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SHANNON DECKERS

Not Just Another Realtor®

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

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

Extensive experience in the Owen Sound area

Specializes in buying and selling residential, rural properties

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

YEAR EXPERIENCE

HOUSES PURCHASED

HOUSES SOLD

BOTTLES OF PERRIER

SHANNON DECKERS

Why Choose Us

Z

Honesty

Truthful assessments and real estimates based on current markets.

Availability

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

Determination

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

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LOADING

For sale
$1,480,000
315421 HIGHWAY 6, chatsworth (twp), Ontario

315421 Highway 6

Chatsworth (Twp), Ontario

Introducing a dream-come-true hobby farm nestled on a sprawling 100-acre canvas, where the picturesque blend of workable acreage, rolling hills, sprawling trails, and wildlife awaits. Located just outside the charming town of Williamsford, this haven is conveniently situated 25 minutes south of Owen Sound. Spanning 100 acres, this property boasts 20 to 25 acres of workable farmland, crowned by a magnificent 40x56 barn enveloped by fenced pastures. The remaining 50-plus acres unveil a mesmerizing combination of woodlands,soft and hardwood, meandering trails, and captivating wetlands. Steeped in history, the centrepiece of this estate is a timeless 2,300 square-foot red brick farmhouse, marrying old-world charm with modern comforts. Crafted by Cunningham Kitchen, the heart of this home lies within its stunning kitchen, adorned with custom cabinetry, premium appliances, and an expansive island, perfect for gatherings. Beyond the kitchen, a versatile family room and dining area offer a cozy retreat complete with a wood stove. Venture further to discover a thoughtfully designed addition including mudroom and a stylish two-piece bathroom, seamlessly blending rustic warmth with contemporary flair. Continuing to the second floor, three bedrooms complimented with wide wood plank floors await, along with a cheerful four-piece bath featuring convenient laundry facilities. Your sanctuary awaits in the primary bedroom, where patio doors open onto a private deck overlooking the landscape, complemented by a luxurious three-piece ensuite featuring a freestanding tub. Venturing outside, the thoughtful design extends to the circular driveway and stamped concrete patio, perfect for soaking in the hot tub under the stars, while the expansive fire pit and covered gazebo areas invite gatherings of all kinds. As you roam the grounds, each corner unveils a new adventure, and every day a celebration of nature's beauty. This isn't just a farm; it's the sanctuary you've been searching for. (id:22681)

4 Bedroom 3 Bathroom 2340

Century 21 In-Studio Realty Inc.

For sale Open House
$569,900
1093 WATERLOO Street N, port elgin, Ontario

1093 Waterloo Street N

Port Elgin, Ontario

NEW Freehold Townhomes in Port Elgin. These 2 bedroom, 2 bathroom townhouses are centrally located close to shopping and area walking trails. Forget the condo fees! These units feature radiant in-floor heat, large single car garage, primary ensuite bath and a walk-in closet. The open concept kitchen, living room and dining area makes for easy, convenient living. Front patio and walk-out to the rear patio add to the enjoyment of these single level units. Price includes HST after rebate is assigned to the Builder. Buyer must qualify for the New Home HST rebate, or if not must credit the Seller with the same amount on closing. (id:22681)

2 Bedroom 2 Bathroom 1184

Royal LePage D C Johnston Realty Brokerage

For sale
$650,000
479 LAMBTON Street E, durham, Ontario

479 Lambton Street E

Durham, Ontario

Tucked away behind a curtain of trees, this lovely split-entry raised bungalow offers the perfect mix of peace and convenience. As you step inside, you'll notice the open layout that easily connects the kitchen, dining, and living areas – perfect for family time. Big windows fill the space with natural light, making it warm and inviting. The dining area leads to a back deck and a tree-filled backyard, where you can relax and enjoy nature. The main floor has two spacious bedrooms, so there's room for kids, guests or a home office. The primary bedroom has double closets for ample storage. The 5-piece bathroom on this level adds convenience. Head downstairs to find a spacious family room with an electric fireplace – ideal for cozy evenings or entertaining. There's also an office space that can be turned into a third bedroom if needed. Plus, a utility room and a full bathroom with laundry facilities make life easier. The attached garage is designed to fit a pickup truck with ease. You can access it directly from the lower level, making it convenient year-round. This home has been very well-cared-for and is ready for you to move in right away. It has natural gas heating, municipal water, and sewer services. Plus, it's set up for a generator, so you won't worry in case of power outages. If you've been thinking of a peaceful home that's close to town this is it. This home is perfect for all stages of life, from starting your family to sending kids off to college and enjoying your retirement years. Welcome to your new retreat! (id:22681)

2 Bedroom 2 Bathroom 1633

RE/MAX Summit Group Realty Brokerage

For sale
$960,000
347 TYENDINAGA Drive, southampton, Ontario

347 Tyendinaga Drive

Southampton, Ontario

Discover your dream home on Tyendinaga Dr of beautiful Southampton where tranquility meets charm & every day feels like a retreat. This welcoming community is known for its sandy beaches, vibrant cultural scene, & the warmth of small-town life. This lot is on a quiet dead-end street that provides lots of privacy. Boasting upgrades in the last 2.5 yrs including renovated bthrms w/ new tile, flooring, windows, blinds, & interior painted. Nestled on an amazing 1/3-ac lot your yard oasis awaits backing onto woodlands & the Southampton Golf & Country Club, providing a private retreat just STEPS away from the serene lake HURON & FAMOUS SUNSETS. Brick exterior is complemented by attractive brick pillars with rod iron & privacy fencing. Step through the front entrance into the foyer leading to main-floor office & massive custom-designed laundry room w/ custom cabinetry & under-cabinet lighting. The cozy family room & stylish 3pc bthrm complete the main level. Ascend to the next level where a spacious living & dining rm combination awaits, accompanied by a kitchen with built-in appliances & a dinette area. The Backdoor leads to a covered back deck offering picturesque views of the backyard & the soothing sounds of the waves. The upper level features 4 bdrm w/ the principal bdrm boasting lovely wood accent walls & a newly renovated ensuite bthrm. The main bthrm has also undergone a full renovation. With over 3000 sqft of finished living space this home is perfect for a large family. The massive basement, w/ separate outside access & the roughed-in bthrm await your custom plans—whether its extra living space or an in-law suite. The backyard features a large shed with a loft ideal for a workshop or use as a bunkie adding versatility to this property. In a highly sought-after residential area close to Lake Huron w/ unique, mature properties this home is a rare find. Act fast as opportunities like these are in high demand. Embrace the Southampton lifestyle. Welcome home! (id:22681)

4 Bedroom 3 Bathroom 2855.6400

Keller Williams Realty Centres

For sale
$650,000
206 STICKEL Street, port elgin, Ontario

206 Stickel Street

Port Elgin, Ontario

Welcome to your dream home at 206 Stickel St, a meticulously maintained freehold townhouse that seamlessly blends modern comfort with timeless elegance. As you step through the front door, you'll be greeted by a spacious and thoughtfully designed layout. The main floor boasts a primary bedroom with ensuite privileges, a second charming bedroom, a comfortable living room and a blended kitchen and dining room. The lower level reveals an additional two bedrooms and a spacious 4 piece bathroom, offering privacy and comfort for all occupants. Whether you're considering shared accommodations or envisioning an in-law suite, the layout and amenities are adaptable to suit your needs. The heart of this home is undoubtedly the recently remodelled kitchen and bathrooms with contemporary clean finishes, complete appliance package, and stylish fixtures that bring ease into your life. And to keep you healthy, enjoy an upgraded central air purification, water purification and softener systems. Enjoy the breathtaking beauty of Lake Huron sunsets with the property's wonderful western exposure from your dining room table or the lovely deck through sliding doors. The proximity to a quiet sandy beach, just a 10-minute walk away, adds an extra layer of peacefulness to your lifestyle. This property is designed for practical living, featuring an entrance from the garage into your main floor laundry for added convenience and a 2 piece bath for guests. With a fully fenced backyard that is accessed from the garage or dining room, enjoy privacy and security in your outdoor oasis. This space is perfect for entertaining, gardening, or simply unwinding after a long day. Commute to Bruce Power, a 20-minute drive away, making this property an ideal residence for those working in the area. Don't miss the opportunity to make this freehold townhouse your home. Impeccable design, convenient features, and a prime location make this property a rare gem. (id:22681)

4 Bedroom 3 Bathroom 2056

Keller Williams Realty Centres

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
$989,900
5808 HIGHWAY 9, kincardine, Ontario

5808 Highway 9

Kincardine, Ontario

Custom built by Paul Wilken in 2006, this charming, original owner 1.5 storey home is situated in a prime location. Approx. 1 Km outside of the thriving beach side Town of Kincardine, you have the feel of country living, close to all the amenities, in fact; this home is a 1 minute drive to the main intersection of Hwys 9 and 21, how can you beat that!? Positioned generously off the road on 3.12 acres of well groomed grounds, all for you and your family to enjoy! Attached 2 car garage with stairwell access to full basement. The quaint covered porch wraps around from the front to the back of the home, where there is a generous deck and a fenced in area for pets or children. Entering the home you will reach the open concept kitchen with door leading to the deck with propane BBQ hook up, dining room with windows overlooking the gardens, living room with corner propane fireplace. There is also main floor laundry, 2pc bath and primary bedroom with walk in closets and 4pc ensuite. Upstairs you will find 2 large bedrooms with walk in closets and a 4pc bath. Full basement is partially finished with a family room and storage/utility space. This home is heated/cooled with economic geothermal in ground source system, generator exterior plug and boasts income from a Solar Microfit contract, forecasting approx. $65,000 in income (excluding any repairs/maintenance) during 6.5 years remaining on the contract. 2023 solar income totaled $14,033.88. Surrounding the home are well manicured lawns, gardens and grasses, multiple entertainment spaces and privacy. (id:22681)

3 Bedroom 3 Bathroom 2919

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$899,000
478 CREEKWOOD Drive, southampton, Ontario

478 Creekwood Drive

Southampton, Ontario

Stylish and functional this beautiful 2 + 2 bedroom 4 bath bungalow built by Berner Contracting is a true gem. Located in the much sought after Creekwood subdivision in Southampton, it's just a 7 minute walk to the sandy shores of Lake Huron and South Street Beach. The main floor is flooded with natural light from the floor to ceiling windows surrounding the gas fireplace. The vaulted ceiling in the living room adds drama and interest. The kitchen has loads of quality cabinetry with matching black appliances and an adorable window seat area. The Primary bedroom is carpeted with Walk-in Closet, a beautiful coffered ceiling and a 3 pc bath. The second bedroom could double as a main floor office or den. A 4pc bath and laundry room with garage entrance completes the main floor. Walk-out from the full size Dining area, onto a two tiered spacious covered deck, truly your own private Oasis! The grounds are maintenance free grass cutting only required in the front! The lower level is fully finished with an extra large recreation room with fireplace and wet bar. There is a large bedroom with a walk-in closet and a 3pc bath, as well as a newly renovated area with a 3 pc bath an extra bedroom for guests, and a bonus room that would make a great office or craft room. This quality home is waiting for you. (id:22681)

4 Bedroom 4 Bathroom 2943

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

For sale
$749,900
23 PIERCE Street N, south bruce peninsula, Ontario

23 Pierce Street N

South Bruce Peninsula, Ontario

Welcome to this turn key, contemporary bungalow. Featuring all the comforts you could hope for in a year round home and just 1 km to the warm shores of Lake Huron and Oliphant Marina. Built in 2014 this home sits on a 0.7 acre treed Lot on a dead end street, abutting a large forest parcel which offers extra privacy and natural beauty. This home has been well maintained and updated, featuring new HVAC and Septic bed as well as an impressive detached shop, perfect for storing all your toys or as a potential additional living space. The quaint bunkie is tucked away at the rear of the lot near the firepit, perfect for those extra overnight guests. Stepping into the home, you appreciate the open concept feel on the main floor with abundant natural light through the large windows and sliding door out to the rear deck. The kitchen features plenty of cabinets topped with a beautiful Algonquin limestone. There is a handy inside entry out to the fabulous insulated garage with corrugated steel walls, tons of storage and also plumbed in for a forced air heater. The primary bedroom comes complete with walk in closet, sliding door and ensuite bathroom, 2 additional bedrooms and a 4 pc bath complete the upper level. If you have a large family or have friends stay over often, the downstairs offers an additional 2 large bedrooms, family room, laundry, a cold storage and an extra utility room perfect for a storage/pantry space. Oliphant is a warm and welcoming community, offering a quiet escape yet Sauble Beach is just 10 minutes away to enjoy all the shops and dining options available there. The locals love it here, come see why it might be the perfect place for your next adventure. Showings available now, by appointment only (id:22681)

5 Bedroom 2 Bathroom 2356

Century 21 In-Studio Realty Inc.

For sale
$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

For sale
$949,000
614506 HAMILTON Lane, west grey, Ontario

614506 Hamilton Lane

West Grey, Ontario

This turn key home offers a private setting on a paved road in a prime location. With major curb appeal, it has undergone extensive renovations and upgrades by licensed contractors. The main floor features an open concept living area, kitchen with new granite countertops and matching backsplash, and a dining area that leads to a large brand new back deck overlooking quiet pasture land. The main floor also has three bedrooms and a four-piece bathroom. Downstairs holds two additional bedrooms, a huge rec room, along with a spacious 4 piece bathroom with a large jacuzzi tub, walk-in shower, new quartz countertop with double sink, and beautiful modern tile flooring. The 22x42 detached shop has two garage doors at the front and another sizable garage door on the back side, perfect for storing your toys. The home's exterior transitions beautifully from stone at the bottom, through board and batten, to cedar shake at the top. Located under 15 minutes from Beaver Valley Ski Club, under 5 minutes from Markdale, and walking distance from the Klondike Trail, which offers maintained ATV trails, snowmobile trails, and designated cross-country ski trails. Renovations in the last three years: Furnace, duct work, central air conditioning, steel roof, soffit/fascia, eavestrough, windows/doors, siding, damp proofing entire foundation, propane heater in shop, both decks, 10X12 shed, majority of electrical, bathrooms, fence, flooring, trim, appliances, spray foam insulation in basement and shop, interior doors, attic insulation R-60, 1 inch foam board on entire house, septic tank risers, heated washer, heated bathroom floor. (id:22681)

5 Bedroom 2 Bathroom 2458

Century 21 In-Studio Realty Inc.

For sale
$1,200,000
805 LEONARD Court, point clark, Ontario

805 Leonard Court

Point Clark, Ontario

If your looking for the perfect cottage on the water that is Lake Level with stunning views, than this rustic cottage is for you! This property features 3 bedrooms, 3 pc bathroom, Open concept Living room and Dining Room with new decks on both sides of the property. This cottage comes totally furnished and is ready for the next family to start making their own personal memories on the shores of Lake Huron. This is just a stone throw from historic lighthouse, children's park and boat launch and is just waiting for you. (id:22681)

3 Bedroom 1 Bathroom 800

RE/MAX Land Exchange Ltd Brokerage (Pc)

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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

You Could Be Saving Money!

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%.