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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The Canadian real estate market showed significant recovery in October 2024, with home sales reaching their highest level since April 2022 and we hear from our host across the country for boots on the ground updates 

•  Market conditions vary by region, with Edmonton and Montreal emerging as the hottest markets while Toronto's condo market faces challenges⁠
• Key highlights:National average home price rose to $696,166, up 6% year-over-year⁠
• Inventory levels dropped to 3.7 months nationally, the lowest in over a year⁠
• Interest rate cuts from Bank of Canada (125 basis points) have helped boost market momentum

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We are joined by Alkarim Devani of  RNDSQR & MDDL, to talk all things Missing Middle!

As the co-founder of RNDSQR for almost a decade, Alkarim demonstrated his vision through numerous projects, including hundreds of middle housing developments and mid-rise buildings with heritage restorations, comprising over 200+ units.

In his new role as co-founder and CEO of MDDL, Alkarim is leading efforts to educate, empower, advocate for, and mobilize an ecosystem across Canada to support the development of middle housing in a simplified, transparent, and sustainable manner.

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