HDQ Tax & Wealth Desk

Tax & Wealth Desk

The Prescribed Rate Window Has Never Stayed Open This Long, But It May Not Last Into 2027

The CRA confirmed its prescribed rate holds at 3 percent for a sixth consecutive quarter, even as rising Government of Canada bond yields raise the odds that the rate used to calculate it moves higher next year.

Aug 21, 2026 6 min Read →

Tax & Wealth

The Prescribed Rate Has Held at Three Percent for Six Straight Quarters. The Bond Market Suggests the Window Is Narrowing

The CRA confirmed the prescribed rate at 3 percent for the fourth quarter of 2026, but Government of Canada yields near a two year high mean the rate advisors lock in for income splitting loans today may not be available for long.

Aug 20 6 min Read →

Tax & Wealth

The Tariff Pause Is Not a Pause for Business Owner Clients With Cross-Border Supply Chains

Friday's Section 338 deadline runs on entry date, not ship date, and that distinction is the real planning window this week.

Aug 19 7 min Read →

Recent — Tax & Wealth

Tax & Wealth The Tariff Lands Tonight. The Planning Window Is What Happens Inside the Corporation Tomorrow

A 50% US tariff on Canadian goods takes effect at 12:01 a.m. Tuesday with no exemption and no runway. What advisors can still control sits inside the CCPC, not outside it.

Aug 18 6 min

Tax & Wealth This Year's Record Run Makes Selling Tempting. Two Tax Clocks Start the Moment You Do.

Capital gains realized in a record year for the TSX and gold interact with the Alternative Minimum Tax and the OAS recovery tax, neither of which cares that the inclusion rate increase was cancelled.

Aug 17 5 min

Tax & Wealth The Prescribed Rate Held at 3 Percent. Everything Around It Moved.

Government of Canada yields just climbed to their highest since 2024, and the gap with the CRA's locked family loan rate has not been this wide in years.

Aug 14 6 min

Tax & Wealth The 2026 Mortgage Renewal Wall Just Got a Higher Price Tag

The five year Government of Canada bond yield has climbed to a multi week high even as the Bank of Canada holds steady. For advisors, that gap is the actual client conversation this renewal season.

Aug 13 6 min

Tax & Wealth The Prescribed Rate Has Sat at 3% for Five Quarters. The September Auctions Could End That.

Government of Canada bond yields just touched a 26-month high, and short-term Treasury bill yields tend to follow. The window to lock a prescribed rate loan at 3% narrows as the Q4 rate-setting auctions approach.

Aug 12 6 min

Tax & Wealth The Prescribed Rate Holds at 3 Percent. The Window to Lock It In Closes September 30

A fifth straight quarter at 3 percent keeps the income-splitting loan strategy open, and the math says a sixth is likely.

Aug 11 6 min

Tax & Wealth Two Rates, Two Stories: The Bond Market Jumped Friday. The Prescribed Rate Did Not.

A blowout jobs report moved the five-year bond yield within minutes. The CRA's prescribed rate held for a fifth straight quarter. Advisors need to know which conversation applies to which client.

Aug 10 6 min

Tax & Wealth Canada Added 75,100 Jobs and the Bond Yield That Sets Your Client's Renewal Rate Moved One Basis Point

The five-year GoC yield barely reacted to the strongest jobs report in two years, which is the real story for anyone renewing a mortgage or weighing a prescribed-rate loan this year.

Aug 7 6 min

Tax & Wealth The Prescribed Rate Holds at 3% for a Sixth Straight Quarter. The January 30 Deadline Is the Part Clients Forget.

CRA confirmed the Q4 rate this week based on July Treasury Bill yields. The rate itself is not the risk in a prescribed rate loan strategy. Missing the annual interest payment is.

Aug 6 6 min

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