For mortgage brokers who want to explain the Bank of Canada, inflation, and bond yields clearly without writing every update from scratch.
Create one clear update, publish it as a newsletter and a shareable blog post, and stay visible with sourced data behind every message.
No credit card required. Keep your current CRM and email workflow.
✓Sourced macro data✓Newsletter + hosted blog post✓Works with your existing workflow✓EN / FR publishing
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Built for mortgage professionals who want a simple way to publish useful market updates and stay visible.
Macro briefings + key indicator widgets
One update → newsletter + blog post
Shareable link for every update
Sourced, timestamped data on every update
Bilingual publishing (EN/FR)
No credit card required. Keep your current CRM and email workflow.
Create once, share in two formats
Publish one update as a newsletter and a blog post. Same message, two ways to share it.
Live example
What the latest BoC hold means for variable vs fixed
AT
Alex Tremblay·March 18, 2026·3 min read
What happened
The Bank of Canada held the overnight rate at 2.25 % on March 18. Third consecutive hold. GDP contracted 0.6 % in Q4 2025 and CPI eased to 1.8 %, but elevated uncertainty and Middle East energy risks kept the Bank cautious.
What it means for borrowers
Energy-related inflation risk from the Middle East conflict has pushed 5-year Government of Canada bond yields higher, to 3.167 %. That upward pressure on bonds is filtering into fixed mortgage pricing — discounted five-year fixed rates have drifted up near 3.89 %. Variable rates, meanwhile, remain unchanged at prime 4.45 % since the BoC held steady.
5-YEAR GOC BOND YIELD
3.167 %▲ +12 bps
Variable vs fixed
Fixed near 3.89 % gives certainty, but the rising bond yields mean the gap between fixed and variable is narrowing. If the BoC resumes cutting later this year, variable at prime minus 0.80 % could outperform. Break even: one to two additional cuts.
ℹ️Key Takeaways
BoC held at 2.25 % for a third straight meeting. Next decision April 29.
Fixed rates near 3.89 %; variable unchanged at prime 4.45 %.
Break even: one to two more cuts would favour variable over fixed.
