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2019 Canada Election Proposals Related To Housing, Mortgages, and Students

2019 Canadian Federal Election Parties

With the 2019 Federal Election approaching, the promises are flying fast and furious. Here is a look at some of the planks we think are going to be most important for our users, here in Saskatchewan, with an emphasis on issues related to housing, mortgages, and property ownership. As Saskatoon has a large proportion of student renters, we also included issues related to student housing, primarily around student finances, and public transportation.

So to summarize, the promises we’ve gathered below are those we feel are important for Saskatchewan landlords and tenants and related to:

    1. Mortgages;
    2. Housing construction, improvement, and retrofits;
    3. Income and taxes;
    4. Student financial issues; and
    5. Public transit

It’s still early and we’ll do our best to add proposals and platforms that fit in the above categories as they come in. We’re not advocating for one party or the other here, you can make up your own mind, the intent is just to lay out what is out there in a simple list.

 Liberal Party

  • Prioritize social infrastructure spending for affordable housing and seniors facilities
  • Eliminate all GST on new capital investments in affordable rental housing
  • Introduce a 1% annual tax on foreign-owned residential properties owned
  • Free energy audit to help homeowners and landlords determine ways to make more homes more efficient
  • Interest-free loan of up to $40,000 to help finance energy efficient renovations
  • Net Zero Homes Grant of up to $5000 for homes that are certified zero-emissions
  • Institute a $15/hr federal minimum wage
  • Additional $3B/year in transit funding for cities

  Conservative Party

  • End stress tests on switching a mortgage to a different lender (i.e. rate shopping)
  • Institute a 2-year tax credit for energy-saving renovations
  • No more GST or carbon tax on home heating and energy bills
  • Lower the income tax on income under $47,630 from 15% to 13.75%
  • Restore the public transit tax credit of up to 15% on weekly/monthly transit passes

  NDP

  • Re-introduce 30-year CMHC-insured mortgages for first time home buyers
  • Double the Home Buyer’s Tax Credit (to $1500)
  • Create a 15% foreign buyers tax on purchases of residential property
  • Remove GST on the construction of new rental units
  • Target the green retrofit of all housing in Canada by 2050 using low-interest loans to incentivize upgraded better insulation, windows, heat pumps, etc.
  • Create 500,000 units of affordable housing in the next 10 years
  • Add $5 billion to spending on affordable housing in first 18 months in office
  • Invest $40 million over four years in the Shelter Enhancement Program
  • Institute a $15/hr federal minimum wage
  • Eliminate unpaid internships (except as part of an educational program)
  • Force equal compensation for part-time and contract workers to full-time workers
  • Eliminate interest on federal portion of student loans
  • Move away from loans by increasing access to Canada Student Grants
  • Modernize and expand public transit with an emphasis on electrification and funding

  Green Party

  • Mortgage, construction/retrofits, taxes, students, public transit
  • Get rid of the first-time home buyer grant
  • Improve Indigenous organization access to financing through CMHC
  • Restore tax incentives for building purpose-built rental housing
  • Change the national building code to require new construction to meet net-zero emission standards by 2030
  • Remove “deemed” GST when a developer with empty condo units puts them on the rental market
  • Institute a $15/hr federal minimum wage
  • Establish a Guaranteed Liveable Income program to replace various income support programs
  • Allocate one per cent of GST to housing and other municipal infrastructure
  • Appoint a Minister of Housing
  • Legislate that housing is a legally protected fundamental human right for all Canadians and permanent residents
  • Increase the National Housing Co-investment Fund by $750 million for new builds, and the Canada Housing Benefit by $750 million for rent assistance for 125,000 households
  • Eliminate post-secondary education tuition
  • Forgive existing student debt held by federal government
  • Fund the re-routing of tracks for freight and rail yards away from populated areas

 

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Preparing for Property Photos or VR Tour

When it comes to marketing your property, nothing makes a bigger impact on the first impression than the visuals you use in your listing. Photos, videos, and even virtual tours can mean the different between finding a good tenant right away or having a vacant property for 1-2 months. Anikio offers professional photography and virtual tours, but whether you’re planning to shoot your own photos or use a professional, here are some things that will make sure you get the best results possible before you take off that lens cap:

Preparing Your Property

  1. Fix/Patch – Good photos should last you through many tenants. Make sure that suite repairs, patches, and fixes are done. Just like you’re looking for a reliable tenant that will pay on time, tenants want reliable landlords that make repairs promptly. Photos of walls (or doors) with holes, cupboards missing doors, or half-completed renovations don’t give a good impression even if you are in the middle of repairing them.
  2. Don’t Forget Outside – It’s always a good idea to have at least one exterior photo. Make sure the yard, deck, and porch are in good condition (grass cut, snow shoveled, garbage bins tucked away).
  3. Replace Burned-Out Bulbs – Now that your place is patched and fixed, don’t forget to make sure that all your bulbs are installed and working. When you take a picture, what you’re really doing is capturing light from the scene. Less light, less great of a photo. And again, it speaks to how well the property is maintained. Try to keep all the same colour temperature (also called warmth) in one room. Daylight photographs best in rooms with windows.
  4. Put Stuff Away – Loose items like vacuum cleaner hoses, rags, things left behind from the previous tenant, etc. should be neatly put away in their usual storage place. This will save you having professional photos shot only to find a dirty rag sitting on top of your washer/dryer.
  5. Clean – Hopefully the suite was cleaned when the previous tenants left, but if they missed a few things (or you made some dust in the previous three steps) take the time to clean up floors, baseboards, etc. and make everything look its best. Again, it’s a bit of pain now for photos that can last many years.

Taking Photos

  1. Lights! Get all the lights on, even the ones in adjacent rooms, on the porch, etc. Light makes your place feel more warm and welcoming but it also makes your photo results better. Cameras adjust to low light by a combination of leaving the shutter open longer or increasing the ISO. The longer the shutter is open, the more likely the image will be blurry from your hand shaking. This can be combatted by using a tripod. As for increasing the ISO, what this really means is a more grainy and less clear photo. The smaller the camera (for example if you’re using your phone) the less it is able to deal with low light.
  2. Blinds! Open all the blinds. Again, you want to let in as much light as possible for your photo. This part can be a bit tricky, though. If you are shooting a scene with open blinds and the sun streaming in, the camera can think the picture is too bright and make everything dark inside so that the scene outside the window is exposed correctly. On most cameras you can adjust the exposure (for example, on an iPhone, click the light icon on the yellow box and drag up to brighten the image) so that the inside is exposed correctly. This may result in a very white/bright window. Optionally, try to shoot with your back to the window to use all that light to your advantage, or if you have a HDR-capable camera (and tripod!) you may be able to get several photos of the same scene at different exposures and put them together to better replicate the dynamic range (from darkest to brightest) that the human eye can resolve.
  3. Camera! Modern phones have better and better cameras and AI all the time. These days, with enough light, you can get perfectly acceptable photos with a phone camera and occasional use of the panorama feature. However, nothing beats a nice big wide-angle lens on an SLR camera for collecting more light in the same scene. And don’t forget about a tripod for sharp, clear, low-noise photos in even dark rooms. As mentioned above, the tripod is also critical for shooting HDR photos that extend the range between the blackest black and whitest white to allow more of the image to shine through.
  4. Action! Where possible, try to take your photos in landscape (wide) format instead of tall. This shows a more natural view of how people see the world and gives more of a sense of seeing a complete picture. Portrait (tall) photos are useful in small spaces but when used in large rooms, they can make it look like you’re trying to hide something. Photos look best on Anikio when they are cropped to a 16×9 widescreen format, but standard straight-out-of camera photos will work with no cropping also. If you know a bit about photography, you may also wish to do some post-processing of the photos, making sure the white balance is accurate, putting together your HDR photos and panoramas, and double-checking that the photos look as good and as accurate as possible.