As someone who has navigated the GTA real estate market for over a decade, I understand how economic shifts can ripple through our housing landscape. Recent research from central bank analysts highlights something many of my clients feel firsthand: when interest rates are cut, home resales in Canada pick up quickly—often within 18 to 24 months. But the supply of new housing doesn’t really start moving until about two years later. This lag means that while borrowing may get cheaper and buyers become more active—especially when strong job markets boost confidence—the number of available homes takes time to catch up. Builders face their own delays due to planning and permitting, particularly for multi-unit properties. Ultimately, while rate cuts can eventually help bring more supply, they tend to push up demand much sooner, keeping affordability pressure high. For buyers and sellers alike, understanding these timelines is key to making informed decisions. Drawing on my experience, I always aim to help clients position themselves strategically in this ever-evolving environment.
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