(519) 375 - 5120 shannon@shannondeckers.com

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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
$850,000
2375 3RD Avenue E, owen sound, Ontario

2375 3rd Avenue E

Owen Sound, Ontario

Embrace the allure of this recently constructed home nestled on Owen Sound's East side, where panoramic waterfront vistas and awe-inspiring sunsets paint a mesmerizing backdrop from every room. Meticulously designed and impeccably crafted, this residence indulges in opulence with its high-end finishes, expansive windows throughout, custom kitchen that beckons culinary delights, custom wine bar, and spa-like bathrooms. Only further complimenting this offering, the location allows for quick access to the downtown River District, Bayshore Arena, Boat Launch, and a multitude of serene walking trails. Previews now available by appointment. (id:22681)

3 Bedroom 3 Bathroom 2200

Brand Realty Group Inc.

For sale
$1,050,000
190 LOOKOUT Drive, west grey, Ontario

190 Lookout Drive

West Grey, Ontario

Embrace the harmonious blend of modern design and nature's charm, where this stunning bungalow awaits an active family seeking the perfect sanctuary. Perched atop a hill on an expansive 1.18-acre lot, this residence offers a breathtaking connection to nature and meticulous craftsmanship. Step into a world of modern elegance and rural allure as the open concept living space welcomes you on the main floor. Cathedral ceilings soar overhead, creating an airy and grand atmosphere, while large windows flood the room with natural light, showcasing views of the serene landscape. The kitchen is equipped with modern amenities and a stylish island. Host gatherings on the large covered back deck. The primary bedroom becomes a haven of relaxation with a walk-in closet and a en-suite bathroom. Two additional well-proportioned bedrooms and a tastefully designed 4-piece bath, a convenient laundry room complete the main floor. The lower level is a dream retreat for entertaining or cozy family moments. A sprawling family room, complemented by a woodstove. A wet bar ensures refreshments are always at hand, and walk-out access to the private yard seamlessly brings nature's beauty indoors. Discover an impressive office space for work or study, providing a private and inspiring environment. Fitness enthusiasts will appreciate the convenience of a private gym. Additional versatile spaces include a cold storage area and a generously sized utility/storage room with walk-out access, perfect for storage or a workshop. This home's unique charm extends to every detail, from the antique tin ceiling to the rustic barn board and metal walls, creating an ambiance of pride in ownership that is simply unparalleled. Whether you're captivated by modern aesthetics, enchanted by country charm, or seeking the perfect blend of both, 190 Lookout Drive is designed to impress. Don't miss the chance to make it yours and experience the seamless fusion of modern design and nature's embrace (id:22681)

3 Bedroom 3 Bathroom 1651

Grey County Real Estate Inc. Brokerage

For sale
$799,000
135 CONFEDERATION Drive, holland centre, Ontario

135 Confederation Drive

Holland Centre, Ontario

Welcome to this meticulously crafted custom home, tailor-made for anyone seeking a blend of sophistication and energy efficiency. With its low-maintenance design, this residence is sure to captivate and ease your daily life. Nestled in a serene cul-de-sac within the charming village of Holland Centre, this property offers the perfect proximity to the community park and rail trail, making it an ideal choice for those looking to savor an active lifestyle. Step inside through the welcoming covered front porch and bask in the sunlight that floods this expansive living space. Large windows abound, creating a bright and open atmosphere that invites the outdoors in. Designed with thoughtful consideration for single-level living, this home has everything you need on one floor. Cathedral ceilings elegantly span the dining, kitchen, and living areas, ensuring a continuous flow of natural light. The well-appointed kitchen is a standout, featuring a central island, a generously sized walk-in pantry, and convenient access to the side deck. The living room is enhanced by a cozy fireplace, perfect for creating a warm and inviting ambiance. The spacious primary bedroom offers access to the covered side deck, a walk-in closet, and a luxurious 3-piece en-suite. Plus, a practical laundry/mudroom with access to the attached, insulated, steel-clad double garage adds to the home's functionality. Venture to the lower level, where you'll find a roomy family room complemented by a second gas fireplace. Two beautifully designed bedrooms, a well-appointed 3-piece bathroom, and a utility/storage room complete this level. Outside, the impeccably maintained property boasts a garden shed and ample parking space for your RV. The expansive yard offers plenty of room for a vegetable garden and even a backyard rink, ensuring you can fully embrace outdoor activities. Reward yourself with the joys of homeownership and savor the everyday pleasures of living in this exceptional home. (id:22681)

3 Bedroom 3 Bathroom 1194

Grey County Real Estate Inc. Brokerage

For sale
$724,900
120 FOWLIE Road, northern bruce peninsula, Ontario

120 Fowlie Road

Northern Bruce Peninsula, Ontario

One Level Living with a Fully finished and Heated Garage for Another Room or ??? Efficient In-Floor Heating throughout the Entire Home keeps you warm & cozy in the off Season's. All Brand New Appliances, Concrete front Deck and Custom finishes, on over TWO acres gives you space to enjoy the Natural Setting and Wildlife. Lake Huron has a couple of Water Access points just a few minutes walk away to take in the Amazing Views & Sunsets. Pike Bay General Store/LCBO is just a short drive as well as several nearby Restaurants. Day Tripping to Lion's Head or Tobermory, Grotto, Singing Sands, to take in the area Attractions are all within a very short drive. This property is on a Year-Round paved road but very Quiet area to enjoy your daily walk or run to clear your head of life's stresses. Dark Sky night area for amazing Star Gazing and Relaxing. (id:22681)

3 Bedroom 2 Bathroom 1550

Keller Williams Realty Centres Brokerage (Wiarton)
Keller Williams Realty Centres

For sale
$699,000
126 FOWLIE Road, northern bruce peninsula, Ontario

126 Fowlie Road

Northern Bruce Peninsula, Ontario

Year-Round Custom Built Home or Cottage on over 2 ACRES. Just a very short walk to Two Quiet Beaches to enjoy the Lake Huron views and amazing Sunsets. Quiet area on a paved road only a few minutes drive to Several Restaurants and LCBO outlet. 2 Covered decks to enjoy the outdoors and Dark Sky nights for Star Gazing and Relaxing. The Home itself has many upgrades including Oversized windows, Soft close cupboards, All New Appliances and Maintenance free Exterior to name a few. The property is nicely located about 15 minutes from the village of Lion's Head where you will find a Marina, Harbour, Sandy beach, Essential amenities, and Hospital and approximately 30 minutes to Tobermory, Grotto, Singing Sands, Bruce Trail and many of the area's unique Attraction's. (id:22681)

3 Bedroom 2 Bathroom 1350

Keller Williams Realty Centres Brokerage (Wiarton)
Keller Williams Realty Centres

For sale
$749,900
177 DURHAM Street, kincardine, Ontario

177 Durham Street

Kincardine, Ontario

Located in a most desirable setting only a stones throw away from Kincardine's Dunsmoor Park, The historic Kincardine Beach Pavilion, The famous Rock Gardens and the boardwalk sits this very unique four season landmark home or cottage! The custom built 2+1 bedroom home has served incredibly well as a beachside family retreat for several decades. With over 2100 sq.ft of comfortable living space the possibilities are endless for this property as a year round home, cottage, investment or retirement property. Call your REALTOR® to schedule your personal viewing today! (id:22681)

3 Bedroom 1 Bathroom 2172

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$1,059,000
19 GRENVILLE Street N, southampton, Ontario

19 Grenville Street N

Southampton, Ontario

Welcome to The Chantry. A 3 bedroom, two storey home crafted by Launch Custom Homes in the Easthampton development! Enjoy the open concept kitchen, dining room and great room. The gourmet kitchen has a huge island and walk in pantry. Doors to the covered back porch from the dining area. The great room has a gas fireplace and is spacious. Main floor primary suite with 5 piece ensuite bath and walk in closet. Laundry on the main floor. The second floor has a computer nook area, two additional bedrooms and a full bathroom. The Unfinished basement will have a separate entrance with options for a separate residential unit or additional living space for your family. This lovely family-friendly home can still be personalized with your finish selections - but don't wait! (id:22681)

3 Bedroom 3 Bathroom 1900

Century 21 In-Studio Realty Inc.

For sale
$1,195,000
235132 CONCESSION 2 WGR, west grey, Ontario

235132 Concession 2 Wgr

West Grey, Ontario

Discover the epitome of rural living on this sprawling 52-acre farm nestled between Durham & Dornoch. A meticulously renovated family home awaits, surrounded by natural beauty & thoughtfully upgraded features that redefine comfort & style. Exterior renovations include a new front addition & back deck, new steel siding, steel roof & eavestroughing, & new doors & windows. Inside, the transformation continues with a new owned hot water tank & new plumbing & wiring. The brilliant new addition unveils a grand foyer and the open concept kitchen is a masterpiece of design, featuring stainless steel appliances that perfectly complement the pristine quartz countertops & generously-sized island. The primary bedroom is a sanctuary of luxury, complete with an ensuite 4-piece bathroom that embodies relaxation. A walk-out to the deck creates a seamless connection with the outdoors. The practicality of a linen closet & the elegance of high-end light fixtures with fans are further testaments to the thoughtful design. The walk-out basement, with 80% of the space already finished, eagerly awaits your personal touch. Stay comfortable year-round with heat and AC pumps installed on both levels. Power is no concern, with a 200 amp panel & an additional subpanel in the basement. The 52-acre lot features approx 25 workable acres & approx 6 acres of mature cedar forest. Plus, enjoy beautiful trails, Mountain Creek meandering through the property & a 20’x20’ eco pond. The farm's outbuildings are a testament to its functionality. A well-equipped shop with a concrete floor and hydro caters to practical needs. A silo, small animal outbuilding with hydro & separate pens, barn with hydro, driveshed, & garden shed are perfect for hobby farmers. Your dreams of a harmonious rural existence start here - schedule a showing today! (id:22681)

2 Bedroom 2 Bathroom 1355

Century 21 In-Studio Realty Inc.

For sale
$1,195,000
235132 CONCESSION 2 WGR, west grey, Ontario

235132 Concession 2 Wgr

West Grey, Ontario

Discover the epitome of rural living on this sprawling 52-acre farm nestled between Durham & Dornoch. A meticulously renovated family home awaits, surrounded by natural beauty & thoughtfully upgraded features that redefine comfort & style. Exterior renovations include a new front addition & back deck, new steel siding, steel roof & eavestroughing, & new doors & windows. Inside, the transformation continues with a new owned hot water tank & new plumbing & wiring. The brilliant new addition unveils a grand foyer and the open concept kitchen is a masterpiece of design, featuring stainless steel appliances that perfectly complement the pristine quartz countertops & generously-sized island. The primary bedroom is a sanctuary of luxury, complete with an ensuite 4-piece bathroom that embodies relaxation. A walk-out to the deck creates a seamless connection with the outdoors. The practicality of a linen closet & the elegance of high-end light fixtures with fans are further testaments to the thoughtful design. The walk-out basement, with 80% of the space already finished, eagerly awaits your personal touch. Stay comfortable year-round with heat and AC pumps installed on both levels. Power is no concern, with a 200 amp panel & an additional subpanel in the basement. The 52-acre lot features approx 25 workable acres & approx 6 acres of mature cedar forest. Plus, enjoy beautiful trails, Mountain Creek meandering through the property & a 20’x20’ eco pond. The farm's outbuildings are a testament to its functionality. A well-equipped shop with a concrete floor and hydro caters to practical needs. A silo, small animal outbuilding with hydro & separate pens, barn with hydro, driveshed, & garden shed are perfect for hobby farmers. Your dreams of a harmonious rural existence start here - schedule a showing today! (id:22681)

2 Bedroom 2 Bathroom 1355

Century 21 In-Studio Realty Inc.

For sale
$619,900
709 18TH STREET, hanover, Ontario

709 18th Street

Hanover, Ontario

End unit town home with finished walkout basement backing onto the trees! The main level of this home is incredibly spacious offering 1332 sq ft with an open concept floorplan. You'll find a patio door walkout from the kitchen/living/dining space to a covered back deck. There are 2 bedrooms on this level, including the master with spacious walk in closet and 3 pc ensuite with custom tile shower. Also on the main level is your laundry/mud room and 4 pc main bath. The lower level of this home has a spacious rec room perfect for entertaining with a walkout to the lovely back yard. The 3rd bedroom is on this level as well as a 3rd bathroom, and plenty of storage. (id:22681)

3 Bedroom 3 Bathroom 1332

Keller Williams Realty Centres

For sale
$799,900
11 TIPSY Lane, tobermory, Ontario

11 Tipsy Lane

Tobermory, Ontario

WATERFRONT!!! GREAT LOCATION!! 4 season Viceroy Lakelands Home or Cottage situated on large well treed lot with Southern Exposure overlooking Lake Huron. Kayak the pristine limestone shores at the Tip of the Bruce Peninsula. Easy water access, perfect for swimming with small children. Large living room with vaulted ceilings & expansive windows making for a bright space and providing stunning lake views. Patio door access to large lakeside deck. Woodstove for those chilly evenings. 3 generous size bedrooms (2 with waterside balconies), a spacious kitchen with breakfast bar & 3 pc bath round off this level. The custom metal spiral staircase with nautical rope handrail leads to a fully finished family room with a bar area & patio doors leading to a forested side of the home, 2 additional bedrooms, each with a walkout on lakeside. a large 4 pc bathroom also features laundry facilities. Access to a large 21 x 12 unfinished area which houses mechanical equipment, extra fridge & freezer and provides for a great storage space. The 24 x24 attached 2 car garage offers ample space for toy storage with a 3rd overhead door on the lakeside providing easy access to move items to and from the shoreline. Located within a 12 minute drive to the village of Tobermory. (id:22681)

5 Bedroom 2 Bathroom 1675

Chestnut Park Real Estate Limited

For sale
$599,900
705 18TH Street, hanover, Ontario

705 18th Street

Hanover, Ontario

Middle unit town home with finished walkout basement backing onto the trees! The main level of this home is incredibly spacious offering 1332 sq ft with an open concept floorplan. You'll find a patio door walkout from the kitchen/living/dining space to a covered back deck. There are 2 bedrooms on this level, including the master with spacious walk in closet and 3 pc ensuite with custom tile shower. Also on the main level is your laundry/mud room and 4 pc main bath. The lower level of this home has a spacious rec room perfect for entertaining with a walkout to the lovely back yard. The 3rd bedroom is on this level as well as a 3rd bathroom, and plenty of storage. (id:22681)

3 Bedroom 3 Bathroom 1332

Keller Williams Realty Centres

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WHAT PEOPLE ARE SAYING

Featured Comments

“Shannon took the time to learn what we liked, and what we didn’t. As first time buyers, we had quite a learning curve, and she was very patient in teaching us. She went the extra mile to find just the right home we both loved, and was as excited for us as we were!”

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Doug & Sue Reider

WOODFORD, ON

“We have worked with Shannon Deckers now on three real estate transactions! She always goes above and beyond to make things work out. Her dedication to her job, whether assisting in a sale or finding that dream property, shines through in all she does. Truly a pleasure to work with!”

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Jennifer Ageeb

OWEN SOUND, ON

“Shannon did an amazing job selling our house in record time! She really goes above and beyond! I would highly recommend her as a realtor for both buying and selling.”

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Charlene Hellens

KITCHENER, ON

FEATURED PROPERTY LISTINGS

The Best of Real Estate in Grey and Bruce

Whether you’re looking for a new home, or you plan to build your dream home, these are some of the best properties for sale in Owen Sound and Grey Bruce.

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ONTARIO’S CREDITS AND PROGRAMS

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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