What changed in one country, and who is affected?
Canada / ANALYSIS DESK
Canada, beyond the national average
What is established
Investigating housing supply, cities, industry and affordability through Canadian data and policy records.
Economics Public policy Primary documents
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21 LIVE COUNTRY DESKSINDUSTRY / ENERGY / CIVIC FINANCE
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No unsourced market claims
LOCAL DESKSOriginal issues, not mirrored translations
TRANSPARENCYOfficial records + stated uncertainty
CANADA ISSUE BRIEFINGS
Canada issue briefings
Every briefing states its source, data period and what the numbers do — and don't — prove.
FEATURED INVESTIGATION / EN-CA
$8,000 / $40,000
Annual starting FHSA participation room and lifetime contribution/transfer ceilingCanada’s FHSA in 2026: the $8,000 room, $40,000 lifetime limit and a tax trap to avoid
Seven documented Canadian buyer discussions reveal the hard questions: can 2026 room be $17,000, what if Schedule 15 was never filed, and can a January deposit still qualify after a December closing? We answer each using CRA rules and real calculations.
38 min readRead full investigation
Archive: Chicken4War · CC BY-SA 4.0Canada / Mortgages & Household Affordability
Canada’s mortgage stress test: why your bank qualifies a higher payment than you actually owe
The federally prescribed qualifying rate is generally the higher of 5.25% or your mortgage rate plus two percentage points. That gap can change approval room without changing the signed monthly instalment.
2026-10-15 · 26 min read
Archive: PatInver · CC BY-SA 4.0Canada / Housing & Public Economics
Canada needs up to 469,000 homes a year — why are some cities building the wrong mix?
Canada’s latest housing supply gap is not just an issue of total construction. The balance between purpose-built rentals, ownership homes and local markets explains why conditions can improve in one city but worsen elsewhere.
2026-10-15 · 25 min read
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See languages →THE COUNTRYWHY METHODHeadlines tell you what happened.
Headlines tell you what happened.
We ask why.
Budget tables, regulatory filings, national statistics and official transcripts.
Disclose what is measurable and which interpretations remain disputed.
Update the analysis when a budget passes, a rule changes or new figures arrive.