07/30/2025 - Bank of Canada holds its key interest rate steady at 2.75%

Rate Hold, Not a Green Light.
The Bank of Canada held its key rate at 2.75% today while the U.S. tariff deadline hangs over August. Two forces now pull our market in opposite directions:

  • Imported‑inflation risk: Tariffs can lift input costs and weaken CAD—pushing fixed mortgage rates up before any BoC move.
  • Domestic slowdown: A hold signals caution, not celebration. Sellers who wait for a “spring bounce” might be waiting on a bus that isn’t coming.
My read: This is a timing market, not a trend market. The winners will be the ones who act between headline swings.Plays I’m making with clients:
  • Buyers: Lock a rate if you plan to shop in the next 60–90 days; keep a second pre‑approval ready in case bond yields pop on tariff news.
  • Sellers: Price to the next price cut, not the last comp. Days-on-market is the new currency.
  • Investors: Underwrite at today’s rates and a +50–75 bps shock. If it still cashflows, you own a real asset—not a wish.
Watch these 5 dials this month:
5‑yr GoC yield • CAD/USD • Builder incentives • Condo months‑of‑inventory • Core CPI trend.
Quiet moves here will beat loud headlines.Want your if/then game plan in 15 minutes? I’ll build one around your address, mortgage, and timeline.
#AHOMRealty #MarketStrategy #CanadaHousing #InterestRates #PreConstruction #Downsizing