{"id":38422,"date":"2025-07-30T09:48:03","date_gmt":"2025-07-30T13:48:03","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=38422"},"modified":"2025-07-30T09:48:04","modified_gmt":"2025-07-30T13:48:04","slug":"bank-of-canada-rate-hold-july-2025","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/bank-of-canada-rate-hold-july-2025\/","title":{"rendered":"No Change Again: The Bank of Canada Announces Third Rate Hold of 2025"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In a widely anticipated announcement, the Bank of Canada decided to hold the overnight lending rate at 2.75% today. This marks the third consecutive rate hold of the year, with the BoC last lowering rates in March 2025.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/www.reuters.com\/world\/americas\/bank-canada-hold-rates-steady-july-30-cut-two-more-times-2025-2025-07-25\/\" target=\"_blank\" rel=\"noreferrer noopener\">Reuters poll<\/a> of economists correctly predicted that today\u2019s announcement would be a rate hold, citing a recent rise in inflation and a fall in unemployment as key reasons. The good news? The same poll also expects two more rate cuts to come later this year.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXdIoQTz6QTsKD-NuzQxKtg64wrBOBratXLvuVT-6wo0O1Cw7ySnYJBsHGKpGP5lATyLpPaX7y_zufExHixHMd0hx8BRF3gljWmdSJKfWBf42soER17Bi-irpqTpO4CpF-Eekr3ZGw?key=sqGJQGJW2KKw4R6VZTfoYg\" alt=\"A chart showing the Bank of Canada interest rate changes from 2022 to 2025. \"\/><\/figure>\n\n\n\n<h1 class=\"wp-block-heading\">We\u2019re Seeing a Slow Summer Revival. Fall Might Be the Real Turning Point<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If Reuters is correct and two more rate cuts are announced in 2025, then the fall real estate market may kick off with a strong improvement in sales.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <\/strong><a href=\"https:\/\/www.zoocasa.com\/blog\/trreb-june-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Longer Days, Slower Sales as June Market Offers Buyer Advantage: TRREB<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Momentum is already slowly building for a revival in the real estate market. From February to May 2025, every month showed a national year-over-year sales decline. June 2025 was the first month since January of this year that national home sales showed an improvement, increasing by 3.5%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">June is typically when the busy spring real estate market begins to slow. While many cities followed that trend and saw a month-over-month decline in sales in June, a few stood out with increases. According to the <a href=\"https:\/\/www.zoocasa.com\/blog\/crea-june-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">Canadian Real Estate Association (CREA)<\/a>, sales rose by 2.3% in Fraser Valley, 4.0% in <a href=\"https:\/\/www.zoocasa.com\/kitchener-on-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Kitchener-Waterloo<\/a>, 5.0% in <a href=\"https:\/\/www.zoocasa.com\/halifax-ns-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Halifax-Dartmouth<\/a>, and 5.7% in <a href=\"https:\/\/www.zoocasa.com\/saskatoon-sk-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Saskatoon<\/a>. If the Bank of Canada cuts rates again, we could see sales pick up not just in these cities, but across more regions nationwide.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s Holding Buyers Back Currently?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Uncertainty surrounding U.S. tariff threats cast a shadow over nearly all economic activity at the beginning of 2025. Understandably, prospective home buyers felt hesitant about making a big financial decision amid a tumultuous trade war.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The resulting slowdown in sales has led to softening home prices in several markets. As of June 2025, the average home price in <a href=\"https:\/\/www.zoocasa.com\/toronto-on-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Toronto<\/a> has dropped by 5.2% from 2024, while <a href=\"https:\/\/www.zoocasa.com\/vancouver-bc-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Vancouver\u2019s<\/a> average price has decreased by 5.5%. Many buyers are now waiting on the sidelines to see how far prices might fall before making a move.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The fall market could bring the perfect trifecta of conditions to draw buyers off the sidelines. If interest rates drop, prices remain soft, and inventory stays high, this could be the rebound buyers have been waiting for all year.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Mortgage Payment Increase Coming to Many, Says BoC<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re one of the <a href=\"https:\/\/www.cmhc-schl.gc.ca\/professionals\/housing-markets-data-and-research\/housing-research\/research-reports\/housing-finance\/residential-mortgage-industry-report\" target=\"_blank\" rel=\"noreferrer noopener\">1.2 million Canadians<\/a> with a mortgage up for renewal this year, you&#8217;re likely facing a higher monthly payment than what you locked in back in 2020. According to new data released in July 2025, the <a href=\"https:\/\/www.bankofcanada.ca\/2025\/07\/staff-analytical-note-2025-21\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bank of Canada predicts that 60%<\/a> of those renewing in 2025 and 2026 will see their payments rise.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <\/strong><a href=\"https:\/\/www.zoocasa.com\/blog\/average-mortgage-payment-2015-to-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>10 Years of Rising Mortgage Payments: The Canadian Cities Hit Hardest<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Most of these borrowers hold five-year, fixed-rate mortgages. However, those with shorter terms may fare better. The BoC estimates that one-quarter of all mortgage holders\u2014many with short-term loans\u2014will actually see their payments decrease by 2026. Meanwhile, just 9% of variable-rate borrowers are expected to face an increase.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXfjd1H-8I-UzZuSEMYQi80yboCCGx4-9jGB2j_z-DncdScPBm3gQgmdt09jPgbQOVEfFLS-vZ9bZSEO5rhnJFf60vAB05xOoqO-B6nxZdAx-FAyFyQ2YufLsVg1K8Y_ROo8qmZt0w?key=sqGJQGJW2KKw4R6VZTfoYg\" alt=\"A chart showing the changes in the average 5-year fixed mortgage rate from 2022 to 2025\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s important to understand your options if you are renewing this year. According to Ratehub, the lowest variable rate is currently at 3.95% while the lowest fixed rate is 3.89%. It\u2019s a good idea to shop around with multiple lenders to find the best deal. Remember, you\u2019re not obligated to stay with your current lender. Choosing the one with the most competitive rate could save you thousands over the life of your mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fixed rates have recently shifted due to changes in the bond market. \u201c The government of Canada five-year bond yield, which underpins the pricing for five-year fixed mortgage rates, has increased to a six-month high, in the 3% range,\u201d says Penelope Graham, mortgage expert at <a href=\"http:\/\/ratehub.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ratehub.ca<\/a>. \u201cThis is largely in response to inflation concerns, as both the Canadian and American June prints surprised on the upside. As a result, a number of lenders have increased their fixed mortgage rates, and could be poised to hike them further.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While fixed rates aren&#8217;t directly affected by the Bank of Canada&#8217;s decision to hold or cut rates, variable rates are. Choosing a variable-rate mortgage means you could benefit from lower monthly payments if additional rate cuts are announced, but it also comes with risk. Be sure to assess your own risk tolerance before committing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the other hand, a fixed-rate mortgage offers stability. With the outcome of U.S. tariffs still uncertain, locking in a rate that won\u2019t change may offer greater peace of mind, especially if you\u2019re a first-time home buyer.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cFixed mortgage rates are on the rise, variable rates look set for stagnancy, and there are early signs that the housing market is heating back up on a month-over-month basis,\u201d adds Graham. \u201cThis means the current affordability conditions enjoyed by buyers are starting to deteriorate. It\u2019s more important than ever to secure a rate hold or full pre-approval when rate shopping to secure access to today\u2019s mortgage pricing.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Considering a move this year? It doesn\u2019t hurt to start looking.<a href=\"https:\/\/www.zoocasa.com\"> <\/a><a href=\"https:\/\/www.zoocasa.com\/search\" target=\"_blank\" rel=\"noreferrer noopener\">Browse thousands of listings on Zoocasa<\/a> and explore what\u2019s possible in today\u2019s market.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In a widely anticipated announcement, the Bank of Canada decided to hold the overnight lending rate at 2.75% today. This marks the third consecutive rate hold of the year, with the BoC last lowering rates in March 2025.&nbsp; A Reuters poll of economists correctly predicted that today\u2019s announcement would be a rate hold, citing a [&hellip;]<\/p>\n","protected":false},"author":132,"featured_media":38423,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[196,1111,172],"tags":[],"class_list":["post-38422","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-of-canada","category-canada","category-mortgage-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Bank of Canada Announces Third Rate Hold of 2025<\/title>\n<meta name=\"description\" content=\"The Bank of Canada held its overnight rate at 2.75% today. 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