Patrick E Hurley

Mortgage Rate 2025 Predictions Canada. While that’s unlikely, most economists. In its most recent rate announcement on september 4, 2025, the bank of canada (boc) cut its key interest rate by another 25 basis points to 4.25%, its third consecutive rate cut in over four.

The bank of canada’s policy rate could act as a barometer for the housing market in 2025, with rate cuts potentially bringing home buyers and sellers off the sidelines. Here’s what experts predict for mortgage rates in the remainder of 2025: