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SHANNON DECKERS

Not Just Another Realtor®

Welcome. It is my sincere hope that you come to see the potential that Grey Bruce has to offer you.

As a skilled full-time realtor, I am dedicated to guiding you through purchasing and selling real estate in Canada’s playground. Let’s walk through it together and find the place for you to call home.

Extensive experience in the Owen Sound area

Specializes in buying and selling residential, rural properties

Has the local knowledge needed for buying and selling in Grey & Bruce Counties

YEAR EXPERIENCE

HOUSES PURCHASED

HOUSES SOLD

BOTTLES OF PERRIER

SHANNON DECKERS

Why Choose Us

Z

Honesty

Truthful assessments and real estimates based on current markets.

Availability

Always ready to set up viewings and meet at your convenience. Only ever a phone call away, Shannon is quick to reply with useful and knowledgeable information.

Determination

Working tirelessly to find the best house at the best price, and showcasing your home in the best possible light.

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LOADING

For sale
$1,700,000
34 B LINE, arran-elderslie, Ontario

34 B Line

Arran-Elderslie, Ontario

Welcome to your dream retreat – tranquil country living on 65 acres of pristine land. This property offers a beautiful 4-bedroom home, equestrian amenities, a 2-acre stocked pond, a heated workshop with a 3-bay drive shed, breathtaking views, and endless outdoor possibilities! This beautiful home has ample space for relaxing or entertaining, offering 4 bedrooms and 2 full baths, with an additional half bath in the partially finished basement. Perfectly climate controlled with a new Mitsubishi central ducted heat pump. Take in the truly serene landscape from your new cellular PVC, maintenance free deck, or explore the managed bush trails, perfect for horseback riding, snowshoeing, or leisurely strolls through the mixed bush with meandering spring-fed streams. Go for a relaxing cruise on the 16x12 floating platform and enjoy the picturesque beauty of the 2-acre stocked pond, with its crystal-clear waters. Discover the beauty of the orchard in bloom with pear, apple, cherry, and plum trees. Wait for each surprise as perennials burst into flower throughout the growing season. The workshop and drive shed are perfect for the hobbyist or craftsman. The heated woodworking shop (propane), ensures year-round comfort and productivity. The 3-bay drive shed provides ample space for projects and storage. Your horses will feel right at home in the four box stalls with comfort stall matting, a large run-in with heated water line to the automatic water bowl, and three fenced paddocks. Plus you’ll enjoy the convenience of the heated tack room! There is also a large weathertight mow to store 1,000 bales high and dry over the winter. Don’t miss this amazing opportunity to own a unique equestrian estate not far from the quaint village of Paisley. (id:22681)

4 Bedroom 3 Bathroom 1580

Royal LePage D C Johnston Realty Brokerage

For sale
$999,000
204 BRUCE RD 9, colpoy's bay, Ontario

204 Bruce Rd 9

Colpoy's Bay, Ontario

Nestled along the tranquil shores of Colpoys Bay, this stunning 4-bedroom, 2-bathroom home offers an idyllic blend of comfort and natural beauty. This turn-key investment can come furnished, so its move in ready! With a road between the property and waterfront, it provides easy access to a large section of waterfront, ideal for swimming, boating, and fishing. Wake up to breathtaking sunrises over the bay, setting the scene for a perfect day of relaxation or adventure. Conveniently located close to Wiarton, residents will enjoy easy access to all amenities including schools, banks, grocery stores, shops, and restaurants, ensuring a comfortable and convenient lifestyle. Don't miss out on this rare opportunity to own your own waterfront oasis in Colpoys Bay, where every day feels like a vacation. Schedule your viewing today and start living the waterfront lifestyle you've always dreamed of! (id:22681)

4 Bedroom 2 Bathroom 2094

Keller Williams Realty Centres

For sale Open House
$850,000
433 8TH A Avenue E, owen sound, Ontario

433 8th A Avenue E

Owen Sound, Ontario

First time on the market. This beautiful home with 4 bedrooms all on the second floor featuring hardwood floors through out the main floor and the second floor. Upgraded ensuite master bedroom bathroom. Upgraded kitchen with beautiful quartz counter tops in the kitchen with the benefit of nook area and access to private back deck and yard. Larger backyard due to it's pie shape. Entertainment made easy with main floor family room, good size dining room and living room. A fully developed lower level with a 3 piece bath, bedroom and two other decent sized rooms for a exercise, media room or workshop. Double car garage 20 x 17 and interlocking stone driveway. Pie shaped lot in desirable neighborhood. Inground irrigation system. Located in a circle, in a quiet family neighbourhood with park nearby. Easy access to main amenities. Well maintained home, perfect for the family. (id:22681)

5 Bedroom 4 Bathroom 3111

Homelife Bayside Realty Ltd Brokerage
Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$639,000
84470 SIDEROAD 6, meaford (municipality), Ontario

84470 Sideroad 6

Meaford (Municipality), Ontario

First floor living in a picturesque and tranquil setting! Located just outside of Bognor on a quiet road, you'll find this completely renovated bungalow. Situated on a two acre lot with a pond in an ideal country setting. This six year old home has seen significant upgrades in the last year. Tastefully designed, there is an open concept living room and eat in the kitchen with a beautiful live edge island. Off the living room you can step onto the large back deck and take in the beautiful view of your own pond and the surrounding open fields. The primary bedroom is just off the living room with easy access to the new three piece bath. Just down the hall there are two more bright bedrooms, with amazing views from each window, and a full bath. This home couldn't be better designed for first floor living with main floor laundry and no stairs. A large five foot crawl space below allows for plenty of extra storage. Located only 20 mins from Owen Sound, Meaford and Markdale, you can have your country lifestyle without giving up any amenities. Whether you are looking for retirement, investment, cottage or your perfect piece of paradise, this home could suit many lifestyles. (id:22681)

3 Bedroom 2 Bathroom 1103.8600

Exp Realty

For sale
$498,900
809 CONCESSION 7, kincardine twp, Ontario

809 Concession 7

Kincardine Twp, Ontario

Welcome to 809 Concession 7. This 1545 sq-ft house is a perfect starter home, a great place to retire (providing an easy ground level entrance and a walk-in shower with everything you need on the main floor) or a great rental investment property for all of the Bruce Power expansions. This extensively updated & well maintained home is situated on a private and spacious lot (over a quarter of an acre!) Conveniently located just 9 minutes to Kincardine and 15 minutes to Bruce Power. Exterior features a Large 70 by 181 foot lot with a storage shed, a 12x24 mini barn/lofted garage, a spacious covered porch, a huge concrete driveway and a new roof! Interior features; a kitchen w/updated appliances and plenty of cupboard space, an open concept living/dining room w/ductless heat & A/C, a gorgeous new 3 piece bath and 2 bedrooms. The full finished basement provides many options to enjoy, there is an enclosed laundry space, a 2 piece bath, a den, 2 bedrooms and another room that can be used as storage, an office or whatever it is that you may need. Upgrades include; 2020 - Mudroom addition, den/third bedroom added in the basement with an egress window, a 2 piece bathroom in the basement, new window glass on the main floor, a 12x24 mini barn/lofted garage, a generator hook up, a heat pump & a/c wall unit installed on the main floor. 2022 - Concrete driveway, municipal water hook up, all new drainage tile, new washer & fridge. 2023 - New bathroom w/walk in shower on the main floor, new roof, new back deck & covered porch, new dryer & dish washer, interior of the house professionally painted. 2024 - New 200 amp panel box with new underground hydro hook up and a new weeping bed. A must see in person! Call your REALTOR® today for your own private viewing. (id:22681)

4 Bedroom 2 Bathroom 1708

Lake Range Realty Ltd. Brokerage (Kincardine)

For sale
$1,300,000
441353 CONCESSION 8 NDR, west grey, Ontario

441353 Concession 8 Ndr

West Grey, Ontario

100-acre haven of tranquility & adventure! Tucked away from the road, this recreational hobby farm encompasses a unique home, great outbuildings, trails, forest, ponds, 10+ workable acres & a stunning natural sanctuary. As you approach this grand post & beam home, you’ll be greeted by the rustic charm of barn board finishes. The 2.5 story residence, w basement & 1-car garage, features a delightful front porch – the perfect spot to soak in the serenity of your surroundings. The main floor encompasses a quaint dining area, cozy living room, office, convenient side entrance, 3pc accessible bathrm w walk-in shower. The kitchen, equipped with a JennAir stove w downdraft & grill, is complemented by stainless steel appliances. Ascend to the 2nd level where the primary bedrm awaits, accompanied by a 5pc bathrm. Two additional bedrms, a large linen closet, & walkout to the upper deck completing this level. The third-floor loft holds ample storage space & the potential for conversion into an additional bedrm or eclectic studio. The walkout finished basement is a multifunctional space, with a workshop, laundry, pantry, cold cellar, a 2pc bathrm, & a dedicated gun room for hunting enthusiasts. Additional features include a steel roof, wood stove, wood rm, 200 amp updated service, & Generac generator. Outside, explore the sprawling 100 acres w perennial gardens, separate pottery studio, large swimming/turtle pond, a relaxing hot tub, meandering stream & endless hiking trails. A large detached 30x 50ft. shop w a steel roof provides additional storage & workspace. The workable acreage w the mixed hardwood/softwood forest offers diverse possibilities. Just a short 10 min. drive to Hanover for all town amenities, shopping, & district hospital. 45 mins. to Owen Sound, Kincardine & the stunning waters of Lake Huron. Embrace the unique blend of this private rural retreat w convenient access to Grey & Bruce Counties – your gateway to a life of natural splendor and modern comforts. (id:22681)

3 Bedroom 3 Bathroom 3312

Century 21 In-Studio Realty Inc.

For sale
$929,900
383 RIDGE Street, port elgin, Ontario

383 Ridge Street

Port Elgin, Ontario

2 Separate Units is One House! This raised bungalow features a 3 bedroom, 2 bath unit on the main floor and a 2 bedroom 1 bath unit in the basement. Located at 383 Ridge Street in Port Elgin on the west side of HWY 21 with access to nearby nature trails that lead to the beach. Features of this model include, solid wood staircase, Quartz kitchen counter top on the main floor, hardwood and ceramic throughout the main floor, gas fireplace, sodded yard, partially covered 12 x 13'8 deck, concrete drive and more. HST is included in the list price provided that Buyer qualifies for the rebate and assigns it to the Seller on closing. House can be completed in approximately 90 days. (id:22681)

5 Bedroom 3 Bathroom 2584

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$2,200,000
484 CARLISLE Street, saugeen shores, Ontario

484 Carlisle Street

Saugeen Shores, Ontario

Welcome to a magical place where peace, fun, and adventure merge, all set against the stunning backdrop of the Saugeen River. This historic home, nestled in a verdant landscape, offers more than just living space; it's a portal to a life embraced by nature's beauty and community vibrancy, featuring sandy beaches and distinctive downtown shops. The estate, a testament to architectural ingenuity since 1858, now features two well-equipped kitchens with dishwashers, ensuring culinary endeavors are a breeze, especially during gatherings. An antique cook stove adds a historical charm, while two fireplaces spread warmth throughout, creating cozy sanctuaries for relaxation and family time. Outside, the property unfolds with a large, inviting backyard, a spring-fed pond, & a spacious hot tub for 11, perfect for entertainment or tranquil moments under the stars. A 6-bay detached garage caters to all your hobbies and storage needs, emphasizing the estate's versatility. The interior, fully furnished & thoughtfully redesigned, balances historical elegance with contemporary comfort. It offers ample space for both communal activities & individual solitude, amplified by large windows that capture the changing seasons. Living here means being part of a community where nature, leisure, & convenience converge. With a local elementary school nearby and healthcare facilities within reach, your family's educational and health needs are well taken care of. Discover this architectural marvel, where the legacy of The Bulls Head Inn harmonizes with modern luxuries. This home is not just a place to live but a foundation for a life full of joy, exploration, and growth. Embrace this opportunity to start a new chapter in Saugeen Shores, surrounded by natural beauty and ready for both grand adventures and peaceful moments. Don't let this dream escape; make this unique blend of past and present your own for an unmatched living experience. (id:22681)

8 Bedroom 2 Bathroom 4500

Keller Williams Realty Centres

For sale
$549,900
166 SECOND Avenue N, sauble beach, Ontario

166 Second Avenue N

Sauble Beach, Ontario

This charming 3 Season cottage is situated in one of the most coveted spots in Sauble Beach. Just 80 steps away from the sandy shores, you'll find yourself immersed in the breathtaking beauty of the shore line with some of the best sunsets. Not only that, but you're also a mere 600 meters from the vibrant downtown core, where you can indulge in the hustle and bustle of fantastic shopping, delectable food, and the company of wonderful people. With an array of activities for both kids and adults, this cottage offers the perfect retreat. Boasting three cozy bedrooms one bathroom, this turnkey haven has been lovingly cared for over the past three decades. It's truly a haven ready and waiting for your family to create unforgettable summer memories. (id:22681)

3 Bedroom 1 Bathroom 538.6400

Exp Realty

For sale
$299,000
489 13TH Street W, owen sound, Ontario

489 13th Street W

Owen Sound, Ontario

This home will be appealing to first time home buyers as well as investors. With 2 1/2 bedrooms, 1 bath, main floor laundry (with lots of room for a second washroom) Open concept kitchen dining and living area, upgrades were completed in 2019. A fresh coat of paint was just done and now all we need is a new family to call this their own. There is one car parking off of the back alley and the previous tenant parked a second vehicle in the front yard to make it 2 car. The neighbourhood is established and walking distance to Kelso and downtown shopping end entertainment. Truly a good one, don't hesitate. (id:22681)

3 Bedroom 1 Bathroom 1221.7800

Exp Realty

For sale
$839,900
840 SIDEROAD 15, arran-elderslie, Ontario

840 Sideroad 15

Arran-Elderslie, Ontario

This one-of-a-kind property possesses rural charm with elegant and tasteful modern finishings. Embrace farmhouse vibes in this fully restored brick home where rolling hills and breathtaking views await on this 1.46-acre property. Impressive features include 3 spacious bedrooms, 3 full baths, a large beautiful custom kitchen including a notable KitchenAid 36-inch gas stove with rangehood and stone countertops. Tiled floors throughout main level with all in-floor heating and gas fireplace creating a cozy and comfortable living experience. The attached 3 car heated garage will impress the car or hobby enthusiast with floor drains and lined with steel. Tons of concrete was poured in the parking pad including space for your work trailer or RV with hydro and septic hookup. A stunning wrap around front porch with propane firepit under the gazebo with a view for miles. Enjoy a relaxing dip in the hot tub on the back patio to end your day. Comprehensive well water treatment systems are all owned. The paved circular drive is a nice finishing touch to this picture-perfect country haven. (id:22681)

3 Bedroom 3 Bathroom 2255

RE/MAX Land Exchange Ltd Brokerage (Southampton)

For sale Open House
$1,550,000
86713 CAMERON Place, ashfield-colborne-wawanosh, Ontario

86713 Cameron Place

Ashfield-Colborne-Wawanosh, Ontario

Welcome to your dream home on the shores of Lake Huron! This magnificent 4-bedroom, 3-bathroom residence boasts over 3000 square feet of luxurious living space. As you step inside, prepare to be enchanted by the breathtaking views of Lake Huron that greet you from the living room, dining room, and master bedroom on the main level. The terrace doors from the living room open up to an expansive entertainment-sized deck overlooking the lake, perfect for hosting gatherings or simply soaking in the serene surroundings. Warm up by the charming propane fireplace in the living room as you enjoy the tranquility of lakeside living. The custom-designed kitchen is a chef's delight, featuring stunning handcrafted cabinets, built-in high-end appliances, quartz countertops, and custom light fixtures, all complemented by the stunning backdrop of Lake Huron. Downstairs, discover even more of the stunning lake views from both bedrooms and the large family room. Double terrace doors lead to a lower level lakeside patio, ideal for al fresco dining or simply relaxing and taking in the beauty of the lake. One of the lower level bedrooms features its own 3-piece ensuite and with the family room sporting a kitchenette, the lower level offers in-law suite potential, providing flexibility and convenience for guests or extended family members. Outside, a 1450 square foot shop awaits, complete with 200 amp hydro service, 9ft and 8ft tall overhead doors, a full cement foundation, excellent lighting, ceiling height to accommodate a hoist and a heated, insulated portion, perfect for storing vehicles, equipment, tools, toys or pursuing hobbies. Experience the ultimate in lakeside luxury and comfort in this exquisite home on a 1.18 acre executive sized lot, where every detail has been meticulously crafted to create a truly exceptional living experience and where the beach is an easy stroll away. (id:22681)

4 Bedroom 3 Bathroom 2538

Century 21 In-Studio Realty Inc.

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WHAT PEOPLE ARE SAYING

Featured Comments

“Shannon took the time to learn what we liked, and what we didn’t. As first time buyers, we had quite a learning curve, and she was very patient in teaching us. She went the extra mile to find just the right home we both loved, and was as excited for us as we were!”

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Doug & Sue Reider

WOODFORD, ON

“We have worked with Shannon Deckers now on three real estate transactions! She always goes above and beyond to make things work out. Her dedication to her job, whether assisting in a sale or finding that dream property, shines through in all she does. Truly a pleasure to work with!”

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Jennifer Ageeb

OWEN SOUND, ON

“Shannon did an amazing job selling our house in record time! She really goes above and beyond! I would highly recommend her as a realtor for both buying and selling.”

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Charlene Hellens

KITCHENER, ON

FEATURED PROPERTY LISTINGS

The Best of Real Estate in Grey and Bruce

Whether you’re looking for a new home, or you plan to build your dream home, these are some of the best properties for sale in Owen Sound and Grey Bruce.

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ONTARIO’S CREDITS AND PROGRAMS

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Canada’s Playground

Owen Sound, Ontario

Where Is Owen Sound?

Owen Sound, Ontario lies approximately two hours northwest of Toronto and is a central hub for all destinations in Grey and Bruce counties. Located approximately 30 minutes from Blue Mountain, one of Ontario’s most popular skiing and snowboarding destinations. Owen Sound and the surrounding area is warmly called home by over 30,000 people living at the base of Georgian Bay, where the Sydenham River and Potawatomi River converge. In the summer months you will find Owen Sound to be a thriving city in close proximity to Sauble Beach, a very popular destination for both local traffic and tourists alike, as well as many smaller towns with lots of activities and venues for recreation and relaxation. Owen Sound serves as a meeting point of four of Ontario’s provincial highways: Highway 6&10 from the south, Highway 26 from the east, and Highway 21 from the west.

Being established in 1851, Owen Sound includes many different types and styles of homes for sale. A prospective buyer will find century homes with original hardwood flooring and crown mouldings, intimate war-time houses suitable for retirement living or small families, split level bungalows, updated retro houses and a more modern flare of newly built houses in suburbs throughout the town.

Nature, Outdoors, and Activity
Owen Sound is located right on the Niagara Escarpment and is a matter of minutes from the Bruce Peninsula which boasts tall cliffs, incredible rock formations, great beaches and is home to the beautiful Bruce Peninsula National Park. The Park is famous for its many attractions, including ‘The Grotto’ with it’s crystal clear waters, ‘Fathom Five National Marine Park’, ‘Indian Head Cove’, as well as Cyprus Lake. The famed Bruce Trail that runs from Niagara to Tobermory also winds its way through the forests, woodlands, and rivers surrounding Owen Sound as it makes its way toward Wiarton and the Bruce Peninsula. Among these rivers are numerous local waterfalls that offer picturesque landscapes for events, recreation, and peacefulness. Owen Sound’s natural beauty will leave you breathless in its splendor.

Buying real estate in Owen Sound means you can spend your days doing things most people only dream of. In Owen Sound you can experience snowboarding and skiing, snowshoeing and hiking the Bruce Trail in the winter, the kilometers-long sand beach and waters of Sauble Beach and Port Eglin in the summer. You can live in some of Ontario’s most beautiful scenery if you invest in Owen Sound real estate. Owen Sound itself boasts a beautiful harbour, with many walking paths, trails, and parks to enjoy the extensive waterfront.

If you desire to escape the fast-paced city life with your own piece of land on which to build the home of your dreams, I can help you to find the perfect vacant lot or land for sale in Owen Sound. With both budget and luxury home builders in the area, incredible landscaping professionals and top-notch tradespeople, no size or complexity of home build is too great or small.

There are many homes for sale in Owen Sound and Grey Bruce areas, and with my extensive knowledge of the local area and my commitment to learning you and your likes and dislikes, I am confident that I will be able to find not just house that you like, but a place that you can call home.

Education
If you’re thinking of buying a home for sale in Owen Sound, ON and you’re wondering about the education available in Owen Sound, you won’t be disappointed. Owen Sound has three excellent secondary schools: Owen Sound District Secondary School (OSDSS) as well as Saint Mary’s High School (SMHS) and École St-Dominique Savio for those looking for a more private education. Owen Sound’s devotion to education begins in the earliest of years with many preschool and daycare centres available for young parents to choose from, including the Julie MacArthur Regional Recreational Center (YMCA). Parents of older children will be pleased to know of the many options for elementary age children, such as public schools (East Ridge Community School, Hillcrest Elementary School, Alexandra Community School, Keppel-Sarawak Community School) along with private schools (Timothy Christian School, Riverforest Montessori School). For those looking for post-secondary education, Owen Sound boasts a Georgian College campus with a wide assortment of courses available.
Local Amenities and Attractions
If you’re thinking of buying a home or vacant land in Owen Sound, you might be wondering about the amenities and services available in the area. While we can’t list everything, here’s a short list to give you an idea: Multiple elementary schools, two excellent high schools, a Georgian College campus with residencies close by, a developing shopping centre, unique and artisan shops, and lots of community parks with natural and man-made playgrounds. Owen Sound also boasts the largest and best-equipped hospital and medical staff in the area. Many fast-food restaurants are available for those on the go, but there are also numerous sit-down, fine dining options for those with a more refined taste. Owen Sound is home to multiple golf courses, some of which are well-renowned for the quality of their courses, as well as many museums that focus on our rich cultural background and significant history. With lots of programs for youth and adults alike, Owen Sound has something for everyone.

Owen Sound is also home to the Owen Sound and District Farmer’s Market; a local market that is open every Saturday morning throughout the year. The Market hosts a wide variety of local artisans and growers, and has been in the same location since 1868. Many other markets exist within a short drive from Owen Sound, in places such as Keady, Port Elgin, Southampton, Wiarton, Meaford, Thornbury and more!

If you are considering buying real estate for sale in Owen Sound, and you love to fish, then this is the place for you. Owen Sound’s annual Salmon Spectacular is famous and draws participation from all over Canada and the United States each year. Additionally, some of the largest rainbow trout in the world have been caught in Owen Sound.

RRSP HOME BUYER'S PLAN

This program allows you to withdraw up to $25,000 from your RRSP to buy or build a new home.
You can also use it to buy or build a new home for yourself or someone you know with a disability.

Home buyer's tax credit

The First Time Home Buyer Tax Credit is a non-refundable tax credit that helps homeowners recover closing costs such as legal expenses and inspections.

First-time buyers can claim up to $5,000 for the purchase of a qualifying home on their personal tax return on the year of purchase. You could net up to $750! However, you cannot have lived in another home you or your partner owned in the previous 4 years.

If you have a disability (I.e., you are eligible for the disability tax credit) or if you bought the house to improve accessibility for someone who is disabled, you do not have to be a first-time home buyer.

Genworth Canada Energy-Efficient Housing Program
Receive a 25% rebate when you build a home through one of Genworth Canada’s qualifying energy-efficient building programs or meet the prescribed minimum Natural Resources Canada EnerGuide requirements and fund it through a Genworth Canada insured mortgage.
Land Transfer Tax Refunds for First-Time Home Buyers

Under this program, if you’ve never owned a home anywhere before – ever – you could quality to receive a refund of the land transfer tax for the first $368,000 of the value of the home. The maximum amount of the refund is $4,000.

The biggest hurdle in qualifying for the maximum amount of this program is that all purchasers of the home must be first-time homebuyers. If one or more of the purchasers has owned a home anywhere in the world previously, the amount will be reduced.

GST/HST Tax Credit

The GST/HST new housing rebate gives back some of the GST or the federal part of the HST you paid – up to $1,500 – for new or substantially renovated house that is your primary place of residence provided that you meet all the eligibility requirements.

CMHC Green Home

If you buy, build or renovate for energy efficiency using CMHC-insured financing, you could receive a 15% rebate for building a home to ENERGY STAR standards or up to 25% for building a home to R-2000 building standards.

Northern Locations Energy Credit

Those living in a qualifying location can take advantage of the Northern Ontario Energy Credit. This tax credit allows single people to receive a credit on their taxes of up to $151 and allows families (including single parents) to receive up to $232.

The purpose of this program is to help Northern Ontario residents with the higher energy costs they face living in the north.

Ontario Every And Property Credit

Non-seniors can receive up to $1,043 while seniors can receive up to $1,187. Even students can receive a credit of $25 if any of their costs were related to energy costs, and if you live on a reserve or in a public long-term care home, you can receive up to $232.

Options For Homes
If you are looking to purchase a new condominium, this is a non-profit group that offers different ways of paying for a condominium, including loans and discounts, and offers down payment support.
They also offer a Condo 101 class that explains what someone should look for then they purchase a new condominium.
Habitat For Humanity

You can be a homeowner! Get of the rent rut with Habitat for Humanity. This group helps low-income families build and buy simple, decent quality, affordable homes through a no-interest mortgage with payments set at less than 30% of gross income. Instead of a down payment, families contribute their sweat equity

Municipal Land Transfer Tax Rebate Program

If you are a Canadian citizen or a permanent resident living in Toronto and you’re ready to buy your first home, don’t forget to register for the land transfer tax rebate. In conjunction with the provincial tax credit, you can get up to $4,475.00 back from the land transfer tax you pay when you buy your home.

Both new and existing homes qualify, but neither you and/nor your spouse can ever have owned a home before at any time anywhere in the world. Don’t delay, because to receive the entire rebate, your application has to be reviewed by the City of Toronto before the 10-day deadline is up!

Daniels FirstHome Boost Program

Daniels FirstHome has an innovative payment plan that is much more flexible and achievable in the midst of today’s fluctuating new mortgage rules. With locations throughout the Toronto area, this builder offers condos and townhomes in attractive neighbourhoods aimed at first-time home buyers.

The program offers an interest-free, 20-year forgivable loan for 10% of the down payment that, when added to the 5% that you need to put down, “boosts” your down payment to 15%. On top of that, you could also qualify for an additional $25,000 in financing. You don’t even have to have the whole 5% up front. All you need to get started is $3,500 when you sign the Agreement to Purchase and Sale, and then you can pay $1,000 a month after that until you reach the required 5%.