The housing crisis is no longer an abstract concept. It is very real – and measurable – across the country.

The affordability of housing, measured by the ratio of homes prices to median household income, has declined dramatically over the past two decades.

Toronto and Vancouver are now poster children for the worst housing affordability. The cities rank first and second worst, respectively,...

The housing affordability crisis is often framed as a simple imbalance between supply and demand. However, the crux of the matter is that governments – particularly at the municipal level – have turned new housing into a revenue tool, relying heavily on development charges (DCs) to fund projects.

What were once modest, targeted fees to ensure that growth pays for growth have morphed into...

Ontario’s investment property market operates under stricter down payment requirements than primary residences, a regulatory divide that continues to shape access, competition, and portfolio strategy across the province’s diverse real estate landscape.

Regulatory Framework and Property Type Requirements

Investment properties in Ontario require a minimum 20% down payment, regardless of property...