Experts predict the Bank of Canada will begin to lower interest rates later this year—just not Wednesday when it held the rate flat. But as inflation has slowed in many areas, it's created an interesting problem for the bank and a troubling one for many Canadians.One of the main factors driving inflation right now is the cost of shelter—otherwise known as rising rents and mortgage costs. Those increases are driven by ... the high interest rates the bank is waiting to lower.  The BoC wants to follow through on its "soft landing" by taking a cautious approach to lowering rates. But by waiting too long, are they courting disaster for millions of Canadians trying to make their monthly home payments?GUEST: David Macdonald, senior economist for the Canadian Centre for Policy Alternatives’ National Office We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter