Mortgage Renewal Wave: What 2025 and 2026 Actually Look Like
Approximately 1.2 million Canadian mortgages renew in each of the next two years. The arithmetic of payment shock is stark.
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Key Areas of Analysis
Reading the Indicators: What the Data Actually Says
A guide to the key economic indicators Canadians should watch — and what they actually reveal…
02Fiscal Sustainability: Reading the Federal Balance Sheet
Canada's federal debt-to-GDP ratio remains manageable by international standards, but demographic headwinds and elevated spending commitments…
03Labour Markets After the Pandemic Reshuffling
Three years after the Great Resignation, Canada's labour market is cooling — but the structural shifts…
04Trade Reorientation in a Fragmented World
Geopolitical fractures are forcing Canadian exporters to rethink supply chains and market diversification strategies.
05Housing: Demand Management vs. Supply
Canada's housing affordability crisis is fundamentally a supply failure, but short-term demand management remains the primary…
06The Rate Cycle’s Long Shadow
How the Bank of Canada's 2022–24 tightening cycle continues to ripple through mortgage markets, business investment,…
Recent Analysis
Immigration, Population Growth, and the Labour Market Paradox
Canada is growing its population faster than at any point since the 1950s. This is simultaneously a solution…
Pharmacare’s Fiscal Arithmetic
Canada is the only country with universal health care that does not cover prescription drugs. The political will…
GDP Per Capita: The Number That Changes Everything
Canada's headline GDP growth has looked respectable. Strip out population growth and the picture is considerably less reassuring.
The Quiet Collapse of Office Real Estate
Downtown office vacancies in Canada's major cities have reached levels not seen since the early 1990s recession. The…
Upcoming
Federal Budget 2025 — Analysis Session
A live analysis session unpacking the federal budget — what was announced, what was buried, and what it…
89 interestedHousing Supply Summit — Toronto
Developers, planners, and policymakers in one room to debate what it actually takes to build 3.5 million homes.
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