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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 Open House
$1,150,000
126 SUNSET Drive, kincardine twp, Ontario

126 Sunset Drive

Kincardine Twp, Ontario

126 Sunset Drive in Kincardine Township, this enchanting property spans 4.74 acres. When a real estate agent emphasizes location, location, location, this is it, being a mere 50 steps from your front door with a road in between from the pristine shores of Lake Huron. The cozy cottage, enveloped by protective cedar hedges, offers a serene retreat from the elements. Imagine the possibilities if those hedges were removed, the breathtaking sunsets that would greet you each evening. It doesn’t stop there; this gem of a property also boasts beautiful trails and lush bush, complete with deer huts, snowshoeing, cross-country skiing, and beautiful trails to enjoy year-round. There are three standout features, 1, a cozy and charming steel roof cottage that adds an adorable finish to the cottage itself. It is a two-bedroom, one-bath layout, complete with radiant floor heating in the bathroom and both bedrooms. A cozy wood stove and expansive west-facing windows flood the space with natural light. Additionally, there is a sizeable secondary structure that is winterized, complete with a wood stove, kitchenette, spacious living area, and an exceptionally large bedroom with a three-piece ensuite. This versatile space could serve as a ladies/man cave, granny suite, or a potential bunky creating a source of rental income. At the rear of the property lies a large shop with a concrete floor, wired electricity, and a wood stove, for all the potential toys to store. Large enough for the boat, snowmobile, and 4-wheeler. Surrounded by privacy, this property is conveniently located 15 minutes from Port Elgin, 10 minutes from Bruce Power, and 15 minutes from Kincardine, offering both tranquility and accessibility to nearby amenities. Don't miss the chance to experience the charm of this unique cottage escape, as properties like this are a rare find in the market. (id:22681)

2 Bedroom 1 Bathroom 1100

Exp Realty

For sale Open House
$549,900
166 SECOND Avenue N, sauble beach, Ontario

166 Second Avenue N

Sauble Beach, Ontario

This charming 3 Season cottage is situated in one of the most coveted spots in Sauble Beach. Just 80 steps away from the sandy shores, you'll find yourself immersed in the breathtaking beauty of the shore line with some of the best sunsets. Not only that, but you're also a mere 600 meters from the vibrant downtown core, where you can indulge in the hustle and bustle of fantastic shopping, delectable food, and the company of wonderful people. With an array of activities for both kids and adults, this cottage offers the perfect retreat. Boasting three cozy bedrooms one bathroom, this turnkey haven has been lovingly cared for over the past three decades. It's truly a haven ready and waiting for your family to create unforgettable summer memories. (id:22681)

3 Bedroom 1 Bathroom 538.6400

Exp Realty

For sale
$689,000
362 WESTWOOD Drive, walkerton, Ontario

362 Westwood Drive

Walkerton, Ontario

Have you been looking for an updated home with a double car garage, detached shop, situated on a lovely treed yard in a desirable area of town? This one is for you and ready for you to move right in! Come on into the welcoming foyer and see all this home has to offer. The main level features a spacious kitchen with island and access to large deck, dining area & bright living room, 3 bedrooms and a bathroom. On the lower level there is an cozy family room with wood stove, bedroom, bathroom, laundry room, and ample storage space or space to be made into a home gym, playroom, office or additional bedroom. To complete this package there is large yard that allows room for you to drive through to backyard and detached 16' x 24' garage/workshop, double wide concrete driveway, central A/C, F/A furnace and completely refreshed throughout. This one won't last long, call today to book a showing with your REALTOR®! (id:22681)

4 Bedroom 2 Bathroom 1800

Royal LePage Rcr Realty Brokerage (Hanover)

For sale
$529,900
471 4TH Street, hanover, Ontario

471 4th Street

Hanover, Ontario

This attractive brick bungalow is nestled in a quiet neighborhood in Hanover. The attached carport and a fenced back yard of a manageable size, are perfect for children, pets, or gardening. Inside, the home has undergone many thoughtful upgrades for modern living, boosting energy savings and comfort! Plus the owners had an Energy Audit completed as well as an Electrical Safety Check, allowing them to make smart upgrades for reduced energy use. Enjoy a new kitchen and appliances, updated bathrooms, flooring, fixtures, lighting, plumbing and electrical, windows, front door, hot water heater, upgraded insulation, reconditioned water softener, fireplace, concrete driveway and rear patio, leaf guard on eaves and so much more! The furnace receives regular servicing annually and roof shingles appear to be in good condition. The main floor laundry provides convenience for any age group as does the walk-up from the basement to the rear yard. With front and side entrance, potential exists, should you wish to convert the basement level to an in-law suite. The carport ceiling is high, allowing you to park small or larger vehicles. Add to this, the clean and stylish decor, a landscaped lot and lots of storage, with little to do except position your furniture! Finally, the prime location provides easy access to schools, parks, shopping and all the neighborhood amenities that families desire. With its updates and curb appeal, this charming brick bungalow is move-in ready for the lucky new owners. (id:22681)

3 Bedroom 2 Bathroom 2452

Exp Realty

For sale
$299,000
6 DOCK Lane, miller lake, Ontario

6 Dock Lane

Miller Lake, Ontario

Back to Basics! A true Dyers Bay original - this charming 1940's cottage is 3-season and rustic. This is your chance to own property with a stunning view and amazing access to Georgian Bay! The waterfront road-between property measures 44ft. by 56ft. and sits adjacent to the Dyers Bay public boat launch and government dock. Enjoy easy access to the Bay for swimming, boating and watching the stunning sunrises from the sun porch, day after day, throughout your summers here. The cottage is approximately 625 sq.ft. with 3 bedrooms, a 3Pc bathroom, laundry and open concept layout. Plus, there is a loft space for additional storage. Being sold as is where is, you get what is on site! Some windows have been updated. Easy-maintenance vinyl siding. Dyers Bay community is located mid-way on Northern Bruce Peninsula, providing views of the crystal clear waters and rock along the Niagara Escarpment, along with access to the Bruce Trail for hiking just up the hill. Tobermory and Lion's Head are only a short drive away for amenities. Get your cottage adventure started and make this property your own. (id:22681)

3 Bedroom 1 Bathroom 625

RE/MAX Grey Bruce Realty Inc Brokerage (Tobermory)

For sale
$529,900
21 CHURCH Street E, elmwood, Ontario

21 Church Street E

Elmwood, Ontario

A RARE FIND! Located in the Hamlet of Elmwood, at the end of Church St. with a 0.5 acre view of county side. Main floor has eat-in kitchen, 3pc bathroom, living room and two additional rooms. Second floor features three bedrooms and a 4pc bathroom. Detached 24 x 36 workshop, garage, storage build, enclosed workshop area (insulated, no heat) within building. Roof 2018, Furnace 2017. (id:22681)

4 Bedroom 2 Bathroom 1422

Exp Realty

For sale
$1,699,900
3585 BRUCE ROAD 3, saugeen shores, Ontario

3585 Bruce Road 3

Saugeen Shores, Ontario

Forget Muskoka. Look what $1.699 million can buy you close to home and no 400 highways involved. Saugeen River Farm. Ideal recreation property with rolling lands, beautiful mature forest area of about 50 Acres, and over 1 km waterfront on the Saugeen River. The home has had several upgrades including new siding, new windows with screens installed in July 2022. In 2020 the well was cleaned and a new pump installed. Also a new pressure tank, iron filter and a sand filter and UV light filtration system installed. Approximately 3 years ago the main level bathroom and adjacent bedroom were renovated making a total main level living area should you wish to avoid the stairs. The new windows give lots of light into the home. The rolling lands provide pleasant long views and with lots of trails this property is ideal for all your recreational pursuits. Drive through picturesque towns, villages and farms with roadside stands. Go for a day, weekend, or longer/four season enjoyment, perfect family retreat. Always pet friendly-recreation, art scene, retirement or work from home. If you're a snowbird - fall & winter seasonal Bruce contractors are a good source of income. (id:22681)

4 Bedroom 2 Bathroom 1850

Chestnut Park Real Estate Limited

For sale
$1,649,900
46 BRUCE ROAD 17, tara, Ontario

46 Bruce Road 17

Tara, Ontario

This sensational property was completely renovated in 2022 and it shows beautifully! The original farm house was stripped back to the studs and had all of the electrical, plumbing and insulation replaced. The balance of the home is all new construction finished in 2022. The interior has been exquisitely finished with loads of pot lights, high end cabinetry and built in's in the kitchen, living room, and bedrooms from Woodland Horizons in Drayton with Dekton countertops. Heat is from 2 natural gas Viessmann boilers and the warm air is circulated by 2 air handlers. There is also in-floor heat in the living room, dining room, sitting room and garage. There are also 3 gas fireplaces. The home is cooled by central air conditioning. Beautiful, 2 year old appliances are all included. An all new addition with a den, garage and a completely self contained loft apartment over the garage! All the bedrooms are generously sized with the Primary with its luxurious ensuite on the ground floor. Complete with a fenced yard and fire pit this property also has a 180' drilled well with filtration as well as a separate dug well that could be used for irrigation. The property features a state of the art, 2 year old Waterloo Biofilter septic system. With almost 6 acres and A1 zoning behind the house, there's plenty of space for a hobby farm, perfect spot for horses! Enjoy life in small town Ontario in style 🙂 Be sure to CLICK ON THE MULTIMEDIA/VIRTUAL TOUR button to access more photos, floor plans, video and a clickable walkthrough! (id:22681)

4 Bedroom 4 Bathroom 3122

Royal LePage D C Johnston Realty Brokerage

For sale
$595,000
373 BRUCE ROAD 13, saugeen first nations, Ontario

373 Bruce Road 13

Saugeen First Nations, Ontario

Welcome to 373 Bruce Road 13. Nestled along the scenic shore of Lake Huron, this immaculate waterfront cottage offers a rare opportunity to experience the peace & tranquility of lakeside living. Perfectly positioned on a 66’ x 200’ lot that gently slopes down to meet the water's edge, providing easy access to the pristine shoreline, this 3-season home or summer retreat is a haven of relaxation and comfort. Step inside to discover a warm and inviting interior, thoughtfully maintained and adorned with modern updates. Inside, the heart of the summer home unfolds with an open-concept kitchen, featuring newer cabinets, and a center island with breakfast bar. Updated kitchen and bath, along with newer windows and doors, ensure both style and functionality are seamlessly integrated. Retreat to the cozy living room, where a fireplace sets the perfect ambiance for intimate gatherings or quiet evenings in. Double patio doors beckon you to the screened porch and sundeck, where panoramic views of the lake await your admiration. Whether basking in the sunshine on the lakeside deck or seeking shelter on the leeward side flagstone patio, every moment promises to be enchanting. With a new roof installed in 2023 and meticulous landscaping enhancing the outdoor space, every aspect of this cottage exudes care and attention to detail. A detached 12' x 24' bunkhouse also awaits, complete with a bar area and convenient 2-piece bath, offering additional space for family or guests to enjoy leisure activities. Conveniently located close to Southampton shopping, this waterfront oasis offers easy access to amenities while preserving a sense of seclusion and serenity. Leased Land is by far the most economical way to enjoy your very own waterfront cottage. Don't miss your chance to experience the epitome of lakeside living – schedule your viewing today and make this enchanting cottage your own slice of paradise. (id:22681)

3 Bedroom 3 Bathroom 1200

Royal LePage D C Johnston Realty Brokerage

For sale
$1,099,900
345 BEECHWOOD Drive, georgian bluffs, Ontario

345 Beechwood Drive

Georgian Bluffs, Ontario

Welcome to this majestic home, boasting 2600 square feet of luxurious living space on just less than .4 acres nestled in Forest Heights neighborhood where homes rarely come FOR SALE. As you enter you'll immediately be greeted by an abundance of natural light. The main level features a sunken family room, perfect for relaxing evenings by the gas fireplace or entertaining guests at the built-in wet bar. The adjacent oak kitchen is a chef's dream, with ample cupboard space, quartz countertops, and a convenient breakfast area with patio doors leading to a spacious cedar deck – ideal for al fresco dining or enjoying morning coffee. Convenience is key with main floor laundry facilities, complete with a sink, as well as a 2-car garage along with space for 6 cars on the concrete drive and stamped concrete walkway to back yard. A cozy living room and dining area provide additional space for gatherings, while a well-appointed office offers built-in oak cupboards and desk space. Ascending the oak staircase to the upper level, you'll find four generously sized bedrooms, including a master retreat boasting twin double closets, a large ensuite bathroom with soaker tub and walk-in shower. A 4-piece guest bathroom serves the remaining bedrooms, ensuring comfort and convenience for family and visitors alike. The basement offers further potential with a guest room, cold room, and a generously sized unfinished area awaiting your personal touch – whether you envision a home gym, recreation room, or additional living space, the possibilities are endless. With its blend of elegance, functionality, and potential for customization, this exquisite property offers the perfect canvas for creating your dream home. Don't miss the opportunity to make this your own sanctuary in a desirable neighborhood. Minutes from your front door are walking trails through conservation area and Harrison Park Schedule your showing today and envision the possibilities awaiting you at this remarkable address. (id:22681)

4 Bedroom 3 Bathroom 2600

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$1,599,999
034344 SIDEROAD 5 NDR, west grey, Ontario

034344 Sideroad 5 Ndr

West Grey, Ontario

Historic charm meets modern convenience on this picturesque, versatile 90-acre farm, with 45 workable acres of cropland currently in wheat, that has been in the Seller's family since 1936. The well-kept 1890 farmhouse features 3 bedrooms, hardwood and pine floors, and a renovated kitchen/dining area renovated in 2019. Enjoy the 16' x 32' inground pool, updated with fencing and landscaping, perfect for entertaining. Additionally, a 1-bedroom cottage, currently rented, provides extra income. The bank barn and grounds with perennial flowerbeds have been used as a wedding venue and there is also an ever-flowing artesian well that supplies the commercial water bottling plant on the property for the opportunity of additional income streams. Don't miss this rare opportunity to own a piece of history with income potential, blending old-world charm with contemporary comforts. Located 15 minutes from the Town of Hanover, 2 1/2 hours from the GTA, 1 1/2 hours from Kitchener-Waterloo. (id:22681)

3 Bedroom 2 Bathroom 1960

Coldwell Banker Peter Benninger Realty Brokerage (Walkerton)

For sale
$929,000
LOT 56 SHILVOCK Side Road, kimberley, Ontario

Lot 56 Shilvock Side Road

Kimberley, Ontario

Riverside Retreat: Embrace Nature's Symphony on 25 Acres Along the Beaver River Welcome to a unique opportunity to own a picturesque 25-acre parcel, perfectly situated with the Beaver River as its centerpiece. Access the west half via Shilvock Sideroad and the east half from Centre Road in the charming Town of Kimberley. Key Features: Scenic Beauty: Enjoy stunning views and mesmerizing sunsets, with a golden hue casting its spell across the east ridge of the valley, accentuating the beauty of Old Baldy; Convenient Access: Reach the west and east halves effortlessly, offering the perfect blend of privacy and accessibility. Take a leisurely stroll into town, where fine dining at Hearts or gourmet pizza at Justin's Oven awaits. Proximity to Recreation: A mere 5-minute drive takes you to the Beaver Valley Ski Club, while Thornbury and the summit of Blue Mountain are just a 20-minute drive away. Expand Your Horizon: The seller is also offering approximately 25 acres directly to the west, fronting on Shilvock Sideroad—explore the potential of expanding your dream property. However, with great views comes great responsibility. The property falls under the jurisdiction of the Niagara Escarpment Commission (NEC). For all building inquiries and applications, buyers are encouraged to contact the (NEC). But that's not all – the seller is also offering a property directly across the road. Don't let this chance slip away. Act now and make your mark in the scenic Beaver Valley. Explore the endless possibilities and secure your slice of Beaver Valley paradise today! (id:22681)

Sea And Ski Realty Limited Brokerage (Kim)

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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%.