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.
Interior Paint Finishes 101
Choosing the right interior paint finish can transform your home, enhance durability, light reflection, and overall appeal for everyday living or staging to sell. Different sheens suit various rooms and lifestyles, balancing aesthetics with practicality. This guide breaks down options to help homeowners make informed choices.
Common Paint Finishes
Interior paint finishes range from flat to high-gloss, each defined by sheen level and light reflection. Flat and matte offer no shine, hiding imperfections on walls in low-traffic areas like adult bedrooms. Eggshell provides subtle luster, making it forgiving for DIY projects and popular for living rooms due to easy application and soft glow. Satin delivers pearl-like durability for high-traffic spots, while semi-gloss and gloss excel on trim, doors, and moisture-prone surfaces for their washability.
Room-by-Room Recommendations
Match finishes to room function for best results in your home. Use eggshell or satin in living rooms and bedrooms for elegance and easy cleaning without glare. Kitchens and bathrooms benefit from satin or semi-gloss to resist moisture and stains. Opt for flat on ceilings to minimize imperfections, and semi-gloss on trim for crisp contrast.
Staging Tips for Sellers
Neutral tones in eggshell or satin finishes appeal broadly to buyers, photographing well and boosting perceived value. Higher sheens like gloss highlight trim but amplify wall flaws, so prep surfaces carefully. Fresh paint signals maintenance, helping Grey Bruce properties sell faster.
Final Thoughts
Ready to refresh your home? Contact me for Grey Bruce market insights or painter referrals to elevate your 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:
Susan Moffat, REALTOR®
519.377.5154
susan.moffat@c21.ca
Spring Melt Survival Guide: How to Protect Your Basement from Flooding
As winter’s snow and ice begin to melt, many homeowners face a familiar challenge: keeping the basement dry. In areas like Grey County and beyond, spring rain combined with thawing snow can put your home’s foundation to the test. Whether you’re preparing your property for sale or simply protecting your investment, preventing basement moisture is key to maintaining your home’s value.
Inspect and Clean Your Gutters
Clogged gutters are one of the most common causes of basement leaks. When water can’t flow freely through downspouts, it often collects around your foundation. Take an afternoon to clean out any debris, ensure your downspouts extend at least six feet away from the house, and check for sagging or separations that could cause overflow.
Grade the Ground Away from Your Home
Over time, soil around your foundation can settle, creating slopes that direct water toward the house. Adding a bit of topsoil or gravel to create a gentle slope away from your foundation helps redirect rainwater and snowmelt — a simple fix that can prevent major issues down the line.
Seal Foundation Cracks Early
Even small cracks can allow moisture to seep inside. Inspect your basement walls and floors carefully, and seal any visible cracks using a waterproof epoxy or sealant. If you notice larger issues or recurring dampness, consider consulting a foundation specialist before spring runoff begins in full.
Check for Proper Sump Pump Operation
A sump pump is your basement’s first line of defence during heavy rain. Test it by pouring a bucket of water into the sump pit and confirming the float switch triggers the pump to activate. If your sump pump hasn’t been maintained recently or runs frequently, you might also consider adding a battery backup system for peace of mind during power outages.
Improve Indoor Air Circulation
Even with good water management, spring humidity can lead to a musty basement. Use a dehumidifier to maintain ideal humidity levels (around 40–50%) and keep stored items off the floor on shelving or pallets to avoid moisture damage.
A Dry Basement = A Stronger Home Value
Water damage, even in small amounts, can quickly reduce property value and raise red flags for buyers. By taking preventive steps each spring, you’ll not only protect your investment but also maintain your home’s comfort and integrity for years to come.
If you’re considering selling this year and want advice on how small maintenance tasks — like waterproofing — can increase buyer confidence and value, I’d be happy to chat. A dry basement doesn’t just keep your home healthy; it also helps ensure a smooth inspection and a stronger sale.
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
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 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 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
Grey County Housing Market Update | February 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 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:
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







