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Express Entry settlement funds checker

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

See the money Federal Skilled Worker and Skilled Trades applicants must show for Express Entry.

IRCC figures, CAD, 7 July 2025. This is not immigration advice.

Common questions

Who does not need proof of funds?

Canadian Experience Class applicants and those authorized to work with a valid job offer.