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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

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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For sale
$249,000
278 OGIMAH Road, chief's point indian reserve #28, Ontario

278 Ogimah Road

Chief's Point Indian Reserve #28, Ontario

A place to hang your Heart! This 3 bedroom, 1 bath family cottage is spacious, solid and is situated on a large, private lot. The area of Chief's Point is quiet, family friendly and open to many activities for those who wish to boat, fish, ATV or access walking trails. There is Sauble River access just 5 minutes down the street. All of the rooms are spacious with the cathedral ceiling and open living space of kitchen, dining and living room. The wrap around deck across the front and east side of the cottage has the front entrance to cottage. A rear entrance from the kitchen opens onto a back deck and out to your private back yard. Come and enjoy this wonderful 4 season playground. Lease amount is $ 5,800 and Service Fee $ 1,200 yearly. There are no land taxes to be paid. (id:22681)

3 Bedroom 1 Bathroom 875

Wilfred Mcintee & Co Ltd Brokerage (Sb)

For sale
$672,000
384 URSTADT Street, georgian bluffs, Ontario

384 Urstadt Street

Georgian Bluffs, Ontario

Welcome to this stunning contemporary bungalow nestled in the highly coveted area of Georgian Bluffs! Boasting a captivating exterior with modern clean lines, this one-of-a-kind property is sure to turn heads. This home was designed and built by 'Urstadt Construction' and features an impressive floor plan with three main floor bedrooms, a sleek bathroom, and an open-concept living space. The updated kitchen is a chef's dream, adorned with beautiful stainless steel appliances, while the bright dining room, illuminated by skylights, leads to a spacious tiered deck – perfect for outdoor entertaining. Enjoy the convenience of a main floor laundry, storage cabinets, and garage access. The lower level offers ample natural light through extra-large windows, highlighting the expansive finished recreation room, additional bathroom, and storage areas. A generously sized utility room provides space for your workshop or hobbies and includes a workbench for your tools. Plus, enjoy practical walk-up access to the side yard. With a brand-new metal roof installed in 2021. The geothermal heat pump provides economical, quiet and clean heating and cooling year round. NO oil or propane or natural gas bills. Sellers hydro cost are approx. $80 per month. This lovely home is as stylish and ready for you to move in and make it your own! Schedule your viewing today. Seller would consider holding a first mortgage. (id:22681)

3 Bedroom 2 Bathroom 2124

RE/MAX Grey Bruce Realty Inc Brokerage (Os)

For sale
$824,900
106 DRIVE IN Crescent, georgian bluffs, Ontario

106 Drive In Crescent

Georgian Bluffs, Ontario

Nestled on the outskirts of Owen Sound, this Georgian Bluffs residence offers a tranquil retreat surrounded by lush, meticulously manicured gardens. Boasting a sprawling 3-acre lot, this property presents an opportunity to transform your aspirations into reality. With a perfect blend of historical charm and contemporary accents, this home exudes elegance and sophistication, promising a lifestyle of tranquility on the outskirts of the city. Situated in a highly desirable school district, the residence provides convenient access to the shopping and amenities of Owen Sound, creating an ideal balance between seclusion and convenience. The detached garage/workshop, measuring 23'x24', features rough-ins for heating systems, offering ample space for storage and projects. Featuring abundant open and covered outdoor areas, the property invites residents to enjoy the serene surroundings in all seasons. Inside, the spacious interior provides a comfortable and inviting living space, perfect for both relaxation and entertaining. Presenting a unique opportunity, this property is a true gem waiting to be discovered and appreciated. Contact a REALTOR® today to schedule a private viewing and experience the allure of this remarkable estate firsthand. (id:22681)

2 Bedroom 2 Bathroom 2726

Exp Realty

For sale
$725,000
238 LAIRD Lane, southampton, Ontario

238 Laird Lane

Southampton, Ontario

Welcome to your dream cottage in the breathtaking Southampton Beach area! Get ready to be enchanted by this charming year-round home, a true gem that has been waiting just for you! Nestled among majestic cedars on one of Southampton's tranquil lanes, this haven is a mere 5-minute stroll away from mesmerizing nightly sunsets and a warm, welcoming sandy beach that awaits your presence. Originally built in 1991, this enchanting abode underwent a substantial renovation in 2014, transforming it into a delightful fusion of classic charm and modern comforts. As you step inside, an open-concept layout greets you, featuring a splendid kitchen, dining area, and a living space adorned with a beautiful stone fireplace - perfect for cozy gatherings with friends and family. With three lovely bedrooms, a stylish 4PC bathroom, and convenient laundry facilities, every aspect of comfort has been thoughtfully considered. You will revel in the luxury of updated windows, top-notch insulation, a tankless water heater, and the inviting allure of engineered hardwood flooring throughout. Prepare to be amazed by the tastefully appointed kitchen, boasting elegant quartz countertops and a custom dining table that adds a touch of sophistication to every meal. Outside, the property is a sight to behold, with impeccable curb appeal in the front and a peaceful haven of privacy in the back. The thoughtful construction includes a 2 1/2-foot crawl space offering storage possibilities, thanks to a concrete floor and efficient spray foam insulation. Now, imagine this remarkable property having played numerous roles for its current owners: a cozy year-round home, a cherished family retreat, and even a potential income property. This incredible property is being offered completely furnished, turnkey, and ready to embrace the life you have always envisioned. Step into a new beginning, do not wait any longer. This is where you truly want to be. (id:22681)

3 Bedroom 1 Bathroom 924

Sutton-Huron Shores Realty Inc. Brokerage

For sale
$949,900
469 MARKET STREET, port elgin, Ontario

469 Market Street

Port Elgin, Ontario

Take the leap into your dream home at 469 Market Street! This modern marvel, boasting Net Zero efficiency, is waiting to welcome your family with open arms. Picture yourself in the spacious main floor with high ceilings. The primary bedroom is large and bright with an ensuite attached and walk in closet. Upstairs offers even more delights - a bonus room, balcony for starlit evenings or your morning coffee, a 5 piece bathroom, and two more cozy bedrooms. The unspoiled basement with high ceilings and roughed in bathroom is your blank canvas to create the ultimate retreat. Seize this opportunity now and make 469 Market Street your forever home! Located right between the beach and downtown, this is a prime location in Port Elgin. (id:22681)

3 Bedroom 3 Bathroom 2369

Royal LePage Exchange Realty Co.(P.e.)

For sale
$509,900
522 CORK Street, mount forest, Ontario

522 Cork Street

Mount Forest, Ontario

First Time Buyers and those looking for an Upgrade, look no further. 522 Cork St is just the home you have been looking for. This beautifully cared for semi detached home is located in one of the best areas of Mount Forest. Just steps away from ALL of the following: New Park, Soccer Fields, Skate Park, Sports Complex with Indoor Walking Track, Trails and the future site of the Mount Forest Pool. As you walk up the paved double wide driveway, you will see the nicely cared for shrubbery and gardens. The main floor has a nice open concept flow which was ahead of its time. The dining room features a sliding glass door which walks out onto the expansive rear deck and patio. The large Living Room window and sliding glass door allow tons of natural light to flow into the living space. The 2pc bathroom on the main floor makes hosting friends and family convenient. On the second floor are 3 bedrooms and a 4pc bath which the primary bedroom has en-suite privilege's. In the finished basement there is more room for the family with a recreation room and another 2pc bathroom for convenience. This home has been well cared for by its owner over the past 29 years. The main floor and 2nd floor have seen all new windows (North Star) and doors (Front and Sliding) 2017, roof 2022, main level flooring and carpet on stairs and hallway 2020, main level bathroom 2020, Owned Hot Water Tank 2021. This beautiful family home is ready for the next family to move in and make lasting memories of their own. Sit back and relax knowing that this home is move in ready. (id:22681)

3 Bedroom 3 Bathroom 1600

Coldwell Banker Win Realty Brokerage

For sale
$1,190,000
403 ECKFORD Avenue, southampton, Ontario

403 Eckford Avenue

Southampton, Ontario

Welcome to your private oasis by Lake Huron! This stunning lakeview home offers the perfect blend of tranquility, luxury, and potential for lucrative short-term vacation rentals. With over three bedrooms and three bathrooms, this spacious retreat promises comfort for both family gatherings and rental guests seeking a memorable escape. Nestled amidst lush foliage, this property boasts a captivating garden that serves as your own slice of paradise. Imagine sipping your morning coffee surrounded by vibrant blooms and the soothing sounds of nature, just steps away from the pristine shores of Lake Huron. As you step inside, you're greeted by an open lofted concept design adorned with soaring windows that flood the space with natural light. The expansive living area seamlessly flows into the dining and kitchen areas, creating an inviting space for entertaining or simply relaxing with loved ones. Whether you're cooking up a feast in the gourmet kitchen or unwinding by the fireplace after a day of exploration, every moment is infused with a sense of serenity and comfort. The main floor features multiple bedrooms and bathrooms, providing ample accommodation for guests or family members. Upstairs, the loft area offers additional sleeping quarters or a versatile space that can be tailored to your needs. One of the highlights of this property is its potential for short-term vacation rentals. With its picturesque location and modern amenities, this home is sure to attract travelers seeking a memorable getaway by the lake. Whether you choose to enjoy it as your own private retreat or capitalize on its rental potential, this lakeview oasis offers endless possibilities for relaxation and investment alike. Don't miss out on the opportunity to make this dream home yours – schedule a viewing today and experience the allure of lakeside living at its finest! (id:22681)

4 Bedroom 3 Bathroom 2800

Royal LePage D C Johnston Realty Brokerage

For sale
$589,000
314 TYENDINAGA Road, point clark, Ontario

314 Tyendinaga Road

Point Clark, Ontario

Tastefully remodelled bungalow in desirable Point Clark municipality. This home has undergone extensive renovations to make this into the owners own personal touch. Open floor plans enable family to enjoy all aspects of the kitchen, dining and living room with direct access to the deck from the Dining area. Three bedrooms along with a remodeled 4pc bathroom completes the main living. Property also features a large 1.5 car garage with room to spare for storage and workshop area. This all sits on a large 115 foot frontage lot on a quiet street in Point Clark. Short stroll to sand beach and Historical light house for the family to enjoy cottage style living year round. (id:22681)

3 Bedroom 1 Bathroom 1100

RE/MAX Land Exchange Ltd Brokerage (Pc)

For sale
$634,900
483 ALICE Street, southampton, Ontario

483 Alice Street

Southampton, Ontario

Looking for a Southampton home to call your own? This four bedroom raised bungalow could be just what you’ve been waiting for! Boasting lovely curb appeal, this home sits on an extra deep lot in a quiet area of town while still being close enough to enjoy all the amenities that Southampton has to offer including shops, restaurants, cafes, playgrounds, the Saugeen River and of course the amazing sandy shores of Lake Huron! The upper level has three spacious bedrooms, a beautifully remodelled 4 piece bathroom, kitchen, living room and separate dining room that has patio doors out to a large deck overlooking the 200+foot yard. The lower level offers a fourth bedroom, workshop/office, 2 piece powder room and bright laundry area with sink and a separate entrance for easy access to the backyard and covered patio. New gas furnace and a/c in 2022, and attached double car garage. Freshly painted, solid hardwood floors and updated windows show that this home has been loved by the same family since it was built in 1989. Looking for new owners to love it as much as they have. Let this be the place you call home. (id:22681)

4 Bedroom 2 Bathroom 1612

Royal LePage D C Johnston Realty Brokerage

For sale
$629,900
1050 WELLINGTON Street, port elgin, Ontario

1050 Wellington Street

Port Elgin, Ontario

Welcome to 1050 Wellington Street! This charming home in Port Elgin has been extensively updated, offering a perfect blend of modern convenience and classic style. As you enter, you'll be greeted by the warm ambiance of the living spaces, highlighted by the stunning kitchen finished with stylish live edge wood accents. The laminate flooring adds a touch of elegance and durability throughout the home. With 4 bedrooms and 1.5 bathrooms, there's plenty of space for the whole family to enjoy. The windows flood the interior with natural light, creating a bright and inviting atmosphere in every room. Step outside to discover the spacious deck, complete with a cozy gazebo, perfect for relaxing or entertaining guests on warm summer evenings. The double concrete driveway provides ample parking space, while the durable metal roof ensures years of worry-free living. Don't miss your chance to own this beautifully updated home in a desirable Port Elgin location. Schedule a showing today and experience the comfort and convenience it has to offer! (id:22681)

4 Bedroom 2 Bathroom 1948

Sutton-Huron Shores Realty Inc. Brokerage

For sale
$929,000
447077 10 Concession, grey highlands, Ontario

447077 10 Concession

Grey Highlands, Ontario

Deeded water access as well as a beautifully appointed 2,633 s/f raised bungalow on more than 1 acre of landscaped grounds in Eugenia. This home has been completely renovated and designed with single-level living in mind. You will be in awe of the attention to detail and high-end finishes. The main level offers a large functional foyer, main floor laundry, customized kitchen (2021), and a dining room with a WETT certified wood stove (2011) for cozy winter evening meals. This level also has a den, a large bright living room boasting a gas fireplace and walk out to the deck, 2 large bedrooms with walk-in closets, one being the primary bedroom with garden doors leading to a private deck, and its own private en-suite bathroom. The lower level with it’s separate entrance, offers 2 more generously sized bedrooms, a fourth bathroom and an abundance of space to add a living room and kitchen if an in-law suite is what you require. In the tranquil, treed yard you will find a large vegetable garden, shaded and sun filled areas for quiet relaxation and an expansive deck for entertaining friends and family. One of the two large storage sheds was built specifically as a drive shed for the lawnmower/snow-blower. In the second shed you can store your water toys to enjoy at the private deeded water access area restricted to “EEPHA Members” only. Ten minutes to Beaver Valley, 2 minutes to the lake, a short drive to Eugenia falls, trails and rivers, this year round home provides a four season playground for all to enjoy. There are so many fantastic features to this home. (id:22681)

4 Bedroom 4 Bathroom 2633

Century 21 In-Studio Realty Inc.

For sale
$629,900
345 CLYDE Street, lucknow, Ontario

345 Clyde Street

Lucknow, Ontario

Nestled in the heart of the neighbourly town of Lucknow sits this turn-key family home. Upon entering the front door, you will find a spacious foyer with lots of room for coming and going. There is also access to the garage and 2-tiered deck from this level. Hop up a few steps to the upper level with open concept living space. First, you have the large kitchen with island and plenty of cupboard space. The dining area boasts hardwood floors and an abundance of natural lighting with both a skylight and the impressive arched windows and vaulted ceiling. Cozy up in the sunken living room in front of the gas fireplace. Down the hall are 3 bedrooms and updated (2021), modern main bath. The laundry is also conveniently found on this level. Head on down to the fully finished basement where you will first enter family room with wet bar, wood burning stove and patio doors that lead out to your backyard. An additional 4th bedroom, 3 piece bath and utility room for storage round out the lower level space. Many upgrades and improvement over the past couple of years including: Wood stove (2022), furnace/heat pump (2023), countertops (2021), appliances (fridge, stove, dishwasher - 2020) and shingles (2016). Beautiful backyard that backs onto the Nine Mile River. All of this located on a quite street with only an 8 minute walk to local amenities on the main street. (id:22681)

4 Bedroom 2 Bathroom 2759

Lake Range Realty Ltd. Brokerage (Point Clark)

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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%.