{"id":1207,"date":"2026-03-02T09:01:19","date_gmt":"2026-03-02T14:01:19","guid":{"rendered":"https:\/\/www.realestategtatoday.ca\/index.php\/2026\/03\/02\/gta-mortgage-trends-variable-rates-gain-traction-in-2026\/"},"modified":"2026-03-02T09:01:19","modified_gmt":"2026-03-02T14:01:19","slug":"gta-mortgage-trends-variable-rates-gain-traction-in-2026","status":"publish","type":"post","link":"https:\/\/www.realestategtatoday.ca\/index.php\/2026\/03\/02\/gta-mortgage-trends-variable-rates-gain-traction-in-2026\/","title":{"rendered":"GTA Mortgage Trends: Variable Rates Gain Traction in 2026"},"content":{"rendered":"

New data from Rates.ca reveals a shifting landscape in the GTA mortgage market. While fixed-rate mortgages remain the dominant choice, variable-rate interest is showing renewed appeal among borrowers. This trend follows the Bank of Canada’s rate reductions throughout 2025, which totaled 75 basis points. <\/p>\n

Rates.ca reports variable-rate mortgage quotes climbed from 11-18% in 2024 to nearly 30% in 2025, settling at just over 26% in January 2026. Despite this increase, fixed-rate mortgages continue to account for over 70% of quotes, highlighting the ongoing preference for payment predictability amidst economic uncertainty. Experts suggest borrowers are weighing stability carefully, with fixed rates offering long-term security. Approximately 60% of Canadian mortgages are up for renewal in 2025 and 2026.<\/p>\n

Want to learn more? Read the full article on mpamag.com.<\/p>\n

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Source: Read the original article<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Variable-rate mortgages are gaining traction in the GTA as interest rates shift, but fixed rates still dominate. Find out what this means for Toronto buyers!<\/p>\n","protected":false},"author":2,"featured_media":1206,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[178,206],"tags":[388,182,215,212,207,322],"class_list":["post-1207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-data","category-residential","tag-fixed-rates","tag-gta","tag-housing-market","tag-mortgage-rates","tag-toronto","tag-variable-rates"],"_links":{"self":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/posts\/1207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/comments?post=1207"}],"version-history":[{"count":0,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/posts\/1207\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/media\/1206"}],"wp:attachment":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/media?parent=1207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/categories?post=1207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/tags?post=1207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}