The Emerging Trends report, collaboratively produced by ULI and PWC with 175 contributors, provides comprehensive insights into various markets and asset classes across Canada⁠. While some markets struggle with high interest rates and construction costs, others like Calgary and Edmonton are benefiting from strong population growth and relative affordability⁠⁠.

• Toronto's condo market faces its "toughest challenge in decades" with record-high unsold inventory of 25,893 units and numerous delayed projects⁠.
• Calgary leads as the top real estate prospect for 2025, driven by strong population growth (87,000 new residents) and economic diversification⁠
• Secondary markets like Edmonton, Saskatoon, and Winnipeg are gaining attention for their affordability and growth potential, with Edmonton ranking 4th for overall real estate prospects in 2025

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The Bank of Canada has made its 5th consecutive rate cut, dropping rates by 50 basis points, creating a 150bps differential with US rates - the largest since 1997⁠. While the housing market shows increased activity without price inflation⁠, there's disagreement between former governor Poloz and current governor Macklem about whether Canada is in a recession⁠. A recent poll shows Canadians prefer a strong dollar (61%) over lower interest rates (39%)⁠

• The housing market is experiencing increased activity without price inflation, which the Bank of Canada views as a positive development⁠⁠​
• Former BoC Governor Poloz believes Canada is in a recession, while current Governor Macklem maintains the economy is still growing, though slowly⁠⁠​
• Current market conditions present opportunities for investors with falling prices and rates, but come with risks of declining rents and increasing unemployment⁠

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This podcast episode features interviews from the 2024 Ontario Home Builders' Association Annual Conference in Niagara Falls with key figures in Ontario's home building industry⁠, including conversations with the regulator responsible for consumer protection, builders, and other industry leaders⁠. The interviews include discussions with Wendy Moir (CEO of HCRA), Mike Memme (Chair of OHBA and Co-Owner & Operations Manager of Mountainview Building Group), Scott Andison (CEO of OHBA), Dave Depencier (Past Chair of OHBA and Owner & President of Depencier Builders), and Miyoko Oikawa (Senior Manager, Stakeholder Liaison and Technical Services at OHBA).

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We explore the concept of rent-to-own real estate in Canada, comparing it to car leasing and explaining how it bridges the gap between renting and owning property.

• Rent-to-own offers two main agreement types: a lease option agreement where tenants have the choice to buy, and a lease purchase agreement where they're obligated to buy at the end of the term⁠
• The typical structure includes an upfront option fee (1-5% of home price), monthly rent payments with a portion going toward the future purchase, and a predetermined purchase price⁠
• This strategy is particularly beneficial for people who can't qualify for traditional mortgages due to insufficient down payment, low credit scores, or non-traditional income sources⁠

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We explore critical challenges facing the real estate market and broader economy⁠. From housing affordability concerns to visa expirations and commercial real estate trends, these developments are reshaping the Canadian market in significant ways, oh and will Canada become the 51st State?

• Housing affordability remains a major concern, with projections suggesting no significant improvement until 2035⁠
• A potential demographic shift looms as visa expirations could lead to significant population changes⁠
• The commercial real estate sector is experiencing a transformation, with a shift towards asset management and ongoing challenges for Vancouver developers⁠

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Josh Findlay of BLD Financial serves mid-sized real estate developers executing projects in the $2M-$10M range in Canada. We discuss CMHC policy impacts, the MLI program's focus on energy efficiency and affordability, and emphasizes the need for sophisticated investment strategies and expert support.

• The $2M to $10M market is underserved by traditional banks, creating a significant opportunity in this "missing middle" segment⁠
• ⁠​CMHC policies are constantly changing and impact financing options, requiring ongoing attention to policy updates
• ⁠​Risk management is crucial when dealing with high-leverage projects, emphasizing the importance of careful financial planning⁠⁠

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What are Development Charges (DC's) and what is the actual impact on housing & the economy. We are also joined by Matt Young of Republic Developments as an expert and advocate of DC's.

• Development charges are fundamental fees collected from developers to fund municipal infrastructure⁠⁠​
• These charges have risen dramatically and are significantly impacting housing affordability⁠⁠​
• The government is a major beneficiary, collecting substantial revenue through various taxes and fees on new home construction⁠
• ⁠​High development charges actively discourage builders from constructing new homes, affecting housing supply⁠⁠

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You may have heard of them, or maybe as a landlord, you've tried one, or as a tenant you’ve been on the receiving end of a renoviction. Thats renovation + eviction = renoviction. But what are they & why are we hearing so much about them right now.

• Good Faith Vs Bad Faith Renovictions
• The laws and bylaws being passed around the country
• Rent Control Vs. Vacancy Decontrol
• The case for Landlords & Tenants

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