
Provinces ‘hold the key' to unlocking homebuilding, new report argues
No province earned a grade higher than C+ in the report assembled by the Task Force for Housing and Climate, a non-governmental body that was struck in 2023 with backing from the philanthropic Clean Economy Fund.
The task force's 'report card' evaluated governments based on their policies for building homes quickly and sustainably.
It gave the federal government the highest grade in the country — a B — while Alberta ranked at the bottom of the pile with a D+. The rest of the provinces' scores were in the C range.
Mike Moffatt, the report's author and founding director of the Missing Middle Initiative at the University of Ottawa, suggested that the provinces have thus far avoided 'scrutiny' for their role in perpetuating the housing crisis, while Ottawa and the cities have taken the heat for red tape and high costs.
'Provinces really hold the key here. They have the most policy levers and, in many cases, they've actually done the least,' he said.
The task force is co-chaired by former Edmonton mayor Don Iveson and former deputy leader of the federal Conservatives Lisa Raitt. Prime Minister Mark Carney was one of the group's members before becoming federal Liberal leader.
'Currently, no government is doing enough to get these homes built,' said Raitt in a statement accompanying the report.
The task force compiled its report card based on its evaluations of government policies to encourage factory-built housing, fill in market gaps, boost density, map high-risk areas and update building codes.
The report found plenty of variability even within provinces, said He said both Saskatchewan and Ontario are doing well on building away from high-risk areas but are falling short on increasing density.
The report gave British Columbia, Quebec and Prince Edward Island a score of C+ — the highest score received by any province.
Moffat said B.C.'s grade suffered because while it encourages density 'on paper,' its slow permit approvals and high building costs frustrate development.
While Alberta is doing well on the pace of housing starts alone, he said, that's mostly due to leadership at the municipal level in Calgary and Edmonton — not provincial policy.
Alberta Premier Danielle Smith said in the provincial legislature in November that the government was 'not standing in the way of the private sector to build more affordable housing.' She said increasing housing supply would 'automatically' bring down costs for Albertans.
Moffatt said Smith's stance is 'correct' — lowering barriers to development is critical to expanding the supply of affordable housing — but that's 'only part of the story.'
He said Alberta has to take 'responsibility' for the housing demand it induces through its successful marketing campaign to lure Ontarians to the province.
Moffatt said the province also has to make sure homes are built sustainably and not in the path of wildfires, and can't abdicate its responsibility for filling gaps in social housing.
'We need both. We need a strong, robust private sector to deliver housing, but we also need government to come in and fill in the gaps,' he said.
Moffatt said the provinces are falling behind on mapping flood plains and need to take responsibility for provincial legislation that leads to higher development charges.
He noted that the report card was based only on implemented policies and did not capture the impact of proposed legislation such as Ontario's Bill 17, which is meant to speed up permits and approvals, simplify development charges and fast-track infrastructure projects.
The report said the federal government's housing accelerator fund, which encourages municipalities to simplify zoning rules to get more shovels in the ground, has made progress but needs enforcement tools to keep cities accountable after they strike funding deals with Ottawa.
Moffatt said he hopes to use the report card framework to track progress on housing goals in the future, and to work on separate research to evaluate municipalities' housing policies.
This report by The Canadian Press was first published May 29, 2025.
Hashtags

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles


Hamilton Spectator
18 hours ago
- Hamilton Spectator
Why Doug Ford's controversial law to fast-track development is focused on the Ring of Fire
The story In the beginning, when it was still called Kawana 'bi 'kag, no one imagined that the 5,000 square kilometres near James Bay might one day save Canada from economic warfare launched by an American president named Donald Trump. There's nothing like an existential crisis, it seems, to focus a country's attention on unearthing billions of dollars worth of critical minerals. Amid First Nations protests and legal challenges, Premier Doug Ford passed Bill 5, creating sweeping new powers to fast-track development and in the north, that means brushing past years of delay on the land now known as the Ring of Fire. It holds what the world craves: nickel, chromite (for chromium), cobalt and more, all needed for global security or green energy. And all often in short supply, threatening economic devastation from supply chain disruption. Ford wants jobs for Ontarians. Prime Minister Mark Carney needs economic prosperity independent of America and its mercurial president. Now, nearly 20 years after the minerals were first discovered, the Ring of Fire may be entering its prime time. Although, as First Nations leaders recently observed, Trump will be out of office long before the mining roads are built, so why the 'unconstitutional' rush? Here is an explainer on the remote north, a place of conundrums. The earth You may ask, what makes these minerals critical? In short, the digital and green economies of the future — including massive new infrastructure needed to support artificial intelligence — will not exist without them. 'There is no energy transition without critical minerals: no batteries, no electric cars, no wind turbines and no solar panels,' a federal minerals strategy once said. Depending on market fluctuations, minerals hold immense value. The Democratic Republic of Congo provides 70 per cent of the world's cobalt. Indonesia supplies 40 per cent of nickel. And China is the largest processor of minerals, a dominance that has, on occasion, led to disruptive trade practices and price swings, according to a recent Public Policy Forum report. Deposits locked under the Ring of Fire include: Nickel: It is used in the production of stainless steel and is increasingly valued in advanced technologies, particularly in batteries for electric vehicles. Cobalt: Considered essential for the production of military equipment, it is used to produce superalloys used to make jet engines, missiles and submarines. Copper: Used in electric vehicles, wind turbines, solar power panels, and battery energy storage systems, it is also considered essential for the creation of data centres that will support artificial intelligence. Chromite: This is the ore from which chromium is extracted. Chromium is essential to the manufacture of stainless steel. Platinum: A metal that plays a vital role in autocatalysts, which reduce greenhouse gas emissions from vehicle tailpipes. Palladium: A 'platinum group element,' it is used in electronics and in vehicle emission reductions. The timeline As modern mining lore has it, speculators in the Hudson Bay lowlands discovered its chromite in 2007. Depending on the loquaciousness of the storyteller, one or several prospectors were Johnny Cash fans and so inspired, quickly named the lands around their discovery the Ring of Fire, launching years of environmental assessments, ownership changes and new mining claims. The Ring of Fire was included in Ontario's 2010 speech from the throne and in the ensuing years, premiers Dalton McGuinty and Kathleen Wynne raved over its potential, although Sudbury already mines critical minerals. And in 2018, along came Doug Ford. Running for the premier's job, he promised to build roads to the untouched minerals, which were in a distant region of the province accessible only by airplanes or (melting) ice highways. 'If I have to hop on a bulldozer myself, we're going to start building roads to the Ring of Fire,' Ford tweeted. This did not impress the First Nations who make Kawana 'bi 'kag their home. Today, seven years and two elections later, with no roads built, Trump's antics inspired new laws rushed through the Ontario legislature and the House of Commons: Ford's Bill 5, the 'Protect Ontario by Unleashing the Economy Act' and Carney's Bill C-5, the 'One Canadian Economy Act.' Before Carney met with First Nations leaders on July 17, he promised 'Indigenous equity and full participation' in Canada's new economy. When the meeting ended, the chiefs' were not convinced. The constitutionality of both laws faces a legal challenge by nine First Nations chiefs, who called Ontario's law a massive overreach that gives the government unlimited development powers across the province. As one said, Ontarians should be worried. The request for an injunction, the chiefs' lawyer said, will likely be heard within a year. The miners In the world of prospecting, ownership is known to change hands. Australia-based Wyloo acquired Noront in 2022 and with it, the Ring of Fire's 'Eagle's Nest' project. While Juno Corp. appears to have the most mining claims in the region, Wyloo says its development progress is the most advanced, in terms of passing government hurdles. Wyloo's footprint, its corporate documents say, will cover just one square kilometre. Instead of an open pit, Eagle's Nest will be vertical, plunging 1,600 metres into the ground, with below-surface space to store tailings, the leftover materials. The company's current projections say it will annually produce 15,000 tonnes of nickel, 6,000 tonnes of copper, 70,000 ounces of palladium, 22,000 ounces of platinum and 340 tonnes of cobalt. And as for the fragile peatlands across the region? Wyloo's mine, its document says, will mainly be built on 'uplands' and not the low-lying peatlands. But there is a different threat: road construction. The ecosystem The Ring of Fire is rich with watery peatlands, a fragile, living entity of decaying plant matter that traps carbon equal to many decades of greenhouse gas emissions. And yet the earth here also holds minerals needed to build the energy-saving solar panels and electric cars of the future. This is an environmental predicament. If new mining roads disturb the peatlands by as little as three per cent, Wildlands League's Anna Baggio says data shows that the equivalent of 62 million tonnes of carbon dioxide would be released. Climate change is already threatening peatlands, from nearby wildfires to melting permafrost. So it was not surprising to see 'peatland' cited 113 times in a 2025 draft environmental assessment for a proposal by Marten Falls First Nations to build and maintain an all-season access road. Marten Falls chief says the road would connect the remote community to health supports and economic opportunities. A separate proposal would link a series of new roads to the Ring of Fire mines. Last week, Marten Falls First Nation said it held a joint ceremony with Webequie First Nation, (which is has filed a proposal to build another road) and together, took down a ceremonial teepee erected last year. It symbolized, the Marten Falls news release said, the 'joint and mutually respectful process required between the First Nations and development proponents.' First Nation communities on the Treaty 9 land have expressed concern about environmental risk, noting the age-old relationship between peatlands, water systems and wildlife. But much like Marten Falls, many also say they want development — and a seat at the decision-makers' table. Ford's Bill 5, some say, killed the opportunity for government discussions, forcing protests or legal action. Eabametoong Chief Solomon Atlookan leads one of many First Nations communities in the region. In June, Atlookan wrote a letter to Ford and Carney, warning their new laws could leave governments tied up in court challenges or worse, create dangerous confrontations on the land. 'Cranking up the legislative bulldozer,' Atlookan wrote, 'will not yield positive outcomes.'
Yahoo
2 days ago
- Yahoo
Seniors rarely downsize — here's why that's hurting first-time homebuyers
Realtor Barry Lebow specializes in helping seniors downsize — moving out of the family homes they've lived in for decades to a smaller place that's a better fit for their aging lifestyle. From the outside, that might look like the natural progression: feeding a healthy bit of turnover into the housing supply as move-up buyers seek their own family home. But the reality is a bit different when it comes time to sell, Lebow, who works in the Greater Toronto Area, said in an interview. "Our customers are not always happy customers," he said. "Almost all seniors do not want to move." Experts say it's a myth that seniors who own their homes are keen to downsize to fund their retirements, when the reality is they're largely staying put, in part because they don't like the downsizing options, making it harder for young prospective buyers to break into the housing market. Seniors are in fact the demographic that's least likely to move, according to data from the 2016 census. "It's actually quite rare," said Mike Moffatt, founding director of the Missing Middle Initiative at the University of Ottawa. Lebow said that when seniors do move, it's often because they're facing mobility or money issues — or both. He acknowledged there's a type of older Canadian who's keen to cash out on the family home, move into a smaller condo or apartment and take on a new lifestyle. But these are the unicorns, he said. In his work, it's common to come across seniors with three- or four-bedroom houses and no children at home to fill them anymore. More space than they need, in all likelihood, but no motivation to let it go. "Moving is a traumatic experience," Lebow said, whether it's the financial cost or the emotional toll of changing addresses and purging years of accumulated belongings. Beyond the typical home showings and paperwork, his job has ranged from rehoming a pet dog who couldn't be accommodated in a new abode to acting as de facto mediator when the prospect of mom or dad downsizing becomes a tense family conflict. Some of his clients are also facing cognitive decline, Lebow said, and only see their real estate agent as the guy trying to throw them out of their home. "Believe me, I've been yelled at," Lebow said. A Canada Mortgage and Housing Corp. report from November 2023 also found that while there was a bit of a shift toward downsizing as Canadians age, that trend is still limited to a minority of older households. There's also minimal movement to condos or rental properties as Canadians age, the report found. Data from CMHC indicates the "sell rate"— the proportion of Canadians older than 75 who are cashing out of the housing market — fell steadily between 1991 and 2021. Canadians are living longer and might also be in better financial shape as they get older, the agency said, letting them age in place. "In order for them to leave, they would need something that met their needs as much. And often, that doesn't exist," Moffatt said. Among the biggest factors motivating — or hindering — a move are cost and lifestyle, he said. Many seniors still want to be able to garden and host family over the holidays, he said, which makes a one-or-two bedroom condo in the downtown core unappealing. Moffatt said many older Canadians are keen to stay in their existing neighbourhoods, but smaller options are not readily available. Modern infill units set up for street-level access in older, residential neighbourhoods are the kinds of options many seniors need to give moving a second thought. The kind of sixplex-unit zoning recently up for debate at Toronto city council would create the kinds of units that would be right for many would-be downsizers, Moffatt noted. Toronto ultimately decided last month to broaden sixplex zoning to only some wards, leaving the others to opt in if they choose. Moving houses is also expensive when it comes to hiring movers, staging costs and the myriad of taxes and fees for real estate agents and lawyers. Measures to reduce the tax burden seniors face when moving can help to encourage more turnover of family homes, Moffatt said. The Liberal government tabled legislation in May to waive the federal GST on new homes, but it only applies to first-time homebuyers. Moffatt said it would "absolutely" help improve supply in the housing market if that policy were extended to downsizing seniors. Such a move could sweeten the deal for seniors who are open to getting into a smaller condo unit but don't see the financial value in the move. That could spur a positive domino effect in the market: Moffatt explained that when move-up buyers are able to leave behind their starter homes to take on seniors' larger properties, that opens up more supply at the bottom of the housing ladder for first-time buyers. The Canadian Press reached out to Finance Minister François-Philippe Champagne to ask if the federal government would consider expanding the GST rebate to seniors. A Finance Canada spokesperson did not mention seniors in their response, only saying in an email that the GST rebate is meant to help first-time buyers enter the housing market by lowering upfront costs to buying a home and spurring the construction of new housing across Canada. "Incentivizing or reducing the barriers to building housing across the board benefits everyone," Moffatt said. "It is kind of an irony, but one of the best things we can do to help first-time homebuyers is to make it easier for seniors to move into new housing." This report by The Canadian Press was first published July 25, 2025. Craig Lord, The Canadian Press Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
3 days ago
- Yahoo
Seniors rarely downsize — here's why that's hurting first-time homebuyers
Realtor Barry Lebow specializes in helping seniors downsize — moving out of the family homes they've lived in for decades to a smaller place that's a better fit for their aging lifestyle. From the outside, that might look like the natural progression: feeding a healthy bit of turnover into the housing supply as move-up buyers seek their own family home. But the reality is a bit different when it comes time to sell, Lebow, who works in the Greater Toronto Area, said in an interview. "Our customers are not always happy customers," he said. "Almost all seniors do not want to move." Experts say it's a myth that seniors who own their homes are keen to downsize to fund their retirements, when the reality is they're largely staying put, in part because they don't like the downsizing options, making it harder for young prospective buyers to break into the housing market. Seniors are in fact the demographic that's least likely to move, according to data from the 2016 census. "It's actually quite rare," said Mike Moffatt, founding director of the Missing Middle Initiative at the University of Ottawa. Lebow said that when seniors do move, it's often because they're facing mobility or money issues — or both. He acknowledged there's a type of older Canadian who's keen to cash out on the family home, move into a smaller condo or apartment and take on a new lifestyle. But these are the unicorns, he said. In his work, it's common to come across seniors with three- or four-bedroom houses and no children at home to fill them anymore. More space than they need, in all likelihood, but no motivation to let it go. "Moving is a traumatic experience," Lebow said, whether it's the financial cost or the emotional toll of changing addresses and purging years of accumulated belongings. Beyond the typical home showings and paperwork, his job has ranged from rehoming a pet dog who couldn't be accommodated in a new abode to acting as de facto mediator when the prospect of mom or dad downsizing becomes a tense family conflict. Some of his clients are also facing cognitive decline, Lebow said, and only see their real estate agent as the guy trying to throw them out of their home. "Believe me, I've been yelled at," Lebow said. A Canada Mortgage and Housing Corp. report from November 2023 also found that while there was a bit of a shift toward downsizing as Canadians age, that trend is still limited to a minority of older households. There's also minimal movement to condos or rental properties as Canadians age, the report found. Data from CMHC indicates the "sell rate"— the proportion of Canadians older than 75 who are cashing out of the housing market — fell steadily between 1991 and 2021. Canadians are living longer and might also be in better financial shape as they get older, the agency said, letting them age in place. "In order for them to leave, they would need something that met their needs as much. And often, that doesn't exist," Moffatt said. Among the biggest factors motivating — or hindering — a move are cost and lifestyle, he said. Many seniors still want to be able to garden and host family over the holidays, he said, which makes a one-or-two bedroom condo in the downtown core unappealing. Moffatt said many older Canadians are keen to stay in their existing neighbourhoods, but smaller options are not readily available. Modern infill units set up for street-level access in older, residential neighbourhoods are the kinds of options many seniors need to give moving a second thought. The kind of sixplex-unit zoning recently up for debate at Toronto city council would create the kinds of units that would be right for many would-be downsizers, Moffatt noted. Toronto ultimately decided last month to broaden sixplex zoning to only some wards, leaving the others to opt in if they choose. Moving houses is also expensive when it comes to hiring movers, staging costs and the myriad of taxes and fees for real estate agents and lawyers. Measures to reduce the tax burden seniors face when moving can help to encourage more turnover of family homes, Moffatt said. The Liberal government tabled legislation in May to waive the federal GST on new homes, but it only applies to first-time homebuyers. Moffatt said it would "absolutely" help improve supply in the housing market if that policy were extended to downsizing seniors. Such a move could sweeten the deal for seniors who are open to getting into a smaller condo unit but don't see the financial value in the move. That could spur a positive domino effect in the market: Moffatt explained that when move-up buyers are able to leave behind their starter homes to take on seniors' larger properties, that opens up more supply at the bottom of the housing ladder for first-time buyers. The Canadian Press reached out to Finance Minister François-Philippe Champagne to ask if the federal government would consider expanding the GST rebate to seniors. A Finance Canada spokesperson did not mention seniors in their response, only saying in an email that the GST rebate is meant to help first-time buyers enter the housing market by lowering upfront costs to buying a home and spurring the construction of new housing across Canada. "Incentivizing or reducing the barriers to building housing across the board benefits everyone," Moffatt said. "It is kind of an irony, but one of the best things we can do to help first-time homebuyers is to make it easier for seniors to move into new housing." This report by The Canadian Press was first published July 25, 2025. Craig Lord, The Canadian Press Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data