Ontario Mortgage Rate Trends: What to Expect in 2026
Mortgage rates in Ontario are shifting — and homeowners need to stay informed. Here’s what’s driving the changes and how to prepare for your next move.
Current Trends
• Fixed rates hovering around 3.79%
• Variable rates near 3.75%
• Reverse mortgages starting at 5.99%
What’s Driving Rates?
• Bank of Canada policy
• Inflation and economic growth
• Global financial markets
What to Watch in 2026
• Potential rate cuts if inflation stabilizes
• Increased competition among lenders
• More flexible products for self-employed and retirees
How We Help
We monitor the market daily and match you with the best products — whether you’re buying, renewing, or refinancing.
Want personalized rate advice? Contact us today!
CONTACT
support
cs@trillionsequoia.com
+1 (289) 633-6868
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Trillion Sequoia Financial International Inc., operating as Trillion Sequoia Financial, is licensed by the Financial Services Regulatory Authority of Ontario (FSRA), License #13795.
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65C West Beaver Creek Road
Richmond Hill, ON, L4B 1K4, Canada
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