Canada’s Fall 2025 Housing Shift — Lower Rates, Rising Supply, and a Quiet Confidence Returning to BC & Alberta
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When the Bank of Canada lowered its policy rate to 2.25 % on October 29 , it sent ripples through a housing market that had spent two years waiting for balance. Then came the federal fall budget , which doubled down on housing and infrastructure investment — injecting nearly $50 billion into municipal projects, supply initiatives, and community housing. Together, these moves are reshaping buyer sentiment from Abbotsford to Edmonton, offering a rare window for Canadians to enter or strengthen their position in a cooling yet resilient market. Rate Cuts That Resonate For many Canadians, this is the first genuine relief since the tightening cycle began in 2022. The new 2.25 % overnight rate translates into: Lower qualifying stress-test thresholds Reduced renewal strain for homeowners Higher affordability ceilings for first-time buyers According to CREA , national active listings have risen more than 7 % year-over-year, signalling that the market is shifting...