{"id":1984,"date":"2025-08-26T08:00:07","date_gmt":"2025-08-26T08:00:07","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/?p=1984"},"modified":"2025-08-26T16:41:18","modified_gmt":"2025-08-26T16:41:18","slug":"bridging-the-housing-afford-ability-gap","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/bridging-the-housing-afford-ability-gap\/","title":{"rendered":"BRIDGING THE HOUSING AFFORD ABILITY GAP"},"content":{"rendered":"\t\t
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Supporting a Home Purchase? Five Questions to Ask<\/h2>

Without a doubt, home ownership has become increasingly out of reach for younger generations (chart, bottom right). Canadian home prices have risen faster than in any other G7 country\u2014nearly quadrupling over 40 years (graph, top). As such, many families are stepping in to help. Beyond easing financial stress, this support can have added benefits. Many high-net-worth individuals value the opportunity to see their wealth in action during their lifetime. Lifetime gifting can also simplify estate administration and, depending on province, may reduce probate fees. Still, meaningful support requires thoughtful planning to avoid unintended consequences. Here are five key questions to consider:<\/p>

1. How will this impact my own finances?<\/strong>\u00a0Many people draw from lifetime savings to provide support. It\u2019s essential to assess how this could affect your long-term financial security\u2014especially given\u00a0 increased life expectancy and the rising cost of long-term care.<\/p>

2. How do I structure my support?<\/strong>\u00a0Support can take many forms, including gifting cash, loaning funds, co-signing a mortgage or purchasing a property in your own name\u2014each with different tax and family law implications.* Remember, gifting means giving up control. Smaller, ongoing support may allow the recipient to leverage tax-advantaged tools like the Tax-Free Savings Account (TFSA) or First Home Savings Account.<\/p>

3. What are the family law implications?<\/strong>\u00a0If the recipient is in a relationship that ends, gifts or property could be subject to division, depending on provincial family law. There may be ways to protect the intent of your support, such as through the use of formal ownership agreements or cohabitation agreements.*<\/p>

4. Are there tax implications?<\/strong>\u00a0While Canada has no gift tax, some arrangements can trigger taxable events. For example, co-owning a property with the recipient may protect your share, but if it\u2019s not your principal residence, you could face capital gains tax upon its sale or disposition. Large gifts from taxable investment accounts could also trigger capital gains or income tax.<\/p>

\"\"<\/p>

https:\/\/www.dallasfed.org\/research\/international\/houseprice<\/a><\/p>

5. Will this affect my estate plan?<\/strong>\u00a0If you have multiple children who are intended beneficiaries, a gift to one child can affect how you equalize your estate. A strategic approach might include integrating gifting into an estate equalization plan\u2014through lifetime gifts or testamentary planning using trusts or insurance.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0*Consult legal and tax professionals to understand the implications of any strategy.<\/p>

Housing Costs Over 40 Years: Kids Today May Have It Harder<\/strong><\/h4>

\"\"<\/p>

(1) National benchmark, April 2025: https:\/\/wowa.ca\/reports\/canada-housing-market; (2) StatCan
Table 11-10-0190-01, 2022 figure (after tax) with 2.56% annual wage growth in 2023-25; (3) Avg. major
banks\u2019 five-year fixed rate, April 28, 2025. Historical data soucre: \u201c2012 vs 1984: Yes, Young Adults Do
Have It Harder Today,\u201d R. Carrick. Globe & Mail, 8 May 2012, B21\"\"<\/a><\/pre>
The information contained herein has been provided for information purposes only. The information has been drawn from sources believed to be reliable. Graphs, charts and other numbers are used for illustrative purposes only and do not reflect future values or future performance of any investment. The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual\u2019s objectives and risk tolerance. This does not constitute a recommendation or solicitation to buy or sell securities of any kind. Market conditions may change which may impact the information contained in this document. Wellington-Altus Financial Inc. (Wellington-Altus) is the parent company to Wellington-Altus Private Wealth Inc. (WAPW), Wellington-Altus Private Counsel Inc. (WAPC), Wellington-Altus Insurance Inc. (WAII), Wellington-Altus Group Solutions Inc. (WAGS), and Wellington-Altus USA Inc. Wellington-Altus (WA) does not guarantee the accuracy or completeness of the information contained herein, nor does WA assume any liability for any loss that may result from the reliance by any person upon any such information or opinions. Before acting on any of the above, please contact your financial advisor..<\/p>
\u00a92024, Wellington-Altus Private Wealth Inc., Wellington-Altus Private Counsel Inc., Wellington-Altus Insurance Inc., Wellington-Altus Group Solutions Inc., and Wellington-Altus USA\u00a0Inc. ALL RIGHTS RESERVED. NO USE OR REPRODUCTION WITHOUT PERMISSION.\u00a0www.wellington-altus.ca<\/p>
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As an investor, wouldn\u2019t it be great to travel back in time 30 years to alter the course of the future? 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