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Bond Yields Are Nearing 5%: What It Means for Your Mortgage and HELOC

  Published September 11, 2026 Something is happening in the bond market this week that matters more to your wallet than the daily swings in the TSX. The yield on the 10-year US Treasury note closed in on 5% on Friday — 4.95% , its highest level since 2023 and approaching territory not seen since 2007 — after climbing 18 basis points in a single week. Canadian bond yields have followed the same path: the 10-year Government of Canada bond hit its highest level in over two years earlier this month, and the 5-year bond — the one that actually sets your fixed mortgage rate — has drifted up to roughly 3.41%, about a quarter-point higher than it was a month ago. If you're renewing a mortgage, shopping for a HELOC, or just trying to figure out whether now is the moment to lock in, here's what's actually going on and what it means for your payments. Why bond yields, not the Bank of Canada, are driving fixed rates right now It's a common mix-up: people watch the Bank of Canada...

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Healthy Meals: Quinoa Salad with Avocado and Tomatoes:

 


Here's a delicious and healthy recipe for Quinoa Salad with Avocado and Tomatoes:


Ingredients:

For the salad:

  • 1 cup quinoa
  • 2 cups water or vegetable broth
  • 1 pint cherry tomatoes, halved
  • 2 ripe avocados, diced
  • 1/2 cup red onion, finely chopped
  • 1/2 cup fresh cilantro, chopped
  • 1/4 cup fresh mint leaves, chopped (optional)
  • 1/2 cup crumbled feta cheese (optional)
  • Salt and pepper to taste

For the dressing:
  • 3 tablespoons extra-virgin olive oil
  • 2 tablespoons fresh lemon juice (about 1 lemon)
  • 1-2 cloves garlic, minced
  • 1 teaspoon honey or maple syrup (for sweetness)
  • Salt and pepper to taste


Instructions:

1. Rinse the quinoa under cold water to remove any bitterness. In a medium saucepan, combine the quinoa and water or vegetable broth. Bring to a boil, then reduce the heat to low, cover, and simmer for about 15 minutes or until the quinoa is cooked and the liquid is absorbed. Remove from heat and let it cool.

2. While the quinoa is cooling, prepare the dressing. In a small bowl, whisk together the olive oil, lemon juice, minced garlic, honey or maple syrup, salt, and pepper. Adjust the seasoning to your taste.

3. Once the quinoa has cooled, fluff it with a fork and transfer it to a large salad bowl.

4. Add the cherry tomatoes, diced avocados, chopped red onion, cilantro, and mint (if using) to the quinoa.

5. Pour the dressing over the salad ingredients and gently toss to combine, ensuring everything is evenly coated with the dressing.

6. If desired, add the crumbled feta cheese on top of the salad.

7. Taste the salad and adjust the seasoning with more salt and pepper if needed.

8. Serve the quinoa salad immediately, or cover and refrigerate it for a couple of hours to let the flavors meld together.


This Quinoa Salad with Avocado and Tomatoes is not only delicious but also packed with nutrients. It's perfect as a side dish or a light and healthy meal on its own. Enjoy!

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