{"id":1257,"date":"2025-04-07T07:52:23","date_gmt":"2025-04-07T11:52:23","guid":{"rendered":"https:\/\/ganhosegastos.ca\/?p=1257"},"modified":"2025-04-26T15:45:44","modified_gmt":"2025-04-26T19:45:44","slug":"election-2025-housing-is-at-the-heart-of-canadas-political-debate","status":"publish","type":"post","link":"https:\/\/ganhosegastos.ca\/en\/election-2025-housing-is-at-the-heart-of-canadas-political-debate\/","title":{"rendered":"Election 2025: Housing Is at the Heart of Canada\u2019s Political Debate"},"content":{"rendered":"<p style=\"\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"color: var(--tcb-color-6)  !important; --tcb-applied-color: var$(--tcb-color-6)  !important;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<h2 style=\"\">The Liberal Plan \u2013 Mark Carney<\/h2>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Key points:<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<ul>\n<li style=\"\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<\/ul>\n<p style=\"\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<h2 style=\"\">The Conservative Plan \u2013 Pierre Poilievre<\/h2>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Key points:<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<ul>\n<li style=\"\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">Bonuses for cities that exceed building targets.<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<li style=\"\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<\/ul>\n<p style=\"\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<h2 style=\"\">What\u2019s Really at Stake?<\/h2>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<table>\n<thead>\n<tr>\n<th>Topic<\/th>\n<th>Liberals (Carney)<\/th>\n<th>Conservatives (Poilievre)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Role of Government<\/td>\n<td>Very active \u2013 direct investment<\/td>\n<td>Minimal \u2013 reduce red tape<\/td>\n<\/tr>\n<tr>\n<td>Buyer Incentives<\/td>\n<td>First-time buyers only (&lt; $1M homes)<\/td>\n<td>All buyers (&lt; $1.3M homes)<\/td>\n<\/tr>\n<tr>\n<td>Non-profit \/ Social Housing<\/td>\n<td>Major priority<\/td>\n<td>No clear proposals<\/td>\n<\/tr>\n<tr>\n<td>Investor Incentives<\/td>\n<td>Tax breaks + modular housing support<\/td>\n<td>Capital gains deferral for reinvestment<\/td>\n<\/tr>\n<tr>\n<td>Municipal Pressure<\/td>\n<td>Cooperation &amp; support<\/td>\n<td>Penalties and rewards<\/td>\n<\/tr>\n<tr>\n<td>Use of Federal Land<\/td>\n<td>Managed by new public agency<\/td>\n<td>Unlock 15% immediately<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 style=\"\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/h2>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<h2 style=\"\">What Do You Think?<\/h2>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p>\n<p style=\"display: none;\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p>\n<p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p>\n<p style=\"display: none;\">The Liberal Plan \u2013 Mark Carney<\/p>\n<p style=\"display: none;\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a &#8220;Modern Housing Marshall Plan&#8221; \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li>\n<li style=\"display: none;\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li>\n<li style=\"display: none;\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li>\n<li style=\"display: none;\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li>\n<li style=\"display: none;\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li>\n<li style=\"display: none;\">Support for skilled trades training and innovation in low-carbon building materials.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p>\n<p style=\"display: none;\">The Conservative Plan \u2013 Pierre Poilievre<\/p>\n<p style=\"display: none;\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p>\n<p style=\"display: none;\">Key points:<\/p>\n<li style=\"display: none;\">Cities that fail to increase housing construction will lose access to federal funding.<\/li>\n<li style=\"display: none;\">Bonuses for cities that exceed building targets.<\/li>\n<li style=\"display: none;\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li>\n<li style=\"display: none;\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li>\n<li style=\"display: none;\">Unlock 15% of federal land for housing within 18 months.<\/li>\n<li style=\"display: none;\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li>\n<p style=\"display: none;\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p>\n<p style=\"display: none;\">What\u2019s Really at Stake?<\/p>\n<p style=\"display: none;\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p>\n<p style=\"display: none;\">Where they differ is how they plan to make it happen:<\/p>\n<p style=\"display: none;\">So&#8230; Who\u2019s Actually Going to Get Homes Built?<\/p>\n<p style=\"display: none;\">That\u2019s the big question.<\/p>\n<p style=\"display: none;\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p>\n<p style=\"display: none;\">Do you want more government investment, more public housing, and stronger coordination across the country?Carney\u2019s plan may speak to you.<\/p>\n<p style=\"display: none;\">Do you believe the private sector can build faster if government just gets out of the way?Poilievre\u2019s approach might be more convincing.<\/p>\n<p style=\"display: none;\">What Do You Think?<\/p>\n<p style=\"display: none;\">Leave a comment and share your thoughts.Which of these plans feels like it could actually work?<\/p>\n<p style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" style=\"outline: none;\">aqui.<\/a><\/p>\n<p style=\"display: none;\">\n<p style=\"\">\n","protected":false},"excerpt":{"rendered":"<p>If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing. If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing. With prices at historic highs, a serious [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","tve_updated_post":"<div class=\"thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad\">\n\t<div class=\"tve-content-box-background\"><\/div>\n\t<div class=\"tve-cb\"><div class=\"thrv_wrapper thrv_text_element\"><p style=\"\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"color: var(--tcb-color-6)  !important; --tcb-applied-color: var$(--tcb-color-6)  !important;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><h2 class=\"\" style=\"\">The Liberal Plan \u2013 Mark Carney<\/h2><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e7335\">Key points:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><ul class=\"\"><li style=\"\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><\/ul><p style=\"\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><h2 class=\"\" style=\"\" data-css=\"tve-u-1961020a8a1\">The Conservative Plan \u2013 Pierre Poilievre<\/h2><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e7342\">Key points:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><ul class=\"\"><li style=\"\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><li style=\"\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><\/ul><p style=\"\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><h2 class=\"\" style=\"\">What\u2019s Really at Stake?<\/h2><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><table class=\"\"><thead><tr><th>Topic<br><\/th><th>Liberals (Carney)<br><\/th><th>Conservatives (Poilievre)<br><\/th><\/tr><\/thead><tbody><tr><td>Role of Government<br><\/td><td>Very active \u2013 direct investment<br><\/td><td>Minimal \u2013 reduce red tape<br><\/td><\/tr><tr><td>Buyer Incentives<br><\/td><td>First-time buyers only (&lt; $1M homes)<br><\/td><td>All buyers (&lt; $1.3M homes)<br><\/td><\/tr><tr><td>Non-profit \/ Social Housing<br><\/td><td>Major priority<br><\/td><td>No clear proposals<br><\/td><\/tr><tr><td>Investor Incentives<br><\/td><td>Tax breaks + modular housing support<br><\/td><td>Capital gains deferral for reinvestment<br><\/td><\/tr><tr><td>Municipal Pressure<br><\/td><td>Cooperation &amp; support<br><\/td><td>Penalties and rewards<br><\/td><\/tr><tr><td>Use of Federal Land<br><\/td><td>Managed by new public agency<br><\/td><td>Unlock 15% immediately<br><\/td><\/tr><\/tbody><\/table><h2 class=\"\" style=\"\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/h2><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><h2 class=\"\" style=\"\">What Do You Think?<\/h2><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p data-css=\"tve-u-1961014cb08\" style=\"\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7327\">If there\u2019s one issue dominating political conversations in Canada right now \u2014 whether in the media or around our dinner tables \u2014 it\u2019s housing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e732e\">With prices at historic highs, a serious lack of supply, and population growth continuing at a fast pace, it\u2019s no surprise that Canadians are feeling the pressure.<\/p><p style=\"color: var(--tcb-skin-color-23)  !important; --tcb-applied-color: var$(--tcb-skin-color-23)  !important; display: none;\" data-css=\"tve-u-196101e7330\">As we head toward the 2025 federal election, the two main candidates \u2014 Mark Carney (Liberals) and Pierre Poilievre (Conservatives) \u2014 are offering very different solutions to deal with the crisis. In this post, we\u2019ll break down their main proposals, how they could affect your life, and leave you with one key question: Who\u2019s actually going to get homes built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7332\">The Liberal Plan \u2013 Mark Carney<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7333\">Mark Carney, former Governor of the Bank of Canada, is putting forward an ambitious proposal that he calls a \"Modern Housing Marshall Plan\" \u2014 referring to the kind of major government-led investment used after World War II. His plan relies heavily on public leadership and spending.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7335\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7336\">A new federal agency (Build Canada Homes) to directly build housing, especially on public lands.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7337\">$25 billion in support for factory-built, modular housing (faster and cheaper to produce).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7339\">Remove the GST (sales tax) on new homes under $1 million \u2014 but only for first-time buyers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733a\">Bring back tax breaks for investors who build purpose-built rental housing (reviving the 1970s MURB program).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733b\">Major investment in non-profit, co-op, and Indigenous-led housing.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e733c\">Support for skilled trades training and innovation in low-carbon building materials.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e733d\">The thinking behind the plan: The federal government becomes an active player \u2014 coordinating with provinces and cities, investing directly, and working with the private sector to ramp up construction. The goal is to make the market fairer without leaving it entirely to private interests.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e733e\">The Conservative Plan \u2013 Pierre Poilievre<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7341\">Pierre Poilievre sees the housing crisis as a problem caused by too much bureaucracy and not enough accountability at the local level. His plan is built around removing obstacles and pressuring cities to build faster \u2014 with less government involvement overall.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7342\">Key points:<\/p><li style=\"display: none;\" data-css=\"tve-u-196101e7343\">Cities that fail to increase housing construction will lose access to federal funding.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7345\">Bonuses for cities that exceed building targets.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7346\">Eliminate the GST on new homes up to $1.3 million \u2014 for all buyers, not just first-time purchasers.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7347\">A new tax rule that allows older Canadians to reinvest real estate profits into building more housing without paying capital gains tax (modeled on the U.S. 1031 exchange).<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7348\">Unlock 15% of federal land for housing within 18 months.<\/li><li style=\"display: none;\" data-css=\"tve-u-196101e7349\">Tie federal transit funding to housing density approvals \u2014 more homes = more funding.<\/li><p style=\"display: none;\" data-css=\"tve-u-196101e734a\">The thinking behind the plan: Cut the red tape, hold municipalities accountable, and let the private sector lead the way in solving the housing shortage.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734c\">What\u2019s Really at Stake?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734d\">Despite the very different approaches, both parties agree on one thing: Canada needs to build a lot more housing \u2014 fast.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734e\">Where they differ is how they plan to make it happen:<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e734f\"><br>So... Who\u2019s Actually Going to Get Homes Built?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7351\">That\u2019s the big question.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7352\">If you\u2019ve got kids trying to buy a home, if you work in the trades, or if you simply want to see real solutions \u2014 these plans affect you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7353\">Do you want more government investment, more public housing, and stronger coordination across the country?<br>Carney\u2019s plan may speak to you.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7354\">Do you believe the private sector can build faster if government just gets out of the way?<br>Poilievre\u2019s approach might be more convincing.<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7356\">What Do You Think?<\/p><p style=\"display: none;\" data-css=\"tve-u-196101e7357\">Leave a comment and share your thoughts.<br>Which of these plans feels like it could actually work?<\/p><p data-css=\"tve-u-1961014cb08\" style=\"display: none;\">Ganhos e Gastos \u2014 where we talk about money, housing, and the choices that affect our Luso-Canadian community.<br><br>Esta publica\u00e7\u00e3o tamb\u00e9m est\u00e1 dispon\u00edvel em portugu\u00eas <a href=\"https:\/\/ganhosegastos.ca\/pt-pt\/politica\/eleicoes-2025-a-habitacao-esta-no-centro-do-debate-politico-no-canada\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" data-css=\"tve-u-19610147854\">aqui.<\/a><\/p><p style=\"display: none;\" data-css=\"tve-u-196101e735a\"><br><\/p><p style=\"\" data-css=\"tve-u-196101e735a\"><br><\/p><\/div><\/div>\n<\/div>","tve_custom_css":"@media (min-width: 300px){.tcb-post-list[data-css=\"tve-u-178d53db037\"] .post-wrapper.thrv_wrapper { width: calc(100% - 0px); 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Two plans, one crisis.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ganhosegastos.ca\/en\/election-2025-housing-is-at-the-heart-of-canadas-political-debate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Election 2025: Housing Is at the Heart of Canada\u2019s Political Debate\" \/>\n<meta property=\"og:description\" content=\"2025 Federal Election: Carney and Poilievre face off over affordable housing in Canada. 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