You will have heard by now that the Bank of Canada did NOT cut its overnight rate on December 10th 2025 yet I still hear buyers who believe the rate will go down on at the next announcement on January 28, 2026.
What are the experts predicting for 2026?
Major Canadian Banks Predictions for 2026
Overall no rate decrease follow link for details
Trish Pigott, Mortgage Broker, Primex Mortgages
Her sources suggest a rate increase NO decrease
“the prediction is that we will see it start to rise by the end of 2026. The market no longer expects any additional rate cuts and is pricing in roughly three 0.25% rate hikes between 2027-2030.”
TD economic Latest Forecast is via this link
TD suggest NO rate decrease
Polymarket The World’s Largest Prediction Market
Bank of Canada decision in January?
94 percent NO rate decrease verify current prediction via this link
Conclusion: From the experts and the predictors, NO rate decrease is going to happen and a potential for a rate INCREASE. So as a buyer it is a good time to take advantage of lower prices AND as a seller it is a good time to consider strongly the offers you get because if rates go up less buyers will qualify to buy. Give me a call to chat more at 604-626-8903 so I can help you plan your future real estate projects.
Contact me for a Free up to date market evaluation on your property today.
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Note: This article offers you general information only and not to be considered specific professional advice for your situation. Let us meet for you to have information specific to your needs so you can make an educated decision on your real estate needs.
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Sincerely,
David Hennessey
REALTOR®
eXp Realty
604 626 8903
