The BoC Held Rates — But Read the Fine Print
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The Bank of Canada held its policy rate at 2.25% this week for the fifth straight time, with Governor Macklem openly admitting that war, tariffs, and oil make 2026 anyone's guess. What most people missed is the fine print: the Bank described future hikes as "consecutive increases" while easing got a single "cut" — and central bankers choose those words deliberately. In the full episode, I break down why the bond market is pricing a hike by December, and why fixed-leaning terms now model out cheapest even if hikes don't arrive until 2028. If you're renewing or buying in the next year, this episode is definitely worth your time.
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