Build Canada Homes Act

Bill C-20, Build Canada Homes Act · Report stage · now law Where it stands

What the law does

The law establishes Build Canada Homes as a Crown corporation to develop affordable housing and promote efficient construction techniques. It sets out the corporation's powers and governance, and authorizes federal money to fund its operations. The federal cabinet can also transfer property and obligations from other Crown corporations to Build Canada Homes, and issue directives related to reorganizing Canada Lands Company Limited.

Official text (opens in a new tab)

12 statements

Michael Barrett, Leeds—Grenville—Thousand Islands—Rideau Lakes

Conservative
“Canadians want fast action on housing without creating more government bureaucracy. Why is the government spending more tax dollars on a new agency instead of using the ones we already have?”
Official Hansard

Madam Speaker, when it comes to the Liberal government’s response to the housing crisis in our country, I believe that Canadians are looking to see steps that the government can take to immediately address this acute housing challenge without creating additional bureaucracies. Within the current remit of existing agencies, what additional powers do they hope to glean, at great additional expense to the taxpayer, that will more quickly resolve the very acute housing challenge that Canadians are facing?

Connie Cody, Cambridge

Conservative
“I am asking the House to let me share my speaking time with another member.”
Official Hansard

Madam Speaker, I would like to ask for unanimous consent to split my time with the member for Pitt Meadows—Maple Ridge.

Connie Cody, Cambridge

Conservative
“I oppose this bill. It creates another slow government agency instead of actually building the homes Canadians need.”
  • A repeated line

    “Cut the GST on all new homes under $1.3 million.”

    Said 3 times by 3 members since June 5.

    Every time it was said
Official Hansard

Madam Speaker, I rise to speak on Bill C‑20 with deep concern for the families in my community who are watching this housing crisis unfold before their eyes. In Cambridge, I have witnessed what the government struggles to acknowledge. What we are navigating is no longer a housing crisis; it is a housing catastrophe. Rebranding existing projects does not build homes. Let me tell the House about an 84-year-old constituent of mine. She worked her entire life, paid her taxes faithfully and raised her family with dignity, yet a staggering cost of living, property taxes and maintenance costs consumed her pension and home ownership, pushing her to seek refuge in a Cambridge shelter overwhelmed by those without a roof. There are so many people that shelters have long wait-lists, and they can no longer accommodate seniors in need. Members can picture their own grandmother or grandfather struggling up shelter stairs that were never designed for their needs, squeezed into overcrowded dormitories with makeshift bunks, unable to find comfort or rest in spaces designed for temporary crisis, not for the housing needs of seniors who built this country. The dignity of a lifetime of contribution to our community was stripped away by a housing market that no longer recognizes their value or their need. In today’s Canada, people who did everything right are ending up with nowhere to live. This is not the Canada I know. This is not the Canada any of us promised to protect, yet we are witnessing families across this nation face impossible choices because the government has failed to deliver the most basic foundation of security: a home. When housing costs consume 60%, 70%, even 80% of a household’s income, families are forced to choose between rent and groceries, between keeping the lights on and keeping a roof overhead. In Cambridge, I have seen families with two working parents, both with steady jobs, unable to afford a modest two-bedroom rental. Teachers, nurses and trades workers are being priced out of the very neighbourhoods they serve. These are not choices any Canadian should face in a country as wealthy and resource-rich as ours. The mathematics of survival have become impossible for working families. A nurse earning $70,000 annually faces rent costs of $2,500 per month for a basic apartment before utilities, groceries and child care, let alone having any capacity to save for a down payment or dream of owning a home of their own. This represents more than half their gross income for housing alone. When the Canada Mortgage and Housing Corporation recommends spending no more than 30% of income on shelter, we see how this market has completely failed Canadian families. After 10 years of empty Liberal promises, national strategies and new bureaucracies, what do we have to show for it? We have another Crown corporation, another layer of administration, another committee that multiplies meetings while families feel the grip of inflating rent. Bill C-20 asks us to celebrate yet another bureaucracy, the fourth housing agency under the Liberal government, while seniors face impossible housing costs and families are priced out of entire communities. The Liberals created the Canada Mortgage and Housing Corporation’s national housing strategy with great fanfare. They established the federal lands initiative. They launched the rapid housing initiative. Each came with press conferences, ribbon-cuttings and promises that this time would be different. It is not. The Parliamentary Budget Officer has made it clear that this new Crown corporation will contribute just 5,000 homes per year, which is 1% of what the Liberals promised. The Liberal housing minister himself admitted there are no targets set for the number of homes to build. How can we take seriously a housing plan with no housing targets? What kind of strategy refuses to define its own objectives while families wait in desperation? These numbers represent a scathing indictment of Liberal priorities. Across a nation of nearly 40 million people, 5,000 homes annually means one new home for every 8,000 Canadians. In Cambridge alone, with a population of just over 160,000, this would translate to fewer than 18 new homes per year for this grand federal initiative. This is not merely policy failure. This is a matter of life, death and dignity for Canadians. Behind these statistics are real people facing real crises that demand our immediate attention. The housing market has become a barrier to the very foundation of Canadian life. Economic mobility, once the hallmark of our nation, is grinding to a halt as housing costs consume an ever larger share of family budgets. Let me address a particularly troubling consequence of this crisis. Women trapped in abusive relationships face an impossible choice when financial abuse underlies domestic violence. Those who want to leave dangerous situations must choose between staying with abusers who control their finances or face homelessness because safe, affordable housing simply does not exist. The cruel irony is that when women finally find the courage to leave dangerous relationships, they discover that housing costs make independence impossible. Meanwhile, children aging out of foster care find themselves with nowhere to turn. At 18, they are expected to navigate an adult world without the family support most young people rely on, yet they face housing costs that challenge families with dual incomes. These young people, who should be focusing on education, building careers and contributing to our communities, instead spend their energy simply trying to survive in a market that treats housing as a commodity rather than a necessity. Builders in my community consistently raise concerns about rising costs, lengthy approval processes and regulatory requirements that change throughout projects. Those challenges make it difficult to plan, invest and expand. Some builders also struggle to retain skilled workers. Construction depends on a stable workforce. Industry uncertainty makes it harder to provide the long-term opportunities that workers and families rely on. When housing opportunities arise, we lack the workforce to build at scale because skilled trades have moved to more stable sectors. The skilled trade shortage has reached crisis proportions. Electricians, plumbers and carpenters are aging out faster than young people are entering these fields. Why would a young person commit to an apprenticeship when project delays make steady employment impossible? Development charges have increased by 180% over the past decade in some Ontario municipalities, while approval timelines have stretched from months to years. These costs are passed directly to homebuyers. Across the country, many young adults are delaying major life decisions like marriage and starting families because of housing costs. They cannot afford to care for themselves, let alone children. We are witnessing the fundamental promise of Canadian life, that hard work leads to prosperity and security, crumble under the weight of housing costs that have far outpaced wage growth. Even Statistics Canada reports that birth rates have declined to historic lows, with housing costs cited as a primary factor in family planning decisions. At some point, we all have to ask whether the answer is another layer of federal administration or whether the focus should be on removing the barriers that prevent homes from being built in the first place. Canadians are not asking for more organizational charts. They are asking for more homes. That is why Conservatives believe the focus should be on removing barriers to construction rather than creating new bureaucracies. We would cut the GST on all new homes under $1.3 million, immediately saving families up to $65,000, making home ownership achievable for thousands more Canadians. We would tie federal infrastructure dollars directly to homebuilding results, requiring municipalities to permit at least 15% more housing each year or forfeit federal funding. We would seek to end the capital gains tax on reinvestments in new housing construction, unlocking billions of private investment that is currently sitting on the sidelines. These measures would reduce construction costs by tens of thousands of dollars. While the government creates new departments and new delays, we would create new opportunities and new homes. Our approach recognizes that housing is built by workers with tools, not by bureaucrats with organizational charts. Canadians have waited long enough for leadership that understands the urgency of this crisis and the necessity of bold action to solve it. These are practical measures focused on increasing supply and improving affordability. They recognize that every family needs a home. How can we ask Canadians to call Canada home when we cannot trust the government to provide the foundation they need to build their lives? Bill C-20 offers bureaucracy where Canadians need action, it offers committees where families need shelter and it offers promises where communities need results. For that reason, I cannot support Bill C-20, because rebranding existing projects does not build homes.

Connie Cody, Cambridge

Conservative
“The housing crisis has gotten much worse over the last 10 years under this government. Costs are up, shelters are full, and people have nowhere to go. The government is making announcements and creating more bureaucracy instead of actually building homes.”
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Official Hansard

Madam Speaker, Canadians are not living in the past. They are living through a housing crisis that has worsened dramatically over the past 10 years. Under the government, Canada has experienced rising costs, declining affordability and the most severe housing pressures we have seen in a generation. What once was a challenge has now become a full-blown housing catastrophe. The consequences are very real. Women are staying in dangerous situations because they have nowhere to go. Shelters are full. Providers in communities like mine are turning people away because there are simply no beds available. Those frontline organizations are not asking for more announcements or more studies or more excuses. They are asking for action. The reality is this. The government promised homes but delivered bureaucracy. Rebranding programs and making announcements does not build homes, and Canadians are paying the price.

Connie Cody, Cambridge

Conservative
“We need to build twice as many homes to make housing affordable in Canada. This new agency will not build enough homes to fix the problem, and more families need shelter now than before.”
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Official Hansard

Madam Speaker, to restore housing affordability in Canada, we will have to double housing construction across the country, adding more than 200,000 units each year for the next decade. Build Canada Homes will hardly scratch the surface, building only a few thousand units a year at best. Since the inception of Build Canada Homes last September, demand for shelter space has risen dramatically, and the perceived accomplishments from Build Canada Homes have not offset any of the high rates of families seeking—

Connie Cody, Cambridge

Conservative
“Housing has become much less affordable under this government. Shelters are full, and families and seniors cannot find places to live. We need to build more homes so people can live with dignity.”
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    Relevance 46 of 100

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  • A repeated line

    “After 11 years of the Liberal government.”

    Said 25 times by 19 members since April 30.

    Every time it was said
Official Hansard

Madam Speaker, I do not disagree with the member. Seniors should be able to live out the rest of their life with dignity. After 10 years of the Liberal government, housing has become less, not more, affordable. What once was a crisis is now a catastrophe. We see the consequences every day. Shelters are at capacity. There are long wait-lists. Shelters are no place for anyone, families, children or seniors, to live. They cannot accommodate the overwhelming number of people seeking shelter. If we are looking for dignity, we have to build the homes for people to build their family and their life.

Michael Barrett, Leeds—Grenville—Thousand Islands—Rideau Lakes

Conservative
“Housing has gotten worse over the last 11 years under this government. Creating another government agency will not fix the problem or build more homes.”
Official Hansard

Madam Speaker, I wonder if my colleague could share her thoughts on what it tells us that, for the last 11 years, we have had the same Liberal government but the housing situation has not improved. In fact it has worsened, and the evidence of that is clear in my community and the communities of all members of this place. Why is another housing bureaucracy not the answer to getting homes built and getting dignity for Canadians?

Connie Cody, Cambridge

Conservative
“Our housing system is under serious strain. When there are not enough homes, vulnerable people like seniors and women leaving dangerous situations suffer first.”
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Official Hansard

Madam Speaker, it is true that we need to have greater dignity expectations. The examples I raised of seniors and women who tried to leave dangerous situations are not isolated cases. They are clear indicators of a system that is under serious strain. When housing supply is this tight, the people who feel it first are often the most vulnerable, and—

Marc Dalton, Pitt Meadows—Maple Ridge

Conservative
“I do not support this bill. It will not build homes. It just creates another expensive government agency. Under the Liberals, our economy is shrinking and home building has crashed. We should cut taxes and red tape for builders instead of adding more bureaucracy.”
  • A repeated line

    “Cut the GST on all new homes under $1.3 million.”

    Said 3 times by 3 members since June 5.

    Every time it was said
Official Hansard

Madam Speaker, I was an MLA in British Columbia in the years coinciding with when the Conservatives were in power under former prime minister Stephen Harper. Those were the years when Canada, and more specifically B.C., was moving forward. Projects were getting built under a free enterprise provincial and federal government. In my riding, there is the Golden Ears Bridge, the Pitt River Bridge, the Port Mann Bridge and the expansion of the Trans-Canada Highway. The highway that used to go between Vancouver and Squamish was called the highway of death because of all the fatalities there. That was expanded. There is Kicking Horse Pass. The Olympics happened. There is the Canada Line, the convention centre and a new stadium, new hospitals and new schools. All throughout British Columbia there was tremendous progress, and I know that this was the same throughout the country. The New York Times, during that period, said that Canada had the richest middle class in the world. We had a dollar at par with the American dollar. I would talk to Americans and others visiting Canada and visiting Victoria, where I often was for my government work. They were amazed by the prosperity they saw in British Columbia and in Canada. Let us keep in mind that between 2007 and mid-2009, the world underwent the great global recession. It was the most severe economic and financial meltdown since the Great Depression in the late twenties and the thirties, impacting housing significantly. Canada weathered this storm very well, and we were number one in growth. Between 2006 and 2015, under Stephen Harper, there were two million housing starts in Canada, while the population growth was about 3.2 million. Using household sizes, those starts were enough to accommodate more people than the population during that period. Canada fared the best in the G7. We were a prosperous nation going from strength to strength. Fast-forward to 2026. After 11 long years under the Liberal government and under two Liberal prime ministers, we have gone from boom to gloom and from first to worst. There has been economic stagnation and decline under the Liberals. In three of the last four quarters, we have shrunk. We are in a recession. We are the only country in the G20 with an economy that is shrinking. The G20 includes nations such as Argentina, which was an economic basket case not so long ago; Australia; Brazil; China; France; Germany; India; Indonesia; Italy; Japan; Mexico, whose number one trading partner is the U.S., as it is for Canada; Russia; Saudi Arabia; South Africa; South Korea; Turkey; the United Kingdom and the United States. I know that the Liberals would like to blame the U.S. for all the problems Canada faces, but all these countries are impacted by U.S. tariffs, and some are in war zones. However, credit must be given where credit is deserved. The Liberals excel, get an A, for building bureaucracy, increasing red tape and doling out money to friends, family and themselves. Since I was elected to the House of Commons in 2019, it has been one scandal after another. We get numb after a while. The Conservatives had their scandals also. One lady, a cabinet minister, resigned for having a $16 glass of orange juice. The Prime Minister promised to double housing construction to half a million homes a year and to move at speeds we have not seen in generations. How has that turned out? More than one year in, the result is the exact opposite: fewer permits, fewer starts, and a housing crisis that keeps getting worse. For example, Toronto has experienced a major housing construction downturn, a crash. Starts are down more than 50% in the last three years. New condo sales in the GTA collapsed to 1,599 units in 2025, the lowest annual total in 35 years and 91% less than the 10-year average. However, this must be kept in context. Canada’s population has increased by 2.5 million people in the last three years alone, under the Liberals’ chaotic handling of immigration. Construction should be skyrocketing, not plummeting. The Canada Mortgage and Housing Corporation says that we need to build 480,000 homes a year for the next decade. We are expected to build only half of that this year and only 212,000 units by 2028. Meanwhile, 131,000 Canadians who used to work in construction are unemployed as of April, and half of home builders and contractors are reporting layoffs in the first quarter of this year. Maybe there is a strategy under this political madness. Maybe the intention is to make things so bad that when there is a change, and I think there was some positive news with the numbers today, the Liberals will blow the trumpets, bang on the drums and say how they have turned things around, how marvellous things have become. However, this is a fail. It is not a new day. It is not a new government. It is the same old, same old. Instead of a plan to build homes, the Liberals would deliver a fourth housing bureaucracy. Far from building at generational speeds, they have taken a year to introduce legislation that still builds no homes. Even when homes start getting built, the Parliamentary Budget Officer found, Build Canada Homes would add just 5,000 homes per year, 1% of what the Liberals promised. We can do the math on how much is being invested right there and what that equates to as far as cost per unit. It is more bureaucracy, more red tape and more cost. I recently held a round table with builders and developers. They are asking for less government in the homebuilding process, not more. Ever-increasing regulations are killing the market and driving up construction costs. Federal, provincial and municipal regulations and taxes are all adding costs, not just for the builder but also for the home purchaser. If we are to make housing affordable for Canadians, we need to cut the cost of building and to build more, faster. Bill C‑20 would not build, and it would not cut costs for builders. What would it do? It would build a fourth government bureaucracy. That is an F, for “fail”. I was a teacher. We can see the stats here very clearly. Canadians used to be able to buy their first home in their twenties or early thirties. Realtors in Vancouver tell me that it is now an anomaly for new homebuyers to purchase a place without getting significant financial help from their family. This is building a sharp divide in Canadian society between the haves and the have-nots. This is not good. It is becoming dependent upon generational wealth rather than on someone’s being able to make it on their own, even with a supposedly great salary. Conservatives have a plan: Cut the GST on all new homes under $1.3 million, saving families up to $65,000 and unleashing new building; tie federal infrastructure dollars to homebuilding, with municipalities having to permit at least 15% more homebuilding each year to get things done; cut development charges by 50%, because the number one cost of construction is all the regulations and permitting; and end the capital gains tax on reinvestments in new housing in Canada and unlock billions of dollars of investment in the country’s homebuilding sector. Canadians should be able to earn a strong paycheque in a thriving economy to buy an affordable home. It used to be this way, and it can be this way again.

Marc Dalton, Pitt Meadows—Maple Ridge

Conservative
“The Liberals brag about small changes, but their housing and immigration records are failures. The Conservatives built 2.5 million homes when the population was growing much slower.”
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Official Hansard

Madam Speaker, I want to apologize for the fact that I will probably be too nice in my remarks to the Liberal member. This is madness, and it actually proves the point that the Liberals might see a slight change and then blow the horn about how wonderful they are. It has been a disaster, and now they are saying that immigration is down, but it is down from historic highs. The Liberals tweak it down just a little and say how great they are doing. They have made a total mess of things. Under the Conservatives, we built two and a half million homes during a time of population increase that was less than the increase over the past few years. I hold onto that F for failure for the Liberals.

Marc Dalton, Pitt Meadows—Maple Ridge

Conservative
“Private companies should build more homes instead of the government. The government creates bureaucracy and gives jobs to insiders instead of getting things done.”
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Official Hansard

Madam Speaker, how we do it is we move building more into the private sector, as opposed to keeping it in government hands and government bureaucracies, where it gives jobs to friendly insiders and goes nowhere. That is the problem. The government has just been building bureaucracy. It has become a disaster for Canada.

Marc Dalton, Pitt Meadows—Maple Ridge

Conservative
“Private companies have an important role to play. The government needs to remove regulations that hold Canadians and businesses back.”
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Official Hansard

Madam Speaker, I did not hear my colleague’s question. If he is wondering if there is a role for private companies, the answer is yes. It is important. Canada needs to be unleashed. This is what is happening. Companies, individuals, Canadians are being held back, and they need to be unleashed from all these regulations.

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