44th Parl. 1st Sess.
May 2, 2023 10:00AM
- May/2/23 10:38:15 a.m.
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Madam Speaker, having a place to call home should not be merely a dream in Canada. It should not be a distant memory from generations past. It must be an achievable reality for all Canadian families. Canada cannot reach its full potential until everyone has a safe bed to sleep in and a welcoming place to come home to at the end of the day.
I have had the privilege of visiting many communities in Canada, and there is a despair that too many Canadians are feeling, an emptiness that many of our fellow citizens are dealing with as the dream of having a home of their own slips further and further away from their grasp. Canada needs leaders who will turn rhetoric and words into real tangible action to get shovels in the ground now.
The housing situation in Canada is in crisis, and times of crisis require bold action and real leadership.
I have spoken in the House before about Kim Doughty. She was the catalyst who motivated her husband Claude and me to get an emergency shelter in Huntsville, six beds of emergency shelter and 10 units of transitional housing. The community rallied to the cause and we got the project built. We were justly proud of the accomplishment. We also knew it was just one step, that much more to be done.
After I was elected as mayor, I met with Kim again, and some of her housing colleagues, and she told me some heartbreaking stories about suffering and struggle. Most of it was in hiding right in our picturesque Muskoka.
What Kim told me that day years ago is the same thing we hear today in our communities all across the country. Housing is more than economics. It is more than shovels, dirt and wood. For too many, it is literally life and death. If the leaders of all levels of government took up the cause of combatting this crisis, we would do more than just make our communities more affordable; we would literally save lives.
At that time, our council and administration set to work to change policies. We made land available to developers to build, and so did the community take up the cause.
The Table Soup Kitchen was working hard at the time to open a shelter for men in Huntsville. It was very near completion when an issue arose over the fire code and access and entry points, so we were not quite ready to open it. In the midst of all of this was a young man named Paul.
Paul had his struggles, but he was a joyful fellow and well-liked in the community. He requested to stay in the shelter one night, but he was turned away because it did not have its occupancy permit yet. Therefore, he stayed in his old beat up Volkswagen van that night. When police later found Paul's van, their investigation concluded that the candle he lit, presumably to create a bit of warmth on that cold November night, had tipped over as he slept.
Huntsville lost Paul that night, and our community was devastated, as was I. I received emails from residents who were shocked and angry, some charging that Paul's blood was on my hands. Paul's father later wrote a letter to our community to thank us for welcoming his son and for making Huntsville the place Paul called home, quite proudly. He assured us that Paul's death was not anyone's fault, that Paul made his own choices and that no one was to blame. Yet, were we not? Was I not, just a little?
What more could I have done to resolve the occupancy dispute? What mental health supports were not there that should have been there? Are any of us in leadership doing enough right now?
Tragically, Paul's story is not unique. It is one that is repeated in every corner of our country.
On average, in Toronto, three homeless people die a week. The vacancy rate for rentals in Canada is 1.9%. That means there is nothing to rent. Rental rates have doubled in the last eight years of the current government. Home prices have doubled in the last eight years under the government. For the 35-year-old living in their parents' basement unable to start a family, the entrepreneur thinking of moving to another country or the company passing off the opportunity to grow in Canada because it simply cannot find a place for their workers to live, the problem is getting worse.
It is a crisis. It holds our country back from economic opportunity and prosperity. It holds Canadians back from being able to achieve their dreams. It stops us from building communities. In many cases, it is life and death.
The problem is that we do not have enough supply. Years of bad policy have left our country without enough homes for Canadians. We are not building fast enough to keep up with the rising levels of immigration. The result is that too many of the homes we have today are too expensive for too many of the Canadians who live here.
The solution is to get more shovels in the ground and build more homes faster. We must make it easier to build, easier to get permits, easier to source the skilled labour and building materials needed to get the job done. We must make it harder for the NIMBY activists and politicians who hold development up to stop them from doing that.
Unfortunately, what we get from the government is a lot of talk and no real results. We see a Minister of Housing who attends a lot of announcements, but not a lot of ribbon-cuttings, groundbreakings or grand openings. In fact, a few weeks ago, I asked the Minister of Housing if Canada was in a crisis, something his provincial counterparts, economists, housing experts and his own officials agree upon. He rambled on about political talking points and spoke about his government increasing their ambition.
In a crisis, we devote every possible resource to addressing an issue. It means bringing every single partner to the table and taking an all-hands-on-deck approach to face the challenge head on. Not surprisingly, the minister has not done this, because he does not seem to be aware of the magnitude of the problem.
Canadians deserve better than that. They deserve a country where if they work hard and play by the rules, the dream of owning a home will always be in reach. Our country deserves a government that will work hard to get shovels in the ground, as those Canadians who work hard every single day, saving and sacrificing, do their part to build a brighter future for them and their families.
This crisis is real, and the solutions we put forward must be bold. The old way of doing things simply does not work anymore. For years, housing providers from social housing, co-op housing, community groups and market-based developers have found it nearly impossible to access CMHC programs. Its procedures are convoluted, its decisions often do not even make any sense. The Auditor General's has reported that they are not entirely sure if what it is doing is having any impact. Canadians do not need the Auditor General to tell the truth. The fact of the matter is that it is not working.
Just last week, the CMHC raised insurance rates on multi-unit purpose-built rentals. It raised those premiums by almost 200%. The government's out-of-touch housing policies will continue to drive up the rent on the most vulnerable Canadians and further stall the construction of new units.
However, there is good news. The Conservatives are ready to clean up the government's mess. We are going to get the big government inaction out of the way and ensure that the federal government is no longer a barrier to getting more homes built. We are going to make available a minimum of 15% of underutilized government properties and clear the way for homes of all kinds to build on land that the government has not been using.
While we are at it, we will stand up to the NIMBY activists and cowardly politicians who plague our system, the folks who fight tooth and nail against new homes being built in our communities. The Conservatives understand that if we are ever going to ensure that the next generation, that new Canadians and that young families have the same opportunities that every person in the House has had, then we cannot allow the NIMBYs, the naysayers and the critics to stand in the way anymore.
That is why we are going to tie federal funding on all infrastructure projects for municipalities to how quickly they can clean up their act and get homes built faster. We will require that any major transit project to receive federal funding must have the land around that transit ready to go for high-density housing immediately.
Let me be clear that the Conservatives are loudly and proudly saying yes to building more homes in Canada's backyard. The days of municipal councillors being able to hold up projects and vilify homebuilders must come to an end. The days of talk, delays and deferrals must be a thing of the past.
Come the next federal election, the days of having a Minister of Housing who does not even have the courage to admit that Canada is in a housing crisis, let alone take the actions to fix it, will be done too.
As a former mayor, I can tell members that homes do not get built without leaders who have the courage, the fortitude and the conviction to make the tough decisions, some decisions that are not popular but must be made.
From coast to coast to coast, the housing crisis is claiming lives and shattering dreams. Canadians are living out of trailer parks and taking on crippling levels of debt. Sadly, too many are dying in the streets of our communities, big and small. It is time for bold action and tangible results. Working with all levels of government, trade unions, the private sector and community organizations, we will get things built.
I ask every Canadian who has ever dreamed of having a place to call his or her own, the single mom working relentlessly to build a better future for her children, the entrepreneur thinking of leaving Canada, the new immigrant dreaming of coming to Canada, the young people locked out of the housing market, the parents with young people still living in their basements, to not lose hope because we hear them loud and clear and help is on the way.
After the next federal election, the Conservative government will hit the ground running and work on day one to ensure that having a place to call home at the end of the day is not just the privilege of a few, but the reality of every single Canadian from every walk of life. A home of one's own in this magnificent Canada must no longer be just a dream; it must be a reality. The Conservatives will get our country building again. The Conservatives will bring it home.
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- May/2/23 12:07:07 p.m.
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Mr. Speaker, I wonder if my friend can provide his comments regarding the important non-profit sector. I think of Habitat for Humanity, which has built brand new homes and made them accessible to people who would never have the opportunity otherwise. It is a group we have invested in and supported.
Could the member provide his thoughts on both the need for additional housing and the growth of the housing co-op industry?
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- May/2/23 12:08:18 p.m.
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Mr. Speaker, I am happy to rise to engage in this debate today about housing. In fact, I could talk about housing all day long.
The motion before us today is indeed an interesting one. In the Conservatives' approach, per usual, they focus only on issues where they could actually put out buzzwords to rev up the community about a situation. The solutions they provide often have tremendous gaps and, interestingly, they always miss when it comes to targeting the corporate sector. I wonder why the Conservatives always think the corporate sector will take care of things, that somehow things will magically be okay, including the situation with housing. If the market were going to take care of the housing crisis, or, in fact, if the market were not going to escalate the crisis, then we would not be in this situation today.
The reality is this: When we look at the housing crisis from coast to coast to coast, we do need government intervention. I am a strong proponent of that, saying that the federal government needs to show leadership. It does not matter who is in government. Whether it is the Liberals or the Conservatives, government needs to be there for people to ensure housing as a basic human right.
The reality is that the government has not been there. That is why we have the housing crisis we face today. The Liberals cancelled the national affordable housing program back in 1993. Our country lost more than half a million units of social and co-op housing that would otherwise have been built had the Liberals not cancelled the program.
Now, I have to say that the Conservatives also did not do their part. They were in government as well. They did not invest in housing as they needed to do. More to the point, neither the Liberals nor the Conservatives invested in housing to meet the needs on the basis of housing being a basic human right. Not only that, but they allowed the market to go rampant in taking advantage of Canadians who need housing.
What happened after the federal Liberals cancelled the national affordable housing program? We started to see real estate investment trusts come into the market. They started to buy up housing stock in the community. Not only did they start to buy up the housing stock, but the government of the day also allowed them to walk away with a free pass to boot. They did not have to pay the corporate tax rate, even though, for all intents and purposes, they operate like a corporation.
As a result, the seven largest real estate investment trusts did not have to pay taxes at the corporate rate to the general revenues, to the tune of $1.2 billion. This tax should have been collected, and then the government could have reinvested that money into housing by creating an acquisition fund for non-profits, which the Liberals say they support. They should have funded it so that we could hold the housing stock. However, the Liberals did not do that.
It was not just the Liberals; the Conservatives did not do that either. They allowed this to go on and on. Now, the Auditor General and the Parliamentary Budget Officer just issued a report indicating that Canada will lose another $300 million over the next four years if we do not change the tax policy. The NDP has said on the public record that we need to stop fuelling the housing crisis. Corporate landlords need to pay their fair share, and real estate investment trusts need to pay the corporate tax rate. The money that we collect should be reinvested back into housing.
However, we do not see any of that language in this motion today. The Conservatives are saying that local governments should pre-emptively upzone a parcel of land for the development of housing. Now let us be clear: When they do that, what is happening is that the Conservatives are saying to the local government to just write developers a blank cheque. Every time a parcel of land is upzoned, that land value increases exponentially.
I am not saying we should not upzone land for further housing development, but my question is this: Why did the Conservatives not put in language to say that there needs to be a return back to the community? When we give value in land to the developers, there has to be a return back to the community to ensure that the increased value in land that they receive from the upzoning is actually going to the community in the form of community contributions, more social housing, day care spaces and green spaces, as examples. The Conservatives consistently and persistently give a free pass to the private sector; according to the New Democrats, that is wrong.
We also want to see “affordability” defined. What has happened over the years is that both the Liberals and the Conservatives have eroded the term “affordability” to the point where it is meaningless. In fact, if we talk to people in the non-profit sector, they think that when the government says “affordable housing”, it is a four-letter word. It does not actually amount to being affordable by any stretch of the imagination.
Once upon a time, core-need housing was deemed to be affordable when it was geared to income. That has now disappeared. It no longer exists. It exists only in theory, and that should stop. This motion should have incorporated language on affordability and defined it better.
We want to tie federal infrastructure dollars for municipalities to the number of new homes built, impose clawbacks on municipalities that delay new home construction, and ensure that there is federal funding for major transit projects to cities that pre-emptively upzone lands around transit infrastructure for higher-density housing.
The NDP is calling for amendments to this motion. We are calling for the Conservatives to accept three amendments. Specifically, we want to ensure that at least one-third of the new homes built meet core affordability needs and that at least one-third of the new homes are set, at a minimum, at 20% below market housing rent. We need to ensure that upzoning provides tangible benefits to local communities, including additional affordable housing, additional green spaces and child care spaces. We also need to ensure that the underutilized federal properties made available for housing to create new social co-ops and community housing guarantee the affordability of those units and that the value of the upzoning goes back to the community and not into the hands of the developers. That is what we need to do.
I hope that the Conservatives will support these amendments and that the language of the amendments fits what is required in this House.
I move that the motion be amended as follows: “(a) in paragraph (a) by adding after the words ‘new homes built’ the words ‘to ensure at least 1/3 of the new homes built meet core affordability needs of Canadians, that at least 1/3 is set at minimum 20% below market housing rent’; (b) by adding the following paragraph after paragraph (b): ‘ensuring that this “up-zoning” provides tangible benefits to local communities, including in the form of additional affordable housing, additional green spaces, and child care spaces, so that “up-zoning” does not just benefit developers’; and (c) in paragraph (c) by replacing the words ‘housing while guaranteeing’ with the words ‘social, co-operative, or community housing to guarantee.’”
That is the motion that I would like to move in order to amend the Conservative motion; it can ensure that we are clear in what we are talking about, that “affordability” is clearly defined and that there is a return back to the community when we upzone land so that the benefit is not just a blank cheque for the developer; rather, it is a community benefit going back to the people.
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- May/2/23 1:10:40 p.m.
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Mr. Speaker, it is great to rise any day in the honourable House to see my esteemed colleagues debate a very important topic for our constituents from coast to coast to coast.
Before I get into my formal remarks, I first want to thank those Canadians who are out there today, in the communities we all call home, building the homes that newcomers and Canadians who are purchasing their first home will move into, whether they are in the mid-rise, low-rise or high-rise categories of the housing sector, and whether they are in Ontario, B.C., or out on the east coast. I want to thank all of the union members from my riding's own LiUNA Local 183. Its training facility and future headquarters will open in a few months. I also want to thank the carpenters' union Local 27, the individuals who build the homes, and those in the subtrades, such as electricians, the people who do the forming, and the roofers. I wish to thank all of the folks who participate in building homes across Canada for what they do day in and day out. Whether it is raining, cold, snowing or hot, they are there doing that great work.
The housing builders and developers, many of whom reside in the city of Vaughan and are good friends, do a phenomenal job building homes for Canadians. They take risks, and they have done it for decades. Some of these developers and builders came to Canada as immigrants, especially those in the Italian Canadian community. For the last 50 or 60 years, they have built literally thousands of homes for Canadians. It is great to see the next generation, their kids, taking over their businesses and continuing that entrepreneurial spirit that personifies the country that my parents, who now get to call Canada home, came from.
I am pleased to have this opportunity to talk about an issue that really matters to me: housing affordability for Canadians.
Everyone in Canada deserves to have a safe, affordable home, but we know that is getting harder and harder for Canadian families across the country. Housing is a key socio-economic determinant essential to building communities, supporting our families and creating opportunities for young people.
In the wake of the pandemic, we are experiencing a period of high inflation and rising interest rates. Canadians are extremely concerned about the housing crisis and are getting more and more worried.
The Canadian housing system is complex, with many factors contributing to significant and ongoing price increases. We know one of the main reasons for the crisis is that housing supply is not keeping up with demand and has not been for years. Canada's population is growing faster than that of any other G7 country, but our housing supply has not been able to keep up with demand.
Supply and demand are out of balance.
There is no simple solution. However, in the medium and long term, a big part of the solution lies on the supply side. In other words, to make housing more affordable, we need to build more housing. That is what our government is doing with the national housing strategy, which includes many supply-side programs supported by more than $82 billion over 10 years.
The strategy was developed before the pandemic. That is why the 2022 federal budget, which focused on housing, introduced new tools to to address the new housing reality and the new challenges in the wake of the pandemic.
In budget 2022 we made new investments to expand existing programs. Steps were also taken to accelerate the rollout of certain programs. We have also introduced new initiatives to tackle the issue of housing affordability from all angles. More recently, the government proposed new measures in budget 2023 to continue these efforts.
I would like to use my time today to talk about a new initiative that will be launched this summer, the housing accelerator fund. This $4-billion fund will provide money to local governments to encourage them to improve their housing approval and construction processes. This will make it possible to build more housing faster.
Our government has had discussions with mayors and local leaders across the country. They told us that they face obstacles that they still do not have the financial capacity to overcome. Whether it is housing-related infrastructure, outdated permitting systems, the introduction of inclusive zoning or the promotion of public transit-oriented housing projects, the obstacles they face are real.
Projects to create new housing are often delayed at the municipal level. That is a very significant problem. For that reason, our government worked with all levels of government and the housing sector to find a real solution. The housing accelerator fund will help local governments resolve these problems by supporting measures to reduce red tape, delays and other obstacles to the construction of new housing. The fund will help expedite the supply of housing across Canada. We anticipate the creation of 100,000 net new housing units by the time the initiative ends in 2026-27.
Even better, the positive impact of the measures being put in place will be felt for many years to come. Because we are investing in systemic changes, the impact of the activities that this fund will support will be felt beyond the duration of the fund itself. These activities will continue to promote the construction of more new housing, including affordable housing, in the long term.
The goal is not just to build more housing. This new initiative seeks to build a more effective housing system. It will encourage the creation of inclusive and equitable communities that are resilient to climate change and favour diversity.
A lot of work has been done across the country since we launched the national housing strategy in 2017. Our government's investments are making a difference. They are creating much‑needed housing and giving vulnerable people the support they need to remain housed and build a better future for themselves. Through the housing accelerator fund, our government is pleased to expand these efforts even further. By investing in promoting affordable housing, the government is contributing to establishing stronger communities, creating jobs and growing the middle class, all while aiming to end chronic homelessness and offering help to the most vulnerable among us.
There is still a lot more work to be done to make housing more affordable in Canada, and we cannot do it alone. That is why we plan to continue working with our partners, meaning the provinces, territories, municipalities, indigenous communities, non-profit organizations and the private sector, to build the housing that Canadians need. By working together, we can ensure that everyone in Canada has a safe, affordable home.
In conclusion, I hope my remarks have helped make the circumstances surrounding this new initiative and its general parameters clearer for everyone. More details about the housing accelerator fund are available on the CMHC website.
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- May/2/23 1:21:35 p.m.
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Uqaqtittiji, the Liberal government has been, for years, saying that there is no relationship more important than that with the first nations, Métis and Inuit. The member talked about how much more work they still need to do regarding housing, including indigenous housing, showing how indigenous peoples are at the bottom of the priority list.
Can the member explain why it is that the government chose to make sure that indigenous housing does not start until 2024 and is spread out wide over Canada when there are so many indigenous peoples that are in dire need of homes?
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- May/2/23 1:40:14 p.m.
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Mr. Speaker, I am pleased to rise in the House to discuss the motion we are moving today to call on the government to make renting more affordable and make access to first-time home ownership easier. This is something that the government does not seem to be too concerned about. Who pays the price at the end of the day? It is Canadians yet again.
After eight years of this Prime Minister, things are not looking very rosy for Canada. We are experiencing the worst inflation in 40 years. Grocery prices are spiking, and so is the cost of housing and homes. Canadians are struggling to make ends meet. They have to choose between food, clothing and shelter. Workers are bringing home a paycheque that is worth less because everything goes to taxes. With the little that is left, they have to pay for groceries that keep going up in price. They have to pay for their car, and gas prices keep climbing. They have to pay for clothing and housing as well. It should come as no surprise that people are at the end of their rope.
I want to remind the House what constitute basic needs: food, clothing and shelter. Having a roof over one's head should not be a luxury. It is a basic and fundamental need. In an industrialized country like ours, no one should have to worry about not having access to affordable housing or a home. It is unacceptable and inconceivable that people have to sleep in their parents' basement because they have no money.
We are talking about hard-working, dedicated people who have done everything they have been told to do, but still find themselves having to live with their parents because mortgages and housing prices have skyrocketed under this Prime Minister. In fact, mortgage and rent prices have doubled since this Prime Minister has been in office.
When the Liberals took office, the average monthly payment for a new home was $1,400. Today, it is over $3,000. Renting is no better. In 2015, the average rent in Canada for a one-bedroom apartment was $973. Today, the average price is $1,760. Finding a place to live in Canada has become very difficult for both renters and owners.
Canadians can simply no longer afford to keep this Prime Minister with his inflationary spending in office. The Prime Minister does not like taking responsibility. We have seen that in the past. This is not the first time he has blamed everyone else for his incompetence and bad policies, as well as his bad decisions. Sometimes we wonder what the Prime Minister's real role is because, to hear him speak, he controls very little in this country.
That is the case with the current housing crisis. He blames the rising rents on a global phenomenon, but it is not true. Statistics show the opposite. The vast majority of countries do not have a housing crisis like we do in Canada. The average house in Canada now costs twice as much as in the United States. How can that be? Despite having a population 10 times that of Canada and less land, the United States does not have the same housing crisis as Canada.
Let us compare Toronto and Vancouver. We have always known that rent is expensive in those two major cities. That is not new, except that the situation is going from bad to worse. In a new ranking of the most unaffordable cities in the world, Vancouver is third and Toronto is 10th. New York and London are ranked lower. That is incredible.
Once again, the Liberals refuse to take responsibility for the current housing crisis in Canada. We are in a real crisis. Nine out of 10 Canadians have given up on the idea of buying their first home. We are talking about an entire generation that cannot imagine being able to buy a home to raise a family, all because of this government's inflationary spending and taxing.
Years of bad policies have left us with a housing shortage. We have land to build housing, but it is taking too long to get the buildings built. The Liberals have pumped billions of dollars in federal subsidies into the big cities, but this has not resulted in more new builds or enough affordable housing. It appears to be a pattern with these Liberals. They turn on the money tap, but nothing gets any better. In fact, the financial situation of Canadians is getting worse.
Another point that I would like to make involves the down payment needed to buy a property. As members know, it was already taking people many months or even years to save up for the dreaded down payment. After eight years under a Liberal government, that down payment has doubled. The minimum down payment for an average house in Canada went from $22,000 to $45,000. The cost of housing has doubled, so of course the down payment has also doubled.
In short, Canadians have less money in their pockets to meet their basic needs. They do not have any wiggle room, but now they have to save twice as much for a down payment. That clearly does not make any sense.
When I talk about affordable housing, I think about a woman in my riding named Martine. She came to see me last week. Martine works as a cashier in a pharmacy. She lives in a decent home with her 12-year-old daughter. She has always lived modestly, but she and her daughter have always had everything they needed. Now, with inflation, that is no longer the case. She came to see me in tears saying that she could no longer make ends meet. Groceries and gas cost too much, and her rent just went up. Because she is unable to afford her rent, she is going to have to move into subsidized housing if she meets the criteria, but even that will be difficult because of a lack of availability.
I hear stories like Martine's every week. I see my constituents going into debt to cover their basic needs while the Liberals are off spending taxpayers' money. Go tell Martine, who has to choose between food and clothing, that her money is being thrown out the window, that the Liberals are spending to excess without even making Canadians' lives better.
This opposition day allows me to highlight a real problem in this country. The housing shortage and every problem that stems from it deserves a day of debate, a day of sharing ideas to force the Liberals to change their policies, which are not helping Canadians in any way whatsoever. After eight years, it is obvious.
This day also allows us to give Canadians a sense of what Canada would look like under the leadership of the Leader of the Opposition. A Conservative government will bring back common sense, in other words, homes and housing that Canadians can afford, by removing the gatekeepers to free up land and speed up building permits. We will stop the flow of infrastructure funding to municipalities that block new home construction, and we will give construction bonuses to cities that quickly give the green light to builders so that they can provide affordable housing. It is time Canadians got to enjoy a standard of living befitting a country such as ours. It is common sense.
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- May/2/23 3:06:06 p.m.
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Mr. Speaker, we know that the key to building more housing supply is to work with provinces and municipalities. The Conservatives do not understand that. In fact, their leader, this morning in this chamber, denigrated and attacked three of the mayors of Canada's largest cities. That is not going to build one unit of housing for the most vulnerable in this country.
What we have done is bring real solutions, including the housing accelerator fund, which will double the number of new homes built in Canada. Instead of supporting that and getting serious about this issue, the Conservatives offer gimmicks and buzzwords.
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- May/2/23 4:07:40 p.m.
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Madam Speaker, it will come as no surprise to anyone that the Quebec government wants full powers over immigration. Part of the housing crisis can be attributed to the fact that the construction of new housing has not kept up with population growth.
Can my colleague not face the facts and recognize that it would be more efficient and more productive to give Quebec full control over its immigration and, at the same time, that it makes sense to transfer the money to Quebec so that it can plan its supply of new housing for the long term, taking immigration into account, if only to ensure that the housing crisis does not get worse?
Since 2016, we should have had 100,000 more new homes than we do now.
Does my colleague not realize that the Liberal national housing strategy is a complete failure and that there are human consequences to that?
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- May/2/23 4:26:37 p.m.
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Madam Speaker, I will be splitting my time with the member for Kenora.
Homebuyers across Canada are confronted by two massive obstacles that they must work through as they try to buy and finance a home. First, families are struggling with the devastating impact of the Liberal government's economic mismanagement and its housing plans. To great fanfare, the government announced Canada's national housing strategy in 2017 to make housing, it said, more affordable and accessible. It has been an obvious and utter failure.
Canada's home prices have doubled since 2015. Today, the average home price in this country is an eye-popping $800,000. Ask any recent buyer or aspiring buyer if they are better off today than they were eight years ago, and the answer is a resounding, emphatic no.
The second obstacle is the cost of financing a home, which has skyrocketed. Thanks to the Liberal government's massive deficit spending, Canada's debt has doubled to $1.2 trillion. On top of that, the interest rates to service that debt have skyrocketed and will soon hit $50 billion every single year.
The indirect costs of that debt are significant. Reckless spending has fuelled inflation to levels Canadians have not seen in 40 years, and this has driven up interest costs. The result is higher mortgage payments. Today the average mortgage payment in this country has doubled to $3,000 a month. These two factors have made home ownership more expensive and pushed it out of reach for countless Canadians, particularly young Canadians.
The lack of housing and higher costs have also been ruinous to home and apartment rentals. The average rent for a two-bedroom apartment in Canada's 10 biggest cities is now $2,213, compared to $1,170 before Canada's Liberals broke the housing market. Vancouver and Toronto are now the third and tenth most unaffordable cities in the world, outstripping places like New York and London.
Big city governments that delay permits and have excess red tape and taxes can add as much as $200,000 to the cost of each new home built in this country. No wonder people cannot afford to buy a home, with prices like this being driven up by the gatekeepers.
Owning a home and raising a family are the foundation of the Canadian dream, yet for many this dream appears to be slipping further and further away. It is out of reach because the Liberals are out of touch. Home ownership has become an impossibility for too many Canadians since the Liberals first took office. In Canada, it is considered affordable to buy a home if the cost is less than 30% of a household's before-tax income. It now takes 60% of Canadians' income to cover the cost of owning a home. Those who have scrimped and saved for years to afford their first home now find themselves questioning if they can ever achieve the Canadian dream.
This crisis did not happen overnight. It has steadily worsened every year the Liberals have been in office. The Bank of Canada's governor, as well as the finance minister, led people to believe that interest rates would remain low. Today, thousands of Canadians are grappling with the stark reality that those entrusted with governing and overseeing the nation's finances failed.
The Canadian dream was once a straightforward proposition: work hard; play by the rules; finish school; get a decent job; get married; save each month for a down payment; have a family; and one day retire, owning one's home. However, for many of my constituents in New Brunswick, those who have done everything right, this dream is unattainable today. That is, no matter how hard families work or how much they save, the dream of home ownership is a mirage.
The Liberals have failed to deliver affordable housing, and that was made abundantly clear in the Auditor General's report last November, which revealed that, despite spending tens of billions of dollars, and the Liberals are great at rattling off program after program and the mounds of money they have spent, when it comes to homelessness, the numbers keep rising.
The Auditor General says that the departments responsible, Infrastructure Canada and Employment and Social Development Canada, failed to even adequately track results, instead relying on outdated national shelter data to assess the effectiveness of their programs. In fact, the government's numbers, even using numbers the Auditor General said were less than reliable, indicate homelessness has increased nationally by 6.6% since 2018. We are talking about hundreds of thousands of people who no longer have homes.
The Auditor General also underscored that the Canada Mortgage and Housing Corporation, or CMHC, which oversees the majority of the housing strategies under the government, has no idea who benefits from its initiatives. Low-income families are being priced out of the market by funding rental housing that is supposedly affordable, but proves to be unaffordable for working families. It is an absolute mess.
Housing is one pillar of the Canadian dream, and the other is raising a family, yet the high cost of living, driven by inflated housing prices, has further discouraged Canadians from that other joy of life, which is starting a family. The average household debt in Canada reached 183% of disposable income in 2022, limiting the financial freedom and security of many Canadians.
The risk of homelessness is also going up because demand for homes has surpassed supply. New Brunswick's many affordable units were purchased in the last couple of years in my riding. This has forced people out, as buyers either moved in or increased rents. Families have been forced to move elsewhere to work and live. This has had a twin impact on the labour market, as small communities now cannot keep young families, which tend to be part of the economic foundation of these economies because they provide work for businesses and start small businesses, and it is not always by choice. This is happening because they are being priced right out of their neighbourhoods.
For those who cannot move or find an affordable place to live, the result is sadly and frequently homelessness, and this has a devastating impact on one's mental health, as well as personal safety. For the most vulnerable, those who are on the edge of poverty or trying to break the cycle, there are nowhere near enough shelter spaces, supported housing for persons with addictions or disabilities, rental units, or even starter homes. It is imperative that we address the housing crisis at its core by scaling up and building more. No government program is going to solve this problem. We need to build homes for future families. The Liberals cannot, but Conservatives will get it done.
The CMHC has noted that, as of April 27, the housing shortage throughout Canada is going to worsen. The agency has predicted that there will be a 32% decline in home building this year, as the cost of borrowing remains high and building costs have risen by 20% in the past year alone.
How is the carbon tax working now? We said it was a tax on everything, and it is. It is driving up the cost of living in this country, especially on new homes. It is Canadians, despite the government insisting it is doing everything right, who are paying the price. A Conservative government would incentivize home construction across Canada.
Step one would be to fix Canada's affordability crisis is restoring credibility to Ottawa's budgets. We would restore the federal government's finances, which have contributed to inflation and higher interest rates on home buyers. We would impose penalties on big city gatekeepers for excessive obstruction of housing projects. We would require cities seeking federal funds to pre-approve zoning for high-density housing and employment on land surrounding transit stations and hubs.
Last, we will sell off at least 15% of underutilized federal buildings in its property to ensure these buildings become affordable housing for families.
We must make the dream of home ownership a reality for families again. This is the only way we can secure a brighter future for our nation, for our children and for the next generation.
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- May/2/23 4:41:06 p.m.
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Madam Speaker, there are two points from the hon. member that I would like to respond to.
First of all, that is what makes this problem so infuriating. What began as an issue primarily for Vancouver and Toronto has now spread across the country. Even the smallest communities in my riding on the east coast, places with populations of 6,000 and 8,000, are experiencing homelessness, a lack of affordable housing and huge, huge price increases. This has been growing and I recognize that, but what is fundamental to understand is how much worse it has become over the last eight years with home prices doubling across the country. It is a tough file and there is no doubt about it, but it has become so much worse under a government that is doing everything wrong.
Where I disagree with my hon. colleague is that the NDP views the housing stock as static, as fixed, and that we have to try to control and regulate it. Our view on this side is that we need to expand the stock of homes—
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