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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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LOADING

For sale
$679,900
460 JOHNSTON Avenue, saugeen shores, Ontario

460 Johnston Avenue

Saugeen Shores, Ontario

3 Bedroom side split bungalow with many upgrades. The main level is open concept with Kitchen, Dining Room and Living Room. There is also a sunroom/den with access to the large rear yard. The upper level has 3 bedrooms and a 4 piece bath. The lower level consists of a large Rec room and a 2 piece washroom, a closet laundry area as well as a large crawl space that houses the natural gas furnace. This home is centrally located very close to the downtown as well as the Port Elgin Beach famous for it's breathtaking sunsets. Upgrades include Steel Roof in 2017, both bathrooms in 2018, Flooring on main level and bedrooms in 2023, water heater in 2023. There is also a Natural Gas generator so you won't be in the dark in the case of a power outage. (id:22681)

3 Bedroom 2 Bathroom 2049

Coldwell Banker Peter Benninger Realty

For sale
$979,900
10 LAKEFIELD DR, kincardine, Ontario

10 Lakefield Dr

Kincardine, Ontario

Welcome to this beautiful custom-built raised bungalow that is sure to impress with its testament to superior craftsmanship and thoughtful design. This 4 spacious bedroom and 3 well-appointed bathroom home is just over a year old and equipped with beautiful engineered oak flooring, 9' & 10' floor-to-ceiling height, gas fireplace, and oversized garage. Modern conveniences such as on-demand hot water and a heat recovery ventilation system are seamlessly integrated into the design. The primary suite boasts a tiled walk-in shower and a generous walk-in closet, offering a private sanctuary within the home. At the heart of this residence is a deluxe kitchen, complete with premium stainless-steel appliances, a gas stove, and an abundance of soft-close cabinets. A stained hard maple island and a designated coffee bar add a touch of charm, while the walk-in pantry and quartz countertops ensure practicality is not compromised. Experience the warmth of a dry indoor cedar sauna in the basement along with a spacious rec room. Outside, a southwest facing covered patio and a floating deck overlooking a fully fenced backyard add to the comfort of living. Every detail within this residence has been meticulously selected, resulting in a blend of luxury and functionality. Some other great features of this home are an outside bbq hook up, rough in for central vac & hot tub and premium vinyl floor with cork insulation in the basement. Over 5 years of Tarion Warranty is still left on this home. Don’t miss this opportunity. Schedule your personal viewing today. (id:22681)

4 Bedroom 3 Bathroom 2585

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$679,900
217 HIGHWAY 6, south bruce peninsula, Ontario

217 Highway 6

South Bruce Peninsula, Ontario

Welcome to 217 Highway 6, a charming stone house nestled on 22 ACRES of picturesque land. This property is currently being operated as a home decor and gift shop. Conveniently located less than 5 minutes away from Wiarton and all its amenities, this prime location offers endless possibilities. The house itself features 2 bedrooms, 1 and a half baths, and boasts rustic charm that will make you feel right at home. Don't miss out on this unique property with so much potential! (id:22681)

2 Bedroom 2 Bathroom 1268.4400

Exp Realty

For sale
$1,299,000
317343 3RD Line, meaford, Ontario

317343 3rd Line

Meaford, Ontario

Step into a captivating reconstructed rural log home that seamlessly blends history and craftsmanship, delivering an unparalleled living experience in the Meaford countryside. Exuding an air of historical elegance, this beautiful dwelling was assembled from two separate log structures. The front house has a historic charm, originating from the local area and dating back to the pioneer days of the 1800s, imbuing the home with a sense of timelessness. Continuing the enchantment, the rear section embraces an extension crafted from an authentic Quebecois log cabin. A true labor of affection, this dwelling showcases meticulous assembly and attention to every detail. The staircase stands as a testament to artisanal mastery, with each step handcrafted for unique functionality. The kitchen and lower level have undergone tasteful modernization, thoughtfully curated by designers who infused each facet with care. Adjacent to the main house there is a conveniently positioned studio and double-car garage, treating you to scenic vistas from the second-story vantage point. When relaxation calls, surrender to the allure of a cozy double-sided fireplace, enveloped in the warmth of a good book. Indulge in the best of both worlds, as this charming log house is nestled in the serene countryside next to a verdant ravine. Enjoy nature at your doorstep from the expansive view over the countryside to a beautiful pond jumping with frogs and visited by wildlife. The health of the pond is maintained by a functioning overlooking windmill that serves a double purpose as it aerates the pond and enhances the property’s rural farm appeal. The property finds itself conveniently positioned between Meaford and Thornbury, assuring swift access to an array of recreational activities, conveniences, and services. A heartfelt welcome awaits you in this remarkable log abode, where the echoes of the past harmonize with the pleasures of modern living. Welcome to your new home! (id:22681)

3 Bedroom 2 Bathroom 1412.8800

Sea And Ski Realty Limited Brokerage (Kim)

For sale
$950,000
195 BLUE MOUNTAIN MAPLES Road, eugenia, Ontario

195 Blue Mountain Maples Road

Eugenia, Ontario

Welcome to your own slice of paradise nestled on the serene shores of Lake Eugenia. Situated in the heart of the Beaver Valley, this idyllic retreat promises boundless opportunities for outdoor adventure and relaxation. Step into this 2-bedroom waterfront cottage and be greeted by its inviting open-concept layout, seamlessly connecting the living, dining, and kitchen areas. Bathed in sunlight from its south-facing position, you'll enjoy warmth and brightness throughout the day. A true highlight awaits outside—a coveted boat house complete with a marine railway, ensuring effortless access to the water for endless summer fun. During the off-season, rest easy knowing your boat is securely stored away. Privacy abounds on the expansive, tree-covered lot, providing a tranquil escape from the hustle and bustle of everyday life. Imagine unwinding on the spacious outdoor deck, soaking in the stunning waterfront vistas, or gathering with loved ones around the crackling fire pit on starlit evenings. Whether you're seeking relaxation or adventure, this waterfront oasis offers the perfect balance for creating cherished memories with family and friends. Embrace the beauty of lakeside living and make this cottage your ultimate getaway retreat. Note $225.00 per year for maintenance of the private road servicing the property. (id:22681)

2 Bedroom 1 Bathroom 606.4000

Sea And Ski Realty Limited Brokerage (Kim)

For sale
$269,900
16 CHEROKEE Lane, meneset, Ontario

16 Cherokee Lane

Meneset, Ontario

Introducing 16 Cherokee Lane at Meneset on the Lake ! This meticulously maintained property shows like new, offers 780 sq.ft of living space, features 2 bedrooms, 1 bath and is tailored for a 55+ adult lifestyle. Enjoy exclusive gated access to the beach, clubhouse, outdoor activity park and unwind in this quality built 2013 mobile home. The property boasts a spacious deck perfect for outdoor relaxation, double wide paved drive as well as a 10x10 shed with hydro for added convenience. Located just minutes from Goderich where you will find golf courses, restaurants, theatre and other arts and cultural experiences. This home offers a perfect blend of tranquility and recreation. Contact your agent today to schedule a viewing and make this beautiful property your own. (id:22681)

2 Bedroom 1 Bathroom 780

RE/MAX Land Exchange Ltd Brokerage (Pc)

For sale
$1,125,000
92 MOORE Street, lion's head, Ontario

92 Moore Street

Lion's Head, Ontario

Beautiful - combination Timberframe and 2 storey home on the escarpment! Stunning views of Georgian Bay, the harbour and sandy beach in Lion’s Head. Second floor has vaulted ceilings, wood flooring, custom designed kitchen, large combination family/dining room with walkout to deck. There is also a walkout to deck from kitchen and from living area; fireplace with insert, master bedroom en-suite, and with a walkout to deck; additional bedroom and a four piece bathroom. Extensive deck for enjoying the gorgeous views of the bay! Main level features terra cotta tiles, large guest master bedroom with a walk in closet, a three piece bathroom, a large sitting area with cozy woodstove to enjoy on those cool mornings and evenings, and with a walkout. Main level also has a workshop – great for woodworking. Computer/office room, laundry/utility room with plenty of closets and storage space. Active security system, in-floor heating throughout the home. There is a double detached garage with a loft that allows for extra storage! Private setting; gardens in spring and summer and early fall. Circular driveway. Updates include new stove in kitchen in 2020, main level renovations were done in 2010, sliding doors were replaced in 2014, roof shingles were replaced in 2014, replaced pump in toilet on main level, new French doors and exterior of home was stained in 2015, decks repaired in 2019. Property size is 100 feet x 375 feet and comes with an adjacent lot (233 feet x 300 feet in size Roll Number 410962000713000) which offers additional privacy. Bruce Trails close by, downtown shopping, beautiful sandy beach and marina, school, hospital, and all other amenities that the village has to offer. This property offers the complete blend of comfort, functionality, and natural beauty. Combined taxes with adjacent lot included: $5900.89. Yearly hydro costs approximately $2300; propane approximately $2350. Situated in an exclusive area of Lion's Head and a great neighbourhood! (id:22681)

3 Bedroom 3 Bathroom 3200

RE/MAX Grey Bruce Realty Inc Brokerage (Lh)

For sale
$1,400,000
1410 CONCESSION 2, kincardine, Ontario

1410 Concession 2

Kincardine, Ontario

This hobby farm of approximately 40 acres has all the farm characteristics including a 5 bedroom, 2.5 bath bungalow home with attached one car garage and 2 attached workshop areas. The traditional farm bank barn and driveshed are also on the property to provide opportunities for all those farm activities you wish to enjoy. Features of the home include Geo Thermal heating system with optional wood heat on both main and lower level (including wood fireplace in living room), over 3000 sq. ft. of finished living area, all brick home, bay window in living room, all-season sunroom addition, attached to the garage is a smaller garden utility room, a spacious attached workshop (heated and insulated) 25’ x 30’, another attached workshop 25’ x 15’, interior passageways between the one-car garage and all these attached workshops provide superior convenience for work or hobbies, entrance from garage to home, basement and backyard drive, vehicle access from backyard, detached garden shed. The lower level at one time did have a kitchen installed so has the necessary features to add a kitchen. The home is well positioned on a corner lot with two driveways (front and back) and only 1.5 miles from Highway 21 or the Village of Tiverton. 10 minute or less drive to the beaches of Lake Huron, Bruce Power Nuclear plant for 15-20 minutes or the towns of Kincardine and Port Elgin. (id:22681)

5 Bedroom 2 Bathroom 3228

Coldwell Banker Peter Benninger Realty

For sale
$1,500,000
1019 BRUCE ROAD 9, south bruce peninsula, Ontario

1019 Bruce Road 9

South Bruce Peninsula, Ontario

Private setting on 137 acres - Seller willing to finance for qualified buyer at 4% for 2 years. Surrounded by towering maples, the 1 ½ storey home was built in 2006 with quality construction and finishes. Cathedral ceilings with timber accents, spacious living areas, main floor bedroom plus a loft bedroom with southern views and lots of natural light. This low EMF property has so much to offer. Make your own organic maple syrup, as done in the past on this property. Insulated shop 37’x52’ was built in 2017 and could be used as a sugar shack or for many more uses. House and shop have separate hydro panels and separate septic systems. Lots of good trails throughout the rolling bush. Numerous recent upgrades including drilled well (2022), roof & siding (2020), heat pumps a/c (2023), kitchen appliances (2023). Lots of great storage space. Drilled well to west of parking area, septic south of house. Generator included. Bell internet available (owner uses Starlink). Shop septic south side. Low taxes through Forest Management Program. (id:22681)

2 Bedroom 2 Bathroom 1600

Royal LePage Rcr Realty Brokerage (Flesherton)

For sale
$995,000
315338 HIGHWAY 6, chatsworth, Ontario

315338 Highway 6

Chatsworth, Ontario

Paradise for the outdoors lover, this property has so much to offer! 12.75 acres of mostly treed land hosts a brick bungalow with 1 car oversized garage, a 62’ x 32’ barn/workshop with full loft, 2 beautiful ponds (one with sprinkler system) and so much more. Main level living is available in the 1164 sq ft bungalow, where you’ll find a spacious bedroom with walk in closet and 2 pc ensuite, living room, kitchen, mudroom (with option for main level laundry) & another 4 pc bath. Patio doors lead out to the back deck with wedding cake style stairs overlooking the lovely yard and ponds. The lower level of the home offers a large rec room along with 2 other rooms with closets, suitable for your office or hobby room! In the mechanical room you'll find laundry, a new propane furnace installed in 2023, owned hot water tank, 2 sump pumps, and transfer switch for the included Generac generator. Out in the workshop, which has hydro and water, you’ll have plenty of space for storage, hobbies, and even your own man cave! Just down the road, a third driveway leads to another clearing for future opportunities. Call today for a viewing! (id:22681)

1 Bedroom 2 Bathroom 1164

Keller Williams Realty Centres

For sale
$449,900
636 JOHNSTON Crescent, kincardine, Ontario

636 Johnston Crescent

Kincardine, Ontario

636 Johnston Crescent presents a comfortable move in ready, affordable home. The 2 story,3 bedrooms, 1 1/2 baths, starter/family home is located very close to schools and close proximity to walking trails, churches, the community centre and shopping. The present owner has installed a new electrical panel, bath tub, ceiling fans, etc in recent years and painted many of the rooms in the home. The ample back yard is fully fenced, all appliances are as is. This move in ready home would be a fine place to make fond memories in! (id:22681)

3 Bedroom 2 Bathroom 1381

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$399,900
PT LT 4 CONCESSION ROAD 8, west grey, Ontario

Pt Lt 4 Concession Road 8

West Grey, Ontario

4.88 acre building lot - Maple bush. Located on a quiet country road, just off a paved road. The winding driveway provides privacy and leads to a cleared area. Beautiful setting for a home. Good trails throughout the property. Only 10 minutes to Markdale, 10 minutes to Durham, steps to the Ferns Golf Course and hundreds of acres of County and Conservation lands. (id:22681)

Royal LePage Rcr Realty Brokerage (Flesherton)

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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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