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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
$694,900
1685 9TH Avenue E Unit# 3, owen sound, Ontario

1685 9th Avenue E Unit# 3

Owen Sound, Ontario

Fantastic new large upscale condos boasting over 1700 sq. feet on the East Side of Owen Sound. 3 bedroom 2 1/2 baths, (main floor bedroom has ensuite). Open concept, main floor with high ceilings give these townhomes a grand feeling. Mezzanine family room above the dining area. Attached single car garage. Shouldice stone and Stucco siding exteriors, with paved driveways, cement walks make for beautiful curb appeal. The ICF construction goes all the way to the roof line. Additional features include auto garage door opener with key pad, 6 engineered hardwood floors and stairs, porcelain tile in bathrooms and entrance ways, 6 baseboards, thermal low E vinyl windows, designer lights, master bedroom shower is glass and porcelain tile, quartz countertops in kitchen and all bathrooms, stainless steel hardware. Patio doors open on to a great deck overlooking back yard. Optional finished basement includes a mini kitchen, 3 piece glass and tile bathroom and vinyl floor. PLEASE VIEW MLS#40491175 FOR VIRTUAL STAGED PICTURES (id:22681)

3 Bedroom 3 Bathroom 1773

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$409,900
183 WILLIAM Street, wiarton, Ontario

183 William Street

Wiarton, Ontario

Welcome to 183 William Street in the town of Wiarton on the Bruce Peninsula. The house has been completely renovated with new windows, all new plumbing and electrical, new sump pump, and updated throughout with modern flare. This approximately 1000 Sq Ft, 2 +1 bedroom and 1 Bathroom bungalow is conveniently located near the charming shops of downtown Wiarton, the school and all the amenities. As you enter the front of the home you are greeted with a spacious sunny living room. Cozy up in the livingroom in the winter with the gas fireplace. Two bedrooms adjoin, both with separate entrances. Use as bedrooms or one bedroom and an office. From the living room you come to the spacious eat in kitchen which has plenty of storage and working area. Just off the kitchen is the 3rd bedroom The completely renovated 3-piece bathroom/laundry room is central and accessible from the primary bedroom. The large double lot (105' x 99') has a fenced back yard and has been landscaped with a patio area just off the kitchen for barbecuing or entertaining. Fibre optic high-speed internet is now available at this property. With municipal water and sewer and a fabulous hospital, the conveniences of a major city with the charm of small-town living await. This modern turnkey home is ready for you and your family to call yours. Contact a REALTOR® today to book a viewing to see this property for yourself on the BRUCE PENINSULA! (id:22681)

2 Bedroom 1 Bathroom 1000

Exp Realty

For sale
$1,800,000
430 RIDEAU RIVER Street, waterloo, Ontario

430 Rideau River Street

Waterloo, Ontario

Come see this custom-built, tastefully appointed home, with a finished walk-out lower level, and stunning backyard views – with no neighbours in sight. Located on a prime lot in the desirable area of Conservation Meadows, this 5+1 bedroom and 4 bathroom quality-built home (by Werner Reiter RTS Homes) offers approximately 4000 square feet of finished space! Features: brick exterior, hardwood floors, a formal dining room, multiple gas fireplaces, elegant lighting, custom window coverings (2022), built-in speakers, two BBQ gas lines, 4-camera security system (2023), infrared sauna (2018), and more than $50,000 worth of custom built-ins on all floors. The designer kitchen features quartz countertops and stainless steel appliances (partially updated in 2022). Both the kitchen/living area, deck, and walkout basement/covered terrace offer unobstructed views of two ponds, forest, and a farm in the distance. It is a family-oriented neighbourhood with a small playground across the street and a bigger park 220 meters away, direct access to walking and biking trails, community gardens at the end of the street, and the Laurelwood Conservation Area as well as farmers’ markets nearby! All home mechanics are owned and include upgrades to the air conditioning (2022) and water softener (2023). Make this non-smoking and pet-free home with spectacular views during all seasons your own. (id:22681)

6 Bedroom 4 Bathroom 4014

Coldwell Banker Peter Benninger Realty Brokerage (Walkerton)

For sale
$499,900
772 BAYVIEW Street, wiarton, Ontario

772 Bayview Street

Wiarton, Ontario

Discover this charming BUNGALOW nestled in Wiarton, offering picturesque water views year-round and convenient proximity to Georgian Bay additionally located along the Bruce Trail. Boasting a prime location on Bayview Street - the address says it all. This property provides a comfortable residence or cottage retreat mere steps away from Bluewater Park and the crystal clear waters of Georgian Bay. This 2-bedroom home features a luminous living room with expansive windows that showcase the tranquil waters of Colpoys Bay. New breaker panel less than 8 years old, new roof, water heater, and the bathroom was renovated less than 5 years ago. Located just two blocks from downtown Wiarton, residents can enjoy the serene scenery from the new Trex composite front deck while being within walking distance of local amenities. Experience the tranquility and beauty at this Bayview Street gem. (id:22681)

2 Bedroom 1 Bathroom 822

Exp Realty

For sale
$524,900
594 MILLER Street, meaford, Ontario

594 Miller Street

Meaford, Ontario

Enjoy everything that Meaford and the surrounding area has to offer with room for the whole family and space to add your finishing touches! This 5 bedroom, 1 bathroom, 1150 sqft home on a corner lot includes bright living and dining rooms, kitchen, three generous bedrooms and bathroom all on the main floor. Downstairs, you'll find tons of storage space, an additional two bedrooms, generator connection hook up and panel and a layout to complete your dream recreation room. Your new backyard can fit all of your toys and features a natural living wall for privacy throughout the summer. Located minutes to local amenities such as golf courses, shopping, restaurants, hiking trails, and community centres as well as the hospital and waterfront. (id:22681)

5 Bedroom 1 Bathroom 1150

RE/MAX Grey Bruce Realty Inc Brokerage (Tara)

For sale
$524,900
1338 8TH Avenue W, owen sound, Ontario

1338 8th Avenue W

Owen Sound, Ontario

Welcome to 1338 8th Ave West. Step into this inviting three-bedroom bungalow boasting a fully finished basement. The main floor showcases a cozy galley kitchen, 3 bedrooms, a 4pc bath, and a bright dining area with patio doors leading to a covered patio, perfect for outdoor entertaining! Below, enjoy ample space with a large family room, an attached den, 3pc bathroom, laundry facilities, and a bonus room. Enjoy nature with views of a large ravine off the back of the property. There are two garden sheds that would provide lots of storage and room for a workshop. Convenient covered parking in the attached garage and ample parking in the double wide asphalt driveway. This property provides a rare opportunity to experience the tranquility of nature without sacrificing modern comforts. Close proximity to schools, parks, shopping and easy access to transportation routes. Don't miss out on the chance to call this delightful home your own! (id:22681)

3 Bedroom 2 Bathroom 928

Ron Hopper Real Estate Ltd Brokerage

For sale
$649,900
1324 4TH Avenue W, owen sound, Ontario

1324 4th Avenue W

Owen Sound, Ontario

Nestled in a wonderful neighborhood, walking distance to the downtown river district, this grand century home offers a rare opportunity to own a piece of history while enjoying the comforts of modern living. As you step through the front door, you'll be greeted by the timeless elegance of original woodwork, railings and intricate pocket doors, preserved to maintain the home's historic allure. Hardwood floors and grand tall ceilings are throughout the dining room and the classic front living room adorned with an original stained glass window. Entertain in style in the additional family room, where a cozy fireplace creates a warm and inviting atmosphere for gatherings with loved ones. Whether hosting a formal soirée or enjoying quiet evenings by the fire, this space is sure to impress. Spread across multiple levels, this home features six bedrooms, providing ample space for family and guests alike and two beautifully appointed bathrooms. Outside, escape to the professionally landscaped backyard, a tranquil oasis that beckons you to unwind amidst lush greenery and vibrant perennial gardens. The soothing sounds of a water feature add to the ambiance, creating a serene retreat right in your own backyard. Close to daycare, schools and more this is the perfect family home, or for those that appreciate some history, this beckons you to take a look! (id:22681)

6 Bedroom 2 Bathroom 2060

RE/MAX Grey Bruce Realty Inc Brokerage (Os)

For sale
$729,900
10 DEVINWOOD Avenue, walkerton, Ontario

10 Devinwood Avenue

Walkerton, Ontario

Welcome to 10 Devinwood Ave! This bungalow offers a walkout basement, back onto green space, concrete driveway and patio off of the rec room. This home provides 4 bedrooms (2+2) and 3 full bathrooms. High end finishes include consist of quartz counters throughout, luxury vinyl plank flooring, soft close cabinets, custom lighting and landscaping. This open concept design makes this home great for entertaining. The main level includes a mudroom with laundry, bedroom, a 4pc. bath, two tone custom kitchen with island, dining area, living room with electric fireplace and patio doors to the covered deck. The large master includes a walk-in closet and a luxurious 4pc. ensuite with double vanity and tiled shower with 2 shower heads and corner bench. Walk down the hardwood staircase to the bright basement where you'll find huge rec room with patio doors to a concrete patio, 2 more bedrooms, a 4pc. bath, as well as the utility room and a large cold room. Book a showing with your REALTOR® today! (id:22681)

4 Bedroom 3 Bathroom 2209

Royal LePage Rcr Realty Brokerage (Hanover)

For sale
$849,000
133 HAWTHORN Crescent, kemble, Ontario

133 Hawthorn Crescent

Kemble, Ontario

Welcome to your dream lifestyle on the shores of Georgian Bay! This stunning 3-bedroom, 3.5-bath townhouse offers an unparalleled living experience, nestled on a prestigious golf course and boasting breathtaking Georgian Bay views. Step inside to find a spacious and open-concept floor plan with elegant finishes and modern touches throughout. The bright and vaulted ceiling living room features large windows that bathe the space in natural light, while offering serene views of 10th green. The gourmet kitchen is a chef's delight, equipped with stainless steel appliances, sleek countertops, and ample storage space. A charming dining area is perfect for entertaining. The primary suite on the main floor is a tranquil retreat, featuring a spa-like ensuite bathroom and a walk-in closet. Upstairs, you'll find another bedroom with its own private ensuite bathroom and access to a lovely balcony. This covered outdoor oasis is perfect for enjoying your morning coffee. The lower level boasts a third generously sized bedroom and large family room that provides comfort and versatility for family, and guests. The home includes a convenient two-car garage, ensuring ample parking and storage space. This condo townhouse includes access to exclusive Cobble Beach Golf Course Resort amenities, such as a clubhouse, swimming pool, hot tub, tennis courts, private beach and 60' day dock. Take advantage of reduced residence rates for the prestigious golf course, spa and restaurant. All this is located minutes away from the amenities of Owen Sound. Don't miss the opportunity to own a piece of paradise in one of areas most sought-after locations! (id:22681)

3 Bedroom 4 Bathroom 2540

Royal LePage Rcr Realty Brokerage (Os)

For sale
$410,000
443 14TH Avenue, hanover, Ontario

443 14th Avenue

Hanover, Ontario

Welcome to 443 14th Ave, Hanover, just half a block off Main Street, boasting unparalleled exposure and convenience. Step inside to discover some modern updates. With 2 bedrooms and 1 bath, this home offers the perfect sanctuary amidst the bustling energy of main street life. The renovations ensure both style and functionality including a new kitchen, modern bathroom, vinyl flooring throughout and the new spacious living room with french doors to deck. The insulated 12'x20' garage provides ample space for a workshop, vehicles or storage, enhancing the property's practicality. For those with a vision, the unfinished basement presents an exciting opportunity for customization or expansion according to your desires. Whether you envision a home gym, or additional living space, the possibilities are endless. Currently used for residential purposes, this property also offers commercial potential, making it an ideal investment opportunity. Take advantage of the prime location and excellent exposure to set up your dream business or rental property. Don't miss your chance to own this property with its unbeatable location, modern updates, and versatile potential, this home truly has it all. Schedule your viewing today and make your urban living dreams a reality! (id:22681)

2 Bedroom 1 Bathroom 2193

Exp Realty

For sale
$449,000
46 ROBERTSON Street, harriston, Ontario

46 Robertson Street

Harriston, Ontario

Good rental income on this 1.5 storey duplex located in Harriston on a large lot with a fenced backyard. The back unit has a foyer, kitchen with island and laundry, living room, 2 piece bathroom and storage room on the main floor. Upstairs is a sitting area, 3 bedrooms and a full bathroom. Front unit has a foyer, kitchen, living room and bathroom on main floor with 2 bedrooms upstairs. 10 years ago major work was done-roof, furnace, back unit all redone, electrical and plumbing throughout most of the house. Tenants are month to month and are responsible for lawn care and snow removal. (id:22681)

5 Bedroom 3 Bathroom 1900

Royal LePage Rcr Realty Brokerage (Hanover)

For sale
$649,900
222 6TH Street W, owen sound, Ontario

222 6th Street W

Owen Sound, Ontario

Situated across from the winding banks of the Sydenham River as it flows over the Mill Dam, this gorgeous 4-bedroom, 2-bathroom brick home has been completely updated, inside and out. Stylishly redesigned and professionally finished, this is where the timeless elegance of Georgian colonial architecture meets modern comforts. With extra touches like new windows and doors, new kitchen, new bathrooms, and new hardwood flooring throughout, this impressive contemporary residence is the perfect home for any family. Upon arrival, you'll be greeted by a circular drive, providing a grand entrance to your new sanctuary. The light, bright, and airy layout is immaculately presented, complete with seasonal views over the Sydenham River. The modern kitchen offers sophisticated quartz countertops, tile backsplash, breakfast bar, and stainless steel appliances. A contemporary living room, 2-piece powder room, and dining area, featuring double doors opening up to an expansive deck, complete the flow of the main floor. Step upstairs to the luxurious principal bedroom overlooking manicured lawns and apple trees. Indulge in the 3-piece bath with spa-like amenities including a fully automated rainfall shower panel with body jets. Three additional bedrooms provide ample family and guest accommodation. Entertain with ease in the expansive lower level, featuring a cozy gas fireplace and a stylish bar area, ideal for hosting family movie nights. Outside, a sprawling back deck bathed in sunlight awaits as the perfect setting for summer BBQs. Here, the fabulous location puts you in the heart of Owen Sound's scenic beauty and vibrant community. Perfectly situated with cafes, restaurants, schools, trails, parks, and Ontario’s first fish ladder all within a quick stroll. Elevate your lifestyle in one of the Scenic City's most coveted neighbourhoods. (id:22681)

4 Bedroom 2 Bathroom 1800

Keller Williams Realty Centres

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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%.

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