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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.

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.

Right to housing wins 

  • On October 1, 2025, the Union of British Columbia Municipalities (UBCM) passed a motion calling on the provincial government to formally legislate housing as a human right. This would help ensure the province has a clear, legal, rights-based framework to address its growing housing and homelessness crisis, following the federal government’s commitment to advance the right to housing in the 2019 National Housing Strategy Act. The UBCM motion followed nine successful municipal motions in spring 2025, and a similar resolution was passed by the Union of British Columbia Indian Chiefs Council in 2024.
  • On October 28, 2025, the Northwest Territories’ Standing Committee on Social Development released recommendations to the territory on implementing the right to housing through its laws and policies. The recommendations include establishing a Territorial Housing Advocate, amending the Residential Tenancies Act, ensuring evictions are treated as a last resort, increasing supportive and transitional housing options, improving access to legal aid for renters, and incentivizing affordable housing development, among others. See CCHR’s deputation to support the implementation of housing as a human right in the Northwest Territories.

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:

  • On February 1, 2025, New Brunswick introduced a new rent increase guideline, limiting rent increases to three per cent (with exceptions of up to nine per cent for major renovations). See CCHR’s recommendations and commentary on additional opportunities to improve renter protections in New Brunswick.
  • On April 30, 2025, Nova Scotia extended its temporary rent cap until December 31, 2027, limiting rent increases to five per cent. Meanwhile, advocates in Nova Scotia continue to call for stronger rent regulation in the province, including prohibiting the use of fixed-term leases.
  • On September 1, 2025, Yukon introduced a new rent increase guideline, tying rent increases to the consumer price index (with exceptions of up to three per cent above the guideline for up to three years for major renovations). Along with the guideline, Yukon introduced a new Residential Tenancies Act, which limits some no-fault evictions, prohibits the use of artificial intelligence to set rents, and clarifies the role of the Residential Tenancy Office. See CCHR’s recommendations to improve renter protections in Yukon.

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.

  • On January 14, 2025, Manitoba introduced a new plan to end chronic homelessness and created a new premier’s senior advisor on ending chronic homelessness to oversee the work. The province will coordinate efforts among non-profit organizations, Indigenous nations, and municipalities to move encampment residents into permanent housing, including by investing in new social housing with wraparound supports.
  • On September 16, 2025, New Brunswick launched a ministerial task force on homelessness, which aims to coordinate efforts to address homelessness across relevant provincial departments. The task force will focus initially on developing a provincial homelessness strategy and establishing a community advisory council. It will provide regular reports to cabinet, quarterly public updates on chronic homelessness, and an annual public report.
  • On September 14, 2025, the federal government launched Build Canada Homes, a new agency responsible for affordable housing development across the country. See CCHR’s submission and analysis, where we highlight how Build Canada Homes marks an important shift in the federal government’s approach to affordable housing development by focusing on growing the supply of community housing. However, we also urge the government to ensure Build Canada Homes prioritizes 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.
  • On October 22, 2025, Nunavut Tunngavik Inc. launched the Igluvut Corporation, a new Inuit-led non-profit housing corporation responsible for delivering and managing affordable housing in the territory. The Igluvut Corporation will administer $135 million of funding through the Inuit Housing Fund, with initial plans to build up to 160 affordable units over five years, alongside supportive housing, seniors housing, and shelters.

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.

Right to housing misses

  • On October 23, 2025, Ontario introduced a law that would accelerate evictions and reduce access to justice for renters. Following widespread advocacy, the government walked back initial plans to consult on introducing fixed term leases, which would have effectively eliminated rent control in the province. Nevertheless, the legislation still severely weakens security of tenure for renters and heavily favours landlords. See CCHR’s joint analysis and commentary, where we highlight how weakening renter protections will exacerbate the housing and homelessness crisis. CCHR also joined over 130 organizations calling for the province to repeal the law and for municipalities to advocate against it.

Across the country, some jurisdictions either reduced or failed to ensure equitable access to community housing for those in greatest need:

  • On May 15, 2025, Alberta introduced regulations to increase rents by 63 per cent for renters in community housing who receive provincial disability benefits. Advocates highlighted how this change will perpetuate poverty for people with disabilities and called for the policy to be reversed.
  • On June 30, 2025, British Columbia announced that it was considering removing supportive housing from the Residential Tenancy Act. The province established a working group composed of supportive housing providers, law enforcement, union representatives, and government to consider the change. Meanwhile, advocates expressed concern that this would reduce protections and increase evictions of supportive housing renters.
  • On July 9, 2025, Saskatchewan’s Opposition NDP revealed that approximately 12.5 per cent of the province’s community housing units were vacant, while housing insecurity and homelessness grows across the province. The NDP called for improved community housing maintenance and coordinated planning to fill the vacancies and address the housing and homelessness crisis.
  • In March 2025, the Auditor General of Prince Edward Island released a report evaluating the province’s Affordable Housing Development Program. The audit found that the program failed to increase affordable housing for those in greatest need, building just over one-quarter of the units planned under the program. The audit recommended that the government establish clear performance measures, improve data collection, and conduct regular program evaluations.
  • In May 2025, the Auditor General of Canada released a report showing that the Nunavut Housing Corporation failed to maintain and provide equitable access to community housing. The audit recommended that the Nunavut Housing Corporation improve monitoring of its housing allocations, ensure units are well-maintained, and provide equitable access to units that meet the needs of seniors and people with disabilities.
  • In June 2025, the Auditor General of New Brunswick released a report evaluating the province’s housing strategy. The audit found that the New Brunswick Housing Corporation failed to provide timely maintenance and repairs, inspections, and adequate funding. The audit recommended that the New Brunswick Housing Corporation improve maintenance, inspections, and turnaround times for vacant units.
  • In addition to extending its rent cap in April 2025, Nova Scotia also introduced new provisions that allow landlords to issue an eviction notice if a rent payment is late by three days. Renters now have 10 days to pay the rent or dispute the eviction. Previously, landlords were required to wait 15 days to issue an eviction notice for non-payment of rent, and renters would have another 15 days to pay the rent or dispute the eviction. This change significantly reduces renters’ ability to maintain their housing and expedites the eviction process.
  • In April 2025, Quebec introduced a new formula to calculate rent increases. Following an earlier proposal that also included net income, operating expenses, and service in the calculations, the new formula is based on the consumer price index, municipal and school taxes, insurance costs, and capital expenditures. Renter advocates warned the change favours landlords, arguing rent hikes are now tied to inflation and renovation potential, while interest rates and renovation costs are too volatile and complex to ensure predictability for renters.

Looking ahead 

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.

National Housing Day events

  • Virtual: on November 20, join the Rural Development Network for its event focused on innovative, affordable, and community-led housing solutions across both rural and non-rural contexts in Canada. 
  • Toronto, Ontario: on November 22, join tenants from across Ontario to march to Queens Park and rally against Bill 60, organized by York South-Weston Tenants, No Demovictions, ACORN Ontario, and the Encampment Justice Coalition. 
  • Halifax, Nova Scotia: on November 24, join Habitat for Humanity Nova Scotia as it convenes leaders, innovators, and decision-makers from across government, industry, and the non-profit sector to address the critical barriers to housing affordability and collaborate on actionable, scalable solutions that can shape the future of housing in Nova Scotia. 

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:  

  • Immediate support for those in greatest need to find or keep their housing, such as expansions to the Canada Housing Benefit or Reaching Home: Canada’s Homelessness Strategy 
  • Protections for renters against excessive rents, unfair evictions, disrepair, discrimination, and other urgent issues 
  • Measures to tackle the financializaton of housing, including limiting the treatment of housing as a tool to maximize profits and substantially increasing the supply of community housing, or  
  • Commitments to uphold housing as a human right, including clear targets, timelines, monitoring, and reporting mechanisms to ensure government investments lead to deep and long-term housing affordability and security

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

Building on Build Canada Homes 

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). 

Targeting for deep affordability 

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.  

Protecting renters  

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. 

Meeting the needs of equity-deserving communities  

The budget commits some dedicated funding for communities disproportionately impacted by the housing and homelessness crisis, including: 

  • $2.3 billion for urban, rural, and northern Indigenous housing (previously committed in the 2023 budget), and 
  • $528.4 million over four years for the Department of Women and Gender Equality, including commitments to eliminate discrimination and advance the rights of women and gender diverse people (though the budget does not indicate dedicated housing investments for women and gender diverse people). 

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.  

Tackling housing financialization 

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

Next steps 

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: 

  • Providing immediate support to renters and people experiencing homelessness, including by expanding the Canada Housing Benefit and Reaching Home program 
  • Protecting renters from excessive rents, unfair evictions, and other urgent issues, including by strengthening the Renters’ Bill of Rights and renter protection requirements under federal-provincial-territorial funding agreements 
  • Building and protecting deeply affordable housing, including by maximizing investments in the community housing sector, setting housing targets for equity-deserving communities, and restricting access to funding to housing projects that ensure long-term affordability, security, and other renter protections 
  • Combatting the financialization of housing, including by addressing fiscal and regulatory incentives that spur financialization and reducing reliance on the private sector, and 
  • Upholding housing as a human right, including by setting clear targets, timelines, monitoring, and reporting mechanisms to end homelessness and housing need and providing meaningful engagement opportunities for people with lived experience. 

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

  • Building 4,000 affordable mixed-income housing units in Dartmouth, Longueuil, Ottawa, Toronto, Winnipeg, and Edmonton 
  • Launching the $1.5 billion Canada Rental Protection Fund to support community housing providers to acquire private rental buildings 
  • Investing $1 billion in transitional and supportive housing projects, in partnership with provincial, territorial, municipal, and Indigenous partners 
  • Building 700 public, affordable, and supportive housing units in partnership with the Nunavut Housing Corporation 

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. 

Areas of support 

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.  

Opportunities for improvement 

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: 

  • Set clear targets for community housing investments, including by prioritizing and supporting the sector to build capacity and deliver large-scale deeply affordable housing projects 
  • Provide a clear, income-based definition of affordability to ensure housing is genuinely affordable to people with low and moderate incomes and remains affordable in perpetuity 
  • Require strong renter protections for the development and preservation of affordable housing, including against excessive rents, unfair evictions, disrepair, and discrimination 
  • Set specific housing targets for communities disproportionately impacted by the housing and homelessness crisis, including Indigenous peoples, women and gender diverse people, newcomers, and people with disabilities 
  • Develop strong monitoring and accountability mechanisms to measure and evaluate progress on reducing and preventing housing need and homelessness 
  • Provide opportunities for meaningful engagement with people with lived experience of housing need and homelessness, alongside housing and human rights experts and advocates 

Next steps 

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. 

Recommendations to Build and Protect Truly Affordable Housing  

To address the growing housing and homelessness crisis across Canada, the federal government is creating Build Canada Homes, a new housing agency responsible for building affordable housing and modernizing the construction industry. In August 2025, the government released a Market Sounding Guide to gather feedback from housing sector stakeholders on how Build Canada Homes should operate and support the development of affordable housing.  Below, we outline our key recommendations to ensure that Build Canada Homes can effectively tackle the housing and homelessness crisis by taking an evidence- and human rights-based approach. 

Prioritizing affordable housing  

We welcome Build Canada Homes’ focus on affordable housing for low- and moderate-income families, including partnerships with non-market community housing developers and providers such as Indigenous, non-profit, co-operative, and public housing. This is critical to ensure those most impacted by the housing and homelessness crisis have access to housing that meets their needs and that public funding is directed toward the public good.   

We strongly support the Market Sounding Guide’s principle that private investors do not disproportionately benefit from public investments. Over-reliance on the private sector has failed to produce housing that is affordable and accessible to those in greatest need. At the same time, fiscal and regulatory incentives have fueled the financialization of housing. Financialization refers to the treatment of housing as a commodity and investment vehicle to maximize profits rather than as a fundamental human right. Financialization has led to rising rents, poor maintenance and more evictions, disproportionately impacting low-income, racialized and other marginalized communities.  

In line with a human rights-based approach, it is also encouraging to see that Build Canada Homes aims to align funding with housing outcomes, including affordability. The National Housing Strategy Act formally established Canada’s commitment to progressively realize the right to housing. This includes setting clear targets, timelines, monitoring and reporting mechanisms to end homelessness and core housing need in the shortest time possible by committing the maximum of available resources and utilizing all appropriate means.  

Taking a rights-based approach 

In our recent submission to the Build Canada Homes consultation, we highlight three key areas that the federal government should prioritize to ensure Build Canada Homes meets the needs of those most impacted by the housing and homelessness crisis.  

1. Prioritize and maximize investments in the community housing sector by: 

  • Setting clear, ambitious targets for community housing investments. 
  • Prioritizing community housing providers and developers for access to financing and other tools to increase their capacity for large-scale affordable housing projects. 

2. Uphold all elements of the right to adequate housing by: 

  • Restricting access to federal funding to housing projects that commit to long-term affordability based on household incomes, not market forces. 
  • Maximizing funding to support new and existing rental buildings to meet high habitability and climate resilience standards, while upholding affordability and security of tenure
  • Embedding a “For Indigenous, By Indigenous” approach to ensure equitable access to financing and other tools for Indigenous-led housing projects. 
  • Setting clear, ambitious targets for federally funded housing projects that meet the needs of communities facing disproportionate rates of housing precarity and homelessness.  
  • Prioritizing housing developments near vital community services. 

3. Commit to robust monitoring and accountability mechanisms by: 

  • Setting clear targets, timelines, monitoring and reporting mechanisms to ensure Build Canada Homes is focused on ending homelessness and core housing need in the shortest time possible. 
  • Providing opportunities for meaningful engagement with people with lived experience of housing precarity and homelessness.  

Ongoing advocacy opportunities 

We continue to engage closely with federal contacts on our recommendations. Together with sector partners, we are urging the government to adopt evidence- and rights-based solutions to the housing and homelessness crisis through Build Canada Homes. The government has also committed to providing ongoing engagement opportunities, with a focus on Indigenous partners. 

We will monitor updates on the launch of Build Canada Homes over the coming weeks and months. We welcome individuals and organizations to reiterate and amplify our recommendations to ensure Build Canada Homes prioritizes the development and preservation of truly affordable housing through a human rights-based approach. 

Recommendations to build and preserve affordable housing and uphold human rights

To inform the development of its 2025 budget, the federal government is holding a series of consultations to gather ideas and input from the public. The 2025 budget comes in the midst of deep social and economic turmoil across the country, which has been magnified by a trade war with the United States. Meanwhile, we continue to face an escalating housing and homelessness crisis, which is disproportionately impacting communities already facing barriers to socioeconomic justice and equity. Below, we outline the current context in Canada, our recommendations for the 2025 federal budget, and ongoing advocacy opportunities to urge the government to take an evidence- and human rights-based approach to tackle the housing and homelessness crisis. 

The crisis in Canada 

Across the country, renters are facing increasingly precarious conditions, including excessive rents, unfair evictions, renovictions, demovictions, disrepair, discrimination, and many other issues. While rental housing supply and vacancy rates are increasing across the country, this has not translated into greater affordability, as new units are too expensive for low- and moderate-income renters and are not leading to meaningful reductions in rent prices. Instead, rents continue to rise year-over-year. Excessive rent increases, demolitions and conversions mean we are not only losing affordable housing faster than we can build it, we are also seeing an alarming increase in homelessness. In response, some provincial and municipal governments are taking misguided approaches that criminalize people experiencing homelessness, rather than building and protecting affordable housing and providing necessary health, income, and other socioeconomic supports.  

When renters have safe, secure, and affordable homes, they have stronger social and economic outcomes, from better physical and mental health to greater productivity and economic participation. From both a moral and fiscal perspective, building and protecting affordable housing – and the people who live there – is paramount to addressing the rising rates of housing precarity, displacement, and homelessness across the country. 

It was promising to see an ongoing focus on the housing and homelessness crisis throughout the 2025 federal election campaign, including recognition of the active role that all levels of government must play to tackle the crisis. To ensure a healthy, equitable, and sustainable future for all, the federal government must prioritize those most impacted by the housing and homelessness crisis: renters and people experiencing homelessness. 

Solving the crisis 

In our recent submission to the first 2025 federal pre-budget consultation held by the Standing Committee on Finance (FINA), we highlighted five key areas requiring urgent and sustained government action to ensure that everyone in Canada has a safe, secure, and affordable place to call home.  

1. Provide immediate support to renters and people experiencing homelessness by:

2. Protect renters from excessive rents and unfair evictions by: 

  • Strengthening the Blueprint for the Renters’ Bill of Rights 
  • Reporting on renter protection requirements under the Canada Housing Infrastructure Fund 
  • Renewing and maximizing funding through the Tenant Protection Fund 

3. Build and protect deeply affordable housing by: 

4. Combat the financialization of housing by: 

  • Aligning federal housing policies and investments with a human rights-based approach 
  • Facilitating improved data collection on property ownership, rental housing prices, tenure details, and evictions 

5. Uphold housing as a human right by: 

  • Setting clear targets, timelines, monitoring, and reporting mechanisms to end homelessness and housing need 
  • Ensuring federal funding prioritizes those in greatest housing need 
  • Providing opportunities for meaningful engagement with people with lived experience to support the development, implementation, and evaluation of housing policies and programs 

Ongoing advocacy opportunities 

We are continuing to engage closely with our federal contacts and sector partners to urge the government to adopt evidence- and rights-based solutions to the housing and homelessness crisis in the 2025 federal budget. Following the initial FINA consultation, we encourage individuals and organizations to participate in the second pre-budget consultation held by the Department of Finance, by completing the questionnaire and/or sending in a formal submission by August 28, 2025. We welcome individuals and organizations to reiterate and amplify the recommendations outlined in our pre-budget submission to help hold the government accountable to meeting the needs of those most impacted by the housing and homelessness crisis. 

Multi-tenant housing or “rooming houses” are often the cheapest housing option available in the private rental market, making them an important source of affordable housing. On March 31, 2024, the City of Toronto put into place a new by-law to regulate multi-tenant housing across the city. 

This resource offers a range of practical information about multi-tenant housing that can be useful for tenants in Toronto and for service providers who support these tenants.

This resource provides information about:

  • What multi-tenant homes are and why a by-law is needed to regulate them.  
  • The by-law’s purpose and its potential impact on existing multi-tenant houses in the city. 
  • The responsibilities of multi-tenant housing operators to comply with the by-law and protect tenants’ rights.  
  • Tenants’ rights and where they can get further information and legal supports. 

What is a multi-tenant house?

A multi-tenant house, or rooming house, is where unrelated people occupy a building that has been divided so that tenants can rent individual bedrooms and share other rooms, such as a living room, kitchen, or bathroom. Under Toronto’s new Multi-Tenant Houses by-law, it is also defined as a building with four or more rooms occupied or intended for people who do not form a single household. These residences are also known as “rooming houses”, “boarding houses”, “lodging houses”, “dwelling rooms” or “single-room occupancies.”   

Under the new by-law, the definition also includes Personal Care Multi-Tenant Housing, where personal care services are provided to individuals as part of their tenancies (not including tenancies where services are provided by a regulated professional). This definition does not include group homes for youth, nursing homes, religious residences, student residences, tourist homes, hotels or refugee houses.    

Tenancies in multi-tenant homes are governed by the Residential Tenancies Act (RTA), except for tenants who share a kitchen or bathroom with the building owner or the person they pay rent to.  

Why did the City of Toronto create the new by-law?

Before the new by-law came into effect, multi-tenant homes were licensed in limited areas of the city, and only specific types of these homes were allowed in certain neighbourhoods. Overall, licensing was inconsistent, and multi-tenant homes were generally not permitted throughout Toronto.  

However, multi-tenant homes still existed and simply operated without licensing and oversight by municipal authorities. Unfortunately, tenants sometimes experienced unsafe living conditions in multi-tenant homes that were unregulated. For instance, some operators would avoid obtaining permits and safety inspections from municipal authorities when renovating these homes, because it could alert authorities that they were operating an unregulated multi-tenant home, which could put the home at risk of being shut down. Additionally, tenants were often hesitant to report unsafe conditions because they feared it could result in losing their housing.  

What does the by-law do?

The City of Toronto’s Multi-Tenant Houses by-law came into effect on March 31, 2024. It allows multi-tenant homes to exist as licenced, regulated buildings across Toronto. Some important parts of the by-law are: 

  • Requirements to comply with the Ontario Building Code and Ontario Fire Code.  
  • Enforcement and compliance programs, including annual building inspections.  
  • A Multi-Tenant Housing Licensing Tribunal, only for landlords to appeal a decision if they have not been granted a license to operate a multi-tenant home.  
  • A renovation program to provide funding and support to operators to do necessary work to make their building comply with the by-law.  

By providing clear rules, guidelines and supports, the City hopes that the by-law will encourage operators to create more multi-tenant homes – a critical stock of affordable homes – and preserve the ones that already exist. 

Additionally, the new Rental Renovation Licence By-law will cover multi-tenant housing in Toronto once it comes into effect in July 2025. 

What do operators of multi-tenant homes need to do to bring their properties into compliance with the by-law?

In Toronto, all new and existing multi-tenant houses must operate in accordance with the new by-law. Operators of existing properties must make renovations where necessary to ensure they comply with the new requirements. Beyond the safety requirements outlined above, the by-law also sets different limits on the number of units allowed in a multi-tenant house, depending on its location within the city (the number of units permitted ranges from 6 to 25). Additionally, it also mandates that properties provide one parking space for every three dwelling rooms. This number is rounded down, so a multi-tenant home with five rooms would require one parking space. It also requires that each building have at least one bathroom – with a sink, toilet, bathtub or shower – for every four dwelling rooms. More information about requirements can be found here: Multi-Tenant House Owners & Operators – City of Toronto 

The City has created the Multi-Tenant Houses Renovation & Repair Program, which provides funding to existing operators to help bring their buildings into compliance with the new by-law. If an operator receives this funding, they cannot apply for an Above Guideline Rent Increase (AGI) with the Landlord and Tenant Board related to the renovation.   

If an operator fails to comply with any of the by-law requirements, they can be convicted of an offense, and can be fined up to a maximum of $100,000. Operators must obtain and regularly renew their multi-tenant housing license, and the city can refuse, revoke or suspend their license if the operator violates any of the applicable by-laws. The City of Toronto has said that they will not close existing multi-tenant homes unless an immediate health and safety risk is identified during the initial implementation phase of the new by-law. 

What are operators’ responsibilities in multi-tenant housing?

Operators of multi-tenant homes that are governed by the RTA must:

How can tenants protect their rights and get help?


More information and resources:

This toolkit is designed to help medical professionals support tenants (their patients) who are seeking accommodations in their rental housing from their landlord under the Ontario Human Rights Code. This guide provides an overview of the disability accommodation and letter-writing processes, offers tips for writing an effective disability accommodation letter, and provides templates that medical professionals can use to write their own letters.


In this toolkit, you’ll find information about:

  • Disability accommodations in rental housing
  • Types of disabilities that are protected under the Human Rights Code
  • The accommodation process
  • Tips for medical professionals on writing accommodation letters
  • Sample accommodation letters
  • Resources for medical professionals

CCHR is committed to making legal information relevant to the lives of those who need access to housing justice the most. This toolkit aims to equip youth and facilitators with the tools to develop strategies for human rights advocacy in housing within communities across Ontario, and to host workshops with youth to learn about housing rights and discuss their communities’ housing experiences.

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