Inflation Down, Rates Stuck — What Every Homeowner With A Renewal Coming Up Needs to Know!

Canada’s CPI Falls to 2.2%… But Don’t Be Fooled | What It Means for Your Mortgage in 2025–2026 This week, I break down the latest Canadian inflation data and why the headline number isn’t telling the full story. Yes — CPI dropped to 2.2%, but underlying pressures, sticky shelter costs, and a weakening labour market are sending mixed signals. Even with slower growth and softer jobs data, the Bank of Canada isn’t expected to adjust policy rates until late 2025, meaning borrowers need a clear strategy heading into renewals. In this episode, I cover: 📌 What’s Really Behind the Drop to 2.2% Inflation • Why headline CPI looks better than the underlying data • What shelter, rent, and mortgage interest costs are still showing • Consumer spending trends and how households are feeling the squeeze 📌 Why the Bank of Canada Still Won’t Cut Rates Until 2026 • Weak jobs and slowing GDP aren’t enough on their own • The core inflation measures the BoC actually cares about • Why policymakers are signaling a long “wait-and-see” approach • What could shift the timeline 📌 What 2026 Could Look Like • Risks of a late-cycle slowdown • Potential easing path once the BoC gains confidence • How rate cuts may unfold and how quickly mortgages could adjust 📌 Mortgage Strategy: What to Do If You’re Approaching Renewal • Should you consider going variable right now? • Is a short-term fixed safer in 2025? • How to position yourself for the expected rate cuts in 2026 • Practical steps to reduce payment shock and protect your cash flow Whether you’re renewing, buying, or just watching the market closely, this week’s episode will help you make informed mortgage decisions as we head into an uncertain 2025 and a potentially pivotal 2026. 🔔 Subscribe for more Canadian mortgage insights, market updates, and real-world strategies every week. 💬 Questions or topics you’d like covered next? Drop them in the comments below! Let’s stay InTouch. _______________________________ 📲 Stay Connected 🌐 Website: www.intouchmortgagesolutions.com 📞 Office: 905.266.9986 📧 Email: [email protected] 📲 Free App Download: https://getmy.mortgage/99s5dp2l0#/qui... 👉 Instagram: @intouchmortgages | @a_venuto ________________________________________ #CanadaInflation #CPICanada #BankOfCanada #BoCRates #InterestRatesCanada #CanadianEconomy #MortgageRenewal #MortgageAdvice #VariableRate #FixedRateVsVariable #CanadianHousingMarket #RealEstateCanada #RateCut2026 #MortgageTips #InTouchMortgageSolutions #AnthonyVenuto #FinanceFriday #CanadaMortgageRates #EconomicUpdateCanada #PersonalFinanceCanada