{"id":3543,"date":"2021-03-04T10:39:13","date_gmt":"2021-03-04T18:39:13","guid":{"rendered":"https:\/\/wiibid.com\/?p=3543"},"modified":"2021-03-04T10:39:13","modified_gmt":"2021-03-04T18:39:13","slug":"are-mortgage-rates-going-up-in-2021","status":"publish","type":"post","link":"https:\/\/wiibid.com\/?p=3543","title":{"rendered":"Are Mortgage Rates Going Up In 2021?"},"content":{"rendered":"
\n

With the pandemic affecting many in different ways, the surprising consistency and growth of the Canadian housing market throughout 2020 and early 2021 has experts stunned. Though many factors play a part in this, the outcome is as expected: home prices have skyrocketed in urban centers and local markets are running red-hot!\u00a0<\/span><\/p>\n

According to <\/span>BNN<\/span><\/a> the average sales price for a home in Toronto exceeded the average of $1 million for the first time ever in February 2021. This culminates in a 14.9% growth compared to the <\/span>pre-pandemic<\/i><\/b> February of 2020. But Toronto is not alone, in February 2021 Vancouver has seen a huge 73% year-over-year rise in residential home sales compared to last year’s February, as reported by the <\/span>Vancouver Sun<\/span><\/a>. How did we get to this point? The answer: <\/span>deceptively low <\/b>Mortgage Rates. Canadian Mortgage Trends annual revues for <\/span>2019<\/span><\/a> and <\/span>2020<\/span><\/a> offer a deeper understanding of how mortgage rate fluctuations may have driven a strong market despite the pandemic:<\/span><\/p>\n

 <\/p>\n

What was the average Canadian\u00a0mortgage rate in 2019?<\/h2>\n

The average Canadian prime mortgage rate at the end of 2019 was 3.95%. This is the rate used by prime lending establishments such as banks, but let us also consider other indicative rates:<\/span><\/p>\n\n\n\n\n\n\n\n\n
Rate Indicator<\/span><\/td>\nRate At The End Of 2019<\/span><\/td>\n<\/tr>\n
Bank of Canada Overnight Rate<\/span><\/td>\n1.75%<\/span><\/td>\n<\/tr>\n
Prime Rate<\/span><\/td>\n3.95%<\/span><\/td>\n<\/tr>\n
Avg. 5-Year Discounted Fixed Rate<\/span><\/td>\n2.61%<\/span><\/td>\n<\/tr>\n
Avg. Discounted Variable Rate<\/span><\/td>\n2.77%<\/span><\/td>\n<\/tr>\n
5-Year Posted Rate<\/span><\/td>\n5.19%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Source: <\/span>Canadian Mortgage Trends<\/span><\/a><\/p>\n

 <\/p>\n

What was the average Canadian\u00a0mortgage rate in 2020?<\/h2>\n

The average Canadian prime mortgage rate at the end of 2020 was 2.45%. This small 1.5% difference actually represents a fall of <\/span>37.98% <\/b>year-over-year. To compare, let us look at the same indicative rates for 2020:<\/span><\/p>\n\n\n\n\n\n\n\n\n
Rate Indicator<\/span><\/td>\nRate At The End Of 2020<\/span><\/td>\nChange From 2019<\/span><\/td>\n<\/tr>\n
Bank of Canada Overnight Rate<\/span><\/td>\n0.25%<\/span><\/td>\n–<\/span>85.71%<\/b>\u00a0\u00a0<\/span><\/td>\n<\/tr>\n
Prime Rate<\/span><\/td>\n2.45%<\/span><\/td>\n–<\/span>37.98%<\/b><\/td>\n<\/tr>\n
Avg. 5-Year Discounted Fixed Rate<\/span><\/td>\n1.52%<\/span><\/td>\n–<\/span>41.76%<\/b><\/td>\n<\/tr>\n
Avg. Discounted Variable Rate<\/span><\/td>\n1.17%<\/span><\/td>\n–<\/span>57.76%<\/b><\/td>\n<\/tr>\n
5-Year Posted Rate<\/span><\/td>\n4.79%<\/span><\/td>\n–<\/span>7.71%<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Source: <\/span>Canadian Mortgage Trends<\/span><\/a><\/p>\n

As you can see from the direct end of year comparison, the fall in mortgage rates last year was dramatic, so much so that they look more like a Black Friday Flyer than interest rates! That is not all, according to <\/span>RateHub<\/span><\/a> the Historical Discounted 5-year Mortgage Rates actually fell to <\/span>1.39% in February<\/b>.\u00a0<\/span><\/p>\n

 <\/p>\n

Are Canadian Mortgage Rates Going To Keep Dropping?<\/b><\/h2>\n

Unfortunately, Canadian mortgage rates are not likely to drop any further than this. In fact, they have already started to increase. From the direct comparison above, it may seem like this is the time to buy; imagine saving almost 40% on your interest. According to the <\/span>Canadian Government\u2019s Mortgage Calculator<\/span><\/a>, this means that if you took out a $1 million, 5-year fixed mortgage in 2020 instead of 2019 you would have saved <\/span>up to <\/b>$25.000<\/b><\/em> on interest rates at the end of your term!<\/span><\/p>\n

This is why the market is running hot. Many people, especially younger generations, have been able to save disposable income due to pandemic closures, which they have now invested in real-estate, since the rates have hit historical lows! This means that in today\u2019s market, cash is king: <\/span>click here to discover the other trends driving the BC Real-Estate market in 2021!<\/span><\/a><\/p>\n

That being said, <\/span>RateHub<\/span><\/a> found that though the 5-year fixed mortgage rates fell to <\/span>1.39%<\/b> in February, they have risen again to an average of <\/span>1.60% <\/b>at the beginning of March 2021. Many other news outlets, such as <\/span>CTV News<\/span><\/a>, <\/span>BNN<\/span><\/a>, or <\/span>Global News<\/span><\/a>, have already started to urge buyers and borrowers to be cautious of suddenly rising rates in the coming weeks and months.<\/span><\/p>\n

 <\/p>\n

Is Now A Good Time To Get A Mortgage?<\/b><\/h2>\n

Considering the data and upcoming trends, <\/span>right now<\/b> is a good time to get a mortgage with a <\/span>fixed<\/b> rate<\/b>, as this means that your interest rates won\u2019t change during the term of your loan. <\/span>Variable rates<\/b> are a different story altogether. <\/span>RateHub<\/span><\/a> indicates that variable mortgage rates have actually <\/span>dipped below 1%<\/b> for the first time in history in January and February this year, <\/span>BUT<\/b><\/em> on March 1st 2021 the same variable rates have already started to increase to 1.25%. This means that if you took out a mortgage in February, and your first payment was $1,000, your March payment will be $1,250.<\/span><\/p>\n

This is the reason as to why the <\/span>variable <\/b>rates dropped by 57.76%, compared to the much lower 41.76% drop on 5-year <\/span>fixed <\/b>rates, and why variable rates are now at a much lower interest percentage than fixed rates. Lenders are looking to lure you in with crazy low rates, which they can then <\/span>increase<\/b> to \u2018normal\u2019 levels once the economy and pandemic situations have stabilized.<\/span><\/p>\n

 <\/p>\n

How Can You Secure A Low Mortgage Rate Today?<\/b><\/h2>\n

With the crazy demand outpacing supply last month, getting your dream property will get more difficult, as many houses will sell well over their actual value (<\/span>learn more about home value assessments here<\/span><\/a>). With many places selling over asking prices, mortgage amounts and financing needs subsequently increase as well. This, coupled with deceptively low variable rates, can result in you going over budget when purchasing, and ending up with a sudden unpleasant surprise on your month to month mortgage bill.<\/span><\/p>\n

Don\u2019t let it get to this point and borrow smarter with the\u00a0 <\/span>WiiBid platform<\/b>! Our system is designed around your needs and so that you have full control!\u00a0 You only have to spend 15 minutes to submit a single, customized application, where you can <\/span>request specific mortgage interest rates<\/b>, <\/span>amortization periods<\/b>, <\/span>types of mortgages<\/b>.\u00a0<\/span><\/p>\n

We then securely \u2018auction\u2019 your application to our network of established Canadian mortgage lenders, who \u2018bid\u2019 mortgage offers based on what you asked for. This gives you a range of affordable options to choose from and allows you to pick the mortgage that truly fulfills your financial needs!<\/span><\/p>\n

So Why Not Register & Apply Today?<\/b><\/a><\/h3>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

With the pandemic affecting many in different ways, the surprising consistency and growth of the Canadian housing market throughout 2020 and early 2021 has experts stunned. Though many factors play a part in this, the outcome is as expected: home prices have skyrocketed in urban centers and local markets are running red-hot!\u00a0 According to BNN […]<\/p>\n","protected":false},"author":4,"featured_media":3550,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,3],"tags":[12,11,29,7,18,6,28],"class_list":["post-3543","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-important-news","tag-canadian-homeowner","tag-canadian-mortgage","tag-canadian-mortgage-rates","tag-canadian-real-estate","tag-credit-score","tag-mortgage","tag-mortgage-rate"],"yoast_head":"\nAre Mortgage Rates Going Up In 2021? - WiiBid Blog<\/title>\n<meta name=\"description\" content=\"Canadian mortgage rates have dropped to a record low, and the market is heating up. 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