- Member of Parliament
- Member of Parliament
- Conservative
- Dufferin—Caledon
- Ontario
- Voting Attendance: 64%
- Expenses Last Quarter: $136,309.03
- Government Page
- Oct/19/23 2:45:28 p.m.
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You could afford a house.
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- Oct/19/23 2:44:43 p.m.
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Mr. Speaker, the Liberals' answer to the housing crisis is that we should support more of their failed policies. That is their answer. It is a special kind of incompetence. If people do not have a house, they cannot afford it. If they have a house, they cannot afford to keep it because interest rates are so high from the Liberals' inflationary deficits, yet they keep spending and spending, interest rates go up and up, and Canadians are at risk of losing their homes.
Will the Liberals get these inflationary deficits under control so Canadians actually do not lose their homes?
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Madam Speaker, it is amazing that all of this was predicted. The affordability crisis we find ourselves in, runaway inflation and high interest rates were all predicted by the Conservative leader.
It is actually a shocking amount of spending. The federal government, under this NDP-Liberal coalition, now spends $176 billion per year every year more than in 2015. I hear from constituents when they raise that issue, and I ask, “What in your life is better?” No one can answer that. All of this spending has really driven the affordability crisis and has not helped the vast majority of Canadians.
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Mr. Speaker, I am going to talk today about Bill C-56, which is the Liberal-NDP government's attempt at dealing with the affordability issue.
To talk about the legislation itself, we first need to look at where we are in this country, and it is not a very pretty picture. If we look at where we are right now, mortgage payments over the last eight years have virtually doubled in this country from coast to coast to coast. We have a similar issue now with rent all across the country. If we look at the average rents being paid now, that amount has also virtually doubled. This is the track record of the Liberal government, which now suddenly seems to be concerned about affordability for Canadians.
However, the bad news for Canadians does not stop there. It used to take 25 years to pay off one's mortgage. Now it takes the average Canadian 25 years to save for their mortgage. Think about what the difference between those is. Some people might say that is not their problem and that this is a young person's problem when they are trying to get into the market. It is bad enough if it is a young person's problem, but it is also affecting average Canadians right here and right now.
I was recently informed about a person whose mortgage has come up for renewal. Their mortgage was coming from that nice, low fixed interest rate. People will remember those low interest rates the Prime Minister said were going to be there for a very long time, the interest rates the Governor of the Bank of Canada said were going to stay low for a very long time. Based on that, many people took mortgages with a very low interest rate because it allowed them to have a mortgage payment they could afford. However, as mortgage rates have continued to go up, as the Bank of Canada has continued to raise interest rates in order to fight inflation, average Canadians now have to pay the bill as a result of this.
In this particular circumstance, this family has said that it can hold on for about another six months with this increased mortgage payment. They can dig into savings and they can further borrow for about six months, and then they are not going to be able to make the mortgage payments on their home. That is the consequence of eight years of the Liberal government.
Inflation is out of control. I hear it all the time in my riding of Dufferin—Caledon. People come up to me in the grocery store and say to me that they now have to only go to the grocery store to shop bargains. They do not actually have a grocery list, because they can buy only what is on sale. This is all they can afford. After eight years of the Liberal government, this is what people are saying to me in the grocery store. It is a shocking turnaround for Canadians. They are having trouble paying their mortgages. They are having trouble buying groceries. They are having trouble heating their homes as a result of the carbon tax. All of these things are making life more expensive for Canadians.
There is a simple solution. There are actually two very simple solutions the government could implement right away. Number one is that it could cut the carbon tax. We know that would have an immediate impact, because, as has been said by Conservatives in the House of Commons over and over again, the farmers are taxed on farm produce. As they produce it, they are taxed with the carbon tax. Whether that is for drying the grain, driving the combines or whatever, they are paying a carbon tax. When that crop is harvested, the driver of the truck that comes to pick it up is going to pay the carbon tax. When it goes to be processed, there is a carbon tax. When a truck picks it up to take it to the grocery store, there is a carbon tax. At the grocery store, the carbon tax is heating the grocery store; therefore, the store owner is paying a carbon tax as well.
At the end of the day, Canadians cannot afford to pay for food, and they end up saying that they do not even have a grocery list and just go to the grocery store and buy whatever is on sale. If we would have said this to Canadians eight years ago, they would have said that this was not possible. In a country like Canada, food is abundant. We feed the world because we have the best farmers in the world, who are great stewards of the land. If we had said eight years ago that Canadians would only be able to go to the grocery store and shop bargains, that would have been an inconceivable thought, but here we are.
After eight years of the Liberal government, that is the sad situation that Canadians find themselves in. It is very difficult to pay the mortgage, very difficult to buy groceries, very difficult to pay rent and very difficult to buy a house. That is the Liberals' record. That is the context that we look at when they bring in this bill.
This is not a new problem. Conservatives have been talking about this problem for the last number of years. In fact, the Conservative leader, many years ago, said that the inflationary spending caused by the government was going to drive up inflation, which would then drive up interest rates. He is looking more and more like Nostradamus with that prediction. As for me, 18 months ago, I rose to speak about the impact of the carbon tax on food production. I said that it was going to cause a massive increase in the cost of food, and here we are. The Liberal government cannot therefore claim that somehow this is a new problem, that it was unaware of the problem. It was well aware. It was well forewarned and did absolutely nothing about it.
When we look at this particular bill, what is amazing to me is that Liberal members will get up in this House during debate and during question period and talk about how, as a result of tabling this legislation, one developer has said it is now going to build 5,000 rental units. They puff out their chests and say to look at them, look at the amazing things they have accomplished. Well, let us put that into context.
According to the CMHC, we will need to build three million more homes between now and 2030 than are planned or scheduled to be built. The plan is that we will build two million homes. We will have to build three million more than that in order to get back some affordability.
As I have said a few times in this chamber, I went to law school because I was not good at math. However, what I did before I prepared for this speech is decided to get out my calculator and look at this. I saw that 5,000 units out of the three million we need is 0.0016%. If I had a child come home with a bad grade, and the teacher not only put an F on there but said that my son got 0.0016% on the test, I would not be a proud father. However, somehow these members walk around like they have discovered fire with this plan to build such a small number of houses.
It is even worse. To even come up with some of their plan, they had to take from the Conservative leader's plan. With grocery affordability, again, the best thing they could do is cut the carbon tax, which they repeatedly vote against. We know that this would bring the most relief. They also decided they are going to bring in some Competition Act changes, which they also stole from a Conservative member of Parliament's private member's bill. When a government is completely out of ideas, affordability has gone off the scale and Canadians are deeply hurting, what does the government, the brain trust and all of the political advisers they have come up with? Well, they just take what the Conservatives said they were going to do.
They have only taken some of it. What we have here is a plan that is not going to do anything to address the affordability crisis that is going on across the country, and there is a real consequence. I spoke about this in question period. For example, there is Paula in B.C., 71, who is retired. She is now saying that she might have to move out of her house because the landlord is going to sell it. She is also facing a 75% increase in rent as a result of that. That is their record. They have not provided solutions quickly or ones that are going to address the concerns of Canadians.
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Mr. Speaker, I will be splitting my time with the member for Wellington—Halton Hills, who is actually my neighbour. His riding is right beside mine.
In talking about the budget, we should look at some numbers. The first number I want to talk about is $176 billion. Government spending is up $176 billion since 2015. That is a 63% increase in government spending in eight years. We might ask ourselves what all this spending has done for Canadians. It is a very reasonable question. That is a massive increase.
If I increased my home budget by 63%, I am going to guess my spouse and children might look around and ask, “Since the budget is way up, what is better? Have things gotten better here?”
Let us look at what all this spending has done for Canadians. Right now, there is a $176-billion growth in government spending per year, and one in five Canadians is now skipping meals because life is so expensive and unaffordable. I was not an A student when I went to university, but I am smart enough to understand that this is a problem.
Let us look at this other number: 1.5 million Canadians are now using the food bank. Let us go back. There is $176 billion more in government spending, and the result is that 1.5 million Canadians are using the food bank. We can take that part out of the equation. Affordability is actually being able to buy groceries and live. We know that the affordability question is awful after all this government spending. Every Canadian we talk to would say that life is unaffordable. However, we can put that aside for just one second.
Let us talk about something else that is important for Canadians. We can talk about rent. Rent has almost doubled since 2015. There is $176 billion more being spent, and one needs to pay twice as much for rent. We can imagine what that does to a family's ability to make ends meet. Families are now paying twice as much in rent. Have their paycheques gone up? Have they doubled? No, they absolutely have not, but the rent has.
It is the same thing if one wants to buy a house. Since houses are now so expensive and have gone up so much under the government, one now needs to put twice as much down as a down payment. People are thinking that their rent is terrible and unaffordable; maybe they should get out of the rental market and buy a house. What happens then? Now they need to have twice as much money as a down payment to buy that house.
Again, after eight years of the Liberal government, $176 billion more is being spent per year. When we look at affordability, or the ability to make ends meet, Canadians are skipping meals and going to the food bank. On that metric, it is an F.
Let us look at what else is going on, such as with housing. Housing is extremely important. Rents have doubled. If someone wants to buy a house, they find that down payments have doubled. A recent survey showed that nine in 10 Canadians who do not own a house think they never will. We can let that sink in for a second. That is how bad it is. This is after eight years of a Liberal government and increasing government spending by $176 billion.
To go back to my own house, if my budget had gone up by 63% and my spouse and children looked around and everything was more expensive, they might be asking me what is going on. They might ask what all this spending was for.
That is the incredible thing about it. Right now, we are in the middle of a massive public service strike. The Liberals massively increased the size of the government over the past eight years, as well as spending on the government, and still somehow managed to have 100,000 public servants go on strike. We are now on day nine. This is stunning incompetence.
Everything is more expensive. People cannot buy a house, and they can barely pay their rent. Government workers have walked off the job. That is the Liberals' record. It is astounding. When we look at all this, it has been financed with deficit spending, which adds to the debt. The debt is now $1.2 trillion. Interest payments on the debt have also almost doubled to $44 billion a year, soon to be $50 billion a year.
Many Canadians, from coast to coast to coast, find it hard to get medical appointments or specialist appointments. We can imagine for a second what $50 billion per year would do for health care. It would help to remove the lineups that Canadians are stuck in. When so many Canadians do not have access to a family doctor, it would help to hire more family doctors. Again, this is Liberal Canada after eight years.
The Liberals may not believe me; I find that often happens in this place. They seem to say they were spending all this money and ask why the Conservatives are talking about the problem. I will tell members why. It is because I get emails from people like Kim.
Kim sent me an email that says, “I am stretched so thin. I either pay bills or buy food because I can't afford both.” Again, we should let that sink in. There is $176 billion more spent per year by the government, and Kim is choosing whether to eat or pay bills. It is a disgrace what the government has done to this country and what it is putting Canadians through. Canadians deserve so much better than what the government has done. Kim goes on to say, “Food costs are ridiculous. Gas and heating keep going up. Is life better under this government? Not by a long shot.”
Can we guess what the government's answer to the affordability crisis is? It is that the carbon tax is going up. The carbon tax makes everything more expensive because the farmer who pays the carbon tax on the fuel to run the farm passes that cost on to consumers. Then the truck that takes the product from the farm to be processed has a carbon tax. That is more expensive. The plant that does the processing has a carbon tax. That makes it more expensive. It then gets trucked to a grocery store, and there is a carbon tax. It makes it more expensive. The grocery store has a heating bill with a carbon tax. That makes it more expensive. If we wonder why Canadians cannot afford to eat, it is because the government just increases the carbon tax at every opportunity.
I visited a farm two weeks ago in my riding. Guess what its carbon tax bill was? It was $17,000. The Liberals say the carbon tax is revenue-neutral, but it is not. The PBO has made clear that the carbon tax is making the lives of Canadians less and less affordable all the time.
I want to finish with an email from Daina. I got it just the other day. They said, “I want to express concerns for two full-time, very hard-working adults, one of which is a small business owner and in our home, so the home tax rebate doesn't assist us. We can't afford to bring a child into this world because of the costs.”
This is from a young couple that somehow managed to buy a home. It says she bought it five years ago, so things were not as bad then. They are choosing not to have children because they are barely making ends meet. I know what the member is going to jump up and say, “What about $10-a-day day care?” They know about it, and they are still making this choice. For one thing, it is just not available for everybody. Not everybody gets it.
The government spends $176 billion more per year, and everything is worse in this country. People are going to food banks. People are choosing between heating their homes and eating. People are choosing not to have children. That is the Liberals' legacy, and it is disgraceful.
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- Mar/8/23 7:31:46 p.m.
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Madam Speaker, I am sure that, with regard to the 415% increase in seniors using the food bank, those folks are going to be very happy to hear about the Liberal child care program.
Speaking of that program, most Canadian families cannot access it because there are just not that many spaces.
As for the other programs she has talked about, I said that those have already been announced and yet 25% of Canadian families are unable to meet a $500 expense and 45% of Canadians are $200 away from not being able to make ends meet, despite all of these programs.
When will they get it through their heads? It is not working. The programs are not actually stopping any of this.
What is actually causing it is the carbon tax, which is running up the price of everything. Cut the carbon tax and groceries will be affordable, heating one's home will be affordable and people will actually be able to make ends meet.
Do not talk about a program that has actually done nothing.
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- Apr/7/22 2:29:46 p.m.
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Mr. Speaker, well, let us talk about investments. We have all heard of the Midas touch. It turns things to gold. We have the Liberal touch, and it is not gold.
Liberals have invested billions of dollars to increase housing affordability. What has happened? Housing prices have doubled. They spent $60 billion to reduce greenhouse gas emissions, and emissions went up. Helping the middle class? Sixty per cent of Canadians are having trouble making ends meet.
How is it when the Liberal government spends money, Canadians just end up further behind?
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Madam Speaker, I would not say the primary purpose is so that there is competition. The primary purpose is that there would be more insurance companies that people could speak to, to try to find a better price. It is the cost of buying insurance. We should especially imagine a new Canadian family that is just trying to get themselves established. A $4,000 or $5,000 bill to have their parents or grandparents come to visit them might actually make it impossible for them to do so. By having more options, I think the price will come down and make it more affordable for Canadian families from coast to coast to coast.
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