The Bank of Canada just raised rates for the first time since 2023, taking the overnight rate from 2.25% to 2.5%. The economy isn’t booming, so why now? Nick and Dan explain how oil and the Middle East conflict are pushing the Bank to act, and recap the full ride from the 2022 hikes to the 2024 cuts and a year of holds.

They also cover what economists predicted, why Australia, Europe and the UK are raising rates too, and the number that matters most: the Bank now sees 3.1% inflation in 2027.

Finally, they get into what it means for your mortgage: fixed vs variable, where prime is headed, and why variable borrowers should run their numbers at a higher rate before renewal.

Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Bibliothèque

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Ottawa just put $2 billion on the table for the new National Heat Pump Rebate: up to $10,000 if you’re below median income, $2,000 for everyone else.

Nick and Dan go through the fine print. You get one rebate per person, not per property, and the $1,400 savings claim covers oil and baseboard homes, not gas. Then they run the real Toronto numbers. With the carbon charge gone, a heat pump costs more to run than a gas furnace, so for most Ontario homes it only makes sense when the furnace and AC need replacing at the same time.

They also cover cold weather performance, the panel upgrade that surprises homeowners, and Ontario’s rebate rules for rentals. For investors, they explain how energy upgrades earn MLI Select points, and why going from 50 to 100 points on a $5M build can save about $60,000 in premium.

Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Bibliothèque

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Montreal was building gentle density a century before anyone called it “missing middle.” Nick and Dan go back to the Lachine Canal factory boom and a 10 foot setback rule that pushed staircases outside and gave the city its look. They get into the original house hack (owner downstairs, tenants upstairs), why all of Quebec moves on July 1, and how Montreal became a majority renter city without a skyline full of towers.

Then the contrast: Toronto and Vancouver zoned this housing out of existence and are now spending billions to bring it back. The investor section covers Ontario’s unit rules, MLI Select’s five unit minimum, the federal Housing Design Catalogue and the Housing Accelerator Fund, plus what the plex still teaches anyone building small multifamily today.

Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Bibliothèque

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