{"id":70225,"date":"2024-07-24T06:45:33","date_gmt":"2024-07-24T13:45:33","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=70225"},"modified":"2024-10-23T06:47:04","modified_gmt":"2024-10-23T13:47:04","slug":"bank-of-canada-interest-rate-announcement","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-interest-rate-announcement","title":{"rendered":"Bank of Canada Rate Cut: Will Super-Sized Cut Rouse the Housing Market?"},"content":{"rendered":"\n

The Bank of Canada\u2019s first three whacks at the overnight rate \u2014 25-basis point cuts in June, July and September \u2014 weren\u2019t enough to juice the housing market<\/a> in a meaningful way.<\/p>\n\n\n\n

Today\u2019s 50-basis point rate cut is far more aggressive. Partially a reaction to a 1.6% annual inflation rate<\/a> increase in September, this super-sized cut seems geared toward sparking economic growth in the waning months of 2024.<\/p>\n\n\n\n

A slight rise in home sales might fulfill the Bank\u2019s expectations to some extent, but this cut isn\u2019t likely to trigger a watershed moment for the housing market. <\/p>\n\n\n\n

Other challenges, and a looming set of mortgage rule changes<\/a>, might keep buyers on the sidelines a while longer.<\/p>\n\n\n\n\n

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Find the Best 5-Year Fixed Mortgage Rates<\/span>
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Browse Current Mortgage Rates<\/span>
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Compare Variable Mortgage Rates<\/span>
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What today\u2019s rate cut will do: Lower some mortgage rates<\/h2>\n\n\n\n\n\n\n

Slashing the overnight rate by 50 points is no joke where variable mortgage rates<\/a> are concerned. Once the cut is absorbed by the nation\u2019s lenders, we may see variable rates around 4.8% \u2014 the lowest they\u2019ve been since December 2022.<\/p>\n\n\n\n\n

That\u2019s still about 0.8% higher than today\u2019s best three- and five-year fixed rates, so it\u2019s not as if buying power will get an across-the-board boost. Someone wanting a variable-rate mortgage will still have to pass a stress test<\/a> with a qualifying rate of at least 6.8%, and that\u2019s a best case scenario.\u00a0<\/p>\n\n\n\n

Buyers who can manage the stress test and afford current variable rates may feel like now is an opportune time to get into the market. Supply is building and demand is fairly tepid, giving buyers more bargaining power than they\u2019re used to.<\/p>\n\n\n\n

Paying a little more for a variable while the market\u2019s quiet could also be seen by some buyers as a short-term opportunity cost: Your monthly mortgage payment<\/a> will be higher today than if you wait for another rate cut, but how much more would your mortgage cost if the next cut ignites the market and the home you want is the target of a bidding war<\/a>?<\/p>\n\n\n\n

When what-if\u2019s of this nature are running through buyers\u2019 minds, it can be hard to pull the trigger on a home purchase. Sales might not spike in the next few weeks, but the number of calls mortgage brokers receive definitely will.<\/p>\n\n\n\n

What today\u2019s rate cut won\u2019t do: Speed up mortgage rule changes<\/h2>\n\n\n\n

Home buyers in Canada\u2019s priciest markets \u2014 Toronto, Vancouver and Victoria \u2014 probably have December 15 circled on their calendars. That\u2019s the day the country\u2019s new insured mortgage limit goes into effect.<\/p>\n\n\n\n

Once the new limit is in place, homes priced in the $1 million to $1.5 million range will be eligible for mortgage default insurance<\/a>, and will no longer require a 20% minimum down payment. The minimum down payment for a $1.5 million home, for example, will drop from $300,000 to $125,000.\u00a0\u00a0<\/p>\n\n\n\n

Let\u2019s say you\u2019re a buyer in a market where detached, semi-detached and townhouse properties regularly sell for over $1 million. Your income is decent and you can afford a mortgage at today\u2019s rates, but you \u201conly\u201d have access to a $100,000 down payment, not the $200,000 lenders currently require.<\/p>\n\n\n\n

In this scenario, you might have to hold off on buying a home until those down payment requirements are slashed. Mortgage rates are not your primary pain point, and the Bank of Canada can\u2019t help you.<\/p>\n\n\n\n

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Best Mortgage Rates in Canada<\/h3>\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tCompare Canada’s top mortgage lenders and brokers to fine the mortgage rate that will meet your needs.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t

Compare Best Mortgage Rates<\/a><\/div>\t\t\t<\/div>\n\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\"Ad\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n\n

What today\u2019s rate cut can\u2019t do: Change financial reality<\/h2>\n\n\n\n

Home buyers aren\u2019t only hemmed in by high rates and inflation-eroded savings. They\u2019re also carrying large debt loads<\/a> and falling behind on their debt payments, both of which can severely limit their mortgage options.<\/p>\n\n\n\n

According to Equifax Canada\u2019s latest Market Pulse, Canadians carried an average non-mortgage debt of $21,649 in the second quarter of 2024. That kind of debt can wreak havoc with a borrower\u2019s debt service ratios, and disqualify them from getting insured mortgages with smaller down payment requirements. <\/p>\n\n\n\n

Consumers are also falling behind on debt repayments, which lowers credit scores and sends up red flags for lenders. Canada\u2019s non-mortgage delinquency rate surged by more than 23% in Q2, hitting its highest level since 2011. <\/p>\n\n\n\n

A Bank of Canada rate cut will ease some of those debt burdens. Variable-rate auto loans and lines of credit, for example, will be less expensive. But it might be a while before indebted consumers can claw themselves back to where lenders want them to be.<\/p>\n\n\n\n

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\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tClay Jarvis<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Clay Jarvis is NerdWallet\u2019s mortgage and real estate expert in Canada. Thus far, his entire professional writing career has revolved around real estate. Prior to joining NerdWallet, he was the…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Clay Jarvis and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t

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\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t
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\n
\n\t
\n\t\t\t\n\t\t\"Mortgage\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tMortgage Rate History in Canada\t<\/a>\n<\/h4>\n\n\t
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Canada\u2019s mortgage rate history includes some breathtaking highs and lows. Find out how today\u2019s fixed and variable mortgage rates compare.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Mortgage\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tMortgage Payment Calculator\t<\/a>\n<\/h4>\n\n\t
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Use our mortgage payment calculator to estimate your monthly mortgage payments in Canada. Enter your loan details to get an accurate and quick assessment of your mortgage costs.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Yes,\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tYes, You Can Negotiate Mortgage Rates: Here’s How To Do It\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Understand posted vs. special rates when shopping, and use a mortgage broker (if you’re skittish) to find success when negotiating mortgage rates. <\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Monthly\t<\/a>\n\t\t\t
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\n\t\n\t\tMonthly Down Payment Monitor: February 2025\t<\/a>\n<\/h4>\n\n\t
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Find out how much you might have to set aside for a down payment on a home in Canada.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

The Bank of Canada\u2019s 50-basis point rate cut will lower variable mortgage rates, but it won\u2019t change the game for most home buyers.<\/p>\n","protected":false},"author":25,"featured_media":70228,"parent":106,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"2024-07-24T13:45:38Z","apple_news_api_id":"c03931f1-2104-4724-bb37-b92d5290f0d8","apple_news_api_modified_at":"2024-07-24T13:45:38Z","apple_news_api_revision":"AAAAAAAAAAD\/\/\/\/\/\/\/\/\/\/w==","apple_news_api_share_url":"https:\/\/apple.news\/AwDkx8SEERyS7N7ktUpDw2A","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"GENERAL","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\",\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/ff6f03d3-5d35-4234-ac35-51f87783566e\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[16],"topic":[121],"cluster":[246],"pp_author":[87],"acf":[],"apple_news_notices":[],"yoast_head":"\nBoC Interest Rate Cut: Will an XL Cut Rouse the Market? - NerdWallet Canada<\/title>\n<meta name=\"description\" content=\"The BoC's October cut will make variable interest rates more appealing, but won't change the game for most buyers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-interest-rate-announcement\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BoC Interest Rate Cut: Will an XL Cut Rouse the Market? - NerdWallet Canada\" \/>\n<meta property=\"og:description\" content=\"The BoC's October cut will make variable interest rates more appealing, but won't change the game for most buyers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-interest-rate-announcement\" \/>\n<meta property=\"og:site_name\" content=\"NerdWallet Canada\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NerdWallet\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-23T13:47:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/07\/GettyImages-1328352004-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2120\" \/>\n\t<meta property=\"og:image:height\" content=\"1414\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NerdWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"Clay Jarvis\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-interest-rate-announcement\",\"url\":\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-interest-rate-announcement\",\"name\":\"BoC Interest Rate Cut: Will an XL Cut Rouse the Market? 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