Section
Market trends, rates and indexes
Dated Bank of Canada rates for refinancing decisions, how to use a price index to move a value between dates, assessment systems compared across cities, and how appraisals behave when prices move.
Using a house price index to adjust a value between datesHow to use a house price index to move a value between dates: adjust an old assessment or a comparable sale to the valuation date. Uses and limits.Read →Property assessments compared across Canadian citiesToronto, Vancouver, Calgary, Montréal, Winnipeg, Halifax and more: who assesses, the valuation date, the appeal deadline and fee in each city, from official pages.Read →Interest rates and refinancing: what the Bank of Canada data saysBank of Canada data for refinancing decisions: policy rate 2.50% (2026-10-29), 5-year posted 6.19%, new uninsured 5-year+ fixed 4.58%. What they mean for equity take-out.Read →Appraisals in a shifting market: how much cushion your plan needsHow a shifting housing market changes appraisals and refinance room in Canada: OSFI's extra caution in fast-rising markets, and how much cushion your plan needs.Read →