5 Questions for Change is a monthly feature that brings you insights from the people at CCHR working on the frontlines every day to advance the right to housing.
This month, we are talking to Ayesha Adamjee, Manager of Education and Community Initiatives
1. What are two issues you see renters struggling with most right now?
Security of tenure is the first big issue I see tenants struggling with. I see so many tenants who live in constant fear of eviction, or who have been evicted, often multiple times. In many cases, tenants have done nothing to warrant an eviction. Rather landlords would like to increase the profit from their investment and will file evictions for own use or extensive renovations.
I’m also seeing more and more tenants who are exempt from the Residential Tenancies Act (RTA). This is usually when tenants share a kitchen or a bathroom with their landlord. I’ve had a few cases now where the landlord will learn about this exemption and make the unit look like it’s RTA-exempt.
2. What are the most common questions or myths you hear from renters and service providers?
The most common myth I see by far is that all lease clauses are valid. For example, many leases will include a clause that says that tenants are responsible for maintenance, or for putting a certain amount of money towards maintenance. I’ve seen leases that require tenants to move out at the end of the lease term, that says they’re not allowed guests or pets, and it’s important for tenants to know that you can’t “contract out” of your rights. This means that if your lease has a clause that conflicts with the law, it is invalid and unenforceable.
3. What is one resource, either from CCHR or other sources, you find yourself referring people to most often – and why?
I almost always have the Steps to Justice resources and guided pathways open. They are absolutely invaluable in helping tenants understand and enforce their rights. In today’s housing crisis, where most legal professionals are prioritizing evictions, the guided pathways are especially useful in making tenant applications accessible to tenants who can’t afford to hire a legal representative.
4. If you could offer one piece of advice to renters across the country, what would it be?
Learn about your rights and share them with your community! So many landlords exploit tenants who don’t know their legal rights, or who are isolated from their communities. Since they control your housing, landlords are in a position of power over you. Knowledge is power and you are always going to be stronger together. My best advice is to get as organized and as educated as possible.
5. What drives you to do the work you do at CCHR?
We’ve all said that housing is a human right, and that everyone needs a safe place to call home. But housing for me goes so far beyond just someone’s home. Everything in a person’s life is completely dependent upon the adequacy of your housing. It’s impossible to be happy and healthy without a safe and well-maintained house. You can’t be expected to maintain a job if you don’t have a place to go home to at the end of the day. When your rent is too expensive, it’s hard to afford groceries, gas or leisure activities. Without adequate and affordable housing, a person’s whole life falls apart. So to me, there is nothing more important than helping our community stay safely and securely housed.
Note: The information provided in this message is legal information only. It is not legal advice and is not a substitute for legal advice. If you require legal advice, please contact CCHR’s Legal Services team, a lawyer, or your local community Legal Aid clinic.
5 Questions for Change is a monthly feature that brings you insights from the people at CCHR working on the frontlines every day to advance the right to housing.
This month, we are talking to Victoria Wan, a Lawyer from our Client Services team.
1. What are two issues you see renters struggling with most right now?
The two most common issues I see right now are Above Guideline Increase (AGI) applications and maintenance issues. I talk to tenants in Toronto due to our legal services program, but I know these two issues are common throughout Ontario.
AGI applications are based on circumstances where a landlord can apply to the Landlord and Tenant Board (LTB) to raise the rent above the guideline amount. Each year, the Ontario government sets a “rent increase guideline”, which is the percentage that a landlord is allowed to increase the rent for rent-controlled units. Rent-controlled units are defined by the Residential Tenancies Act.
Maintenance issues within the rental unit or in the building are very common as well, especially for older buildings in Toronto and in Ontario. Always document and write to your landlord when you have a complaint about a maintenance issue. If the landlord is not responding, contact the Property Standards for your municipality, which is usually the phone number 311.
2. Is there a recent case or experience that stayed with you and what did it reveal about renters’ realities?
In our current economic reality, an extreme rent increase is very difficult for renters. As I mentioned above regarding rent-controlled units, there are more and more rental units that do not have rent control. Rental units that are not rent controlled include new buildings, additions to existing buildings, and most new basement apartments that are occupied for the first time for residential purposes after November 15, 2018.
I worked on a case that involved an extremely high rent increase of $600 in one year, on top of a current monthly rent of $3,000. Because the rental home was newly constructed and rented for the first time around 2021, the landlord is legally permitted to increase the rent to any amount. Despite attempts to negotiate with the landlord, the landlord was not willing to permit a lower increase amount.
The problem is with the rent decontrol laws set by the Ontario government in 2018. If you disagree with these rent decontrol laws, talk to your Ontario Member of Provincial Parliament.
3. When you represent tenants at the LTB, what’s the most common misconception you encounter- either from renters or landlords?
When I represent tenants at the Landlord and Tenant Board, a common misconception that I see from landlords or their representatives are that tenants are trying to be “annoying” to landlords and their representatives. Standing up for your legal rights as a tenant is not “annoying.” Being able to know and enforce your tenant rights is part of advancing the human right to housing in Canada. We live in a real world, where there are real human beings and families struggle to pay rent and afford food for themselves and their family. Learn more about CCHR’s work on the right to housing in Canada here.
4. If you could offer one piece of advice to renters across the country, what would it be?
Learn your rights as a tenant in your province. Seek free legal advice on tenant rights where you can get it. Read the municipal and provincial websites with the summaries on your rights as a tenant. CCHR has a resource for renters facing eviction for each province and territory in Canada here: Resources for renters facing eviction – Canadian Centre for Housing Rights.
If you are lucky to have secure and safe housing, try to support other tenants who are facing difficult challenges.
5. What drives you to do the work you do at CCHR?
I really do admire and appreciate my coworkers at CCHR, and I am inspired by the work they do to advance good housing policies and recommendations at every level of government. I am also driven by supporting affordable housing, and learning and working to find better solutions for renters in Ontario, and across the country. I hope to help in advancing the work for every Canadian to know that housing is a human right recognized by the United Nations.
Note: The information provided in this message is legal information only. It is not legal advice and is not a substitute for legal advice. If you require legal advice, please contact CCHR’s Legal Services team, a lawyer, or your local community Legal Aid clinic.
5 Questions for Change is a monthly feature that brings you insights from the people at CCHR working on the frontlines every day to advance the right to housing.
This month, we are talking to Rose Vandermeer, Senior Engagement and Education Advisor.
On November 24, 2025, Bill 60 was passed in Ontario, changing 16 laws, including the Residential Tenancies Act (RTA). The changes made to the RTA apply only to applications made after Bill 60 comes into force. As of December 18, 2025, the changes to the RTA were not yet in effect.
The following highlights some, but not all, of the expected changes under Bill 60.
When your landlord claims you owe rent, there is a “grace period” of 14 days during which a landlord cannot file to evict you. Under Bill 60, it is shortened to 7 days. This means that if your landlord gives you an N4 form for non-payment of rent, you have only 7 days to pay before an eviction application can be filed with the Landlord and Tenant Board (LTB).
During your eviction hearing for unpaid rent, you can raise issues that you could have included in your own application to the LTB, such as if your landlord has failed to do maintenance. However, under Bill 60, you must pay 50% of the money your landlord claims you owe before the hearing to be allowed to raise these issues.
When you or your landlord disagree with an LTB order, you have 30 days to request that the LTB review their decision. Under Bill 60, requests to review must be submitted within 15 days of the decision or order. However, if the LTB considers it “just and appropriate in the circumstances to extend the time to request the review,” the LTB still has the power to give more time.
If your landlord gave you an N12 notice because they or their family need the unit to live in, they had to pay you one month’s rent as compensation, regardless of how much notice they gave. Under Bill 60, if the termination date on the N12 notice is at least 120 days after the notice is given, your landlord does not have to pay this compensation.
While other changes may come in the future, importantly, the following two protections still apply:
Your rent can only be increased once every 12 months with 90 days’ notice. For properties first occupied before November 15, 2018, your landlord is not allowed to increase the rent more than the province’s annual guideline amount unless they apply for an Above the Guideline Increase.
Tenancies still automatically continue month to month once the initial lease period ends. This means once the lease period ends, you are not required to move out or renew the lease, and your original lease terms continue.
For more information about your rights under Bill 60, please contact our tenant services team.
5 Questions for Change is a monthly feature that brings you insights from the people at CCHR working on the frontlines every day to advance the right to housing.
This month, we are talking to Julie Matheson, a Lawyer from our Client Services team.
This resource gives tenants in Ontario essential information on their rights under Bill 60, including expected changes and protections that remain in place.
November 22, 2025, marks the 25th anniversary of National Housing Day. Just as Labour Day is an opportunity to reflect on the achievements of the labour movement and continue fighting for workers’ rights, National Housing Day is a day to recognize housing as a fundamental human right and take action to ensure everyone has a safe, secure, and affordable place to call home.
Over the past year, we have seen some important progress on the right to housing across the country, alongside some deeply concerning backsliding. Below, we highlight key right to housing wins, misses, and opportunities ahead. You can also find information about National Housing Day events in your region to join the movement to continue pushing for concrete action to end housing need and homelessness.
Across the country, a few provincial and territorial governments took some promising steps to expand rent regulation, while ongoing opportunities remain to close loopholes and ensure renters have secure, affordable homes for the long term:
In other jurisdictions, opposition parties are planning or introduced private members’ bills calling for stronger rent regulation, where rent regulation is weak and/or contains loopholes – for example, in Nova Scotia, Ontario, and Quebec – or where rent regulation does not exist at all – for example, in Saskatchewan. See CCHR’s commentary on the importance of strong rent regulation to protect renters in Saskatchewan, Alberta, and across the country.
In addition to launching its new homelessness strategy, Manitoba also took important steps to protect some of its community housing stock and require landlords to cover costs for renters forced to leave their homes due to health or safety issues. See CCHR’s deputation to the Manitoba Standing Committee on Legislative Affairs on the importance of ensuring landlords fulfill their obligations to provide safe and habitable homes for renters.
Across the country, some jurisdictions either reduced or failed to ensure equitable access to community housing for those in greatest need:
Following a year of both progress and backsliding on the right to housing across the country, we look forward to upcoming opportunities to centre housing as a human right in the national discourse and in law and policy at all levels of government, through ongoing research, policy advocacy, law reform, and community engagement and mobilization.
Later this year, Neha, the National Housing Council review panel on the right to housing for women, Two Spirit, Trans, and gender-diverse people, will release recommendations for the federal government to uphold this right, following engagement with people with lived experience, housing rights organizations, and experts on human rights, housing, and social inequality. See CCHR’s recommendations, where we outline the impact of intersectional factors on housing security, gendered experiences of homelessness, Canada’s duty and failure to uphold the right to housing for women and gender-diverse people, and key principles and actions to realize this right.
On June 12, 2025, the Federal Housing Advocate called for the National Housing Council to launch its next review panel to examine the lack of accessible housing across Canada, in light of the disproportionate rates of housing need and homelessness among people with disabilities. CCHR looks forward to engaging in this review panel and helping advance the right to housing for people with disabilities, drawing on our ongoing policy and research work in this area.
As we highlight in our analysis of the 2025 federal budget, attaching conditions for provinces and territories to access federal funding is critical to ensure an effective, coordinated approach to ending homelessness and housing need. The federal government exercised this power by using the Canada Housing Infrastructure Fund as an incentive for provinces and territories to adopt elements of the Renters’ Bill of Rights. It also introduced a new Build Communities Strong Fund that has the potential to take a similar approach.
Building on our advocacy to date, we continue to call for the federal government to strengthen the Renters’ Bill of Rights and ensure that provinces and territories commit to implementing strong renter protections in order to access federal funding, including long-term affordability, security, and other critical protections for renters. At the same time, we look forward to ongoing work with provinces and territories to strengthen renter protections across the country – both in policy and in practice.
As noted above, CCHR was proud to join coalitions of advocates, researchers, and lived experts across various sectors – including housing, homelessness, health care, drug policy, disability justice, human rights, settlement, migrant justice, public transit, and more – to push back against harmful laws in Ontario. We are also active members of Right to Housing Toronto, Right to Housing Manitoba, National Right to Housing Network, and other community, legal, and research networks, where we work with partners across the country to advance the right to housing.
Looking ahead to 2026, we will continue building and engaging with coalitions to drive collective advocacy and action to end homelessness and housing need.
To mark National Housing Day, we’re launching 5 Questions for Change, a monthly feature that brings you insights from the people at CCHR working on the frontlines every day to advance the right to housing.
This month, we’re talking with Brightson Okenwa, Senior Legal Education Specialist.
On November 4, 2025, the federal government tabled Budget 2025: Canada Strong, the first budget under Prime Minister Mark Carney. The budget comes at a time of rising housing insecurity and homelessness, widening income inequality, and job and income loss across the country. At the centre of these intersecting crises are renters and people experiencing homelessness.
While Budget 2025 includes some important, previously announced commitments toward affordable housing development, significant gaps remain that must be filled to meet the current moment. Of critical concern, the budget does not include:
The budget also reinforces damaging stereotypes about immigration as a driver of the housing crisis, while failing to recognize the key role that the financialization of housing has played in driving up prices, increasing housing insecurity and homelessness, and further marginalizing equity-deserving communities.
Below, we outline what’s missing from Budget 2025 and opportunities for the federal government to make meaningful progress on ending homelessness and housing need, reflecting our pre-budget recommendations.
Previously announced in September 2025, Build Canada Homes is the cornerstone housing commitment in the budget and commits $13 billion over five years to primarily support the development of non-market housing. While these are important commitments, the budget does not allocate any new funding for Build Canada Homes or any other affordable or supportive housing initiatives that would help address the housing and homelessness crisis. Moreover, the budget does not include targets, timelines, or requirements for Build Canada Homes related to affordability, renter protections, and the needs of equity-deserving communities. As such, it fails to demonstrate how Build Canada Homes will achieve its goals of restoring affordability and reducing homelessness. Instead, it continues the pattern of previous budgets in failing to prioritize and maximize investments in the deeply affordable housing needed to address the current crisis.
A recent report from the Federal Housing Advocate shows the need to build or acquire a minimum of 200,000 non-market homes per year over the next 30 years to address housing need and homelessness. Recent research from Maytree shows this could be achieved through a $40 billion annual federal investment. This contrasts dramatically with the $13 billion investment and less than 5,000 homes announced to date through Build Canada Homes (only some of which are targeted for those in greatest need).
Following a recent CMHC report, the budget defines housing affordability based on 2019 levels, when households spent roughly 40-45 per cent of their income on housing. This is much higher than the widely accepted 30 per cent affordability standard. To meet this threshold, the budget commits to double homebuilding over the next decade, but it does not set any targets for affordability, housing types or renter protections.
This logic relies on the assumption that new housing supply alone will increase affordability, yet the evidence shows this is not the case. For example, despite a historic increase in rental housing development last year, a recent CMHC report found that new units were too expensive for low- and moderate-income renters, and the increase in supply did little to improve affordability.
To meaningfully address the housing and homelessness crisis, new housing supply must be targeted to those in greatest need. According to data from the Housing Assessment Resource Tools (HART), nearly 20 per cent of households in Canada earn 50 per cent or less of the median household income in their area and can afford to spend a maximum of $1,050 on housing costs each month. It is thus critical for new housing supply to have clear and long-term affordability requirements and be paired with provisions for strong renter protections to meet the needs of those most impacted by the crisis. At the same time, existing affordable housing – and the people who live there – must be protected against excessive rent increases, demolitions, and conversions through robust acquisition programs (including deeper investments in the Canada Rental Protection Fund) and strong renter protections.
The budget commits $51 billion over 10 years in new and existing funding to launch a Build Communities Strong Fund, which includes funding for provinces and territories to build the infrastructure needed for housing such as roads, water, and wastewater systems. To access this new funding, provinces and territories must cost-match federal funding, reduce development charges, and refrain from introducing new taxes related to housing development. However, the budget does not indicate any requirements for this new funding related to building affordable housing, protecting renters, or meeting the needs of equity-deserving communities.
Attaching conditions for provinces and territories to access federal funding is a key lever at the federal government’s disposal to help align housing policies and programs across levels of government and ensure a coordinated approach to ending homelessness and housing need. The federal government previously exercised this power by using the Canada Housing Infrastructure Fund as an incentive for provinces and territories to adopt elements of the Renters’ Bill of Rights.
While most Canada Housing Infrastructure Fund agreements have now been signed, we have yet to see commitments from the provinces and territories related to renter protections outlined in the Renters’ Bill of Rights. Moreover, despite including important measures that aim to improve renter protections, the Renters’ Bill of Rights also omits some key provisions, including clear guidelines around rent regulation and eviction prevention.
The Build Communities Strong Fund includes funding previously committed through the Canada Housing Infrastructure Fund. As such, strong renter protections, clear and long-term affordability requirements, and commitments to meet the housing needs of equity-deserving communities must be central conditions of funding agreements between the federal government and the provinces and territories.
The budget commits some dedicated funding for communities disproportionately impacted by the housing and homelessness crisis, including:
While these are important commitments that could help address the housing needs of Indigenous people, women, and gender diverse people, the budget still falls short of providing enough funding or setting clear targets for housing projects that meet the needs of these and other equity-deserving communities who face disproportionate rates of housing need and homelessness, including people with disabilities, Black and other racialized people, seniors, youth, immigrants, refugees, people living in rural and remote communities, and people experiencing homelessness. For example, Indigenous housing leaders have called for investments to quadruple the supply of Indigenous-led community housing, with estimates ranging from $4.3 billion to $5.6 billion per year over 10 years to meet needs of urban, rural, and northern Indigenous communities.
Moreover, the budget fails to provide opportunities for engagement with people with lived experience of housing precarity and homelessness to support the development, implementation, and evaluation of the government’s housing policies and programs – a key element of a human rights-based approach.
Budget 2025 also commits to increasing the Canada Mortgage Bond annual issuance limit from $60 billion to $80 billion for multi-unit housing development. This commitment aligns with other government policies that continue to fuel the financialization of housing by treating housing as a commodity rather than a human right. This includes tax loopholes, low interest borrowing, and inadequate regulation that incentivize financial actors to purchase rental housing for the sole purpose of maximizing profits for investors, rather than providing safe, secure, and affordable homes for renters. This leads to excessive rent increases, displacement, and evictions, with disproportionate impacts on equity-deserving communities.
At the same time, governments at all levels continue to rely heavily on the private sector to build new housing, which has failed to produce housing that is affordable to lower income households. While there is some promise in Build Canada Homes’ focus on growing the community housing sector, the budget continues the government’s misguided approach of centralizing the private sector in its housing plans and policies.
With few new investments, meagre mention of renters, and no targets to end housing need and homelessness, Budget 2025 fails to meet the current moment. Alongside our sector partners, we continue to urge the federal government to adopt evidence- and rights-based solutions to the housing and homelessness crisis. As we outlined in our pre-budget submission, this includes:
On September 14, 2025, the federal government launched Build Canada Homes, a new agency responsible for affordable housing development across the country. Build Canada Homes aims to work with all levels of government, Indigenous, private, and non-profit partners to scale up the supply of affordable housing. It aims to coordinate federal leadership, provide financing and support construction innovation. The agency intends to primarily focus on supporting the growth of the non-market, community housing sector, including Indigenous, non-profit, co-operative, and public housing, with the goal of doubling housing construction, restoring affordability, and reducing homelessness.
To begin, Build Canada Homes is investing $13 billion alongside access to federal lands, with four initial priority projects:
Below, we outline our areas of support and opportunities for improvement to ensure Build Canada Homes can help make meaningful progress on ending homelessness and housing need, reflecting our recent recommendations to the Build Canada Homes consultation.
After decades of government withdrawal from affordable housing, we welcome renewed federal leadership in affordable housing through Build Canada Homes. In particular, it is promising that Build Canada Homes aims to focus specifically on growing the supply of non-market, community housing, including through initial investments in transitional and supportive housing projects to help address and prevent homelessness. This responds directly to our recommendation and calls from across the housing sector to prioritize and maximize investments in the community housing sector.
Canada’s current stock of community housing makes up only 3.5 per cent of our overall housing stock. This represents half of the Organisation for Economic Co-operation and Development (OECD) average and is far below the recommended level of 20 per cent needed to tackle the housing and homelessness crisis. In the absence of a profit motive, the community housing sector can deliver housing that is affordable for the long-term and accessible to low-income and other marginalized households, with proven social and economic benefits. While it is encouraging to see Build Canada Homes’ focus on non-market, community housing, it will be critical to ensure that community housing providers play a lead role in housing delivery to help rebalance the supply of affordable housing across the country and ensure homes are genuinely affordable for those in greatest need.
We also strongly support the incorporation of the Canada Rental Protection Fund into Build Canada Homes. This signals the government’s recognition of the importance of not only building new affordable housing, but protecting the existing stock of affordable housing, and the people who live there. This also responds directly to our recommendation to help preserve affordability and protect tenancies by supporting community housing providers to acquire private rental buildings.
Currently, we are losing affordable housing faster than we can build it, due to excessive rent increases, demolitions, and conversions. Estimates show that for every home built under government-funded programs, Canada loses 11 affordable rental homes. At the same time, new data shows that 28 per cent of people who have experienced homelessness have also experienced eviction, with disproportionate impacts on Indigenous, Black, and other racialized groups and significant physical and mental health implications. Moreover, evictions are increasingly due to landlord factors or renters’ inability to pay ever increasing rents, while homelessness rates continue to rise at an alarming rate (with recent data showing a nearly 80 per cent increase in homelessness since 2022). This demonstrates the importance of preserving existing affordability and protecting renters from excessive rent increases and evictions, to help stem the loss of affordable housing and prevent growing rates of homelessness.
Finally, we are glad to see the focus on providing federal lands for affordable housing development, including through the incorporation of the Canada Lands Company into Build Canada Homes. This responds to our previous recommendations related to the Public Lands for Homes Plan.
Given high land costs, prioritizing public land for non-market, community housing can help accelerate affordable housing development and ensure it remains affordable in perpetuity. Ensuring equitable access for Indigenous-led housing projects is critical to help advance reconciliation recognizing the forced displacement and dispossession of Indigenous peoples from their lands and the resulting disproportionate rates of Indigenous homelessness and housing need.
While it is promising to see the government acting quickly to launch Build Canada Homes, with initial projects focused on affordable, supportive, and transitional housing, it remains to be seen how the government will achieve the scale necessary to tackle the housing and homelessness crisis. Further details are also needed around the role that the private sector will play in Build Canada Homes, especially considering governments’ ongoing over-reliance on the private sector, which has failed to produce housing that is affordable to those in greatest need and fueled the financialization of housing.
A recent report from the Federal Housing Advocate shows the need to build or acquire a minimum of 200,000 non-market homes per year over the next 30 years to address housing need and homelessness. This includes 100,000 deeply affordable housing units for people with low incomes (i.e., subsidized, rent-geared-to-income housing, including supportive and transitional housing). Recent research from Maytree shows this could be achieved through a $40 billion annual federal investment.
With an initial $13 billion investment and less than 5,000 units announced to date (only some of which are targeted for those in greatest need), Build Canada Homes will need to demonstrate how it will scale up its impact, both in terms of investments and delivery of deeply affordable housing. Moreover, it will need to enforce strict affordability requirements (in addition to requirements related to other elements of the right to housing, such as security of tenure) to ensure it is delivering housing that meets the needs of those most impacted by the housing and homelessness crisis over the long-term.
As part of Canada’s commitment to advance the right to housing under the National Housing Strategy Act and as a signatory to the International Covenant on Economic, Social and Cultural Rights, the government is required to eliminate homelessness and realize the right to adequate housing for all in the shortest possible time, using all appropriate means and the maximum of available resources. This means that Build Canada Homes must go beyond its general focus on restoring affordability and reducing homelessness to prioritize those in greatest housing need by setting clear human rights-based targets, timelines, monitoring, and reporting mechanisms to end homelessness and housing need as quickly as possible.
Reflecting our recommendations, Build Canada Homes should:
Build Canada Homes represents a generational shift and renewed focus on affordable housing development and preservation across the country, with some promising initial commitments. If implemented through a human rights-based approach, it could make a meaningful impact on ending and preventing homelessness and housing need and upholding the right to housing for all.
We look forward to further information on additional Build Canada Homes projects, priorities, and investments, including through the upcoming federal budget (expected on November 4, 2025). We will continue to work with sector partners to hold the government accountable to implementing evidence- and rights-based solutions to ensure everyone in Canada has access to a safe, secure, and affordable place to call home.
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