{"id":65649,"date":"2025-11-03T12:04:00","date_gmt":"2025-11-03T20:04:00","guid":{"rendered":"https:\/\/liv.rent\/blog\/?p=65649"},"modified":"2025-11-21T16:12:22","modified_gmt":"2025-11-22T00:12:22","slug":"bank-of-canada-latest-interest-rates-2025-renters-landlords","status":"publish","type":"post","link":"https:\/\/liv.rent\/blog\/rental-laws\/bank-of-canada-latest-interest-rates-2025-renters-landlords\/","title":{"rendered":"Bank\u00a0of Canada Cuts Rates to 2.25% \u2013 What it Means for Renters &amp; Landlords (October 2025)\u00a0\u202f"},"content":{"rendered":"\n<p>The Bank of Canada\u2019s latest rate cut to 2.25% has major implications for renters, landlords, and anyone watching Canada\u2019s housing market. With borrowing costs easing but rental demand still high, understanding what this decision means is more important than ever. At liv.rent, we break down the Bank\u2019s October 2025 announcement in simple terms\u2014so you can stay informed, plan ahead, and track how interest rate changes shape rent prices in your city.<\/p>\n\n\n\n<br>\n<style>\n.background-general-cta-email-subscribe-rental-laws {\n  text-align: center;\n  color: #303030;\n  font-family: 'Inter', sans-serif;\n  font-size: 24px;\n}\n\n.cta-block-general-cta-email-subscribe-rental-laws p{\n  font-family: 'Inter', sans-serif;\n  color: #303030; \n  font-weight: 400;\n  text-align: center; \n  font-size: 16px;\n}\n\n.cta-block-general-cta-email-subscribe-rental-laws {\n  background-color: #F5F5F5;\n  border-radius: 16px;\n  padding: 30px;\n  text-align: center;\n  margin: 20px 0px;\n}\n.button-general-cta-email-subscribe-rental-laws {\n  margin-top: 20px;\n  padding: 12px 16px;\n  background: #1D415E;\n  border: 0px solid white;\n  box-shadow: 0px 6px 8px -2px rgba(29, 66, 94, 0.4), 0px 12px 16px rgba(32, 121, 193, 0.15);\n  border-radius: 6px;\n  cursor: pointer;\n  \n  font-family: 'Inter';\n  font-style: normal;\n  font-weight: 600;\n  font-size: 14px;\n  line-height: 16px;\n  text-align: center;\n  color: #FFFFFF;\n\n}\n  \n<\/style>\n<div class=\"background-general-cta-email-subscribe-rental-laws cta-block-general-cta-email-subscribe-rental-laws\">\n<h3><strong>Join Our Newsletter<\/strong><\/h3>\n\n<p>For more info on rental laws and policies (e.g. eviction, lease agreements, repairs &amp; maintenance), subscribe to get the latest news.<\/p>\n\n<a href=\"https:\/\/315027fd.sibforms.com\/serve\/MUIEALxBmw-zX8J7nIDbE8Y0GsbO2XD2wyS5o8IJ7wVaedytZTfE-Ysnf2unVSDuBMQ_DiIreTYMftk3u84zjN-NZ459-r4fafSVJmvHqufcCZsHOdl9YPdQlyNO_8e-aEyO3JswcwrjPcNt9Ll22P85SQ6zAIiqlLhL9S2Es9edJgfjg0307yN6DptRbjGnHobRqNlUNRLczWrl\" target=\"_blank\" rel=\"noopener noreferrer\"><button id=\"button-general-cta-email-subscribe-rental-laws\" class=\"button-general-cta-email-subscribe-rental-laws\">Subscribe<\/button><\/a>\n<\/div>\n<br>\n\n\n\n<br><h2 id=\"first-last-rent\">Key Highlights<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li>On\u00a0October 29, 2025, the Bank of Canada introduced\u00a0Overnight rate reduced to\u00a02.25%, Bank Rate at\u00a02.5%, deposit rate at\u00a02.2%.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Canada\u2019s GDP contracted\u00a01.6% in Q2 2025,\u00a0impacted\u00a0by falling exports and weak business investment.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Household spending and residential investment rise, but affordability and labor shortages constrain growth.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Unemployment\u00a0remains\u00a0elevated at\u00a07.1% in September, with slower wage growth.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Inflation&nbsp;remains&nbsp;near&nbsp;<strong>2%<\/strong>, within the Bank\u2019s target range.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Bank\u00a0signals that the\u00a0current\u00a0rate\u00a0is\u00a0appropriate, with further changes dependent on economic conditions.\u00a0<\/li>\n<\/ul>\n\n\n\n<br><h2 id=\"first-last-rent\">What Changed in Today\u2019s Announcement?<\/h2>\n\n\n\n<ul>\n<li>Rate cut by&nbsp;<strong>25 basis points<\/strong>&nbsp;to 2.25%&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Bank Rate at 2.5%, Deposit Rate at 2.2%&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Decision aims to support economic activity amid structural trade impacts&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Emphasis that the current rate is suitable for&nbsp;maintaining&nbsp;inflation near 2%&nbsp;<\/li>\n<\/ul>\n\n\n\n<br><h2 id=\"first-last-rent\">How This Affects Renters &#038; Landlords: Impact on Rent Prices <\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 style=\"color: #fe5f55\" class=\"wp-block-heading\">Renters:<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li>High borrowing costs mean fewer people can buy homes, keeping&nbsp;rental demand high.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Expect\u00a0competition for rental units\u00a0in major cities, keeping prices elevated.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Renting may remain the more affordable or flexible&nbsp;option&nbsp;for many Canadians.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 style=\"color: #fe5f55\" class=\"wp-block-heading\">Landlords \/ Investors:<\/h3>\n\n\n\n<ul>\n<li>Elevated investment costs may\u00a0slow new construction, limiting supply growth.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Tenant demand\u00a0remains\u00a0strong, offering\u00a0stable rental income\u00a0opportunities.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Residential investment is increasing, but structural economic challenges&nbsp;remain.&nbsp;<\/li>\n<\/ul>\n\n\n\n<br><h2 id=\"first-last-rent\">Global and Domestic Economic Context<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 style=\"color: #fe5f55\" class=\"wp-block-heading\">Global Economy:<\/h3>\n\n\n\n<ul>\n<li>Global growth\u00a0is expected\u00a0to\u00a0slow from 3.25% in 2025 to 3% in 2026\u20132027.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>U.S. economy\u00a0remains\u00a0strong, supported by AI investment, but\u00a0tariffs are raising prices.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Eurozone growth is slowing; China sees weaker business investment but exports to other countries are helping offset losses.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Global financial conditions easing; oil prices&nbsp;relatively stable; Canadian dollar slightly weaker.&nbsp;<\/li>\n<\/ul>\n\n\n\n<br><h2 id=\"first-last-rent\">Canada\u2019s Economy:<\/h2>\n\n\n\n<ul>\n<li>GDP contracted\u00a0<strong>1.6% in Q2 <\/strong>2<strong>025<\/strong>, mostly due to weak exports and investment.\u00a0\u00a0<\/li>\n\n\n\n<li>Household and government spending rising, residential investment improving.\u00a0<\/li>\n\n\n\n<li>GDP projections:\u00a02025 \u2013 1.2%, 2026 \u2013 1.1%, 2027 \u2013 1.6%.\u00a0<\/li>\n\n\n\n<li>Excess capacity in the economy\u00a0expected\u00a0to\u00a0persist but gradually be absorbed.<\/li>\n<\/ul>\n\n\n\n<br><h2 id=\"first-last-rent\">Why the Bank of Canada Interest Rate Cut Matters<\/h2>\n\n\n\n<ul>\n<li>Structural trade damage limits monetary policy effectiveness&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Cut intended to support economic activity while keeping inflation low&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Bank signals&nbsp;current rate level&nbsp;appropriate, future adjustments depend on incoming data&nbsp;<\/li>\n<\/ul>\n\n\n\n<br><h2 id=\"first-last-rent\">Mortgage &#038; Lending Highlights (October 2025)<\/h2>\n\n\n\n<ul>\n<li>Prime rate at major banks\u00a0remains\u00a06.45%.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Fixed and variable mortgage rates\u00a0remain\u00a0high, reflecting\u00a0ongoing borrowing costs.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Borrowers may see\u00a0slightly lower rates on new mortgages, but overall costs\u00a0remain\u00a0significant.\u00a0<\/li>\n<\/ul>\n\n\n\n<br><h2 id=\"first-last-rent\">Market Reactions &#038; Expert Commentary<\/h2>\n\n\n\n<ul>\n<li>BC Royal Bank\u00a0is decreasing its prime rate by\u00a025 basis points\u00a0from 4.70% to 4.45%, effective October 30, 2025.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Analysts note that the rate cut\u00a0supports household and residential investment, but structural trade issues limit broader economic gains.\u00a0<\/li>\n<\/ul>\n\n\n\n<br><h2 id=\"first-last-rent\">What Happens Next?<\/h2>\n\n\n\n<ul>\n<li>Next Rate Announcement:&nbsp;December 10, 2025&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Next Monetary Policy Report:&nbsp;January 28, 2026&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Analysts expect&nbsp;no further cuts in 2025; Q4 economic data will guide future policy&nbsp;<\/li>\n<\/ul>\n\n\n\n<br><h2 id=\"first-last-rent\">Data table of the important rates<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Rate Type<\/strong><\/td><td><strong>October 2025<\/strong><\/td><\/tr><tr><td>Overnight Policy Rate&nbsp;<\/td><td>2.25%&nbsp;<\/td><\/tr><tr><td>Bank Rate&nbsp;<\/td><td>2.50%&nbsp;<\/td><\/tr><tr><td>Deposit Rate&nbsp;<\/td><td>2.20%&nbsp;<\/td><\/tr><tr><td>Prime Rate (Major Banks)&nbsp;<\/td><td>6.45%<\/td><\/tr><tr><td>CPI Inflation (Sep)&nbsp;<\/td><td>2.4%&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Track monthly rent trends for your city <a href=\"https:\/\/liv.rent\/blog\/rent-reports\/\">here<\/a>.<\/p>\n\n\n\n<br><h2 id=\"first-last-rent\">Related Rental &#038; Housing Resources<\/h2>\n\n\n\n<p><strong>Rent Reports Canada<\/strong> &#8211; <a href=\"https:\/\/liv.rent\/blog\/rent-reports\/\">https:\/\/liv.rent\/blog\/rent-reports\/<\/a>&nbsp;<br><strong>Bank of&nbsp;Canada<\/strong>&nbsp;&nbsp;(BoC) &#8211; https:\/\/www.bankofcanada.ca\/2025\/10\/fad-press-release-2025-10-29\/&nbsp;<br><br><em>Stay updated on how Bank of Canada decisions affect Canadian renters and landlords. Track monthly rent trends, mortgage rates, and housing data with&nbsp;<a href=\"https:\/\/liv.rent\/blog\/rent-reports\/\">liv.rent&nbsp;monthly reports<\/a><\/em>.<\/p>\n\n\n\n<br><h2 id=\"first-last-rent\">FAQs<\/h2>\n\n\n\t\t<section\t\thelp class=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h2>What is the interest rate for the Bank of Canada in October 2025?<\/h2>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\n\n<p>On October 29, 2025, the Bank of Canada announced that it is cutting its policy rate to&nbsp;2.25%&nbsp;<\/p>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\thelp class=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h2>What&#039;s happening with interest rates in 2025?<\/h2>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\n\n<p>In 2025, Canada\u2019s interest rates are lower, with the Bank of Canada cutting the overnight rate to&nbsp;<strong>2.25%<\/strong>, supporting the economy while keeping rental demand strong.<\/p>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\thelp class=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h2>What will be the next interest rate announcement? <\/h2>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\n\n<p>The next Bank of Canada interest rate announcement is scheduled for&nbsp;December 10, 2025.&nbsp;<\/p>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\n<script type=\"application\/ld+json\">\n\t{\n\t\t\"@context\": \"https:\/\/schema.org\",\n\t\t\"@type\": \"FAQPage\",\n\t\t\"mainEntity\": [\n\t\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"What is the interest rate for the Bank of Canada in October 2025?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"<p>On October 29, 2025, the Bank of Canada announced that it is cutting its policy rate to&nbsp;2.25%&nbsp;<\/p>\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"What's happening with interest rates in 2025?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"<p>In 2025, Canada\u2019s interest rates are lower, with the Bank of Canada cutting the overnight rate to&nbsp;<strong>2.25%<\/strong>, supporting the economy while keeping rental demand strong.<\/p>\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"What will be the next interest rate announcement? \",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"<p>The next Bank of Canada interest rate announcement is scheduled for&nbsp;December 10, 2025.&nbsp;<\/p>\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t\t\t\t]\n\t}\n<\/script>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<br> \n\n<style> \n\n.button-rethink-way-you-rent { \n  background-color: #3E5B77; \n  border: 5px #26425C; \n  color: white; \n  padding: 10px 30px; \n  text-align: center; \n  text-decoration: none; \n  display: inline-block; \n  font-size: 15px; \n  margin: 5px 0px 20px 0px; \n  cursor: pointer; \n} \n<\/style> \n\n<img decoding=\"async\" class=\"alignleft wp-image-23097\" src=\"https:\/\/liv.rent\/blog\/wp-content\/uploads\/2020\/08\/Digital-Contracts-Cropped-2.gif\" alt=\"Find apartments &amp; houses for rent with the liv.rent app\" width=\"196\" height=\"370\" style=\"float:left;\"> \n\n<h3 style=\"color: #3E5B77;\">Rethink The Way You Rent<\/h3> \n\n<p>Not on <strong><a href=\"https:\/\/liv.rent\/\" target=\"_blank\" rel=\"noopener noreferrer\">liv.rent<\/a><\/strong> yet? Experience the ease of digital applications &#038; contracts, verified tenants &#038; landlords, virtual tours and more \u2013 all on one platform. <strong><a href=\"https:\/\/liv.rent\/pricing\" target=\"_blank\" rel=\"noopener noreferrer\">Sign up for free<\/a><\/strong> or <strong><a href=\"https:\/\/liv.rent\/download\" target=\"_blank\" rel=\"noopener noreferrer\"> download the app<\/a><\/strong>.<\/p> \n\n<a href=\"https:\/\/liv.rent\/\" target=\"_blank\" rel=\"noopener noreferrer\"><button id=\"button-rethink-way-you-rent\" class=\"button-rethink-way-you-rent\">Learn More<\/button><\/a> \n\n<p style=\"color: #3E5B77\"><strong><a href=\"https:\/\/315027fd.sibforms.com\/serve\/MUIEALxBmw-zX8J7nIDbE8Y0GsbO2XD2wyS5o8IJ7wVaedytZTfE-Ysnf2unVSDuBMQ_DiIreTYMftk3u84zjN-NZ459-r4fafSVJmvHqufcCZsHOdl9YPdQlyNO_8e-aEyO3JswcwrjPcNt9Ll22P85SQ6zAIiqlLhL9S2Es9edJgfjg0307yN6DptRbjGnHobRqNlUNRLczWrl\" target=\"_blank\" rel=\"noopener noreferrer\">Subscribe<\/a><\/strong> to receive the latest tenant &#038; landlord tips and get notified about changes in the Canadian rental market.\n<\/p> \n\n<p style=\"color: #3E5B77\"><strong>>> Stay up-to-date on the average rent in Vancouver, Toronto and Montreal: <\/strong> <a href=\"https:\/\/liv.rent\/blog\/rent-reports\/\" target=\"_blank\" rel=\"noopener noreferrer\">Rent Reports<\/a>.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A 2025 guide to the BC Tenancy Act \u2014 simplified for renters and landlords. Explore legal changes, rights, and protections you should know in British Columbia.<\/p>\n","protected":false},"author":41,"featured_media":65653,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false},"categories":[520,524,136],"tags":[595,579,585,591],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Bank of Canada drops Interest Rate to 2.25% (2025 Update)<\/title>\n<meta name=\"description\" content=\"The Bank of Canada interest rate is further cut to 2.25% October 2025! 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