Bringing stability home: what Canada can learn from U.S. housing policies 

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Bringing stability home: what Canada can learn from U.S. housing policies 
HousingLabour &AmpEmployment
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The Hill Times

Canada’s housing market has become a source of financial strain for millions of Canadians. Rising prices, limited housing supply, and unaffordable mortgages have left many wondering if homeownership dreams are slipping out of reach.

In Canada, buyers putting down less than 20 per cent must pay mortgage default insurance, which can add tens of thousands of dollars to the cost of homeownership. For many first-time buyers, a significant portion of their savings goes toward this insurance rather than the principal, delaying their ability to build equity. In the U.S.

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