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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.

New Listings

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For sale
$1,849,000
123 IVY Drive, georgian bluffs, Ontario

123 Ivy Drive

Georgian Bluffs, Ontario

Discover WATERFRONT LUXURY LIVING with this stunning 2018 custom-built home on Georgian Bay. With 3,000 finished square feet, this property offers panoramic views of the escarpment and both White Cloud and Griffith Islands. The heart of the home is a stunning custom kitchen featuring white cabinets, a large island with quartz countertops, and sleek black stainless steel appliances. The living room boasts vaulted ceilings, a cozy propane fireplace and an array of floor to ceiling windows with a large 9-foot patio doors leading to a spacious deck with glass railings, perfect for soaking in the breathtaking views. The main floor primary bedroom is a sanctuary with an ensuite bathroom, a walk-in closet, and direct access to the main bathroom, which includes a luxurious soaker tub. Another bedroom and an office space are also located on the main floor, offering flexibility for guests or remote work. The lower level features a walk out, unique and durable stamped concrete floors with in-floor heating and another propane fireplace in the family room. A large wet bar equipped with a full-size fridge, microwave and a separate dinette making entertaining effortless. Two additional large bedrooms and a 3-piece bathroom complete the lower level. The attached 2+ car garage “man cave,” features epoxy heated floors and a large TV, making it the ultimate retreat for parking, hobbies or relaxation. A gradual wood staircase leads directly to the water's edge, where you’ll find a charming bunkie with an outdoor shower and outhouse halfway down. Included with the property are a motorized boat lift, a motorized Sea-Doo lift, and an easily assembled pole dock. Enjoy the convenience of surround sound throughout the home and a generator that powers most of the property, ensuring peace of mind. This exceptional property offers a perfect blend of amenities, luxurious finishes, and unparalleled views, making it a dream home for those seeking waterfront living at its finest. (id:22681)

4 Bedroom 3 Bathroom 3104 sqft

Sutton-Sound Realty Inc. Brokerage (Wiarton)

For sale
$515,000
789 16TH Street E, owen sound, Ontario

789 16th Street E

Owen Sound, Ontario

STOP SCROLLING AND LOOK AT THIS! So much larger than it looks from outside! This charming 3-bedroom residence is a perfect blend of comfort, style, and convenience. The main floor boasts a spacious bedroom, offering the utmost in accessibility and flexibility. The recently renovated 5 piece main floor bathroom is a sanctuary featuring contemporary fixtures and tasteful finishes, with a large storage room/laundry off the side. There's a huge kitchen with loads of storage. Both living room and family room have natural gas fireplaces to warm the space. Details such as the restored wide trim, original hardwood floors, French doors and radiators create a homey atmosphere while freshly painted walls throughout provide a blank canvas for your personal touch. Other updates include some windows/doors, electrical, natural gas boiler, and low maintenance metal roof and vinyl siding. As you step outside the spacious family room, you'll discover a covered deck, perfect for entertaining or simply unwind with a cup of coffee. Beyond the deck lies a large fenced in backyard, providing ample space for outdoor activities, gardening, or creating your own private oasis. The property also features a newly built garage, with hydro and oversized doors on each side for drive through convenience, offering secure parking or storage space for tools or toys. With plenty of parking available, 2 more bedrooms upstairs with a full bathroom, entertaining is a breeze. The kitchenette is a fantastic addition, providing a convenient and functional space for overnight guests or boarding family or tenants. It could also work as a great space for a small home business! Walkable to all eastside amenities. This home is not just a residence; it's a lifestyle. Imagine enjoying the tranquility of the backyard, and relishing the convenience of main floor living all while still having the space and function to entertain! This property is ready to welcome you home. (id:22681)

3 Bedroom 2 Bathroom 1998 sqft

RE/MAX Grey Bruce Realty Inc Brokerage (Os)

For sale
$709,900
265 4TH STREET Crescent, hanover, Ontario

265 4th Street Crescent

Hanover, Ontario

Custom built and meticulously cared for by it’s original owners, this 2 storey home is sure to impress. Located in one of Hanovers most desired subdivisions at the edge of town, just steps away from the walking trail along the saugeen river. As you enter through the front door you’ll notice the 2 level foyer and so much natural light coming into the home. There have been many updates throughout including hardwood floors, stone countertops, and an updated kitchen with beautiful white cabinets and stainless steel appliances included. Enjoy walkouts to your back deck from both the eat-in kitchen and the living room which also offers a gas fireplace. The formal dining room is adjacent to your kitchen and connects to the family room, a great layout for hosting company. Also on the main level is a powder room, and laundry/mudroom which provides access to the 2 car garage. Heading upstairs you’ll find 4 bedrooms, including the spacious primary bedroom with bay window, walk-in closet, and an ensuite with standalone shower and tub with tiled surround. A 4pc bath supports the remaining bedrooms, and down the hall you’ll find another great room which would make a perfect office, hobby room, or a 5th bedroom. The full basement is currently unfinished but offers the potential should you desire more space, with a rough in present for an additional bathroom. On sunny days you’ll be sure to enjoy your back yard, lined with fencing, gardens and mature trees. Come see this home for yourself! Call or text to book your tour. (id:22681)

5 Bedroom 3 Bathroom 2306 sqft

Keller Williams Realty Centres

For sale
$285,000
371 BRUCE ROAD 13, saugeen indian reserve #29, Ontario

371 Bruce Road 13

Saugeen Indian Reserve #29, Ontario

Escape to your own waterfront-water view cottage on Bruce Road 13! This charming 3-bedroom, 1-bathroom cottage boasts breathtaking sunset views every evening. With a gentle rocky slope to the water, it's perfect for canoeing and kayaking adventures. Recently updated with a new roof, deck,(323 sq. ft.), approved septic and 3 pc. bathroom, this classic cottage comes fully furnished and ready for you to enjoy. Nestled on a spacious 60 x 200' lot with mature trees ,plants and an open backyard, there's plenty of room for relaxation and outdoor fun. Located just minutes from Southampton and Sauble Beach, you'll have easy access to amenities and dining options. Priced at $285,000, this waterfront gem is an ideal retreat to start making memories with family and friends. Don't miss out on this opportunity—call now to schedule your viewing! Yearly lease fee is $9,000 & service fee $1,200 (id:22681)

3 Bedroom 1 Bathroom 720 sqft

Wilfred Mcintee & Co Ltd Brokerage (Southampton)

For sale
$589,000
PT LT 57 CONCESSION 2 WGR, west grey, Ontario

Pt Lt 57 Concession 2 Wgr

West Grey, Ontario

38 acre lot. Great opportunity to develop to suite your needs - work and live on this great Durham, West Grey Property. Easy access to major anchor of Grey Rd 4 and Nearby Town of Durham with Hwy 6. Currently approximately 20 acres farm land with remainder mixed evergreen bush and some shrub land. A2 zoning on West portion, and A3 on the East half of the property. A2 and A3 zoning uses can include (but may not be limited to); agricultural and agricultural related uses, buildings and structurers; bed and breakfast establishment (Class2); equestrian center facilities; forestry; home occupation; home industry. (id:22681)

Wilfred Mcintee & Co Ltd Brokerage (Dur)

For sale
$899,900
690 17TH STREET Crescent, hanover, Ontario

690 17th Street Crescent

Hanover, Ontario

This One Checks all the Boxes! Excellent area of Town backing onto the Greenbelt and Walking Trail. Very well maintained two story with four bedrooms on upper level. Finished lower level walks out to private fenced rear yard with inground pool (2020), hot tub and patio. Plenty of room on main level with eat in kitchen, formal dining room, living room plus family room. There is a bus service that will deliver your kids safely to any school in Hanover. This home is ideal home for Granny flat or large family. (id:22681)

4 Bedroom 4 Bathroom 3465 sqft

Exp Realty

For sale
$979,900
33 LAKEFIELD Drive, kincardine, Ontario

33 Lakefield Drive

Kincardine, Ontario

This one or two family home is very near completion - Two + Two bedroom with full in-law suite in the bright, spacious lower level. Lower level also has its own entrance by a side door and includes tidy kitchen, 3-piece bath, laundry, huge family / dining room with corner unit gas fireplace; and the two large bedrooms. The lower level can be closed off from the upper level. Mechanical room and laundry for the upper level is off of the secure lower level foyer. Home also features engineered hardwood floors throughout the main level, vinyl plank in main living areas and bedrooms down, with ceramic flooring at foyers and the three bathrooms. Quartz or granite kitchen countertops. Partially covered deck off of kitchen and from patio doors in master bedroom. Master has 3-piece ensuite. Concrete drive and walks, entire lawn will be sodded in season. Lakefield Drive is two blocks from the beach and walking path to the beach begins across the street from 33 Lakefield. (id:22681)

4 Bedroom 3 Bathroom 2585 sqft

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$724,900
930 17TH Street E, owen sound, Ontario

930 17th Street E

Owen Sound, Ontario

Welcome to your new home! This charming bungalow townhouse boasts a stunning stone exterior and an attached garage for your convenience. Step inside to an open concept main floor that is perfect for modern living, featuring gleaming hardwood floors throughout. The cozy living room, with its gas fireplace, is the ideal spot to unwind, and the door leading out to the covered deck is the perfect place for enjoying your morning coffee. The heart of the home is the beautiful kitchen, boasting a stylish island that's perfect for meal prep and entertaining. The main floor also includes a luxurious primary bedroom with a walk-in closet and ensuite privilege, as well as the convenience of a laundry room. Head downstairs to the fully carpeted basement, where you'll find a large family room with another gas fireplace, offering plenty of space for relaxation and fun. This lovely home has everything you need and more – don't miss out! (id:22681)

1 Bedroom 3 Bathroom 2846 sqft

Royal LePage Rcr Realty

For sale
$359,900
26 ALICE Street, allenford, Ontario

26 Alice Street

Allenford, Ontario

Welcome to your perfect village retreat, where affordability meets charm in the heart of a quaint Allenford, centrally located close to Southampton, Sauble Beach and Owen Sound. Located on a large corner lot on a dead end street. This cozy and bright house offers a an ideal blend of comfort and convenience making it a perfect place to call home. Step inside to be greeted by a warm and inviting atmosphere. Take in the ambiance of the soft flickering glow of the gas fireplace in the cozy living room. The open-concept layout seamlessly connects dining, living and kitchen area. Enjoy peace of mind with recent upgrades, including new water heater (2023) new propane fireplace (2021), new electrical panel (2023) and all new energy efficient windows throughout (2023) But the allure of this property extends beyond the home itself. Outside, a spacious yard offers ample room for outdoor activities, gardening, or simply unwinding on the large deck. And for those who enjoy tinkering or pursuing hobbies, the 25'x25' heated garage provides the perfect space to work on projects year-round. Heated by a new propane garage heater (2022) and recently newly insulated (2022), you'll be toasty warm year round in your detached shop, complete with new, bright (2023) LED lighting. New steel roof and spray foam insulated ceiling on the shop ensures more peace of mind. Perfect for first time buyers or weekend getaway, this charming home offers endless possibilities for making memories and creating the life you've always dreamed of. Don't miss your chance to own a piece of village paradise – schedule a showing today! (id:22681)

1 Bedroom 1 Bathroom 860 sqft

Royal LePage D C Johnston Realty Brokerage

For sale
$414,900
222 WILLOW Road, kincardine, Ontario

222 Willow Road

Kincardine, Ontario

Great starter home, rental investment or retirement home located at the end of a quiet dead end street on the south side of Kincardine. This 3 bedroom raised bungalow is a short 430m walk to Elgin Market Elementary School and under 1000m (4 blocks) to the beaches of Lake Huron. Large 66 ft. X 161 ft. lot will give you plenty of room for family activities and has a 8.4 ft X 24.9 ft. storage shed for keeping your seasonal possessions safe and dry. The whole basement has just been refinished with a $30,000 make over to create 2 large 20 ft. family rooms/recreation rooms, ample storage , a bathroom rough-in with a walk out to the rear yard from the lower level. A new sanitary sewer line has been installed from the street to the home and the natural gas service is installed to the home ( for the hot water tank). Take a look and see if this home will be the one to get you started on the path of home ownership. (id:22681)

3 Bedroom 1 Bathroom 2031 sqft

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$439,900
1053 GIBSON Street, wroxeter, Ontario

1053 Gibson Street

Wroxeter, Ontario

This three bedroom, two bathroom home in the welcoming village of Wroxeter boasts water views of the Maitland River and Wroxeter Mill Pond. Enjoy swimming and paddling in the summer, and ice skating in the winter, just steps away from your front door. Numerous improvements have been carried out here including a propane furnace (2024), propane hot water heater (2022), and 200 amp electrical panel (2021). With a steel roof, newer electrical and plumbing in some rooms, updated main floor bath and living room flooring, this turn-key house awaits its next owners. The attached, oversized garage has overhead doors at both the front and rear, and offers propane heat as well as a wood stove. The fully fenced rear yard is expansive and includes a screened-in three seasons sunroom. The home is close to walking trails, convenience store and post office, and is 10 minutes to Wingham, or 20 minutes to Listowel. (id:22681)

3 Bedroom 2 Bathroom 1300 sqft

Exp Realty

For sale
$799,900
203 FORLER Street, neustadt, Ontario

203 Forler Street

Neustadt, Ontario

Stunning 5 bed, 3 bath bungalow for sale in Neustadt. This brick home is situated in an ideal location, on an over half-acre lot. The main floor features a living room with gorgeous vaulted ceiling, open concept kitchen and dining, primary bedroom with ensuite bath, two further bedrooms, and a 4 piece bath. Downstairs you'll find a spacious rec room with cozy propane fireplace, two further bedrooms, a 3 piece bath, office/den, laundry room (with laundry chute!), and plenty of storage. Further features are the oversized, attached garage, large deck, patio, central vac, storage shed, and more! Roof 2022; furnace serviced March 2024; New flooring and paint (main floor 2022, lower level 2020). (id:22681)

5 Bedroom 3 Bathroom 2876 sqft

Royal LePage Rcr Realty

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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%.