Out of reach : unlocking Canada's housing affordability crisis : report of the Standing Senate Committee on Banking, Commerce and the Economy / the Honourable Clément Gignac, chair ; the Honourable Toni... : YC11-0/451-2E-PDF

"The Standing Senate Committee on Banking, Commerce and the Economy began its study on housing in October 2023 at a time when Canada was experiencing a deepening housing affordability crisis marked by rapidly rising home prices, limited supply, and increasing demand. … The committee resumed its study on 1 October 2025, focusing on the challenges currently facing Canadian homebuyers—particularly, the effects of government taxes, fees, and levies. Over nine meetings, the committee heard that many housing markets in Canada face a troubling paradox: homes are priced beyond buyers' reach while construction and land costs have receded. Young Canadians, in particular, are coping with significant financial strain, with many feeling that home ownership is unattainable. The committee believes that the urgency of the situation calls for coordinated and coherent action among all stakeholders and levels of government. This report provides a summary of witness testimony, committee observations and makes 12 recommendations for key policy changes necessary for reducing housing prices and increasing supply, supporting a robust housing sector and improving access to housing for all Canadians"--Executive summary, page 7.

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