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Canada’s housing affordability crisis is growing — especially in urban and suburban areas where space is limited and demand is high. Middle housing — including Additional Dwelling Units (ADUs), multiplex conversions, and gentle density — offers a scalable, community-friendly solution.
While interest in these approaches is rising, one major barrier remains: financing.
Homeowners, small-scale developers, and investors often face a fragmented and confusing process when trying to navigate and fund their projects — especially without clear, centralized resources.
As captured in the 2024 Housing Finance Forum, hosted by the School of Cities and Highline Beta, the challenge is clear:
“There is a huge lack of broader awareness among inexperienced homeowners and first-time developers. Communication about financing tools, methods, and options is the top priority, as many consumers don't know how to approach a project or assess their options.”
This insight — echoed by everyone from non-profit leaders to mortgage specialists — became the driving force behind the creation of the Middle Housing Finance Hub.
As a venture studio and VC investor committed to solving systemic challenges through innovation, Highline Beta saw an opportunity to help unlock the potential of middle housing.
Through our role as a Scaling Hub partner for CMHC’s Housing Supply Challenge Round 5, we worked closely with innovators, policymakers, and financial institutions across the country — and one theme became clear: while momentum for gentle density is growing, homeowners and small-scale developers continue to face fragmented, complex, and often limited financing pathways.
Supported by CMHC and powered by Highline Beta, the Middle Housing Finance Hub is a single destination and knowledge hub for financing ADUs, multiplex conversions, and other small-scale housing projects. It brings together financing options, curated content, and practical tools that empower people to make informed decisions — all in one place.
We designed the Hub with the end user in mind, including:
Whether you’re just beginning your journey or deep into your project, the Middle Housing Finance Hub offers practical tools and guidance to help you move forward with confidence:
The Hub will continue to evolve as new products, policies, and insights emerge — because unlocking Canada’s middle housing potential means making financing not just possible, but truly accessible.
We’re committed to supporting housing solutions that work for real people — empowering homeowners, small-scale developers, and communities to take action and build the future of housing.
Explore the Hub now at https://www.middlehousingfinance.ca/
Have a resource to share? Want to get featured or partner with us?
If you're working on financing solutions, policy innovations, or have a story that could help others navigate middle housing financing, we’d love to hear from you.
Submit your resource or connect with us here.
Together, let’s unlock the potential of middle housing across Canada.
Disclaimer
The Middle Housing Finance Hub was built with funding provided by CMHC to support the Level-Up Round of the Housing Supply Challenge. However, Highline Beta bears sole responsibility for the accuracy and appropriateness of this website. CMHC accepts no responsibility for the content, interpretations, conclusions, or opinions expressed in this website or other materials resulting from the supported work.
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