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How to Make Your Home Look and Feel Luxurious—Without a Luxury Price Tag

Create elevated elegance that impresses in every room

Luxury isn’t just about square footage or designer names—it’s a feeling. It’s the sense of ease you experience when every detail has been thoughtfully designed, and the impression your home leaves on guests (or potential buyers) the moment they walk through the door. The good news? You don’t need to spend a fortune to achieve a high-end look.

Whether you’re decorating a new space or preparing your home for sale, here’s how to create a luxurious atmosphere that feels curated, timeless, and effortlessly elegant.

1. Start With a Clean, Cohesive Palette

Luxury homes often feature a well-edited colour scheme. Think neutral tones like soft greys, warm whites, taupe, and muted earth tones. These create a calming backdrop and allow statement pieces—like art or lighting—to shine. Don’t be afraid to layer in depth with textures: linen drapes, velvet pillows, or a wool rug can instantly elevate the room.

2. Focus on Lighting—It’s Everything

Nothing says luxury like great lighting. A statement chandelier, modern sconces, or layered lighting with dimmers can add instant elegance. Choose warm, ambient bulbs and mix lighting sources—overhead, task, and accent—to create a sophisticated glow in the evenings.

3. Invest in Statement Pieces

You don’t need to splurge on everything—just one or two quality focal points per room. A dramatic mirror in the hallway, a sculptural coffee table, or an oversized piece of artwork can add a designer touch. These draw the eye and give the space a polished, intentional look.

4. Declutter and Edit Like a Pro

Luxury interiors are never overcrowded. The goal is a clean, refined space that feels open and intentional. Use hidden storage, keep surfaces clear, and pare back decor. Less is more—especially when what’s left is beautiful and functional.

5. Use Symmetry to Your Advantage

Designers love symmetry because it naturally appeals to the eye. Create balance with matching nightstands and lamps, or style your living room with a pair of accent chairs flanking a fireplace. Symmetry adds structure and sophistication, instantly making a space feel more “designed.”

6. Incorporate Natural Materials

Wood, stone, linen, glass, and metal all contribute to a more upscale, timeless look. These materials wear beautifully over time and add richness to any room. Swap out dated finishes with matte black hardware, brushed gold, or polished nickel to freshen up kitchens and bathrooms.

7. Upgrade the Small Details

Luxury is often in the details. Consider changing out builder-grade light switches, outlet covers, or doorknobs. Upgrade your cabinet pulls or replace standard curtain rods with something more substantial. These small tweaks can make a big difference in how a home feels.

8. Bring in Fresh Greenery

Nothing breathes life into a room like fresh florals or lush greenery. A well-placed olive tree, orchid, or vase of white hydrangeas can soften a space and add a touch of everyday elegance.

9. Keep It Personal, Not Cluttered

Luxury spaces still feel like home—they reflect the people who live there. Choose a few meaningful pieces (like heirloom books or framed travel photos) and display them with care. Personal touches should feel curated, not cluttered.

10. Don’t Forget the Senses

Scent plays a powerful role in how we perceive a space. Use diffusers, candles, or linen sprays in subtle, clean fragrances like sandalwood, white tea, or fresh linen. Soft music and tactile textures—like a knit throw or plush rug—also contribute to a more luxurious experience.

Final Thoughts

Creating a luxury feel in your home isn’t about chasing trends or spending excessively. It’s about choosing intentional design elements, maintaining simplicity, and prioritizing quality over quantity. Whether you’re staying put or preparing to sell, these elevated touches can enhance your home’s appeal—and your enjoyment of it every day.

Thinking about a refresh or getting your home market-ready? We’d love to help guide you through the process. Reach out anytime for personalized recommendations.

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Canada’s Housing Market: June Sales Rise as Recovery Remains Cautious

Despite a slower-than-expected start to the year, the Canadian housing market is showing signs of gradual recovery. According to the latest figures from the Canadian Real Estate Association (CREA), national home sales rose 3.5% year-over-year in June, with a 2.8% increase from May on a seasonally adjusted basis. While the uptick in transactions is promising, CREA has revised its 2025 forecast, anticipating fewer total sales compared to 2024.

A Market in Recovery, Not Rebound

CREA now projects 469,503 residential properties to be sold in 2025—a 3% drop from last year. This marks the second downgrade of the year, reflecting ongoing market volatility driven in part by international economic pressures, including the Canada-U.S. trade tensions. Earlier forecasts had suggested a modest increase in activity, but buyers retreated amid uncertainty, especially in key provinces like British Columbia, Alberta, and Ontario.

June’s performance was largely fueled by the Greater Toronto Area, where pent-up demand is beginning to surface. While this is a strong signal of returning consumer confidence, real estate activity across Canada remains uneven, with some markets still feeling the effects of earlier disruptions.

Prices Hold Steady—For Now

The national average home price declined slightly in June, down 1.3% from a year earlier to $691,643. Looking ahead, CREA expects the average home price to fall 1.7% in 2025 to $677,368. However, the association projects a modest rebound in 2026, with prices forecast to rise 3% to $697,929. These trends suggest that while prices may soften in the short term, long-term market fundamentals are likely to support eventual price growth.

Inventory, Listings, and Market Dynamics

Inventory levels are slowly stabilizing. At the end of June, 206,435 properties were listed for sale nationwide—up 11.4% from June 2024 and just 1% below the long-term average. However, newly listed properties dipped 2.9% month-over-month, hinting at a cautious approach among sellers.

Many buyers who paused their searches earlier this year may return to the market in the coming months, encouraged by easing interest rates and more stable economic indicators. However, persistent global uncertainties—such as tariff threats—could continue to dampen consumer confidence and impact regional markets differently.

What This Means for Buyers and Sellers

For buyers, current market conditions may offer a window of opportunity. Prices have softened slightly, and with more inventory on the market, there’s potential for better selection and negotiation. For sellers, strategic pricing and proper preparation remain key, especially in markets where activity is still below historical norms.

The next few months will be crucial. If economic stability continues to improve, the Canadian real estate market could see a more robust recovery in the latter half of the year. As always, local market expertise will be essential to navigating this evolving landscape.

Looking to make a move in today’s market? Whether you're buying or selling, now is the time to plan ahead and work with a knowledgeable real estate team to make confident, informed decisions.

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What to Look for in a Real Estate Agent: A Guide for Buyers and Sellers

Whether you're buying your first home, upgrading to a larger property, or preparing to sell a place you’ve called home for years, one thing is certain: the right real estate agent makes all the difference. In today’s market—where strategy, timing, and local knowledge are more important than ever—having a skilled and trustworthy professional in your corner can determine the success of your transaction.

But what exactly should you be looking for in a real estate agent? The answer depends slightly on whether you’re buying or selling—but many core qualities overlap. Here’s what buyers and sellers should consider when choosing representation.

For Buyers: More Than Just Unlocking Doors

Buying a home is exciting, but it can also be overwhelming. A good buyer’s agent simplifies the process while protecting your best interests. Look for someone who offers:

1. Deep Local Expertise
You want an agent who knows the neighbourhoods—not just in terms of price points, but schools, parks, commuting routes, future development plans, and even where to get the best coffee. Hyper-local knowledge gives you an edge, especially in competitive markets like Burlington and surrounding areas.

2. Market Awareness and Strategy
An experienced buyer’s agent understands when to act fast, when to hold back, and how to navigate multiple offer situations without pushing you beyond your comfort zone. They should help you spot value—not just listings.

3. Strong Communication
You need someone who’s responsive, transparent, and available. Homebuying can move quickly; your agent shouldn’t be the one slowing things down.

4. A Network of Trusted Professionals
The best agents connect you with mortgage brokers, home inspectors, legal experts, and tradespeople they trust. These connections smooth out the process and reduce the stress of finding reliable help on your own.

For Sellers: Your Advocate and Strategist

When you’re selling your home, you want someone who will present it in the best possible light, reach the right audience, and negotiate effectively. Look for these key qualities:

1. Proven Marketing Strategy
From professional photography and staging to digital advertising and social media, your agent should have a comprehensive marketing plan tailored to your property—not a cookie-cutter approach. Ask to see examples of past listings and how they performed.

2. Pricing Expertise
Overpricing can lead to stagnation. Underpricing can leave money on the table. Your agent should know how to position your home based on market conditions, recent comparables, and current buyer behaviour.

3. Negotiation Skills
You need a strong negotiator—someone who advocates for your bottom line without letting a deal fall apart unnecessarily. This skill becomes especially important in slower markets or when unexpected issues arise during the transaction.

4. Personalized Service
Selling a home is emotional. A good listing agent is responsive, patient, and attentive, understanding that each client—and each property—requires a custom approach.

For Both Buyers and Sellers: Trust and Transparency Matter

No matter which side of the transaction you’re on, your relationship with your agent should be rooted in trust. You should never feel pressured, misled, or ignored. The right real estate agent listens first, advises second, and always puts your goals ahead of their own agenda.

At The Smallbone Team, we believe that every client—whether buying a starter condo or selling a luxury property—deserves exceptional service and expert guidance. Our approach is grounded in local knowledge, honest communication, and a commitment to delivering results.

Looking to buy or sell in Burlington or the surrounding area? Let’s talk. We’re here to help you make confident, informed decisions—every step of the way.

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The Best Seafood in Burlington: Where to Find the Freshest Catch

When it comes to great food, Burlington continues to make a name for itself—and seafood lovers are in luck. Whether you're craving buttery lobster tails, classic fish and chips, or a perfectly seared scallop, Burlington has no shortage of fresh, flavourful options. From lakefront views to upscale dining experiences and cozy local gems, here’s where to find the best seafood in Burlington.

1. Spencer’s at the Waterfront

📍1340 Lakeshore Rd
Set right on the edge of Lake Ontario, Spencer’s at the Waterfront combines a breathtaking view with a refined menu that highlights locally sourced seafood. Known for their pan-seared scallops, Atlantic salmon, and raw bar featuring fresh oysters, this is a go-to spot for date night or weekend brunch with a view. Reservations are recommended—especially in the summer months.

2. Jake’s Grill & Oyster House

📍950 Walker’s Line
A Burlington staple for over 30 years, Jake’s Grill & Oyster House is a must-visit for seafood lovers. Known for their East Coast oysters, crab cakes, and blackened mahi mahi, Jake’s is casual, consistent, and always fresh. The nautical-themed decor and relaxed vibe make it a favourite among both locals and out-of-town guests. Their rotating fresh sheet means there’s always something new to try, and their happy hour oyster deals are tough to beat.

3. The Port House Social Bar & Kitchen

📍2020 Lakeshore Rd
Located downtown just steps from Spencer Smith Park, The Port House delivers elevated casual dining with a seafood-forward menu. Try their ahi tuna tartare, crispy calamari, or the crowd-favourite surf & turf. With a trendy interior, live music on weekends, and a vibrant bar scene, it’s the perfect place to gather with friends for dinner and drinks after a day by the lake.

4. Rayhoon Persian Eatery

📍420 Pearl St
While not a traditional seafood restaurant, Rayhoon Persian Eatery offers a refreshing take on seafood with bold Middle Eastern flavours. The grilled white fish marinated in saffron and their signature shrimp kebabs offer a lighter, aromatic alternative to heavier seafood dishes. Located in the heart of Village Square, it’s a great choice when you're looking for something different without compromising on quality.

5. The Carriage House Restaurant

📍2101 Old Lakeshore Rd
A hidden gem tucked just off the downtown strip, The Carriage House is known for refined dining in a cozy, intimate setting. Their menu regularly features upscale seafood options like seared scallops, butter-poached lobster, and halibut with seasonal vegetables. The elegant service and classic ambiance make it ideal for special occasions or a quiet night out.

Why Great Seafood Matters When Choosing a Neighbourhood

Access to high-quality dining isn’t just a perk—it’s a lifestyle enhancer. Whether you’re a food enthusiast, love entertaining guests, or just enjoy great meals close to home, having Burlington’s best restaurants nearby adds real value to your everyday living. From the vibrant downtown scene to peaceful lakefront neighbourhoods like Shoreacres and Roseland, Burlington offers the perfect blend of community and culinary delight.

Thinking about buying or selling in Burlington? Let’s find you a home that fits your lifestyle—including the ability to walk to your favourite restaurant.

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Love to Golf? Here Are the Best Neighbourhoods to Call Home

For many homebuyers, proximity to top-tier golf courses isn’t just a perk—it’s a priority. Whether you're an avid player, a weekend warrior, or simply someone who enjoys the serenity and lifestyle that golf communities offer, living near a course can feel like you're permanently on vacation. Fortunately, in the Burlington, Oakville, and Hamilton areas, there’s no shortage of stunning neighbourhoods that offer both exceptional homes and easy access to elite greens.

Here’s a look at the best local communities where golfers can live their dream—both on and off the course.

1. Millcroft, Burlington

Millcroft is one of Burlington’s most desirable golf-friendly neighbourhoods—and for good reason. Anchored by the Millcroft Golf and Country Club, this upscale area was designed with golfers in mind. Many homes in the community back directly onto the course, offering beautiful views and a peaceful atmosphere.

Why Golfers Love It:

  • Walkable access to the course

  • Executive homes and quiet, tree-lined streets

  • Family-friendly with excellent schools and parks nearby

  • Minutes to shopping, restaurants, and highways

2. Glen Abbey, Oakville

Few communities are as synonymous with golf as Glen Abbey. Home to the iconic Glen Abbey Golf Club—a regular host of the Canadian Open—this Oakville neighbourhood offers prestige, history, and luxury living all in one.

Why Golfers Love It:

  • Championship course designed by Jack Nicklaus

  • Luxurious detached homes and townhomes

  • Close to top-rated schools and the Oakville Trafalgar Hospital

  • An easy commute to Toronto via the QEW or GO Train

3. Tyandaga, Burlington

Nestled against the escarpment, Tyandaga is a mature neighbourhood that offers charm, nature, and direct access to the Tyandaga Golf Course, a scenic municipal course surrounded by forested areas and rolling hills.

Why Golfers Love It:

  • Affordable luxury compared to newer builds

  • Generous lot sizes and quiet crescent streets

  • Close to hiking trails and conservation lands

  • A short drive to downtown Burlington

4. Waterdown North / Carlisle, Hamilton

For those craving more space and a country-club lifestyle, Carlisle and Waterdown North offer large estate-style properties near Flamborough Hills Golf Club and Coppetown Woods—two scenic and challenging courses in Hamilton’s countryside.

Why Golfers Love It:

  • Rural charm with modern amenities

  • Larger lots ideal for pools, gardens, and entertaining

  • A quieter pace without being too far from the city

  • Ideal for those looking to blend golf with luxury rural living

5. Bronte, Oakville

Not far from Bronte Creek Provincial Park, this area offers a relaxed lakeside feel with easy access to Deerfield Golf Club and Bronte Creek Golf Club—both offering excellent conditions and layouts that appeal to a wide range of players.

Why Golfers Love It:

  • Beautiful blend of nature, lake views, and suburban convenience

  • Upscale detached homes, custom builds, and new developments

  • Close to the lake, marinas, and Oakville’s vibrant Bronte Village

  • Great dining and shopping just minutes away

Live Where You Play

If golf is more than just a pastime for you, choosing the right neighbourhood can elevate your lifestyle. Whether you’re looking for a prestigious community beside a championship course or a quiet street near a charming municipal club, Burlington, Oakville, and Hamilton offer a wide range of homes that bring the game you love to your doorstep.

Looking to buy in one of these golf-friendly neighbourhoods—or sell your home in one? At The Smallbone Team, we understand the lifestyle you're after and can help you find the perfect fit.

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Staycation Ideas in Burlington & Halton: Discover Your Local Escape

Looking for a way to unwind without hopping on a plane? The Burlington and Halton area offers a variety of staycation experiences perfect for families, couples, and solo explorers alike. Whether you're into outdoor adventures, food tours, or luxury relaxation, there’s something local that feels like a true getaway.

1. Relax by the Water at Spencer Smith Park

Spencer Smith Park is a jewel along Burlington’s waterfront. Pack a picnic, rent a bike, or simply enjoy the views of Lake Ontario. During the summer, don’t miss the free festivals, splash pad, and nearby restaurants with patios overlooking the lake.

Pro tip: Book a night at The Pearle Hotel & Spa for a luxury stay right on the waterfront.

2. Explore Nature in the Escarpment

The Niagara Escarpment runs through Halton and offers stunning hiking trails, conservation areas, and scenic views. Try the Mount Nemo Conservation Area or Rattlesnake Point for beginner- to intermediate-level trails just a short drive from downtown Burlington.

Family friendly: Many trails are stroller-accessible and perfect for a day of outdoor fun.

3. Wine, Dine & Shop in Downtown Burlington

Spend a day strolling through Downtown Burlington and support local businesses. Explore charming boutiques, cafes, and top-rated restaurants. Try Paradiso, The Martini House, or Lettuce Love Café for something unique.

Add in a sunset walk along the pier to wrap up your perfect local day.

4. Discover Hidden Gems in Halton Hills

Drive a little further north to Halton Hills and explore Glen Williams – a picturesque hamlet filled with art galleries, antique shops, and cozy bistros. It’s a quiet escape with plenty of character.

Looking for something different? Check out local farms offering berry picking, markets, and weekend events.

5. Family Fun at Conservation Halton Parks

For families, Halton is packed with staycation options. Visit Crawford Lake to explore the reconstructed Iroquoian village, or head to Kelso Conservation Area for swimming, paddleboarding, and chairlift rides with sweeping views.

Make the Most of Your Staycation with Local Real Estate Insight

A staycation doesn’t just offer a break—it can also give you a fresh perspective on what makes Burlington and Halton such a special place to live. At The Smallbone Team, we’re passionate about helping families find not just a house, but a lifestyle they love.

Thinking of upgrading your home to better enjoy your surroundings? Or looking for an investment property in a thriving local area? Let’s talk.

Your Burlington/Halton Staycation Awaits

Whether you’re enjoying lakefront luxury, scenic hikes, or exploring new local eats, Burlington and Halton offer everything you need for a memorable staycation. No plane ticket required—just a little curiosity and a love for your own backyard.

📞 Contact The Smallbone Team today to learn more about real estate opportunities near your favorite staycation spots!

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Renovations to Avoid When Considering Resale Value

When it comes to preparing your home for sale, not all renovations add value—some can actually hurt it. At The Smallbone Team, we’ve guided countless clients through the selling process and have seen firsthand which upgrades pay off—and which ones fall flat with buyers.

If you're thinking about remodeling before listing your property, here are the top renovations to avoid if you want to maximize your resale value.

1. Overly Personalized Design Choices

While it’s tempting to make your home a reflection of your style, potential buyers may not share your taste. Bold wallpaper, themed rooms, or unusual color schemes can make it harder for buyers to envision themselves living there.

What to do instead:
Stick to neutral tones and timeless finishes. You want to appeal to the largest pool of buyers possible.

2. High-End Kitchen Overhauls

Yes, kitchens sell homes—but going overboard with ultra-luxury appliances, exotic countertops, or custom cabinetry can backfire. The more you spend, the less likely you are to recoup those costs—especially if you're priced higher than the local market supports.

What to do instead:
Opt for mid-range updates like new hardware, a fresh backsplash, or energy-efficient appliances. These changes offer great ROI without breaking the bank.

3. Wall-to-Wall Carpeting

While some homeowners love the softness and warmth of carpet, many buyers today prefer hardwood, laminate, or luxury vinyl flooring due to its durability and modern look.

What to do instead:
If you’re considering flooring updates, go for options that appeal to the majority of buyers in your area. Hardwood continues to be a top selling feature.

4. Home Office Conversions (in Smaller Homes)

Turning a bedroom into a home office might seem smart in today’s remote work climate—but in smaller homes, sacrificing a bedroom can hurt your home’s value.

What to do instead:
Use furniture and staging to suggest flexibility, but keep the room’s identity as a bedroom intact for listing purposes.

5. Swimming Pools

In certain high-end markets, a pool can be a selling point—but for many buyers, it’s seen as a liability. Pools come with maintenance costs, insurance concerns, and safety issues—especially for families with young children.

What to do instead:
If you're on the fence, skip the pool and focus on outdoor features with broader appeal like a patio, firepit, or landscaping.

6. DIY Work That Looks… DIY

Buyers can spot unprofessional work a mile away. Whether it’s uneven tile, makeshift plumbing, or poorly installed fixtures, amateur renovations can actually decrease your home's value.

What to do instead:
If you’re not 100% confident in your skills, hire a licensed contractor. It pays off in buyer trust—and in your final sale price.

7. Room Additions That Don’t Match the Market

Adding extra square footage might seem like a no-brainer, but not all additions add value. If the rest of the neighborhood has three-bed, two-bath homes, your five-bedroom layout may price you out of the market.

What to do instead:
Focus on improving the functionality of your existing space. Finishing a basement or updating a dated bathroom is often a better investment.

Final Thoughts: Think Like a Buyer

Before you renovate, ask yourself: Would this appeal to most buyers in my area? The key is to strike a balance between upgrades that improve your quality of life and those that actually increase your home’s value.

At The Smallbone Team, we help homeowners in Burlington and beyond make smart, market-driven renovation decisions that pay off at closing. Thinking about listing your home? Let’s talk about the improvements that make sense for your property—and your market.

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Common Real Estate Mishaps and How to Avoid Them

Buying or selling a home is one of the most exciting—and significant—transactions you'll ever make. At The Smallbone Team, we’ve seen firsthand how small mistakes can lead to costly delays, stress, or even lost deals. Whether you're a first-time homebuyer, a seasoned investor, or preparing to sell your family home, avoiding these common real estate mishaps can save you time, money, and unnecessary frustration.

1. Skipping Mortgage Pre-Approval

The Mistake:
Many buyers start browsing listings or booking showings without understanding their actual budget.

How to Avoid It:
Get pre-approved for a mortgage before beginning your home search. This strengthens your offer, ensures you're shopping within your means, and helps you act quickly in competitive markets like Burlington, Oakville, or Waterdown.

2. Pricing a Home Too High (or Too Low)

The Mistake:
Overpricing can leave your home sitting on the market, while underpricing might mean leaving money on the table.

How to Avoid It:
Work with a local real estate team that understands the market and provides a comparative market analysis (CMA). The Smallbone Team uses local data and proven pricing strategies to ensure your listing attracts serious buyers.

3. Neglecting Home Staging

The Mistake:
Many sellers underestimate how presentation can influence buyer perception and offer amounts.

How to Avoid It:
Invest in professional staging or consult your real estate agent for cost-effective improvements. From lighting to furniture placement, first impressions matter.

4. Skipping the Home Inspection

The Mistake:
Waiving an inspection may help win a bidding war, but it can hide serious (and costly) issues.

How to Avoid It:
Always prioritize a home inspection—even if you're considering an “as-is” property. It’s your best protection against future surprises.

5. Not Understanding the Closing Process

The Mistake:
Missing deadlines or paperwork errors can delay your closing or even void a deal.

How to Avoid It:
Partner with a team that keeps you informed every step of the way. The Smallbone Team coordinates with lenders, lawyers, and inspectors to ensure a smooth transaction from offer to closing.

6. Letting Emotions Drive the Deal

The Mistake:
Whether it’s falling in love with a home or over-negotiating on the sale, emotions can cloud your judgment.

How to Avoid It:
Lean on your realtor to provide objective advice and guide you through emotional moments. Our team acts as your voice of reason to help you make informed decisions.

Work with the Experts at The Smallbone Team

At sandysmallbone.com, we believe education and preparation are key to a successful real estate journey. Whether you're buying, selling, or investing in Burlington or surrounding areas, our experienced agents are here to guide you every step of the way—avoiding costly pitfalls before they happen.

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Why a Home Inspection Is Crucial in the Home Buying Process

Buying a home is one of the most significant investments most people will ever make. Amid the excitement of finding the perfect property, it’s easy to get swept up in the details — the hardwood floors, the renovated kitchen, the beautifully landscaped yard. But what you can’t see could end up costing you more than you think.

That’s why at The Smallbone Team, we always advise our buyers to include a professional home inspection as part of their purchase process. It’s not just a formality — it’s one of the smartest steps you can take to protect your future home and finances.

What Is a Home Inspection?

A home inspection is a comprehensive, visual evaluation of a property's condition, conducted by a certified home inspector. It usually occurs after your offer is accepted but before the deal is finalized. The inspector assesses the home's major systems and components, including:

  • Roof and attic

  • Plumbing and electrical systems

  • Foundation and structure

  • Heating and cooling systems (HVAC)

  • Windows and insulation

  • Basement or crawlspace

  • Exterior drainage and grading

You’ll receive a detailed inspection report highlighting any concerns, defects, or safety issues — all valuable insight before you finalize your purchase.

What Can a Home Inspection Uncover?

Even homes that appear to be in excellent condition can have hidden issues. A thorough inspection may reveal:

🏚 Structural Problems

Cracks in the foundation or signs of settlement could lead to major repair bills down the line.

🪟 Roof and Attic Issues

Leaks, missing shingles, or poor ventilation can cause long-term damage if not addressed early.

🚿 Plumbing Concerns

Leaks, old pipes, or inadequate water pressure could signal plumbing systems near the end of their lifespan.

⚡ Electrical Hazards

Outdated wiring, insufficient outlets, or overloaded circuits may be fire risks — especially in older homes.

🐜 Pest or Insect Damage

Termites or rodents often go unnoticed until an inspection uncovers the signs.

🌧 Moisture and Mold

Poor drainage or hidden leaks can lead to mold, rot, or indoor air quality issues.

How a Home Inspection Protects You

✅ Informed Decision-Making

A home inspection gives you the full picture so you can decide whether to move forward, renegotiate, or walk away.

✅ Negotiation Leverage

If the inspection uncovers significant problems, you may be able to negotiate a lower price, request repairs, or ask for credits before closing.

✅ Budget Planning

Some issues might not be deal-breakers but could become future expenses. An inspection helps you budget for upcoming repairs or maintenance.

✅ Peace of Mind

Buying a home is a big emotional and financial step. Knowing what you’re getting into removes a lot of the stress from the process.

Why We Recommend Home Inspections to All Our Buyers

At The Smallbone Team, our mission is to protect your best interests from start to finish. That includes ensuring you’re fully informed before committing to one of the biggest decisions of your life. A home inspection:

  • Safeguards your investment

  • Uncovers potential deal-breakers

  • Helps you avoid unexpected post-purchase costs

  • Provides the confidence to buy with peace of mind

Final Thoughts

While a home inspection might feel like an extra step, it’s one of the most important tools in the home buying process. Don’t skip it — use it to your advantage.

Ready to buy with confidence?
Let The Smallbone Team guide you through a smooth, informed home buying journey — from property tours to closing day and everything in between.

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How Interest Rates Work—and What They Mean for Homebuyers and Sellers

Whether you’re buying your first home or getting ready to list your property, one factor you simply can’t ignore is interest rates. These rates influence how much homebuyers can afford—and how sellers should price their properties.

In this blog post, we’ll break down what interest rates are, how they work, and why they matter to both homebuyers and home sellers in today’s real estate market.

What Are Interest Rates?

An interest rate is the cost of borrowing money. When you take out a mortgage, your lender charges you interest on the loan balance. The rate you receive depends on a few key factors:

  • The Bank of Canada’s benchmark interest rate

  • Your credit score

  • The loan term (e.g. 15-year vs. 30-year mortgage)

  • The type of mortgage (fixed vs. variable)

Even a small change in interest rates can significantly affect your monthly mortgage payments and how much home you can realistically afford.

How Do Interest Rates Affect Homebuyers?

For buyers, interest rates play a major role in your purchasing power. Here's how:

1. Higher Rates = Higher Monthly Payments

When rates rise, so do your monthly mortgage costs. For example, a 1% increase in interest on a $500,000 mortgage can add hundreds of dollars to your monthly payment.

2. Lower Rates = More Buying Power

When interest rates drop, buyers can often afford a more expensive home with the same monthly budget.

3. Qualifying for a Mortgage

Mortgage stress tests in Canada require buyers to qualify at a higher interest rate than their actual contract rate. So, rising rates can make it harder to qualify for a loan—even if your income hasn’t changed.

Tip: Get pre-approved early and lock in a rate with your lender. This protects you from potential hikes during your home search.

How Do Interest Rates Affect Home Sellers?

Sellers aren’t immune to interest rate changes. In fact, your timing and pricing strategy may hinge on where rates are heading.

1. Buyer Demand

As rates rise, fewer buyers may qualify for mortgages, and those who do may be shopping with tighter budgets. This could mean longer time on market or increased pressure to reduce your asking price.

2. Negotiation Leverage

In a low-rate environment, buyers are often more competitive, leading to faster sales and potentially multiple offers. High-rate environments tend to shift the market in favor of buyers.

3. Strategic Timing

If you're planning to sell, it's important to watch interest rate trends. Selling before a major rate hike could help you attract more qualified buyers and close at a higher price point.

What’s Happening with Interest Rates in 2025?

As of mid-2025, interest rates in Canada are still adjusting following several increases by the Bank of Canada to control inflation. While the market is stabilizing, experts expect moderate rate changes through the remainder of the year.

What does this mean for you?

  • Buyers: Lock in a rate soon if you’re thinking of purchasing this year.

  • Sellers: Be prepared for a slightly more cautious pool of buyers and consider working with an experienced agent to price your home effectively.

Final Thoughts

Interest rates are more than just numbers—they shape the entire real estate landscape. Whether you’re buying or selling, understanding how rates work can help you make smarter, more strategic decisions.

If you're navigating the market and want personalized guidance, I’m here to help.

👉 Let’s talk about your next move. Contact our team today.

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Ontario Real Estate Market Sees Decline: What Buyers and Sellers Need to Know in 2025

The Ontario real estate market is experiencing a shift not seen in decades—home prices are declining, and listings are sitting on the market much longer than before. As of mid-2025, the trend is clear: homes that were once listed at $1 million are now selling for closer to $800,000 to $900,000. What’s behind this change, and what does it mean for buyers and sellers?

Let’s break down the key factors driving the current real estate environment and how you can navigate it.

🏠 Home Prices Are Falling

The days of over-asking offers and bidding wars seem to be behind us—for now. While sellers traditionally hope to push the upper limits of their home’s value, today’s market is forcing a reality check. Overpricing a listing often results in price reductions later on, especially as inventory builds and demand slows.

Homes are staying on the market longer, and buyers are no longer swayed by listings that have been sitting for weeks or even months. Price adjustments are becoming a necessary strategy to attract serious interest.

📉 Supply is Up, Demand is Down

One of the core reasons for the current stagnation is a growing gap between the number of homes available and the number of active buyers. In regions like the Greater Toronto Area, there's now roughly five months’ worth of inventory—meaning if no new listings were added, it would still take about five months to sell all available properties.

This level of supply is uncommon in traditionally fast-moving markets and is contributing to downward pressure on prices.

🧾 Interest Rates and Affordability

Although the Bank of Canada recently held its key interest rate steady at 2.75%, uncertainty about future rate changes is keeping many would-be buyers on the sidelines. Meanwhile, affordability remains a top concern, especially for younger buyers and renters considering homeownership.

Interestingly, in some cases, it’s now cheaper to buy than rent—particularly for first-time buyers taking advantage of available tax credits, rebates, and savings programs.

👩‍👩‍👧‍👦 Multi-Generational Living on the Rise

As the cost of living continues to climb, a growing number of families are opting for multi-generational living arrangements. Homes with in-law suites or secondary units are in higher demand, offering more flexible living solutions that help spread the financial load across generations.

This shift also reflects broader lifestyle changes, with younger adults staying at home longer and retirees holding onto their homes instead of downsizing.

🏢 Condo Market Faces Challenges

While many cities invested in high-density condo developments to ease housing shortages, those units are struggling in today’s climate. Small-sized condos—often built for investors—are no longer attractive to families or long-term buyers. With higher interest rates, detached homes in more affordable regions outside of major urban centres are becoming a more viable alternative.

📊 First-Time Buyers Hold the Key

Despite the overall slowdown, first-time homebuyers are keeping parts of the market alive. Incentives such as the First Home Savings Account, tax rebates, and longer amortization periods are making homeownership more accessible. These buyers are crucial—they often kickstart the real estate chain by purchasing entry-level homes, enabling sellers to move up or downsize.

🔧 Economic Uncertainty and Local Industry Impact

In certain Ontario municipalities, especially those tied to manufacturing and auto industries, external economic pressures like U.S. tariffs are affecting consumer confidence. When job security is in question, many potential buyers prefer to wait, adding to the overall market hesitancy.

💡 What This Means for You

If you’re a seller:

  • Pricing your home correctly from the start is more important than ever.

  • Be prepared for longer days on market.

  • Consider the appeal of multi-generational living features or rental income potential.

If you’re a buyer:

  • This is your market—take your time, compare options, and negotiate.

  • Explore all available first-time buyer programs to maximize savings.

  • Look beyond the GTA for better affordability and more spacious homes.

Final Thoughts

The Ontario housing market in 2025 is a story of shifting dynamics. After years of rapid growth and rising prices, we’re entering a period of correction. Whether this is a temporary pause or the beginning of a new long-term trend remains to be seen. But one thing is clear: today’s market requires adaptability, informed decision-making, and a strong strategy—especially in uncertain times.

If you're considering buying or selling and need guidance through this evolving market, get in touch today. Let’s create a plan that works for your goals in today’s real estate climate.

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🍦 What Your Favourite Ice Cream Says About Your Real Estate Style

At Sandy Smallbone Real Estate, we know buying or selling a home is about more than bedrooms and bathrooms — it’s about personality and lifestyle. And what better way to reveal a little about yourself than through your go-to ice cream flavour?

This summer, as you’re strolling through Burlington’s waterfront or grabbing a cone after a day of house hunting, pay attention to your order — it might just say something about your real estate style.

We’ve scooped up a list of popular flavours, what they reveal about you as a home buyer or seller, and where you can grab them locally.

🍫 Chocolate — The Classic Sophisticate

Your Style:
You appreciate timeless charm and understated luxury. You gravitate toward established neighbourhoods like Roseland or Shoreacres, where tree-lined streets and character homes reign supreme.

Where to Get It in Burlington:
Kelly’s Bake Shoppe — while famous for cupcakes, their vegan chocolate soft-serve is a hidden gem.

🍓 Strawberry — The Warm Traditionalist

Your Style:
You value community, character, and a little nostalgia. You’re drawn to family-friendly areas like Tyandaga or The Orchard, where neighbours know your name and summer BBQs are a thing.

Where to Get It in Burlington:
La Crème de la Crème Creamery — their strawberry ice cream is made in-house and always fresh.

🍦 Vanilla — The Clean, Contemporary Minimalist

Your Style:
Sleek, bright, and move-in ready homes in modern communities like Alton Village or Millcroft are your vibe. You like simplicity, smart layouts, and new builds with little to fix.

Where to Get It in Burlington:
Easterbrook’s — this local staple serves up a classic vanilla cone that never goes out of style.

🍪 Cookies & Cream — The Trendsetter

Your Style:
You love a good mix — a century home with a modern addition, or a bungalow with a bold reno. You’re likely scouting spots in Aldershot or Downtown Burlington, where character meets cool.

Where to Get It in Burlington:
Lola Choco Bar and Sweet House — their cookies & cream milkshakes and desserts are decadent and Insta-worthy.

🍋 Lemon Sorbet — The Waterfront Dreamer

Your Style:
You’re all about lifestyle — waterfront condos, lake views, and homes near Spencer Smith Park or the Burlington Golf & Country Club. Clean, fresh, and always chic.

Where to Get It in Burlington:
Boon Burger Café — try their plant-based lemon sorbet for a zesty, light option after a day by the lake.

🍯 Salted Caramel — The Modern Luxe Lover

Your Style:
High-end finishes, chef’s kitchens, and spa bathrooms are non-negotiable. You’re drawn to executive homes in Millcroft or Dynes, or a new-build with all the upgrades.

Where to Get It in Burlington:
Centro Garden Market — not just for plants; their seasonal salted caramel gelato is small-batch perfection.

🍨 What’s Your Flavour?

No matter your taste — in ice cream or real estate — Burlington has something for everyone. If you’re thinking about making a move this summer (or just want to chat about the best local ice cream spots), reach out to The Smallbone Team.

Your perfect scoop and your perfect home are waiting.

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