{"id":1867,"date":"2026-07-16T08:02:02","date_gmt":"2026-07-16T13:02:02","guid":{"rendered":"https:\/\/www.realestategtatoday.ca\/index.php\/2026\/07\/16\/bank-of-canada-holds-at-2-25-what-this-means-for-your-gta-mortgage\/"},"modified":"2026-07-16T08:02:02","modified_gmt":"2026-07-16T13:02:02","slug":"bank-of-canada-holds-at-2-25-what-this-means-for-your-gta-mortgage","status":"publish","type":"post","link":"https:\/\/www.realestategtatoday.ca\/index.php\/2026\/07\/16\/bank-of-canada-holds-at-2-25-what-this-means-for-your-gta-mortgage\/","title":{"rendered":"Bank of Canada Holds at 2.25%: What This Means for Your GTA Mortgage"},"content":{"rendered":"<p>The Bank of Canada has officially hit the pause button again, maintaining its policy rate at 2.25% for the sixth consecutive announcement. With this decision, the central bank signals a continued &#8216;wait-and-see&#8217; approach as economic uncertainty\u2014driven by global geopolitical tensions and lingering US tariff impacts\u2014overshadows recent inflationary pressures. Despite May\u2019s inflation rate ticking up to 3.2%, the consensus among industry experts was clear: 91% of mortgage professionals surveyed correctly predicted this steady hold. For GTA homeowners and prospective buyers, this means variable-rate mortgages and HELOCs will remain unchanged for now. As we look toward the September 2nd announcement, all eyes remain on Governor Tiff Macklem for any shift in the bank&#8217;s long-term outlook. To understand how this stability impacts your specific financial position, read the full report at <a href=\"https:\/\/www.mpamag.com\/ca\/mortgage-industry\/market-updates\/bank-of-canada-announces-july-rate-decision\/582465\">MPA Mag<\/a>.<\/p>\n<p><!-- RealEstateToday Source Article --><\/p>\n<div style=\"display:none\" data-original-url=\"https:\/\/www.mpamag.com\/ca\/mortgage-industry\/market-updates\/bank-of-canada-announces-july-rate-decision\/582465\"><\/div>\n<p><em>Source: <a href=\"https:\/\/www.mpamag.com\/ca\/mortgage-industry\/market-updates\/bank-of-canada-announces-july-rate-decision\/582465\" target=\"_blank\" rel=\"noopener\">Read the original article<\/a><\/em><\/p>\n<p><!-- RealEstateToday Instagram Handles --><\/p>\n<div style=\"display:none\" data-instagram-handles=\"@bankofcanada\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Bank of Canada keeps rates at 2.25%. Discover what this stability means for your mortgage and the future of the GTA housing market.<\/p>\n","protected":false},"author":2,"featured_media":1866,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[178],"tags":[260,182,213,298,399],"class_list":["post-1867","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-data","tag-bank-of-canada","tag-gta","tag-interest-rates","tag-mortgage","tag-toronto-real-estate"],"_links":{"self":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/posts\/1867","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=1867"}],"version-history":[{"count":0,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/posts\/1867\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/media\/1866"}],"wp:attachment":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/media?parent=1867"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/categories?post=1867"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/tags?post=1867"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}