{"updated":"2026-09-28","note":"Average mortgage rates used as APR presets by /tools/mortgage.html, and the USD/CAD exchange rate used by /tools/tax.html. Refreshed by scripts/update-rates.py at deploy time; both pages also refresh the Bank of Canada series live.","US":{"fixed30":{"rate":7.03,"date":"2026-09-24","label":"30-year fixed, Freddie Mac PMMS weekly average","source":"https://fred.stlouisfed.org/series/MORTGAGE30US"},"fixed15":{"rate":6.42,"date":"2026-09-24","label":"15-year fixed, Freddie Mac PMMS weekly average","source":"https://fred.stlouisfed.org/series/MORTGAGE15US"}},"CA":{"fixed5":{"rate":4.24,"date":"2026-08-25","label":"5-year fixed, high-ratio mortgage (Bank of Canada)","source":"https://www.bankofcanada.ca/valet/observations/FVI_MTG_RATE_5Y_FIX/json"},"posted5":{"rate":6.09,"date":"2026-09-23","label":"5-year conventional, posted (Bank of Canada)","source":"https://www.bankofcanada.ca/valet/observations/V80691335/json"},"variable":{"rate":3.58,"date":"2026-09-24","label":"Estimated variable rate (Bank of Canada)","source":"https://www.bankofcanada.ca/valet/observations/BROKER_AVERAGE_5YR_VRM/json"}},"FX":{"USDCAD":{"rate":1.4168,"date":"2026-09-28","label":"USD/CAD daily average exchange rate, CAD per USD (Bank of Canada)","source":"https://www.bankofcanada.ca/valet/observations/FXUSDCAD/json"}},"refreshed":"2026-09-28"}