Does a Bank of Canada Rate Cut Fuel Market Sales Activity? Here's the analysis by numbers:

June & July ‘24: Both showed post-peak declines (-22% in June, -16% in July) after decent weeks, pointing to mid-summer cooling. 

In October ‘24 with a larger than usual 0.5% rate cut, we witnessed a massive spike of +52% from the week before, followed by a sharp -10% drop after. This was the biggest swing across all periods. 

In December ‘24 (another 0.5% rate cut) sales held steady at low levels, a slight +7% bump, then almost flat (-0.8%) after. This shows a softer market going into the holidays. 

In January ‘25 the rate announcement barely moved sales at all (-2% then -0.7%). This was one of the calmest stretches.

September ‘25: After a five-month pause in rate cuts, sales jumped +44% week-over-week. That kind of restart suggests pent-up activity due to greater affordability in the market.

My Opinion:

We’ve seen short-term surges when rate drops feel fresh, bold, or long overdue. But when the market is soft, distracted, or burned out from previous announcements, the impact is minimal. In September, after a five-month pause, the rate cut sparked a +44% spike in activity, a clear sign that pent-up demand is real.

So what should you do with this insight?

Buyers: This is your window. Affordability has improved, but prices haven’t surged (yet). Waiting could mean more competition, not better deals. Lock in a home before sentiment shifts and bidding wars return.

Sellers: Buyers are back, but they’re selective. Well-priced, well-presented homes are moving fast. If you’re thinking of listing, do it before inventory climbs and buyer urgency fades.

Want to talk strategy?

Reply to this email or book a quick call and I’ll guide you based on what’s actually happening.

Happening in Hamilton

Week of Sept 25th - Oct 1st

From spooky thrills to live music and hometown soccer pride, Hamilton is packed with can’t-miss events this week.

RBG AFTER DARK: SO LONG SUMMER (RBG Rock Garden) Thu Sept 25, 6:30pm - Food, drinks & live music send-off to summer. Tickets $25 Click here for more info

PARANORMAL CIRQUE IV (Eastgate Square) Fri–Mon, Sept 26–29 - A chilling mashup of circus stunts, illusions, and dark comedy — 13+ only. Tickets $35-$80 Click here for more info

FORGE FC vs PACIFICA FC (Tim Hortons Field) Sat Sept 27, 4:00pm, Forge FC faces Pacific FC in an exciting CPL showdown. Tickets $24-$81 Click here for more info

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