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MPC ADVOCACY DAYS

Advocacy in Action

Mortgage Professionals Canada brings the voices of mortgage professionals directly to government decision-makers, advocating for policies that strengthen our industry, protect consumers and make homeownership more accessible.

Through our federal and provincial Advocacy Days, MPC members have the opportunity to engage directly with elected officials and policymakers, to share their experiences, addressing industry challenges and helping shape meaningful solutions for Canadians.

Ontario Legislative Building at Queen's Park
Provincial Advocacy November 2, 2026

Ontario Advocacy Day

Queen's Park, Toronto

MPC representatives and members gathered at Queen's Park to engage with Ontario government and opposition representatives on key issues affecting housing affordability, homeownership and the mortgage industry.

Meetings included representatives from the Office of the Premier, several provincial ministries and MPPs from across the political spectrum. MPC and its members were also recognized twice during Question Period.

Key Advocacy Priorities

  • Enhance Ontario's land transfer tax rebate for first-time homebuyers.
  • Exempt first-time buyers from the provincial sales tax on mortgage default insurance premiums.
  • Modernize Ontario's mortgage regulatory framework.
  • Make HST relief on new homes permanent.
Mortgage Professionals Canada May 2026 Parliament Hill Lobby Day in Ottawa.
Federal Advocacy May 5, 2026

Parliament Hill Day

Parliament Hill, Ottawa

Mortgage Professionals Canada returned to Parliament Hill for a day of advocacy, holding more than 40 meetings with elected officials, political staff and senior government decision-makers. MPC representatives brought forward practical, industry-informed recommendations to improve housing affordability, strengthen Canada's mortgage system and expand access to homeownership.

Discussions with federal leaders focused on addressing barriers facing Canadian homebuyers and ensuring mortgage policy reflects the needs of borrowers, lenders and mortgage professionals.

Key Advocacy Priorities

  • CRA-enabled income verification: Advocate for a secure, consent-based verification tool to combat mortgage fraud and protect borrowers.
  • Expanded 30-year insured amortizations: Extend eligibility to all homebuyers to provide greater financing flexibility and improve affordability.
  • Modernized GST relief: Expand GST relief on newly built homes to more Canadians, reducing upfront costs and supporting new housing supply.
  • Insurable mortgage limits: Address gaps in mortgage insurance eligibility and their impact on Canadian borrowers and lenders.
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Parliament Hill Day 2025 in Ottawa
Federal Advocacy October 21, 2025

Parliament Hill Day

Parliament Hill, Ottawa

MPC members from across Canada gathered on Parliament Hill to meet with government and opposition MPs, Senators and senior departmental officials.

Our delegation engaged with senior representatives from the Prime Minister's Office, the offices of the Ministers of Finance and Housing, the Secretary of State to the CRA and the Leader of the Official Opposition, among others.

Discussions highlighted the critical role of mortgage professionals in supporting Canadian homebuyers and strengthening consumer protection.

Key Advocacy Priorities

  • Combat mortgage fraud through a secure, CRA-enabled digital income verification solution.
  • Establish a permanent national housing roundtable involving industry, civil society and governments.
  • Extend 30-year insured mortgage amortizations to existing homes and all buyer classes.
  • Modernize the federal GST rebate for homebuyers.
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Parliament Hill in Ottawa, site of MPC's 2024 federal Advocacy Day
Federal Advocacy September 24, 2024

Parliament Hill Advocacy Day

Parliament Hill, Ottawa

Mortgage Professionals Canada (MPC) brought the voices of mortgage professionals to Parliament Hill for a full day of meetings with the Prime Minister's Office, the Official Opposition, federal ministers, Members of Parliament and senior policymakers.

With housing affordability at the forefront, MPC presented practical policy recommendations aimed at improving access to homeownership, strengthening mortgage industry integrity and addressing the challenges facing Canadian homebuyers and homeowners.

Key Advocacy Priorities

  • Advance a CRA-supported income verification tool to help combat mortgage fraud.
  • Establish a permanent national housing roundtable to coordinate solutions to housing supply and affordability challenges.
  • Improve first-time homebuyer support by proposing a streamlined savings approach combining the Home Buyers' Plan and First Home Savings Account.
  • Remove stress-test requirements on all mortgage transfers and renewals to promote competition and consumer choice.
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MPC's 2023 Parliament Hill advocacy reception
Federal Advocacy October 3, 2023

Parliament Hill Lobby Day

Parliament Hill, Ottawa

MPC representatives and members gathered in Ottawa for a successful day of federal advocacy, participating in a record number of high-profile meetings and demonstrating strong member engagement.

Meetings included representatives from the Prime Minister's Office, Deputy Prime Minister's Office, Official Opposition, federal ministers and their staff, senior government decision-makers, and members of key parliamentary committees.

The discussions brought together representatives from across the political spectrum to advance MPC's strategic priorities and practical policy recommendations aimed at improving housing affordability for Canadians.

Key Advocacy Focus

  • Advance practical, no-cost policy recommendations to improve housing affordability for Canadians.
MPC Advocates at Queen's Park
Provincial Advocacy March 6, 2023

Ontario Advocacy Day

Queen's Park, Toronto

MPC staff and members participated in a day of meetings with elected officials, ministerial staff and senior civil servants to strengthen relationships with provincial decision-makers and highlight the important role of mortgage brokers in supporting Ontario homebuyers.

Discussions focused on key provincial policy recommendations submitted ahead of Ontario's 2023 budget, with an emphasis on housing affordability, reducing costs for homebuyers and combating mortgage fraud.

Key Advocacy Priorities

  • Double Ontario's land transfer tax rebate for first-time homebuyers from $4,000 to $8,000 and index it to inflation.
  • Prohibit the extension of municipal land transfer taxes to additional municipalities to avoid increasing costs for homebuyers.
  • Update the provincial HST rebate to reflect current home prices and index eligibility thresholds to housing prices.
  • Support federal digital income verification measures to help the mortgage industry combat fraud.
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Mortgage Professionals Canada representatives participating in the March 2022 Advocacy Days in Ottawa
Federal Advocacy March 2022

MPC Advocacy Days

Ottawa, Ontario & Virtual Meetings Nationwide

Mortgage Professionals Canada (MPC) brought together 45 member volunteers from across the country for its March 2022 Advocacy Days, engaging federal policymakers in more than 60 scheduled meetings with Members of Parliament, Senators and their staff.

Marking MPC's first hybrid Advocacy Days, the initiative combined in-person meetings on Parliament Hill with virtual discussions involving representatives from across Canada. The meetings provided an opportunity to bring the mortgage broker channel's perspectives directly to federal decision-makers and advance recommendations supporting mortgage professionals, homebuyers and homeowners.

MPC's government engagement also earned national recognition that month, with The Hill Times ranking the association as Canada's most active federal lobbying organization in March 2022, recording 56 reported communications with federal officials.

Key Advocacy Highlights

  • Engaged 45 MPC member volunteers from across Canada in more than 60 scheduled meetings with MPs, Senators and parliamentary staff.
  • Held MPC's first hybrid Advocacy Days, combining a return to in-person meetings on Parliament Hill with virtual engagement nationwide.
  • Advanced MPC's recommendations for the 2022 Federal Budget, advocating for policies supporting the mortgage broker channel and Canadian consumers.
  • Engaged representatives from across the political spectrum, including federal ministers, opposition leaders and parliamentary committee members.
  • Ranked #1 for federal lobbying activity in March 2022 by The Hill Times, with 56 reported communications.
  • Strengthened relationships with federal policymakers and reinforced the importance of the mortgage broker channel in housing and economic policy discussions.
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Mortgage Professionals Canada Hill Week 2021 federal advocacy initiative
Federal Advocacy 2021

Hill Week 2021

Virtual Meetings Across Canada

MPC transformed its annual Parliament Hill Day into its first-ever virtual Hill Week, expanding opportunities for mortgage professionals to engage directly with federal government officials during the COVID-19 pandemic.

The initiative brought together MPC representatives and member volunteers from across Canada for 54 virtual meetings, reinforcing the importance of the mortgage broker channel to Canadian consumers and the broader economy.

MPC's advocacy efforts received national recognition in The Hill Times, which highlighted the association as the busiest organization among those profiled in its coverage of pre-budget lobbying activities.

Advocacy Highlights

  • Conducted 54 virtual meetings with federal government officials.
  • Engaged mortgage industry member volunteers from across Canada.
  • Reinforced the importance of mortgage brokers to Canadian consumers and the national economy.
  • Earned recognition in The Hill Times for MPC's extensive federal advocacy engagement.
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Mortgage Professionals Canada Hill Day 2020
Federal Advocacy February 2020

Parliament Hill Day

Parliament Hill, Ottawa

MPC member volunteers from across Canada gathered in Ottawa for a day of federal advocacy, meeting with dozens of influential public representatives to raise awareness of issues affecting the mortgage broker channel and Canadian homebuyers.

Discussions focused on the impact of federal mortgage policies on consumers, including aspiring homeowners, and the important role mortgage professionals play in helping Canadians navigate home financing.

With 16 member volunteers representing provinces across the country, the initiative demonstrated MPC's national engagement and commitment to bringing industry perspectives directly to federal decision-makers.

Advocacy Highlights

  • Met with dozens of federal public representatives in Ottawa.
  • Raised awareness of the effects of federal mortgage policies on Canadian homebuyers.
  • Brought together 16 MPC member volunteers from across Canada.
  • Represented the interests of the mortgage broker channel and its clients.
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Mortgage Professionals Canada Parliament Hill Advocacy Day in Ottawa
Federal Advocacy May 27, 2019

Parliament Hill Day

Parliament Hill, Ottawa

MPC member volunteers, led by the association's Executive Committee, gathered in Ottawa for a full day of meetings with dozens of Members of Parliament and their staff to discuss the impact of federal mortgage rule changes on Canadian homebuyers and the housing market.

Discussions focused on the effects of mortgage stress tests, including reduced housing market activity, decreased competition and increased costs for consumers. MPC urged the federal government to consider prudent adjustments to the existing stress test framework.

The delegation also highlighted findings from MPC's research report, The False Binary, which examined the impact of mortgage stress tests on housing activity, including resale markets, new home construction and renovations.

Key Advocacy Priorities

  • Advocate for prudent amendments to federal mortgage stress test requirements.
  • Address the impact of mortgage rule changes on housing market activity and consumer costs.
  • Promote competition and improve access to mortgage financing for Canadians.
  • Highlight research on the effects of mortgage policies on home resales, new construction and renovations.
Ontario Legislative Building at Queen's Park in Toronto
Provincial Advocacy April 8, 2019

Ontario Advocacy Day

Queen's Park, Toronto

MPC member volunteers and staff gathered at Queen's Park for a day of provincial advocacy, meeting with more than 35 Members of Provincial Parliament to discuss challenges facing Ontario's mortgage and housing industries.

Discussions focused on housing affordability, mortgage regulation, and measures to support homeownership and housing supply. MPC also highlighted opportunities to reduce regulatory barriers and improve coordination between provincial and federal housing policies.

Key Advocacy Priorities

  • Improve housing affordability through mortgage stress test adjustments and expanded access to 30-year insured mortgage amortizations.
  • Support effective mortgage regulation, including FSRA's development and greater regulatory harmonization across provinces.
  • Increase housing supply through planning reforms, transit-oriented development and more missing-middle housing.
  • Address provincial and municipal land transfer taxes affecting homebuyers.
  • Reduce unnecessary regulatory burdens and red tape in Ontario's mortgage and housing industries.
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Parliament Hill in Ottawa, representing MPC's federal advocacy efforts
Advocacy Recognition November 28, 2018

Federal Advocacy Recognized by The Hill Times

Federal Advocacy, Ottawa

Mortgage Professionals Canada's ongoing federal advocacy efforts received recognition in The Hill Times, which identified MPC as one of the lobbying organizations recording the most contact with public officials.

The recognition highlighted MPC's continued engagement with federal decision-makers and its efforts to ensure that the perspectives of mortgage professionals and Canadian homebuyers were represented in policy discussions.

Advocacy Focus

  • Advocate for adjustments to the federal mortgage stress test to reduce qualification barriers for prospective first-time homebuyers seeking uninsured mortgages.
  • Maintain ongoing engagement with federal public officials on issues affecting mortgage professionals and consumers.
British Columbia Parliament Buildings in Victoria
Provincial Advocacy November 20, 2018

British Columbia Advocacy Day

Victoria, British Columbia

MPC member volunteers and staff gathered in Victoria for a day of provincial advocacy, meeting with approximately 50 Members of the Legislative Assembly to discuss housing affordability, mortgage policy and the challenges facing BC homebuyers.

Discussions highlighted the impact of recent federal mortgage rule changes, including the B-20 mortgage stress test, on first-time buyers and existing homeowners. MPC emphasized how tighter qualification requirements, rising interest rates and limited housing supply were affecting access to homeownership and housing market activity across the province.

The meetings reinforced the importance of a strong, stable, affordable and competitive BC housing market, with broad recognition among participating MLAs that housing affordability was a priority across political parties.

Key Advocacy Priorities

  • Advocate for a review of federal mortgage stress test requirements and their impact on homebuyers and existing homeowners.
  • Highlight the importance of housing affordability and access to homeownership for BC's middle class.
  • Address the combined effects of rising interest rates, mortgage qualification rules and limited housing supply.
  • Support a strong, stable, affordable and competitive housing market in British Columbia.
Parliament Hill in Ottawa, where MPC held its October 2018 federal advocacy meetings
Federal Advocacy October 16, 2018

Parliament Hill Advocacy Day

Parliament Hill, Ottawa

MPC member volunteers and Executive Committee representatives gathered on Parliament Hill for a full day of federal advocacy, meeting with more than 50 Members of Parliament to discuss Canada's housing market, affordability challenges and the impact of recent mortgage rule changes.

Discussions highlighted the growing barriers facing first-time homebuyers, particularly younger middle-class Canadians seeking to enter the housing market. MPC emphasized the importance of making homeownership more affordable, accessible and attainable.

The delegation also raised concerns about mortgage stress test requirements, explaining how the rules affected not only prospective buyers but also existing homeowners approaching mortgage renewal. MPC called for a review of the requirements to better balance responsible lending with access to homeownership.

Key Advocacy Priorities

  • Advocate for a review and reduction of federal mortgage stress test requirements.
  • Exempt existing homeowners from the stress test when renewing their mortgages without taking on additional mortgage debt.
  • Address housing affordability, availability and accessibility challenges facing Canadian homebuyers.
  • Highlight the impact of mortgage rule changes and rising interest rates on younger, middle-class Canadians.
Atlantic Canada, representing MPC's regional advocacy meetings in June 2018
Regional Advocacy June 2018

Atlantic Canada Advocacy Meetings

Atlantic Canada

MPC representatives engaged with senior political leaders across Atlantic Canada in mid-June 2018, bringing regional mortgage market concerns directly to government decision-makers.

Discussions focused on the availability of affordable housing for first-time homebuyers and the negative effects of federal mortgage rule changes on local housing markets. MPC emphasized the importance of ensuring Canadians could access affordable mortgage financing.

The meetings formed part of MPC's ongoing efforts to engage with policymakers across the country, raise awareness of regional challenges and ensure the concerns of mortgage professionals were represented in housing policy discussions.

Key Advocacy Focus

  • Improve the supply of affordable housing for first-time homebuyers.
  • Raise awareness of the negative impacts of federal mortgage rule changes on Atlantic Canada's local housing markets.
  • Support access to affordable mortgage financing for Canadian homebuyers.
  • Bring regional mortgage industry concerns directly to government decision-makers.
Ontario Legislative Building at Queen's Park in Toronto
Provincial Advocacy February 2018

Ontario Advocacy Day

Queen's Park, Toronto

MPC members gathered at Queen's Park for the association's second annual Ontario Advocacy Day, meeting directly with provincial decision-makers to discuss issues affecting the mortgage industry and Ontario homebuyers.

Member volunteers participated in more than 30 meetings with Members of Provincial Parliament, government ministers and senior staff, bringing industry perspectives to discussions about housing accessibility and affordability.

The event continued MPC's efforts to strengthen relationships with provincial policymakers and ensure the experiences of mortgage professionals and their clients were represented in housing policy discussions.

Advocacy Highlights

  • Held more than 30 meetings with MPPs, ministers and senior government staff.
  • Raised awareness of housing accessibility and affordability challenges in Ontario.
  • Brought mortgage industry perspectives directly to provincial decision-makers.
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Ontario Legislative Building at Queen's Park in Toronto
Provincial Advocacy March 28, 2017

Inaugural Ontario Advocacy Day

Queen's Park, Toronto

MPC hosted its first provincial Advocacy Day at Queen's Park, bringing together mortgage brokers, lenders, insurers and industry volunteers to engage directly with Ontario government representatives on the impact of federal mortgage rule changes.

Throughout the day, MPC staff and industry volunteers participated in more than 30 meetings with provincial representatives and senior officials, highlighting the mortgage industry's contribution to Ontario's economy and the challenges facing Canadian homebuyers.

Discussions focused on housing affordability and availability, particularly the effects of recent mortgage rule changes on first-time buyers. The event also included a reception where MPC members had the opportunity to connect with MPPs and strengthen relationships with provincial policymakers.

Key Advocacy Priorities

  • Advocate for reasonable adjustments to federal mortgage rule changes to reduce their impact on homebuyers.
  • Highlight housing affordability and availability challenges, particularly those affecting first-time buyers.
  • Raise awareness of the mortgage industry's economic contribution to Ontario.
  • Encourage governments to avoid introducing further mortgage restrictions that could negatively affect middle-class Canadians.
Parliament Hill in Ottawa, where MPC held its inaugural federal Advocacy Days in March 2017
Federal Advocacy March 6–7, 2017

Inaugural Parliament Hill Advocacy Days

Parliament Hill, Ottawa

MPC organized its first-ever Parliament Hill Advocacy Days, bringing together member volunteers and representatives from the Alberta Mortgage Brokers Association (AMBA) for two days of meetings with Members of Parliament and federal policymakers.

The delegation highlighted the mortgage industry's economic contribution to communities across Canada and raised concerns about recent federal mortgage rule changes. Building on MPC's participation in the House of Commons Finance Committee's study, the association urged the government to pause further changes while assessing the impact of measures already introduced.

MPC also presented recommendations aimed at maintaining competition in the mortgage market, preserving access to financing and improving the application of mortgage qualification rules.

Key Advocacy Priorities

  • Pause additional mortgage policy changes until the effects of recently introduced measures could be properly assessed.
  • Restore portfolio insurance eligibility for mortgage refinances, with consideration of lower loan-to-value thresholds if needed.
  • Decouple the mortgage stress test rate from the Bank of Canada's posted rate.
  • Apply consistent stress test qualification requirements across insured and uninsured mortgages to support fair competition.
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Your Voice. Our Advocacy.

Our advocacy efforts are strengthened by the expertise and experiences of MPC members. By bringing industry perspectives directly to policymakers, we continue working toward a stronger mortgage profession and a more accessible housing market for Canadians.

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