{"id":22889,"date":"2023-07-10T13:00:00","date_gmt":"2023-07-10T17:00:00","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=22889"},"modified":"2023-07-10T12:02:17","modified_gmt":"2023-07-10T16:02:17","slug":"mortgage-forecast-july-2023","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/mortgage-forecast-july-2023\/","title":{"rendered":"How Interest Rate Changes Could Impact Canada&#8217;s Mortgage Market in 2023\u00a0"},"content":{"rendered":"\n<p>The Bank of Canada\u2019s fifth rate announcement of this year is scheduled for this upcoming Wednesday. Although inflation was moving in the right direction in May, consumer spending remains high, causing many to assume that the overnight lending rate will reach the inevitable 5%. One of the major topics of conversation is how this continues to affect mortgage rates in Canada. New and existing homeowners have felt the brunt of higher borrowing costs, but how will this change as the year goes on, and how much will it cost you?<\/p>\n\n\n\n<p><strong><em>Enjoying our content? Subscribe to our free&nbsp;<\/em><\/strong><a href=\"http:\/\/zoocasa.com\/newsletter\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>weekly newsletter<\/em><\/strong><\/a><strong><em>&nbsp;to get real estate market insights, news, and reports straight to your inbox.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Do Higher Rates Mean for My Mortgage?<\/h2>\n\n\n\n<p>In the simplest terms, if rates go up, your mortgage payments will as well. While those on a fixed rate have security if they\u2019re not up for renewal, those with a variable rate will be paying more each month. For those looking to secure a mortgage this year, a fixed-rate mortgage will likely be above 5%, while variable rates will likely be up over 6.5%, and may reach close to 7%.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <a href=\"https:\/\/www.zoocasa.com\/blog\/renewing-mortgage-canada-2023\/\" target=\"_blank\" rel=\"noreferrer noopener\">3 Tips to Maximize Affordability When Renewing Your Mortgage in 2023<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p>For example, the average price of a Canadian home is currently $729,044 according to the Canadian Real Estate Association. At an interest rate of 5%, a homeowner would pay&nbsp;$3,392 a month in mortgage payments on a fixed-rate mortgage. Those on a variable rate would likely end up paying more in the short term, but if we do meet the Bank\u2019s inflation target of 2%, rates could begin to decrease, meaning your mortgage payments decline as well.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"550\" src=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2023\/07\/Asset-1-750x550.png\" alt=\"\" class=\"wp-image-22890\" srcset=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2023\/07\/Asset-1-750x550.png 750w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2023\/07\/Asset-1-300x220.png 300w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2023\/07\/Asset-1-768x563.png 768w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2023\/07\/Asset-1-1536x1126.png 1536w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2023\/07\/Asset-1.png 600w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<p>A few variables could affect this later in the year. Aside from inflation, unemployment is another important factor that impacts rates. Following record levels of low unemployment in 2022, unemployment did increase in May, rising to 5.2%. The economy isn\u2019t infallible but if you\u2019re hoping for lower mortgage rates, don\u2019t hang your hat on it weakening.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <a href=\"https:\/\/www.zoocasa.com\/blog\/spring-survey-2023-interest-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Survey Reveals 71.3% of Canadians Experience Adverse Effects of Increasing Interest Rates<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How High Can Rates Go?<\/h2>\n\n\n\n<p>Theoretically, rates could continue to escalate forever, however, this is extremely unlikely. The greater likelihood is that they will continue to climb until inflation is under control without damaging the economy. Assuming rates increase again this week to 5%, that number would be 100 to 200 basis points over what the Bank would consider neutral for the economy. Rising rates have already slowed real estate sales in some major Canadian markets. In June, the Toronto Regional Real Estate Board announced that prices and sales activity were down from May\u2019s numbers.&nbsp;&nbsp;<\/p>\n\n\n\n<p>As we move towards the fifth rate announcement of the year, preparation is key. If you\u2019re renewing your mortgage this year or shopping for a new home, speak to a lender and secure a rate approval knowing that it\u2019s tough to predict if rates will increase this month and\/or again in September.&nbsp;<\/p>\n\n\n\n<p>Our real estate agents are here to discuss how rising rates are affecting home prices in your real estate market. <a href=\"https:\/\/www.zoocasa.com\/buy-with-zoocasa\" target=\"_blank\" rel=\"noreferrer noopener\">Give us a call today<\/a> to learn more about interest rates, home prices and real estate activity.&nbsp;&nbsp;<\/p>\n\n\n<div class=\"cta\">\n<div class=\"cta-left\">\n<div class=\"cta-title\">Thinking about moving this summer?<\/div>\n<div class=\"cta-body\">We want to help!<\/div>\n<\/div>\n<div class=\"cta-right\"><a href=\"https:\/\/www.zoocasa.com\/buy-with-zoocasa\"><button class=\"cta-button\">Talk To Our Experts<\/button><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Bank of Canada\u2019s fifth rate announcement of this year is scheduled for this upcoming Wednesday. Although inflation was moving in the right direction in May, consumer spending remains high, causing many to assume that the overnight lending rate will reach the inevitable 5%. One of the major topics of conversation is how this continues [&hellip;]<\/p>\n","protected":false},"author":119,"featured_media":22896,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"0","show_view_counter":"0","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"1","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"0","show_prev_next_post":"1","show_popup_post":"0","number_popup_post":"1","show_author_box":"1","show_post_related":"1","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"","hide":""},"footnotes":""},"categories":[1111,172,468],"tags":[],"class_list":["post-22889","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-canada","category-mortgage-news","category-mortgages-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Interest Rate Changes Could Impact Canada&#039;s Mortgage Market in 2023\u00a0<\/title>\n<meta name=\"description\" content=\"Read our mortgage forecast for the rest of 2023. With another announcement from the Bank of Canada set to come on Wednesday, we have looked at how mortgage rates are changing as interest rates increase and how much you can expect to pay on your home now and soon.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zoocasa.com\/blog\/mortgage-forecast-july-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Interest Rate Changes Could Impact Canada&#039;s Mortgage Market in 2023\u00a0\" \/>\n<meta property=\"og:description\" content=\"Read our mortgage forecast for the rest of 2023. With another announcement from the Bank of Canada set to come on Wednesday, we have looked at how mortgage rates are changing as interest rates increase and how much you can expect to pay on your home now and soon.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zoocasa.com\/blog\/mortgage-forecast-july-2023\/\" \/>\n<meta property=\"og:site_name\" content=\"Zoocasa Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Zoocasa\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-10T17:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-10T16:02:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2023\/07\/Zoocasa-How-Interest-Rate-Changes-Could-Impact-Canadas-Mortgage-Market-in-2023-Thumbnail.png\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"338\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Daniel Crook\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2023\/07\/Zoocasa-How-Interest-Rate-Changes-Could-Impact-Canadas-Mortgage-Market-in-2023-Thumbnail.png\" \/>\n<meta name=\"twitter:creator\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:site\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Daniel Crook\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/mortgage-forecast-july-2023\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/mortgage-forecast-july-2023\/\"},\"author\":{\"name\":\"Daniel Crook\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/2a4b65285e841ed26e0f85235df85c59\"},\"headline\":\"How Interest Rate Changes Could Impact Canada&#8217;s Mortgage Market in 2023\u00a0\",\"datePublished\":\"2023-07-10T17:00:00+00:00\",\"dateModified\":\"2023-07-10T16:02:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/mortgage-forecast-july-2023\/\"},\"wordCount\":560,\"publisher\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#organization\"},\"articleSection\":[\"Canada\",\"Mortgage News\",\"Mortgages\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/mortgage-forecast-july-2023\/\",\"url\":\"https:\/\/www.zoocasa.com\/blog\/mortgage-forecast-july-2023\/\",\"name\":\"How Interest Rate Changes Could Impact Canada's Mortgage Market in 2023\u00a0\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#website\"},\"datePublished\":\"2023-07-10T17:00:00+00:00\",\"dateModified\":\"2023-07-10T16:02:17+00:00\",\"description\":\"Read our mortgage forecast for the rest of 2023. 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