Housing affordability has a policy blind spot, and second time home buyers are falling right through it. The assumption is that every young buyer is a first-time buyer. But that's not who's stuck.

Mike Moffat points to people who bought a condo near the top of the market and can't make the jump to a bigger home. Their equity hasn't grown. In some cases, it's gone backward. And the relief programs weren't built for them.

Moffat and the Missing Middle Initiative are pushing for tax changes that account for this reality. The HST cut on new builds under a million dollars is a start. But who it helps, and who it misses, is the real question.

Topics: housing affordability, second time home buyers, land transfer tax, missing middle initiative, condo equity

GUEST: Mike Moffat | missingmiddleinitiative.ca

Originally aired on 2026-05-11

Housing affordability has a policy blind spot, and second time home buyers are falling right through it. The assumption is that every young buyer is a first-time buyer. But that's not who's stuck.
Mike Moffat points to people who bought a condo near the top of the market and can't make the jump to a bigger home. Their equity hasn't grown. In some cases, it's gone backward. And the relief programs weren't built for them.
Moffat and the Missing Middle Initiative are pushing for tax changes that account for this reality. The HST cut on new builds under a million dollars is a start. But who it helps, and who it misses, is the real question.
Topics: housing affordability, second time home buyers, land transfer tax, missing middle initiative, condo equity
GUEST: Mike Moffat |<a href="http://missingmiddleinitiative.ca"> missingmiddleinitiative.ca</a>
Originally aired on&nbsp;2026-05-11

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.