• They don’t need to collude, if you own a mortgage on a home and you’re renting it, a rate hike has just increased your costs and so you need to increase your price.

      It’s pretty well established that there’s a housing shortage.

        • The price is determined by the market but real estate in Canada is not an efficient market.

          Maybe greedy is not needed, but it’s my belief that landlords do not create a significant market force for additional housing in our market, which is the argument for their existence.