The Bank of Canada announces potential changes to the overnight lending rate on eight pre-scheduled dates each year. These interest rate announcements play a critical role in influencing mortgage rates in Manitoba and across Canada, making it essential for homeowners, buyers, and investors to stay informed.

If you’re planning to buy a home, renew your mortgage, or refinance in 2026, keeping track of these dates can help you make smarter financial decisions.

2026 Bank of Canada Interest Rate Announcement Dates

All announcements are scheduled to be released at 9:45 AM Eastern Time (ET) on the following dates:

• Wednesday, January 28, 2026
• Wednesday, March 18, 2026
• Wednesday, April 29, 2026
• Wednesday, June 10, 2026
• Wednesday, July 15, 2026
• Wednesday, September 2, 2026
• Wednesday, October 28, 2026
• Wednesday, December 9, 2026

These announcements are key indicators for Manitoba mortgage rates and can affect both fixed and variable rate mortgages.

Why Do Interest Rate Announcements Matter for Your Mortgage?

When the Bank of Canada adjusts its policy interest rate, it can directly impact:

• Variable mortgage rates
• Lines of credit
• Renewal options
• Refinancing opportunities
• Debt servicing costs

Understanding how these changes affect you can save you thousands of dollars over the life of your mortgage. That’s why it’s important to speak with a licensed Manitoba mortgage broker who can guide you through your best options.

Talk to a Local Mortgage Expert Today

Do you have questions about how the 2026 Bank of Canada interest rate announcements might affect your mortgage? Whether you're buying a home, renewing, or refinancing, our team of experienced Manitoba mortgage brokers is here to help.

Call us today at 204-954-7620 to speak with a knowledgeable mortgage professional.

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At One Link Mortgage & Financial, we’re proud to be named the 2025 Regional Brokerage – Prairies Award of Excellence winner for the third year in a row, as well as the inaugural recipient of the Canadian Brokerage Award of Excellence. We are committed to delivering trusted, personalized service to every client we serve in Winnipeg and across Manitoba.