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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

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SHANNON DECKERS

Why Choose Us

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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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For sale Open House
$1,259,000
151 COBBLE BEACH Drive, kemble, Ontario

151 Cobble Beach Drive

Kemble, Ontario

Welcome To Your Cobble Beach Dream Home, A Stunning Former Model Residence With High-End Finishes And Designed For Both Comfort and Elegance (3059 SqFt Finished). Positioned To Capture The Serene Views Of Georgian Bay, This Property Boasts A Myriad Of Upgrades, Making It A Standout Offering In The Market. Step Inside To Discover A Chef's Kitchen, Where Cambria Countertops, A Large Island, A Farmhouse Sink And Porcelain Tiles Ensure A Delightful Culinary Experience. The Kitchen Seamlessly Flows Into The Living Areas, Highlighted By 16 Foot Coffered Ceilings And A Floor-To-Ceiling Stone Gas Fireplace, Perfect For Cozy Evenings. Double Doors And Custom Built-Ins Make Entertaining In Your Separate Dining Room A Breeze. Natural Light Floods The Home Through An Abundance Of Windows, Creating A Bright and Inviting Atmosphere. With Ample Bedrooms, This Home Accommodates Large Families Or Guests With Ease, While The Completely Finished Walk-Out Basement With 9 Foot Ceilings Offers Additional Living/Sleeping/Office Space, Rough-In For Wet Bar And Access To The Outdoors. Entertain In Style On The Balcony, Featuring Glass Railings For Uninterrupted Views Of Georgian Bay, Or Relax Amidst The Beautifully Landscaped Garden Equipped With A Hassle-Free Irrigation System. Double Car Garage With Inside Entry, Driveway Parking For An Additional 4 Cars And An Interlock Walk-Way That Leads To Your Front Door. Cobble Beach...This Is Not Just A House, This Is A Lifestyle. Don't Miss The Opportunity To Make This Exquisite Former Model Home Yours. Schedule A Viewing Now! Utilities Approximate - Water: $390/2 Months, Hydro: $102/Month, Gas: $120/Month (id:22681)

5 Bedroom 3 Bathroom 3059

Century 21 In-Studio Realty Inc.

For sale
$849,900
143 SIMPSON Avenue, tobermory, Ontario

143 Simpson Avenue

Tobermory, Ontario

Experience this elegant modern waterfront home or cottage situated near Tobermory on a serene, paved dead-end road. The entrance reveals beautiful oak hardwood floors, leading to a great room highlighted by a vaulted ceiling and large windows facing south towards the shimmering water. The open concept area features a kitchen equipped with custom Mennonite cabinetry, granite countertops, and an oversized pantry. The main floor offers a spacious master bedroom with an ensuite bathroom and a large walk-in closet, along with a welcoming foyer, a 2 pc bathroom, and direct access to the attached garage. Patio doors from the living area open to a substantial elevated wrap-around deck, perfect for enjoying panoramic views and entertaining. A loft above the great room serves as a peaceful reading nook or extra guest space. The upper level has two additional bedrooms and a 3pc bathroom. The partially finished lower level includes a massive family room, a large laundry room with bathroom rough-in, and a dedicated workshop, all benefiting from radiant in-floor heating. Exit directly from the lower level to the waterfront and additional deck space, ideal for hosting gatherings. The home features an attached insulated garage, plus a 18' x 25' detached garage for hobbies or storage, surrounded by lush perennial gardens. Explore the property further with the virtual tour available! (id:22681)

3 Bedroom 3 Bathroom 2245

Chestnut Park Real Estate Limited

For sale
$375,000
106 WASHINGTON Avenue, georgian bluffs, Ontario

106 Washington Avenue

Georgian Bluffs, Ontario

Unique opportunity to purchase vacant land in the pleasant, upscale neighborhood of Balmy Beach. Nestled between Old Beach Road and Balmy Beach Road, this rare opportunity of a prime piece of land offers the canvas for either your dream home or cottage retreat and is less than a 5 minute drive from Cobble Beach and Legacy Ridge Golf. Enjoy nearby access to breathtaking views, the pristine waters of Georgian Bay and the serene surroundings of this quiet family neighbourhood. Fall asleep to the soothing waves of the shoreline or cast your fishing line to try your luck. Have a boat you'd like to launch, it's no problem here as the Balmy Beach boat launch is just steps away! The area offers countless opportunities for a variety of activities, such as hiking, cycling and water recreation or simply unwind on the sandy beaches nearby. Embrace the opportunity to build your ideal oasis in this highly sought-after location. Nearby homes have natural gas and municipal water. (id:22681)

Century 21 In-Studio Realty Inc.

For sale
$649,900
9 CHARLOTTE Street, walkerton, Ontario

9 Charlotte Street

Walkerton, Ontario

Welcome to 9 Charlotte Street in the town of Walkerton. This well maintained home offers panoramic views of the town and is a must see. Upon entering the home you’re greeted with a large foyer, open-concept updated kitchen with large island and granite tops, large dining room with patio doors that lead to a large deck. The main floor also has a full updated bathroom and two nice sized bedrooms. Downstairs in the lower level you’ll find a large rec room with a gas fireplace and lots of room for hosting or entertaining. Also, laundry, 2 piece bathroom and a third bedroom. Once out back, you can’t help but appreciate the updated landscaping throughout, with multiple private sitting areas and a large backyard to enjoy. (id:22681)

3 Bedroom 2 Bathroom 1558

Exp Realty

For sale
$149,900
PT LT 1 BRUCE COUNTY ROAD 10, georgian bluffs, Ontario

Pt Lt 1 Bruce County Road 10

Georgian Bluffs, Ontario

TERIFFIC 1.81 ACRE LOT FOR SALE ZONED RU WITH SOME EP. GREAT CENTRAL LOCATION WITH 379.8 FEET OF FRONTAGE ON COUNTY ROAD 10. EVEN A LOVELY POND ON THE NORTH SIDE OF THE LOT, CURRENTLY SNOW MOBLE TRAIL IN USE. (id:22681)

Royal LePage Rcr Realty Brokerage (Wiarton)

For sale Open House
$585,000
615 MALLORY BEACH Road, south bruce peninsula, Ontario

615 Mallory Beach Road

South Bruce Peninsula, Ontario

Introducing your lakeside sanctuary on Mallory Beach. This four season one level 3 bdrm bungalow with a bunkie is nestled in the serene beauty of Georgian Bay, so you can enjoy the stunning Bruce Peninsula year-round. This haven offers exclusive access to the sparkling waters just steps from your door, allowing you to indulge in the ultimate lakeside living experience. Inside, you'll discover the charm and comfort of this stunning home, with engineered hardwood throughout the main floor. The living room has an abundance of natural light, offering captivating views of the Bay. For cooler evenings or winter days, cozy up by the living room’s propane fireplace surrounded in natural stone. The kitchen features beautiful quartz countertops, bead board cabinetry, and a stone tile backsplash. The primary bdrm is a tranquil oasis, complete with a walk-in closet and sliding glass doors leading to a private outdoor sitting area, perfect for savouring your morning coffee. As well, the home boasts a heated, detached two-bay garage, equipped with 200 amp service and insulation in 2022, providing ample space for your vehicles and storage needs. The bunkie complete with hydro provides a comfortable and inviting space for hosting friends and family. This property has been meticulously maintained and showcases many recent upgrades, including garage furnace 2022, water treatment system in 2021, board and batten vinyl siding in 2021, a new roof in 2015, and a new deck in 2018, new washer and dryer 2023, fire place insert 2023, Garage door opener 2023, pond pump, drywall insulation (garage) 2023. Plus, with a Generac generator installed, you can rest easy knowing your home is ready for any power outages. Don't miss the opportunity to make this lakeside retreat your own. Experience the serenity and endless possibilities it offers, where every day feels like a getaway amidst the beauty of Georgian Bay. (id:22681)

3 Bedroom 1 Bathroom 1015

Keller Williams Realty Centres

For sale
$949,800
5 COBOURG Street Unit# 200, goderich, Ontario

5 Cobourg Street Unit# 200

Goderich, Ontario

Elegant, carefree, living awaits at Goderich's most exclusive address - 5 Coburg Street. Situated in a park-like setting with mature trees and hedges, featuring partial views of Lake Huron, Unit 200, known as The Upper Canada Suite, is the largest condominium, with over 1,800 square feet, of main level living. The whole building was transformed in 2017 to create 5 condominiums. An abundance of tall windows, bathe this stunning home with natural light. Most rooms have been re-painted and new light fixtures added in the past 2 years. Luxurious finishes, including hardwood and tile flooring, bay windows in the principal rooms, coffered ceilings, crown moulding and 10’ plus, ceilings make this home truly one-of-a-kind. Entertaining in the designer kitchen, complete with new pantry, light fixtures and shelving, featuring high-end appliances, including an induction stove, an island with a granite counter and massive window seat. The adjacent, family room features a fireplace, built-in cabinetry, with wine fridge and wet bar. The spacious primary suite, features a 14' walk-through closet, fireplace and elegant 4-piece ensuite, with walk-in shower and gorgeous, soaker tub. The formal living-dining room, overlooks the courtyard and pool and features a gas fireplace. A second bedroom/office and 3-piece bathroom complete this stunning home. You will enjoy your private and exclusive-use of the stone terrace, perfect for entertaining on summer evenings, overlooking the fully fenced, courtyard, with immaculate grounds and gardens and in-ground pool. Additional common amenities, include a wood panelled library/exercise room with a brick fireplace, an elegant guest suite, with a 3-piece ensuite and your exclusive, spacious, heated, storage locker. Enjoy your exclusive parking space in the multi-car garage, complete with EV charger. Steps to Lake Huron’s sand beaches and boardwalk, downtown restaurants, shopping, theatre and more, this property has it all. (id:22681)

2 Bedroom 2 Bathroom 1874

Coldwell Banker Peter Benninger Realty

For sale
$425,000
29 EMERSON Avenue, sauble beach, Ontario

29 Emerson Avenue

Sauble Beach, Ontario

Located just a short walk to the Beach and the downtown shopping area of Sauble, this well maintained 3 season cottage sits on a large 100' x 149' lot and features a west facing 10'x20' deck to enjoy the Sauble sunshine. The interior of the cottage includes 3 good sized bedrooms (all with closets/storage), an open kitchen/dining/living room area and an updated 4pc bath. Additional highlights include a wall mounted mini split which provides the cottage with both air and heat, 40yr shingles (applied in 2010) and an 8'x8' storage shed in rear yard. If you are looking for a great Sauble cottage for investment/short term rental opportunities that is close to everything but away from the crowds or your family is ready to start making your own summer memories, this might be the perfect cottage! Immediate possession available. (id:22681)

3 Bedroom 1 Bathroom 748

Brand Realty Group Inc.

For sale Open House
$749,900
642 8TH Street W, owen sound, Ontario

642 8th Street W

Owen Sound, Ontario

Fantastic location! 2 story semi-detached home located on a quiet street close to Hillcrest and West Hill Schools. Walking distance to many amenities including a grocery store and a drug store. Over 2500 square feet the house features a large great room with fireplace and walkout to a large pressure treated deck. Kitchen is large with an island and quartz counter top. There's hardwood flooring throughout the main level and upstairs hallway. The bathrooms and laundry room are ceramic tile. Master ensuite has acrylic shower and quartz counter top. Bedrooms and downstairs family room are carpet. 4 piece family bathroom and 3 piece lower level bathroom have laminate counter tops. 4th bedroom is located in lower level. Laundry room has cupboards an laminate countertop. Your choice of fireplace in the main floor living room or the lower level family room. Fully covered front porch, concrete drive and walkway to front door. Finished garage with automatic door opener. Shouldice stone exterior on majority of front and around entire main level. 10' x 12' pressure treated deck in back. High efficiency gas, forced air furnace. Heat recovery ventilation system exhausting the air from bathrooms, laundry and kitchen. Central air conditioning. Fully sodded yard. (id:22681)

4 Bedroom 4 Bathroom 2505

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale Open House
$699,900
835 7TH Avenue W, owen sound, Ontario

835 7th Avenue W

Owen Sound, Ontario

Semi-detached bungalow located on a quiet avenue minutes from schools, grocery stores, drug stores, and much more. Featuring 2800+ square feet of living space with kitchen, dining and living room that opens out to a large covered deck. Master bedroom and den on the main floor and a fully finished basement with 2 bedrooms and an option for a 3rd bedroom. Master bedroom has a large window, walk-in closet, and separate bath and shower with quartz top vanity. There's hardwood flooring throughout the main level except where there's ceramic in the bathrooms and mudroom/laundry room. 2 piece main floor powder room has laminate countertop and 3 piece lower level bath has acrylic shower and laminate countertop. Large kitchen with island and quartz countertop. Ceilings on the main floor are 9' and lower level ceilings are 8'. Sholdice stone exterior around the entire main level and vinyl shakes above the garage and covered front porch. Concrete driveway as well as concrete walkway from driveway to front porch. Fully covered, 10' x 12' pressure treated back deck. Rough in for a central vac system. High efficiency gas, forced air furnace and central air conditioning. Heat Recovery Ventilation system exhausting the air from all bathrooms, laundry and kitchen. Fully sodded yard. (id:22681)

3 Bedroom 3 Bathroom 2862

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$537,900
45 BROWNLEE Street S, teeswater, Ontario

45 Brownlee Street S

Teeswater, Ontario

This GORGEOUS property has recently been fully renovated by a reputable tradesman. Renovations include Insulation, Siding, 200-amp electrical service, steel roof, windows, new front porch, and new water heater! This BRIGHT 3 Bedroom has a BRAND new kitchen, all new flooring with new custom trim. 2 COMPLETELY new 4 piece bathrooms. Outside FEATURES a 28 x 24 ft. garage and 14 x 16 INSULATED shed. You can enjoy this AMAZING house within walking distance of Downtown Teeswater, schools and a great community center! Seller is a Licensed REALTOR®. (id:22681)

3 Bedroom 2 Bathroom 1716

Century 21 Heritage House Ltd.

For sale Open House
$663,000
457 WELLINGTON Street E, mount forest, Ontario

457 Wellington Street E

Mount Forest, Ontario

Looking for the perfect bungalow for easy living with 2 bedrooms, 3 full bathrooms and 2,400+ sqft of finished living space? This 3 year old townhouse located in Mount Forest close to open space, parks and more is the perfect fit. The number of upgrades to this unit is surely to please. As you walk up to the home you'll notice the stamped concrete sidewalk and stairs along with the custom stone finish on the front porch. New quartz counters with barstool overhang, backsplash, custom drawers in all lower cabinets and undermount cabinet lighting can all be found in the kitchen which has a beautiful open flow to the Dining Room and Living Room. The main floor has a large primary bedroom with his and hers (Walk in) closets as well as a nice 4pc en-suite. The second bedroom is at the front of the home as well as the 4pc main bath. Just off the entrance from the attached garage is the main floor laundry room to make 1 level living convenient and attainable. Downstairs is a large storage room with custom closets on either side as well as space for a home office. Entering the basement recreation room your eyes will be drawn to the custom stone finished gas fireplace which is ideal to enjoy the cold winter nights in-front of with a drink and book. There is also a nice 3pc bathroom in the basement as well as plenty of room to put a 3rd bedroom if needed. Walking into the backyard from the sliding doors you will notice the custom stairs with railing down onto the patio overlooking the landscaped rear yard with garden shed. Too sunny? Roll out the awning to enjoy some shade when needed. This great home in a modern neighbourhood is surely going to please. (id:22681)

2 Bedroom 3 Bathroom 2418

Coldwell Banker Win Realty Brokerage

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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%.