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Where rate shocks have gone before

Canada 5-year conventional mortgage rate (posted), monthly, 1975–Oct 2026

Unit: %
Where rate shocks have gone beforeThe posted 5-year rate hit 21.75% in August 1981. Today's 6.19% posted rate is a fraction of that, applied to far bigger debts. Unit: %. Posted rate, monthly. Use left and right arrow keys to inspect observations. The data table follows the chart.Where rate shocks have gone before5-year conventional (posted)%0%5%10%15%20%25%Jan 1975Jun 1985Nov 1995Apr 2006Sep 2016Oct 2026Homies Research, using Bank of Canada / Statistics Canada · Through 2026-10Posted rate, monthlyHOMIES RESEARCH
Oct 20265-year conventional (posted) 6.19%

The posted 5-year rate hit 21.75% in August 1981. Today's 6.19% posted rate is a fraction of that, applied to far bigger debts.

Source: Homies Research, using Bank of Canada / Statistics Canada. Reference: 2026-10. Release date not supplied by source feed. Retrieved 2026-10-27.

Posted rate, monthly · Posted rates are a benchmark; borrowers usually pay less. Household debt relative to income is far higher than in 1981.

CSVChart permalink ↗
View accessible data table · 1 series, 622 observations

Showing the latest 12 observations.

Where rate shocks have gone before. Unit: %. Posted rate, monthly
Period5-year conventional (posted)
Nov 20256.09%
Dec 20256.09%
Jan 20266.09%
Feb 20266.09%
Mar 20266.09%
Apr 20266.09%
May 20266.09%
Jun 20266.09%
Jul 20266.09%
Aug 20266.09%
Sep 20266.09%
Oct 20266.19%

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