{"id":17,"date":"2026-09-21T10:00:00","date_gmt":"2026-09-21T10:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/sanjaykapoor-ca\/2026\/09\/21\/canada-rate-cuts-can-worsen-affordability\/"},"modified":"2026-09-21T10:00:00","modified_gmt":"2026-09-21T10:00:00","slug":"canada-rate-cuts-can-worsen-affordability","status":"publish","type":"post","link":"https:\/\/www.sanjaykapoor.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\/sanjay-kapoor\/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&#039;s spent decades guiding clients through the ups and downs of our real estate market, I often get asked: do lower interest rates really make homes more affordable? Recent findings from central bank researchers shine a light on this. When rates drop in Canada, we see home resales increase quickly\u2014sometimes within months. But new housing supply takes much longer to catch up, with starts often rising two years after the initial rate cut. That gap explains why cheaper borrowing isn&#039;t a quick fix for affordability challenges. Strong job markets and easier lending can make buyers more confident, speeding up demand even further, while builders need time to plan, secure permits, and break ground\u2014especially for larger projects. Over the long term, lower rates can eventually encourage more building, but because supply always lags behind demand, monetary policy alone isn\u2019t the answer to making homes more attainable. Having helped so many clients navigate these cycles, I know just how important it is to look at the bigger picture when making real estate decisions.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As someone who&#039;s spent decades guiding clients through the ups and downs of our real estate market, I often get asked: do lower interest rates really make homes more affordable? Recent findings from central bank researchers shine a light on this. When rates drop in Canada, we see home resales increase quickly\u2014sometimes within months. But [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":37,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.sanjaykapoor.ca\/blog\/wp-json\/wp\/v2\/posts\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sanjaykapoor.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sanjaykapoor.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sanjaykapoor.ca\/blog\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":0,"href":"https:\/\/www.sanjaykapoor.ca\/blog\/wp-json\/wp\/v2\/posts\/17\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sanjaykapoor.ca\/blog\/wp-json\/wp\/v2\/media\/37"}],"wp:attachment":[{"href":"https:\/\/www.sanjaykapoor.ca\/blog\/wp-json\/wp\/v2\/media?parent=17"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sanjaykapoor.ca\/blog\/wp-json\/wp\/v2\/categories?post=17"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sanjaykapoor.ca\/blog\/wp-json\/wp\/v2\/tags?post=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}