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By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 3.17%* Est CANHOU 06/15/31 [-0.02%]     10 Year - 3.61% CANHOU 03/15/36 [-0.03%]     Floating Rate insured cost of funds 2.64% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.68% CAN 09/01/28 [-0.02%]     3 Year - 2.81% CAN 09/01/29 [-0.02%]     5 Year - 2.93% CAN 09/01/30 [-0.03%]     10 Year - 3.39% CAN 12/01/35 [-0.03%]  
Comments 1
By Rosalind Nicholas, Toronto Condo Real Estate Agent, Toronto ON
(RE/MAX Condos Plus Corporation, Brokerage)
HAPPY NEW YEAR - 2026Wishing everyone a very Happy New Year for 2026.I am hoping that the real estate market in my area performs better in 2026 than it did in 2025.The activity in the Toronto Condo market was particularly slow in comparison to the Freehold market; even the the Freehold market was not overwhelmingly busy.With the hope that the recent cuts in interest rates, and maybe more interest rate cuts in 2026, buyers will feel motivated to commit to their big investment in purchasing a property to call their home.
Comments 6
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 3.24% CANHOU 06/15/31 [+0.05%]     10 Year - 3.72%* Est. CANHOU 03/15/36 [+0.03%]     Floating Rate insured cost of funds 2.73% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.73% CAN 09/01/28 [+0.03%]     3 Year - 2.86% CAN 09/01/29 [+0.04%]     5 Year - 2.99% CAN 09/01/30 [+0.04%]     10 Year - 3.44% CAN 06/01/35 [+0.03%]  
Comments 0
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 3.22% CANHOU 06/15/31 [+0.20%]     10 Year - 3.69%* Est. CANHOU 03/15/36 [+0.17%]     Floating Rate insured cost of funds 2.73% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.74% CAN 09/01/28 [+0.20%]     3 Year - 2.88% CAN 09/01/29 [+0.21%]     5 Year - 2.99% CAN 09/01/30 [+0.20%]     10 Year - 3.40% CAN 06/01/35 [+0.17%]    
Comments 1
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 2.87% CANHOU 12/15/30 [+0.01%]     10 Year - 3.46%* Est. CANHOU 03/15/36 [+0.01%]     Floating Rate insured cost of funds 2.81% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.51% CAN 09/01/28 [+0.02%]     3 Year - 2.61% CAN 09/01/29 [-]     5 Year - 2.73% CAN 09/01/30 [+0.01%]     10 Year - 3.14% CAN 06/01/35 [-]    
Comments 0
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 2.94% CANHOU 12/15/30 [-0.04%]     10 Year - 3.56%* Est. CANHOU 03/15/36 [-0.04%]     Floating Rate insured cost of funds 2.81% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.54% CAN 09/01/28 [-0.03%]     3 Year - 2.67% CAN 09/01/29 [-0.04%]     5 Year - 2.79% CAN 09/01/30 [-0.03%]     10 Year - 3.21% CAN 06/01/35 [-0.04%]        
Comments 1
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 2.92% CANHOU 12/15/30 [-]     10 Year - 3.52%* Est. CANHOU 03/15/36 [+0.01%]     Floating Rate insured cost of funds 2.81% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.54% CAN 09/01/28 [-]     3 Year - 2.65% CAN 09/01/29 [-]     5 Year - 2.76% CAN 09/01/30 [-]     10 Year - 3.17% CAN 06/01/35 [-]    
Comments 1
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 2.91% CANHOU 12/15/30 [+0.03%]     10 Year - 3.53%* Est. CANHOU 03/15/36 [+0.03%]     Floating Rate insured cost of funds 2.81% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.52% CAN 09/01/28 [+0.04%]     3 Year - 2.63% CAN 09/01/29 [+0.03%]     5 Year - 2.74% CAN 09/01/30 [+0.03%]     10 Year - 3.17% CAN 06/01/35 [+0.03%]     GOC Bonds are for reference purposes only * denotes interpolated rate
Comments 2
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
  Commercial Bond Yields CMB 5 Year - 2.87% CANHOU 12/15/30 [-0.03%]     10 Year - 3.49%* Est. CANHOU 03/15/36 [-0.03%]     Floating Rate insured cost of funds 2.87% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.49% CAN 09/01/28 [-0.02%]     3 Year - 2.60% CAN 09/01/29 [-0.03%]     5 Year - 2.71% CAN 09/01/30 [-0.03%]     10 Year - 3.13% CAN 06/01/35 [-0.03%]     GOC Bonds are for reference purposes only * denotes interpolated rate   Market Trends View the 30 day trend graphView the 1 year trend graph
Comments 0
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 2.78% CANHOU 12/15/30 [-0.03%]     10 Year - 3.44%* Est. CANHOU 03/15/36 [-0.03%]     Floating Rate insured cost of funds 2.87% [-]     Prime Rate 4.70% [-]     GoC 2 Year - 2.43% CAN 09/01/28 [-0.03%]     3 Year - 2.53% CAN 09/01/29 [-0.02%]     5 Year - 2.62% CAN 09/01/30 [-0.03%]     10 Year - 3.05% CAN 06/01/35 [-0.03%]     GOC Bonds are for reference purposes only * denotes interpolated rate  
Comments 0
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
  Commercial Bond Yields CMB 5 Year - 2.82% CANHOU 12/15/30 [-0.01%]     10 Year - 3.47%* Est. CANHOU 03/15/36 [-]     Floating Rate insured cost of funds 2.87% [-]     Prime Rate 4.70% [-]     GoC 2 Year - 2.47% CAN 09/01/28 [-0.01%]     3 Year - 2.56% CAN 09/01/29 [-0.01%]     5 Year - 2.66% CAN 09/01/30 [-0.01%]     10 Year - 3.09% CAN 06/01/35 [-0.01%]     GOC Bonds are for reference purposes only * denotes interpolated rate  
Comments 0
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 2.87%* Est. CANHOU 12/15/30 [-0.02%]     10 Year - 3.52%* Est. CANHOU 03/15/36 [-0.04%]     Floating Rate insured cost of funds 2.87% [-]     Prime Rate 4.70% [-]     GoC 2 Year - 2.53% CAN 09/01/28 [-0.01%]     3 Year - 2.63% CAN 09/01/29 [-0.02%]     5 Year - 2.73% CAN 09/01/30 [-0.02%]     10 Year - 3.16% CAN 06/01/35 [-0.04%]  
Comments 0
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 2.92%* Est. CANHOU 12/15/30 [-0.03%]     10 Year - 3.60%* Est. CANHOU 03/15/36 [-0.02%]     Floating Rate insured cost of funds 2.91% [-]     Prime Rate 4.70% [-]     GoC 2 Year - 2.57% CAN 09/01/28 [+0.02%]     3 Year - 2.67% CAN 09/01/29 [-]     5 Year - 2.77% CAN 09/01/30 [-]     10 Year - 3.22% CAN 06/01/35 [-0.01%]     GOC Bonds are for reference purposes only * denotes interpolated rate
Comments 0
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
  Commercial Bond Yields CMB 5 Year - 2.93%* Est. CANHOU 12/15/30 [-0.03%]     10 Year - 3.59%* Est. CANHOU 03/15/36 [-0.03%]     Floating Rate insured cost of funds 2.91% [-]     Prime Rate 4.74% [-0.21%]     GoC 2 Year - 2.56% CAN 09/01/28 [-0.02%]     3 Year - 2.61% CAN 03/01/29 [-0.04%]     5 Year - 2.75% CAN 09/01/30 [-0.03%]     10 Year - 3.20% CAN 06/01/35 [-0.02%]     GOC Bonds are for reference purposes only * denotes interpolated rate  
Comments 2
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 2.97%* Est. CANHOU 12/15/30 [-0.10%]     10 Year - 3.66%* Est. CANHOU 03/15/36 [-0.09%]     Floating Rate insured cost of funds 2.91% [-]     Prime Rate 4.95% [-]     GoC 2 Year - 2.61% CAN 09/01/28 [-0.03%]     3 Year - 2.64% CAN 03/01/29 [-0.09%]     5 Year - 2.80% CAN 09/01/30 [-0.04%]     10 Year - 3.26% CAN 06/01/35 [-0.09%]     GOC Bonds are for reference purposes only * denotes interpolated rate
Comments 0
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 3.22%* Est. CANHOU 12/15/30 [+0.03%] 10 Year - 3.85%* Est. CANHOU 03/15/36 [+0.05%] Floating Rate insured cost of funds 2.94% [-] Prime Rate 4.95% [-] GoC 2 Year - 2.74% CAN 03/01/28 [-] 3 Year - 2.85% CAN 03/01/29 [+0.02%] 5 Year - 2.96% CAN 03/01/30 [+0.02%] 10 Year - 3.44% CAN 06/01/35 [+0.05%] GOC Bonds are for reference purposes only * denotes interpolated rate
Comments 0
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 3.17%* Est. CANHOU 12/15/30 [-0.04%]     10 Year - 3.77%* Est. CANHOU 03/15/36 [-0.03%]     Floating Rate insured cost of funds 2.94% [-]     Prime Rate 4.95% [-]     GoC 2 Year - 2.70% CAN 03/01/28 [-0.04%]     3 Year - 2.81% CAN 03/01/29 [-0.04%]     5 Year - 2.91% CAN 03/01/30 [-0.04%]     10 Year - 3.37% CAN 06/01/35 [-0.03%]     GOC Bonds are for reference purposes only * denotes interpolated rate  
Comments 1
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 3.22%* Est. CANHOU 12/15/30 [-0.07%]     10 Year - 3.80% CANHOU 09/15/35 [+0.03%]     Floating Rate insured cost of funds 3.00% [-]     Prime Rate 4.95% [-]     GoC 2 Year - 2.75% CAN 03/01/28 [-0.08%]     3 Year - 2.86% CAN 03/01/29 [-0.07%]     5 Year - 2.96% CAN 03/01/30 [-0.08%]     10 Year - 3.41% CAN 06/01/35 [-0.06%]     GOC Bonds are for reference purposes only * denotes interpolated rate
Comments 1
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
Commercial Bond Yields CMB 5 Year - 3.36%* Est. CANHOU 12/15/30 [-0.02%]     10 Year - 3.87% CANHOU 09/15/35 [-0.04%]     Floating Rate insured cost of funds 3.00% [-]     Prime Rate 4.95% [-]     GoC 2 Year - 2.89% CAN 03/01/28 [-0.01%]     3 Year - 3.01% CAN 03/01/29 [-0.02%]     5 Year - 3.12% CAN 03/01/30 [-0.01%]     10 Year - 3.57% CAN 06/01/35 [-0.03%]     GOC Bonds are for reference purposes only * denotes interpolated rate
Comments 1
By Brian Madigan, LL.B., Broker
(RE/MAX West Realty Inc., Brokerage (Toronto))
    Commercial Bond Yields CMB 5 Year - 3.33%* Est. CANHOU 12/15/30 [-0.02%]     10 Year - 3.88% CANHOU 09/15/35 [-0.02%]     Floating Rate insured cost of funds 3.00% [-]     Prime Rate 4.95% [-]     GoC 2 Year - 2.86% CAN 03/01/28 [-0.02%]     3 Year - 2.98% CAN 03/01/29 [-0.02%]     5 Year - 3.09% CAN 03/01/30 [-0.02%]     10 Year - 3.56% CAN 06/01/35 [-0.02%]     GOC Bonds are for reference purposes only * denotes interpolated rate  
Comments 1
Ontario Real Estate Agents and Real Estate Professionals