Lower interest rates and rising incomes more than doubled amount Canadians can borrow for a home

Canada Mortgage and Housing Corporation and the Fraser Institute’s Centre for Municipal Studies. He holds an M.A. in Political Science from Wilfrid Laurier University and a Bachelor of Urban and Regional Planning from Ryerson University. He conducts research and produces reports on land-use regulations, housing affordability, property taxation, and municipal finance. He also comments frequently (in English and French) on policy issues in these fields, notably through radio and television interviews, panel discussions, public presentations, and blogs and op-eds. His work has been featured in numerous news outlets including the Wall Street Journal, Globe and Mail, Toronto Star, Maclean’s, Detroit News, and Financial Post.

has an Honors Bachelors Degree of Commerce and a Masters Degree in Business Administration from the University of Windsor as well as a Post Baccalaureate Degree in Economics from Simon Fraser University. Before rejoining the Fraser Institute in 2012, he was the director of research and managing editor at the Ottawa-based Macdonald-Laurier Institute and prior to joining the MLI, Mr. Clemens spent a little over three years in the United States with the San Francisco-based Pacific Research Institute. He has published over 70 major studies on a wide range of topics, including taxation, government spending, labor market regulation, banking, welfare reform, health care, productivity, and entrepreneurship. He has published over 300 shorter articles, which have appeared in such newspapers as The Wall Street Journal, Investors Business Daily, Washington Post, Globe and Mail, National Post, and a host of U.S., Canadian, and international newspapers. Mr. Clemens has been a guest on numerous radio and television programs across Canada and the United States. He has appeared before committees of both the House of Commons and the Senate in Canada as an expert witness and briefed state legislators in California. In 2006, he received the coveted Canada’s Top 40 Under 40 award presented by Caldwell Partners as well as an Odyssey Award from the University of Windsor. In 2011, he was awarded (along with his co-authors) the prestigious Sir Antony Fisher International Memorial Award for the best-selling book The Canadian Century. In 2012, the Governor General of Canada on behalf of Her Majesty the Queen, presented Mr. Clemens with the Queen Elizabeth II Diamond Jubilee Medal in recognition of his contributions to the country.