Coverage

Rate history coverage

The historical series we hold, their sources, and the walls recorded against the series it does not hold.

History: how far back the estate holds, series by series

Captured 2026-11-14. Every series below is genuinely public data, pulled from the source named in its file. For each series: how far back we hold, how far back it exists, and what blocks the rest. Nothing is interpolated, derived or back-filled; a gap in a file is a gap in the source as served.

The Bank of Canada spine (Valet API, no key required)

Source: Bank of Canada Valet API, https://www.bankofcanada.ca/valet/

• boc-policy-rate-daily.json, Policy interest rate (target for the overnight rate), daily, series V39079. Held: 4,569 observations, 2009-04-21 to 2026-11-12. Exists: the target-rate regime dates to the 1990s, but Valet's daily series starts 2009-04-21 and serves nothing earlier (verified directly: zero observations returned for 2000-2005). Wall: the API itself; there is no earlier daily file to pull from this source.
• boc-policy-rate-monthly.json, The same rate, end of month, series STATIC_ATABLE_V39079. Held: 370 points, January 1996 to October 2026. This is the deepest policy-rate view Valet serves. Before 1996 the policy instrument was the Bank Rate rather than an announced target; Statistics Canada's daily interest rate table (10-10-0006-01) carries Bank Rate history back to 1935, not pulled in this pass.
• prime-rate.json, Chartered bank prime lending rate, weekly, series V80691311. Held: 2,707 points, 1975-01-01 to 2026-11-11. Complete as served; the weekly series starts in 1975.
• prime-rate-monthly-1935.json, Prime rate, monthly average, series V122495. Held: 1,017 points, January 1935 to September 2019. The series is discontinued (it ends in 2019), which is why the weekly series above is the living one. Between the two files the estate holds a prime rate reading for every month since 1935.
• goc-5yr-benchmark-yield.json, Government of Canada benchmark bond yield, 5-year, daily, series BD.CDN.5YR.DQ.YLD. Held: 6,466 observations, 2001-01-02 to 2026-11-12. Complete as served; the benchmark yield series starts in 2001. (The 2-year and 10-year siblings, BD.CDN.2YR.DQ.YLD and BD.CDN.10YR.DQ.YLD, exist in Valet and are uncaptured breadth, not depth.)
• posted-mortgage-5yr.json, Conventional mortgage rate, 5-year, weekly, chartered banks' posted rate, series V80691335. Held: 2,707 points, 1975-01-01 to 2026-11-11.
• posted-mortgage-3yr.json and posted-mortgage-1yr.json, Same family, series V80691334 and V80691333. Held: 2,446 points each, 1980-01-02 to 2026-11-11.
• posted-gic-5yr.json, Guaranteed investment certificate rate, 5-year, weekly, series V80691341. Held: 2,400 points, 1980-11-19 to 2026-11-11.

House price indexes

• crea-hpi-history.json, CREA MLS Home Price Index, national composite benchmark price, monthly. Held: 261 points, January 2005 to September 2026, no missing months, from CREA's public MLS HPI data download (MLS_HPI_Oct_2026.zip, the AGGREGATE sheet of the not-seasonally-adjusted monthly workbook). Exists: January 2005 is the index's own start (January 2005 = 100), so the capture reaches the true beginning; there is no depth wall. Two honest limits: breadth, because the same download holds some 65 board and province sheets with property-type detail that this pass did not extract; and rights, because CREA's HPI Tool terms allow download for reference and analysis but ask for CREA's prior written consent to publish or display the content in whole or in part. Capture is complete; display is the gated step.
• teranet-hpi-history.json, Teranet-National Bank House Price Index, composite. Held: 14 points only, scattered months from February 2021 (251.80) to September 2026 (294.94), each one the composite level printed in that month's own release report on housepriceindex.ca. Exists: back to 1999 (base June 2005 = 100), and the site publicly offers a full history download (its Public Solutions page links a Download Index History page). Wall, recorded plainly: in this pass the host refused this environment's direct HTTP client outright (empty replies to every request) and the download pages returned a 429 on the text-fetch route, which the standing rule records rather than retries. A route the host accepts (a live browser session, or a client it does not refuse) should take the composite back to 1999 in one file. Method note: releases print raw unsmoothed levels since September 2022 and smoothed levels before that, so a completed series will carry that seam.
• statcan-nhpi.json, Statistics Canada New Housing Price Index, Canada, total (house and land), monthly, December 2016 = 100, table 18-10-0205-01 under the Open Government Licence. Held: 549 points, January 1981 to September 2026, the table's full run. This is the longest price series in the estate. It measures new construction only (contractors' selling prices for new houses), so it complements the two resale indexes rather than substituting for either. The same table holds house-only and land-only components and CMA series from 1981, uncaptured breadth.

Held elsewhere in the estate, linked rather than duplicated

• market-data/price-index.json, the latest published month (September 2026) of the CREA HPI and Teranet-National Bank HPI by board and city, 78 rows, each cited to its release. The history files above sit behind these snapshots.
• market-data/market-stats.json, local board statistics packages (sales, listings, benchmark and average prices) for the 14 markets, latest published month.
• market-data/demand.json, Statistics Canada population estimates by CMA, IRCC permanent resident arrivals, CMHC housing starts and Statistics Canada building permits, latest published periods.
• rents/cmhc.json, CMHC Rental Market Survey average rents and vacancy rates by CMA (the survey is annual, each fall).

The walls, in one place

1. Teranet full history: publicly offered, host refuses this client; needs an accepted route, then it is one download back to 1999.
2. CREA HPI display: capture complete to 2005; republication of the index in whole or part needs CREA's written consent under the HPI Tool terms.
3. Policy rate before 1996: the instrument was the Bank Rate; Statistics Canada table 10-10-0006-01 holds it back to 1935 and is the named next pull.
4. Everything else above is complete as its source serves it; the remaining work is breadth (more boards, more CMAs, more sibling series), not depth.