RSS

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.

Read

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.


Read

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.


Read
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.