these stupid fucks can't see that every dollar their incompetent asses spend to make things more affordable are actually doing the opposite. More unattainable promises made to fool the stupid into voting for these assholes.
That seems about right for a 5 year through a broker right now
https://www.ratehub.ca/best-mortgage-rates
Bond yields may push rates higher later this week though so tell him to get that rate locked today.
I disagree on your first point as we saw emergency (low) interest rates early in Harper's term in response to the Great Recession which spurred on housing.
On your other two points I wholeheartedly agree.
Trajectory started around 2002 so Harper's move was not at all needed but yes everything about being a Canadian has definitely gotten worse since 2015.