Bank of Canada Rate Guidance 2026

First-Time Buyer’s Complete Market Timing Decision Framework for the Fraser Valley in 2026: When Current Benchmark Prices, FHSA Eligibility, PTT Exemptions, and Interest Rate Trajectory Actually Create a Genuine Buying Opportunity vs. a Falling-Knife Situation

Is now a good time to buy in the Fraser Valley? A transparent, data-driven framework using 2026 benchmarks, FHSA, PTT exemptions, and BoC guidance.