{"id":20,"date":"2026-09-21T12:00:00","date_gmt":"2026-09-21T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/davesellsbrampton-com\/2026\/09\/21\/canada-rate-cuts-can-worsen-affordability\/"},"modified":"2026-09-21T12:00:00","modified_gmt":"2026-09-21T12:00:00","slug":"canada-rate-cuts-can-worsen-affordability","status":"publish","type":"post","link":"https:\/\/www.davesellsbrampton.com\/blog\/2026\/09\/21\/canada-rate-cuts-can-worsen-affordability\/","title":{"rendered":"Canada: Rate Cuts Can Worsen Affordability"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/dave-merat\/bank-rate-cuts-remotion-videos-3cc9\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>As someone who\u2019s seen the ups and downs of Canada\u2019s real estate market firsthand, I know how quickly lower interest rates can spark a surge in homebuyer demand. Central bank research shows that when rates drop, resales pick up almost immediately, with the full effect showing up 18 to 24 months later. But here\u2019s the catch\u2014new housing supply doesn\u2019t start to respond until about two years after those cuts, thanks to planning and permitting delays, especially for multi-unit projects.<\/p>\n<p>With strong job markets making buyers feel more secure, it\u2019s no surprise that lower rates and easier lending conditions encourage faster purchases. However, this means demand outpaces supply for quite some time, keeping affordability out of reach for many families. As someone who\u2019s dedicated to helping clients realize their housing dreams, I believe it\u2019s important to understand that monetary policy alone isn\u2019t the answer to our affordability challenges\u2014it\u2019s just one piece of the puzzle. Success in real estate comes from having a strategy that adapts to these market realities, ensuring you can make confident, informed decisions whether buying or selling. That\u2019s what my proven home selling system is all about: maximizing value and minimizing stress, even as the market shifts.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As someone who\u2019s seen the ups and downs of Canada\u2019s real estate market firsthand, I know how quickly lower interest rates can spark a surge in homebuyer demand. Central bank research shows that when rates drop, resales pick up almost immediately, with the full effect showing up 18 to 24 months later. But here\u2019s the [&hellip;]<\/p>\n","protected":false},"author":103,"featured_media":46,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-20","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/posts\/20","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/users\/103"}],"replies":[{"embeddable":true,"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/comments?post=20"}],"version-history":[{"count":0,"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/posts\/20\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/media\/46"}],"wp:attachment":[{"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/media?parent=20"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/categories?post=20"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.davesellsbrampton.com\/blog\/wp-json\/wp\/v2\/tags?post=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}