesIndividualsGeographyNorth AmericaUSCanadaEuropeFranceGermanyItalyUKAPACChinaIndiaJapanSouth KoreaSouth AmericaMiddle East and Africa

By Type Insights

The core segment is estimated to witness significant growth during the forecast period.The fixed income asset management market encompasses a diverse range of investment vehicles, including index investing, pension funds, official institutions, mutual funds, investment advisory services, and hedge funds. This asset class caters to income holders with varying risk tolerances, offering securities such as municipal bonds, government bonds, and high yield bonds through asset management firms. Institutional investors, insurance companies, and corporations also play significant roles in this sector. Fixed income securities, including Treasuries, municipal bonds, corporate bonds, and debt securities, provide regular interest payments and can offer tax savings, making them attractive for investors with financial goals. However, liquidity issues and credit market volatility can pose challenges. The Federal Reserve's interest rate decisions and economic uncertainty also impact the fixed income market. Asset management firms employ various strategies, such as the core fixed income (CFI) strategy, which invests in a mix of investment-grade fixed-income securities. CFI strategies aim to deliver consistent performance by carefully managing portfolios, considering issuer creditworthiness, maturity, and jurisdiction. Fixed income funds, including government bonds and corporate bonds, offer lower market risk compared to equities. Investors can choose from various investment vehicles, including mutual funds, ETFs, and index funds managed by active managers or index managers. Fixed income ETFs, in particular, provide investors with the benefits of ETFs, such as liquidity and transparency, while offering exposure to the fixed income market. Despite market risks and liquidity issues, the fixed income asset management market continues to be

Canada Residential Mortgages: Funds Advanced: Uninsured: Fixed Rate: 3 to <5 Yrs data was reported at 4.410 % pa in Feb 2025. This records a decrease from the previous number of 4.430 % pa for Jan 2025. Canada Residential Mortgages: Funds Advanced: Uninsured: Fixed Rate: 3 to <5 Yrs data is updated monthly, averaging 2.950 % pa from Jan 2013 (Median) to Feb 2025, with 146 observations. The data reached an all-time high of 6.140 % pa in Nov 2023 and a record low of 1.830 % pa in Jan 2021. Canada Residential Mortgages: Funds Advanced: Uninsured: Fixed Rate: 3 to <5 Yrs data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M008: New and Existing Lending: Residential Mortgages. [COVID-19-IMPACT]

The Home Equity Loan market is projected to reach a market size of 30.74 million by 2033, growing at a CAGR of 3.50% over the forecast period 2025-2033. The United States, Canada, and Mexico are the major markets in North America. China, India, Japan, South Korea, ASEAN, Oceania, and the Rest of Asia Pacific form the Asia Pacific region. The factors driving market growth include the increasing popularity of debt consolidation, home improvements, and the need for additional capital. The growth in the home equity loan market is attributed to the low interest rates and the increasing number of homeowners. The availability of home equity loans at competitive interest rates makes them an attractive option for borrowers. However, the market is restrained by factors such as the high risk associated with home equity loans and strict eligibility criteria. The market is segmented by types, service providers, and regions. The types of home equity loans include fixed-rate loans and home equity lines of credit. The service providers include banks, online lenders, credit unions, and others. The regions include North America, South America, Europe, Middle East & Africa, and Asia Pacific. North America is expected to continue to dominate the market, followed by Asia Pacific and Europe. The increasing demand for home equity loans in these regions is expected to drive the growth of the Home Equity Loan market. Recent developments include: In April 2022, Redfin a real estate company based in Seattle (United States) acquired Bay Equity Home Loans with a sum of USD 137.8 Million. The merger accelerates Redfin’s strategy for expanding its business with customers to buy, sell, rent, and finance a home., In July 2022, Ontario Teachers’ Pension Plan Board acquired HomeQ which exists as a parent company of HomeEquity Bank, from Birch Hill Equity Partners Management Inc. HomeEquity Bank exist as a Canadian Bank offering a range of reverse mortgage solutions product and Ontario Teachers' Pension Plan Board is a global investor.. Key drivers for this market are: Increase In Sales of Household Units, Higher Duration of Repayment. Potential restraints include: Increase In Sales of Household Units, Higher Duration of Repayment. Notable trends are: Access to Large Amount of Loan.

Canada Residential Mortgages: Funds Advanced: Uninsured: Fixed Rate: <1 Yr data was reported at 8.280 % pa in Feb 2025. This records an increase from the previous number of 8.190 % pa for Jan 2025. Canada Residential Mortgages: Funds Advanced: Uninsured: Fixed Rate: <1 Yr data is updated monthly, averaging 4.965 % pa from Jan 2013 (Median) to Feb 2025, with 146 observations. The data reached an all-time high of 8.290 % pa in Oct 2024 and a record low of 4.300 % pa in May 2013. Canada Residential Mortgages: Funds Advanced: Uninsured: Fixed Rate: <1 Yr data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M008: New and Existing Lending: Residential Mortgages. [COVID-19-IMPACT]

Canada Residential Mortgages: Outstanding Balances: Uninsured: Fixed Rate: <1 Yr data was reported at 6.490 % pa in Feb 2025. This records a decrease from the previous number of 6.590 % pa for Jan 2025. Canada Residential Mortgages: Outstanding Balances: Uninsured: Fixed Rate: <1 Yr data is updated monthly, averaging 4.210 % pa from Jul 2016 (Median) to Feb 2025, with 104 observations. The data reached an all-time high of 6.590 % pa in Jan 2025 and a record low of 3.720 % pa in Nov 2016. Canada Residential Mortgages: Outstanding Balances: Uninsured: Fixed Rate: <1 Yr data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M008: New and Existing Lending: Residential Mortgages. [COVID-19-IMPACT]

Canada Residential Mortgages: Outstanding Balances: Uninsured: Fixed Rate: 5 Yrs & Over data was reported at 3.190 % pa in Feb 2025. This records an increase from the previous number of 3.170 % pa for Jan 2025. Canada Residential Mortgages: Outstanding Balances: Uninsured: Fixed Rate: 5 Yrs & Over data is updated monthly, averaging 2.865 % pa from Jul 2016 (Median) to Feb 2025, with 104 observations. The data reached an all-time high of 3.190 % pa in Feb 2025 and a record low of 2.550 % pa in Feb 2022. Canada Residential Mortgages: Outstanding Balances: Uninsured: Fixed Rate: 5 Yrs & Over data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M008: New and Existing Lending: Residential Mortgages. [COVID-19-IMPACT]