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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 Open House
$649,000
383 JOSEPH Street, port elgin, Ontario

383 Joseph Street

Port Elgin, Ontario

Welcome to The Sands at Summerside! Don't miss this impeccable bungalow loft townhouse located in a charming neighbourhood of Port Elgin. Offering just over 2000 square feet of living space, the main level is complete with intimate formal dining room, a modern sleek kitchen with quartz counter tops and a convenient Butler's pantry, and open concept living room with cozy gas fireplace and patio doors to the backyard. The sizeable primary bedroom includes a walk-in closet, and a 5 piece ensuite. The main floor also provides a laundry area and powder room. The bonus room in the loft overlooks the beautiful living room; there are two large bedrooms and a full bath as well. The basement is partially complete with an office area, and includes a rough-in for a 4th bathroom. This elegant home has been well-maintained; there are upgrades throughout. (id:22681)

3 Bedroom 3 Bathroom 2000

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale Open House
$539,000
304 12TH Avenue, hanover, Ontario

304 12th Avenue

Hanover, Ontario

Welcome to this charming 3-bedroom, 2-bathroom bungalow, perfect for those seeking comfort and convenience. Step inside to a warm, open living space that immediately feels like home. The highlight of the main floor is the custom-crafted dovetail kitchen cabinetry by Arbour Hill in Hanover, designed with both style and functionality in mind with high-quality finishes, ample storage, and a layout that makes every cooking experience a pleasure. The primary bedroom is a true retreat, featuring sliding doors that open directly onto the back deck, providing a private escape to your outdoor space. The other bedrooms are well-appointed, providing peaceful retreats at the end of the day. The Main floor bathroom features a tub/shower combo and vanity that maximizes storage. In the basement, you’ll find a convenient full bathroom/laundry room combination, achieving functionality and comfort, and large open concept recreation room, perfect for leisure and entertainment. Additionally, the basement offers a dedicated space ideal for homeschooling or setting up a home office. Outside, the fully fenced backyard is your private oasis. Watch the children play on the playground from your back deck, or enjoy an evening of roasting marshmallows in your fire pit area, the mature trees provide shade and privacy. The property also includes a 16'x32' garage built in 2023, providing extra storage for your tools and toys. This home is not just a place to live, but a space to create lasting memories. (id:22681)

3 Bedroom 2 Bathroom 2140

Century 21 In-Studio Realty Inc.

For sale Open House
$1,089,000
258 IRONWOOD Way, kemble, Ontario

258 Ironwood Way

Kemble, Ontario

Experience The Epitome Of Elegance & Comfort In This Stunning Luxury Executive Cobble Beach Townhome, Boasting Breathtaking Views & Luxurious Amenities. This Home Is A Perfect Blend Of Style, Functionality & Natural Beauty. Delight In The Stunning Vistas Of The 16th Hole, Georgian Bay And The Iconic Cobble Beach Lighthouse, Visible From Both Inside And Outside The Home. Enjoy The Warmth & Ambiance Of Your Living Room Gas Fireplace, Making It The Perfect Spot For Relaxation Or Social Gatherings. Your Gourmet Kitchen Is Equipped With Quartz Countertops, An Expansive Island, Built-In Wine Fridge, Upgraded Appliances, Soft Close Cabinets/Drawers & A Pull-Out Pantry, Perfect For All Your Entertaining Needs. Dual Primary Bedrooms/Ensuites, Where Would You Like to Sleep, Main Or 2nd Floor? Step Down From Your Covered Back Porch & Enjoy The Serenity With A Large Interlock Patio Featuring 2 External Gas Line Connections, For Your BBQ & Fire Table. The Oak Railing & Stairs Leading Up To The 2nd Level Add A Touch Of Sophistication And Timeless Charm. The Versatile 2nd Floor Family Room Is Complete With An Office Area, Offering Flexibility For Work Or Relaxation. The Lower Level Is Complete With High Quality Durable Luxury Vinyl Flooring, Large 2nd Family Room, 3 Piece Bath And Additional Storage Space. Captivating Views, Spacious Living Areas, Elegant Interior Design, Enhanced Lighting, Seamless Outdoor Access, Ample Storage Solutions, Engineered Hardwood (Main & 2nd), Porcelain Tiles, Upgraded Cabinets, Comfort Height Toilets W/Soft Close, Upgraded Hardware, Window Tint On Back Windows And Doors And Other Fine Finishes Make This Your Perfect Dream Home! Don't Miss This Rare Opportunity To Own A Piece Of Paradise! Whether You're An Avid Golfer, A Nature Lover, Or Simply Seeking A Tranquil Retreat, This Home Is An Ideal Choice. Condo Fee Includes: Windows, Roof, Siding, Eavestroughs, Snow Removal, Garden & Lawn Care. (id:22681)

2 Bedroom 4 Bathroom 2686

Century 21 In-Studio Realty Inc.

For sale
$1,695,000
59 MAPLE CREEK Drive, brockton, Ontario

59 Maple Creek Drive

Brockton, Ontario

Welcome to 59 Maple Creek Drive in the Municipality of Brockton. This custom built home sits on just over 4 acres, offers approximately 5700 square feet of living space and is located only minutes from the town of Walkerton. As you pull into this property along the paved drive you can’t help but notice the beautiful curb appeal of this home nestled within its mature lot. Upon entering the home you are greeted with the large great room and feature wall with built in fireplace and large window design. From there, entering the grand kitchen with in-floor heat, cherry cabinetry, granite countertops, oversized island, commercial appliances including a built-in deep fryer, and patio doors leading to the covered deck where you can enjoy privacy and stunning views. The main level also hosts the master suite with fireplace, dual closets and large ensuite with in floor heat, as well a loft suite located above the garage. Head down the oak spiral staircase and you will find a completely updated lower level with a large rec room, updated stone feature bar and lounge area with commercial appliances and large windows that allow lots of natural light. A great space with ample room to host or relax and an added bonus of in-floor heat throughout . Top the lower lever off with your own private theatre which is set up with leather recliner stadium seating. Finish the lower level off with two additional bedrooms, a full and half bathroom plus a walk out to the another beautiful sitting area. Outside you can’t help but be in awe of the oversized salt water pool with two waterfall features, jacuzzi tub a complete covered outdoor kitchen set up and a four season second hot tub sitting area. For the nature lover, there are private trails that wind throughout the wooded area leading to a cabin and private pond. This is truly a rare find with everything that is offered at this home and property. (id:22681)

4 Bedroom 5 Bathroom 5750

Exp Realty

For sale
$995,000
315338 HIGHWAY 6, chatsworth, Ontario

315338 Highway 6

Chatsworth, Ontario

Paradise for the outdoors lover, this property has so much to offer! 12.75 acres of mostly treed land hosts a brick bungalow with 1 car oversized garage, a 62’ x 32’ barn/workshop with full loft, 2 beautiful ponds (one with sprinkler system) and so much more. Main level living is available in the 1164 sq ft bungalow, where you’ll find a spacious bedroom with walk in closet and 2 pc ensuite, living room, kitchen, mudroom (with option for main level laundry) & another 4 pc bath. Patio doors lead out to the back deck with wedding cake style stairs overlooking the lovely yard and ponds. The lower level of the home offers a large rec room along with 2 other rooms with closets, suitable for your office or hobby room! In the mechanical room you'll find laundry, a new propane furnace installed in 2023, owned hot water tank, 2 sump pumps, and transfer switch for the included Generac generator. Out in the workshop, which has hydro and water, you’ll have plenty of space for storage, hobbies, and even your own man cave! Just down the road, a third driveway leads to another clearing for future opportunities. Call today for a viewing! (id:22681)

1 Bedroom 2 Bathroom 1164

Keller Williams Realty Centres

For sale
$525,000
182 BELCHER Lane, southampton, Ontario

182 Belcher Lane

Southampton, Ontario

Welcome to 182 Belcher Lane that's perfect for first-time buyers, a rental investment, perhaps your new cottage or those seeking a cozy space to downsize. This home boasts a simple layout that's easy to love and maintain. With three bedrooms, one bath, and main floor laundry, everything you need is within reach. Bring your own decorating ideas and make this property your own. Outside, a large deck and covered veranda offer peaceful spots to unwind, plenty of parking and care-free exterior. The Lake Huron sunsets & beach are just minutes away & there's always a breathtaking view waiting for you. If you're looking for a home that's simple, comfortable, and full of potential, this is it. Schedule your showing today! (id:22681)

3 Bedroom 1 Bathroom 850

Wilfred Mcintee & Co Ltd Brokerage (Southampton)

For sale
$559,000
209 BRUCE Street S, west grey, Ontario

209 Bruce Street S

West Grey, Ontario

2 storey home with 4 bedrooms, 1.5 baths and attached garage on corner lot in Durham. Spacious entry with closet, eat-in kitchen with updated appliances, powder room and huge living room all on main level. Second level with 4 bedrooms (all with closets) and full bathroom. Balcony off the primary bedroom. Handy entrance from the garage through an enclosed porch and in to the kitchen. Garage is 18’7x24’. Concrete driveway. Mature trees on two boundaries provide some privacy to enjoy the yard and fire pit. Breaker panel has been wired for hot tub. Shed 6x8. Natural gas furnace (10 years), gas hot water heater (rented), shingles (4 years). Great location! (id:22681)

4 Bedroom 2 Bathroom 2000

Royal LePage Rcr Realty Brokerage (Flesherton)

For sale
$449,900
636 JOHNSTON Crescent, kincardine, Ontario

636 Johnston Crescent

Kincardine, Ontario

636 Johnston Crescent presents a comfortable move in ready, affordable home. The 2 story,3 bedrooms, 1 1/2 baths, starter/family home is located very close to schools and close proximity to walking trails, churches, the community centre and shopping. The present owner has installed a new electrical panel, bath tub, ceiling fans, etc in recent years and painted many of the rooms in the home. The ample back yard is fully fenced, all appliances are as is. This move in ready home would be a fine place to make fond memories in! (id:22681)

3 Bedroom 2 Bathroom 1381

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$820,000
502814 9TH SIDEROAD WGR, bentinck, Ontario

502814 9th Sideroad Wgr

Bentinck, Ontario

Welcome to your dream property! First time on the market. Situated behind the mature trees and marsh is this charming bungalow on an expansive 31-acre lot, offering a perfect blend of privacy and space for the ultimate nature lover's paradise. As you step inside, you'll be greeted by a cozy living room featuring the original wood fireplace. Adjacent to the living room is a delightful 3-season sunroom, providing the ideal spot to relax, enjoy your morning coffee, or unwind in the evenings while soaking in the serene surroundings. The unfinished basement presents a fantastic opportunity for customization, allowing you to design the space according to your unique needs and preferences. Whether you envision a home theater, a game room, or additional bedrooms, the possibilities are endless. Outside, the vast acreage provides ample room for outdoor activities, gardening, or simply exploring the beauty of nature. That's not it! Also there is a barn/shop (with loft) measuring an impressive 32' X 60', you'll have plenty of room for all your hobbies, equipment, and storage needs. This property offers the perfect escape from the hustle and bustle of city life, providing tranquility and seclusion without compromising on convenience. Don't miss the chance to make this extraordinary bungalow on 31 acres your own. Schedule a viewing today and experience the serenity and potential this property has to offer. (id:22681)

3 Bedroom 2 Bathroom 1731

Century 21 Heritage House Ltd.
Century 21 Cedar Glen Ltd Brokerage

For sale
$399,900
PT LT 4 CONCESSION ROAD 8, west grey, Ontario

Pt Lt 4 Concession Road 8

West Grey, Ontario

4.88 acre building lot - Maple bush. Located on a quiet country road, just off a paved road. The winding driveway provides privacy and leads to a cleared area. Beautiful setting for a home. Good trails throughout the property. Only 10 minutes to Markdale, 10 minutes to Durham, steps to the Ferns Golf Course and hundreds of acres of County and Conservation lands. (id:22681)

Royal LePage Rcr Realty Brokerage (Flesherton)

For sale
$1,450,000
157335 7TH Line, meaford (municipality), Ontario

157335 7th Line

Meaford (Municipality), Ontario

Situated on top of a hill with panoramic views of the valley and Georgian Bay! This four-bedroom home exudes exquisite design, luxury and functionality. Completely remodeled, and renovated with a modern aesthetic and flair. With an abundance of windows, overlooking the valley and the bay, this home is airy, light, and bright. Step inside the cozy foyer, and let the home open up in front of you. Sweeping open concept and views galore! The stunning kitchen is a chefs dream! Beautiful white cabinetry, quartz counters, an island for mingling around. Entertain friends for dinner in the dining area off the kitchen. The living room is a perfect spot to read a book or watch the game - or stare at the Bay and the Valley in the distance. The Primary bedroom is perfectly located on the main floor and has a walk in closet, a stunning 4pc ensuite (complete with a glass and tile shower and double sinks) and patio doors to the balcony. Upstairs you'll find two oversized bedrooms with even better views, and a newly renovated bathroom. The lower level is complete with a 4th bedroom, laundry, family room and plenty of storage. The character and charm of this hillside gem is abundant everywhere! Plus! There's a double garage/shop that is spray foamed and heated - perfect for tinkering on all your toys. And if you need even more storage, there's a newly built shed for the lawn tractor and furniture. Imagine staring at the open sky and stars at night, while you have a bonfire with friends! This 2.2 acre property has it all! Geothermal heat is efficient and your only bill! No gas or water bills. Just minutes to Meaford and Thornbury - and not far from Blue Mountain or Beaver Valley Ski Club. A perfect country location! You'll lose yourself here -come see for yourself! (id:22681)

4 Bedroom 3 Bathroom 2620

Royal LePage Rcr Realty Brokerage (Os)

For sale
$779,000
80 9TH Street Unit# 502, owen sound, Ontario

80 9th Street Unit# 502

Owen Sound, Ontario

Are you searching for luxury condo living? The Sydenham boasts luxury, water views and city living! Nestled on the Sydenham River and Georgian Bay in downtown Owen Sound, this condo has incredible views and allows residents a wonderful balance of city and nature. The amenities of the building include a rooftop terrace overlooking Georgian Bay, a full media room, exercise room, kayak and canoe storage with access from a private dock (completion Summer'24) with proximity to everything you need in Downtown Owen Sound. This building is in great walking distance of the market, the library and local shopping. This true gem is complete with its own private elevator - directly into your home! Generously sized suite with ample room of 1488 sqft PLUS a 400 sqft balcony! A perfect place to watch the stunning sunsets, and the city canopy. The kitchen is designed with entertaining and functionality in mind. Gorgeous white cabinetry, quartz countertops, high end appliances, and an island. This suite offers 2 bedrooms + an office! The primary bedroom has its on luxurious ensuite & walk in closet. The light that beams through the windows is glorious at all times of day! The living room has a cozy gas fireplace to snuggle up in front of. Laundry room in your own suite! Gas BBQ outlet on balcony! Central Air! The west facing, river view balcony is a perfect place to entertain friends or sip your morning coffee. This condo has not only 1 heated parking spot - but 2! Condo fees include gas & water! You can stop your search, and begin calling this place Home. (id:22681)

2 Bedroom 2 Bathroom 1488

Royal LePage Rcr Realty Brokerage (Os)

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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%.