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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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LOADING

For sale
$739,900
115 CONNERY Road, mount forest, Ontario

115 Connery Road

Mount Forest, Ontario

The wait is over, with over 2,600 square feet of finished living space this 4-bedroom bungalow with an inground pool is everything you've been looking for! The main floor has an abundance of natural light, hardwood floors in the living room and dining room, and a generous open-plan kitchen area with stainless steel appliances. Patio doors lead you to the expansive fenced backyard with a deck, inground lap swimming pool, and tons of yard space for kids, pets, and gardening. The home has been painted throughout, has three generous sized bedrooms on the main floor, and a large 4-piece bathroom. The primary bedroom has a walk in closet, and all bedrooms have had new carpet installed. The basement is fully finished with a large recreation room with new carpets and built-in bar for entertaining guests. Fourth bedroom, 3-piece washroom, and a large bonus room that can used as a workout room, office, or storage room. There is access to the two car garage from inside the home and a durable metal roof. The location couldn’t get any better as the home is in a friendly neighbourhood and a short walk away from the walking track, splash pad, children's park, baseball diamonds, soccer field, and seasonal Farmers Market. Mount Forest is located 1 hour from Guelph, Kitchener/Waterloo, and 50 minutes to Orangeville. What more could you want?! Don’t miss this amazing opportunity, to call this house your home. (id:22681)

4 Bedroom 2 Bathroom 2611

Coldwell Banker Win Realty Brokerage

For sale
$1,349,000
383580 CONCESSION 4, west grey, Ontario

383580 Concession 4

West Grey, Ontario

This 82 acre picturesque farm offers a harmonious blend of rustic charm and modern amenities, making it the ultimate sanctuary for those seeking a peaceful countryside lifestyle. As you hike through the scenic landscape, you'll be captivated by the beauty of approximately 40 acres of workable land. Approximately 30 acres of forest, creating a serene backdrop throughout the seasons including many maple and hardwood trees. A tranquil pond invites you to unwind and enjoy the soothing sounds of nature. At the heart of this property stands a charming century farmhouse, with 3 bedrooms and 2 bathrooms. Steeped in history and character, the home exudes warmth and comfort at every turn. Renovated kitchen adorned with granite countertops, an inviting island, and a convenient summer kitchen, perfect for entertaining guests or preparing family meals. The main floor laundry adds convenience to your routine, while a covered side porch provides the perfect spot to relax. Recent updates including a metal roof (2014), windows (2010), 100 amp electrical, and plumbing(2011) ensure peace of mind and modern functionality. But the allure of this property doesn't end there. A charming cabin nestled in the trees complete with a wood stove, water, hydro, and a 3-piece bathroom featuring a clawfoot tub. A loft bedroom provides additional space for guests or a private sanctuary to unwind. Explore the extensive trails and campsite areas scattered throughout the property. A large shed, chicken coop, and spacious vegetable garden provide ample opportunities for hobby farming or homesteading pursuits. Located between Priceville and Durham, this idyllic farm offers the perfect balance of seclusion and convenience. Whether you're seeking a peaceful retreat, a hobby farm, or a place to raise a family surrounded by nature's beauty, this property offers endless possibilities. Schedule your private showing today and experience the magic of country living at its finest! (id:22681)

3 Bedroom 2 Bathroom 1440

Century 21 In-Studio Realty Inc.

For sale
$1,349,000
383580 CONCESSION 4, west grey, Ontario

383580 Concession 4

West Grey, Ontario

This 82 acre picturesque farm offers a harmonious blend of rustic charm and modern amenities, making it the ultimate sanctuary for those seeking a peaceful countryside lifestyle. As you hike through the scenic landscape, you'll be captivated by the beauty of approximately 40 acres of workable land. Approximately 30 acres of forest, creating a serene backdrop throughout the seasons including many maple and hardwood trees. A tranquil pond invites you to unwind and enjoy the soothing sounds of nature. At the heart of this property stands a charming century farmhouse, with 3 bedrooms and 2 bathrooms. Steeped in history and character, the home exudes warmth and comfort at every turn. Renovated kitchen adorned with granite countertops, an inviting island, and a convenient summer kitchen, perfect for entertaining guests or preparing family meals. The main floor laundry adds convenience to your routine, while a covered side porch provides the perfect spot to relax. Recent updates including a metal roof (2014), windows (2010), 100 amp electrical, and plumbing(2011) ensure peace of mind and modern functionality. But the allure of this property doesn't end there. A charming cabin nestled in the trees complete with a wood stove, water, hydro, and a 3-piece bathroom featuring a clawfoot tub. A loft bedroom provides additional space for guests or a private sanctuary to unwind. Explore the extensive trails and campsite areas scattered throughout the property. A large shed, chicken coop, and spacious vegetable garden provide ample opportunities for hobby farming or homesteading pursuits. Located between Priceville and Durham, this idyllic farm offers the perfect balance of seclusion and convenience. Whether you're seeking a peaceful retreat, a hobby farm, or a place to raise a family surrounded by nature's beauty, this property offers endless possibilities. Schedule your private showing today and experience the magic of country living at its finest! (id:22681)

3 Bedroom 2 Bathroom 1440

Century 21 In-Studio Realty Inc.

For sale
$749,999
791 23RD Street W, owen sound, Ontario

791 23rd Street W

Owen Sound, Ontario

Uncover the potential of this prime real estate opportunity! Situated in Owen Sound, this expansive lot presents endless possibilities for renovation or development. With a stripped down house awaiting transformation, let your imagination run wild as you envision the ultimate dream home or lucrative investment property. Bring your vision to life and create a custom masterpiece tailored to your taste and style. Alternatively, take advantage of the ample space and municipal services available to develop the entire lot. Conveniently located near all amenities including schools, trails, and the marina, this property offers unparalleled convenience in a sought-after neighbourhood. Don't miss out on this rare opportunity to shape your future. Schedule a viewing today and unlock the potential of this one-of-a kind property. (id:22681)

Exp Realty

For sale
$349,000
15 3RD Avenue, south bruce peninsula, Ontario

15 3rd Avenue

South Bruce Peninsula, Ontario

A GEM, as referred to by Family and friends. This beautiful, cute and cozy 3 season cottage has been meticulously upgraded and lovingly cared for with pride of ownership beaming. Backing on to the Niagara escarpment gives you a sense of the rugged beauty of the Bruce peninsula. Enjoy summer evenings with family and friends around the campfire or just sit on the porch with your favorite book and watch the world go by at a much slower pace. Just minutes to downtown Wiarton which offers amazing shops and services, everything needed is right here. Inside this 2 bedroom cottage you will find numerous upgrades including vinyl plank flooring, vaulted ceilings, updated windows, metal roof, a cozy propane fireplace for those chilly evenings, updated water system, very comfortable galley style kitchen and updated 3 pc bathroom. The amazing décor gives you the true cottage relaxing atmosphere. There have been numerous upgrades which include septic 2019, drilled well with UV filtration 2019, propane stove with fusion stone surround, vinyl plank flooring, windows replaced 2004, 100 amp breaker panel, metal roof 2013. Also terrific Georgian Bay access at the end of 3rd Ave. It has it all, NOW it just needs you! (id:22681)

2 Bedroom 1 Bathroom 384

Royal LePage Rcr Realty Brokerage (Wiarton)

For sale
$409,000
13 4TH Avenue, south bruce peninsula, Ontario

13 4th Avenue

South Bruce Peninsula, Ontario

TINY HOME..... well sort of. This 614 sq ft 2 bedroom 1 bathroom bungalow has been completely renovated, top to bottom, inside and out, with metal roof, vinyl siding, sky lights, electrical, plumbing, windows, insulation, well, UV system, septic bed and very efficient new heat pump, Oh yes and A new kitchen. Located just north of Wiarton in the very desirable Mallory Beach area this peaceful setting backs on to the escarpment offering you lots of privacy on a double 160ft X 150ft double Lot, offering peace and quiet and a wonderful experience for first time home buyers or retirees. I don't think there are anymore boxes left to tick this beauty has it all. Just missing you. (id:22681)

2 Bedroom 1 Bathroom 614

Royal LePage Rcr Realty Brokerage (Wiarton)

For sale
$169,900
173 QUEEN Street S, paisley, Ontario

173 Queen Street S

Paisley, Ontario

Beautiful setting for a new Home In a good neighbourhood on Paisley's main street. (id:22681)

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$949,000
520 WELLINGTON Street E, mount forest, Ontario

520 Wellington Street E

Mount Forest, Ontario

520 Wellington St is a spacious Custom Bungalow with open concept layout, covered front porch door to inviting foyer leading to open concept kitchen and great room, vaulted ceiling, gas fireplace, custom kitchen cabinets and island, pantry, all open to dining area overlooking rear yard, deck and patio. 2 Bedrooms on main floor with bathrooms, main stairs lead to rec room and game room area and 3 bedrooms (one being used as an office), additional 4 pc bath, gas heat central air, 2 car finished garage. Rear yard is fenced and set up as entertainment area with enclosed area, hot tub, extra shed and flag stone walk ways. This property has it all - inside and out, with many many updates. Bright cheery home. (id:22681)

5 Bedroom 3 Bathroom 3220

Royal LePage Rcr Realty Brokerage (Mf)

For sale
$1,950,000
6967 ROAD 173, atwood, Ontario

6967 Road 173

Atwood, Ontario

A HARD TO FIND 48 ACRE FARM, SET UP AS A MIXED OPERATION FOR GROWING ORGANIC MEATS, NO SPRAYS OR CHEMICALS, MODERN 4 BEDROOM HOME, OPEN CONCEPT KITCHEN AND DINING & LIVINGROOM, 5PC BATH, PATIO, 50X80 STEEL CLAD BARN, LOOSE HOSING, LOFT, CEMENT BARN YARD, OPEN OUTSIDE FEEDER, BARN 50X150, WITH 32X46 ADDITION, BARN COVERALL 50X64 WITH 56X40 ADDITION FOR STORAGE AND FEEDING, STEEL GRANARIES, FEED BINS, SEVERAL OUTSIDE CHICKEN GROWING PENS STAY TOO, PROPERTY IS ALL FENCED AND USED FOR ZERO PASTURING ETC. 3 PHASE HYDRO ON PROPERTY, DRILLED WELL, LOTS OF WATER, GREAT FARMING AREA. (id:22681)

4 Bedroom 1 Bathroom 1500

Royal LePage Rcr Realty Brokerage (Mf)

For sale
$829,900
150 MCFARLIN Drive, mount forest, Ontario

150 Mcfarlin Drive

Mount Forest, Ontario

Immaculate home, with attached shop or man cave plus double attached garage and new detached workshop. 2+1 bedrooms, 3 bath home with many recent upgrades. Roof, soffit and facia, exterior doors including garage doors, all but 3 windows, in (2019). New entertainment sized deck in (2020), new shop 24 x 24 in (2021) and new concrete pad in (2022). Patio doors from the living room looking over the rear grounds, deck and fire pit area back onto green space for complete back yard privacy. Appliances are 5 years old and included in the purchase price. (id:22681)

3 Bedroom 3 Bathroom 2414

Royal LePage Rcr Realty Brokerage (Mf)

For sale Open House
$674,900
243 SPRY LAKE Road, oliphant, Ontario

243 Spry Lake Road

Oliphant, Ontario

Welcome to the Oliphant Maple Forest Hideaway, a captivating retreat situated on 1.2 acres of natural splendor. Escape the hustle of the city and discover a different way of living, just a stone's throw away from the waterfronts of Lake Huron and Spry Lake, as well as the abundant recreational offerings of the Bruce Peninsula. This two-level home is designed not just for living but for creating lasting memories. With ample living space, it accommodates a growing family or provides room for cherished visitors. The upper main level welcomes you with a spacious primary bedroom featuring an ensuite, a generous living room, and two additional bedrooms—all connected by a well-appointed 4-piece bathroom. The lower level is a haven of versatility, featuring a large family room and a bonus room that offers endless possibilities for relaxation and entertainment. The walk-out basement unveils a recently renovated independent living quarter, comprising a 3-piece washroom and a kitchen area—a perfect space for an in-law suite. Step onto the multi-level decking that surrounds a pool, offering a serene retreat for unwinding and entertaining. In the winter enjoy time with friends and family playing on a large skating rink. Cherish this well-loved family home with recent upgrades since 2021, including a new roof, septic bed, and widened driveway. Embrace a new lifestyle—make Oliphant Maple Forest Hideaway yours today! For those with a spirit of adventure, a 24x27 detached workshop awaits to host all your recreational gear. Tucked away behind, find a cleared area in the forest with a concrete pad, ready for trailer parking and exploration of the great outdoors. This property, with its unique features and recent upgrades, eagerly awaits its new owner to infuse it with personal style and create lasting memories. Don't miss the opportunity to make the Oliphant Maple Forest Hideaway your private retreat in the heart of nature. (id:22681)

4 Bedroom 3 Bathroom 3146

Keller Williams Realty Centres

For sale
$1,499,000
56 SILVERSIDES POINT Drive, northern bruce peninsula, Ontario

56 Silversides Point Drive

Northern Bruce Peninsula, Ontario

Discover the epitome of lakeside living on the picturesque shores of Bradley Harbour, nestled along the pristine waters of Lake Huron! This magnificent waterfront retreat boasts an impressive layout featuring 5 generously sized bedrooms, ensuring ample space for both relaxation and entertaining. Step out onto the expansive deck and immerse yourself in the breathtaking panoramic views that stretch as far as the eye can see, offering a mesmerizing backdrop for every occasion.Indulge your culinary passions in the richly appointed kitchen, where every detail has been carefully curated to provide both functionality and elegance. From the sleek countertops to the top-of-the-line appliances, this culinary haven is sure to delight even the most discerning chef. And when it's time to unwind, there's no better place to retreat than the deck overlooking the tranquil waters of Lake Huron, where you can soak in the serenity of your surroundings and savor the beauty of nature's ever-changing canvas.Whether you're seeking a peaceful sanctuary to escape the hustle and bustle of city life or a luxurious waterfront oasis to entertain friends and family, this exquisite home offers the perfect blend of comfort, style, and sophistication. Don't miss your chance to experience the ultimate lakeside lifestyle – schedule your viewing today and start making memories that will last a lifetime! (id:22681)

5 Bedroom 3 Bathroom 2700

Atlas World Real Estate Corporation Brokerage (Lions Head)

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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%.

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