Build Canada Homes Act

An Act respecting the establishment of Build Canada Homes

Sponsor

Gregor Robertson  Liberal

Status

This bill has received Royal Assent and is, or will soon become, law.

Summary

This is from the published bill. The Library of Parliament has also written a full legislative summary of the bill.

This enactment establishes Build Canada Homes as a Crown corporation. The purpose of Build Canada Homes is to promote, support and develop the supply of affordable housing in Canada and to promote innovative and efficient building techniques in the housing construction sector in Canada. The enactment, among other things,
(a) sets out the powers of Build Canada Homes and its governance framework;
(b) authorizes the Minister of Finance to make payments out of the Consolidated Revenue Fund to fund the operations and activities of Build Canada Homes; and
(c) provides that the Governor in Council may transfer to Build Canada Homes the property, rights, interests and obligations held by any Crown corporation or subsidiary of a Crown corporation and may issue directives for measures to be taken in relation to the reorganization of Canada Lands Company Limited or any of its subsidiaries.
It also includes transitional provisions, makes a consequential amendment to the Financial Administration Act and contains coordinating amendments.

Elsewhere

All sorts of information on this bill is available at LEGISinfo, an excellent resource from Parliament. You can also read the full text of the bill.

Bill numbers are reused for different bills each new session. Perhaps you were looking for one of these other C-20s:

C-20 (2022) Law Public Complaints and Review Commission Act
C-20 (2021) An Act to amend the Nova Scotia and Newfoundland and Labrador Additional Fiscal Equalization Offset Payments Act
C-20 (2020) Law An Act respecting further COVID-19 measures
C-20 (2016) Law Appropriation Act No. 3, 2016-17

Votes

June 10, 2026 Passed 3rd reading and adoption of Bill C-20, An Act respecting the establishment of Build Canada Homes
June 9, 2026 Passed Time allocation for Bill C-20, An Act respecting the establishment of Build Canada Homes

Debate Summary

line drawing of robot

This is a computer-generated summary of the speeches below. Usually it’s accurate, but every now and then it’ll contain inaccuracies or total fabrications.

Bill C-20 proposes establishing "Build Canada Homes" as a new federal Crown corporation. Its mandate is to increase the national supply of affordable housing by leveraging public lands, providing flexible financing, and promoting modern, efficient construction methods across Canada.

Liberal

  • Establish a housing Crown corporation: Establishing Build Canada Homes as a Crown corporation provides the operational independence, financial flexibility, and authority needed to deliver affordable housing at scale and accelerate construction timelines through the conversion of federal lands.
  • Support Canadian industrial growth: The party prioritizes a 'Buy Canadian' policy and modern construction methods like prefabrication and mass timber to strengthen domestic supply chains, support the lumber and steel sectors, and create year-round jobs.
  • Foster multi-level partnerships: By coordinating with provinces, municipalities, and Indigenous communities, the government aims to streamline approvals, leverage public lands, and ensure that new developments include essential wraparound health and social supports.
  • Address market gaps: The corporation focuses on non-market, deeply affordable, and cooperative housing that the private sector fails to provide, ensuring vulnerable populations and young Canadians have access to stable, attainable homes.

Conservative

  • Oppose redundant housing bureaucracy: The Conservatives reject Bill C-20, arguing it creates a fourth federal housing agency that adds administrative layers and delay rather than removing the regulatory barriers, such as restrictive zoning and slow permitting, that prevent construction.
  • Insignificant impact on supply: Members cite Parliamentary Budget Officer data showing the new Crown corporation would produce only 5,000 homes annually—one percent of the government's stated goal—failing to meaningfully address the national housing supply crisis.
  • Empower builders over bureaucrats: The party contends that homes are built by tradespeople and builders rather than government boards. They advocate for reduced government interference, lower taxes, and the elimination of red tape to allow the private sector to function.
  • Propose market-driven alternatives: Instead of expanded bureaucracy, the party proposes cutting the GST on new homes under $1.3 million, halving development charges, and tying federal infrastructure funding to mandatory 15 percent annual increases in municipal housing completions.

Bloc

  • Support for housing with jurisdictional caveats: The Bloc supports the goal of building affordable housing but prefers direct transfers to provinces. They conditionally support the bill because of a memorandum of understanding intended to respect Quebec’s jurisdiction over housing.
  • Lack of legislative safeguards: Members criticize the bill for failing to include specific requirements for social housing, environmental standards, or clear affordability definitions in the text, leaving important policies to the government’s discretion without accountability.
  • Concerns over Crown corporation powers: The party is concerned that granting Build Canada Homes "agent of the Crown" status allows it to bypass municipal taxes, ignore local land-use bylaws, and expropriate land without provincial or local oversight.
  • Integration with the forestry industry: The Bloc emphasizes that for a national housing strategy to succeed, the federal government must simultaneously support the struggling forestry sector to ensure a steady supply of local building materials.
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Build Canada Homes ActGovernment Orders

March 13th, 2026 / 12:55 p.m.

Bloc

Mario Simard Bloc Jonquière, QC

Mr. Speaker, I said that the agreement with Quebec and its $1-billion infrastructure funding was a good thing.

I certainly will not stand in the way of housing construction. It is the government's ineptitude that is killing one of the economic sectors that is essential to housing construction: softwood lumber. The federal government is literally allowing this sector in Quebec to die. There has been no negotiation to resolve the tariff crisis that is affecting the softwood lumber sector. I am not hearing anyone across the way express concern for forestry workers or their plight. Sawmills might eventually get a retooling program, but they are all in the process of closing down.

I am not the one slowing down housing construction in Canada. The government's inaction is to blame.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1 p.m.

Conservative

Ziad Aboultaif Conservative Edmonton Manning, AB

Mr. Speaker, every time the government has an issue, it either throws money at it or creates another bureaucracy. Would the hon. member agree?

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1 p.m.

Bloc

Mario Simard Bloc Jonquière, QC

Mr. Speaker, I agree with my colleague on the bureaucracy issue. I do not believe that creating a Crown corporation is the way to solve the housing crisis.

The simplest solution would have been to take the money associated with this program and transfer it directly to Quebec and the provinces, which have the capacity to build these housing units. However, the federal government likes to slap a little Canadian flag on its measures and continues to be a little less efficient than it should be.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1 p.m.

Bloc

Yves Perron Bloc Berthier—Maskinongé, QC

Mr. Speaker, I congratulate my colleague on his excellent speech.

It is rather shocking to see that, throughout his speech, my colleague pointed out the lack of support for the forestry industry, which will be vital for the housing construction, but nobody on the other side has responded. What does my colleague have to say about that?

When he says that the $1 billion is a good thing and a good start, he is right. However, what does he think of the fact that this $1 billion represents 16.6% of the amount, while Quebec's share of the population is 22%?

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1 p.m.

Bloc

Mario Simard Bloc Jonquière, QC

Mr. Speaker, what my colleague so eloquently highlighted is the injustice that Quebec has become accustomed to.

Specific sectors of the Quebec economy are overlooked when it comes to government policy. Which two sectors are currently subject to the highest tariffs? They are the aluminum sector, which is predominantly based in Quebec, and the softwood lumber sector.

Is anyone in government expressing concern about those two sectors? All we hear about are the gas, oil and automotive industries. That is Canadian history in all its glory. That has been the case for the last 30 or 40 years.

There is a fairly simple solution: independence.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1 p.m.

Winnipeg North Manitoba

Liberal

Kevin Lamoureux LiberalParliamentary Secretary to the Leader of the Government in the House of Commons

Mr. Speaker, I have a very specific question for the member. The federal government has programs that really promote things such as housing co-ops. My question for the member is this: Does he make any attempt to communicate with his constituents about programs the federal government is offering from which they would actually benefit, such as housing co-ops and things of that nature, including, in the future, this particular corporation being established today?

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1 p.m.

Bloc

Mario Simard Bloc Jonquière, QC

Mr. Speaker, I understand that there are federal programs to support housing co-operatives. It is only natural for an MP to support projects in their constituency. That is simply part of an MP's job.

What I wish the member for Winnipeg North would take away from my speech today is that the government is putting the cart before the horse. The government is creating a framework without first securing the materials that are logistically required for housing construction. That is what my colleague should worry about.

Creating a framework to address the housing crisis without taking care of the underlying logistics makes no sense.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1 p.m.

Conservative

Eric Melillo Conservative Kenora—Kiiwetinoong, ON

Mr. Speaker, I am pleased to join the debate on Bill C-20, a piece of legislation purportedly aiming to address the housing crisis in Canada. We know that the Liberals are talking about the legislation in the light of believing that it would build Canadian homes, but we know from reading through the legislation and from the past work, after 10 years or 11 years of Liberal governments, that it would only build more Canadian bureaucracy.

There is no question that we are in a housing crisis. We see it right across the country in communities big and small, whether large cities like Toronto or the small rural communities of northern Ontario that I represent. It is the result of Liberal policies and a high tax-and-spend agenda that has driven up the costs of housing construction, interest rates and mortgage rates, and has led to a situation where people right across all walks of life, at different income levels and different ages, are struggling to find appropriate housing. As I mentioned, this is something we see right in northwestern Ontario.

I do not know how many seniors I have spoken to who are looking to downsize but cannot find an appropriate place. They are in too big a home. They want to be able to downsize and to move out of their home. They want to allow a young working family to be able to buy their home, but they are unable to do so. As a result, an entire generation of young Canadians are being priced out of home ownership. Mortgage rates are rising, and many people, even those who have a home, perhaps even their dream home, are now worried they are not going to be able to continue making payments. In fact, Canadians are carrying record household debt of $2.6 trillion, and most of that is from mortgages.

There is no question as well that homebuilding is trending down. The Liberal government likes to talk a big game about building housing and other infrastructure at speeds never before seen, but homebuilding has been trending down under Liberal governments over the last 11 years, including under the current Prime Minister. From spring to fall last year, 26% fewer permits were issued to build homes. This is a dramatic decrease, showing that the government's policies are continuing not only to not address the issue but also to make the issue even worse.

We see it right across the country in the headlines. I would like to look at a few headlines from the real estate section in The Globe and Mail today. I will point out that The Globe and Mail is not necessarily known for its street cred as a Conservative newspaper. Nonetheless, we see, “Townhouse seller in Bolton accepts bid $24,000 under asking”. There is also “Five bidders vie for semi-detached in [Toronto]” and “Buyer waits for Calgary condo price to come within range”.

These are just a few headlines from today's paper. We see this over and over, week after week, right across the country. The Liberals have created a housing market where buyers cannot buy, sellers cannot sell and builders cannot build.

How does that look locally? Of course, what is going on in northwestern Ontario is not likely to be captured in a national newspaper, unfortunately, but in northwestern Ontario, the city I live in, Kenora, currently has a shortage of 1,620 units, and that deficit is projected to grow to 2,500 units by 2031 as population grows and service demands increase. This has led to rising rents and home prices, of course.

Businesses and organizations are also reporting difficulties attracting workers to the region and retaining them, due to the lack of housing and rental options. Many business owners are looking into buying houses that would be owned by the business, strictly for their workers to live in, because there is no other way of bringing workers to the region or keeping them there.

In northwestern Ontario, in Red Lake, I was speaking with the mayor last night, and he told me that the community must build at least 40 new homes over the next decade, with an expected population increase of 1,900. That population increase they are expecting is good news. It comes from new mining developments in the region and job growth, with 1,000 jobs at the Kinross Great Bear project. First Mining Gold is bringing in 600 jobs, and Frontier Lithium is bringing over 700 jobs. In addition, there is an expansion of the current Evolution Mining operation by 300 people. West Red Lake Gold Mines is also looking to hire another 200 people.

These are just a couple of local examples of the massive gap in housing that exists, but in northwestern Ontario, I think we can see some of the solutions to the housing crisis, namely the land we have. There is a lot of land in northwestern Ontario, and indeed, a lot of land right across the country. Much of it is either vacant land or properties that can be used for housing development. I would include in that the underused and, quite frankly, deteriorating Health Canada-owned properties in Sioux Lookout. I implore the government, once again, to release these properties for housing development to help address the massive gap in housing that we see in the community of Sioux Lookout. It is a hub of the north and a service centre for many remote first nations.

We see it in Ear Falls as well. Ear Falls is an interesting community. It is about 336 square kilometres and has a population of less than 1,000. There is a lot of space to build in Ear Falls. There is nothing but space. In fact, there are even many lots that are serviced for housing development in Ear Falls. They are ready to go. Residents in Ear Falls are hoping as well to capitalize on some of the mining activity that we are seeing in the Red Lake and Ear Falls region, but they need to be able to build the houses to make that happen.

I would note as well that the government is always talking a big game when it comes to first nations but not following through. That is certainly the case when it comes to housing in first nations. We have seen a number of reports, whether on housing, drinking water or other critical infrastructure, where the government is spending a lot of money, making a lot of announcements and creating a lot of programs, but the results are not changing. Life is not improving in the communities. I am proud to represent 38 first nations across Treaties 3, 5 and 9, and each of these communities has their own unique housing challenges.

We have seen reports from the Auditor General, which have repeated that the government is failing when it comes to first nations housing. The Auditor General has pointed out that, despite massively increasing spending, as I mentioned, the Liberals are not meeting their obligations. In fact, homes are being built without being up to code. The prices are skyrocketing because of red tape and a lack of competition in the builders that are available to build these homes. However, instead of addressing these concerns, the Liberal government just keeps throwing money at the issue, and not just in first nations but right across the country. The Liberals are creating more bureaucracy, and communities are not receiving adequate housing as a result.

When we look at the Liberal approach overall over the last 10 years, they have failed to recognize that housing is a crisis of their own policies and of their own making. Under their watch, housing prices have doubled, and many young Canadians have given up completely on their dream of home ownership. The Liberals have now admitted that it is a crisis, but their answer is only to create another multi-billion dollar housing bureaucracy, their fourth housing bureaucracy, which is only going to construct 1% of the promised homes they need. They promised 500,000 per year, and in reality, housing starts are expected to fall to just 212,000 per year by 2028.

However, Conservatives have a solution. We do not support adding more bureaucratic red tape to the housing sector. That is why we would cut the GST on new homes under $1.3 million, which would save families up to $65,000 and unleash new buildings. We would tie federal infrastructure dollars to homebuilding, ensuring that municipalities must permit at least 15% or more for homebuilding each year. We would cut development charges by 50%, something the Liberals have promised but have failed or refused to do after being elected. We would also end the capital gains tax on reinvestments in the country's homebuilding sector.

It is clear that only Conservatives have a plan to restore the Canadian promise of home ownership by axing bureaucracy and taxes on homebuilding, requiring municipalities to issue more permits and letting builders build the homes we need.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1:10 p.m.

Liberal

Dominique O'Rourke Liberal Guelph, ON

Mr. Speaker, allow me first to correct an error I made in my remarks earlier. Tuesday is my 25th wedding anniversary, not my 20th, and my husband let me know immediately when I left the chamber. I wish a happy anniversary to Mike.

To the member opposite, we agree that we need to see housing prices come down. We have had a housing bubble since the 1980s, so when we are seeing homes selling under their asking price when we increase the supply, that is the housing bubble starting to deflate. When we increase housing, we create competition, both with new homes and the ones for resale.

I am just curious about development charges. I was a city councillor for six years. I wonder if the member opposite knows that if we cut development charges, and he voted against supporting infrastructure, that is a direct download of the cost of infrastructure to the property taxpayer.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1:15 p.m.

Conservative

Eric Melillo Conservative Kenora—Kiiwetinoong, ON

Mr. Speaker, I would simply remind the member that she ran on a platform to cut development charges. This is something the Liberal government promised it was going to do in the election campaign and, after being elected, has completely walked away from. It is one of many solutions I have laid out, solutions to address the Liberal-made housing crisis. We know that housing prices have doubled since they took office in 2015. It has priced many young Canadians completely out of home ownership altogether.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1:15 p.m.

Bloc

Yves Perron Bloc Berthier—Maskinongé, QC

Mr. Speaker, I want to reassure my colleague's husband. If 25 years have felt like 20 to her, that is a good sign for their relationship. It means that time is flying by.

On a more serious note, I have a question for my Conservative colleague. I would like him to comment on the fact that the government is creating a new centralizing structure that will incur administrative costs, among other things, rather than transferring the money to the provinces, which have jurisdiction over housing.

I would like my colleague to comment on that. Does he agree with that?

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1:15 p.m.

Conservative

Eric Melillo Conservative Kenora—Kiiwetinoong, ON

Mr. Speaker, I certainly agree with the premise that the government is creating another Ottawa-knows-best bureaucracy that is not going to be effective. I would submit to the member that we should look at ways of incentivizing the provinces and the municipalities to get more homes built. That is part of what I mentioned in my remarks, tying infrastructure dollars that municipalities receive to homebuilding permits. This would ensure that we are not just giving a blank cheque and expecting that something is going to happen with that, and that these dollars are going toward houses being built, doing everything we can as a federal partner to work with municipalities and provinces, and doing all we can to incentivize that development.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1:15 p.m.

Conservative

Kevin Waugh Conservative Saskatoon South, SK

Mr. Speaker, my hon. colleague brought up a number of good points. Right now, in northwest Ontario, the mining companies desperately need people. Bill C-20 seems to be another bureaucracy by the Liberal Party and the government, and it is just going to hold that whole northwest part of Ontario back. How can we hire people when we do not have housing? I want to ask the hon. member about that.

I have a similar situation in Saskatchewan. They have these big plans but no housing. When we do not have housing, we do not have companies willing to build.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1:15 p.m.

Conservative

Eric Melillo Conservative Kenora—Kiiwetinoong, ON

Mr. Speaker, the hon. member is absolutely right. As I mentioned, this is something we see across northwestern Ontario and many regions of the country, including in Saskatchewan. There is a lot of opportunity for development. Northern Ontario has what the world needs in terms of critical minerals. There are many opportunities for that, but we need the housing to be able to house the workers. It is a very simple concept. We see it in major development. The Liberals talk about self-reliance and getting things built here in Canada. They need to start with housing in northern Ontario if we are going to see that reality.

Build Canada Homes ActGovernment Orders

March 13th, 2026 / 1:15 p.m.

Conservative

Jeff Kibble Conservative Cowichan—Malahat—Langford, BC

Mr. Speaker, I am honoured to rise today on behalf of the great people of Cowichan—Malahat—Langford on Vancouver Island to discuss Bill C-20, the Build Canada Homes act.

Simply put, Vancouver Island, and indeed Canada, is in a housing crisis. There is an entire generation being priced out of home ownership, and far too many, including young Canadians, have lost the hope of ever owning a home. This crisis will not solve itself, and it is the job of the government to take action to fix it.

Last week, I held a round table in Langford specifically to discuss housing with my colleague from Parry Sound—Muskoka, the shadow minister of housing. We spoke to builders, developers, mayors and other local industry leaders to discuss the challenges they are facing, along with possible solutions, to get homes built. They all said the same thing: Extraneous regulations, long and unpredictable approval periods, expensive taxes and the rising cost of materials and services are killing the industry. Companies like Viking Properties, a small developer on Vancouver Island that has successfully built over 400 housing units in the Langford area, including 250 units since 2019, told us about increased fees, development cost charges and the long wait times they face to get permits approved. These all add significant costs to their projects and are holding them back from building at a faster pace. These are costs, by the way, that all end up being passed on to the buyer.

These are the real problems that are slowing homebuilding in Canada and making housing unaffordable for an entire generation. Compounded delays and skyrocketing costs have created a cycle where buyers cannot afford to buy, sellers cannot afford to sell and builders cannot afford to build. We see this in crumbling housing starts across Canada.

This brings me to Bill C-20. The Build Canada Homes agency, or bureaucracy, will be the third housing agency created in the last 10 years and the fourth housing bureaucracy, none of which have succeeded so far. The definition of insanity is doing the same thing over and over and expecting different results, yet here we are, doing the same thing again. Canadians, frankly, deserve better.

Building enough homes to meet the demands of a growing population is the only way to make housing affordable again. Canada Mortgage and Housing Corporation has said we need to reach a target of 430,000 to 500,000 homes built per year for the next 10 years to meet this demand. Originally, the government promised this new housing agency would build 500,000 homes per year. That was promising, yes, but it was just a promise. So far, it has not delivered.

In fact, the Parliamentary Budget Officer has reported that the Build Canada Homes agency will build only approximately 5,200 homes per year. That is only 1% of the original promise, 1% of the targeted amount needed to make housing affordable for Canadians again. This simply is not enough. This will not solve the crisis we find ourselves in, so we must rely on our private developers and builders who have the proven skills, ingenuity and fortitude to get this done. To do that, we must address the challenges they are facing so that they can build. Builders across Canada share the same message. They need less government involvement, fewer taxes and quicker, predictable approval times. We need to cut red tape so homes can be built effectively. What we do not need is a fourth remix of the same song.

The last 10 years have proven that adding processes does not fix the problem. Instead, it adds another layer of reviews, which take time, which leads to delays, which lead to added costs, which lead to higher sale prices. Another government agency is not the answer to the crisis. Under its current mandate, Build Canada Homes will not change zoning laws, eliminate discretionary rezoning, impose firm timelines on reviews, reduce development charges or remove environmental duplication charges, so it will not build enough homes to meet the necessary targets or address any real challenges the industry is facing. Not only does this new agency not address these challenges, but it does not address the root cause of the crisis. We cannot build homes fast enough to keep up with our growing population.

Conservatives have put forward alternative solutions that would target some of the industry challenges head-on. One is cutting the GST on all new homes under $1.3 million, which would save families up to $65,000 on new homes, making these builds more affordable. Another is, importantly, tying federal infrastructure dollars to homebuilding, which would encourage municipalities to permit more homebuilding each year with a target of 15% more.

We have suggested cutting development cost charges by 50%. This was a campaign promise by the government last year, but I am sad to see that it has not followed through. We would also like to see the removal of capital gains tax on reinvestment in new housing in Canada, which would unlock billions of dollars of investments in the country's homebuilding sector.

These are solutions that tackle the real problems the industry is facing and put the power back into the hands of Canada's home builders. I encourage my colleagues across the way to seriously consider these solutions so we can reach the goal I believe we all share, which is making housing affordable to Canadians.

Yesterday in the House, the Minister of Housing told Canadians the reason housing prices are so high is the war in Iran. This is a ridiculous statement to make for a multitude of reasons, none more so than the fact that we know the housing affordability crisis did not start a few weeks ago. It has been years in the making, indeed 11 years in the making, I would suggest.

My colleagues across the way keep telling us to focus on what we control, so I urge the minister to take that advice. Let us focus on the issues that truly burden the industry: too much government involvement, long wait periods, taxes. These are all the things that destroyed the housing economy in Vancouver when the minister was the mayor there. I spoke about insanity before. Here it is again. More of the bureaucracy, rules and regulations that caused costs to skyrocket in Vancouver when he was the mayor are now imposed on all of Canada under his leadership, and it has been a year.

The minister knows his grand plan is not working. His big announcements and promises of building at speeds never seen before, catalyzing the housing industry and 500,000 homes per year have gotten us nowhere. Instead of taking responsibility and focusing on positive solutions, the minister has decided to lay blame elsewhere. This is why my Conservative colleagues have put forward a plan, and I have reiterated it in my speech today. Canadians know the reality of the crisis they face, so I challenge my colleagues opposite to look at the reality of the last year of promises and slogans and compare it to the results, compare it to the reality. We have collapsing housing starts. Prices remain unaffordable. Despite lowering, they remain unaffordable to those who have lost jobs, are having their wages cut and are struggling just to pay for everyday costs. The supply levels are plummeting.

Conservatives have put forward a plan to unleash our trades, our investors, our workers and our resources so we can build homes quickly. Build Canada Homes will not remove those barriers. It only creates a massive new one. It does not solve the issue of delays. Therefore, it does not solve the issue of costs. Sometimes, the best thing a government can do is simply to get out of the way. I call on all my colleagues in the House. Let us work together to have homes built by builders, not bureaucracy.