{"id":30,"date":"2026-09-21T12:00:00","date_gmt":"2026-09-21T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/comehome-ca\/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.comehome.ca\/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\/sia-mansouri-1\/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>After more than two decades in Toronto real estate, I&#039;ve seen firsthand how interest rate cuts often spark a rush in housing demand\u2014resales typically jump soon after cuts, with the full impact showing up about 18 to 24 months later. But here\u2019s the catch: supply just can\u2019t keep up as quickly. Builders might eventually ramp up, but meaningful increases in new housing starts generally don\u2019t arrive until around two years after rates drop. Planning, permits, and especially multi-unit projects all take time\u2014something anyone searching for a home in our city knows all too well.<\/p>\n<p>Central bank researchers recently confirmed this pattern: while lower rates make borrowing cheaper and encourage buying (especially when job markets are strong and lenders are more flexible), the actual solution to affordability is much more complex. Cheaper mortgages might get you moving sooner, but unless more homes come onto the market, pressure on prices remains. For families, move-up buyers, or investors weighing their next step, it\u2019s essential to look beyond the headline rates and understand the wider forces at play in Toronto\u2019s market. True affordability isn\u2019t just about interest rates\u2014it\u2019s about supply, timing, and finding a fit that works for your life and goals.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>After more than two decades in Toronto real estate, I&#039;ve seen firsthand how interest rate cuts often spark a rush in housing demand\u2014resales typically jump soon after cuts, with the full impact showing up about 18 to 24 months later. But here\u2019s the catch: supply just can\u2019t keep up as quickly. Builders might eventually ramp [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":65,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-30","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.comehome.ca\/blog\/wp-json\/wp\/v2\/posts\/30","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comehome.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comehome.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comehome.ca\/blog\/wp-json\/wp\/v2\/comments?post=30"}],"version-history":[{"count":0,"href":"https:\/\/www.comehome.ca\/blog\/wp-json\/wp\/v2\/posts\/30\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comehome.ca\/blog\/wp-json\/wp\/v2\/media\/65"}],"wp:attachment":[{"href":"https:\/\/www.comehome.ca\/blog\/wp-json\/wp\/v2\/media?parent=30"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comehome.ca\/blog\/wp-json\/wp\/v2\/categories?post=30"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comehome.ca\/blog\/wp-json\/wp\/v2\/tags?post=30"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}