As most homeowners know,in Canada mortgage interest rates are ________ than comparable risk-free rates like the yield on the 5-year ________.

Question

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Mortgage interest rates in Canada are typically higher than comparable risk-free rates such as the yield on the 5-year Government of Canada bond. This is because a mortgage is not considered a risk-free investment for lenders as there is potential for default or foreclosure. Lenders compensate for this risk through higher interest rates.

As Most Homeowners Know,in Canada Mortgage Interest Rates Are ________