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Lock In or Stay Variable? What Every Canadian Homeowner Must Decide Before April 29

   Bank of Canada headquarters, Ottawa. Overnight rate held at 2.25% since October 2025. Next decision: April 29, 2026.  The Bank of Canada has held its rate at 2.25% for three straight decisions — but with inflation creeping back up, a Middle East conflict pushing oil prices, and over one million mortgage renewals on the horizon, the stakes of getting this wrong have never been higher. The Canadian Money Brief April 25, 2026 6 min read THE CANADIAN MONEY BRIEF BANK OF CANADA 2.25% 2.25% POLICY RATE HELD SINCE OCT. 2025 · THIRD CONSECUTIVE HOLD NEXT DECISION: APR. 29, 2026 If your mortgage is coming up for renewal in the next six to eighteen months, the question keeping you up at night is probably this: do I lock in a fixed rate now — or do I ride out a variable rate and hope the Bank of Canada does something helpful? It's the right question to be asking. And right now, the answer is more complicated — and more consequential — than it has been in years. The Bank of Canada...
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6 Tips for Stress-Free Holiday Travel


Here are some tips to help you avoid holiday travel stress and stay mindful on the go:

  • Prepare for what you can: Don’t wait until the last minute to begin packing. Have your travel information in an accessible place. If you’re arriving late at night, consider locking down transportation beforehand. If it calms you down to read, listen to music, a podcast, or journal while traveling, make sure you have it packed or downloaded.
  • Stay mindful: Take deep breaths, stretch, and stay hydrated. If you’re feeling overwhelmed, take a break and find a quiet place to sit and relax.
  • Be flexible: Flight schedules and weather patterns pay no attention to your plans. Be prepared to adjust your itinerary if necessary.
  • Pack smart: Pack light and only bring what you need. Consider shipping gifts ahead of time to avoid the hassle of carrying them with you.
  • Stay healthy: Wash your hands frequently and wear a mask. If you’re feeling unwell, stay home.
  • Stay positive: Remember that holiday travel is stressful for everyone. Try to stay positive and focus on the good times ahead.

Hopefully these tips will help you have a more enjoyable holiday travel experience! 

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