Michael Friedman — Premier Mortgage Advisement
Mortgage Minute The forces moving Canadian mortgage rates, in sixty seconds, and what they mean for your clients.
Michael Friedman Michael Friedman
Mortgage Broker · Dominion Lending Centres – A Better Way
On My Radar

[Optional topical note — what happened or what it means. Leave the whole block out on days you have nothing topical.]

GoC bond yields and economic indicators

Why these matter: Government of Canada bond yields are the main input lenders use to price fixed mortgages, so fixed rates tend to track them over time.

Current Rate Ranges Variable to 5-Year Fixed X.XX% – X.XX%

There are thousands of unique combinations of loan types, terms, and lender programs; a buyer’s exact rate is customized to their specific situation. The daily Rate Ranges give you a reliable baseline, but we always run the actual scenario to give your clients an honest, precise, personalized quote.

Implied Probabilities (BoC)
Next meeting
Jul 15, 2026
Odds of move: 7%
Implied move: +25 bps
Following meeting
Sep 2, 2026
Odds of move: 20%
Implied move: +25 bps
Market-implied chances of a Bank of Canada rate move at the next two scheduled meetings, with the implied change in basis points. Derived from overnight index swap pricing. As of [DATE].
Collaborative Marketing Resources

The Upsizer Smart Move Campaign

A ready-to-run client campaign for move-up buyers: a five-email sequence plus supporting pieces that walk a homeowner through the move-up decision — the idea, the math, a client story, and a soft introduction to mortgage planning. Built for you to deploy to your own database, end to end.

Click here to learn more →
Prestige Club Top 2% 2025 Champion Hall of Fame Award Elite Hall of Fame Award Dominion Lending Centres

Michael Friedman, Mortgage Broker (Lic. #088907), Dominion Lending Centres – A Better Way. Licensed in BC and Alberta. An independent mortgage resource available to RE/MAX Westcoast agents and their clients; not the exclusive or in-house broker of RE/MAX Westcoast. Agents and clients are free to use any mortgage professional.

604-657-1684 · michael@michaelfriedmanamp.com · michaelfriedmanamp.com

Instagram Facebook