Buying a cottage is about more than acquiring a property—it’s about creating a sanctuary for relaxation, family gatherings, and life’s best moments. However, the process presents unique considerations that differ from purchasing a standard home. Whether you’re dreaming of lazy lakefront afternoons, cozy woodstove evenings, or outdoor adventures, here are top tips to ensure your cottage purchase is a rewarding experience.
Before you begin searching, consider:
Not all cottages are equal in terms of access and utilities:
Beyond the purchase price, consider:
A real estate professional who specializes in cottage properties will:
Buying a cottage is a special investment in your lifestyle and well-being. By taking the time to research, plan, and lean on specialized local expertise, you’ll set yourself up for years of cottage memories. If you have questions or want personalized cottage-buying advice, I’m here to help every step of the way!
Looking to buy a cottage in another part of Ontario? I can connect you with another amazing REALTOR® in your new area.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation 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
Welcome to the Bruce County Housing Market Update for June 2025!
In this post, you’ll find the latest listing stats for Arran Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. Whether you’re actively in the market or just keeping an eye on local trends, this month’s report will help you make sense of what’s happening in your community and what it could mean for your next move.
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
The real estate market in Grey County continues to evolve as we move through 2025. Whether you’re eyeing the slopes in Blue Mountains, the quiet countryside of Chatsworth, or the vibrant community of Owen Sound, knowing what’s happening in the local housing market can help you plan your next move wisely.
In this update, we’re breaking down the latest trends and numbers for Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey, giving you clear insights into what’s driving prices, inventory, and buyer activity this July.
If you’re thinking about buying, selling, or just staying informed, here’s what you need to know about Grey County real estate right now.
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Creating a fresh and inviting atmosphere in your home is essential, especially when selling or welcoming guests. Odours can significantly impact how people perceive a space, and unpleasant smells may even deter potential buyers. Here’s a guide to keeping your home smelling its best, inspired by expert advice and practical tips.
A home that smells clean and fresh immediately makes visitors feel comfortable and relaxed. Conversely, bad odours (whether from pets, moisture, smoke, or mustiness) can create a negative impression and reduce the appeal of your property. Addressing odours is as important as decluttering or staging your home for sale.
Control Moisture: High humidity encourages mold and mildew, which cause musty smells. Use a dehumidifier in rooms with humidity above 60%, replace sponges and towels regularly, hang bathmats to dry, and avoid rugs in humid climates.
Clean Thoroughly and Regularly: Vacuum carpets, furniture, curtains, and throw pillows often. Steam clean carpets and upholstery to remove embedded odours. Wash linens and curtains frequently.
Maintain Trash Bins: Use small trash bins to encourage frequent emptying and remember to clean the bins regularly.
Freshen the Air: Open windows when possible to let fresh air circulate. Use air purifiers to reduce airborne bacteria and fungi that cause odours.
Natural Odour Absorbers: Baking soda is excellent for neutralizing smells on carpets, mattresses, and pet beds. Coffee grounds or charcoal briquettes can absorb odours when placed in bowls around the home.
Use Pleasant Scents Wisely: Potpourri, diffusers, candles, and room sprays can enhance a home’s scent but should never mask bad odours. Houseplants like begonias, citrus trees, and lavender add subtle, natural fragrances. Hanging eucalyptus branches in the shower releases refreshing scents with steam.
Clean Drains and Toilets: Monthly cleaning of drains with vinegar, baking soda, and boiling water prevents buildup and odours. Toilets should be cleaned frequently to avoid unpleasant smells.
Address Specific Odours: For pet smells, vacuum thoroughly and clean pet beds. For smoke odours, airing out the home, steam cleaning carpets, and possibly replacing flooring or repainting walls may be necessary.
Eliminating odours at the source—not just masking them—is the key to a truly fresh-smelling home. A clean, well-ventilated, and pleasantly scented environment not only improves your daily living experience but also enhances your home’s marketability. When your home smells inviting, buyers feel more relaxed and positive, increasing the likelihood of a successful sale.
If you’re preparing your home for sale or simply want to maintain a welcoming atmosphere, these odour-busting tips will help you keep your space smelling great and leave a lasting good impression.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation 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
The Bank of Canada has announced that it is maintaining its key policy rate at 2.75%, keeping the Bank Rate at 3% and the deposit rate at 2.70%. This decision comes amid a backdrop of global trade uncertainty and persistent—but contained—inflation, and has important implications for both homebuyers and sellers across the country.
Several factors influenced the Bank’s decision:
For those in the real estate market, today’s announcement offers a measure of stability:
The Bank of Canada’s next rate announcement is scheduled for Wednesday, September 17, 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
Thinking about moving into a bigger home? Upsizing is an exciting milestone, whether you’re welcoming new family members, craving more space, or simply ready for a change. But before you make the leap, it’s crucial to pause and ask yourself some important questions. The right answers will help ensure your next move is a smart, satisfying, and financially sound decision. Here are the top questions to consider before upsizing:
Start by identifying the core reason behind your desire to upsize. Are you struggling with a lack of space, needing a home office, or hoping for a larger yard? Maybe you’re thinking about long-term investment potential. Understanding your true motivation will help you focus your search and avoid costly mistakes down the line.
It’s easy to think a bigger home is the answer, but sometimes reconfiguring or renovating your current property can solve your issues. Could an extension or open-plan renovation provide what you need? Weigh the pros and cons of moving versus upgrading your existing home or making a more lateral move before making a decision.
A larger home means higher costs: not just a bigger mortgage, but increased utility bills, property taxes, insurance, and maintenance. Make sure you’re comfortable with these ongoing expenses, not just the purchase price. Consult with a mortgage broker or financial adviser to understand your borrowing power and future-proof your budget against rising costs.
Think about your long-term plans. If you’re upsizing for growing children, will you still need all that space in five or ten years? Consider whether your new home will suit your lifestyle as your needs evolve, so you’re not moving again sooner than you’d like.
A bigger home in the wrong location can quickly lose its appeal. Research neighbourhoods for access to schools, transport, work, and amenities that matter to you. If you love your current area, consider whether you can upsize nearby or even renovate instead.
Don’t forget about the hidden costs: legal fees, agent commissions, moving expenses, and the cost of furnishing a larger space. Make sure you factor these into your overall budget to avoid surprises.
Picture your life over the next 5–10 years. Will your new home still fit your needs as your family grows, your work situation changes, or your interests evolve? Upsizing is a big investment, so make sure your next home supports the lifestyle you’re building toward—not just the one you have today.
Upsizing can be a fantastic way to enhance your lifestyle and invest in your future, but it pays to approach the decision thoughtfully. By asking yourself these key questions, you’ll be better equipped to make a move that truly fits your needs, your budget, and your dreams.
If you’re considering upsizing, reach out for a personalized consultation. I’m here to help you navigate every step of the process and find the perfect home for your next chapter.
Ready to upsize with confidence? Let’s talk about your goals and make your move seamless!
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation 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
Sometimes, uninvited guests show up in your garden, leaving your plants fighting to survive. If you’re looking for harsh-chemical-free ways to keep your garden healthy and pest-free, here are some natural strategies to help your plants thrive.
Strong, healthy plants begin with healthy soil. Mixing in organic compost not only fertilizes your plants but also helps them better withstand pest attacks. Well-nourished plants are naturally more resilient and less likely to succumb to infestations.
Selecting plants that match your garden’s sunlight exposure is essential. Plants that receive the right amount of sun are less likely to weaken and become vulnerable to pests. Consider adding strong-scented plants like marigolds, chives, thyme, mint, and lavender. These aromatic plants naturally repel many common pests and attract pollinators, giving your garden an extra boost.
Planting a variety of species prevents pests from concentrating in one area. For example, alternate rows of vegetables with pest-repelling plants to create a natural barrier. Rotating your vegetable crops each year also confuses pests and keeps your soil healthy, reducing the risk of recurring infestations.
Keep a close eye on your plants. If you spot pests early, remove affected leaves or, if necessary, the entire plant to prevent the problem from spreading. You can also plant species that attract natural predators of common garden pests, adding another layer of defence to your garden ecosystem.
Row covers are a simple and effective way to protect your plants. They allow sunlight and water in while keeping pests out. Just remember to lift the covers for a few hours each morning so pollinators can do their important work.
If you dream of expanding your garden or want a home with more room to cultivate your green thumb, I can help! Contact me today to find your perfect home with the space you need for your ideal garden oasis.
May your garden flourish and may the pests steer clear!
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation 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
Buying a home is one of the biggest financial decisions you’ll ever make. While it’s easy to get caught up in the excitement of open houses and online listings, the reality of homeownership comes with a new set of financial responsibilities. That’s why I recommend a simple but powerful budgeting exercise to help you prepare: Pretend Like You Own a Home.
Before you start house hunting, take a close look at your income and expenses. Track every dollar you earn and spend for at least a month. This will give you a clear picture of your financial health and help you identify areas where you can cut back if needed.
Next, speak with a mortgage agent. They’ll help you understand what you can comfortably afford based on your financial situation, current interest rates, and available loan products. This step is crucial: it grounds your expectations in reality and prevents you from falling in love with homes outside your budget. Have questions about home budgeting? Let’s chat! I also work closely with some fantastic local mortgage agents and would be happy to connect you.
Here’s where the exercise gets real. Take the amount you’d expect to pay each month for your mortgage, based on your lender’s estimate, and physically move that money into a high-yield savings account. Do this every month, just as if you were paying a mortgage.
This “practice payment” does two things:
A mortgage payment is just one part of the cost of homeownership. Don’t forget to include:
Add these estimated costs to your monthly “practice payment” to get a true sense of what your future budget will look like.
After several months of making these practice payments, you’ll have a clear, realistic understanding of what homeownership will feel like financially. You’ll know exactly what you can afford, and you’ll be confident making offers on homes within your budget.
If your new payment exceeds your current one (be it rent or a mortgage), start tucking away the extra cash each month. Does your budget still fit? If not, it could be a sign to rethink the type, location, or size of the home you’re eyeing.
This exercise isn’t just smart—it’s empowering. It helps you accurately imagine the new expenses of owning a home within the boundaries of your current budget. Plus, you’ll have extra savings set aside for when you’re ready to make your move. Contact me to schedule a free, no-obligation buyer consultation for more personalized real estate information.
Disclaimer: This blog post is for informational purposes only and does not constitute financial or legal advice. Everyone’s situation is unique—please consult with a qualified mortgage professional, financial advisor, or real estate expert for personalized guidance before making any major decisions.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation 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
Welcome to the Bruce County Housing Market Update for June 2025!
In this post, you’ll find the latest listing stats for Arran Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. Whether you’re actively in the market or just keeping an eye on local trends, this month’s report will help you make sense of what’s happening in your community and what it could mean for your next move.
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Grey County’s real estate market continues to evolve as we move through 2025. Whether you’re eyeing the slopes in Blue Mountains, the quiet countryside of Chatsworth, or the vibrant community of Owen Sound, knowing what’s happening in the local housing market can help you plan your next move wisely.
In this update, we’re breaking down the latest trends and numbers for Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey, giving you clear insights into what’s driving prices, inventory, and buyer activity this June.
If you’re thinking about buying, selling, or just staying informed, here’s what you need to know about Grey County real estate right now.
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
INFO & SERVICES
CENTURY 21 In-Studio Realty Inc. Brokerage
9 Main St E, Markdale, ON N0C1H0
(519) 375-7653
INFO & SERVICES
Independently Owned and Operated. ®/™ trademarks owned by Century 21 Real Estate LLC used under license or authorized sub-license. © 2020 Century 21 Canada Limited Partnership © 2020 Century 21 Canada Limited Partnership
The trademarks MLS®, Multiple Listing Service® and the associated logos identify professional services rendered by REALTOR® members of CREA to effect the purchase, sale and lease of real estate as part of a cooperative selling system. The trademarks REALTOR ® , REALTORS ® and the REALTOR ® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Used under license. This listing content provided by REALTOR.ca has been licensed by REALTOR® members of The Canadian Real Estate Association. Not intended to solicit properties currently listed for sale or buyers under contract.
Century 21 Canada Limited Partnership currently has franchise opportunities available in select markets across Canada. The intent of this communication is for informational purposes only and is not intended to be a solicitation to anyone under contract with another real estate brokerage operation. This e-mail message contains confidential information intended only for the use of the individual or entity named above. Any unauthorized use or disclosure is strictly prohibited. If you have received this communication in error please immediately delete the e-mail and either notify the sender at the above e-mail address or by telephone.
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