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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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For sale
$499,900
17 CONQUERGOOD Avenue, tiverton, Ontario

17 Conquergood Avenue

Tiverton, Ontario

Looking for a place to call home? 17 Conquergood Avenue just might be the one! This move-in ready bungalow is conveniently located in beautiful Tiverton, on a quiet street, and situated on a large corner lot with mature trees and fenced backyard. The main floor offers a spacious breezeway/mudroom area with inside entrance to the attached 1.5 car garage, an eat-in kitchen with sliding door access to the back deck, cozy + comfortable living room with large window overlooking the front yard, 3 large bedrooms and a 4-piece main bath. The basement is fully finished with an L-shaped family room with gas stove, a den, a 2-piece bath, and a laundry/utility room with tons of storage space. There is a bonus storage room off the garage. Newer private double driveway (2022). This is an excellent family home, and perfect for first time buyers! (id:22681)

3 Bedroom 2 Bathroom 1091

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$424,900
496 GEORGE Street W, durham, Ontario

496 George Street W

Durham, Ontario

Semi-detached house with three bedrooms and two full baths. Main floor with great floor plan with one bedroom and a 3-piece bath along with large eat-in kitchen with access to the rear yard. Upstairs consists of two more bedrooms and a 4-piece bathroom. Single car garage and full crawl space for storage. (id:22681)

3 Bedroom 2 Bathroom 1250

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

For sale
$649,900
207 ALMA Street W, paisley, Ontario

207 Alma Street W

Paisley, Ontario

Welcome to Your Modern Bungalow Oasis! Nestled in a tranquil neighbourhood, this custom-built modern bungalow offers the epitome of comfort and convenience. Boasting a thoughtful design with 3 bdrms, 3 baths, this home is a testament to contemporary living at its finest. With stunning cherry hardwood floors throughout and a spacious ensuite bathroom for relaxation, every inch of this home exudes luxury. Entertain effortlessly in the open concept kitchen, dining room, and living room, or take the party downstairs to the fully finished basement complete with a wet bar and ample space for guests. Enjoy the convenience of ample parking space for guests and vehicles, an oversized attached garage with a separate entry to the basement makes it perfect for easy access. Step outside onto the front porch or covered deck to savour the peaceful surroundings of the fenced yard. With in-floor heating in the basement and gutter covers for low-maintenance living, this home is designed for comfort and ease. Located near the rail trail, it's ideal for leisurely strolls and outdoor adventures. Don't miss your chance to call this modern bungalow yours—schedule your viewing today! (id:22681)

3 Bedroom 3 Bathroom 2078

Exp Realty

For sale
$789,900
103 SECOND Street, walkerton, Ontario

103 Second Street

Walkerton, Ontario

Welcome to 103 Second Street in the town of Walkerton. Upon entering you’re greeted with a large foyer with views through the dining and living room. Large windows for natural light, a large open Custom Barzotti kitchen with island, quartz counter tops in kitchen and bathrooms, as well as patio doors leading to an inviting covered porch. The main level also offers a spacious master bedroom, beautiful ensuite and a large walk-in closet. With two additional bedrooms, another full bath, main level laundry and access to the double-car garage, there is more than enough space to host family & friends . The completely finished lower level includes an oversized rec room, additional rooms that could be utilized as bedrooms or office space and another full bathroom. This stunning two year old home is definitely worth a peek. (id:22681)

5 Bedroom 3 Bathroom 3179

Exp Realty

For sale
$94,900
133873 ALLAN PARK Road, west grey, Ontario

133873 Allan Park Road

West Grey, Ontario

Are you a person who loves camping? Sitting under the stars and listing to the sound of the river flowing? This property is a hidden gem. You will find a 12' X 18' cottage with a wood stove and a great view of the Saugeen River from the 10' X 22' deck. You would be roughing it as there is no hydro at the property or septic system. This property is in the municipality of West Grey, where there is a bylaw pertaining to camping trailers, due to lot size trailers are NOT eligible to stay on this property. Small strip of land between subject property and river owned by the neighbour to the South. (id:22681)

Coldwell Banker Peter Benninger Realty Brokerage (Walkerton)

For sale Open House
$875,000
554 KINCARDINE Avenue, kincardine, Ontario

554 Kincardine Avenue

Kincardine, Ontario

A RARE FIND INDEED- A 2.3 acre parcel right in the Town of Kincardine. If you have ever wanted to live in a country setting, while maintaining the comfort of town amenities, then your wait is over. A custom built, 1500 sq ft, 3 +2 bedroom bungalow has ample room for your growing family. Some features include large master bedroom with walk in closet, 4pc bath with Jacuzzi tub, 50 year fiberglass shingles installed 2021, main floor laundry, attached double garage and more. The full basement offering 2 bedrooms, full bath, rec room, exercise room, and ample storage area will lend itself nicely to your family’s needs. For your entertaining pleasure, the house sports a deck off the dining room. Sit back and relax on your covered front verandah, while listening to the sights and sounds of nature. Surrounded by trees, this property offers total privacy, in a park like setting with pond and trails. For the hobbyist enjoy the 1150 sq foot insulated, heated workshop with 2pc washroom. Enjoy the tranquility this location has to offer right in town and only a short drive to the sandy beaches of Lake Huron. Severance is possible- Buyers to do their own due diligence. Natural gas is at the lot line. Call your Realtor today. (id:22681)

5 Bedroom 3 Bathroom 2800

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$869,900
442513 CONCESSION 21, georgian bluffs, Ontario

442513 Concession 21

Georgian Bluffs, Ontario

Nestled on a generous 1.97 acre lot between the vibrant communities of Wiarton and Owen Sound, this raised bungalow epitomizes rural elegance and modern comfort. Boasting four bedrooms and three full bathrooms, it offers ample space for families of all sizes. The fully finished basement extends the living area, ideal for recreation or guest accommodation.Adding to its allure is the ashpalt drive and attached garage, providing secure parking and storage space. However, the property's crowning jewel is the expansive 36’x60’ detached shop, complete with 900 square feet of insulated and heated workspace. Whether pursuing hobbies or business endeavors, this versatile space offers endless possibilities. Beyond its practical amenities, the home exudes warmth and hospitality with open-concept living areas flooded with natural light. A well-appointed kitchen which beckons culinary adventures. Outside, the deck area invites alfresco dining and relaxation amidst the serene rural landscape.Conveniently located, residents enjoy easy access to urban amenities while relishing the tranquility of country living. Thoughtful landscaping and mature trees enhance the property's curb appeal, creating an idyllic retreat from the bustle of city life.For those seeking the perfect balance of rural charm and contemporary convenience, this property presents an unparalleled opportunity. Schedule a viewing today and discover the timeless allure of countryside living at its finest. (id:22681)

4 Bedroom 3 Bathroom 1701.7600

Sutton-Sound Realty Inc. Brokerage (Wiarton)

For sale Open House
$859,900
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
$639,900
5 MILL POINT ROAD, north bruce peninsula, Ontario

5 Mill Point Road

North Bruce Peninsula, Ontario

Looking for an efficient, 4-SEASON WATERFRONT cottage or compact home in the POPULAR PIKE BAY area on LAKE HURON? 5 Mill Point Road is a MUST SEE! First look reveals NEAR PERFECT exterior with NAUTICAL BLUE board & batten siding, white aluminum trim and 650 SQ FT of near NEW DECKING ... shows pride & care of ownership! Around back, take in the NEW 288 SQ FT PRIVATE DOCK with STUNNING LAKE HURON VIEWS and a cute as a button INSULATED & HEATED shoreside BUNKIE! The interior of this cottage or home shows IMMACULATELY as well with OPEN CONCEPT design for entertainment. Crisp, SOLID WOOD cabinetry KITCHEN with BREAKFAST BAR overlooks the HUGE 27.5ft x 11.5ft DINING & LIVING ROOM areas. STUNNING WOOD-STOVE viewed from all principle rooms WARMS the entire space. All bedrooms offer WATER VIEWS. FULL 4pc BATHROOM & LAUNDRY as well! Well-INSULATED and NEWER WINDOWS makes this an EFFICIENT property TO USE YEAR-ROUND. Newer 8x14 & 8x16 SHEDS. In addition to your private waterfront, 5 Mill St has a shared (1/11th) ownership for the private BOAT LAUNCH & DEEP WATER dock LOT area. Pike Bay General Store is a short walk away for supplies and ice cream! Just a 10min drive to Lion's Head, 25min to Sauble Beach & 45min to Tobermory - the PERFECT mid-Peninsula VACATION PROPERTY. Don't wait, MOVE QUICKLY ON THIS ONE!! (id:22681)

2 Bedroom 1 Bathroom 780

Royal LePage Rcr Realty Brokerage (Wiarton)

For sale
$849,900
978 BENTLEY Street, mount forest, Ontario

978 Bentley Street

Mount Forest, Ontario

Huge Lot, Detached Shop, Inground Pool, Country Feel, All for under $1 Million! This home is located on the southern edge of Mount Forest on a mature tree lined street which will have you feeling like you live in the country. With a nice walk into town through the trail/bridge at the end of the street, it brings you right to the Sports Complex, Sports fields and Playground. Situated on a large 132ft x 198ft lot, this property has everything you are looking for. The home boasts over 2,700 sqft of finished living space with 4 bedrooms and 2.5 bathrooms. The main floor is very family centric with its large open concept kitchen and dining room. Entertain family and friends here with the deck a step away for BBQs and a living room with large picture window overlooking the rear yard adjacent to this space. The large primary bedroom is sure to please with an en-suite, walk in closet and a perfect private office area. Need a place for family movie night or to send the kids to play? Head downstairs to the large family room with wood fireplace with a flex use area which can provide space for a multitude of purposes. Need space for kayaks, bikes, motor sports, woodworking, etc? The 33ft x 24ft detached garage provides the perfect space for all of this so that you can still park in the attached double car garage, with walk down to basement, at the house. Get ready to be the center of summer fun with the heated inground pool and large yard for backyard games. No need for a cottage when your backyard is like this! Don't forget the attached hot tub room which is convenient for those chilly winter months. Large Primary with En-Suite and Office, Detached Workshop, Attached Double Car Garage, 4 Bedrooms, 3 Bathrooms, Heated Inground Pool, Large Lot, Lots of Natural Light, Family Centric Layout, Tree Lined Road, Edge of Town, the list goes on. Come view this house and see how it feels just like home. Updates include flooring, decking, Furnace, Roof, Skylights, Well Pump, Central Air. (id:22681)

4 Bedroom 3 Bathroom 2800

Coldwell Banker Win Realty Brokerage

For sale Open House
$518,700
711 PALMATEER Drive, kincardine, Ontario

711 Palmateer Drive

Kincardine, Ontario

Are you ready to buy your first home? This modest side split was built in 1978 and over the years has had several updates. Windows were replaced in 2004 and the shingles in 2014. The hydro bills were significantly reduced when the ductless heat pump was added in 2021. One unit is in the kitchen and the second is in the primary bedroom; keeps the home cozy and comfortable all year. Hardwood flooring is found in the living room and eat-in kitchen while the carpets were removed in all the bedrooms and replaced with laminate flooring. The four piece bathroom has tile. The appliances are all less than 2 years old. The lower level flooring was improved in April 2024 - soft grey vinyl laminate. The laundry room offers great shelving. The new laminate flooring extends down the hall of the lower level to a spot that is a perfect at home office. From the eat-in kitchen one can access the back yard. Gardens create a side yard border and the mature trees/shrubs create a welcoming private space ready for BBQ dinners and evenings by the firepit. The access to the Kincardine Trails is just around the corner. Several of the schools are a short walk away, as is the Davidson Centre. Come take a look - (id:22681)

3 Bedroom 1 Bathroom 1378

Century 21 In-Studio Realty Inc.

For sale
$419,000
130 2ND AVE SE, chesley, Ontario

130 2nd Ave Se

Chesley, Ontario

This beautiful, well-maintained 3-bedroom, 1.5-bathroom, 2-storey home boasts character and charm! This home has been enjoyed by the current owners for 42 years and are now ready to pass along the keys. As you walk up to the welcoming front porch, you immediately appreciate the character this home has to offer. Upon entering the front door you are greeted by hardwood floors, high ceilings, and original trim and doors. Main level has a half bath, spacious formal dining, and living areas provide ample room for gatherings and everyday living. The spacious kitchen has cabinets from floor to ceiling with plenty of space to prepare meals as well as additional eat-in space. Upstairs, three generously sized bedrooms and a full bathroom (marble-tub surround) and the sunporch is such a lovely bonus addition to this home. Step outside off the kitchen to enjoy the great sized backyard. Located on a quiet street, its location offers easy access to downtown amenities, schools, parks, river trails, and medical services. Home offers workshop space as well as detached garage. The big updates are already completed for you, including - natural gas furnace, roof and eaves leaf filter, all electrical and plumbing redone, windows updated, front porch rebuilt, bathroom renovated, new flooring, and more. Book your showing today! (id:22681)

3 Bedroom 2 Bathroom 1971

RE/MAX Grey Bruce Realty Inc Brokerage (Chesley)

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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%.