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Seniors & Downsizers: Ready for What’s Next?

Downsizing doesn’t mean losing independence—it’s about simplifying and making space for what matters most. Whether you’re moving to a smaller home, a condo, or a retirement community, we can make it easier.

We Support You With:

  • A Customized Transition Plan:
    Every situation is unique. We’ll help you create a timeline and plan that works for your comfort and pace.

  • Decluttering & Prepping for Sale:
    We have trusted partners to help with organizing, packing, estate sales, and more—so you’re never doing it alone.

  • Navigating Family Conversations:
    Sometimes loved ones have concerns or opinions. We can help mediate and guide discussions with compassion and experience.

  • Finding the Right Fit:
    From bungalows to accessible condos or adult lifestyle communities, we’ll help you find a new space that meets your needs now and in the future.

  • Understanding Finances & Tax Implications:
    Downsizing often frees up equity, but there may be tax considerations or impacts to your benefits. We can connect you with the right professionals.

We’re Here to Help: Whether you’re just starting to think about a move or ready to list, we’ll walk with you every step of the way—with patience and care.

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Thinking of Selling? Let’s Talk Before You Spend a Dime on Upgrades

Getting ready to sell? Don’t start those renos just yet—we can help you prioritize what actually matters to buyers (and what won’t pay off).

Here’s How We Help:

ROI-Focused Planning:


We walk through your home and recommend smart updates that deliver return on investment—often it’s paint and staging over full renos.

Strategic Pricing & Timing:


We help you decide when and how to list your home to get the most interest and best offers.

  • Understanding the Fine Print:

    • SPP (Sale of Purchaser’s Property): Buyers may ask for a condition that allows them to sell their current home before buying yours.

    • Escape Clauses: We’ll explain how you can still accept a better offer even if your home is under conditional offer.

    • Porting Your Mortgage: Depending on your lender, you may be able to transfer your existing rate and terms to a new home—saving you money.

  • Capital Gains Tax:
    If this isn’t your primary residence, you may owe tax on the profit. We’ll point you in the right direction for tax advice.

Let’s Meet First: Before lifting a paintbrush or hiring a contractor, let’s talk strategy.


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First-Time Home Buyers in Ontario: What You Might Not Know & How We Can Help

What You Should Know: 

  • Minimum Down Payment:

    • For homes under $500,000: 5% down.

    • $500,000 to $999,999: 5% on the first $500K, 10% on the rest.

    • $1 million+: 20% minimum.

  • Using a Gifted Down Payment:
    If a family member is gifting you the down payment, your lender will require a signed letter confirming it’s a gift, not a loan. This helps protect your mortgage approval.

  • CMHC Insurance (Mortgage Default Insurance):
    If your down payment is under 20%, you’ll need CMHC insurance. This protects the lender—not you—but it allows you to buy with less upfront.

  • Putting People on Title:
    If someone helps with your mortgage, they may need to be on title. There are legal and tax implications, so talk to your mortgage specialist and lawyer before deciding.

  • Get Pre-Approved Early:
    Don’t wait until you’ve found the perfect home. Getting pre-approved upfront tells you what you can afford, locks in a rate, and makes you a stronger buyer in a competitive market.

  • Who Pays the Realtor?
    In most cases, the seller pays the commission for both the listing agent and the buyer’s agent. That means you get expert support—for free!

  • Don’t Forget Closing Costs:
    Budget 1.5–4% of the purchase price for things like:

    • Land transfer tax

    • Legal fees

    • Home inspection/appraisal

    • Adjustments (utilities, property taxes)

Let’s Chat: We’d love to meet you for a free consultation to answer your questions and set you up for success.


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Posted in Shelburne Real Estate
Open House. Open House on Saturday, June 14, 2025 10:00AM - 12:00PM

Please visit our Open House at 117 Birch Grove in Dufferin. See details here

Open House on Saturday, June 14, 2025 10:00AM - 12:00PM

Custom Stone Home on Private 0.6-Acre Lot in Shelburne's Premier Neighbourhood. Welcome to this beautifully crafted, custom-built two-storey stone home, situated in Shelburne's most desirable neighbourhood with no through traffic. Set on a mature, private .6-acre lot with 151 ft of frontage, this 3-bedroom, 4-bathroom home blends timeless charm with modern upgrades. The updated custom kitchen, featuring quartz countertops, a breakfast bar, ample cabinetry, and premium stainless steel appliances including a double wall oven and induction cooktop. The kitchen flows seamlessly to a spacious, private composite deck ideal for entertaining. A soaring cathedral ceiling highlights the family room, anchored by a floor-to-ceiling stone fireplace with Napoleon gas stove. The enclosed stone entryway leads to a generous foyer with a walk-in coat closet and a stunning circular oak staircase, illuminated by a skylight. The upper level boasts a large primary suite with an oversized walk-through closet and a renovated 3-piece ensuite. Oak and pine trim, hardwood and porcelain floors add warmth throughout the home. The finished basement offers additional living space with a rec room featuring a gas stove, an exercise area, three walk-in storage rooms, a full bathroom, laundry/utility room, and flexibility to add a bedroom/ in-law suite or office. Extras include an attached oversized double garage with access from both the mudroom and lower level, plus an additional detached single garage/workshop perfect for storage or hobbies. Outdoors, enjoy a firepit, children's play fort, and professionally landscaped gardens with mature sugar maple trees. This move-in-ready home offers elegance, comfort, and space for the whole family in Shelburne's best location. Ideally situated near the OFSC snowmobile and OFATV trail systems, this property offers direct access to year-round outdoor adventure. 50-minute drive to Brampton.

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Posted in Shelburne Real Estate
New property listed in Shelburne

I have listed a new property at 117 Birch Grove in Dufferin. See details here

Custom Stone Home on Private 0.6-Acre Lot in Shelburne's Premier Neighbourhood. Welcome to this beautifully crafted, custom-built two-storey stone home, situated in Shelburne's most desirable neighbourhood with no through traffic. Set on a mature, private .6-acre lot with 151 ft of frontage, this 3-bedroom, 4-bathroom home blends timeless charm with modern upgrades. The updated custom kitchen, featuring quartz countertops, a breakfast bar, ample cabinetry, and premium stainless steel appliances including a double wall oven and induction cooktop. The kitchen flows seamlessly to a spacious, private composite deck ideal for entertaining. A soaring cathedral ceiling highlights the family room, anchored by a floor-to-ceiling stone fireplace with Napoleon gas stove. The enclosed stone entryway leads to a generous foyer with a walk-in coat closet and a stunning circular oak staircase, illuminated by a skylight. The upper level boasts a large primary suite with an oversized walk-through closet and a renovated 3-piece ensuite. Oak and pine trim, hardwood and porcelain floors, and plush broadloom add warmth throughout the home. The finished basement offers additional living space with a rec room featuring a gas stove, an exercise area, three walk-in storage rooms, a full bathroom, laundry/utility room, and flexibility to add a bedroom or office. Extras include an attached oversized double garage with access from both the mudroom and basement, plus an additional detached single garage/workshop perfect for storage or hobbies. Outdoors, enjoy a firepit, children's play fort, and professionally landscaped gardens with mature sugar maple trees. This move-in-ready home offers elegance, comfort, and space for the whole family in Shelburne's best location. Ideally situated near the OFSC snowmobile and OFATV trail systems, this property offers direct access to year-round outdoor adventure. 50-minute drive to Brampton.

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Posted in Peterborough Real Estate
I have sold a property at 1648 Hetherington Drive in Peterborough

I have sold a property at 1648 Hetherington Drive in Peterborough on Mar 23, 2025. See details here

Close to Trent University! Modern 4-Bedroom Townhome in Peterborough's NorthEast - Ideal purchase for Trent University Parents, Investors & First-Time Buyers! This well-maintained 2019-built townhome offers 4 bedrooms and 3.5 bathrooms and is just minutes from Trent University and Riverview Park & Zoo. The main level boasts a bright, open-concept layout, featuring a stylish kitchen/dining area with a center island, pantry, and walk-out to deck. A cozy family room and 2-piece powder room complete this level. Upstairs, the spacious primary suite includes a walk-in closet and a 4-piece ensuite with a separate soaker tub. Two additional bedrooms, a 4-piece bathroom, and a convenient laundry closet add to the functionality of this floor. The finished lower level offers a large 4th bedroom with a walk-out and a 3-piece bathroom, perfect for student rental income, guests or in-laws. Inclusions: All appliances, window coverings & light fixtures, 200A electrical service w/ provision for an EV charger, Tankless hot water heater (rental) and Central air conditioning. For students, this prime location offers easy access to Trent University, whether they choose to walk or take local transit. Don't miss this fantastic opportunity whether you're a university parent, investor, or first-time homebuyer, this home is a must-see!

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Posted in Shelburne Real Estate
I have sold a property at 132 Joseph Street in Dufferin

I have sold a property at 132 Joseph Street in Dufferin on Feb 8, 2025. See details here

Turn-Key detached Duplex perfect for Investors or First-Time Buyers. This renovated (2019) duplex is a fantastic opportunity to enter the market or expand your investment portfolio. The property features 2 bedrooms & 1 bathroom in Unit 1 and 1 bedroom & 1 bathroom (currently tenanted) in Unit 2. Live in one unit while renting out the other, or rent both for a steady income stream. Located on a generous 49.5' x 148.5' lot on a no-through-traffic street, this home is just steps from downtown Shelburne. Each unit features a private entrance, In-unit laundry and a private deck. Parking for 4 vehicles (2 at the front, 2 at the back via a seasonal private laneway) and a single detached garage for vehicle storage or additional use. Extensive renovations in 2019 included roof shingles, windows, furnace, gas hot water tank, and more. Don't miss out on this exceptional opportunity.

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Posted in Southgate Real Estate
I have sold a property at 112538 Grey Road 14 Road in Grey County

I have sold a property at 112538 Grey Road 14 Road in Grey County on Apr 16, 2025. See details here

Looking for Country privacy? Welcome to this stunning, nearly-new 3+ bedroom, 3 Bathroom bungalow, set on a private 10-acre property surrounded by picturesque nature trails and an abundance of sugar maple trees. A winding driveway leads to this custom home, where you'll discover an expansive open-concept living space with soaring 16' cathedral ceilings, creating a bright and welcoming ambiance. The kitchen features quartz countertops, a central island with breakfast bar, and a convenient walk-in pantry. The spacious primary bedroom offers a cathedral ceiling, a 5-piece ensuite bath, and a generous walk-in closet. The lower level offers endless possibilities and includes in-floor heating, with framing, electrical, and insulation already in place for 2 additional bedrooms, a fourth bathroom, a recreational area, a games room, a utility room, and a cold room. Outside, the oversized covered deck is perfect for hosting gatherings and enjoying the peaceful surroundings. Whether you're seeking a full-time residence or a weekend getaway, this property is perfect for both. Embrace country living while still being conveniently close to golf courses, skiing, snowmobile trails, ATV routes, hiking paths, and other recreational opportunities. Located less than an hour from North GTA or Georgian Bay, this property combines the tranquility of nature with easy access to urban amenities and outdoor adventures. **EXTRAS** SS Refrigerator, SS Stove, SS Dishwasher, Clothes Washer, Clothes Dryer, HRV, CAC, HWT, Water Softener, All Window Coverings, All Electric Light Fixtures, GDO's w/ Remotes.

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Categories:   Peterborough Real Estate | Shelburne Real Estate | Southgate Real Estate
This website may only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered via the website. The data relating to real estate on this website comes in part from the MLS® Reciprocity program of the PropTx MLS®. The data is deemed reliable but is not guaranteed to be accurate.