Housing & the Wealth Divide
Why a nominal price correction is structurally unvotable: the pass-through, the retirement trap, and the generation locked out.
Housing
Homes You'll Never Own
Canada is building housing you can occupy but never own. Government land, leasehold structures, permanent tenancy.
Governance & Fiscal · Capstone
The Generational Investment
The $280 billion "generational investment" claim versus the PBO's reclassification. Investment or consumption?
Housing
The Pass-Through Problem
The deal shifts $8.8 billion in infrastructure costs from builders to the general tax base — and the published record contains no study measuring whether buyers benefit.
Housing · Follow-Up
The HBP Retirement Trap
The government expanded RRSP withdrawal limits during the correction. 47% repayment non-compliance. Four instruments. All sourced.
Housing
The Housing Trap
Mid-credit homeowners entering serious delinquency faster than subprime borrowers. Three articles on the structural squeeze.
Part 3
The Correction
10 rate hikes in 17 months, the most aggressive tightening in BoC history. Mortgage renewal shock ongoing.
Part 1
The Signal
BoC held rates at 0.25% for 18 months after warnings from the Dallas Fed, IMF, CMHC, and its own reviews.
Part 2
The Bill
National average peaked at $816,720. Residential investment hit 10.3% of GDP — highest ever in an advanced economy.
British Columbia
Mandates Without Money
BC suspended its affordable housing fund. Projects stranded mid-construction. The budget line disappeared.
Part 3
The Middle Falls Last
Canada’s mid-credit homeowners are entering serious delinquency faster than subprime borrowers.
Housing · Follow-Up
The Co-Sign Trap
Parents co-signed mortgages at peak prices. Rates rose. Now many can't get off the debt. 23 primary sources.
Housing
The Housing Receipt
Canada added 1.2 million people in one year. Housing completions flatlined. Three parts tracing the evidence chain.
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