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Right now, the average Canadian spends more than half their income just to keep a roof over their head. Rates came down. Prices went back up. And a generation of buyers is being priced out permanently. The Bank of Canada cut interest rates from a peak of 5% all the way down to 2.25%. That's a massive drop. & yet last month, housing got harder to afford in 11 out of 13 major Canadian cities. Not because rates went up but because home prices quietly crept back up the moment borrowing got cheaper.