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The next scheduled date for announcing the overnight rate target is January 28, 2026. The Bank’s next MPR will be released at the same time.
Market Updates •
10 December 2025
Bank of Canada Maintains Policy Rate at 2¼% | Dec 10, 2025
Dec 10, 2025: The Bank of Canada today kept its overnight rate target at 2.25%, signaling stability amid global trade shifts and resilient growth in Canada’s economy, which hit 2.6% in Q3. Inflation remains near the 2% target, with core measures steady between 2-3%, supporting a balanced outlook for homebuyers and sellers in Grey Bruce.
What You Can Do Next
If you are a homeowner, buyer, or seller, this is a good time to revisit your plans:
- Review your current mortgage: Know whether you are in a fixed or variable product and how future rate changes could affect your payments.
- Get pre-approved or updated: If you are thinking about buying, an updated pre-approval can help you understand your true budget in today’s rate environment.
- Talk strategy for 2026: If you plan to move, refinance, or invest next year, use this period of relative stability to map out your steps.
Looking Ahead
Final Thoughts
As a real estate professional, this type of announcement is a reminder that your real estate decisions are closely connected to the broader economic landscape. If you want to understand how this interest rate decision affects your specific situation—or the local housing market in your area—reach out to discuss your goals and options.
Disclaimer: This blog is for informational purposes only and does not constitute financial or legal advice. Always consult with qualified professionals for guidance specific to your circumstances.
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!
519.377.5154
susan.moffat@c21.ca
Homeownership • Selling •
3 December 2025
Holiday Decorating Tips to Wow Buyers
Decorating your home for the holidays is a perfect opportunity to create a warm, inviting atmosphere—whether you’re staying put or preparing to sell. With a thoughtful approach, festive touches can boost curb appeal, showcase your property’s best features, and help buyers imagine celebrating their own traditions in your space.
Simple and Elegant Holiday Decor
Embrace a refined approach to decorating by choosing classic, understated elements. White or warm string lights, fresh greenery, and subtle touches of red, silver, or gold add cheer without overwhelming. A cohesive color palette—whites, golds, silvers, or soft greens—creates timeless style and complements most interiors. Less is more; let your home’s beauty shine through balanced, minimal décor.
Highlight Key Features with Festive Accents
Use holiday accents to spotlight your home’s best features:
- Frame doors and windows with garlands or wreaths.
- Accent fireplaces or elegant staircases with simple garlands or candles (please practice candle safety!).
- Place a modest Christmas tree where it complements flow and natural light, rather than overwhelms a room. This draws buyers to spacious, bright areas.
Create Inviting, Cozy Spaces
Enhance coziness with soft textures—throw blankets, plush rugs, accent pillows—or gentle scents like pine, cinnamon, or vanilla. Layered lighting such as table lamps and string lights softens rooms, making them feel magical and spacious. Keep fragrances mild and avoid personalized themes so buyers can picture themselves celebrating in these spaces.
Curb Appeal Matters
First impressions are critical. Use subtle exterior touches:
- Hang a neutral wreath on the front door.
- Frame the entrance with potted evergreens or clear white lights.
- Keep pathways well-lit and decorated but not crowded.
- Consider putting away elaborate inflatables and personal displays, as these can detract from architecture and spaciousness.
Declutter and Depersonalize
Before decorating, declutter to maximize space. Hide personal items, minimize countertop clutter, and leave walkways open. Decorations should enhance rather than shrink your rooms, allowing buyers to focus on the property, not just the holiday theme.
Quick Tips
- Choose a neutral, nature-inspired palette.
- Use strategic, minimal décor to highlight focal points.
- Opt for classic elements like wreaths, garlands, or a simple table centrepiece.
- Avoid overcrowding—select a few impactful items for each space.
- Ensure rooms are clean, open, and welcoming to all buyers.
Final Thoughts on Holiday Home Staging
Decorating for the holidays is a chance to showcase your home’s warmth and charm. Whether you’re selling or simply celebrating, these tips will help you create a festive and buyer-friendly environment.
Thinking of making a move this season? Contact me for personalized advice and a complimentary property valuation. Happy Holidays!
Looking to buy, sell, or invest in Grey Bruce, Ontario? 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 Millennium Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Market Updates •
2 December 2025
Bruce County Housing Market Update | November 2025
The Bruce County housing market continues to show its own unique trends as we move through 2025. Whether you’re considering buying, selling, or simply keeping an eye on local real estate, staying informed about the latest numbers is key.
In this update, we’ll break down the November 2025 housing market stats for Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. From sales activity to price changes, this snapshot will give you a clear picture of how the market is performing across our region.
Thinking about your next move? Contact me for a free, no-obligation consultation, personalized advice for buyers and sellers, and complimentary property valuations. Let’s talk about your goals and make your real estate journey a success!
Bruce County Housing Market Update for November 2025
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 or buyer consultation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 Millennium Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Market Updates •
2 December 2025
Grey County Housing Market Update | November 2025
The Grey County real estate market continues to reflect dynamic shifts as we move through 2025. Whether you’re planning to buy, sell, or simply keep up with the latest local trends, having the right information is key to making confident decisions.
In this update, we’ll take a closer look at the November 2025 housing market stats for The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey. From home prices to sales activity, this snapshot will help you see how each community is performing in today’s market.
Thinking about your next move? Contact me for a free, no-obligation consultation, personalized advice for buyers and sellers, and complimentary property valuations. Let’s talk about your goals and make your real estate journey a success!
Grey County Housing Market Update for November 2025
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 Millennium Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Homeownership •
26 November 2025
How to Maximize Your Bathroom Storage
Maximizing bathroom storage is essential for keeping this frequently used space organized, functional, and visually pleasing. Whether your bathroom is small or spacious, smart storage solutions can make a significant difference in clearing clutter and enhancing daily routines. Here are expert tips to help homeowners make the most of their bathroom storage space.
Utilize Under-Sink Space Wisely
The area under the bathroom sink is often underutilized due to plumbing pipes, but it offers valuable storage potential. Installing adjustable shelves or stackable bins allows for vertical storage, perfect for organizing cleaning supplies, toiletries, and hair products. Using baskets or crates can also keep items grouped neatly and easy to access, preventing this space from becoming a chaotic catch-all.
Invest in Multi-Functional Storage Pieces
Replacing a traditional bathroom mirror with a mirror cabinet adds hidden storage right above the washbasin, keeping daily essentials within easy reach but out of sight. Adding a slim trolley on wheels can provide portable extra storage for bottles and boxes without taking up too much floor space. Over-the-door hooks or wall-mounted hooks create vertical hanging space for towels and robes, making use of often overlooked areas.
Organize Drawers and Cabinets with Dividers and Clear Containers
Bathroom drawers can quickly become cluttered, but dividers help create designated spots for makeup, toiletries, and grooming tools. Transparent boxes or organizers make it easy to see what’s inside, saving time when searching for specific items. Keeping duplicate or less-used items in separate storage bins under the sink maintains order and streamlines daily routines.
Incorporate Vertical and Creative Shelving
In small bathrooms, maximizing vertical space is crucial. Installing slim, tall cabinets, ladder-style shelves, or floating shelves over the toilet uses vertical wall space effectively without crowding the floor. Shelves in unusual places like above the bathroom door or even in window alcoves can provide extra storage for towels, toiletries, or decorative jars.
Declutter Regularly and Store What’s Used Daily on Counters
A clutter-free bathroom starts with regular decluttering—discard expired products and relocate items that do not belong. Frequently used items deserve a spot on a small tray or in nice storage jars on the counter. This keeps essentials accessible while maintaining a tidy appearance.
Final Thoughts on Smart Bathroom Storage
By adopting these bathroom storage strategies, homeowners can create a more organized, efficient, and enjoyable space. Effective storage solutions not only enhance the functionality of the bathroom but also contribute positively to the overall home buying or selling experience by making the space appear well-maintained and thoughtfully designed.
But, if you’re still dreaming of a home with a bigger, more accommodating bathroom to match your storage needs, don’t wait! Call me today to explore listings with spacious bathrooms that give you all the room you need to live comfortably and organized. Let’s find your dream home together!
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 Millennium Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Homeownership •
19 November 2025
How to Create a Living Room You’ll Love Coming Home To
If your living room feels more like an afterthought than an inviting, well-designed space, it might be time for a change. With the right planning, colour palette, and attention to detail, your living room can become the heart of your home.
Start with Inspiration
Browse interior design websites or magazines to explore different styles and ideas. Identify the design aesthetic that fits your personality—whether relaxed country charm, modern simplicity, or cozy cottage comfort. Choose a colour palette that feels cohesive and calming, and be realistic about your lifestyle. For families and pet owners, opt for durable fabrics and forgiving shades.
Plan for Flow and Functionality
Before purchasing furniture, measure your space and visualize how you’ll use it day-to-day. Arrange your layout to encourage conversation and movement. Positioning furniture slightly away from the walls can make the room feel more spacious and inviting. Select a sofa that anchors the space without overpowering it, and pick an area rug that comfortably fits under key pieces to tie the look together.
Light It Right
Lighting can transform how your living room feels. Layered lighting creates depth—combine ceiling fixtures with floor lamps, table lamps, or wall sconces. Balancing task and ambient lighting ensures your space is both practical for reading and ambient for relaxing evenings.
Add Texture and Personality
The finishing touches make your space feel complete. Incorporate décor that adds texture and warmth—woven baskets, plush throws, wood accents, and greenery all add interest. For walls, introduce personality through mirrors, art, or a curated gallery wall.
Know When to Call a Professional
If you’re uncertain about hanging artwork, installing drapery, or balancing proportions, consider consulting an interior designer. Expert advice can help fine-tune details that truly elevate your space.
Final Thoughts
A thoughtfully designed living room doesn’t just look beautiful—it increases comfort, enhances resale appeal, and leaves a lasting impression on guests and potential buyers. If you’re thinking about refreshing your home’s interior to prepare for the market, contact me today for local insights and personalized advice on presenting your property at its best.
Looking to buy, sell, or invest in Grey Bruce, Ontario? 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 Millennium Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Market Updates •
5 November 2025
Bruce County Housing Market Update | October 2025
The Bruce County housing market continues to show its own unique trends as we move through 2025. Whether you’re considering buying, selling, or simply keeping an eye on local real estate, staying informed about the latest numbers is key.
In this update, we’ll break down the October 2025 housing market stats for Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. From sales activity to price changes, this snapshot will give you a clear picture of how the market is performing across our region.
Thinking about your next move? Contact me for a free, no-obligation consultation, personalized advice for buyers and sellers, and complimentary property valuations. Let’s talk about your goals and make your real estate journey a success!
Bruce County Housing Market Update for October 2025
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 or buyer consultation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Market Updates •
5 November 2025
Grey County Housing Market Update | October 2025
The Grey County real estate market continues to reflect dynamic shifts as we move through 2025. Whether you’re planning to buy, sell, or simply keep up with the latest local trends, having the right information is key to making confident decisions.
In this update, we’ll take a closer look at the October 2025 housing market stats for The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey. From home prices to sales activity, this snapshot will help you see how each community is performing in today’s market.
Thinking about your next move? Contact me for a free, no-obligation consultation, personalized advice for buyers and sellers, and complimentary property valuations. Let’s talk about your goals and make your real estate journey a success!
Grey County Housing Market Update for October 2025
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
Buying •
5 November 2025
Renting vs Buying: Which Is Right for You?
In today’s evolving housing market, one of the biggest financial decisions many people face is whether to rent or buy a home. Both paths come with their own advantages and trade-offs, and the right choice often depends on your lifestyle, financial goals, and long-term plans. Understanding these factors can help you make a confident and informed decision.
The Case for Renting
Renting offers flexibility and freedom—perfect for those whose careers or lifestyles require mobility. It’s also a good option if you’re not yet ready for the financial commitment of homeownership.
Key benefits of renting:
- Lower upfront costs: You typically need only a security deposit and first month’s rent.
- Less responsibility for maintenance: Landlords handle major repairs and upkeep.
- Flexibility to move: Renting makes it easier to relocate for work or personal reasons.
Renting is often ideal for those still exploring different neighbourhoods, saving for a down payment, or planning short-term stays.
The Case for Buying
Buying a home is a long-term investment that can build equity and stability. When you own a home, your monthly mortgage payments go toward something you own—not your landlord’s income.
Key benefits of buying:
- Equity growth: As you pay down your mortgage, you build ownership in the property.
- Stable monthly payments: Fixed-rate mortgages protect you from rising rents
- Tax advantages: Homeowners can often deduct mortgage interest and property taxes.
- Personalization: You can renovate, decorate, and modify your home however you like.
For those planning to stay in one place for several years, buying can offer both financial and emotional rewards.
How to Decide
When choosing between renting and buying, consider these questions:
- How stable is your income and job situation?
- Are you planning to stay in one place for at least 3–5 years?
- Do you have savings for a down payment and closing costs?
- Are you ready for the maintenance responsibilities of homeownership?
A general rule of thumb is that if you plan to remain in a home for several years, buying becomes more financially advantageous. However, if flexibility and mobility matter most, renting could be the smarter option.
Final Thoughts
There’s no one-size-fits-all answer to the rent vs. buy question. The right decision depends on your personal circumstances and goals. A trusted real estate agent, like myself, can help you analyze local market trends, assess your financial position, and guide you toward a choice that fits your lifestyle today and your aspirations for tomorrow. Contact me for a free, no-obligation consultation!
Looking to buy, sell, or invest in Grey Bruce, Ontario? 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
Market Updates •
29 October 2025
Bank of Canada Lowers Policy Rate to 2¼% | Oct 29, 2025
Oct 29, 2025: The Bank of Canada has just lowered its key interest rate to 2.25% today, aiming to support price stability and help the economy navigate challenging global trade conditions. This move may offer relief for borrowers and create new opportunities for home buyers.
Looking Ahead
The Bank of Canada’s next rate announcement is scheduled for Wednesday, December 10, 2025. The Bank’s next Monetary Policy Report (MPR) will be released on January 28, 2026.
Final Thoughts
For anyone considering a home purchase, refinancing, or business expansion, today’s rate cut could offer opportunities. However, as always, it’s important to get advice tailored to your financial situation before making big decisions.
Disclaimer: This blog is for informational purposes only and does not constitute financial or legal advice. Always consult with qualified professionals for guidance specific to your circumstances.
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
