Loan & Rate News
Bank of Canada decisions, lending data, and rule changes that affect what you pay to borrow — reported in plain English.
HousingCanada Housing Starts July 2026: 6 Real Facts on a 5% Drop
Canada housing starts July 2026 fell 5% to a 229,074 annual pace, and actual starts dropped 19% year over year. What CMHC's data means for renters.
EconomyCanada Inflation July 2026 Hits 3%: 4 Key Facts
Canada inflation July 2026 rose to 3.0%, the top of the Bank of Canada's range. Gasoline and travel drove it, while core measures held near 2%.
BenefitsForm T2201 Changes 2026: 2 Urgent Deadlines to Beat
Form T2201 changes on 8 September when the CRA stops accepting pre-2023 versions. Why it gates $204.20 a month, and why most online guides are out of date.
EconomyCanada Business Counts 2026: 5 Key Facts on a Big Shift
Canada business counts 2026 data shows 3.78 million non-employer businesses and 1.37 million employers. What the new StatCan figures mean for working Canadians.
EconomyCanada Insolvencies Q2 2026: 5 Urgent Facts on a 2009 High
Canada insolvencies Q2 2026 reached 37,523 consumer filings — the most in any quarter since 2009. What the new OSB data means for households carrying debt.
Consumer CreditMinimum Credit Card Payments: 1 in 4 Canadians Expect Them
Minimum credit card payments are what 25% of Canadians expect to make, a new Equifax Canada survey finds — with another 7% expecting to fall behind.
Industrygoeasy Q2 2026: Originations Fall a Stark 70%
goeasy Q2 2026 results show loan originations down 70% to $272.1 million as Canada's largest non-prime lender pulls back sharply on new credit.
EconomyCanada Jobs Report July 2026: 5 Signals for Borrowers
Canada jobs report July 2026: employment rose 75,000 and unemployment fell to 6.4%, a two-year low. What the numbers mean for rates and borrowing.
EconomyCanada Trade Surplus June 2026: 5 Key Facts and a Warning
The Canada trade surplus widened to $3.9B in June as exports hit a record $77.5B. Five key facts — and why a weaker loonie flatters the headline numbers.
BankingBank NSF Fee Class Actions: $43M Refunded to Canadians
Bank NSF fee class actions have now cost Canada's Big Five over $43 million. Here's every settlement, who gets paid, and how the lawsuits forced the $10 cap.
Personal FinanceOntario Rent Increase Guideline 2027: 5 Key Facts at 1.9%
The Ontario rent increase guideline 2027 is set at 1.9%, down from 2.1%. See the 5 key facts, which units are exempt, and the notice rules that apply.
EconomyCar Ownership Costs Canada: 5 Key Numbers as Insurance Leads
Car ownership costs Canada drivers face are now led by insurance, up 29.4% in four years. See the 5 key CPI numbers and what they mean for budgets.
EconomyCanada Average Weekly Earnings 2026: 5 Key Numbers
Canada average weekly earnings 2026 hit $1,337.77 in May, up 3.4%. See 5 key numbers from Statistics Canada and what stalled job vacancies mean for budgets.
EconomyCanada US Tariffs 2026: 5 Key Facts on a Fresh Threat
Canada US tariffs 2026: Trump's threatened 50% duty could hit $20B+ of exports by Aug 19. What it means for your prices, jobs and borrowing costs.
Personal FinanceCanada Debt Service Ratio 2026: 3 Key Warning Signs
The Canada debt service ratio 2026 rose to 14.75% in Q1 as debt payments outpaced income and savings slipped. Here's what it means and how to lower yours.
Cost of LivingCanada Wildfire Insurance 2026: 3 Key Warning Signs
Canada wildfire insurance 2026 is a fast-rising fixed cost: after a brutal 2025 season, premiums are up 45% since 2019. Here's how to protect your budget.
EconomyCanada GDP 2026: 5 Key Facts on a Stall, Rebound and Warning
Canada GDP 2026 stalled at 0.0% in Q1 after a Q4 decline, yet April surged 0.5%. Here's what a fragile, stall-then-rebound economy means for borrowers.
HousingCanada Home Sales 2026: 5 Key Reasons for a Fresh Downturn
Canada home sales 2026 are set to fall 1.4% after CREA's downward revision. What a cooler housing market means for first-time buyers and borrowers.
EconomyCanada Consumer Insolvencies 2026: 3 Key Facts Behind the Surge
Canada consumer insolvencies 2026 hit their highest level since 2009, with 37,121 filings in Q1. What record debt filings mean for everyday borrowers.
NewsCanada Retail Sales Rose 1% in May 2026 — But on Prices
Canada retail sales rose 1.0% to $73.7B in May 2026, a fifth straight gain. But the jump was led by pricier gas, not more buying. What it means for borrowers.
RatesBank of Canada: A Sixth Consecutive Hold in July 2026
The Bank of Canada sixth consecutive hold keeps the policy rate at 2.25%. What the pause, the 0.7% growth forecast and September 2 mean for borrowers.
RatesBank of Canada Holds at 2.25% for a Sixth Straight Time
The Bank of Canada held its rate at 2.25% on July 15, 2026 — a sixth straight hold, as forecast. What the six-week gap to September 2 means for borrowers.
CreditCanada Credit Scores Improving: TransUnion Sees 1 in 5 Up
Canada's credit scores are improving: TransUnion finds 1 in 5 Canadians moved up in the past year. What the improvers did — and how to join them in 2026.
CreditLenders Are Tightening Credit in Canada: Equifax Q1 2026
Equifax's Q1 2026 data: lenders in Canada cutting card limits 15–20% for higher-risk borrowers and approvals at a four-year low. What it means if you borrow.
PolicyCanada Budget 2026 Consultation: 5 Powerful Ways to Respond
Canada Budget 2026 consultation is open until September 8. Learn how to submit specific, evidence-based affordability and finance feedback.
BankingRBC Credit Card Refunds 2026: 7 Critical Account Checks
RBC credit card refunds 2026 followed statement errors affecting 227,947 accounts. Learn what FCAC confirmed and how to review an old account safely.
Personal FinanceCanada Lifestyle Shrinkflation 2026: 7 Urgent Lessons
Canada lifestyle shrinkflation 2026 data shows where budgets are tightening. See 7 findings and a practical plan to protect your next paycheque.
HousingCanada Housing Starts June 2026: 7 Critical Buyer Facts
Canada housing starts June 2026 fell 6% from May. See the supply, completion and city data that buyers and renters should use before deciding.
Student FinanceCanada Student Loan Limit 2026: 7 Essential Aid Facts
Canada student loan limit 2026 rules keep federal aid at $300 per week. See 7 key facts, grant amounts, income thresholds and application steps.
EconomyCanada Inflation Expectations 2026: 7 Powerful, Cautious Insights
Canada inflation expectations 2026: see 7 Q2 survey findings on prices, spending and jobs, plus a no-prediction checklist for household budgets.
BankingNSF Fee Cap Canada: 7 Powerful Protections That Save Money
NSF fee cap Canada rules now limit bank charges to $10. Learn 7 protections, what is not covered, and how to challenge an incorrect fee.
BenefitsCanada Child Benefit July 2026: New Payment Amounts
The Canada Child Benefit July 2026 update raises the maximum to $8,157 per child under 6 and $6,883 for ages 6 to 17, paid July 20. Here's what you get.
NewsGrocery Prices in Canada Keep Climbing: July 2026
Grocery prices in Canada rose 4.3% in the year to May 2026, a 16th straight month above overall inflation. See the drivers and what to do about it.
NewsAverage Rent in Canada Falls Again: July 2026 Update
The average rent in Canada eased to $2,033 in June 2026, down 4.3% from a year ago — a 21st straight month of annual declines. Here's what it means.
NewsGas Prices in Canada Surge: July 2026 Update
Gas prices in Canada surged about 5.3¢ overnight to roughly 173¢/L on July 10, 2026. See regional prices and how to absorb a fuel spike without costly debt.
RatesBank of Canada Interest Rate Decision: July 2026
The Bank of Canada interest rate decision on July 15, 2026 is expected to hold at 2.25%. Here's what a held policy rate means for personal-loan borrowers.
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