What’s behind your mortgage rate Here’s what determines the interest rate on your mortgage—and why that rate can go up and down.

Carbon dioxide emissions have been commonly modelled as rising and falling with total output. Yet many factors, such as energy-efficiency improvements and shifts to cleaner energy, can break this ...

We introduce the Canadian Survey of Consumer Expectations indicator. This indicator provides a summary measure of consumer opinions that we can track over time. We construct three underlying ...

We update an assessment of potential changes in payments that mortgage holders could face at renewal in 2025 and 2026. We use ...

Recent policy changes are having a clear impact on the mortgage market. The number of new, highly indebted borrowers has fallen, and overall mortgage activity has slowed significantly.

As the central bank and sole issuer of bank notes in Canada, the Bank of Canada needs to stay on top of payment trends. Every four years, we reach out to Canadians to ask them how they pay for things.

Freer trade lowers prices and boosts economies, yet not everyone benefits equally. Fair policies are essential for balanced growth and widespread prosperity.

View the chronological list of crisis response measures the Bank of Canada took between December 12, 2007 and November 30, 2011.

The Business Outlook Survey (BOS) has become an important part of monetary policy deliberations at the Bank of Canada and is also well known in Canadian policy and financial circles. This paper ...

In this analytical note we show that the share of the systematic variations in the Canadian dollar has risen significantly in the past two decades. Systematic variations in the exchange rate are ...

Foreign investment flows into Government of Canada (GoC) bonds have surged since the financial crisis. Our empirical analysis suggests that foreign flows of $150 billion lowered the 10-year GoC bond ...