{"id":125,"date":"2026-03-09T13:51:05","date_gmt":"2026-03-09T13:51:05","guid":{"rendered":"https:\/\/donemortgage.ca\/blogs\/?p=125"},"modified":"2026-06-09T21:43:06","modified_gmt":"2026-06-09T21:43:06","slug":"why-banks-are-pushing-fixed-rates","status":"publish","type":"post","link":"https:\/\/donemortgage.ca\/blogs\/why-banks-are-pushing-fixed-rates\/","title":{"rendered":"Why Your Bank is Pushing Fixed Rates (And Why You Might Say No)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Why Banks Are Pushing Fixed Rates<\/strong> has become a common question among Canadian homeowners as bond yields rise and lenders increase fixed mortgage pricing despite the Bank of Canada holding rates steady.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><br>I\u2019ve spent the last week in my Brampton office speaking with homeowners who are feeling a very specific kind of whiplash. The Bank of Canada just announced they are holding the policy rate at <strong>2.25%<\/strong>, yet people are walking into their banks and being quoted higher rates than last month.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#1-decoding-the-fixed-rate-trap\">1. Decoding the &#8220;Fixed Rate Trap&#8221;<\/a><\/li><li><a href=\"#2-why-the-banks-security-is-a-sales-tactic\">2. Why the Bank\u2019s &#8220;Security&#8221; is a Sales Tactic<\/a><\/li><li><a href=\"#3-the-done-mortgage-advantage-for-self-employed-gta-pros\">3. The &#8220;Done Mortgage&#8221; Advantage for Self-Employed GTA Pros<\/a><\/li><li><a href=\"#march-2026-frequently-asked-questions\">March 2026: Frequently Asked Questions<\/a><\/li><li><a href=\"#faq-question-1773064075698\">Wait, why did my bank quote me a higher fixed rate if the BoC held at 2.25%?<\/a><\/li><li><a href=\"#faq-question-1773064109960\">What is the current &#8220;Stress Test&#8221; I need to pass?<\/a><\/li><li><a href=\"#faq-question-1773064126231\">Is 2026 actually a good time to buy in Brampton or Toronto?<\/a><\/li><li><a href=\"#faq-question-1773064143017\">I\u2019m self-employed\u2014will a variable rate hurt my approval?<\/a><\/li><li><a href=\"#links\">Links<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">What\u2019s going on?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The truth is, while the central bank is standing still, the bond market is moving fast. Government of Canada bond yields have recently ticked up to <strong>2.7%<\/strong> due to geopolitical energy shifts. This has created a massive disconnect: <strong>Variable rates are stable, but fixed rates are suddenly getting expensive.<\/strong> If your bank is currently &#8220;strongly suggesting&#8221; you lock into a 5-year fixed rate, you need to ask yourself whose interests they are protecting.<\/p>\n\n\n\n<h3 id=\"1-decoding-the-fixed-rate-trap\" class=\"wp-block-heading\"><strong>1. Decoding the &#8220;Fixed Rate Trap&#8221;<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It is a common mistake to think the Bank of Canada controls every rate you see. They don&#8217;t.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Variable Side:<\/strong> These rates move only when the BoC moves its prime rate (currently 2.25%).<\/li>\n\n\n\n<li><strong>The Fixed Side:<\/strong> These are essentially a prediction of the future, <a href=\"https:\/\/www.bankofcanada.ca\/rates\/indicators\/capacity-and-inflation-pressures\/\" data-type=\"link\" data-id=\"https:\/\/www.bankofcanada.ca\/rates\/indicators\/capacity-and-inflation-pressures\/\" rel=\"nofollow noopener\" target=\"_blank\">influenced by those <strong>2.7%<\/strong> bond yields.<\/a> If you are looking for ways to avoid this trap and protect your renewal, read our <a href=\"https:\/\/donemortgage.ca\/blogs\/the-2026-gta-mortgage-survival-guide-how-to-beat-the-payment-shock-and-secure-your-future\/\" target=\"_blank\" rel=\"noreferrer noopener\">2026 GTA Mortgage Survival Guide<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Because bond yields are volatile right now, banks are nervous. When they push a fixed rate, they are asking <em>you<\/em> to pay a premium for &#8220;security.&#8221; But in 2026, where we expect rates to eventually stabilize around <strong>3.25% by 2030<\/strong>, locking in at a peak today could cost you thousands in the long run.<\/p>\n\n\n\n<h3 id=\"2-why-the-banks-security-is-a-sales-tactic\" class=\"wp-block-heading\"><strong>2. Why the Bank\u2019s &#8220;Security&#8221; is a Sales Tactic<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Whenever the news cycle gets loud with talk of inflation or energy shifts, banks use that fear to sell fixed-rate contracts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But look at the actual 2026 data. Home affordability actually improved in <strong>12 of 13<\/strong> major Canadian cities in January. In Toronto, the average price dropped by <strong>$7,100<\/strong>. The market isn&#8217;t spiraling\u2014it\u2019s adjusting. Choosing a variable rate isn&#8217;t &#8220;gambling&#8221;; it&#8217;s a strategic bet that you can handle short-term noise to win on long-term flexibility.<\/p>\n\n\n\n<h3 id=\"3-the-done-mortgage-advantage-for-self-employed-gta-pros\" class=\"wp-block-heading\"><strong>3. The &#8220;Done Mortgage&#8221; Advantage for Self-Employed GTA Pros<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are self-employed in Ontario, the rate is only half the battle. Most banks look at your tax returns and see &#8220;risk.&#8221; We look at your business and see &#8220;equity.&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We specialize in <strong>repositioning files<\/strong> using corporate add-backs and retained earnings <em>before<\/em> we ever hit &#8220;submit&#8221; to a lender. Whether we choose a variable stability path or a shorter-term fixed, our goal is to ensure your file is structured for approval\u2014not just another &#8220;declined&#8221; notice from a bank that doesn&#8217;t understand your positioning.<\/p>\n\n\n\n<h3 id=\"march-2026-frequently-asked-questions\" class=\"wp-block-heading\"><strong>March 2026: Frequently Asked Questions<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1773064075698\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Wait, why did my bank quote me a higher fixed rate if the BoC held at 2.25%?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Your bank is watching the bond market, not just the BoC. With bond yields rising to <strong>2.7%<\/strong>, fixed rates are being repriced upward regardless of what the central bank does.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773064109960\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the current &#8220;Stress Test&#8221; I need to pass?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u00a0As of January, the average 5-year fixed rate was <strong>4.40%<\/strong>, meaning you must prove you can afford a mortgage at roughly <strong>6.40%<\/strong>.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773064126231\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is 2026 actually a good time to buy in Brampton or Toronto?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, but for a different reason than you think. Inventory has rebuilt to <strong>4.9 months<\/strong> of supply. It\u2019s a buyers&#8217; market, meaning you have the leverage to negotiate price, even if rates aren&#8217;t &#8220;crashing&#8221; yet.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773064143017\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>I\u2019m self-employed\u2014will a variable rate hurt my approval?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Not if the file is structured correctly. By using <strong>deposit analysis<\/strong> and <strong>corporate income add-backs<\/strong>, we can often show a much stronger financial position than a standard T4 employee.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 id=\"links\" class=\"wp-block-heading\">Links<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a target=\"_blank\" rel=\"noreferrer noopener\">CRA Home Buyers Plan Rules<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.cmhc-schl.gc.ca\/consumers\/home-buying?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">CMHC First-Time Home Buyer Resources<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-incentive-in-canada-is-it-actually-worth-it\/\">First-Time Home Buyer Mortgage<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/donemortgage.ca\/blogs\/rrsp-first-time-home-buyer-rules-canada\/\">FHSA Guide RRSP vs TFSA<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/donemortgage.ca\/blogs\/mortgage-broker-toronto\/\">Mortgage Broker Toronto<\/a><\/li>\n\n\n\n<li><\/li>\n<\/ul>\n\n\n        <div class=\"rttpg-block-postgrid rttpg-block-wrapper rttpg-block-8ec1bf tpg-filter-type-dropdown meta-visibility-show section-title-style-style1 img_hover_animation_default title-default title_position_default title_hover_border_default meta_position_default tpg-is-author-icon-default author-image-visibility-icon tpg-category-position-default readmore-btn-default-style grid-hover-overlay-type-always grid-hover-overlay-height-default hover-overlay-height-default tpg-title-border-default filter-nex-prev-btn-visible tpg-cat-style1 slider-scroll-hide act-label-style-inline\">\n            <div class=\"rt-container-fluid rt-tpg-container tpg-el-main-wrapper tpg-gutenberg clearfix grid-layout1-main\"\n                 id=\"rt-tpg-container-3561164867\"\n                 data-layout=\"grid-layout1\"\n                 data-grid-style=\"tpg-full-height\" data-sc-id=\"elementor\"\n                 data-el-settings=''\n                 data-el-query=''\n                 data-el-path=''>\n\t\t\t\t                <div class='tpg-header-wrapper '>\n\t\t\t\t\t\n        <div class=\"tpg-widget-heading-wrapper rt-clear heading-style1 \">\n            <span class=\"tpg-widget-heading-line line-left\"><\/span>\n\t\t\t<h2 class='tpg-widget-heading'>\n\t\t\t            <a href=\"#\"  >\n\t\t\t\t\n\t\t\t\t                    <span>\n\t\t\t\t\t\tBlog\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t            <\/a>\n\n\t\t\t\t\t<\/h2>            <span class=\"tpg-widget-heading-line line-right\"><\/span>\n\n\t\t\t\n        <\/div>\n\n\t\t\n\t\t                <\/div>\n\n                <div class=\"rt-row rt-content-loader gutenberg-inner grid-layout1 grid-behaviour tpg-full-height grid_layout_wrapper\">\n\t\t\t\t\t\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 default rt-grid-item post-295 post type-post status-publish format-standard has-post-thumbnail hentry category-mortgage\"\t\tdata-id=\"295\">\n\t<div class=\"rt-holder tpg-post-holder \">\n\t\t<div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"295\" href=\"https:\/\/donemortgage.ca\/blogs\/minimum-down-payment-ontario\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/07\/Minimum-Down-Payment-Ontario-2026-guide-showing-5-10-and-20-rules.webp\"\n                             class=\"rt-img-responsive\"\n                             width=\"768\"\n                             height=\"512\"\n                             alt=\"Minimum Down Payment Ontario 2026 guide showing 5%, 10% and 20% rules\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"295\" href=\"https:\/\/donemortgage.ca\/blogs\/minimum-down-payment-ontario\/\" class=\"tpg-post-link\" target=\"_self\">Minimum Down Payment in Ontario: Rules, Examples and Common Mistakes<\/a><\/h3><\/div>\n\t\t\t\n\t\t\t\t<div class=\"post-meta-tags rt-el-post-meta\">\n\t\t\t\t\t            <span class=\"author \">\n\n\t\t\t\t<i class=\"fa fa-user \"><\/i><span class=\"author-prefix\">By<\/span><a href=\"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/\">Swati Malik<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"categories-links\">\n\t\t\t\t<i class=\"fas fa-folder-open \"><\/i><a class=\"mortgage\" href=\"https:\/\/donemortgage.ca\/blogs\/category\/mortgage\/\">Mortgage<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"date\">\n\t\t\t\t<i class=\"far fa-calendar-alt \"><\/i>\t\t\t\t                    <a href=\"https:\/\/donemortgage.ca\/blogs\/2026\/07\/22\/\">\n\t\t\t\t\tJuly 22, 2026\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tThe minimum down payment in Ontario depends on the purchase price of the home. It is not always a&#8230;\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"295\" href=\"https:\/\/donemortgage.ca\/blogs\/minimum-down-payment-ontario\/\" class=\"tpg-post-link\" target=\"_self\">Read More<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 default rt-grid-item post-285 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\"\t\tdata-id=\"285\">\n\t<div class=\"rt-holder tpg-post-holder \">\n\t\t<div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"285\" href=\"https:\/\/donemortgage.ca\/blogs\/fhsa-canada-how-contributions-tax-deductions-and-withdrawals-work\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-17-2026-03_52_05-AM.webp\"\n                             class=\"rt-img-responsive\"\n                             width=\"768\"\n                             height=\"512\"\n                             alt=\"FHSA Canada: How Contributions, Tax Deductions and Withdrawals Work\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"285\" href=\"https:\/\/donemortgage.ca\/blogs\/fhsa-canada-how-contributions-tax-deductions-and-withdrawals-work\/\" class=\"tpg-post-link\" target=\"_self\">FHSA Canada: How Contributions, Tax Deductions and Withdrawals Work<\/a><\/h3><\/div>\n\t\t\t\n\t\t\t\t<div class=\"post-meta-tags rt-el-post-meta\">\n\t\t\t\t\t            <span class=\"author \">\n\n\t\t\t\t<i class=\"fa fa-user \"><\/i><span class=\"author-prefix\">By<\/span><a href=\"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/\">Swati Malik<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"categories-links\">\n\t\t\t\t<i class=\"fas fa-folder-open \"><\/i><a class=\"uncategorized\" href=\"https:\/\/donemortgage.ca\/blogs\/category\/uncategorized\/\">Uncategorized<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"date\">\n\t\t\t\t<i class=\"far fa-calendar-alt \"><\/i>\t\t\t\t                    <a href=\"https:\/\/donemortgage.ca\/blogs\/2026\/07\/16\/\">\n\t\t\t\t\tJuly 16, 2026\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tSaving for a first home has never been easy, particularly in Ontario where home prices remain well&#8230;\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"285\" href=\"https:\/\/donemortgage.ca\/blogs\/fhsa-canada-how-contributions-tax-deductions-and-withdrawals-work\/\" class=\"tpg-post-link\" target=\"_self\">Read More<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 default rt-grid-item post-284 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\"\t\tdata-id=\"284\">\n\t<div class=\"rt-holder tpg-post-holder \">\n\t\t<div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"284\" href=\"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-in-ontario-programs-down-payment-and-closing-costs\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/07\/First-Time-Home-Buyer-in-Ontario.webp\"\n                             class=\"rt-img-responsive\"\n                             width=\"768\"\n                             height=\"512\"\n                             alt=\"First-Time-Home-Buyer-in-Ontario\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"284\" href=\"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-in-ontario-programs-down-payment-and-closing-costs\/\" class=\"tpg-post-link\" target=\"_self\">First-Time Home Buyer in Ontario: Programs, Down Payment and Closing Costs<\/a><\/h3><\/div>\n\t\t\t\n\t\t\t\t<div class=\"post-meta-tags rt-el-post-meta\">\n\t\t\t\t\t            <span class=\"author \">\n\n\t\t\t\t<i class=\"fa fa-user \"><\/i><span class=\"author-prefix\">By<\/span><a href=\"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/\">Swati Malik<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"categories-links\">\n\t\t\t\t<i class=\"fas fa-folder-open \"><\/i><a class=\"uncategorized\" href=\"https:\/\/donemortgage.ca\/blogs\/category\/uncategorized\/\">Uncategorized<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"date\">\n\t\t\t\t<i class=\"far fa-calendar-alt \"><\/i>\t\t\t\t                    <a href=\"https:\/\/donemortgage.ca\/blogs\/2026\/07\/16\/\">\n\t\t\t\t\tJuly 16, 2026\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tBuying your first home usually becomes real long before you receive the keys. It may start when you&#8230;\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"284\" href=\"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-in-ontario-programs-down-payment-and-closing-costs\/\" class=\"tpg-post-link\" target=\"_self\">Read More<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/div>                <\/div>\n\n\t\t\t\t\n            <\/div>\n        <\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Why Banks Are Pushing Fixed Rates has become a common question among Canadian homeowners as bond yields rise and lenders increase fixed mortgage pricing despite the Bank of Canada holding rates steady. I\u2019ve spent the last week in my Brampton office speaking with homeowners who are feeling a very specific kind of whiplash. The Bank [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-125","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"Swati Malik","author_link":"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/donemortgage.ca\/blogs\/category\/uncategorized\/\" rel=\"category tag\">Uncategorized<\/a>","rttpg_excerpt":"Why Banks Are Pushing Fixed Rates has become a common question among Canadian homeowners as bond yields rise and lenders increase fixed mortgage pricing despite the Bank of Canada holding rates steady. I\u2019ve spent the last week in my Brampton office speaking with homeowners who are feeling a very specific kind of whiplash. The Bank&hellip;","_links":{"self":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/125","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/comments?post=125"}],"version-history":[{"count":3,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/125\/revisions"}],"predecessor-version":[{"id":240,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/125\/revisions\/240"}],"wp:attachment":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/media?parent=125"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/categories?post=125"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/tags?post=125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}