{"id":15,"date":"2026-09-14T10:00:00","date_gmt":"2026-09-14T10:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/fcm4-com\/2026\/09\/14\/canada-rate-cuts-can-worsen-affordability\/"},"modified":"2026-09-14T10:00:00","modified_gmt":"2026-09-14T10:00:00","slug":"canada-rate-cuts-can-worsen-affordability","status":"publish","type":"post","link":"https:\/\/www.fcm4.com\/blog\/2026\/09\/14\/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\/indran-kunam\/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>There\u2019s often a lot of hope that lower interest rates will make homeownership more affordable, but research from Canada\u2019s central bank highlights a different reality. When rates drop, housing demand responds quickly\u2014resales start climbing almost immediately, with the full effect showing up 18 to 24 months later. Yet, new home construction (housing starts) doesn\u2019t catch up until about two years after the initial cuts. If the job market is strong, people feel even more comfortable buying, which amplifies demand further. Builders eventually respond because higher prices and easier financing make new projects possible, but planning and approvals\u2014especially for multi\u2011unit homes\u2014take significant time. In short, rate cuts may eventually bring more homes to market, but they don\u2019t solve affordability right away, since supply lags far behind demand. As someone who helps clients navigate these shifts, I believe in staying focused on clear, strategic financing options that serve your long\u2011term goals\u2014even as the market reacts to changing rates.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>There\u2019s often a lot of hope that lower interest rates will make homeownership more affordable, but research from Canada\u2019s central bank highlights a different reality. When rates drop, housing demand responds quickly\u2014resales start climbing almost immediately, with the full effect showing up 18 to 24 months later. Yet, new home construction (housing starts) doesn\u2019t catch [&hellip;]<\/p>\n","protected":false},"author":128,"featured_media":40,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts\/15","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/users\/128"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/comments?post=15"}],"version-history":[{"count":0,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts\/15\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/media\/40"}],"wp:attachment":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/media?parent=15"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/categories?post=15"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/tags?post=15"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}