Millennials and the Housing Market: Ownership from an Affordability and Financing Perspective

Free and open to the public

Dates: March 9, 2023

Time: 6:00 p.m. -7:30 p.m.

Venue: Carleton Dominion-Chalmers Centre, 355 Cooper Street


This session addresses affordability in relation to choice. What works where and why (here and elsewhere), and what would need to change to support additional and unexplored options in Canada/Ottawa? The session will bring forth discussion regarding title vs. accumulation of equity, Transition from market rental to ownership and vice versa, Tax­-deferred accounts for first-time buyers, tiny homes/ coach house options, and their financial viability.



Keynote/Moderator: Saide Sayah, Principal, FoTenn Planning + Design, former Director of Housing Services, City of Ottawa
Panelist: Gregory Banfield, Director of Mortgages & Program Delivery at Home Ownership Alternatives
Panelist: Jennifer Tsao, Senior Policy Specialist at Canada Mortgage & Housing Corporation


Canada’s current housing crisis affects a broad spectrum of the population and engages supply, affordability, tenure, and tenancy. To better explore the issues at play, this series focuses on millennials as a specific demographic group, and on a particular segment of the housing market, namely housing for purchase.


The goal of this series is to explore (and question) the status quo by fostering a dialogue between millennials (those born between the early 1980s and the late ‘90s) and an array of housing experts, including urban historians, developers, real estate professionals, builders, policy makers, financing specialists, environmental experts, and socio-cultural activists.


This dialogue is intended to explore opportunities to broaden the repository of existing housing and homeownership options by identifying limitations and determining what interventions may be necessary and/or feasible given the systems under which the housing market operates in Canada.


The series is jointly sponsored by:

•  Carleton University, Azrieli School of Architecture & Urbanism

•  Algonquin College, Department of Interior Design

•  The Urban Land Institute, Ottawa Chapter

•  The Canadian Centre for Mindful Habitats

with generous support from the Social Sciences and Humanities Research Council


All lectures are free and open to the public and will be held at the Carleton Dominion Chalmers Centre, 355 Cooper St, Ottawa.

Session 4 – Ownership, Housing, and Community Design: A Sustainability Perspective

Thursday, March 16, 6:00 p.m.


This session explores homeownership and community structure from a sustainability perspective, considering the inter-relationship between economic, environmental, and social factors. It offers a critical look into what might be termed a ‘happy city,’ including the interdependencies, opportunities, and challenges of a design that fosters stability and accommodates change.