Could a single advertised percentage change how lenders view their risk and alter someone’s borrowing power in Canada? This introduction explains how every published number—from a 5‑year fixed at 3.79% or a 5‑year variable at 3.45% shown on Ratehub.ca, to EQ Bank’s 2.75% on a chequing-like account and Oaken Financial’s 2.80% savings—shapes a person’s credit […]