🏡 January 2026 Mortgage Newsletter | Mortgages with Jade

Happy New Year!

Hi everyone,

I hope you had a wonderful holiday season and are feeling refreshed heading into 2026. Whether you’re a homeowner, future buyer, REALTOR®, or just someone who likes to stay informed about the market,  I wanted to kick off the year by sharing a quick mortgage and housing update.

Inside you’ll find:

• A snapshot of current mortgage rates

• Key Bank of Canada insights & rate announcement dates

• What’s happening in the Saskatchewan housing market

• A quick note on referrals & incentives

📊 Current Mortgage Rate Snapshot

(Rates change frequently — these are for reference only)

• 5-Year Fixed: 3.94% – 3.99%

• 3-Year Fixed: 3.94%-4.04%

• Variable Rate: 3.70%-3.75%

• Prime Rate: 4.45% – from ratehub.ca

If you’re planning to buy, renew, or refinance this year, getting a personalized quote and strategy matters far more than just chasing the lowest posted rate.

Bank of Canada: What to Know Right Now

The Bank of Canada (BoC) controls the policy interest rate, which directly influences the prime rate set by lenders. Changes to this rate mainly affect variable and adjustable-rate mortgages, but they also influence fixed rates indirectly through market expectations.

Why this matters to you:

• Variable-rate mortgages move when prime changes

• Payment amounts or amortizations can shift on adjustable mortgages

• Fixed rates are impacted by bond markets reacting to BoC guidance

• Timing purchases, renewals, or refinances around these decisions can save (or cost) real money

Even when rates don’t change, the messaging from the Bank often moves the market.

Bank of Canada Rate Announcement Dates – 2026

Here are the scheduled dates when the Bank of Canada will announce potential rate changes this year:

• January 28

• March 18

• April 29

• June 10

• July 15

• September 2

• October 28

• December 9

Tip: The announcements in January, April, July, and October also include a Monetary Policy Report, which provides deeper insight into inflation, economic outlook, and future rate direction.

• Mortgages with variable rates, adjustable mortgages, or upcoming renewals — these dates matter.

📍 Saskatchewan Housing Market Insights

Here’s what I’m seeing and what’s being reported locally as we head into 2026:

1. Continued demand across Saskatchewan

   Our market has remained relatively resilient compared to many larger Canadian cities, with steady buyer interest.

2. Affordability still attracts buyers

   Saskatchewan continues to offer comparatively accessible price points, especially for first-time buyers and relocations.

3. Balanced conditions in many areas

   While some pockets remain competitive, we’re seeing more thoughtful decision-making from buyers — strategy matters more than ever.

🤝 Referrals & Realtor Incentives

I’m currently offering great referral incentives for REALTORS® and anyone in my network who refers a friend, family member, or client that successfully funds a mortgage with me.

If you’re in real estate, finance, or simply know someone who needs mortgage advice this year feel free to reach out and ask how it works.

📞 Let’s Chat

Have questions about rates, renewals, buying, refinancing, or what 2026 might look like for you?