In this exciting episode, we take you behind the scenes of our visit to the CMHC headquarters in Ottawa, where we sit down with Chief Economist Mathieu Laberge for an in-depth conversation about Canada's housing market. From analyzing nationwide rent trends to discussing housing starts and the complex dynamics of supply and demand, this interview offers invaluable insights into the current state of Canadian housing.

Join us as we explore the latest data, reports, and expert analysis from one of Canada's most important housing institutions. Whether you're a real estate professional, investor, or simply interested in understanding the housing market better, this episode provides essential context and expert perspectives on the challenges and opportunities in Canadian real estate.

Featured Guest: Mathieu Laberge - Chief Economist and Senior Vice-President, Housing Insights at CMHC

Key Topics:

• National rent trends
• Housing starts and supply metrics
• Affordability challenges
• Supply and demand dynamics
• Latest CMHC research and findings

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

Buy & sell real estate with Ai at Valery.ca

Get a mortgage pre-approval with Owl Mortgage

See omnystudio.com/listener for privacy information.

The Canadian real estate market is facing significant transitions in 2025, with the Bank of Canada's policy rate at 3.25% and 60% of homeowners facing mortgage renewals over the next two years⁠. National Bank forecasts potential rate cuts followed by hikes in 2026⁠1⁠, while strong December job numbers cast doubt on anticipated rate cuts⁠1⁠.

• Capital gains tax changes are creating uncertainty, with the CRA moving forward with a 67% inclusion rate despite pending parliamentary approval⁠1⁠.
• Demographic shifts show seniors are now more likely to have mortgages than young adults, with 49% of mortgage debt held by those aged 45-64⁠
• Variable-rate mortgages are expected to make a comeback in 2025 as interest rates trend downward⁠, though economic indicators and potential U.S. tariffs could impact the market

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

See omnystudio.com/listener for privacy information.

We examine whether foreign buyers significantly impact housing affordability and discuss the effectiveness of government measures like the foreign ownership ban. With insights into the top countries investing in Canadian real estate and a look at the opportunities Canadians pursue abroad.

• Impact Analysis: Evaluate how foreign investment influences housing prices and availability in Canada.
• Regulatory Measures: Discuss the effectiveness and loopholes of the Canadian foreign ownership ban.
• Global Investment Trends: Highlight the top foreign countries investing in Canada and the destinations where Canadians are investing abroad.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

See omnystudio.com/listener for privacy information.