RATE CRISIS: Bank of Canada Issues Warning

The Bank of Canada is thinking about cutting rates, but what does that actually mean for Canadians?

In this video, I break down whether now is the right time to buy, how to lock in the best mortgage deal, and why rate cuts aren’t always as good as they sound.

Here’s what you’ll learn:
✅ Will interest rates really go down in 2025?
✅ Variable vs fixed — which is smarter right now?
✅ How to get the best deal BEFORE the rate cuts hit
✅ Why timing matters more than headlines

📌 Don’t get caught off guard — your mortgage strategy could save you thousands.

💬 Comment below: Do you think rates will drop faster or slower than expected?

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00:00 – Will rates go down in Canada 2025?
00:49 – Is now a good time to buy in Canada?
01:27 – How to get a good deal on real estate
02:27 – Why rate cuts aren’t always a good thing
02:45 – Variable vs fixed mortgage rates explained
03:32 – Why you need a real pre-approval
04:00 – Fixed rates vs variable rates: key differences
04:24 – Best deals may come before the rate cuts
05:03 – Play the long game with your mortgage strategy
06:03 – Market wrap-up: what’s happening now
06:37 – Your action plan to follow
07:16 – Book a call to run your numbers

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✅ RESOURCES & FREE TOOLS
• Apply for a mortgage → https://tinyurl.com/2c9rlxnj
• Try the free mortgage calculator → https://tinyurl.com/26n35h4l
• Find your home value & equity → https://tinyurl.com/2dg55wmz

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📞 CONNECT WITH JUSTIN
• Phone → (905) 684-9595
• Book a Call → https://chaussemortgages.ca/book-appo...
• Website → www.chaussemortgages.ca

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📲 FOLLOW FOR MORE
• Instagram → / justinchaussemortgage
• Facebook → / chaussefinancial
• YouTube → / @ChausseMortgageGroup

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📌 DISCLAIMER
This video is for informational purposes only and is not a substitute for professional financial advice.
Please consult a licensed advisor before making financial decisions.
The presenter is not liable for any financial loss related to the content shared in this video.


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1. Rate Cuts Are Not Automatically “Good News”

Justin warned that rate cuts aren’t always as good as they sound because they typically reflect economic weakness.

The blog summary reinforces this by noting that GDP is contracting and the labour market is softening—exactly the kind of slowdown Justin highlighted as the reason cuts might happen.

2. Best Deals Can Arrive Before a Cut

Justin emphasized that lenders often lower fixed rates before an official Bank of Canada move.

The blog points out that markets are already pricing in a 0.25% cut and that mortgage offers may already reflect this expectation, echoing Justin’s “act early” advice.

3. Strategy Over Timing

Justin encourages buyers to focus on a long-term mortgage strategy instead of trying to perfectly time a rate cut.

The summary ends with the same practical takeaway: prepare your financing now rather than waiting for a single BoC decision.