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Niagara Region Market Stats • 8 November 2025

🏦 Mortgage Rates Show Signs of Relief

by Barbara Scarlett

Good news for borrowers — mortgage rates edged lower by the end of October 2025.

✅ Best advertised rates:

  • 3-Year Fixed: 3.89% insured | 3.94% uninsured
  • 5-Year Fixed: 3.69% insured | 3.99% uninsured
  • 5-Year Variable: 3.45% insured | 3.90% uninsured

The Bank of Canada policy rate remains at 2.25%, with a prime rate of 4.45%.
Lower rates may encourage new activity, but remember —
affordability still depends on qualification rules and personal finances.

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