{"id":18,"date":"2026-09-18T11:00:00","date_gmt":"2026-09-18T11:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/jinderdhillonrealestate-com\/2026\/09\/18\/canada-rate-cuts-can-worsen-affordability\/"},"modified":"2026-09-18T11:00:00","modified_gmt":"2026-09-18T11:00:00","slug":"canada-rate-cuts-can-worsen-affordability","status":"publish","type":"post","link":"https:\/\/www.jinderdhillonrealestate.com\/blog\/2026\/09\/18\/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\/jinder-dhillon-2\/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 spent years navigating Greater Vancouver\u2019s real estate market, I\u2019ve seen firsthand how interest rate changes ripple through our housing landscape. Recent research from the central bank highlights a familiar pattern: when rates drop, housing demand picks up almost immediately\u2014resale activity sees its full lift within 18 to 24 months. But the increase in new housing starts lags behind, often taking about two years before builders break ground in response. Strong job markets can make this effect even more pronounced, as buyers feel more confident and lenders are more accommodating. However, while lower rates eventually encourage more construction\u2014especially since higher prices and easier financing make new projects viable\u2014there\u2019s always a delay due to planning and permitting, particularly for multi-family developments. What this means for those of us working and living in Canada is that rate cuts alone won\u2019t solve affordability challenges. Supply just can\u2019t keep pace with the surge in demand. It\u2019s a reminder that monetary policy has its limits when it comes to making homes more accessible in our communities.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As someone who\u2019s spent years navigating Greater Vancouver\u2019s real estate market, I\u2019ve seen firsthand how interest rate changes ripple through our housing landscape. Recent research from the central bank highlights a familiar pattern: when rates drop, housing demand picks up almost immediately\u2014resale activity sees its full lift within 18 to 24 months. But the increase [&hellip;]<\/p>\n","protected":false},"author":187,"featured_media":45,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/18","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/users\/187"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/comments?post=18"}],"version-history":[{"count":0,"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/18\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/media\/45"}],"wp:attachment":[{"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/media?parent=18"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/categories?post=18"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jinderdhillonrealestate.com\/blog\/wp-json\/wp\/v2\/tags?post=18"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}