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BoC Opens the Door to Rate Hikes: What It Means for Your Mortgage

  Published September 4, 2026 The Bank of Canada held its policy rate at 2.25% on September 2 — the seventh straight hold — but Governor Tiff Macklem didn't sound like a central banker done for the year. He told reporters the Bank is "prepared to raise interest rates, and if it takes more than one increase, we're prepared to do that," if inflation stays too high. That's a real shift in tone, and it lands right as a wave of Canadians hit their mortgage renewal date. Here's what changed, who's forecasting what, and what it actually means for your payment. Why the Bank Suddenly Sounds Hawkish Canada's annual inflation rate has climbed to around 3% — a full point above the Bank's 2% target — and the Bank is pointing squarely at energy prices. Oil has stayed elevated because of the Iran conflict and disruption near the Strait of Hormuz, pushing gas prices up and dragging headline CPI with it. Core inflation, which strips out food and energy, is still s...
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Almond Biscotti

 

Almond biscotti are deliciously crunchy and perfect with a cup of coffee. 

 Ingredients:

  • 1 cup whole almonds (with skin)
  • 1 cup granulated sugar
  • 2 cups all-purpose flour
  • 1/2 teaspoon baking powder
  • 1/4 teaspoon salt
  • 3 large eggs
  • 1 teaspoon vanilla extract
  • 1 teaspoon almond extract

Instructions:

1. Preheat and Prepare: Preheat your oven to 350°F (175°C). Line a baking sheet with parchment paper or a silicone baking mat.

2. Toast Almonds: Spread the almonds on a baking sheet and toast in the oven for about 10 minutes until they're fragrant. Let them cool, then chop coarsely.

3. Mix Dry Ingredients: In a medium bowl, mix the flour, baking powder, and salt.

4. Whisk Eggs and Sugars: In a large bowl, beat the eggs, granulated sugar, vanilla extract, and almond extract until thick and pale (about 2-3 minutes).

5. Combine: Gradually add the dry ingredients to the egg mixture and stir until combined. Fold in the toasted almonds.

6. Shape Dough: On a lightly floured surface, divide the dough in half. Shape each half into a log about 12 inches long and 2 inches wide. Place the logs on the prepared baking sheet.

7. First Bake: Bake the logs for 25-30 minutes, or until they are firm to the touch and golden brown. Remove from the oven and let them cool for about 10 minutes.

8. Slice and Bake Again: Reduce the oven temperature to 325°F (165°C). Using a serrated knife, cut the logs into 1/2-inch slices. Lay the slices cut-side down on the baking sheet and bake for another 10-15 minutes, flipping them halfway through, until they are dry and golden.

9. Cool and Enjoy: Transfer the biscotti to a wire rack to cool completely. Enjoy with your favorite coffee or tea!

Feel free to experiment by adding other ingredients like chocolate chips or dried cranberries. 


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