Market Pulse · Richmond Hill · Markham · Vaughan

The two numbers shaping your next move

Updated automatically from official Bank of Canada data — no guesswork, no hype.

— Asal Matinsadeghy, Royal LePage Signature Realty

Bank of Canada policy rate

2.25%

— unchanged

as of 2026-07-15

5-year conventional mortgage

6.09%

— unchanged

as of 2026-07-15

What this means for you

Rates decide what buyers can afford — and buyer affordability decides what your home sells for. When rates ease, more buyers qualify and demand firms up; when rates climb, pricing and preparation matter twice as much. Either way, the homeowners who win are the ones who know their numbers before they need them.

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Renovate before selling — or sell as-is? 🔨

An honest 60-second read on the $100K question. No email needed to see your result.

What is your home actually worth right now? 🏡

A private analysis prepared personally — not an automated estimate.

What can you actually afford at today's rates? 📋

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Rate data: Bank of Canada Valet API (official). This page is general information, not financial advice. Asal Matinsadeghy, Real Estate Sales Representative, Royal LePage Signature Realty.