:
Mr. Speaker, I am delighted to say that I will be sharing my time with the member of Parliament for whom I have the great honour of working with in our shared roles as parliamentary secretaries to the Minister of Infrastructure and Housing.
I am thankful for the great privilege to speak today to Bill , an act to authorize certain payments to be made out of the consolidated revenue fund for the purpose of improving housing supply.
Over the past year, Canadians have navigated a rapidly changing and increasingly fragmented world, and Canada is not immune to the economic uncertainty that this has caused. We are dealing with a new reality that is more complex, more volatile, and for many people, more costly and unpredictable. In response, our government remains focused on solutions and on doing the hard work to support our communities, our industries and Canadians.
The current government was elected on a strong mandate to build, and a key area of focus for the and our whole caucus is easing the housing crisis. Put simply, far too many Canadians are struggling to find a home they can afford. Bill is an important part of our comprehensive plan to address this decades-old issue, which is why we need to get it passed and to get it passed quickly.
The legislation would authorize the Minister of Finance to make immediate payments to provinces and territories to support measures to increase housing supply. The proposed funding, totalling just over $1.7 billion, would help make housing more attainable for Canadians. These federal funds would be transferred to provinces and territories to be used exclusively for measures that increase housing supply, including but not limited to reducing development fees or levies on new home construction and making incremental investments in provincial and territorial programming already in place to spur housing development.
Across the country, far too many Canadians are struggling to find a home they can afford. That is why we are taking action on multiple fronts to tackle the housing crisis. We are cutting red tape, investing in housing-enabling infrastructure and modernizing the homebuilding sector. Bill is part of that broader approach.
We have seen encouraging signs of progress in many parts of the country, and the Canada Mortgage and Housing Corporation confirmed that there is cause for optimism. Its “Spring 2026 Housing Supply Report” showed that housing starts increased by 6% in 2025, driven by record levels of rental construction, construction completions and growing activity in missing middle housing. These are encouraging signs, but we know we have more work to do.
We have implemented several federal initiatives to increase housing supply. Last week, the House passed legislation to establish Build Canada Homes as a Crown corporation with the mandate to scale up the supply of affordable housing nationwide. In less than a year, Build Canada Homes has already advanced thousands of projects across the country to increase Canada's affordable housing supply. Soon, Build Canada Homes will have even more tools to get housing built across the country.
Other measures, including targeted tax relief such as removing the 5% GST on new purpose-built rental construction, are lowering upfront costs and helping projects move forward. Programs such as the apartment construction loan program and CMHC's mortgage loan insurance projects help builders secure the capital they require to keep building, while the housing accelerator fund helps to unlock supply by cutting red tape and speeding up approvals.
We are also investing in the infrastructure that makes housing possible. The Canada housing infrastructure fund and the new build communities strong fund support housing-enabling infrastructure, including water and waste-water systems, because homes cannot be built without the underlying systems that support them. A tangible example of this is a recent agreement with the Province of Ontario that reflects our commitment to help municipalities reduce development charges by 30% to 50% or more. These types of costs directly affect whether housing projects move forward. They have a direct impact on the economics that determine whether a project proponent moves forward with construction now or waits until another construction season.
When we talk about thousands of units across the country, we are talking about real places that people will be able to call home. Whether it is families or young people getting their first start, seniors, or individuals who find themselves in need, thanks to the work of the government, these individuals will have the stability, the opportunity and the safety that having their own home provides.
These projects would also mean thousands of jobs for labourers, carpenters, plumbers, framers and other workers across the country. They would mean opportunities for local suppliers and local businesses. At a time when our economy faces the risks of an uncertain world, the government is making the choice to invest in ourselves and to strengthen Canada. Bill would help to further address these pressures.
The $1.7 billion proposed in the legislation would give provinces and territories the flexibility to take targeted action to unlock housing supply quickly and effectively where the communities need it most. This funding could and would make a real difference. Ontario's recent HST rebate announcement on new homes is a key example of how these transfers would improve supply.
As part of tax relief efforts, the Ontario government, thanks to federal support tied to the bill, plans to rebate the full 13% harmonized sales tax on new homes valued up to $1 million, saving buyers up to $130,000. This has already had a positive impact on home sales, as the low-rise sector surpassed its 10-year average for the first time in three years, according to BILD, the Building Industry and Land Development Association. With the passage of this legislation, we could continue to make a positive impact across the country based on the local needs and priorities of the provinces and territories.
Addressing Canada's housing crisis requires more than a one-size-fits-all approach. It demands a unified, all-hands-on-deck effort rooted in partnership, flexibility and immediate action. Bill would help bridge the gap between national ambition and local delivery, with targeted funding for provinces and territories to accelerate housing starts. By empowering our partners, we can build more homes faster and help ensure that every Canadian has a place to call home.
Bill has been designed to unlock new housing supply across the country. Its passage would ensure that the needed funds contained in the legislation would get to the provinces and territories more quickly. I urge all members of this great House to support the legislation.
:
Mr. Speaker, I rise today in support of Bill , an act to authorize certain payments to be made out of the consolidated revenue fund for the purpose of improving housing supply.
This bill would authorize the to make immediate payments to the provinces and territories to support measures aimed at increasing the housing supply. The proposed funding of more than $1.7 billion would help make housing more affordable for all Canadians. This federal funding would be transferred to the provinces and territories and used exclusively for measures aimed at increasing the housing supply, such as reducing development and new home construction fees, as well as for additional investments in existing provincial and territorial housing creation programs. Because we know that the housing market varies from one province or territory to another, we believe that they are in the best position to ensure that the funds are invested where they will have the greatest impact for Canadians.
Unfortunately, after calling for such measures for months, the Conservatives are once again trying to throw a wrench in the works and stall this bill in order to prevent the provinces and territories from accessing these funds. Earlier today, the Conservatives moved to adjourn the House instead of allowing this bill to move forward. This is the third time that the Conservatives have moved such motions to adjourn in recent days. Why are they doing this? They know full well that the measures that we are proposing, such as Bill C‑26, will have a positive impact on the housing market. We know that they do not like good news.
I am a new MP, and I never thought that elected officials could take satisfaction in the headwinds we are facing, with the tariff war affecting businesses and the geopolitical turbulence that brings new challenges every day. However, we on this side of the House are rising to the challenge. The Conservatives know that Bill C‑26 is part of a series of concrete measures that our government is creating to make a difference and fix the housing crisis. They heard this from many experts, developers, non-profits and government officials who appeared before the Standing Committee on Human Resources, Skills and Social Development and the Status of Persons with Disabilities to testify about the importance of lowering building costs and increasing the supply of affordable housing in order to ease the pressure on rents. This is part of what Bill proposes. They know that this bill complements Build Canada Homes, the new investment agency working to increase the supply of affordable housing across Canada. Since its launch last fall, Build Canada Homes has already reached agreements to build over 11,400 units, most of which is affordable housing.
I am tired of hearing them mislead Canadians day after day by saying that Build Canada Homes has not done anything yet. I will provide a few examples.
In Nova Scotia, there is a partnership worth up to $300 million to build up to 1,430 affordable housing units.
In Manitoba, Naawi-Oodena, a historic redevelopment project carried out in partnership with Treaty 1 first nations and the Canada Lands Company, will see 320 affordable homes built. A total of 2,100 units could be built on the entire site.
In Quebec, our governments announced in April a joint investment of nearly $200 million to build 865 new affordable housing units across Quebec. This is on top of the 1,055 units that had already been announced in Longueuil in December 2025.
In the north, we have reached an agreement in principle with the Government of Nunavut and Nunavut Tunngavik Incorporated to build 750 units, including affordable public housing with support services.
In Ontario, we partnered with the City of Ottawa to build up to 3,000 affordable homes for mixed-income households.
To sum up, the number of agreements and projects that are shovel ready far exceeds the time I have to speak.
These projects also mean thousands of jobs for construction workers, electricians, plumbers, carpenters and many local businesses across the country. In an uncertain economic environment, our government is choosing to invest in Canada and Canadians. Last week, the House of Commons passed the bill to make Build Canada Homes a Crown corporation. We now hope that it will be passed quickly by the Senate so that this new agency can have all the tools it needs to speed up housing construction.
It is important to note that the Conservatives did not make any changes to this bill. However, they voted against it. They voted against the thousands of affordable housing units that will be built across Canada, in the ridings of all my colleagues here in the House. They voted against affordable housing for families struggling to make ends meet. They voted against better housing for seniors who need a bit of a break. Now, once again, they are opposing Bill . I hope that the Canadians listening to us today take note of this and understand what it means, specifically that the Conservatives do not care about affordability.
Bill C-26 is part of a package of measures we are introducing to accelerate housing construction in partnership with provinces, territories, municipalities and indigenous communities. These include measures like the build communities strong fund, which will invest more than $51 billion in our communities, including in infrastructure that enables housing construction, such as water and sewer systems. Housing cannot be built without the underlying systems needed to support it, and the need is great across Canada.
Just two weeks ago, the , together with the Premier of Quebec, announced a historic agreement between Canada and Quebec for $10 billion in investments to build more housing across Quebec. That includes $2.6 billion for infrastructure. This is the kind of constructive federalism we support. Our goal on this side of the House is to work and serve Canadians, not to play political games.
Bill includes other measures, among them targeted tax relief, such as the elimination of the 5% GST on new rental housing. Here again, the goal is to reduce upfront costs and move projects forward. Programs such as the apartment construction loan program and the CMHC's mortgage insurance products are available to help builders secure financing.
The proposed $1.7 billion in Bill C-26 would give the provinces and territories the flexibility they need to take targeted measures to increase the housing supply quickly and effectively where communities need it most. This flexibility is essential, because housing needs are not the same in Whitehorse, Montreal, Halifax, or Iqaluit. The provinces and territories are best positioned to determine the measures that will rapidly increase the housing supply in their communities. Collaboration with the provinces and territories is at the heart of this bill.
Solving Canada's housing crisis requires more than a one-size-fits-all approach. It requires a concerted effort in which everyone pitches in, an effort based on collaboration, flexibility, and immediate action. On this side of the House, we understand that. Bill C-26 will help turn our ambitions into meaningful results. We must act now. Canadians need more housing, communities need support, and our economy needs us to keep building. Above all, Canadians need the opposition to get to work. I therefore urge all members of Parliament to support Bill C-26.
:
Mr. Speaker, I will share my time today with the member for .
Before I turn to the business at hand, I would like to share that I was in Hamilton this morning for the change of command of the Royal Canadian Navy. I have had the honour of serving and sailing with both naval officers, Vice-Admiral Angus Topshee and Vice-Admiral Dan Charlebois. After four years of distinguished service and amazing leadership, Vice-Admiral Angus Topshee has turned over command of the Royal Canadian Navy. I think of all the amazing things he did, and he should be acknowledged for his care of those sailors and the others who worked for him. As well, I want to send my congratulations to recently promoted Vice-Admiral Dan Charlebois, who will be taking over command of the Royal Canadian Navy. I have no doubt that he will lead with distinction.
Today, I rise to oppose Bill , an act to authorize certain payments to be made out of the consolidated revenue fund for the purpose of improving housing supply. As always, I rise on behalf of the great people of Cowichan—Malahat—Langford on beautiful Vancouver Island, the seniors, the young families, the trades workers, the veterans, and the men and women who get up before dawn, work hard, play by the rules, yet watch the dream of owning a home drift a little further out of reach every year that passes.
In the Cowichan Valley today, the benchmark price of a single-family home sits above $780,000. Across Vancouver Island, it is close to $800,000, and in greater Victoria, including Langford, the average sale price is now nearing $1 million. However, there are people behind those numbers, and I know many of them by name. I know veterans, men and women who once wore this country's uniform, who are now living out of their trucks. I know forestry and mill workers who have been knocked down by mill curtailments and closures and are now living in campers. I know people who have been taxed out of the very homes they worked their whole lives for, who are now living in trailers and tents. I know young couples who have all but given up on the idea that they will ever stop renting.
When I speak about housing in this chamber, I am not speaking simply about a line in a budget. I am speaking about the greatest single worry in people's lives right now. This bill is such a disappointment to me because the people I represent do not need another illusion. They need a home.
The government has a real gift for illusion. Bill is dressed up as Emerald City on the Hill, with $1.7 billion announced with a great deal of fanfare, and all of it said to be for housing. What I would ask of every member of Parliament is that they pull back the curtain and reveal what the illusion is. When they do, they will find that the whole substance of this bill is in a single small section that says, “The Minister of Finance may make payments to the provinces and territories, the total of which is equal to $1.713 billion”. It also says, “The amount of each payment is to be determined by the Minister of Finance.” Those payments may be made “at the times and in the manner that the Minister of Finance considers appropriate.”
That is the entire bill. There are no conditions attached to it. There is no requirement to come back and report to Parliament, no definition of what “improving housing supply” is even meant to mean, and nowhere does the government commit to building so much as a single home. The government claims there will be 11,000 for the $13 billion it is spending. What we are being asked to approve is not a housing plan at all, but a blank cheque, and we are being asked to trust the one man who gets to fill in that amount.
We have seen this before, and not long ago. Buried inside division 16 of the last budget bill, Bill , was the Defence Investment Agency act. I studied it closely as a member of Standing Committee on National Defence, and tucked away in it was a remarkable power: the authority for a single minister to draw up to $1 billion at a time out of the very same consolidated revenue fund. It is the same fund, the same kind of open-ended discretion, and it is once again being slipped quietly into a budget where most Canadians would never think to look. I spent a better part of three decades in uniform, and I can plainly tell members of Parliament that we do not rebuild a military or a country on a blank cheque, a fancy press release and announcement.
Now, here we are again with Bill . It is a different minister and a different file, but the very same approach. The was reaching into that fund $1 billion at a time, and now the is reaching into that fund for $1.7 billion more. The illusions have many names, and it is my job to pull back that curtain and expose the reality.
This is not a coincidence. It is becoming a habit of the government to gather the money and the decisions into as few hands as possible, strip away the accountability that ought to come with them and trust that the fancy announcement of the day will carry the day. I would gently remind the House where that kind of governing tends to lead. When enormous public resources can be moved around by a handful of powerful people with little real scrutiny, we are no longer describing a healthy democracy. We are describing something closer to an oligarchy.
An oligarchy is never built one dramatic stroke at a time. Rather, it is built quietly, one billion unaccountable dollars at a time. When money on that scale can move on the say-so of one minister with no criteria and no audit, I think we all know who tends to benefit in the end, and it is rarely the young family in Langford or the senior in Duncan. Instead, it is the well connected and the well placed.
This brings me to the real question at the heart of this bill. It does not ask us to trust an institution with all of its checks and balances and safeguards. It asks us to trust one man: the . I think it is fair to ask whether that trust has been earned.
Let us consider the record. The minister told Canadians he had recused himself from the Alto high-speed rail file, one of the most expensive projects in our country's history, because his own wife serves as vice-president at the very corporation building it. He wrote a letter, he announced a screen, and he assured us he had stepped aside. However, when a motion came before Parliament that would have stripped the high-speed rail provisions out of the government's budget bill, the minister did not step aside at all. He stayed and voted to protect the project.
Both of these things cannot be true at the same time. Either he genuinely recused himself or he voted on a matter that reached his own wife's employer. Hundreds of millions of dollars have already been spent and poured into that project, and the track has yet to be laid.
I do not raise this to make anything personal. I raise it because accountability is the whole purpose of Parliament, and this is the same who is asking for the same trust on the same terms, only now the figure is $1.7 billion higher. I have not risen here only to criticize and to show the illusion. The people of Vancouver Island deserve better than what this bill offers, and there is a better way forward, so let me set it out.
First, we could tie the money to results rather than to announcements. The funds should flow against real, measurable increases in housing starts and completions that are verified and made public. Second, we would put the conditions in the legislation itself, not in one minister's head. We need clear criteria, clear timelines and clear reporting back to Parliament. Third, we would bring in the Parliamentary Budget Officer and the Auditor General to follow this money, from the first dollar to the last nail, and tell Canadians honestly whether it worked. Finally, we could direct the funding to the communities that are actually developing, improving and building homes, be it on Vancouver Island or across the country, rather than rewarding the ones that stall. That is how a government could actually improve the housing of Canada.
The people of Vancouver Island are not easily fooled. They have been shown the Emerald City before. What they are asking for this time is a home they can afford in a community they love and a government they can actually trust with every dollar it spends. They are watching this debate right now, and they are waiting.
Let me be clear: I cannot support Bill as it is written. If it does proceed to committee, it must not pass unchanged. It must be fixed. It must be amended to carry the safeguards I have set out today. We need real conditions, real reporting and real oversight so that every dollar is tied to a home built and not one more announcement.
The people of Vancouver Island deserve nothing less. The people of Canada deserve nothing less. They deserve a government they can trust and a Parliament with the courage to hold $1.7 billion of taxpayers' money to account. I urge every member of Parliament on all sides to summon that courage.
:
Mr. Speaker, if you will indulge me for a moment, as Sunday is Father's Day, I would like to thank my father for his love and support to me and my three brothers, for the life lessons he taught us and for his humour, his compassion, his very practical common sense and his love of nature: happy Father's Day to Dad.
Let me get back to the matter at hand, which is Bill , the so-called improving housing supply act. Before discussing the details of this legislation, it is important to recognize why housing remains one of the most pressing issues facing Canadians.
For generations, home ownership was part of the Canadian promise. If someone worked hard, saved responsibly and played by the rules, they could reasonably expect to purchase a home, raise a family and build a future in the community they loved. Today, that promise feels increasingly out of reach. Young Canadians who have done everything right are finding themselves locked out of the housing market. Many are delaying major life decisions. They are postponing marriage, postponing starting a family and postponing putting down roots in their communities because the cost of housing continues to rise faster than their ability to save.
According to the OECD, approximately 35% of low-income Canadian households are cost-overburdened, meaning they spend more than 40% of their disposable income just on housing. Renters are watching an ever-larger share of their income disappear each month, making it even more difficult to save for a down payment. The average rent on a two-bedroom purpose-built apartment in Canada rose 5.1% to $1,550 per month in 2025, and that is if one is lucky. In my home community of Hamilton, the 2025 average rent was over $1,600 per month. Under the Harper Conservative government in 2015, the national average was just $942 per month.
Increasingly, it has become a question of whether future generations will enjoy the same opportunities that previous generations of Canadians took somewhat for granted. That is why all members of this House should be focused on one goal: building more homes. Unfortunately, while there is broad agreement on the problem, there is far less agreement on how to solve it.
Bill is presented as a measure to improve housing supply. The legislation itself is relatively short. It is only two paragraphs. In essence, it would authorize the Minister of Finance, with a giant blank cheque, to make payments to the provinces and territories up to a maximum of $1.713 billion for the purpose of improving housing supply. It is a lot of money, and there is not a lot of indication as to whether there would be results. At first glance, that sounds like a big number and maybe that would achieve something. Canadians do want more homes built. The Conservatives certainly want more homes built. The question is whether the legislation would actually accomplish that objective. That is where concerns begin to emerge.
When Parliament is asked to approve $1.7 billion in spending authority, Canadians certainly have the right to expect a clear plan. They have the right to expect measurable objectives. They have the right to expect accountability. Yet, when members examine Bill , they will find very little detail about what success looks like. How many homes would be built? How many housing starts would result from this spending? What benchmarks would be used to determine whether the money was spent effectively? What reporting requirements would exist to ensure that taxpayers could evaluate the results? This legislation provides few answers. Instead, Parliament is being asked to approve a substantial amount of public spending while placing considerable discretion in the hands of the Minister of Finance. If a municipality came before taxpayers asking for $1.7 billion, citizens would expect a plan. If a private company sought $1.7 billion from investors, shareholders would expect measurable outcomes. Surely Canadians deserve no less when it comes to federal spending.
Let me be clear. Conservatives support working with the provinces to increase housing supply. We support reducing the tax burden on new homes. We support measures that make it easier to build. The partnership with the Province of Ontario promises funding over a 10-year period to boost housing supply. However, in the announcement, there are no clear benchmarks on how many houses would be built. In fact, buyers, home builders and even the Government of Ontario are still unclear as to how this rebate would be implemented. In question period today, the Liberal government gave no clear answer to the question from our shadow minister of housing about when the rebate would be implemented.
Time and again, Canadians hear announcements. Time and again, Canadians hear promises. Time and again, Canadians are told that relief is just around the corner, yet housing affordability continues to worsen. The reality is that after Liberal housing programs over the past number of years, with billions of dollars spent and countless announcements, Canadians are still asking a simple question: Where are the homes? The CMHC cautions that Canada needs 430,000 to 480,000 new homes per year through 2035 to restore affordability to pre-COVID levels.
The government frequently talks about ambition, but Canadians are looking for results. The government frequently talks about investments, but Canadians are looking for homes. The government frequently announces new programs, but Canadians are asking why housing remains less affordable today than it was a decade ago.
One of the most notable aspects of Bill is the government's agreement with Ontario regarding the decision to remove the HST from eligible new homes. Conservatives have long argued that taxes imposed on home construction ultimately make housing more expensive. That is why we support lowering taxes on housing. However, we also believe that Canadians deserve something better than temporary measures and complicated rebate programs. Our position has been consistent: We would permanently remove the GST on new homes under $1.3 million. That would be permanent, not a one-year fix.
The Canadian Home Builders' Association agrees with our vision. It too would like relief on taxes to be made permanent. A permanent GST cut would provide certainty for homebuyers, builders and the housing market. It would reduce costs while encouraging the construction of additional housing supply. That is the difference between a measure designed to generate headlines and a measure designed to generate the building of homes.
Another concern is the government's continued focus on creating programs and bureaucracies instead of a focus on outcomes. Canadians do not measure success by the number of announcements issued by governments. They measure success by whether they can afford a home, whether housing starts are increasing and whether their children have a realistic path to home ownership. Those are the metrics that matter. Canadians understand that housing affordability will not improve because government creates another program, fund or bureaucracy.
After the introduction of the bill in March, between the months of April and May, housing starts decreased by 6%. That is not progress. Housing affordability improves when homes are built. That means reducing delays, accelerating approvals and ensuring that infrastructure keeps pace with growth. Conservatives believe that federal funding should be tied to those outcomes, and that is what we have proposed.
Municipalities that increase housing construction should be rewarded. Municipalities that continue to block growth should expect that taxpayers will not subsidize that failure. The objective should be simple: more homes built every year, not more paperwork, bureaucracy or announcements but more homes. Canada already has the workers, materials, expertise and entrepreneurial spirit needed to address the housing crisis. What is missing is a federal government willing to focus on results instead of process. Canadians are tired of hearing that help is coming. They want to see the homes being built and families getting a key in the door of the home they can actually afford. That is the standard by which the bill should be judged.
Conservatives continue to advocate for policies to get homes built. We continue to push for lower taxes on housing. We continue fighting to remove barriers to construction. We will continue standing up for young Canadians, families and workers who simply want the opportunity to own a home and build a future in this country. Canadians deserve those results, they deserve accountability for $1.7 billion, and most importantly, they deserve a government focused on building homes instead of building bureaucracy.
:
Mr. Speaker, five years ago, I rose in the House to note that my son, Léon, was finishing elementary school. Naturally, five years later, it is time for his high school graduation ceremony, which he will be attending on Saturday. I would like to tell him that I am very proud to be his father and offer him my sincerest congratulations, especially since he made a name for himself in Quebec with his performance at the Quebec Games last summer, where he won two gold medals in swimming, for the breaststroke.
I also want to say that I will be sharing my time with the hon. member for . Let us start by saying something important about Bill : The Bloc Québécois will vote in favour of this bill simply because it is necessary to transfer funds quickly and without delay to help Quebec build and set its housing priorities.
It is rather ironic that the Auditor General of Canada issued a report on child care services. As members know, this policy resulted in an unconditional transfer being made to Quebec. That is because, in 1997, Quebec had already created the network of early childhood centres to provide affordable child care for everyone. This system is renowned and has proven its worth.
Transferring the money directly to Quebec will allow Quebec to manage its affairs as it sees fit and in accordance with its own reality. That is precisely what Bill C‑26 does. It transfers the funds earmarked for affordable housing to the authority that has jurisdiction in this area. As a result, Quebec will be able to ensure that it develops strategies based on its priorities and aligned with the realities of the various communities within its territory. It will be in a position to develop its own strategy for social and affordable housing.
Another advantage is that it reduces administrative costs, because the province already reports on its own expenditure through its own budget. Instead of duplicating costs, the government sends the money directly, cutting red tape and eliminating duplication, which means that everyone wins. Since the money comes without conditions, Quebec will be able to use a variety of means to influence the rental supply, whether that means building housing-related infrastructure, such as sewers and water systems, introducing tax relief or building social and affordable housing. In short, Quebec will have the tools it needs to take effective action using the various levers at its disposal.
Transferring this $1.7 billion allows the provinces to take immediate action, and that reduces wait times. It differs from the strategy of Build Canada Homes, which is just another Crown corporation that creates more duplication, more management costs, more public servant hiring and so on. Transferring the money to the provinces reduces the size of government and gives responsibility to the governments that are actually responsible for housing. Quebec and the provinces each have their individual realities. Quebec's reality differs from the reality in British Columbia. Yukon's reality is completely different from New Brunswick's reality. If every province takes charge of its responsibilities based on its own reality, we will end up with more tailored, more flexible programs.
Over the past few months, at meetings of the Standing Committee on Public Accounts, I have personally questioned various departments about their definitions of urban, rural and remote regions. As the member for a region that could be described as rural and remote, this question concerns me tremendously. What we observe is that the federal government has a distorted view of rural regions. To the Government of Canada, any census area with a population of 100,000 or less is a rural region. Geographic factors apparently do not matter. Abitibi-Témiscamingue is located six or seven hours from urban areas, depending on the destination. That makes it impossible to compete with cities located in the suburbs. The reality is that transferring the funds to Quebec ensures that realities like mine are respected.
Another issue is all the regulatory requirements in federal programs that do not apply to Quebec because it has the Civil Code. Basically, this creates new obligations for Quebec stakeholders, resulting in additional delays and costs to meet a requirement that does not even apply in Quebec. I would like to take this opportunity to thank Lynda Perreault, a member of my team who works in my office and helps organizations navigate the complexities of organizations such as CMHC and Build Canada Homes.
To date, Build Canada Homes still cannot meet its own 30-day deadline for responding to proposals. It made that commitment during a technical briefing on February 17. The truth is, Build Canada Homes does not have enough staff to review the applications. As a result, it has to ask CMHC—or perhaps I should say “the agency formerly known as CMHC”—to do what it used to do: review applications. Who suffers as a result? The projects and the organizations themselves.
For my region, the upshot of this is that we will often miss the construction season. Unfortunately, our summers are shorter than elsewhere. We lose years to administrative delays. Mortgage costs are often passed on to the organizations that wanted to balance their budgets without taking out a mortgage. Winter construction in Abitibi—Témiscamingue is not t really an option. Our winters are very long, so we have no choice but to be more efficient during the summer. Delays result in additional costs for many non-profit organizations that are just trying to create social and affordable housing for vulnerable populations. They end up with extra costs, forcing them to cut back on their operations, which means they end up helping fewer people.
A lot of construction is happening in Abitibi–Témiscamingue right now. However, it is private development. While that is a good thing, it means that families and lower-income individuals are unable to afford these new properties. Furthermore, several developers were told that their applications would be transferred to Build Canada Homes. The reality is that this has not happened. They have to start all over again and resubmit their projects. This means even more hours of work lost for non-profit organizations. If the money had been transferred to Quebec, this sort of problem would not be happening. The solution is so simple.
That is, of course, provided that it does not take two years to sign the agreements, meaning that inflation eats up the lion's share of the funds allocated to Quebec. The Canada housing infrastructure fund agreement was finally signed after two years. The result was an agreement under which Quebec received only $1 billion of the program's $6-billion budget, or 16.6%, which is far less than its share of the population. This is also what is known as a fiscal imbalance. Quebec should have received $1.3 billion to match the figures calculated using the needs identified by the Union des municipalités du Québec, yet we received $300 million less.
The Liberal members from Quebec do not boast too much about that. If we add the inflation of the past two years, we must acknowledge that that money will not go as far today as it could have. It is important to remember that Quebec municipalities are currently experiencing one of the most serious housing crises ever, while a lot of the infrastructure is aging and no longer suitable to today's reality. It is time for Ottawa to do what it must do, which is to unconditionally transfer the money to Quebec and the provinces as soon as possible. This would be a win-win situation for everyone.
I want to give some examples. In 2016, funding for major housing-related infrastructure was also announced, and that funding was immediately allocated to Ontario. It is interesting because the programs in Ottawa are designed with Ontario's reality in mind. It took over three years to reach an agreement with Quebec. I have to talk about inflation again. Then came COVID-19. Then came the skyrocketing cost of housing. Because of this, we were not able to build as many housing units. The amount of housing built was much less in Quebec because of all these constraints. If Quebec's reality had been respected and this money had been transferred with no strings attached, the housing shortage that we have been seeing across Quebec, and particularly in Abitibi-Témiscamingue for the past 20 years, would not be as significant now. That is not without consequences.
I can give a wide range of examples that show that federal programs do not work in Quebec and in rural and northern regions like mine. Energy efficiency requirements are problematic. Ottawa wants to tell us how we should manage energy efficiency, but Quebec City's criteria are different. This means we have to send an inspector on site. That results in additional costs and delays. All of this means we cannot meet deadlines. We cannot finish construction on time, and we lose years of construction time.
It is entirely Ottawa's fault. Ottawa should mind its own business and do what Bill thankfully calls for, namely, respecting the jurisdictions of the provinces and Quebec and transferring the funds unconditionally.
:
Mr. Speaker, we hear it all the time, but this time it is especially true. I am pleased to rise to speak to the long-awaited Bill . It took a long time to understand the actual impact of Bill C‑26. Even though the bill contains too few details for us to judge, the government refused to provide us with information or answer our questions for two months. These were two months wasted, and here we are studying the bill under a time allocation only a few days before summer.
What is Bill C‑26? With only one clause, a person might think it insignificant, but that is far from true. The first subclause of this one-clause bill provides the following:
The Minister of Finance may make payments to the provinces and territories, the total of which is equal to $1.713 billion, for the purpose of improving housing supply.
This is wonderful, but the second sentence, less so.
The amount of each payment is to be determined by the Minister of Finance.
The second subclause provides the following:
Any amount payable under subsection (1) may be paid by the Minister of Finance out of the Consolidated Revenue Fund at the times and in the manner that the Minister of Finance considers appropriate.
The words “at the times and in the manner that the Minister of Finance considers appropriate” carry serious consequences, but I will return to that later.
Let us start with the positive. Bill C-26 finally provides funding that will go directly to the provinces and territories for housing without going through a new federal structure or entity such as Build Canada Homes. Once the bill receives royal assent, the transfer will essentially be unconditional, as long as Quebec and the provinces use it for housing initiatives. That is a good thing. There continue to be acute housing needs, and only a transfer that does not come with unnecessary conditions can get projects off the ground quickly instead of sparking a protracted tug-of-war between Quebec City and Ottawa.
This means that $1.7 billion will be going directly to provincial governments to support the housing supply. That is exactly what the government should have done for all of its housing initiatives, because the housing situation is not the same in Rimouski, Montreal, Val-d'Or, Sept-Îles, Alma, Dolbeau or Roberval. It is even less so from one province to the next. To claim that a centralized structure in Ottawa can impose a uniform vision that works everywhere is to profoundly misunderstand regional realities and the constitutional division of powers.
We saw this with the programs managed by the Canada Mortgage and Housing Corporation. When Ottawa selected projects, Quebec systematically received less than its share. It was only when there was a transfer with an envelope set aside for each province that things went smoothly. I am thinking here of the rapid housing initiative. Not only that, but the Parliamentary Budget Officer estimated in his December report on Build Canada Homes that “[Build Canada Homes] will add about 26,000 units over five years, representing a 2.1 per cent increase in housing completions relative to [the Parliamentary Budget Officer's] baseline projection.” An increase of 2.1% as a result of $7.3 billion in spending is a pretty expensive percentage. It is $3.5 billion to be exact. We are supposed to believe with these estimates that Ottawa knows better than the provinces when it comes to housing, which, I repeat, is within their own jurisdiction.
We would have been quite happy to vote on this bill sooner, if only the government had been transparent and provided us with the details we requested two months ago, instead of dragging its feet as usual. In fact, we have had to keep pressing it for these answers ever since the bill was introduced in March.
We know the federal government well. I have been an MP for seven years. When a transfer is announced, it usually comes with strings attached, even when funds are transferred for areas of jurisdiction that are not federal. Details about potential hidden conditions are exactly what we have been trying to obtain for two months, as I said.
The bill, with its single clause, makes no mention of this. However, it contains this magical phrase, which is magnificent, “at the times and in the manner that the Minister of Finance considers appropriate.”
The press release announcing Bill was just as vague. It mentioned the build communities strong fund and a “requirement on provinces and territories to reduce development fees and other charges to homebuilding.”
What does that mean, exactly? Is this $1.7 billion part of the build communities strong fund? Is it a mandatory requirement for accessing the fund? Is it simply a guideline? Nothing is clear. We are in the dark. Unfortunately, experience has taught us to be cautious. All too often, vague wording hides requirements that are, in fact, very real.
Beyond the issue of the terms, there was another equally crucial issue: Quebec's share. When nothing is set in black and white for Quebec, we know how it ends. Quebec is almost always underfunded in federal housing initiatives. That is why we need a clear guarantee that Quebec will receive at least its share, proportional to its population.
The second sentence of the bill states that the amount of each payment is to be determined by the minister. That is far from a guarantee. We asked the about this two weeks ago during the business of supply. He assured us that Quebec would receive its fair share, that the Government of Quebec was aware of the amount and had approved it. We are somewhat reassured by that answer, but it took two months to get it.
We are nearing the end of this parliamentary session. We are debating under a closure motion. Meanwhile, the situation remains urgent. Housing needs have not diminished, and projects have not progressed any faster. Worse still, this delay comes at a particularly critical time for Quebec. As my colleagues are aware, the October general election in Quebec is fast approaching. Once the election campaign gets under way, the government will be restricted to dealing with day-to-day business. We hope that the Parti Québécois will win the next election. I look forward to debating the merits of a referendum on Quebec independence with my colleague from . This is going to be fun.
Now, I will get back to my speech. In order to actually get the funding provided for in the bill where it needs to go, Quebec first has to sign an agreement with Ottawa and then it has to sign funding agreements with the municipalities. We are running out of time if we want shovels in the ground this spring, but the 's refusal to discuss the matter has caused a two-month delay. I will say it again. I do not know how many times I have said that we are two months behind, but that is what is happening. I am not making that up. Because of this, we could miss an entire construction season.
Not only that, but if we look at the January 21 agreement between Ottawa and Quebec under the Canada housing infrastructure fund, we really do have cause for concern. In that case, the agreement was two years late because Ottawa wanted to impose conditions, so that was a job well done, as usual.
There is also cause for concern because, as my colleague mentioned, Quebec only got about $1 billion, when the total envelope was $6 billion. My colleague from is much smarter than I am, but we still have the same numbers. As he said, that represents 16% of the envelope, which is far less than Quebec's demographic weight in Canada, which is about 22%.
The Union des municipalités du Québec has estimated that Quebec should have received $1.3 billion, but it received $1 billion. That means there is a shortfall of $300 million. I am used to speaking in the House. It will soon be seven years. I am used to it. I always say that when something is good, we vote for it, and when it is not good, we vote against it. I am talking about Quebec, of course. In this case, we will vote in favour of the bill. We would have liked to have voted in favour of the bill sooner. We would have liked to have done so following a proper parliamentary and democratic debate, without debate being curtailed.
I do not understand the government's position on this matter, and that is unfortunate, but we will be there. We will carry on. We will be there just to be there, as former Prime Minister Justin Trudeau used to say. We will be there just to be there.
:
Mr. Speaker, I rise to speak to Bill , at 10:33 p.m. This will be the last time members of Parliament will get to debate the bill because the government has brought down the guillotine to shut down debate.
What is this bill? It is an act to authorize certain payments to be made out of the consolidated revenue fund for the purpose of improving housing supply. That sounds good.
At the outset, let me say this clearly. Canada is not just facing a housing crisis; it is facing a housing affordability crisis. It is not a future housing crisis but a housing affordability crisis right now, which has only gotten worse on the government's watch. Across the country, people are working harder than ever and falling further behind. Young people who have done everything society has asked them to do, studied hard, gotten a job and saved money, are wondering if they will ever be able to afford a home. Families are spending larger and larger portions of their income on rent. Seniors are being priced out of the communities they helped build. Students are sleeping on couches and living in overcrowded housing. More Canadians are finding themselves on the brink of homelessness. In cities and towns across this country, homelessness continues to rise. This is the reality. This is the crisis. It demands serious action.
New Democrats believe government has an obligation to act. We believe public investment has a role to play. We believe Canada must build more housing. We believe governments must be ambitious, but ambition alone is not enough. Public money must achieve public outcomes, including affordability. That is where this bill, Bill , fails. This legislation would authorize the expenditure of $1.713 billion of public funds, yet despite spending more than $1.7 billion, the bill itself contains almost no meaningful safeguards, no measurable affordability requirements and no clear accountability mechanisms.
There are no requirements for affordable housing. There are no requirements for non-market housing. There are no requirements for co-operative housing. There are no requirements for public housing. There are no requirements for indigenous housing. There are no requirements for accessible housing. There are no requirements for rental affordability. There are no requirements that any homes created as a result of this funding remain affordable for future generations. There are none whatsoever. Instead, Parliament would be asked to authorize $1.713 billion dollars and then hand enormous discretion to the Minister of Finance to determine where the money goes and under what conditions.
This is not accountability. This is centralization. Parliament would be asked to write a cheque and hope for the best. New Democrats do not believe that is good enough. If Canadians are investing $1.7 billion, Canadians deserve to know what they are getting in return. Would rents become more affordable? Would homelessness decline? Would social housing waiting lists shrink? Would more co-op housing be built? Would more affordable homes be available to workers, seniors and young families? The bill does not answer any of these questions. This is because Bill reveals something important about how the understands the housing crisis.
The government says this bill is about supply, but Canadians are not suffering from a shortage of supply. They are suffering from a shortage of affordable supply. These are not the same thing. A luxury condominium counts as supply. A speculative investment property counts as supply. An empty condominium tower counts as supply. None of those things necessarily creates affordability. The question is not whether units are being built. The question is who those units are being built for. The question is whether ordinary people can afford them. The question is whether housing is being treated as a home or as a financial asset.
If members read the government's own background documents, something very revealing emerges. The government is concerned about inventory. The government is concerned about sales. The government is concerned about construction activity. The government is concerned about market conditions. The government is concerned about what might happen if inventories increase and housing markets slow down.
Those are all legitimate matters for economists to discuss, but where in the government's framework do we see the issue of affordability or the issue of homelessness? Where do we see social housing wait-lists? Where do we see renter poverty? Where do we see overcrowding? Where do we see indigenous housing needs? Where do we see housing insecurity? Where do we see affordability outcomes? What we see instead is a framework built around market indicators. That tells us something important: that the government is measuring market distress. New Democrats are measuring human distress. Those are very different things.
Canadians deserve honesty from this House. The concern reflected in Bill is not simply that people cannot find housing. The concern reflected in Bill C-26 is that inventories are rising. The concern reflected in Bill C-26 is that sales are slowing. The concern reflected in Bill C-26 is that construction activity may decline. The concern reflected in Bill C-26 is that housing markets are cooling. Those are not the same thing.
A family facing eviction is experiencing a housing crisis. A senior who cannot afford rent is experiencing a housing crisis. A young worker paying half their income to a landlord is experiencing a housing crisis. A worker sleeping in their car is experiencing a housing crisis. A student sleeping in their car is experiencing a housing crisis. A student couch surfing is experiencing a housing crisis. A developer sitting on unsold luxury condominiums is experiencing a market problem. Those are not the same thing, yet this legislation increasingly treats them as though they are.
This is the central flaw of Bill . The government has confused the health of the housing market with the well-being of the people who depend upon housing.
Canadians have seen this movie before. For years, Canadians have been told that if we support the market, affordability will follow. When housing became increasingly financialized and profiteering became the name of the game, we were told affordability would follow. When corporate investors expanded their presence in housing, we were told affordability would follow. When housing prices skyrocketed, we were told affordability would follow. When rents exploded, we were told affordability would follow. When an entire generation found itself locked out of home ownership, we were told affordability would follow.
Today, Canadians are hearing the same message once again: Trust the market, support the market, subsidize the market, and somehow affordability will follow. Canadians have waited long enough. The evidence is in: That experiment has failed. It has failed young people. It has failed renters. It has failed workers. It has failed seniors. It has failed communities across Canada.
The private market builds housing where profits are highest. The private market does not automatically build housing where the need is the greatest. That is why we can have luxury towers sitting empty while homelessness rises. That is why we can have speculative investment properties while families struggle to find housing. That is why we can have thousands of vacant units and thousands of unhoused people in the same city at the same time. This is not a natural phenomenon. This is a policy choice. It is the predictable outcome of treating housing as an asset class instead of a human right.
Let us consider what is happening in metro Vancouver. According to publicly reported figures, approximately 2,500 completed condominiums are currently sitting vacant and unsold. The number has doubled compared with the previous year. Analysts estimate that it could rise significantly further. Think about what that means. Thousands of homes already exist, thousands of homes have already been built, yet people cannot afford them.
At the same time, homelessness remains a serious challenge, renters are struggling and working families are being priced out. The problem is not simply a lack of units; it is affordability. The problem is that housing is increasingly being built as an investment product rather than a social necessity, and that housing has become financialized. Unless we address the financialization, we will continue to produce housing outcomes that fail ordinary Canadians.
There is another example that deserves attention. A major residential tower development in Vancouver recently entered receivership after significant financial difficulties and a loan default involving more than $100 million. An institutional lender stepped in, receivers were appointed and creditors moved to recover their investment. Now, I want to be clear, I am not criticizing construction workers, pension beneficiaries or workers whose retirement savings are invested through pension funds. However, this is an example that reveals something important. Parts of the housing development sector are experiencing financial distress. Sales are slowing, inventories are rising, financing is becoming more difficult, projects are becoming riskier, and Canadians have every right to ask a simple question: Is Bill designed to solve the housing crisis Canadians face, or is it designed to stabilize a development model facing increasing financial pressure?
When I read the government's own rationale, I see repeated concerns about inventory, market conditions and construction activity. What I do not see is an equal concern for affordability, and that should concern every member of this House.
There is another problem with this bill: the allocation formula itself. Ontario received $875 million, Quebec received $320 million, B.C. received $284 million, meanwhile, Manitoba received $10 million, Saskatchewan received $10 million, New Brunswick received $10 million, and Newfoundland and Labrador received $10 million. The government has chosen to distribute funding based largely on housing market indicators. Imagine if we allocated funding based on need, homelessness or renters' needs. Imagine if we allocated funding based on social housing wait-lists, housing insecurity, indigenous housing needs or renter distress. The results would almost certainly look different. This formula is not built around human need; it is built around market conditions. This is an ideological choice, and New Democrats disagree with it.
There is a larger issue at stake. For decades, governments of different political stripes have steadily reduced Canada's commitment to non-market housing. When I say different political stripes, I mean Liberals and Conservatives. The result is that Canada has one of the smallest non-market housing sectors across many developed countries. We sold the idea that private markets would deliver affordability. Instead, we got speculation, financialization, corporate concentration, rising rents, rising home prices and a housing crisis. Surely the lesson is obvious. We cannot solve a housing crisis created by excessive reliance on the market by relying even more heavily on the market.
We need a different approach. We need a major expansion of non-market housing and co-op housing. We need public housing construction, acquisition funds to preserve existing affordable housing, indigenous-led housing solutions and stronger tenant protections. We need affordability requirements attached to public funding, and we need to ensure that every public dollar creates a lasting public benefit.
At the end of the day, this debate comes down to a simple question: Who is the government supposed to work for? When renters are struggling, government should stand with renters. When young people are locked out of home ownership, government should stand with young people. When seniors are worried about keeping a roof over their heads, government should stand with seniors. When families cannot afford housing, governments should stand with families.
That should be the test; not whether inventories are optimized, not whether markets are stabilized and not whether investors are reassured. Whether people can afford a place to live is the key. Government programs should not be designed to bail out big developers. That is the test, and Bill fails it. This bill tells us how much money would be spent. This bill tells us where some of that money would go. However, it never tells Canadians what they would receive in return. There would be no affordability guarantees, no social housing targets, no public ownership requirements and no measurable affordability outcomes, nothing. It is just $1.7 billion and a promise that the market would somehow work things out. We have heard that promise before, and after decades of hearing it, Canada now faces the worst housing affordability crisis in generations. When a former central banker designs housing policy, it looks like Bill C-26 and it clearly misses the mark. It misses the human impact of housing affordability.
New Democrats believe that there is a better path. We believe that housing is a basic human right. We believe that public money should serve public purposes. We believe that housing policy should be judged by outcomes for people, not outcomes for investors. We believe that if taxpayers assume the risk, they deserve affordability in return. We believe that if public money is invested, the public should own part of that outcome. We believe that if government is serious about housing affordability, then affordability cannot be optional.
There are two ways to spend $1.7 billion. We can spend it protecting the housing market or we can spend it protecting Canadians from the housing market. Bill chooses the first path. New Democrats believe parliamentarians should choose the second, always putting people before profits. That is what we are here to talk about with respect to this bill. Somehow, the government misses the mark.
Before this bill came to this critical stage where the government is bringing forward a guillotine motion to ram through the bill without proper debate in the House, I had a briefing with officials. I asked the officials, “What is the funding allocation? What is the formula? How did they determine who gets how much money?” At that briefing, they said that they could not provide that information to me. They were actually not going to share that information. What they really wanted was for me, for the New Democrats and for members of the House to agree on a unanimous consent motion to pass through all the stages—