Madam Speaker, my colleague does excellent work in this place and in the finance committee. I appreciate his drawing attention to the issues with home ownership. This is something that I hear about often in my constituency.
It is an interesting perception that, in some cases, government policy is aimed at making home ownership harder to access, with things like the stress test that was piled on. The perception, certainly in my constituency, was that these policies were not taking into consideration the reality of the real estate market in most of the country, but they were responding only to specific situations in specific regions. At the same time, there was another policy brought in that, as the member has pointed out, does not deal with the reality in those same places.
It is striking that we have, on the one hand, policies that are aimed at making home ownership harder, and in other cases, policies that purportedly make accessing home ownership easier. There is a contradiction in the objectives, never mind the policy.
I wonder if the member can comment on what we should make of this incongruity between policies like the stress test, which are making home ownership more inaccessible, and claims that other policies are going to make home ownership more accessible.