Increasing Housing Choices in Neighbourhoods Study

Thank you for your question and interest in this study.

We also see an urgent need for more diverse housing options in Mississauga. Therefore, the plan is to bring policies to Council early next year for approval, which would permit a diversity of housing options in our neighbourhoods. The goal is at least within the next decade, we see more of these housing options being developed in the city.

Something we have to consider is we not only want to have more diverse housing options be built in Mississauga and quickly, but also that these housing units are affordable, accessible, and functional. We want to ensure these units are livable for all life stages and are of high quality.

Another aspect we have to consider is how the application processes and costs affect how fast these housing options can be developed. The team, therefore, is also looking at how to make the development process more efficient and ensure development costs are less of a barrier to building a diversity of housing.

I appreciate your feedback and encourage you to continue to follow our study. Please also ensure you’ve subscribed to the project website in the top right-hand corner: https://yoursay.mississauga.ca/increasing-housing-choices-in-neighbourhoods-study.

I’m interested in hearing more of your feedback as we continue this process.

Thank you for your question. The City is aware of how investor-owned properties can contribute to housing affordability issues. Unfortunately the City does not have the ability to impose foreign buyer's tax, regulate who purchases property in the City, or other local measures to discourage such investing behaviour.

However, the following is information about current government initiatives that are addressing speculative investor activity and supporting home ownership: 

Region of Peel

- Vacant Home Tax: this vacant residential unit tax is applied to properties that are left unoccupied. It's meant to discourage investors from making speculative purchases by encouraging them to either sell or rent their homes instead of leaving it vacant. This approach helps to ensure that residential units are put to their intended use – housing.

The Region of Peel commenced a study earlier this year to investigate the potential to implement this tax and City staff have been involved in the study. The report could be found here: https://pub-peelregion.escribemeetings.com/filestream.ashx?DocumentId=17157.

It's anticipated the results of the study will be presented to Regional Council early next year. Note that Provincial approval is ultimately required to implement this tax.

City of Mississauga

- Community Land Trusts: the City of Mississauga is currently conducting the Increasing Housing Choices in Neighbourhoods study to improve housing options in neighbourhoods for the community. One of the options currently being explored is a Community Land Trust, which would bring land out of the market and into a trust. A non-profit organization would manage the land and create affordable housing among other initiatives such as urban agriculture, community spaces, and green spaces. This would ensure land is removed from speculative investor activity, affordable housing is provided in perpetuity, and land is managed for community benefit.

For more information, see and subscribe to the project website: https://yoursay.mississauga.ca/increasing-housing-choices-in-neighbourhoods-study

- Inclusionary Zoning: this is one of the tools the City has been working collaboratively with the Region of Peel to develop in order to improve housing affordability in Mississauga. It allows the City to require a portion of new units in future developments located in priority transit areas to be provided at affordable rates. Buyers who make below a certain income can only purchase the affordable units.

For more information, see and subscribe to the project website: https://yoursay.mississauga.ca/inclusionary-zoning-policy-for-affordable-housing

- Purpose-Built Rental: although investor-owned properties is a growing concern, investor condos have the potential to provide much needed rental supply in markets where no new purpose-built rental housing has been built. The City of Mississauga's Housing Strategy has actions to improve purpose-built rental units in the City so investor-owned properties are not the only source of rental supply in Mississauga: https://www.mississauga.ca/wp-content/uploads/2020/08/24131711/Affordable_Housing_Strategy_Appendix12-Web.pdf

Province of Ontario

- Non-Resident Speculation Tax: The Province of Ontario implemented a Non-Resident Speculation Tax on the purchase of homes in the Greater Golden Horseshoe, which includes the City of Mississauga / Region of Peel. 

A 15% tax is applied to transactions involving up to 6 residential units and include a foreign entity / corporation or taxable trustee. For more information, see the following website:  https://www.fin.gov.on.ca/en/bulletins/nrst/

Federal Government

The federal government also has the power to disincentivize through other means such as applying the capital gains tax on the sale of investment properties. The City plays an advocacy role in encouraging senior levels of government to consider using mechanisms such as these.

Addressing the affordability issues in Mississauga and elsewhere in the GTA requires a multi-governmental, multi-pronged approach. We encourage you to follow these initiatives and engage in them by providing your feedback.

Thank you for your question. Mississauga is currently participating in the Region of Peel’s HomeShare pilot, which is run by the same organization, National Initiative for the Care of the Elderly (NICE), as the program in Toronto that you referenced. The program matches older adults who want to age in their homes with students who need a place to live and who can help around the house in exchange for reduced rent. The entire process, from application to finding an appropriate home share match, is carefully overseen by NICE social workers in accordance with all COVID-19 protocols. Additional details on this program are available on the City’s website: https://www.mississauga.ca/city-of-mississauga-news/news/do-you-have-a-spare-room-available-partner-with-peel-homeshare/  

The Increasing Housing Choices in Neighbourhoods Study is also looking at how to support home sharing on a longer term basis than this pilot and developing planning policies.

Thank you for your question. Your input is important to us and will inform our work on evaluating land use permissions as they relate to residential designations.  Please note that, through the Mississauga Official Plan Review, we are looking at ways to protect small convenience commercial plazas within neighbourhoods and to strengthen complete communities policies and directions. One of the policy directions we are advancing aims to reinforce the planned function of neighbourhood “Convenience Commercial” designations and emphasize their importance as providers of local shopping for the day-to-day needs of residents within walking and cycling distance. You can read more on these and other related policy directions on the official plan review page: https://yoursay.mississauga.ca/official-plan-review .

Thank you for your question and for giving us feedback to consider Montreal's approach.

Our study can certainly learn from Montreal as well as other cities in Ontario (e.g. Ottawa and Hamilton) to implement missing middle housing. 

Something we’ll have to consider when looking to Montreal is that most of their development occurred between the 1800’s to early 1900’s. This is when small-scale apartments were a more desirable development form and a dense street network was being established. This created ideal conditions for duplexes, triplexes, and multiplexes, for example, to really establish themselves in Montreal’s neighbourhoods.

In comparison, most of Mississauga’s development occurred post-war and took a more suburban approach that was dependent on cars. We’ve started to change this approach so that we’re creating completing communities where everyone can live, work, and go to school in the same city, as well as get groceries, go to the park, and access services within a shorter distance.

Despite those differences between Mississauga and Montreal, we’re still looking at how duplexes, triplexes, and multiplexes could be implemented in the Mississauga context. As you’ve mentioned, these forms have potential to provide more housing choices in our city. We’re also investigating other housing forms like coach houses/garden houses, laneway suites, and garage conversions.

We really appreciate your idea to look at Montreal’s approach to housing so we hope you can join us at future community engagements. These will be posted on the engagement page: https://yoursay.mississauga.ca/increasing-housing-choices-in-neighbourhoods-study

There’s also a survey and photo submission exercise that you can participate in so we can get more feedback from you on how to implement these housing forms in the city: https://yoursay.mississauga.ca/increasing-housing-choices-in-neighbourhoods-study/news_feed/take-the-survey-and-share-your-photos

Thank you again for your feedback and we hope you take care.

Sincerely,

Elizabeth

Thank you for your question and feedback on senior housing living preferences. Enabling Mississauga residents to age within their communities is a key goal for the City. Senior living like how you’ve mentioned can be done in different ways and be provided by various organizations. 

There are retirement homes which seem to align with what you’re describing. They’re different from long term care homes and can accommodate independent living with some supports should residents need help. Retirement homes are usually operated by private companies and they could be found around Mississauga. This website lists those retirement home options and the different supports they may offer: https://www.mississaugahaltonhealthline.ca/listservices.aspx?id=10158.

Another option is to inquire with the Region of Peel and their housing corporation, Peel Living. They have some options in Mississauga for senior housing for those 65 years old and over. Here is a link to their website and where you can find their contact information to ask about unit availability: https://www.peelregion.ca/peelliving/.

The City of Mississauga’s Increasing Housing Choices in Neighbourhood’s study is also looking at different housing types and arrangements to implement in the city so that residents have more choice on where and how they live as they go through different life stages. For example, housing types like duplexes, triplexes, and multiplexes, as well as housing arrangements like co-ownership or home share could provide seniors with independent living options within communities. The outcome of this study is to create policies that allow more of these housing options to be developed in Mississauga. 

We encourage you to continue coming back to this project page for updates, future engagement opportunities, and to post more questions or ideas we should consider: https://yoursay.mississauga.ca/increasing-housing-choices-in-neighbourhoods-study.

I hope this answers your questions and provides a starting point for seeking different senior living options in Mississauga!

Sincerely,

Elizabeth