The Bank of Canada has kept its policy rate unchanged at 2.25% in its June 10 announcement, signaling a cautious approach as the economy continues to face weak growth, elevated uncertainty, and inflation pressures tied to energy prices. The Bank noted that inflation is expected to stay near 3% in the near term before gradually easing toward its 2% target.
If you are a homeowner, buyer, or seller, this is a good time to revisit your plans:
If you are thinking about buying, this is a good time to get clear on your numbers before you start shopping. A mortgage pre-approval can help you understand your price range and avoid surprises once you find the right property.
Sellers should remember that rate announcements influence buyer psychology as much as they affect borrowing costs. A stable rate can support confidence, but buyers are still selective, especially in a market where affordability is stretched.
That means presentation, pricing, and marketing need to be strong from day one. A well-prepared listing with professional photos, thoughtful staging, and a realistic price can make a meaningful difference.
For homeowners, the best next step is to look at your mortgage renewal date, payment schedule, and overall debt load. If your mortgage is coming up for renewal soon, now is the time to speak with your lender or broker so you understand your options.
In markets like Grey County and surrounding communities, rate decisions can influence buyer activity, but local supply, property condition, and lifestyle demand still matter just as much. Rural and small-town buyers often move with different priorities than urban buyers, especially when they are balancing commuting, space, and affordability.
The next scheduled date for announcing the overnight rate target is July 15, 2026. The Bank’s next MPR will be released at the same time.
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
The May 2026 housing market update provides a fresh look at real estate activity across Bruce County, including Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula.
April is typically when momentum begins to build. New listings start to appear more frequently, giving Buyers more options and a better sense of what’s available across different price points and property types. At the same time, Sellers benefit from increased traffic and renewed interest, especially as the weather improves and properties begin to show at their best. This seasonal transition can create a more balanced environment, but conditions can vary widely depending on the community.
Each of these communities offers something distinct. From the waterfront lifestyle in Kincardine and Saugeen Shores to the rural landscapes of South Bruce and Arran-Elderslie, and the year-round appeal of Northern Bruce Peninsula, Buyer interest is often driven by lifestyle as much as location. Many are still seeking properties that offer space, flexibility, and access to outdoor recreation—features that continue to make Bruce County an attractive place to call home.
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:
519.377.5154
susan.moffat@c21.ca
As we move through Spring, the May 2026 housing market update offers a timely look at how real estate is performing across Grey County, including The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey.
Each municipality brings its own unique dynamic. From the lifestyle-driven appeal of The Blue Mountains to the rural charm of West Grey and Southgate, and the growing communities of Hanover and Owen Sound, there is no one-size-fits-all narrative. Buyer preferences continue to evolve, with many still prioritizing space, flexibility, and access to outdoor amenities—factors that Grey County consistently delivers on.
Another key theme emerging this spring is the importance of preparation. Sellers who are considering listing in the coming months are starting to take steps now to position their properties effectively, whether that means making small updates, enhancing curb appeal, or working with a real estate professional to develop a pricing strategy. On the other side, Buyers are becoming more strategic as well, keeping a close eye on new listings and being ready to act when the right opportunity arises.
Whether you’re planning a move this year or simply keeping an eye on the market, staying informed is one of the best ways to navigate real estate with confidence. The May 2026 update offers insight into where things stand today—and where they may be headed as we continue into the busy spring season.
Buying a home is one of the most exciting milestones in life — but let’s be honest, it can also feel overwhelming at times. Between finding the right property, handling paperwork, and managing finances, it’s easy to feel anxious during the process. The good news? With the right preparation and support, you can take much of the stress out of your home search and even enjoy the journey.
Getting your finances in order before you start house hunting gives you a huge head start. Make sure you’ve saved enough for your down payment and closing costs, and organize all the documents you’ll need for your mortgage application (such as income verification and bank statements). This helps your financing go more smoothly and allows you to act quickly when you find “the one.”
Before you start touring homes, take time to make a clear list of your needs, wants, and deal breakers. Consider things like location, size, yard space, and layout — what’s essential versus nice-to-have. Having these conversations early and openly with your real estate agent helps everyone stay aligned and saves you time and frustration down the road.
You don’t have to do everything on your own — in fact, you shouldn’t. Rely on your team of professionals, including your mortgage broker, home inspector, and of course, your real estate agent. Each plays a critical role in protecting your interests and easing the workload. My goal is always to guide clients through each step, keeping the process as clear and stress-free as possible.
There may be moments when the process feels bumpy — a delayed offer response or a surprise inspection finding can be stressful. When that happens, try to focus on the end goal: your new home and the next exciting chapter that comes with it. Keeping perspective helps you stay positive and keeps small setbacks from overshadowing the bigger dream.
Buying a home should be a rewarding experience — not a stressful one. With a bit of preparation, open communication, and a supportive team behind you, you can move through the process feeling confident and in control.
If you’re thinking about buying in Grey Bruce, I’d love to help make your homebuying journey as smooth and enjoyable as possible.
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
Pollinator gardens are more than just beautiful, they support local ecosystems, boost biodiversity, and can even enhance your property’s curb appeal. Whether you’re preparing your home for sale or simply want to make your outdoor space more inviting, creating a pollinator-friendly garden is a smart and rewarding investment.
Pollinators like bees, butterflies, hummingbirds, and other beneficial insects play a crucial role in plant reproduction. In Ontario, many native pollinator populations are declining due to habitat loss and pesticide use.
By adding a pollinator garden to your yard, you help:
Pollinators thrive in sunny, sheltered environments. Most flowering plants that attract bees and butterflies need at least 6 hours of sunlight per day.
When selecting a spot:
Native plants are the best choice for pollinator gardens in Grey County and across Ontario because they are adapted to the local climate and soil conditions.
Popular native options include:
Aim for a mix of plants that bloom from early spring through late fall to provide a continuous food source.
Pesticides and herbicides can harm or kill pollinators, even when used in small amounts. A pollinator garden should be a safe haven.
Instead:
This approach not only protects pollinators but also reduces maintenance over time.
Beyond flowers, you can make your garden even more inviting with a few easy additions:
These small touches can significantly increase pollinator activity in your yard.
One of the biggest advantages of a pollinator garden is that it doesn’t require constant upkeep. Native plants are hardy and typically need less watering and care once established.
To keep your garden thriving:
Today’s homebuyers are increasingly interested in eco-friendly features and outdoor living spaces. A thoughtfully designed pollinator garden can set your property apart, offering both visual charm and environmental value.
Whether you’re planning to sell or simply want to enjoy your yard more, this is a project that delivers long-term benefits with relatively low effort.
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
There’s nothing quite like stepping into the backyard of your new home and realizing—it’s all yours. Whether you’ve bought a home with a sprawling lawn or a cozy outdoor space, knowing how to care for and make the most of your backyard can add major enjoyment (and value!) to your property. Here are some smart, simple tips to help new homeowners create a beautiful, functional outdoor retreat.
Before diving into projects, take stock of what you have. Rake old leaves, remove fallen branches, and clear out flower beds. This fresh start helps you see the full potential of your space and ensures healthier grass and plants heading into the new season.
Healthy gardens start with healthy soil. Test your soil’s pH level at a local garden centre or hardware store. From there, you’ll know what kind of fertilizer or compost your lawn and plants need to thrive—especially in Ontario’s variable climate.
Native species are well-suited to our local weather and require less maintenance. Consider low-maintenance options like coneflowers, black-eyed Susans, or cedars for a touch of year-round greenery. They’re beautiful, pollinator-friendly, and can stand up to our chilly winters.
Even in friendly neighbourhoods, a little privacy goes a long way. Think about natural screens such as hedges, ornamental grasses, or trellises with climbing vines. These not only define your space but also add texture and greenery.
Divide your backyard into purposeful “zones”: a dining area for summer dinners, a lounging corner for morning coffee, or a small firepit spot for cool evenings. Outdoor rugs, potted plants, and lighting can help create that inviting, stay-a-while feeling.
Regular mowing, edging, and watering make a huge difference in curb appeal. Invest in quality lawn tools or consider hiring a local service for an occasional tune-up. Stick to a watering schedule to avoid over- or under-watering your grass.
Instead of tackling everything at once, plan your backyard improvements over time. A patio this summer, garden beds next year, maybe a shed or pergola later on. Spacing out projects lets you budget smartly and refine your design as you live in the space.
Your backyard is an extension of your home—a private retreat, a spot for entertaining, and a place to make lasting memories. With a little care and planning, it can grow into one of your favourite parts of your new home.
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
As we head into spring, the April 2026 housing market update provides a fresh look at real estate activity across Bruce County, including Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. This time of year often marks a noticeable shift in the market, with both Buyers and Sellers re-engaging after the slower winter season.
April is typically when momentum begins to build. New listings start to appear more frequently, giving Buyers more options and a better sense of what’s available across different price points and property types. At the same time, Sellers benefit from increased traffic and renewed interest, especially as the weather improves and properties begin to show at their best. This seasonal transition can create a more balanced environment, but conditions can vary widely depending on the community.
Each of these communities offers something distinct. From the waterfront lifestyle in Kincardine and Saugeen Shores to the rural landscapes of South Bruce and Arran-Elderslie, and the year-round appeal of Northern Bruce Peninsula, Buyer interest is often driven by lifestyle as much as location. Many are still seeking properties that offer space, flexibility, and access to outdoor recreation—features that continue to make Bruce County an attractive place to call home.
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:
519.377.5154
susan.moffat@c21.ca
As we move into the heart of spring, the April 2026 housing market update offers a timely look at how real estate is performing across Grey County, including The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey. This time of year often signals a shift in momentum, and early indicators suggest that the market is beginning to wake up after the quieter winter months.
Each municipality brings its own unique dynamic. From the lifestyle-driven appeal of The Blue Mountains to the rural charm of West Grey and Southgate, and the growing communities of Hanover and Owen Sound, there is no one-size-fits-all narrative. Buyer preferences continue to evolve, with many still prioritizing space, flexibility, and access to outdoor amenities—factors that Grey County consistently delivers on.
Another key theme emerging this spring is the importance of preparation. Sellers who are considering listing in the coming months are starting to take steps now to position their properties effectively, whether that means making small updates, enhancing curb appeal, or working with a real estate professional to develop a pricing strategy. On the other side, Buyers are becoming more strategic as well, keeping a close eye on new listings and being ready to act when the right opportunity arises.
Whether you’re planning a move this year or simply keeping an eye on the market, staying informed is one of the best ways to navigate real estate with confidence. The April 2026 update offers insight into where things stand today—and where they may be headed as we continue into the busy spring season.
April 29, 2026: The Bank of Canada has maintained its policy rate at 2.25% in today’s announcement. A steady decision, but inflation and global uncertainty continue to shape the road ahead.
If you are a homeowner, buyer, or seller, this is a good time to revisit your plans:
The next scheduled date for announcing the overnight rate target is June 10, 2026. The Bank’s next MPR will be released on July 15, 2026.
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
When it’s time to list your home, the agent you choose matters a lot. Don’t just hire any REALTOR®; hire the right one. The truth is, the right agent can make a dramatic difference in how quickly your home sells, how much you get for it, and how stress-free the experience feels.
Before signing that listing agreement, here are four game-changing questions to ask your REALTOR® — and why their answers matter.
A strong marketing plan goes far beyond just putting your home on MLS®. Ask how your REALTOR® plans to showcase your property — not just list it.
Here’s what to listen for: professional photography, video tours, social media promotion, digital advertising, and email outreach to qualified buyers. The best agents know how to combine traditional exposure with modern digital strategies to give your home maximum visibility online and in the local market.
Pricing your home correctly from the start is critical. Ask your REALTOR® to walk you through their pricing strategy and the data behind it. They should be referencing:
The right REALTOR® will balance data with on-the-ground experience to find a price that attracts buyers and protects your equity.
Local knowledge is power. A REALTOR® who regularly works in your neighbourhood will understand its unique selling points: the amenities, buyer demographics, and even seasonal timing for listings. This insight helps position your home effectively and answers buyer questions confidently.
Neighbourhood experience can also mean your REALTOR® has a strong local network of buyers, agents, and service providers, which can speed up your sale and smooth out the process.
Communication can make or break your selling experience. Ask how your REALTOR® keeps clients informed — whether through weekly updates, quick check-ins, or detailed progress reports.
Knowing when and how you’ll be updated sets clear expectations and ensures there are no surprises. The right agent will tailor their communication style to yours and make sure you always know what’s happening behind the scenes.
Choosing the right REALTOR® isn’t just about finding someone to list your home — it’s about finding a trusted partner who understands your goals, communicates clearly, and knows how to position your property for success.
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
Susan Moffat, REALTOR®
Century 21 Millennium Inc., Brokerage
Awards & Recognition
• Grand Centurion Producer (2025)
• Four -Time Double Centurion Producer
• Centurion Producer
• Centurion Honour Society
• Top Individual Agent – Company Wide
📞 519-377-5154
✉️ susan.moffat@century21.ca
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