{"id":41,"date":"2026-10-12T09:00:00","date_gmt":"2026-10-12T09:00:00","guid":{"rendered":"https:\/\/www.olgashvetsov.ca\/blog\/?p=41"},"modified":"2026-10-12T09:00:00","modified_gmt":"2026-10-12T09:00:00","slug":"mortgage-rates-face-a-new-reality-olga-shvetsov-mortgage-agent-level-1-perch-mortgage-brokerage-13263","status":"publish","type":"post","link":"https:\/\/www.olgashvetsov.ca\/blog\/2026\/10\/12\/mortgage-rates-face-a-new-reality-olga-shvetsov-mortgage-agent-level-1-perch-mortgage-brokerage-13263\/","title":{"rendered":"Mortgage Rates Face a New Reality | Olga Shvetsov , Mortgage Agent Level 1 @ Perch Mortgage Brokerage # 13263"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/olga-shvetsov\/rates-face-new\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Mortgage rates are holding steady at higher levels, and that\u2019s a reality many Canadian borrowers are feeling right now. As someone who\u2019s spent over two decades working behind the scenes as an underwriter, I see how these elevated borrowing costs put continued pressure on affordability\u2014and why it\u2019s so important not to just wait for rates to drop. Any relief will depend on factors like inflation, where the economy heads next, and the Bank of Canada\u2019s decisions. With all this uncertainty, buyers are understandably cautious, and many are rethinking their purchasing power, refinancing plans, or even whether to enter the market at all. My focus is always on helping you make confident, informed decisions based on the financing conditions we have today. If your situation feels complex or you\u2019re unsure what\u2019s possible, there are still strategies we can explore together to move forward with clarity and confidence.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage rates are holding steady at higher levels, and that\u2019s a reality many Canadian borrowers are feeling right now. As someone who\u2019s spent over two decades working behind the scenes as an underwriter, I see how these elevated borrowing costs put continued pressure on affordability\u2014and why it\u2019s so important not to just wait for rates [&hellip;]<\/p>\n","protected":false},"author":294,"featured_media":42,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-41","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/posts\/41","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/users\/294"}],"replies":[{"embeddable":true,"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/comments?post=41"}],"version-history":[{"count":1,"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/posts\/41\/revisions"}],"predecessor-version":[{"id":43,"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/posts\/41\/revisions\/43"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/media\/42"}],"wp:attachment":[{"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/media?parent=41"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/categories?post=41"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.olgashvetsov.ca\/blog\/wp-json\/wp\/v2\/tags?post=41"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}