CMHC Urges Banks to Embrace Risk in Housing Funding: What It Means

Construction worker inspecting framework, highlighting CMHC housing risk.

CMHC Encourages Banks to Take Efforts to Fund Housing

In a bold statement at the recent Canadian Apartment Investment Conference, Coleen Volk, president and CEO of Canada Mortgage and Housing Corp. (CMHC), expressed her eagerness for banks to embrace more substantial risks in financing residential construction. This perspective comes amid a notable drop in housing starts during the first half of 2025, compared to levels seen in 2024.

Why Increased Risk Could Be Beneficial

Volk’s call for banks to enhance their risk appetite aligns with growing concerns about Canada's housing supply. With home prices skyrocketing and demand outpacing supply, increased financial backing from banks could lead to a more robust housing market. By financing riskier projects, financial institutions could help stimulate the construction needed to address the ongoing housing crisis.

Lessons from Global Perspectives on Housing

Looking beyond Canada, global financial trends reveal that nations with banks willing to support more ambitious housing initiatives have benefitted from greater residential stability. For instance, the U.K. has seen mixed results from recent changes in housing finance, where introducing more flexible lending conditions has led to a surge in homebuilding activity, particularly for affordable housing.

Future Implications for Housing in Canada

If banks heed CMHC’s advice, Canada could witness a renewed focus on residential development, thereby aiding in the alleviation of current housing shortages. Financial institutions that navigate increased risks may also uncover more profitable opportunities. As Canada continues to face challenges in its housing landscape, this shift could signal a pivotal moment for both banks and homebuyers alike.

Real Estate Market Trends

0 Comments

Write A Comment

Related Posts All Posts

09.13.2025

Why Zac Efron’s Ricky Stanicky House Sold for Over $6 Million

Update Hollywood Meets Surrey Hills: A Dream Home InvestmentThe iconic home featured in the upcoming Hollywood comedy Ricky Stanicky starring Zac Efron has recently changed hands for over $6 million. Located at 14 Norfolk Rd, Surrey Hills, this exquisite five-bedroom property is making waves not just for its cinematic association, but also for its lavish amenities and strong market performance.Behind the Scenes of a Record-Breaking SaleThe sale, reported by local real estate expert Scott Patterson, likely set a record for weatherboard homes in the area. Initially listed between $5.5 million and $5.9 million, its final selling price showcases the growing demand in the suburb, particularly for unique properties with a story to tell. The new owners, a local family, were drawn not just by the house itself, but by the excitement of its ties to the film industry. Children often dream about meeting their movie heroes, and owning the house where they filmed brings a dash of that dream to reality.The Allure of Cinematic Real EstateHomes used in film and television have a unique allure—often fetching a premium due to their cultural connections and desirability among fans. These properties can serve as both personal residences and potential investment opportunities that appreciate over time. The film's backdrop not only enhances its aesthetic appeal but also invites conversations and interest, making it a distinctive offering on the market.More Than Just a HouseThis impressive property features nearly 650 square meters of living space and boasts a range of luxurious amenities, including a backyard pool, gym, and even a basketball court. All these elements come together to create a relaxing environment perfect for entertaining guests or unwinding after a long day. The cinematographic history enhances the property's emotional value, giving it a significant and memorable charm.The Takeaway: Investing in Unique ResidencesFor those searching for commercial properties or unique residencies, considering homes with rich stories like 14 Norfolk Rd can lead to exceptional investment opportunities. The intersection of lifestyle and cinematic allure attracts not only buyers interested in opulent homes but also those drawn to the cultural narratives that backyard together in these spaces.This recent sale serves as a vivid example of how the narrative of a property can drive interest and value, especially when associated with buzzing Hollywood projects. In an ever-evolving property market, homes with unique stories can offer excellent returns on investment for those willing to venture into atypical property types.

09.13.2025

Discover Hot and Affordable Housing Markets Under $300K Today

Update Exploring Affordable Housing Markets: Where the Dream is Still AliveThe landscape of the housing market is shifting, but for those willing to embrace the unexpected, opportunities await. Realtor.com’s recent report highlights seven cities where potential homebuyers can find properties listed under $300,000, predominantly in the Upper Midwest. This region is positioning itself as a beacon of affordability amidst rising costs elsewhere.Key Affordable Markets to WatchThe spotlight shines particularly on Ohio and Illinois, where cities like Canton ($270,000), Akron ($250,000), and Toledo ($245,000) represent affordable living options. These communities not only provide economic benefits but also the lifestyle conveniences typically associated with more expensive urban areas. In addition to Midwestern locales, Rochester, New York ($280,000), and Erie, Pennsylvania ($239,000) add value to the East Coast market, making them contenders for buyers seeking cost-effective opportunities.A Shift in Homebuyer Preferences“Savvy buyers are zeroing in on smaller cities that offer the best of both worlds,” says Hannah Jones from Realtor.com. This reflects a broader trend where homebuyers are prioritizing value without sacrificing access to economic opportunities and quality living conditions. The ability to obtain homeownership in areas with easy commutes to major job hubs is enticing, challenging perceptions about both city and suburban living.Market Dynamics and Future TrendsThe changing dynamics are marked by a noticeable decline in median list prices, a phenomenon that has not been seen in two years. While listings have decreased, active inventory rose significantly, suggesting a market correction that may benefit those looking to buy. “Buyers may find more lingering summer listings than an influx of fresh options,” Jones notes, signaling a potential window of opportunity as we move into a season that traditionally favors buyers.Ready for Your Next Move?With mortgage rates and economic sentiment in flux, now is the time for potential homebuyers to reassess their options. The data suggests that buyers might soon experience a favorable market where homes are more readily available, and prices are more negotiable. As the perfect time to buy approaches, staying informed about these emerging trends is essential for making strategic decisions in real estate investments.

09.13.2025

Discovering Cash Home Sales: Top Companies in Lehigh Acres to Know

Update Why Selling Your Home for Cash in Lehigh Acres Makes SenseIf you're in Lehigh Acres and looking to sell your home quickly, you may have encountered companies advertising "We Buy Houses." These businesses offer homeowners a fast and hassle-free way to sell their properties and obtain cash within days instead of the months associated with traditional sales. Given the ever-changing real estate market, this option is becoming increasingly appealing.Understanding Companies That Buy HousesCash-buying companies specialize in purchasing properties regardless of their condition. This means if your home needs repairs or you are facing financial difficulties, you don’t have to worry about making costly improvements or waiting for a realtor to find a buyer. You simply contact these companies, provide information about your home, and receive a no-obligation cash offer.Three Notable Cash Offering Companies in Lehigh AcresWhile many companies help expedite the selling process, here are three notable ones in Lehigh Acres:HomeLight's Simple Sale: This service provides an all-cash offer within 24 hours and a closing timeline of as few as 10 days, ideal for sellers needing quick liquidity.Offerpad: Another great option that simplifies the selling process by allowing you to request a cash offer online and manage the transaction digitally.iBuyer: Utilizing advanced technology, iBuyer companies offer streamlined processes, guaranteeing quick sales with cash offers.The Benefits and Drawbacks of Selling for CashSelling to cash buyers comes with both advantages and challenges. On one hand, the speed and convenience can be significant upsides, especially during tough economic times or personal circumstances requiring rapid sales. However, it’s important to recognize that these companies typically offer less than fair market value, so sellers will need to weigh the benefit of a swift sale against potentially receiving a lower price.Making the Right DecisionUnderstanding the cash sale process and the players involved in Lehigh Acres can empower you to make an informed decision in your real estate journey. While these options present a swift path to cash, consider the trade-offs carefully. Thorough research and analysis of each company's offer ensure that you aren't just moving quickly but also moving smartly.

CMHC Urges Banks to Embrace Risk in Housing Funding: What It Means

CMHC Encourages Banks to Take Efforts to Fund Housing

Why Increased Risk Could Be Beneficial

Lessons from Global Perspectives on Housing

Future Implications for Housing in Canada

Terms of Service

Privacy Policy

Core Modal Title