The "missing middle" housing represents a crucial opportunity in Canadian real estate, focusing on medium-density housing like duplexes, triplexes, and courtyard buildings that fill the gap between single-family homes and high-rise condos⁠⁠. The best opportunities lie in residential properties on major arterial roads in cities, where investors face less competition from first-time homebuyers⁠. This development approach requires a comprehensive team, including legal, financial, and construction professionals, along with significant experience and capital⁠

• Cities across Canada are changing zoning laws to accommodate missing middle housing, with Toronto specifically upzoning main roads to allow 6-10 units without site plan and up to 30 units with site plan⁠
• The target market includes young professionals, younger families, and multigenerational households seeking alternatives to expensive single-family homes and small condos⁠
• Success requires a strong project team, including expertise in multifamily underwriting, CMHC MLI select program understanding, and experience in construction and property management

GET M DDLE SCHOOL EVENT TICKETS

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 enters 2025 facing key challenges: fluctuating rates, new laws, and economic shifts. As questions arise about recovery versus volatility, we'll explore market trends and opportunities through nationwide perspectives.

• The real estate market is experiencing tight inventory levels and improving prices, signaling a potential stabilization.
• CREA anticipates an 8.6% increase in residential property sales, fueled by anticipated interest rate stabilization and improved affordability.
• A notable uptick in market activity is expected, as real estate professionals and investors prepare for potential shifts in buying and selling dynamics.

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.

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.

Justin Trudeau announces his resignation as Prime Minister amid a housing affordability crisis, following his father's historic "walk in the snow" forty years ago. As housing costs and mortgage rates squeeze Canadian homeowners and renters alike, the Liberal Party faces record-low polling numbers. Potential successors Freeland, Carney, and Fraser must now address the party's troubled housing legacy and propose solutions to Canada's real estate challenges.

• Mark Carney's background in financial markets and monetary policy positions him as a strong contender to address Canada's housing market instability and mortgage affordability crisis
• The Trudeau government's housing initiatives, including the Home Buyers' Bill of Rights and attempts to curb foreign investment, largely failed to contain soaring real estate prices and rental costs
• As housing remains a top election issue, opposition parties are gaining ground with alternative housing platforms, promising to boost supply and address affordability through various policy measures

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

See omnystudio.com/listener for privacy information.

Canada's rental market in 2024 saw record new construction and higher vacancy rates (2.2%), though still below historical averages.

New tenants faced 23.5% rent increases, while overall two-bedroom rents rose 5.4%. Despite more availability, affordability remained challenging as new construction focused on luxury units.

• Calgary led rent increases, while Toronto saw slower growth due to rent control and increased supply
• Calgary and Edmonton saw significant construction but longer vacancy periods
• Rent affordability remained a challenge, particularly in Ontario where payment delinquencies increased

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

See omnystudio.com/listener for privacy information.

Despite current challenges, Canada remains positioned for growth, ranking among top G7 nations in GDP, population, and employment growth. Interest rates are expected to decline to around 2.25% by spring 2025, with the Bank of Canada aiming for a soft landing. The real estate market shows signs of recovery across various sectors, with investment volumes projected to reach $48 billion in 2025.

• Immigration policy changes will moderate economic growth, with temporary residents reducing from 7% to 5% of the population
• Commercial real estate shows sector-specific trends: office spaces prioritizing experience, retail expanding to secondary markets, and industrial market working toward normalization
• The investment market is projected to recover with improved sentiment and increased lending activity, though with more conservative underwriting approaches

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

See omnystudio.com/listener for privacy information.