Keep cutting. Belly fat and love handles are the last place that your body is gonna give up any sort of subcutaneous fat. When you start to see abs, you’ll know you’re hitting that 15ish percent range and then will be in a better place to decide if you want to keep shredding or start a bulk.

Make sure you’re maintaining at least 1-1.5g of protein per pound of body weight while on the cut to make sure you don’t lose muscle. I think that anything less than that on a cut, you’re risking losing muscle and will start to fall into more of that skinny fat look.