Bank of Canada Holds Policy Rate at 2.75%

This morning, April 16, 2025, the Bank of Canada announced it will keep its key interest rate steady at 2.75%. This decision comes as the country faces heightened economic uncertainty due to ongoing trade tensions and tariffs with the United States, as well as recent signs of slowing economic growth and cooling inflation.
Key Points:
- The policy rate remains at 2.75%, unchanged since the last quarter-point cut in March.
Inflation cooled to 2.3% in March, down from previous months.
The Bank cited “widespread uncertainty” from the US-Canada tariff dispute, which complicates economic forecasts and policy decisions.
Business and consumer confidence, along with the housing sector, have slowed due to market volatility and trade policy unpredictability.
The Bank of Canada emphasized its commitment to price stability but warned monetary policy cannot offset all impacts of a trade war.
What This Could Mean For You:
- Homebuyers: Stable rates provide a predictable environment, helping you plan your next move with confidence. This steady footing can support ongoing affordability and borrowing options.
Sellers: The pause in rate changes helps maintain current market stability, which can be advantageous as you position your property. Market resilience means opportunities remain for motivated buyers.
Investors: While global uncertainties persist, the steady rate environment offers a foundation for cautious optimism and strategic planning in real estate and financial markets.
Looking Ahead
The Bank of Canada’s next rate announcement is scheduled for Wednesday, June 4, 2025. The Bank will publish its next Monetary Policy Report on July 30, 2025.
Read the Press Release.
Whether you’re a homeowner, prospective buyer, or real estate investor, understanding these market changes is crucial. As your trusted REALTOR®, I’m here to help you navigate these shifts and make informed decisions! Call, text, email, or DM me to chat about how this announcement affects your real estate plans!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
How to Support Local Grey Bruce Businesses Without Spending a Dime

As a real estate agent in the beautiful Grey Bruce area, I know firsthand how vital local businesses are to the fabric of our community. Supporting these businesses isn’t just about spending money—it’s about fostering connections, building resilience, and showing appreciation for the entrepreneurs who make our region special. Here are some meaningful ways you can support local businesses without making a purchase.
Leave Them a Positive Review
Take a few minutes to write a glowing review on platforms like Google or Facebook. This helps boost their online reputation and attracts new customers.
Refer Your Friends
Share your favourite local businesses with friends and family. A personal recommendation can go a long way in bringing them new customers.
Share Their Social Posts
Engage with their social media by liking, commenting, and sharing their posts. This increases their visibility and helps them reach a wider audience.
Attend Their Events
Show up to events hosted by local businesses, such as workshops or markets. Your presence helps create a vibrant community atmosphere.
Share Your Honest Feedback
Offer constructive feedback directly to the business. Your insights can help them improve and grow, ensuring they continue to serve the community effectively.
Final Thoughts on How to Support Local
Supporting local businesses in Grey Bruce doesn’t always require a financial commitment. By doing these small but meaningful actions, you can make a big difference in supporting the local businesses that make Grey Bruce unique!
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
How to Improve Curb Appeal Before Selling

When it comes to selling your home, first impressions are everything. Curb appeal can significantly impact your property’s value and selling potential, with studies showing it can add up to 7% to your home’s sale price. Here’s how to make your home stand out from the moment potential buyers arrive:
Start with the Basics
Deep Clean and Maintain
Begin with a thorough cleaning of your home’s exterior. Rent a pressure washer to clean siding, windows, gutters, sidewalks, and decks. This simple step can make your home look newer and well-maintained.
Landscape for Success
A well-kept yard is crucial. Mow the lawn, trim shrubs, and prune trees. Consider adding seasonal flowers or plants around your entrance for a pop of colour. Fresh mulch can also give your landscaping a polished look.
Enhance Key Features
Revamp Your Front Door
Your front door is a focal point. Consider repainting it in a bold, statement colour that complements your home’s exterior. If it’s beyond repair, replacing it with a new steel door can offer an excellent return on investment.
Upgrade Outdoor Lighting
Install new porch lights or add pathway lighting to create a welcoming ambiance and highlight your home’s best features.
Refresh Your Mailbox
Often overlooked, a new or freshly painted mailbox can significantly impact curb appeal.
Add Finishing Touches
Create an Inviting Entrance
If you have a porch, add some seating to help potential buyers envision themselves enjoying the space.
Update Hardware and Accents
Replace outdated house numbers, door handles, and light fixtures for a modern touch.
Consider a Fresh Coat of Paint
If your home’s exterior paint is fading or peeling, a fresh coat can work wonders.
Don’t Forget the Details
Clean Windows and Siding
Power wash your siding and clean your windows to make your home sparkle.
Tend to the Lawn
Regular lawn care, including fertilizing and weed control, can yield a high return on investment.
Final Thoughts on Boosting Curb Appeal
By focusing on these curb appeal improvements, you’re not just making your home more attractive to potential buyers – you’re potentially increasing its value. Remember, the goal is to create an inviting first impression that makes buyers eager to see what’s inside.
With these upgrades, your home will stand out in listing photos and leave a lasting impression during in-person viewings. A little effort on the exterior can go a long way in securing a quicker sale and a better price for your property.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Bathroom Staging Tips That Make a Big Impact

When it comes to selling your home, every room counts, and the bathroom is no exception. A well-staged bathroom can significantly enhance your home’s appeal and make a lasting impression on potential buyers. In this blog post, we’ll explore the top bathroom staging tips to help you transform your space into a buyer’s dream.
Deep Clean and Declutter
The first step in staging your bathroom is to ensure it is spotlessly clean. This includes scrubbing the grout, disinfecting all surfaces, and polishing fixtures and mirrors until they shine. Remove any clutter, including personal hygiene products and cleaning supplies, to create a sense of openness and cleanliness.
Neutralize the Space
Use a neutral colour palette to appeal to a wide range of buyers. Consider repainting the walls with a light, calming colour such as white, grey, or beige. This will help create a spa-like ambiance and make the space feel more modern.
Luxurious Accessories
Add luxurious touches like plush towels, decorative soap dishes, and small plants to create a spa-like feel. These small details can elevate the overall ambiance of the bathroom and make it more inviting.
Update Fixtures and Lighting
Swap outdated faucets and handles with modern finishes to give your bathroom a fresh look. Use energy-efficient lighting to brighten the space and create a welcoming atmosphere. Consider LED bulbs with a high CRI rating for the best effect.
Organize Storage
Ensure that linen closets and medicine cabinets are no more than two-thirds full. This will help create the illusion of ample storage space and make the bathroom feel more spacious.
Check the Caulking and Grout
Update the caulking around the tub and shower to remove any stains or mold. Clean and regrout tiles if necessary to maintain a clean and modern appearance.
Minimize Decor
Avoid over-decorating the bathroom. Keep the space simple and elegant with perhaps one or two pieces of wall art. This will prevent the room from feeling cluttered and allow buyers to visualize themselves in the space.
Create a Sensory Experience
Consider adding a diffuser or scented candles to create a pleasant aroma, enhancing the sensory experience for potential buyers. However, be mindful of the scent intensity. Avoid overpowering fragrances that might overwhelm or irritate visitors. Opt for light, calming scents like lavender or vanilla to create a soothing atmosphere without being too intrusive.
Final Thoughts on Bathroom Staging
Staging your bathroom effectively can make a significant difference in attracting potential buyers and securing a quick sale. By following these simple yet impactful tips, you can transform your bathroom into a serene and inviting space that buyers will love. Whether you’re looking to sell your home quickly or maximize its value, investing time in bathroom staging is well worth the effort.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Tips for Creating a Stellar Home Office Setup

Creating an inspiring and functional home office space is key to maximizing productivity and well-being. Whether you’re an entrepreneur, freelancer, or a remote employee, your workspace plays a significant role in your daily success. So, let’s dive into some expert tips to craft a home office setup that will make you excited to tackle each workday.
Location, Location, Location
Choose a spot in your home with ample natural light and minimal distractions. A room with a door that can be closed is ideal for privacy and concentration. Consider proximity to amenities like a bathroom or kitchen to minimize interruptions during your work hours.
Ergonomics Matter
Invest in a comfortable chair and an ergonomic desk that promotes good posture. Your desk should be at a height that allows your elbows to rest comfortably at a 90-degree angle while typing. A supportive chair with adjustable height and lumbar support will reduce strain on your back and neck during long hours of sitting.
Declutter for Focus
A cluttered space leads to a cluttered mind. Keep your home office organized by utilizing storage solutions like shelves, cabinets, and desk organizers. Clear surfaces of unnecessary items to minimize distractions and create a clean, calming environment conducive to productivity.
Personalize Your Space
Infuse your personality into your home office decor to make the space uniquely yours. Hang inspiring artwork, display cherished photos, or incorporate plants for a touch of greenery. Surrounding yourself with items that bring you joy can boost morale and motivation throughout the workday.
Tech Upgrades
Invest in reliable technology that enhances your workflow. Ensure high-speed internet connectivity, invest in a quality monitor, keyboard, and mouse, and consider noise-canceling headphones for virtual meetings. Upgrading your tech arsenal will streamline your tasks and minimize frustrations.
Lighting Matters
Optimize your lighting setup to reduce eye strain and boost productivity. Position your desk perpendicular to windows to maximize natural light without causing glare on your screen. Supplement with task lighting like desk lamps to illuminate your workspace during darker hours.
Create Boundaries
Establish clear boundaries between your work and personal life to maintain balance and prevent burnout. Set designated work hours and stick to them, and resist the temptation to check emails outside of those times. When you step away from your home office, make a conscious effort to disconnect and recharge.
Final Thoughts on Home Offices
By implementing these tips, you’ll transform your home office into a sanctuary of productivity and inspiration. Remember, your workspace should adapt to your needs and preferences, so don’t hesitate to experiment and make adjustments until you find what works best for you. Here’s to creating a home office setup that fuels your success and enhances your work-life balance!
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca