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What the Bank of Canada’s Oslo Speeches Reveal About its Policy Framework
Bank of Canada speeches are usually informative, but some provide rare, critical insights into how policy is formulated. On March 2, Deputy Governor Sharon Kozicki delivered two interconnected addresses in Oslo ahead of the Bank’s upcoming five-year monetary policy framework renewal. Her speeches offer valuable guidance for investors, highlighting how the Bank intends to navigate…
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The Regulatory Challenges to Modular Construction
Build Canada Homes is working to accelerate the adoption of modular construction as a key solution to Canada’s housing challenges. It aims to increase housing supply quickly, improve construction quality through controlled factory production, and reduce costs and delays common with traditional on-site building. By promoting standardized designs, streamlined approvals, and collaboration across provinces and…
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How Mortgage Rates and Rents Influence Canada’s Consumer Price Index
In the Canadian Consumer Price Index (CPI), housing costs are captured under the shelter component, the single largest category in the basket, representing more than 29 per cent of the total weight as of the 2025 update. The shelter index is divided into two major subcomponents: rented accommodation and owned accommodation, each capturing distinct household…
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Private Mortgages: A Compelling Alternative Asset Class for Canadian Family Offices
The Canadian private mortgage market has evolved from a niche lending segment into a sophisticated alternative investment opportunity, offering institutional investors and family offices access to collateralized debt with attractive risk-adjusted returns. As regulatory tightening has reshaped the traditional lending landscape, private mortgages have emerged as both a necessary source of capital for creditworthy borrowers…
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One Size Doesn’t Fit All: How the Housing Accelerator Fund Is Creating Conflict in Alberta
Edmonton and Calgary have become standout performers in Canada’s housing story. Both cities have dramatically ramped up housing starts, embraced zoning reform, and earned top marks under the federal Housing Accelerator Fund (HAF). Yet success has come with an uncomfortable side effect: a growing backlash from existing homeowners and a political standoff that now threatens…
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Mixed Signals in January’s U.S. Jobs Report
Historic employment revisions and persistent inflation cloud the policy outlook The U.S. labour market delivered a paradoxical message in early 2026, with January’s employment report revealing both unexpected strength and underlying fragility. While 130,000 jobs were added—well above the 70,000 analysts had expected—massive downward revisions to 2025 data painted a sobering picture of persistent labour…
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Following the Australian Blueprint: Nova Scotia’s First-time Homebuyers Program
Nova Scotia has just made it easier for first-time buyers to step into the housing market. Launched on February 3, 2026, the province’s new First-Time Homebuyers Program allows for a significantly reduced minimum down payment—from five per cent down to just two—for a four-year pilot. Below, we explore the program, the factors that prompted its…
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