- Member of Parliament
- Member of Parliament
- Liberal
- Scarborough Centre
- Ontario
- Voting Attendance: 66%
- Expenses Last Quarter: $131,199.78
- Government Page
In the spring, we were all focused on the high price of gas. It is still not cheap, but it is down substantially from its peak of over two dollars per litre. Groceries and other necessities remain more expensive than usual, and this trend is forecast to continue into the coming year.
While my friends across the way may say otherwise, inflation is not a made-in-Canada phenomenon. Groceries are not more expensive because our government stepped up during the pandemic to stop people from losing their homes and businesses from declaring bankruptcy.
In fact, our pandemic supports for Canadians, which I recall all members in the House working on together to deliver them to Canadians expeditiously, saw Canada emerge stronger from the pandemic. We were there for Canadians and we always will be.
Inflation is a global phenomenon driven by the zero-COVID policy in China, ongoing supply chain disruptions, climate change impacting the harvest of vital crops and the war in Ukraine. Canada is not immune to these global pressures.
We have done better than many of our peers. According to a report last month from CTV, Canada had the third-lowest inflation rate in the G7 at 6.9%, which is higher than only France and Japan, and faring much better than the United Kingdom, Germany, Italy and even the United States.
That said, the challenges being faced by many Canadians are very real, and Canadians expect their government to be there to help those who need it the most. You and I do not need help, Mr. Speaker. We can tighten our belts and weather the storm until it passes.
However, those families already on the edge, the seniors on a fixed income and the single mother trying to support her kids on a minimum-wage job are the people who need targeted assistance. It is those Canadians we are seeking to help with Bill C-32.
I would like to focus on a few of the ways we are already helping constituents in my riding who need help the most.
By doubling the GST tax credit for six months, we are directly helping lower-income seniors and families. Everyone below a certain income threshold is eligible for the GST tax credit, and this increased rebate is already putting money back into the pockets of Canadians who need help the most.
A single person with no dependent children can receive up to $234, and a couple with no children can receive up to $306. This goes all the way up to $628 for a couple with four children.
We are also topping up the Canada housing benefit with a $500, one-time payment. Everyone, from young people living on their own for the first time to families and seniors on a fixed income, is eligible based on their income and how much of their income they pay toward rent.
In short, whether it is a family with a net income under $35,000 or it is a single person earning under $20,000 and paying 30% or more of their income on rent, then they can qualify for this payment, but they need to apply for it. Applications open December 12, and if someone is eligible, I strongly encourage them to go online to apply.
We have also launched the Canada dental benefit for low-income families with children under the age of 12. It can provide up to $1,300 over two years to help with dental costs for eligible families. We expect this program to expand to lower-income seniors next year. I know it will make a difference for many seniors on a fixed income.
If people take care of their teeth, their teeth will take care of them. This program means that lower-income families without employer coverage do not need to neglect their oral health needs. We are also working toward a national dental care plan for all Canadians.
These are all targeted programs that are putting more money back into the pockets of lower-income families and seniors. We are building on these initiatives with Bill C-32.
To address housing affordability, we are taking a number of steps, including an anti-flipping rule to discourage people from rapidly flipping homes for profit in a short time, which is driving up housing prices. Houses should be a home, not a business. We would make it easier to save for a down payment with the new tax-free first home savings account.
We would change the rules around the tax on the value of non-resident, non-Canadian owned residential real estate that is considered to be vacant or underused. Also, we would double the first-time homebuyer's tax credit amount from $5,000 to $10,000.
I also have a lot of multi-generational households in my riding, and the multi-generational home renovation tax credit would help families make their homes more suitable to their needs.
I am particularly excited about the elimination of interest on federal Canada student loans and Canada apprentice loans, combined with no requirement for repayment at all until a graduate is making at least $40,000 per year. This would be a significant benefit for our young Canadians.
I meet with student groups every year and with individual students all the time in my community. They have long told me about the burden of graduating with major student debt that weighs them down for years. In real dollars, tuition and other expenses are so much more than when we were in school. Even working full time, it can be hard to keep up.
The elimination of federal student loan interest has been welcomed by many stakeholders. For example, the Canadian Alliance of Student Associations, which I met with last week, said:
Big news for students across Canada!
Starting on April 1, 2023, the Government of Canada will remove the interest on Canada Student Loans. This investment is welcomed by past, current, and future student loan borrowers.
The Public Service Alliance of Canada said:
We're pleased to see help to Canada's most vulnerable in today's economic update, including eliminating student loan interest payments for thousands of our members and increased funding for the services our members deliver to Canadians every day.
By eliminating interest and delaying repayments, we would make it easier for young graduates just entering the workforce to begin a family, to begin saving and to enter the housing market. Without the burden of crushing debt payments and compounding interest, they could more easily realize their career goals and contribute to society, which would enrich us all. This measure would save the average graduate more than $400 every year, and that would be a real benefit for young families saving for their first homes.
I could go on, but the sooner we pass this legislation, the sooner more help will begin to flow to Canadians who need help the most. I urge my colleagues to join me in supporting Canadians, and let us pass this bill.
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Madam Speaker, as part of the national housing strategy, we are addressing the issue of affordability and the lack of rental housing construction and capacity. We have introduced the rapid housing initiative, a $2.5-billion program to finance the construction of modular housing as well as the acquisition of land and the conversion of existing buildings to affordable housing. The rental construction financing initiative gives developers low-cost loans during the riskiest phases of construction. This helps developers to better predict costs so they are more incentivized to build rental projects, all while meeting important criteria in terms of affordability, accessibility and energy efficiency.
These programs are working, but it will take time to have an impact and begin bringing prices under control. Canadians need help now. That is why this legislation proposes to invest $1.2 billion to provide a direct federal Canada housing benefit top-up payment of $500 to 1.8 million renters who are struggling with the cost of housing. This is in addition to the $4 billion we are already investing to provide an average of $2,500 in direct financial assistance for the cost of rent to Canadians across the country through the existing Canada housing benefit.
This new, one-time benefit would be available to applicants with incomes below $35,000 for families, and $20,000 for individuals, who pay at least 30% of their income on rent. If this legislation is passed, eligible renters will begin receiving payments before the end of this year. To be eligible, applicants must have filed their 2021 tax return and will need to attest that they are paying at least 30% of their adjusted net income on rent. Families must have a net income of $35,000, and individuals must have an income of less than $20,000. An estimated 1.8 million low-income renters, including students, who are struggling with the cost of housing would be eligible for this new support.
This is help that my constituents very much need. It would put more money back into the pockets of lower-income Canadians who need it to help buy groceries and put gas in their car so they can get to work. I urge my colleagues not to delay in passing this important legislation. Let us deliver help to those who need it the most, and let us do it today.
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Madam Speaker, I rise to speak to Bill C-31, an act respecting cost of living relief measures related to dental care and rental housing. This legislation would help address some of the concerns that many of my constituents have shared with me around the rising cost of living and the increasing difficulty they are facing in making ends meet.
All of us in this House and in this country are seized with the issue of inflation. Indeed, the world is seized with the issue of inflation because it is a global phenomenon. Forces like high oil prices ripple through the supply chain and so do supply chain disruptions, leading to a scarcity of goods and rising prices for them. The economy is still recovering from the pandemic. We are all feeling the pinch.
Canada has done better than most G7 countries and is doing better than our American neighbours and peers, such as the United Kingdom and Germany. We have seen prices come down at the pumps, but according to the latest Statistics Canada numbers and what we are seeing at the grocery store, food inflation remains a serious problem.
While inflation is, as I said, a global phenomenon and a temporary one that will ease in time, that does not make the burden on Canadians today any less real and any less serious. While my colleagues and I in this place can afford to absorb the temporary higher prices, not all Canadians are that fortunate. They need our help, and just as we always have been, since the first act of our government after the 2015 election to lower taxes for the middle class and those working hard to join it by asking the top 1% to pay just a little more, we will be there for Canadians who need help the most.
Canadians are looking to their elected representatives for help, and I was pleased to see Bill C-30 receive speedy support and passage at second reading so that it could go to committee for further study. This is an important part of our government’s response to the affordability challenges that Canadians are facing.
If passed, Bill C-30 will double the goods and services tax credit for six months, delivering $2.5 billion in additional support to roughly 11 million lower-income Canadians. For a typical family, this could mean up to $612, plus $161 for each child under the age of 19. I hope the co-operative spirit continues and we see this legislation passed soon so that Canadians can get this much-needed help to cope with higher prices. I also hope that this same co-operative spirit can prevail in this place with Bill C-31, because it delivers much-needed help for lower-income Canadians struggling with higher prices. They do not want to see politicians stalling on the help they need with political games.
There are two main components in Bill C-31, and the first relates to dental care. While we here in this place benefit from generous employer-provided dental plans that cover us and our dependants, many Canadians are not so lucky. They are forced to pay for needed dental services out-of-pocket, including for their children. Beyond the cost of a regular cleaning for their children, dental emergencies can become financial emergencies and force very hard choices.
Making life more affordable for families across the country must include making oral health care accessible for all. Dental care is an important part of overall health, yet in Canada, one-third of the population cannot afford it.
Creating a proper national dental system from coast to coast to coast that is integrated as part of Canada’s health care system will take time, co-operation and coordination with the provinces and territories. However, in recognizing that we need to start helping Canadians with these costs now, this legislation proposes a new, temporary Canada dental benefit. The benefit would provide dental care for uninsured Canadians with a family income of less than $90,000 annually, starting with children under 12 years old in 2022.
The Canada dental benefit would allow all eligible parents to access direct payments totalling up to $1,300 per eligible child under 12, up to $650 per year, to support the costs of dental care services. Once the program is live, Canadians will be able to access the Canada dental benefit through their CRA accounts. The CRA is prepared to deliver and make it as easy as possible for eligible Canadians to get the money they need for oral health care.
Dental health is an important part of our overall health and should not be sacrificed for financial reasons. With this bill, we would be taking an important first step and putting more money back in the pockets of Canadians who need it the most.
The second major component of Bill C-31 relates to housing. Affordable housing and the high cost of safe and suitable housing is one of the biggest issues for the residents of my riding of Scarborough Centre. This legislation addresses one of the major components of housing that is so often ignored by the official opposition: rental housing. While they have a lot to say about home ownership, they have little to say and little to offer to those who rent their homes.
I have a lot of renters in my community of Scarborough, and many of them are trapped in inadequate and substandard rental housing that does not meet their needs. I say they are trapped because they cannot afford to move to a bigger unit or a nicer unit that could better suit their needs because market rent is now well beyond their means. If they were to leave their current unit, it would be rented out for many hundreds of dollars a month more.
Even within the guidelines, rent increases, in combination with all the other high prices families are facing, are difficult to manage. As part of the national housing strategy—
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- Dec/9/21 4:55:41 p.m.
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Mr. Speaker, it is really important that all levels of government work together to ensure that we have more housing built in Canada. The federal government should be a partner working alongside provinces and municipalities to ensure we can help those who want to rent affordable housing for Canadians.
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- Dec/9/21 4:41:29 p.m.
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Mr. Speaker, congratulations to you on your new role.
Affordable housing and the high cost of safe and suitable housing is one of the biggest issues for the residents of my riding of Scarborough Centre, so I welcome the opportunity to speak to this pressing issue and share some of the solutions our government is already working on, which, unlike the few actual specifics proposed in this motion, actually can and are addressing this issue in a serious and meaningful way.
Our government is committed to ensuring that Canada’s communities are healthy, sustainable and productive places to live and prosper. An essential part of attaining that goal is making housing affordable and accessible. In the Speech from the Throne, we committed to further investment in housing that will see more units built, increase affordable housing and ultimately put an end to chronic homelessness in Canada. In fact, investments in affordable housing are front and centre in our government’s efforts to build diverse, inclusive communities that strengthen our economy and support our continued prosperity. Everyone deserves a safe, secure and affordable place to call home.
Since 2015, our government has invested close to $30 billion in housing, and we have helped create more housing for over one million Canadians from coast to coast to coast. It is why we introduced Canada’s first-ever national housing strategy in 2017, a 10-year, $72-billion plan that is improving housing affordability for all Canadians.
The national housing strategy addresses housing security needs with an emphasis on populations made vulnerable, such as seniors, indigenous people, and women and children fleeing domestic violence. By supporting climate-compatible, resilient and affordable housing, we are taking important steps to support Canada’s climate change initiative. The national housing strategy will help ensure that the current and next generation of affordable and community housing in Canada is sustainable and built to last.
As part of the national housing strategy, we have introduced the rapid housing initiative, a $2.5-billion program to finance the construction of modular housing, as well as the acquisition of land and the conversion of existing buildings to affordable housing.
I had an opportunity earlier this year to take part in a modular housing announcement in my riding with the City of Toronto, a 57-unit supportive housing site that will be managed by a non-profit housing provider. This is the kind of initiative that makes a real and immediate difference in the lives of people made vulnerable across Canada.
Let me talk about another program, the rental construction financing initiative. This program has seen incredible uptake since it was launched five years ago, and it is making a real difference for middle-class Canadians. It is a well-known fact that there is a shortage of purpose-built rental supply in Canada. Many of our cities have extremely low vacancy rates. This has driven up prices to the point where the very people who make our cities run can no longer afford to live in them.
We cannot just keep pushing the middle class to the suburbs if we want vibrant, inclusive cities. I see this every day in Scarborough. Our rental stock is old and dated and ill-suited to the needs of the many multi-generational families who call Scarborough home. People are afraid to move to new rental housing that may be more suitable, because they just cannot afford the massive increases in rent they have been somewhat shielded from as long-term tenants in their current rental units.
The rental construction financing initiative addresses this exact problem. It gives developers low-cost loans during the riskiest phases of construction. This helps developers to better predict costs, and they are more incentivized to build rental projects, all while meeting important criteria in terms of affordability, accessibility and energy efficiency.
From the beginning, the program generated great interest from the housing sector. To meet the growing demand, we increased our investments to $13.75 billion. It is estimated that when the rental construction financing initiative comes to an end in 2028, the $26 billion invested will have created more than 71,000 new rental housing units across this country. In other words, 71,000 more middle-class families will be able to find housing they can afford in the cities where they live.
We are taking steps to make housing more accessible, more sustainable and more affordable. These investments will give Canadians a healthier, greener and more affordable place to call home. We are helping communities implement more permanent housing solutions by providing them with the flexibility to direct funds toward local priority areas as part of the response to this pandemic. We have heard the concerns of Canadians, and they want us to do our part to ensure that they have affordable options wherever they are on the housing continuum. We know that housing affordability is a priority for people across Canada, as it is a priority for this government.
When I look at the motion from the opposition, I do not see much that will help my constituents in Scarborough. We do not have surplus federal land.
Our government is implementing, as of January 1, 2022, a national tax on non-resident, non-Canadian owners of vacant, underused housing, and we will extend this to include foreign-owned vacant land within large urban areas. We also committed in our platform to temporarily banning new foreign ownership in Canadian housing, to ensure that Canadians have more access to purchasing homes.
The idea of a capital gains tax on the sale of a primary residence has never been considered by our government. It is a Conservative fiction designed to distract from their own lack of serious ideas and a decade of a Conservative government where they abandoned any federal role on housing.
Again, the Conservatives decry the support that our government provided to Canadians during this pandemic. This $400 billion they villainize in the motion before us is money that allowed people in Scarborough and across Canada to make their mortgage and rent payments during the height of the pandemic. It allowed businesses to keep staff on the payroll, stay in business and keep their doors open in the darkest hours. These programs literally allowed people to stay in their homes. How can Conservatives say they want to solve the housing crisis when they oppose helping people keep their homes during a pandemic?
On this side of the House, we are taking strong action to make a real difference in the lives of families. We laid out that plan in the recent Speech from the Throne. The government will help families buy their first home sooner with a more flexible first-time homebuyer incentive and a new rent-to-own program, as well as by reducing the closing costs for first-time buyers. The $4-billion housing accelerator fund will increase the housing supply.
We are building stronger communities in which people can live, play, work and do business, and we are committed to working with the municipalities, provinces and territories as partners to address this housing crisis. Canadians expect serious leadership and collaboration, and that is what we will deliver.
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