Bank of Canada Maintains Policy Rate at 2¼% | Dec 10, 2025

Dec 10, 2025: The Bank of Canada today kept its overnight rate target at 2.25%, signaling stability amid global trade shifts and resilient growth in Canada’s economy, which hit 2.6% in Q3. Inflation remains near the 2% target, with core measures steady between 2-3%, supporting a balanced outlook for homebuyers and sellers in Grey Bruce.

What You Can Do Next

If you are a homeowner, buyer, or seller, this is a good time to revisit your plans:

• Review your current mortgage: Know whether you are in a fixed or variable product and how future rate changes could affect your payments.
• Get pre-approved or updated: If you are thinking about buying, an updated pre-approval can help you understand your true budget in today’s rate environment.
• Talk strategy for 2026: If you plan to move, refinance, or invest next year, use this period of relative stability to map out your steps.

Looking Ahead

Final Thoughts

As a real estate professional, this type of announcement is a reminder that your real estate decisions are closely connected to the broader economic landscape. If you want to understand how this interest rate decision affects your specific situation—or the local housing market in your area—reach out to discuss your goals and options.

Disclaimer: This blog is for informational purposes only and does not constitute financial or legal advice. Always consult with qualified professionals for guidance specific to your circumstances.

Read the Press Release.

Whether you’re a homeowner, prospective buyer, or real estate investor, understanding these market changes is crucial. As your trusted REALTOR®, I’m here to help you navigate these shifts and make informed decisions! Call, text, email, or DM me to chat about how this announcement affects your real estate plans!

susanmoffat.ca

519.377.5154
susan.moffat@c21.ca