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Bond Yields Are Nearing 5%: What It Means for Your Mortgage and HELOC

  Published September 11, 2026 Something is happening in the bond market this week that matters more to your wallet than the daily swings in the TSX. The yield on the 10-year US Treasury note closed in on 5% on Friday — 4.95% , its highest level since 2023 and approaching territory not seen since 2007 — after climbing 18 basis points in a single week. Canadian bond yields have followed the same path: the 10-year Government of Canada bond hit its highest level in over two years earlier this month, and the 5-year bond — the one that actually sets your fixed mortgage rate — has drifted up to roughly 3.41%, about a quarter-point higher than it was a month ago. If you're renewing a mortgage, shopping for a HELOC, or just trying to figure out whether now is the moment to lock in, here's what's actually going on and what it means for your payments. Why bond yields, not the Bank of Canada, are driving fixed rates right now It's a common mix-up: people watch the Bank of Canada...
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Maternal Immunization: A Crucial Aspect of Prenatal Care



Respiratory syncytial virus (RSV) is a common and contagious virus that primarily affects the respiratory system, particularly in young children. It can cause symptoms similar to a cold, such as coughing, sneezing, and a runny or stuffy nose. While RSV is usually mild in healthy individuals, it can lead to severe respiratory problems, especially in infants and older adults. RSV is the leading cause of hospitalization in children under the age of one in Canada .

Health Canada has approved a new Pfizer vaccine, Abrysvo, to combat RSV. The vaccine is intended for newborns, from birth to six months of age, who would receive antibodies through maternal immunization, and for people over the age of 60 — both groups who are particularly vulnerable to RSV.

It is important to note that pregnant women are not included in the list of groups who should receive the vaccine .

If you have any concerns about RSV or the vaccine, it is best to contact a qualified medical professional before engaging in any physical activity, or making any changes to your diet, medication or lifestyle .

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