{"id":95,"date":"2026-10-11T14:00:00","date_gmt":"2026-10-11T14:00:00","guid":{"rendered":"https:\/\/www.jonathanlu.ca\/blog\/?p=95"},"modified":"2026-10-11T14:00:00","modified_gmt":"2026-10-11T14:00:00","slug":"home-affordability-finds-its-footing-but-rising-rates-could-change-that","status":"publish","type":"post","link":"https:\/\/www.jonathanlu.ca\/blog\/2026\/10\/11\/home-affordability-finds-its-footing-but-rising-rates-could-change-that\/","title":{"rendered":"Home affordability finds its footing, but rising rates could change that"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Housing affordability in Canada has seen a notable shift, especially in key markets like Toronto, Vancouver, and Montr\u00e9al\u2014where falling home prices are making a real difference for buyers. August brought a rise in the average five-year fixed mortgage rate to 4.55%, but so far, this has had only a minimal impact on monthly payments. As someone who has spent years advising local families, new immigrants, and international investors in Vancouver\u2019s dynamic market, I\u2019ve observed that these shifts can open new windows of opportunity for those looking to build long-term assets. While improved affordability is a welcome development, it\u2019s important to keep an eye on changing rates and how they may influence the landscape ahead. I\u2019m committed to helping clients navigate these changes with clarity and confidence, drawing on my experience in both residential and investment real estate across Greater Vancouver.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.mpamag.com\/ca\/mortgage-industry\/market-updates\/home-affordability-finds-its-footing-but-rising-rates-could-change-that\/590137\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Housing affordability in Canada has seen a notable shift, especially in key markets like Toronto, Vancouver, and Montr\u00e9al\u2014where falling home prices are making a real difference for buyers. August brought a rise in the average five-year fixed mortgage rate to 4.55%, but so far, this has had only a minimal impact on monthly payments. As [&hellip;]<\/p>\n","protected":false},"author":193,"featured_media":96,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-95","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/posts\/95","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/users\/193"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/comments?post=95"}],"version-history":[{"count":1,"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/posts\/95\/revisions"}],"predecessor-version":[{"id":99,"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/posts\/95\/revisions\/99"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/media\/96"}],"wp:attachment":[{"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/media?parent=95"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/categories?post=95"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jonathanlu.ca\/blog\/wp-json\/wp\/v2\/tags?post=95"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}