Market Updates 18 March 2026

Bank of Canada Maintains Policy Rate at 2¼% | March 18, 2026

Today, the Bank of Canada held its overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. Inflation has eased to 1.8% in February. Higher global energy prices and ongoing geopolitical tensions are adding new uncertainty to the outlook.

 

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 April 29, 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!

susanmoffat.ca

519.377.5154
susan.moffat@c21.ca

 

Homeownership 11 March 2026

Everyday Habits That Make a Home Feel More Put-Together

A home that feels “put-together” isn’t about perfection — it’s about creating small, everyday habits that support how you actually live. These habits don’t need to take much time, but they can completely change how your home feels, functions, and welcomes you in.

 

Reset Your Rooms Daily

One of the most effective ways to keep your home feeling fresh is to reset your main living areas each day. Spending just five or ten minutes picking up items, straightening pillows, and clearing surfaces can make a noticeable difference. This short routine prevents clutter from building up and helps your spaces feel calm and lived-in rather than chaotic.

 

Give Everything a Place

Clutter often appears when items don’t have a home of their own. By giving everyday essentials — like keys, bags, or mail — a dedicated landing spot, your home will naturally feel more organized. This small system also saves time when you’re heading out the door or tidying up for the evening.

 

Be Thoughtful About What Comes In

A well-balanced home has room to breathe. That’s why it helps to be intentional about what you bring into your space. Whether it’s décor, clothing, or kitchen gadgets, taking a moment to decide what truly adds value can prevent your home from feeling crowded. Occasionally editing what you already have keeps everything in harmony.

 

Small Habits, Big Impact

Over time, these simple habits create a ripple effect. You’ll find that your home is easier to maintain, feels more intentional, and reflects your sense of comfort and care. Whether you’re staying put or preparing to sell, a home that feels put-together always leaves a lasting impression.

 


 

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 6 March 2026

Bruce County Housing Market Update | February 2026

The Bruce County housing market continues to show its own unique trends as we move through 2026. 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 February 2026 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 February 2026

 

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:

susanmoffat.ca

519.377.5154

susan.moffat@c21.ca

 

Market Updates 6 March 2026

Grey County Housing Market Update | February 2026

The Grey County real estate market continues to reflect dynamic shifts as we move through 2026. 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 February 2026 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 February 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:

susanmoffat.ca

519.377.5154

susan.moffat@c21.ca

Homeownership 25 February 2026

Decorating Mistakes That Can Cheapen Your Home’s Look (and How to Fix Them)

When selling a home, or even just refreshing your space, décor choices play a big role in how inviting and refined your interiors feel. Small missteps can make even the nicest property seem less polished or thoughtfully designed. Here are some common decorating mistakes to watch for and how to correct them.

 

Faux Greenery or Artificial Houseplants

While greenery can bring energy and freshness to a room, fake plants have the opposite effect. They collect dust and lack the vibrancy of real foliage. Opt for low-maintenance real plants instead, like snake plants or pothos, to achieve that natural, lived-in feel.

 

Improperly Sized or Low-Quality Rugs

A rug should ground your furniture, not float in the middle of the room or hide under the couch legs unevenly. Too small or flimsy rugs break up the space visually and diminish quality. Choose a size large enough to connect all major furniture pieces, and opt for good materials like wool or jute.

 

Matching Furniture Sets

Buying a full matching set may seem convenient, but it often results in a flat, uninspired space. Real design interest comes from mixing styles, textures, and eras. Collect your pieces gradually — a blend of old and new adds depth and personality.

 

Oversized Furniture

A massive sectional might sound cozy, but if it swallows the room, it disrupts flow and harmony. Prioritize balance and scale — leave negative space for the eye to rest. In smaller areas, choose streamlined sofas and accent chairs instead.

 

Insufficient or Harsh Lighting

Lighting can make or break a room’s mood. Relying only on overhead fixtures casts unflattering shadows and makes spaces feel cold. Create layers with floor lamps, sconces, and table lamps to bring warmth and dimension to your interiors.

 

Too Much Clutter

An abundance of throw pillows, trinkets, or wall art can feel chaotic and cheapen a room’s impression. Instead, showcase fewer but higher-quality accents and maintain a sense of breathing room. When selling, less truly is more.

 

Curtains That Don’t Reach the Floor

Short or low-hung curtains instantly make a room look smaller and unfinished. Always mount curtain rods close to the ceiling and choose panels that just kiss the floor for a tailored, professionally styled look.

 

Generic, Mass-Produced Art

Art tells a story — but if it’s the same print everyone else has, your home risks feeling impersonal. Invest in original artwork, photography, or limited editions that reflect your tastes and tie in with your space’s colour palette. Here in Grey Bruce, we’re lucky to have many wonderful antique stores and local artists, offering one-of-a-kind pieces that bring character and a sense of place to your home. 

 

Builder-Grade Finishes

Builder basics like laminate counters or hollow doors tend to lack personality and visual richness. Upgrading strategic elements — like cabinet hardware, faucets, or light fixtures — can dramatically elevate your home’s look without a full renovation.

 

Plastic Picture Frames

Your photos and artwork deserve better than plastic frames. Wood, metal, or glass frames enhance the piece and complement your room’s aesthetic. It’s a small upgrade that makes a surprising difference.

 

Visible Cords

Loose cords distract the eye and make spaces feel messy. Use cord covers, clips, or simply reposition furniture to hide them for a clean, polished appearance.

 

Final Thoughts on Decor Mistakes

Thoughtful design doesn’t require a major budget — just attention to proportion, detail, and quality. By avoiding these common décor mistakes, you’ll create a more cohesive, inviting, and high-value look that appeals to both you and potential buyers.

 


 

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

BlogHomeownership 18 February 2026

Essential Mould Prevention Tips for Homeowners

Preventing mould in your home starts with one key principle: control moisture wherever it appears. A dry, well-ventilated house is far less likely to develop the hidden mould issues that can trigger allergies, worsen asthma, and turn into costly repairs over time.

Why Mould Matters

Mould thrives in damp, poorly ventilated areas and can start growing within 24–48 hours on wet surfaces. Beyond being unsightly, it can aggravate respiratory issues, especially for people with allergies or asthma. Keeping mould at bay also helps protect your home’s structure and supports a healthier, more market-ready property when it is time to sell.

Everyday Moisture Control Habits

Simple daily routines make a big difference in preventing mould.

  • Pat dry damp bathroom surfaces, like tiles and shower walls, after bathing or showering so moisture does not sit long enough for spores to grow.
  • Wash or replace shower curtains regularly, as they are prime spots for mould in a humid bathroom.
  • Run the bathroom exhaust fan during and after showers, and use the kitchen fan when cooking to vent steam and moisture outside.
  • Cover pots when boiling or simmering to reduce excess humidity in the kitchen.
  • Set a reminder when doing laundry so wet clothes are not left sitting in the washer or dryer, where mould and odour can develop quickly.

 

Managing Humidity and Ventilation

Keeping indoor humidity in a healthy range is one of the most effective ways to prevent mould.

  • Aim to maintain indoor humidity between 30% and 50%, as higher levels create ideal conditions for mould growth.
  • Use a dehumidifier—ideally one that turns on automatically when humidity rises above about 60 percent—to keep basements and other damp areas in check.
  • Heat your home adequately in winter to reduce condensation on cold surfaces like windows and exterior walls.
  • If you see condensation on windows, wipe it dry promptly and consider reducing or stopping the use of humidifiers.
  • On mild days when the furnace or AC is off, open windows to circulate fresh air and help dry out indoor spaces.

Fixing Problem Spots Quickly

Addressing small issues early helps you avoid larger mould problems later.

  • Seal gaps around windows, doors, and electrical outlets where drafts and moisture can get in, and check regularly for signs of water intrusion.
  • Fix any leaky pipes, faucets, or roof leaks as soon as they are noticed, since even slow drips can lead to mould in walls, cabinets, or ceilings.
  • Pay attention to areas prone to dampness—basements, bathrooms, laundry rooms, and window sills—and dry any wet surfaces as soon as you spot them.

Smart Choices When Building or Renovating

Thoughtful building choices can make your home more mould-resistant over the long term.

  • When updating bathrooms, kitchens, or laundry areas, choose mould-resistant products such as moisture-resistant drywall, insulation, and specialized paints for high-humidity spaces.
  • ​Ensure proper ventilation is part of any renovation plan, including vented bathroom fans, range hoods that exhaust outside, and, where needed, improved attic or basement ventilation.

Final Thoughts on Mould Prevention

When it comes to mould, prevention is far easier—and more affordable—than remediation. With a few consistent habits and smart upgrades, you can keep your home drier, healthier, and more appealing to future buyers. If you are thinking about selling or want advice on which improvements will best protect your home’s value in our Grey Bruce market, reach out any time for guidance tailored to your property.

 


 

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

Homeownership 11 February 2026

How to Prevent Damage Caused by Snow

Winter in Grey Bruce and across Ontario brings not only beautiful snowy landscapes but also challenges for homeowners. Heavy snow, ice buildup, and fluctuating temperatures can take a toll on a property if not properly managed. Here are some essential tips to help prevent winter damage and keep your home in great shape through the snowy season.

 

Protect Your Roof and Gutters

Your roof takes the brunt of winter weather. Snow accumulation can lead to ice dams, leaks, and even structural strain.

  • Clear roof snow regularly. Use a roof rake to remove excess buildup after major storms.
  • Keep gutters and downspouts clean. Clogged gutters cause ice dams that force melting snow under shingles.
  • Inspect your roof early. Check for missing shingles and damaged flashing before snow sets in.

 

Prevent Ice Dams Around the Eaves

Ice dams form when heat escapes through the roof, melting snow that refreezes along the edges. This leads to water seepage inside walls or ceilings.

  • Improve attic insulation. Proper insulation keeps warm air out of the attic and prevents uneven roof melting.
  • Ensure adequate ventilation. Vents should allow cold air to circulate and maintain a consistent temperature.
  • Use roof heating cables. These can help control ice buildup in problem areas.

 

Safeguard Windows and Doors

Cold air and moisture can creep in through small gaps.

  • Seal with weatherstripping and caulking. Check around window and door frames for any cracks or drafts.
  • Install storm windows or film. These add insulation and reduce condensation.
  • Clean and dry window wells. Remove snow buildup to prevent leaks into the basement.

 

Watch for Foundation and Siding Issues

Melting snow near the foundation can lead to water damage or freezing pressure.

  • Shovel snow away from exterior walls. Keep at least one metre of clearance.
  • Check grading and drainage. Make sure melting snow flows away from the house, not toward it.
  • Inspect siding and trim. Seal any cracks where moisture could enter and freeze.

 

Maintain Walkways and Driveways

Snow and ice can deteriorate asphalt and concrete while posing slipping hazards.

  • Use sand or pet-safe ice melt. Avoid salt products that harm vegetation or damage surfaces.
  • Repair small cracks in fall. Prevent water from freezing and expanding in them.
  • Clear snow promptly. Reduces compaction and prevents ice layers from forming.

 

Protect Outdoor Structures

Decks, porches, and sheds need winter attention, too.

  • Sweep snow off decks and steps. Prevents rot and water infiltration.
  • Cover outdoor furniture. Use waterproof covers or store items inside.
  • Check fences and posts. Freezing ground can shift supports if not properly anchored.

 

Final Thoughts on Preventing Damage to Your Home

Taking a proactive approach to winter maintenance can save you costly repairs later and protect your home’s value—a wise move whether you’re planning to stay long-term or preparing to list in the spring. A little prevention goes a long way toward ensuring your property weathers Ontario’s snowy season safely.

 


 

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

Market Updates 5 February 2026

Bruce County Housing Market Update | January 2026

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 January 2026

 

Bruce 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 or buyer consultation!

 

For more information, contact:

susanmoffat.ca

519.377.5154

susan.moffat@c21.ca

 

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:

susanmoffat.ca

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

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.

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!

susanmoffat.ca

519.377.5154
susan.moffat@c21.ca