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The next scheduled date for announcing the overnight rate target is March 18, 2026. The Bank’s next MPR will be released on April 29, 2026.
Market Updates •
5 February 2026
Grey County Housing Market Update | January 2026
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 December 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 January 2025
Grey County Housing Market Update | December 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:
519.377.5154
susan.moffat@c21.ca
Market Updates •
28 January 2026
Bank of Canada Maintains Policy Rate at 2¼% | Jan 28, 2026
The Bank of Canada has announced it is holding its key overnight policy rate at 2.25% as of January 28, 2026, with inflation expected to stay close to the 2% target over the next couple of years. Global growth is projected to remain modest around 3%, and here at home the Bank sees Canadian growth of about 1.1% in 2026 and 1.5% in 2027 as we continue to adjust to US tariffs and a changing trade landscape.
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
Buying •
21 January 2026
Are You Waiting for the Spring Market?
If you’ve been telling yourself you’ll start your home search in the spring, you’re not alone — it’s a common plan. After all, spring has long been known as the “busy season” in real estate. But here’s the catch: busy also means competitive.
When spring rolls around, there are more buyers chasing the same listings. That often leads to multiple offers, bidding wars, and higher prices — especially in sought-after areas like Grey Bruce. If your goal is to find the right home at the right price, waiting until spring might actually make things harder, not easier.
Why Buying in Fall or Winter Can Work to Your Advantage
Right now, as we close out the year, buyers have a quiet advantage. Here’s why:
- Motivated sellers and builders. Many sellers want to complete their sale before year-end and may be more flexible with price or terms. Builders are also motivated to meet annual goals, which can mean special incentives and promotions.
- Less competition. With fewer buyers in the market, you’re less likely to find yourself in a bidding war. That gives you more negotiating power and peace of mind during the process.
- Quicker timelines. Lenders, inspectors, and movers often have lighter schedules in the winter, so transactions can move faster and more smoothly.
- A realistic home view. Touring homes in colder months lets you see how properties hold up to winter conditions — a great time to assess heating efficiency, insulation, and maintenance needs.
Get Ahead of the Spring Rush
By the time the spring buyers start browsing, you could already be unpacking boxes and settling into your new home. The Grey Bruce market still offers great opportunities for those ready to act now — before the next wave of competition begins.
Final Thoughts
If you’re ready to explore local listings or want to understand your buying power this season, let’s connect. Whether you’re a first-time homebuyer or looking for your next move, I can help you find a great deal and get ahead of the spring rush.
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!
susanmoffat.ca
519.377.5154
susan.moffat@c21.ca
Farming Topics • Selling •
14 January 2026
Tips for Selling a Farm in Winter
Selling your Grey Bruce farm in winter may seem challenging, but with the right preparation and strategy, you can attract serious buyers and stand out in the off-season market. Many prospective buyers looking for agricultural or country properties use the winter months to plan their spring purchases — making this an ideal time to list your farm. Here’s how to make your farm appealing no matter how chilly it gets outside.
Keep Access Clear and Safe
First impressions matter, especially when the driveway is covered in snow.
- Make sure all laneways, barn entrances, and walking paths are safely plowed and salted.
- If you have a long rural driveway, consider widening cleared areas to ensure trucks or equipment can turn around easily.
- Keep gates operational and signage visible so visitors can access the property without trouble.
Highlight Winter Functionality
Show how your farm performs in the off-season.
- Point out heated workshops, well-maintained driveways, insulated barns, and efficient water systems.
- Buyers often see winter as a test of a property’s resilience — so demonstrate how your farm runs smoothly even in cold weather.
- If livestock are on-site, emphasize facilities that protect and support animals through the winter.
Showcase the Land with Great Photos
Snow-covered landscapes can look beautiful but also hide features.
- Use clear, high-resolution photos that show both the property’s winter charm and, if possible, summer visuals from warmer months.
- If you’re planning ahead, consider capturing professional summer photos before listing.
- Consider aerial drone shots to display field layout, fencing, and accessibility year-round.
Emphasize Energy Efficiency
Heating costs can be a concern for rural buyers.
- Highlight upgrades such as new windows, modern insulation, or energy-efficient heating systems.
- Provide recent utility information or maintenance records to help buyers see the value in your property’s efficiency.
Make Indoor Spaces Warm and Inviting
Whether you’re showing a farmhouse or agricultural buildings, warmth goes a long way.
- Maintain a comfortable indoor temperature for showings.
- Add welcoming touches like soft lighting, rugs, or a cozy fire if you have one.
- A little warmth and comfort can make visitors envision themselves settling in — even on a snowy day.
Work with a Local Real Estate Agent
Selling a farm is different from selling a residential home. You need someone (like myself!) who understands land value, crop potential, zoning, and rural buyer expectations.
- Working with a local real estate professional familiar with Grey and Bruce counties ensures your listing reaches the right audience — and that your farm’s full value is represented, no matter the season.
Ready to Sell Your Farm This Winter?
Selling a farm in winter comes with its own set of challenges, but with the right preparation, strategic marketing, and strong local guidance, it can be an excellent time to reach serious, motivated buyers. From showcasing your land in its best light to highlighting year-round functionality, a thoughtful approach will help your property stand out.
If you’re thinking about selling your farm in Grey or Bruce County, I’d be happy to walk you through my full-service listing approach and how it’s designed to get rural properties sold in the winter months. Contact me today to learn more and to schedule your free, no-obligation property valuation.
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:
519.377.5154
susan.moffat@c21.ca
Market Updates •
5 January 2026
Bruce County Housing Market Update | December 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 December 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 December 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 •
5 January 2026
Grey County Housing Market Update | December 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 December 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 December 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 •
24 December 2025
How to Maintain the Tools That Keep Your Home Sparkling
When it comes to cleaning, most of us head straight for the usual suspects—the bathroom, kitchen, and floors. But what about the very tools we use to get those spaces spotless? Sponges, mops, and vacuums work hard behind the scenes, yet if they’re not cleaned regularly, they can actually spread more dirt and bacteria than they remove. Here’s a quick guide to keeping your home and your cleaning tools in top shape.
Sponges
Sponges can be breeding grounds for bacteria if left damp or dirty. Rinse them thoroughly after each use and wring out excess water. Once or twice a week, disinfect them by soaking in hot, soapy water or microwaving a damp sponge for one minute. Replace sponges every few weeks for best results.
Mops
Whether you use a traditional mop or a microfibre model, proper care is essential. After mopping, rinse the head thoroughly in clean water and let it air dry completely before storing. Machine-wash removable mop heads and avoid storing mops upright in buckets where moisture can collect.
Vacuum Cleaners
Vacuum cleaners can lose efficiency when bags, canisters, or filters get clogged. Empty the canister or replace the bag after each use, and check filters regularly. Wipe the brush rollers clean and cut away wrapped hair or fibres. A clean vacuum works better and lasts longer.
Washing Machines
It may sound funny, but your washing machine needs cleaning too. Run an empty hot water cycle with a cup of white vinegar once a month to dissolve residue and remove musty odours. Wipe the drum, gasket, and detergent tray afterward to keep everything fresh.
Brooms and Brushes
Shake out or rinse broom bristles after sweeping to remove dust and hair. Occasionally wash them with soapy water and allow them to dry fully before putting them away. The same goes for handheld cleaning brushes—clean bristles mean cleaner surfaces.
Final Thoughts
Taking time to maintain your cleaning tools doesn’t just extend their lifespan—it also ensures you’re actually cleaning your home instead of spreading germs around. It’s one of those small household habits that makes a big difference in maintaining a fresh, healthy living space.
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:
519.377.5154
susan.moffat@c21.ca
How to Find a Good Home Inspector
A home inspection is a detailed evaluation of a property’s physical condition and safety conducted by a licensed or certified professional. This process typically takes place during the conditional period of a real estate transaction, allowing potential buyers (and sometimes sellers) to understand the true state of the house, identify any issues that may need repair, and make informed decisions. To find a good home inspector for your next real estate purchase, start by focusing on credentials, experience, and reputation. Make sure your chosen inspector is well-trained, communicative, and able to provide a comprehensive evaluation tailored to Ontario standards.
Why Home Inspections Matter
An expert inspector looks for issues in roofing, foundation, plumbing, electrical systems, insulation, and much more, helping buyers make informed decisions.
Home inspections help buyers avoid unpleasant surprises after purchase, offer leverage for negotiations, increase transparency, and reduce risk. Sellers may also order pre-listing inspections to know about property issues ahead of negotiations. The goal is not to “pass or fail” a home, but to objectively detail its condition for more confident decision-making.
How to Find a Qualified Inspector
- Ask for recommendations from your real estate agent, friends, or online communities with local experience.
- Review directories such as Yelp for trusted inspectors nearby.
- Seek out professionals with several years of hands-on experience and knowledge of local building types.
- Look for inspectors who have completed construction, engineering, or architectural technology programs, as well as those with previous trades experience (e.g., plumbing, carpentry, electrical).
- Check for membership in professional organizations, such as the Ontario Association of Home Inspectors (OAHI) or the Canadian Association of Home and Property Inspectors (CAHPI)—these groups require ongoing education and a code of ethics.
Essential Interview Questions
Before hiring, speak directly with prospective inspectors and ask:
- How many inspections have you completed?
- What certifications do you hold?
- Can you provide a sample report?
- Are you available post-inspection to discuss findings?
- What is your process if a defect is found after closing?
- Do you use new technologies, like drones or infrared cameras, in your inspections?
Compare reports for detail and clarity—short, vague reports may indicate a lack of thoroughness.
What a Good Inspector Checks
A thorough home inspection covers:
- Roof (including drainage and shingles)
- Foundation and structural systems
- Attics and insulation
- Doors, windows, and security features
- Plumbing, HVAC, electrical systems
- Signs of water damage and pests
Final Thoughts
- Read online reviews, and ask for references.
- Confirm that the inspector welcomes questions, both before and after the inspection.
- Consider attending the inspection or at least the final walk-through for clarity on findings.
Choosing the right inspector will help protect your real estate investment and provide unbiased information before you buy. Prioritize expertise, independence, and communication to ensure your next home purchase in Ontario is a confident one.
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®
519.377.5154
susan.moffat@c21.ca
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
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.
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
