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    <title>HomeWise Weekly Mortgage Newsletter</title>
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    <description>Weekly Canadian mortgage rate and housing market analysis from HomeWise.</description>
    <language>en-CA</language>
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      <title>Bank of Canada Holds at 4.45%: What It Means for Your Mortgage</title>
      <link>https://homewise.immo/newsletter/boc-holds-rate-may-2026</link>
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      <pubDate>Mon, 25 May 2026 08:00:00 GMT</pubDate>
      <description>The Bank of Canada left its overnight rate unchanged at 4.45% for a third consecutive meeting. Here's what the hold signals for fixed and variable borrowers heading into the summer market.</description>
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      <title>Spring Market Cooldown: Canadian Home Prices Soften in May</title>
      <link>https://homewise.immo/newsletter/spring-market-cooldown-2026</link>
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      <pubDate>Mon, 18 May 2026 08:00:00 GMT</pubDate>
      <description>After a brisk start to the year, national sales activity eased in May and inventory climbed. We break down what a more balanced market means for buyers and sellers this season.</description>
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      <title>Fixed vs. Variable in 2026: The Gap Narrows</title>
      <link>https://homewise.immo/newsletter/fixed-vs-variable-2026</link>
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      <pubDate>Mon, 11 May 2026 08:00:00 GMT</pubDate>
      <description>The historic discount on variable rates has shrunk. With fixed and variable pricing closer than they have been in years, here is a clear framework for choosing between them.</description>
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      <title>The 2026 Renewal Wave: How to Prepare for a Higher Payment</title>
      <link>https://homewise.immo/newsletter/renewal-wave-2026</link>
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      <pubDate>Mon, 04 May 2026 08:00:00 GMT</pubDate>
      <description>Hundreds of thousands of Canadians who locked in at rock-bottom rates are renewing this year — often at double the rate. Here is how to soften the shock before your term ends.</description>
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