{"id":305121,"date":"2024-10-28T16:41:00","date_gmt":"2024-10-28T16:41:00","guid":{"rendered":"https:\/\/wahi.com\/ca\/en\/?p=305121"},"modified":"2024-11-07T14:58:27","modified_gmt":"2024-11-07T14:58:27","slug":"what-the-bocs-latest-rate-cut-means-for-the-canadian-housing-market","status":"publish","type":"post","link":"https:\/\/wahi.com\/ca\/en\/learning-centre\/real-estate-101\/buy\/bank-of-canada-october-2024-rate-cut\/","title":{"rendered":"What the BoC\u2019s Latest Rate Cut Means for the Canadian Housing Market"},"content":{"rendered":"\n[et_pb_section fb_built=”1″ _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”0px||3px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.20.2″ _module_preset=”default” width=”95%” max_width=”100%” 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The latest rate cut from the Bank of Canada won\u2019t jumpstart the sluggish Canadian housing market, but it should help fortify homebuyer confidence and provide immediate relief for some homeowners.<\/span><\/p>[\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font_size=”21px” text_line_height=”1.6em” header_2_font=”||||||||” header_2_font_size=”36px” header_2_line_height=”1.3em” header_3_font_size=”1.25rem” header_3_line_height=”1.88rem” header_4_font=”|700|||||||” header_4_font_size=”1.25rem” header_4_line_height=”1.88rem” custom_margin=”||11px|||” hover_enabled=”0″ text_font_size_tablet=”21px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”36px” header_2_font_size_phone=”25px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}” sticky_enabled=”0″]

By Josh Sherman<\/a>\u00a0<\/span>| 4 minute read<\/p>[\/et_pb_text][et_pb_post_title title=”off” author=”off” date_format=”M j” categories=”off” comments=”off” featured_image=”off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||26px|||” global_colors_info=”{}”][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”0px||3px|||” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.18.0″ _module_preset=”default” width_tablet=”” width_phone=”100%” width_last_edited=”on|desktop” custom_padding=”0px||9px|||” global_colors_info=”{}” width__hover_enabled=”off|desktop”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/wahi.com\/wp-content\/uploads\/2024\/10\/bank-of-canada-rate-cut.jpg” alt=”The number of homes on the market continues to climb in major Canadian cities giving some buyers a shot at a discount.” title_text=”bank-of-canada-rate-cut” align=”center” force_fullwidth=”on” _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”1px||29px|||” hover_enabled=”0″ border_radii=”on|32px|32px|32px|32px” border_radii_tablet=”on|32px|32px|32px|32px” border_radii_phone=”on|0px|0px|0px|0px” border_radii_last_edited=”on|desktop” global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font_size=”1.13rem” text_line_height=”1.75rem” custom_margin=”-18px||2px|||” custom_padding=”||7px||false|true” custom_padding_tablet=”||7px||false|true” custom_padding_phone=”|15px|7px|15px|false|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ text_font_size_tablet=”1.13rem” text_font_size_phone=”0.9rem” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}” sticky_enabled=”0″]

As of Oct. 23, the Bank of Canada\u2019s overnight is at its lowest level in about two years (3.75%).<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”32px||23px|||” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” min_height=”791.1px” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”0px||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font_size=”21px” text_line_height=”1.6em” header_2_font=”||||||||” header_2_font_size=”36px” header_2_line_height=”1.3em” header_3_font_size=”1.25rem” header_3_line_height=”1.88rem” header_4_font=”|700|||||||” header_4_font_size=”1.25rem” header_4_line_height=”1.88rem” min_height=”765.1px” custom_padding=”6px||68px|||” text_font_size_tablet=”21px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”36px” header_2_font_size_phone=”25px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}” custom_margin=”||-48px|||”]

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The Bank of Canada\u2019s latest rate cut, its biggest since 2020, is good news overall for homebuyers, market-watchers say, but it won\u2019t have an outsized effect on Canadian home sales or prices this year.\u00a0<\/span><\/p>\n


In its fourth consecutive rate cut of the year, the central bank lopped 50 basis points off its overnight rate on Oct. 23, following three previous 25-basis-point cuts. The rate, which influences borrowing costs<\/a> for consumers and now sits at 3.75%, hasn\u2019t been this low since late-2022, though don\u2019t expect a housing-market boom in response, industry observers say. \u201cIt\u2019s\u2026 not going to happen this year,\u201d says Adrienne Lake, managing broker at Corcoran Horizon Realty, of the chances of a substantial pickup in the market before the new year.<\/span><\/p>\n

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BoC rate cut won\u2019t immediately help most buyers or borrowers<\/b><\/h2>\n

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For the majority of mortgage holders and potential homebuyers, the rate reduction simply won\u2019t improve affordability today, notes Alex Leduc, CEO of Perch Mortgages<\/a>. <\/span>While variable rates fluctuate with changes to the overnight rate, interest rates on fixed-rate mortgages \u2014 three- and five-year fixed rates account for about two-thirds of all mortgages in Canada \u2014 are tied to movements in the bond market. \u201cFixed-rates barely budged [following the cut], which makes sense, because the market was pricing in the 50 basis points, so it came in according to expectations,\u201d he tells Wahi.<\/p>\n

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First-time buyers are overwhelmingly qualifying for mortgages based on the fixed rate, since these rates are lower today, notes Leduc. \u201cEffectively this cut has zero impact on their qualifying,\u201d he adds.

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The main beneficiaries of the cut then are borrowers with variable rates, which represent a non-insignificant one-third of mortgage debt<\/a> in Canada, according to the central bank. However, borrowers with conventional variable rates won\u2019t see their monthly payments reduced. Instead, they\u2019ll see more of their money going towards the loan\u2019s principal and less towards interest.\u00a0
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Homeowners with adjustable mortgages, meanwhile, stand to gain the most from the announcement. This type of rate, which represents about one quarter of variable mortgages, responds immediately to changes to the overnight right. Therefore, borrowers with these types of loans will see a lower payment on their next monthly bill.\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Besides the fact that affordability for most hasn\u2019t improved post-cut, Lake sees two other reasons Canada\u2019s housing market won\u2019t heat up meaningfully as the fall market progresses.<\/span>
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<\/span>Lake tells Wahi that she\u2019s 99.99% confident in her assessment, in part because the Bank of Canada has one more rate announcement scheduled this year, on Dec. 11. Some homebuyers will wait to see if there will be yet another cut, she says.\u00a0<\/span><\/p>\n


Meanwhile, new mortgage rules<\/a> \u2014 which reduce minimum downpayments and monthly mortgage payments for some buyers \u2014 don\u2019t take effect until Dec. 15. That\u2019s another reason some may shelve property-purchasing plans, Lake suggests, as it will take time for the reality of the new rules to sink in. <\/span>Leduc notes that as long as a homebuyer\u2019s closing date is on or after Dec. 15, they can still benefit from the new mortgage rules on a home they buy today. \u201cYou don\u2019t have to wait until the program is activated in December to take advantage,\u201d he tells Wahi.\u00a0
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Canadian housing market rebound likely delayed until 2025
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The latest rate cut may not bring about big changes for most buyers and sellers, and the previous reductions have yet to reignite home prices. According to the latest available data<\/a> from the Canadian Real Estate Association, the index price of a home in Canada was down 3% on a year-over-year basis as of September. Nonetheless, Leduc sees the late-October cut as a \u201cpositive signal\u201d overall.<\/span><\/p>\n

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It will help support homebuying intentions, and, taken with the previous cuts and expected future reductions, should help pave the way for market recovery in 2025, he suggests. \u201cIt\u2019s going to start building confidence,\u201d he says. \u201cI personally think we\u2019ll see a very hot market for \u201825 and \u201826.\u201d Lake agrees. \u201cPsychologically, it is great for the consumer to hear that 3.75% [rate],\u201d she says.<\/p>\n

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In the meantime, Canadians are continuing to cut back<\/a> on spending, according to a recent TD Economics report. \u201cWhile the Bank of Canada has begun an easing cycle, it will take time to see meaningful effects across the economy,\u201d the report reads. “The full impact of easing is unlikely to be felt until the first half of 2025, when a rebound in housing activity should lift home-related purchases.”<\/p>\n

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Wahi Writer<\/p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”1px||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][wahi_socialsharing module_class=”wahi_socialsharing_2″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/wahi_socialsharing][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” height=”30px” locked=”off” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.18.0″ _module_preset=”default” background_color=”#ffffff” custom_padding=”5px||3px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”||19px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” text_font_size=”21px” text_line_height=”1.6em” header_2_font=”||||||||” header_2_font_size=”36px” header_2_line_height=”1.6em” header_3_font_size=”1.25rem” header_3_line_height=”1.88rem” header_4_font=”|700|||||||” header_4_font_size=”1.25rem” header_4_line_height=”1.88rem” custom_margin=”||23px|||” text_font_size_tablet=”21px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”29px” header_2_font_size_phone=”27px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]

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