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Payments on variable rate mortgages have gone up, and house prices have gone down. We are already seeing the impact of higher interest rates, and we are not done yet, according to Prof. Sebastien Betermier. 鈥淚 expect to see a continuation of what we are already seeing,鈥� Betermier told CTV News. 鈥淎n increase in the cost of credit, and a decrease in the use of credit.鈥� Labour shortages are an added complication in guiding Canada鈥檚 economy through this rough patch. A new kind of brain drain has been contributing to that shortage. With the widespread adoption of remote work, workers in Canada are able to work for US-based companies, adding an extra layer of competition for Canadian companies.