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Join us as we decode the intricacies of real estate, provide clarity in financial expertise, and offer a platform for policy makers and the public alike. Whether you're looking to make an informed housing decision, stay ahead in the real estate or mortgage profession, or simply indulge in the dynamics of the housing market, CMHC's In-House is your source for conversations that matter. Tune in, stay informed, and be current on the latest in housing market and mortgage trends. This podcast is brought to you by Canada Mortgage and Housing Corporation, a Federal Crown corporation whose mandate is to ensure the health and stability of Canada’s housing finance system.
Why Is Housing Still Hard to Find in Canada's North?
Housing demand slowed in Northern Canada in 2025. Affordability pressures eased. So why do housing shortages remain so severe? In this episode, we explore the findings from CMHC's latest Northern Housing Report with Deputy Chief Economist, Aled ab Iorwerth. Join us to unpack what's happening in Whitehorse, Yellowknife and Iqaluit. From construction costs and labour shortages to overcrowding and limited housing supply, we examine the challenges shaping housing across Canada's North. In this episode: ✅ What changed over the last year ✅ Why housing shortages persist despite easing affordability pressures ✅ The biggest barriers to building more homes in the North ✅ What economists are watching next ✅ Long-term housing challenges and opportunities 🔗 Read the Northern Housing Report: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/market-reports/housing-market/northern-housing-report 🔔 Subscribe to In-House for more conversations that help Canadians better understand housing and housing markets across the country. #CanadaHousing #RentalMarketCanada #HousingAffordability #RealEstateCanada #Economics #HousingMarket #InHousePodcast
Prices are dropping. So why are buyers still waiting?
In this episode of In-House, we unpack CMHC’s latest update on the Housing Market Outlook — covering what’s ahead for the economy, home prices, rental markets, and housing supply. Our Deputy Chief Economist walks through: • Why economic growth is expected to grow slowly in 2026 • How housing demand has remained lower than expected despite rising affordability. • Where rental markets are diverging • What all this means for Canadians Whether you’re a policymaker, planner, developer, housing professional or just trying to understand what’s happening in the market, this conversation breaks down the data in clear, practical terms. 🔗 Explore the full Housing Market Outlook: http://cmhcschl.ca/MeeJ50ZqVCJ 🔔 Subscribe for more housing data, research and insights from CMHC.
Asking rents are falling in many Canadian cities, vacancies are rising in newer rental units, but the benefits aren’t being felt by everyone. On the surface, it looks like Canada’s rental market is finally easing. So why do so many renters still feel stuck? In this episode of In-House , host Joelle Hamilton speaks with Tania Bourassa-Ochoa, Deputy Chief Economist at CMHC, to break down the 2026 Mid-Year Rental Market Update and what the data is really saying about housing affordability in Canada. 📊 In this episode, we cover: • Why asking rents and actual rents paid are diverging • Why new leases and renewals tell different stories • Where rental conditions are easing (and where they are still tight) • Why affordability pressures remain • What to watch in Canada’s rental market through the second half of 2026 Whether you're a renter, policymaker, or just trying to understand Canada’s housing market, this conversation connects the dots behind the headlines. 📄 Read the CMHC 2026 Mid-Year Rental Market Update: https://www.cmhc-schl.gc.ca/observer/2026/2026-mid-year-rental-market-update 🔔 Subscribe to In-House for clear, data-driven conversations on housing in Canada.
Mortgage clients explained: What did they say about homebuying and mortgages?
We talked to over 4,100 recent mortgage consumers across Canada. We surveyed homebuyers, renewers, and refinancers, to find out how they feel about buying a home, securing a mortgage, and who they turned to for help. CMHC expert Sabrina Guay breaks down what they said.
Canada's mortgage market hit a turning point in 2025, and in this episode of In-House, we dig into what the data is really telling us. Host Joelle Hamilton sits down with Aled ab Iorwerth, CMHC Deputy Chief Economist, to break down the Spring 2026 Residential Mortgage Industry Report (RMIR). They cover what drove the biggest renewal wave in recent memory, why borrowers are shifting back to variable rates, and what signals — good and concerning — are shaping the outlook for the rest of 2026. What you'll hear in this episode: • The renewal wave peaked in 2025 as pandemic era buyers mortgages expired. Why 2026 should be calmer — and where payment pressure still lingers. • Why 42% of new mortgages are now variable-rate — and what it means if rates change. • While still historically low nationally, delinquencies in Ontario and Toronto have increased year-over-year (35% and 45%), a trend worth watching. • The stress hiding beneath the headline numbers — how unemployment and non-mortgage delinquencies signal what's coming before it hits mortgage arrears. • What structural signals offer cautious optimism: amortizations normalizing, HELOC performance holding steady, and TDS ratios improving. If you work in lending, real estate, housing policy, or you're a homeowner navigating today's rate environment, this episode is for you. Resources mentioned: → Spring 2026 RMIR full report: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-research/research-reports/housing-finance/residential-mortgage-industry-report → CMHC Residential Mortgage Industry Data Dashboard: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-data/residential-mortgage-industry-data-dashboard Subscribe to In-House for more housing market insights from CMHC.
Building Modular Homes for Canada's North | In-House
In-House is more than market trends and data. It's about people and programs. From coast to coast to coast, we share stories of Canadians who are directly impacted by our funding. Today, we introduce you to northern housing developers Amanda Doiron and Stuart Rostant. Partners in life and work, the couple met in Canada and started their careers in Trinidad and Tobago before taking a leap and moving to Canada's North. Fifteen years in, they've turned adventure into opportunity into solutions. Thanks to the support from the Government of Canada's Housing Supply Challenge, Stuart and Amanda are forging a new path to housing construction in Canada's North.
Housing Supply in 2025: Relief Today, Risk Tomorrow?
Where is Canada’s housing system gaining momentum – and where are pressures quietly building beneath the surface? Join our Deputy Chief Economist Tania Bourassa-Ochoa as she delves into the key findings from our recent Housing Supply Report. Tune in to gain valuable insights and stay updated on the latest housing trends!
Canada’s Housing Outlook 2026: What Happens Next for Prices, Rentals & Construction?
n this episode of In-House, we unpack CMHC’s 2026 Housing Market Outlook — covering what’s ahead for the economy, home prices, rental markets and housing supply. Our expert walks through: • Why economic growth is expected to be weak in 2026 • What slowing population growth means for housing demand • Why construction is forecast to decline across much of the country • How rental markets are easing — and what that means for renters • Where regional markets are diverging (Ontario, B.C., Quebec, Prairies) • What all this means for Canadians deciding whether to rent, buy or wait Whether you’re a policymaker, planner, developer, housing professional or just trying to understand what’s happening in your local market, this conversation breaks down the data in clear, practical terms. 🔗 Explore the full Housing Market Outlook: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/market-reports/housing-market/housing-market-outlook 🔔 Subscribe for more housing data, research and insights from CMHC. #Housing #HousingMarket #RealEstate #Renting #HomePrices
Canada’s 2025 Housing Year-In-Review: Supply, Rentals & What’s Next
Canada’s housing system went through major changes in 2025 and this Year-In-Review episode breaks down the key themes shaping the year and the outlook for 2026. Chief Economist Mathieu Laberge joins host Joelle Hamilton to explore: • Persistent structural barriers slowing new housing • Canada’s growing supply gap and why doubling starts is essential • Why construction still takes so long, despite new policy momentum • A turning point in rental markets — including Vancouver’s 30-year vacancy high • Big shifts in borrowing, lending, and mortgage trends • Regional differences in housing starts and affordability • What to watch for in 2026 as reforms take hold 🎧 Listen for a clear, accessible breakdown of Canada’s housing story — and the signals that matter most for the year ahead.
Canada’s rental market is changing — fast. Vacancy is rising, supply is growing, turnover rents are falling, and renters are finally seeing more choice. In this episode of In-House, Tania Bourassa-Ochoa, one of CMHC’s Deputy Chief Economists, breaks down the key insights from the 2025 Rental Market Report and explain what it means for affordability, demand, supply, and regional trends across the country. We cover: National vacancy trends Record-high rental completions Slower rental demand Turnover vs non-turnover rents Regional stories from Toronto, Calgary, Edmonton, Halifax, Montréal, and more What to expect in 2026 Listen now for expert insights on Canada’s evolving rental landscape!
What do Canada’s 2025 Mortgage Trends Mean for Borrowers and Lenders?
Canada’s mortgage market is shifting and the Fall 2025 Residential Mortgage Industry Report reveals what’s changing for borrowers, lenders, and the housing outlook. In this episode of In-House, host Joelle Hamilton speaks with CMHC Deputy Chief Economist Aled ab Iorwerth about: ✔ Why fixed-rate mortgages are popular again ✔ Big 6 lenders gaining market share ✔ Rising delinquency rates in Ontario and B.C. ✔ What 750,000+ mortgage renewals mean for payments and affordability Read the full RMIR: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-research/research-reports/housing-finance/residential-mortgage-industry-report Explore the interactive Residential Mortgage Industry Data Dashboard: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-data/residential-mortgage-industry-data-dashboard
How do we create a housing system that nurtures growth long term?
We need to break down barriers for municipalities—so they can accelerate building and have a lasting impact on housing supply. We sat down with CMHC’s Deputy Chief Economist Aled ab Iorwerth & Director, Government Relations and Head of the Housing Accelerator Fund Chris Woodcock to dive into what’s holding back new housing and the bold actions needed to accelerate growth. 🏡 Listen in for expert insights on the future of Canada’s housing market. Track Housing Accelerator Fund progress here: https://ow.ly/ZBOB50X6rkn
Ep. 3 — Humans of Housing: Affordable Housing and a Supportive Community for Northern Seniors
On this episode, we meet Dale, a senior who found herself homeless and alone during a northern winter. She stayed a few nights with friends, but desperately needed a long-term solution. That's when she found AVEN Pavilion.
Join our Deputy Chief Economist Tania Bourassa-Ochoa as she delves into the key findings from our recent Housing Supply Report. In this episode, we discuss contrasting trends across key cities, with growth in ground-oriented construction and a slowdown in condos. Learn how these shifts could impact supply, affordability, and the construction workforce. Tune in to gain valuable insights and stay updated on the latest housing trends!
What’s next for housing sustainability? | In-House Podcast
How can the housing sector tackle climate change and prioritize sustainability? Join us in our latest episode of In-House, where we’re joined by Daniel Dicaire, Senior Manager of Sustainability and Conservation at Ottawa Community Housing Corporation. Listen and subscribe for more insights from Canada’s housing experts.
More Rentals, More Protection: Can Canada Strike the Right Balance? | In-House Podcast
Canada needs more rental housing—but how do we build it without putting tenants at risk? In this episode of In-House, CMHC’s Deputy Chief Economist Aled ab Iorwerth explains what CMHC’s research tells us about rent control, financialization, and how to scale up rental supply while safeguarding tenant rights. Listen and subscribe for more insights from Canada’s housing experts. 📌 Full article: https://ow.ly/15Is50WE2HB
Why Developers Are Holding Back on Rental Housing
In this episode of In-House , CMHC Deputy Chief Economist Aled ab Iorwerth joins host Joelle Hamilton to unpack the key findings from CMHC’s 2025 Canadian Rental Construction Survey. We explore what’s driving short-term developer pessimism—and what could help unlock more purpose-built rental housing across the country. 🔍 What you'll learn in this episode: Why 42% of developers are pessimistic about the short-term outlook The impact of financing challenges, development fees and tariffs How developers are shifting toward “build-to-hold” strategies, instead of “build-to-sell" Why modular and prefabricated homes are still underused in Canada What these insights mean for Canada’s broader housing supply goals
Ep. 2 — Humans of Housing: Military-Inspired Village is Changing Veterans' Lives
After serving in Afghanistan, Jeremy found himself homeless. With support from Homes For Heroes, he got a second chance—and now helps fellow veterans do the same. Hear his story!
What’s Needed to Close the Housing Supply Gap?
Canada’s housing supply isn’t keeping up with demand. We sat down with CMHC’s Deputy Chief Economist Aled ab Iorwerth & Chief Economist Mathieu Laberge to break down the challenges, what’s holding back new housing, and the bold actions needed to restore affordability. 🔹 Why do we have a housing supply gap? 🔹 How much housing do we actually need? 🔹 What solutions can help close the gap? 🔹 Where more housing is needed in Canada 🏡 Listen in for expert insights on the future of Canada’s housing market!
Ep. 1 — Humans of Housing: Saving Homes from the Landfill
Urban growth is changing the face of our cities. As high-rises replace single-family homes, thousands of houses are routinely torn down and sent to the landfill. But does redevelopment have to mean demolition? In this episode, we explore an alternative approach with Renewal Development — a removal service provider that gives these homes a second life. Learn how their work not only reduces waste but also helps address the housing shortage by relocating and repurposing homes that would otherwise be lost. Humans of Housing is a special audio series that tells the stories of those working to make a difference — and of the people whose lives are changed because of them.
