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.
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
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
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:
519.377.5154
susan.moffat@c21.ca
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
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

























