25 datasets found
  1. T

    Canada Interest Rate

    • tradingeconomics.com
    • ko.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jun 4, 2025
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    TRADING ECONOMICS (2025). Canada Interest Rate [Dataset]. https://tradingeconomics.com/canada/interest-rate
    Explore at:
    csv, xml, json, excelAvailable download formats
    Dataset updated
    Jun 4, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Feb 7, 1990 - Jun 4, 2025
    Area covered
    Canada
    Description

    The benchmark interest rate in Canada was last recorded at 2.75 percent. This dataset provides - Canada Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  2. Canada Mortgage and Housing Corporation, conventional mortgage lending rate,...

    • www150.statcan.gc.ca
    • thelearningbarn.org
    • +4more
    Updated Jun 16, 2025
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    Government of Canada, Statistics Canada (2025). Canada Mortgage and Housing Corporation, conventional mortgage lending rate, 5-year term [Dataset]. http://doi.org/10.25318/3410014501-eng
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    Dataset updated
    Jun 16, 2025
    Dataset provided by
    Statistics Canadahttps://statcan.gc.ca/en
    Area covered
    Canada
    Description

    This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...).

  3. Average mortgage interest rate in Canada 2019-2023, by type of mortgage

    • statista.com
    • ai-chatbox.pro
    Updated Sep 9, 2024
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    Statista (2024). Average mortgage interest rate in Canada 2019-2023, by type of mortgage [Dataset]. https://www.statista.com/statistics/1203196/average-mortgage-interest-rate-canada-by-type/
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    Dataset updated
    Sep 9, 2024
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    Canada
    Description

    In 2023, mortgage interest rates in Canada increased for all types of mortgages. The interest rate for fixed mortgage interest rates for five years and more doubled, from 2.38 percent to 5.52 percent between December 2021 and December 2023. The higher borrowing costs led to the housing market contracting in 2022 and corrections of the property prices across the country.

  4. Mortgage Rates By Banks in Canada

    • rates.ca
    Updated Jul 24, 2024
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    RATESDOTCA (2024). Mortgage Rates By Banks in Canada [Dataset]. https://rates.ca/mortgage-rates
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    Dataset updated
    Jul 24, 2024
    Dataset provided by
    RATESDOTCA Group Ltd.
    Authors
    RATESDOTCA
    Time period covered
    2001 - 2023
    Area covered
    Canada
    Variables measured
    Mortgage rates
    Description

    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.

  5. Mortgage interest rates in selected countries worldwide 2024

    • statista.com
    • ai-chatbox.pro
    Updated Jun 20, 2025
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    Statista (2025). Mortgage interest rates in selected countries worldwide 2024 [Dataset]. https://www.statista.com/statistics/1211807/mortgage-interest-rates-globally-by-country/
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    Dataset updated
    Jun 20, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jun 2024
    Area covered
    Worldwide
    Description

    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.

  6. The Best Current Mortgage Rates in Canada

    • rates.ca
    Updated Jul 24, 2024
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    RATESDOTCA (2024). The Best Current Mortgage Rates in Canada [Dataset]. https://rates.ca/mortgage-rates
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    Dataset updated
    Jul 24, 2024
    Dataset provided by
    RATESDOTCA Group Ltd.
    Authors
    RATESDOTCA
    Time period covered
    2023 - Present
    Area covered
    Canada
    Variables measured
    Mortgage rates
    Description

    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

  7. Canada Long Term Interest Rate

    • ceicdata.com
    Updated Feb 15, 2025
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    CEICdata.com (2025). Canada Long Term Interest Rate [Dataset]. https://www.ceicdata.com/en/indicator/canada/long-term-interest-rate
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    Dataset updated
    Feb 15, 2025
    Dataset provided by
    CEIC Data
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 1, 2024 - Feb 1, 2025
    Area covered
    Canada
    Variables measured
    Securities Yield
    Description

    Key information about Canada Long Term Interest Rate

    • Canada Government Benchmark Bonds Yield: Month End: 10 Years was reported at 2.90 % pa in Feb 2025, compared with 3.07 % pa in the previous month.
    • Canada Long Term Interest Rate data is updated monthly, available from Jan 1993 to Feb 2025.
    • The data reached an all-time high of 9.28 % pa in Jun 1994 and a record low of 0.46 % pa in Jul 2020.
    • Long Term Interest Rate is reported by reported by Bank of Canada.

    Government Benchmark Bond are rates based on actual mid-market closing yields of selected Canada bond issues that mature approximately in the indicated term areas.


    Related information about Canada Long Term Interest Rate
    • In the latest reports, Canada Short Term Interest Rate: Month End: Treasury Bills Yield: 3 Months was reported at 2.82 % pa in Feb 2025.
    • The cash rate (Policy Rate: Month End: Overnight Target Rate) was set at 3.00 % pa in Feb 2025.
    • Canada Exchange Rate against USD averaged 1.33 (USD/CAD) in Jun 2023.

  8. T

    Canada Chartered Banks Prime Lending Rate

    • tradingeconomics.com
    • tr.tradingeconomics.com
    • +13more
    csv, excel, json, xml
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    TRADING ECONOMICS, Canada Chartered Banks Prime Lending Rate [Dataset]. https://tradingeconomics.com/canada/bank-lending-rate
    Explore at:
    json, excel, xml, csvAvailable download formats
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jan 31, 1955 - Jun 30, 2025
    Area covered
    Canada
    Description

    Bank Lending Rate in Canada remained unchanged at 4.95 percent in June. This dataset provides - Canada Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  9. Financial market statistics, as at Wednesday, Bank of Canada

    • www150.statcan.gc.ca
    • datasets.ai
    • +1more
    Updated Jul 11, 2025
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    Government of Canada, Statistics Canada (2025). Financial market statistics, as at Wednesday, Bank of Canada [Dataset]. http://doi.org/10.25318/1010014501-eng
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    Dataset updated
    Jul 11, 2025
    Dataset provided by
    Government of Canadahttp://www.gg.ca/
    Statistics Canadahttps://statcan.gc.ca/en
    Area covered
    Canada
    Description

    This table contains 38 series, with data starting from 1957 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada), Rates (38 items: Bank rate; Chartered bank administered interest rates - prime business; Chartered bank - consumer loan rate; Forward premium or discount (-), United States dollars in Canada: 1 month; ...).

  10. Monthly inflation rate and bank rate in Canada 2018-2025

    • statista.com
    • ai-chatbox.pro
    Updated Jul 2, 2025
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    Statista (2025). Monthly inflation rate and bank rate in Canada 2018-2025 [Dataset]. https://www.statista.com/statistics/1312251/canada-inflation-rate-bank-rate-monthly/
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    Dataset updated
    Jul 2, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jan 2018 - May 2025
    Area covered
    Canada
    Description

    Canada's inflation rate experienced significant fluctuations from 2018 to 2025. Inflation peaked at *** percent in June 2022 before steadily declining to *** percent by December 2024. In early 2025, inflation began to increase again, rising to *** percent in February, and dropping to *** percent in March. In response to rising inflation between 2020 and 2022, the Bank of Canada implemented aggressive interest rate hikes. The bank rate reached a maximum of **** percent in July 2023 and remained stable until June 2024. As inflationary pressures eased in the second half of 2024, the central bank reduced interest rates to *** percent in December 2024. In 2025, the bank rate witnessed two cuts, standing at ***** percent in May 2025. This pattern reflected broader global economic trends, with most advanced and emerging economies experiencing similar inflationary challenges and monetary policy adjustments. Global context of inflation and interest rates The Canadian experience aligns with the broader international trend of central banks raising policy rates to combat inflation. Between 2021 and 2023, nearly all advanced and emerging economies increased their central bank rates. However, a shift occurred in the latter half of 2024, with many countries, including Canada, beginning to lower rates. This change suggests a new phase in the global economic cycle and monetary policy approach. Notably, among surveyed countries, Russia maintained the highest interest rate in early 2025, while Japan had the lowest rate. Comparison with the United States The United States experienced a similar trajectory in inflation and interest rates. U.S. inflation peaked at *** percent in June 2022, slightly higher than Canada's peak. The Federal Reserve responded with a series of rate hikes, reaching **** percent in August 2023. This rate remained unchanged until September 2024, when the first cut since September 2021 was implemented. In contrast, Canada's bank rate peaked at **** percent and began decreasing earlier, with cuts in June and July 2024. These differences highlight the nuanced approaches of central banks in managing their respective economies amid global inflationary pressures.

  11. Funds advanced, outstanding balances, and interest rates for new and...

    • www150.statcan.gc.ca
    • datasets.ai
    • +3more
    Updated Jul 15, 2025
    + more versions
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    Government of Canada, Statistics Canada (2025). Funds advanced, outstanding balances, and interest rates for new and existing lending, Bank of Canada [Dataset]. http://doi.org/10.25318/1010000601-eng
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    Dataset updated
    Jul 15, 2025
    Dataset provided by
    Government of Canadahttp://www.gg.ca/
    Statistics Canadahttps://statcan.gc.ca/en
    Area covered
    Canada
    Description

    This table contains 102 series, with data starting from 2013, and some select series starting from 2016. This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada), Components (51 items: Total, funds advanced, residential mortgages, insured; Variable rate, insured; Fixed rate, insured, less than 1 year; Fixed rate, insured, from 1 to less than 3 years; ...), and Unit of measure (2 items: Dollars; Interest rate). For additional clarification on the component dimension, please visit the OSFI website for the Report on New and Existing Lending.

  12. T

    MORTGAGE RATE by Country Dataset

    • tradingeconomics.com
    csv, excel, json, xml
    Updated May 28, 2017
    + more versions
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    TRADING ECONOMICS (2017). MORTGAGE RATE by Country Dataset [Dataset]. https://tradingeconomics.com/country-list/mortgage-rate
    Explore at:
    csv, excel, xml, jsonAvailable download formats
    Dataset updated
    May 28, 2017
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    2025
    Area covered
    World
    Description

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

  13. C

    Canada Home Lending Market Report

    • datainsightsmarket.com
    doc, pdf, ppt
    Updated Mar 8, 2025
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    Data Insights Market (2025). Canada Home Lending Market Report [Dataset]. https://www.datainsightsmarket.com/reports/canada-home-lending-market-19604
    Explore at:
    doc, pdf, pptAvailable download formats
    Dataset updated
    Mar 8, 2025
    Dataset authored and provided by
    Data Insights Market
    License

    https://www.datainsightsmarket.com/privacy-policyhttps://www.datainsightsmarket.com/privacy-policy

    Time period covered
    2025 - 2033
    Area covered
    Canada
    Variables measured
    Market Size
    Description

    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.

  14. T

    30 YEAR MORTGAGE RATE by Country Dataset

    • tradingeconomics.com
    csv, excel, json, xml
    Updated Jun 1, 2023
    + more versions
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    TRADING ECONOMICS (2023). 30 YEAR MORTGAGE RATE by Country Dataset [Dataset]. https://tradingeconomics.com/country-list/30-year-mortgage-rate
    Explore at:
    csv, excel, xml, jsonAvailable download formats
    Dataset updated
    Jun 1, 2023
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    2025
    Area covered
    World
    Description

    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.

  15. f

    Canada Interest Rate

    • focus-economics.com
    excel, flat file, pdf
    Updated Feb 1, 2023
    + more versions
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    FocusEconomics S.L.U. (2023). Canada Interest Rate [Dataset]. https://www.focus-economics.com/country-indicator/canada/interest-rate
    Explore at:
    pdf, flat file, excelAvailable download formats
    Dataset updated
    Feb 1, 2023
    Authors
    FocusEconomics S.L.U.
    Time period covered
    1980 - 2028
    Area covered
    Canada
    Description

    FocusEconomics' economic data is provided by official state statistical reporting agencies as well as our global network of leading banks, think tanks and consultancies. Our datasets provide not only historical data, but also Consensus Forecasts and individual forecasts from the aformentioned global network of economic analysts. This includes the latest forecasts as well as historical forecasts going back to 2010. Our global network consists of over 1000 world-renowned economic analysts from which we calculate our Consensus Forecasts. In this specific dataset you will find economic data for Canada Interest Rate.

  16. Mortgage delinquency rate in the U.S. 2000-2025, by quarter

    • statista.com
    • ai-chatbox.pro
    Updated May 27, 2025
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    Statista (2025). Mortgage delinquency rate in the U.S. 2000-2025, by quarter [Dataset]. https://www.statista.com/statistics/205959/us-mortage-delinquency-rates-since-1990/
    Explore at:
    Dataset updated
    May 27, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    United States
    Description

    Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up, but remained stable throughout 2024. In the first quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

  17. Inflation rate and central bank interest rate 2025, by selected countries

    • statista.com
    • ai-chatbox.pro
    Updated Jul 2, 2025
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    Statista (2025). Inflation rate and central bank interest rate 2025, by selected countries [Dataset]. https://www.statista.com/statistics/1317878/inflation-rate-interest-rate-by-country/
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    Dataset updated
    Jul 2, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    May 2025
    Area covered
    Worldwide
    Description

    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.

  18. Average monthly mortgage payment in Canada 2024, by metropolitan area

    • statista.com
    Updated May 13, 2025
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    Statista (2025). Average monthly mortgage payment in Canada 2024, by metropolitan area [Dataset]. https://www.statista.com/statistics/1202932/value-of-monthly-mortgage-payment-canada-by-metropolitan-area/
    Explore at:
    Dataset updated
    May 13, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    Canada
    Description

    The average mortgage payment in the large and mid-sized cities in Canada ranged between 1,300 Canadian dollars and 2,600 Canadian dollars. In the fourth quarter of the year, Vancouver topped the ranking, with homebuyers paying, on average, ***** Canadian dollars monthly. In Toronto, the average monthly scheduled mortgage payment was ***** Canadian dollars. Canada’s housing market House prices in Canada vary widely across the country. In 2023, the average sales price of detached single-family homes in Vancouver was nearly three times as expensive as the national average. Vancouver is undoubtedly considered the least affordable housing market: In 2023, the cost of buying a home with a **-year mortgage in Canada was approximately ** percent of the median household income, whereas in Vancouver, it was nearly *** percent. Development of house prices The development of house prices depends on multiple factors, such as availability on the market and demand. Since 2005, house prices in Canada have been continuously growing. According to the MSL composite house price index, 2021 measured the highest house price increase.

  19. T

    Canada 5Y - Bond Yield | Quote | Chart | Historical | Data

    • tradingeconomics.com
    csv, excel, json, xml
    Updated Jun 3, 2017
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    TRADING ECONOMICS (2017). Canada 5Y - Bond Yield | Quote | Chart | Historical | Data [Dataset]. https://tradingeconomics.com/gcan5y:ind
    Explore at:
    xml, csv, json, excelAvailable download formats
    Dataset updated
    Jun 3, 2017
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jan 1, 2000 - Jul 14, 2025
    Area covered
    Canada
    Description

    Prices for Canada 5Y including live quotes, historical charts and news. Canada 5Y was last updated by Trading Economics this July 14 of 2025.

  20. Home Equity Lending Market Analysis, Size, and Forecast 2025-2029: North...

    • technavio.com
    Updated Jun 23, 2024
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    Technavio (2024). Home Equity Lending Market Analysis, Size, and Forecast 2025-2029: North America (Mexico), Europe (France, Germany, Italy, and UK), Middle East and Africa (UAE), APAC (Australia, China, India, Japan, and South Korea), South America (Brazil), and Rest of World (ROW) [Dataset]. https://www.technavio.com/report/home-equity-lending-market-analysis
    Explore at:
    Dataset updated
    Jun 23, 2024
    Dataset provided by
    TechNavio
    Authors
    Technavio
    Time period covered
    2021 - 2025
    Area covered
    Japan, Europe, Germany, France, Global
    Description

    Snapshot img

    Home Equity Lending Market Size 2025-2029

    The home equity lending market size is forecast to increase by USD 48.16 billion, at a CAGR of 4.7% between 2024 and 2029.

    The market is experiencing significant growth, fueled primarily by the massive increase in home prices and the resulting rise in residential properties with substantial equity. This trend presents a lucrative opportunity for lenders, as homeowners with substantial equity can borrow against their homes to fund various expenses, from home improvements to debt consolidation. However, this market also faces challenges. Lengthy procedures and complex regulatory requirements can hinder the growth of home equity lending, making it essential for lenders to streamline their processes and ensure compliance with evolving regulations.
    Additionally, economic uncertainty and potential interest rate fluctuations may impact borrower demand, requiring lenders to adapt their strategies to remain competitive. To capitalize on market opportunities and navigate challenges effectively, lenders must focus on enhancing the borrower experience, leveraging technology to streamline processes, and maintaining a strong regulatory compliance framework.
    

    What will be the Size of the Home Equity Lending Market during the forecast period?

    Explore in-depth regional segment analysis with market size data - historical 2019-2023 and forecasts 2025-2029 - in the full report.
    Request Free Sample

    The market continues to evolve, shaped by various economic and market dynamics. Fair lending practices remain a crucial aspect, with entities ensuring borrowers' creditworthiness through rigorous risk assessments. Economic conditions, employment history, and credit score are integral components of this evaluation. Mortgage insurance (PMIs) and mortgage-backed securities (MBS) are employed to mitigate risk in the event of default. Verification of income, property value, and consumer protection are also essential elements in the home equity lending process. Housing prices, Homeowners Insurance, and property value are assessed to determine the loan-to-value ratio (LTV) and interest rate risk. Prepayment penalties, closing costs, and loan term are factors that influence borrowers' financial planning and decision-making.

    The regulatory environment plays a significant role in shaping market activities. Consumer confidence, financial literacy, and foreclosure prevention initiatives are key areas of focus. real estate market volatility and mortgage rates impact the demand for home equity loans, with cash-out refinancing and debt consolidation being popular applications. Amortization schedules, mortgage broker involvement, and escrow accounts are essential components of the loan origination process. Market volatility and housing market trends continue to unfold, requiring ongoing risk assessment and adaptation.

    How is this Home Equity Lending Industry segmented?

    The home equity lending industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD million' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments.

    Source
    
      Mortgage and credit union
      Commercial banks
      Others
    
    
    Distribution Channel
    
      Offline
      Online
    
    
    Purpose
    
      Home Improvement
      Debt Consolidation
      Investment
    
    
    Loan Type
    
      Fixed-Rate
      Variable-Rate
    
    
    Geography
    
      North America
    
        US
        Mexico
    
    
      Europe
    
        France
        Germany
        Italy
        UK
    
    
      Middle East and Africa
    
        UAE
    
    
      APAC
    
        Australia
        China
        India
        Japan
        South Korea
    
    
      South America
    
        Brazil
    
    
      Rest of World (ROW)
    

    By Source Insights

    The mortgage and credit union segment is estimated to witness significant growth during the forecast period.

    In the realm of home equity lending, mortgage and credit unions emerge as trusted partners for consumers. These financial institutions offer various services beyond home loans, including deposit management, checking and savings accounts, and credit and debit cards. By choosing a mortgage or credit union for home equity lending, consumers gain access to human advisors who can guide them through the intricacies of finance. Mortgage and credit unions provide competitive rates on home equity loans, making them an attractive option. Consumer protection is a priority, with fair lending practices and rigorous risk assessment ensuring creditworthiness. Economic conditions, employment history, and credit score are all taken into account during the loan origination process.

    Home equity loans can be used for various purposes, such as home improvement projects, debt consolidation, or cash-out refinancing. Consumer confidence plays a role in loan origination, with interest rates influenced by market volatility and economic conditions. Fixed-rate and adjustable-rate loans are available, each with its a

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TRADING ECONOMICS (2025). Canada Interest Rate [Dataset]. https://tradingeconomics.com/canada/interest-rate

Canada Interest Rate

Canada Interest Rate - Historical Dataset (1990-02-07/2025-06-04)

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13 scholarly articles cite this dataset (View in Google Scholar)
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Dataset updated
Jun 4, 2025
Dataset authored and provided by
TRADING ECONOMICS
License

Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
License information was derived automatically

Time period covered
Feb 7, 1990 - Jun 4, 2025
Area covered
Canada
Description

The benchmark interest rate in Canada was last recorded at 2.75 percent. This dataset provides - Canada Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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