How to Get Pre-Approved for a Mortgage (and Why It Matters)

Buying a home is one of the most exciting — and biggest — financial steps you’ll ever take. Whether you're a first-time buyer or upgrading to your dream home, one of the smartest things you can do before starting your search is to get pre-approved for a mortgage.

But what does mortgage pre-approval really mean, and why is it so important? Let’s break it down.

What Is Mortgage Pre-Approval?

A mortgage pre-approval is a written statement from a lender that shows how much money they’re willing to lend you to buy a home. It’s based on your financial situation — including income, credit score, debt, and employment history.

Think of it as your financial “green light” that tells sellers you’re a serious buyer who can back up an offer with real numbers.

Why Getting Pre-Approved Matters

1. Know What You Can Afford

Pre-approval gives you a clear budget range so you can focus on homes within your financial comfort zone. No more falling in love with a property that’s out of reach.

2. Strengthen Your Offer

In a competitive market, sellers want serious buyers. Having a pre-approval letter attached to your offer shows you’ve done your homework — and that your financing is solid.

3. Speed Up the Closing Process

Since your lender already has much of your financial information, the final mortgage approval process tends to move faster once you’ve found the right home.

4. Spot Potential Credit Issues Early

If your credit score or debt-to-income ratio needs improvement, your lender can help you address these issues before you start making offers.

The Mortgage Pre-Approval Process (Step-by-Step)

Step 1: Gather Your Documents

Lenders typically need:

• Proof of income (recent pay stubs, tax returns, W-2s)

• Proof of assets (bank statements, investments)

• Employment verification

• Identification

• Details of current debts or loans

Step 2: Choose a Lender

You can get pre-approved through banks, credit unions, or mortgage brokers. Compare interest rates and terms to find the best fit for your needs.

Step 3: Submit Your Application

Your lender will review your financial information, run a credit check, and determine your loan amount and estimated interest rate.

Step 4: Receive Your Pre-Approval Letter

If approved, you’ll receive a letter outlining the amount you’re qualified to borrow. Most pre-approvals are valid for 60 to 90 days, giving you time to find the right home.

Tips to Improve Your Chances of Getting Pre-Approved

• Check your credit score before applying and correct any errors.

• Pay down existing debts to improve your debt-to-income ratio.

• Avoid major purchases or new credit lines before or during the process.

• Save for a down payment and closing costs — lenders like to see strong savings habits.

Final Thoughts

Getting pre-approved for a mortgage isn’t just another step in the homebuying process — it’s a strategic advantage. It helps you shop smarter, move faster, and negotiate with confidence.

Not Getting Pre-Approved Before House Hunting

The Mistake:
Falling in love with a home before knowing what you can afford.

The Fix:
Get pre-approved for a mortgage before you even browse listings. It strengthens your offer and gives you a clear price range.

Underestimating Additional Costs

The Mistake:
Budgeting only for the down payment and mortgage

The Fix:
Factor in property taxes, home insurance, closing costs, maintenance, and potential repairs. A smart rule of thumb is to budget an extra 1–3% of the home’s price annually for upkeep.

Skipping the Home Inspection

The Mistake:
Waiving the inspection to speed up the deal or compete in a hot market.

The Fix:
Never skip a professional inspection. It can uncover hidden issues that might cost you thousands later.

Not Understanding Your Mortgage Options

The Mistake:
Choosing the first lender or loan type you come across.

The Fix:
Compare rates and terms from multiple lenders. Look into fixed vs. variable rates and consider first-time buyer programs you may qualify for.

Overextending Your Budget

The Mistake:
Buying at the top of your pre-approved amount.

The Fix:
Leave room in your budget for emergencies, life changes, or unexpected expenses. Just because you can afford it doesn’t mean you should.

Focusing Only on the House, Not the Location

The Mistake:
Buying a great home in the wrong area.

The Fix:
Consider commute times, school districts, local amenities, and neighborhood vibes. You can change the house—but not the location.

Making Emotional Decisions

The Mistake:
Letting your heart rule your head.

The Fix:
Stay objective. Create a list of must-haves vs. nice-to-haves and stick to it. The Smallbone Team can help keep you grounded.

Forgetting to Consider Resale Value

The Mistake:
Buying a property with unique features that could be hard to sell later.

The Fix:
Even if it’s your “forever home,” consider how desirable it will be to future buyers.

Not Working with a Real Estate Agent

The Mistake:
Trying to do it alone to “save money.”

The Fix:
A buyer's agent (like someone from The Smallbone Team) typically costs you nothing—the seller pays the commission. We protect your interests, negotiate on your behalf, and streamline the entire process.

Waiting for the “Perfect” Time

The Mistake:
Trying to time the market perfectly.

The Fix:
There’s never a “perfect” time—only the right time for you. If you’re financially and emotionally ready, don’t let market conditions delay your dreams.

Top 10 Home Buying Tips for 2025

Buying a home is one of the most exciting — and important — decisions you'll ever make. Whether you're a first-time buyer or returning to the market, it’s easy to feel overwhelmed by the process. That’s why The Smallbone Team is here to guide you with 10 essential home buying tips to help you make a smart, informed decision in today’s real estate market.

Get Pre-Approved Before You Start Looking

Before touring homes, talk to a lender and get pre-approved for a mortgage. This not only helps you understand your budget but also shows sellers you're serious.

Know Your Budget — and Stick to It

Factor in more than just the purchase price — property taxes, maintenance, utilities, and insurance all add up. Knowing what you can really afford helps avoid future stress.

Work With a Local Realtor You Trust

The market is constantly shifting, and having an experienced local agent makes all the difference. Our team brings decades of insight into local neighborhoods, pricing trends, and negotiating strategies.

Think Long-Term

Will this home meet your needs in 3–5 years? Think about your future lifestyle, career, family plans, or resale value before making a decision.

Don’t Skip the Home Inspection

Even if a home looks perfect, a professional inspection can uncover hidden issues. It's better to know now than deal with surprise repairs later.

Consider the Neighbourhood, Not Just the House

Look into the area's safety, schools, amenities, commute times, and future development plans. A great home in a poor location can become a costly mistake.

Avoid Big Financial Changes Before Closing

Hold off on large purchases, opening new credit cards, or switching jobs until after closing. Lenders will re-check your finances, and any changes can affect your loan approval.

Know What You Can Compromise On

No home is perfect. Decide what’s non-negotiable (e.g., location, number of bedrooms) versus what’s nice to have (like granite countertops or a pool).

Be Ready to Act Fast

In competitive markets, desirable homes go quickly. If you've done your homework, you'll feel more confident making a timely offer when the right one comes along.

Lean on The Smallbone Team

Navigating the home buying journey can feel complex — but you don’t have to do it alone. From first tour to final closing, our team will advocate for you every step of the way.

Ready to Find Your Dream Home?

At The Smallbone Team, we combine deep local knowledge with personalized service to help buyers make confident, informed choices.

Home Maintenance Checklist for Every Season

Owning a home is one of life’s biggest investments — and like any investment, it requires ongoing care. Staying on top of seasonal home maintenance not only protects your property but also boosts its long-term value.

At The Smallbone Team, we’ve created a comprehensive home maintenance checklist for every season to help you keep your home in top condition all year long.

Spring Home Maintenance Checklist

• Inspect roof and shingles for winter wear

• Clean gutters and downspouts

• Service your HVAC system before summer

• Power wash windows, siding, and decks

• Check for pests and seal any exterior cracks

• Fertilize the lawn and plant garden beds.

Tip from The Smallbone Team: This is a great time to schedule larger exterior projects — painting, landscaping, or even deck repairs.

Summer Home Maintenance Checklist

• Clean ceiling fans and reverse blade direction

• Inspect windows and doors for leaks or drafts

• Service sprinkler systems

• Check and clean dryer vents

• Touch up exterior paint and trim

• Clean garage and storage spaces

Tip from The Smallbone Team: Summer is a great time to check for insulation issues and improve energy efficiency before fall.

Fall Home Maintenance Checklist

• Clean and inspect the chimney

• Check the furnace and replace filters

• Drain outdoor faucets and shut off water lines

• Rake leaves and aerate the lawn

• Inspect weather stripping and door seals

• Test smoke and carbon monoxide detectors

Tip from The Smallbone Team: Early fall is a great time to schedule a roof inspection — especially if you’re thinking of selling soon.

Winter Home Maintenance Checklist

• Monitor for ice dams and clear snow from gutters

• Check pipes for freezing risks and insulate if needed

• Keep walkways and driveways clear of ice

• Test your sump pump in case of winter thaws

• Inspect attic for proper insulation

• Stock up on emergency supplies and check smoke alarms

Tip from The Smallbone Team: A well-maintained home is easier to sell — even in the winter season.

Why Seasonal Maintenance Matters

Sticking to a seasonal home maintenance schedule prevents small issues from becoming expensive repairs. Whether you're planning to sell soon or stay long-term, your property’s value depends on how well it’s cared for.

Final Thoughts

Your home works hard for you all year — return the favour with regular maintenance. Use this seasonal home maintenance checklist to stay organized and ahead of problems.

Thinking of Selling? Let The Smallbone Team Help

A well-maintained home is more attractive to buyers and typically sells faster. If you're preparing your home for sale in Burlington, The Smallbone Team is here to help you every step of the way — from pre-listing advice to final closing.

Home Renovations That Increase Property Value in 2025: The Best Upgrades to Consider

When it comes to increasing the value of your property, home renovations are one of the most effective strategies. Whether you're preparing to sell or just want to enhance the livability of your space, knowing which renovations provide the best return on investment (ROI) is crucial. As we step into 2025, the real estate market is evolving, and certain renovations are proving to offer greater value than others. At The Smallbone Team, we’ve compiled a list of the most cost-effective and impactful renovations to boost your home’s value.

1. Kitchen Renovations: A Modernized Heart of the Home

The kitchen is often considered the heart of a home, and for good reason—it’s where family meals are prepared, and gatherings take place. In 2025, upgrading your kitchen continues to be one of the most profitable renovations. A modern, functional kitchen with updated appliances, sleek countertops, and ample storage space is a huge draw for potential buyers.

2. Bathroom Remodel: Small Investment, Big Return

Bathrooms may be smaller spaces, but they pack a big punch when it comes to return on investment. In fact, bathroom renovations have long been known to provide some of the highest ROI in real estate. Modernizing a bathroom with sleek fixtures, new lighting, and water-saving technologies can make a significant difference in both comfort and home value.

3. Curb Appeal Enhancements: First Impressions Matter

While it may not be a major "renovation," improving your home’s curb appeal is one of the most cost-effective ways to increase its market value. First impressions matter, and a well-maintained exterior with thoughtful landscaping can significantly impact your home’s appeal to prospective buyers.

4. Basement or Attic Conversion: Maximize Your Space

In today’s market, more homebuyers are looking for additional usable space. If you have an underutilized basement or attic, converting it into a living area can dramatically increase your property’s value. Whether you turn the space into an extra bedroom, home office, or entertainment room, this type of renovation offers impressive ROI, especially in areas where square footage is at a premium.

5. Smart Home Technology: Future-Proof Your Property

As technology continues to evolve, so does the appeal of smart home features. Homes equipped with smart thermostats, lighting, security systems, and even voice-activated assistants are in high demand. Smart home technology not only makes living more convenient but also boosts your home’s value by positioning it as modern and energy-efficient.

6. Energy-Efficient Upgrades: Save Money and the Environment

As energy efficiency becomes a growing concern for homeowners, investing in energy-efficient renovations can enhance both your property’s value and its appeal to eco-conscious buyers. Green upgrades, such as new windows, insulation, and solar panels, can lower utility costs and contribute to a home’s long-term sustainability.

7. Open Floor Plans: Spacious and Connected Living Areas

Open floor plans have become a hallmark of modern home design, providing a sense of space and connectivity throughout the home. By removing walls between the kitchen, dining, and living areas, you can create a bright and airy environment that appeals to a wide range of buyers.

Conclusion: Renovate Smart, Not Hard

While there are countless ways to renovate your home, it’s essential to focus on upgrades that will yield the highest return on investment. By carefully selecting your projects—whether it’s a kitchen remodel, bathroom upgrade, or smart home integration—you can significantly increase your property value and attract more potential buyers.

If you’re considering renovations in 2025, The Smallbone Team is here to guide you. Our team of real estate experts can help you identify which improvements will offer the best ROI for your home, ensuring your investment pays off in the long run. Whether you're selling or simply want to enjoy a more updated home, we’ve got you covered.

The real estate market is in the midst of significant changes. With interest rates on the decline and a shift toward more affordable housing, many prospective buyers and investors are wondering: What’s next for the Canadian real estate market?

At The Smallbone Team, we’re committed to helping you stay informed about the latest market trends. In this blog post, we’ll explore the impact of recent interest rate cuts, the potential for more affordable housing, and what these developments mean for you as a buyer or seller.

Interest Rate Cuts: A Game-Changer for Home Buyers

In recent weeks, interest rate cuts have become a hot topic in the real estate world. The Bank of Canada’s decision to lower interest rates is a significant shift after several years of hikes aimed at controlling inflation. While the cut is relatively modest, it has a powerful effect on mortgage rates, making homeownership more accessible for many Canadians.

How Interest Rate Cuts Benefit Home Buyers

Lower interest rates mean lower monthly mortgage payments, which can help ease the financial burden for home buyers. For those looking to purchase a home, this is a golden opportunity to secure a mortgage with more favorable terms, ultimately reducing the overall cost of homeownership.

For first-time home buyers, this could be the perfect time to take the leap into the housing market. If you’ve been sitting on the sidelines due to high borrowing costs, now may be your chance to act before interest rates rise again.

Will Interest Rates Continue to Fall?

While the recent interest rate cuts provide relief, there’s still uncertainty about how long this trend will continue. Economists suggest that the Bank of Canada may implement further rate cuts in the coming months, depending on the state of the economy. However, even with modest cuts, it’s expected that mortgage rates will remain more affordable for buyers compared to the peaks we saw just a year ago.

The Push for More Affordable Housing

Alongside the interest rate cuts, there’s a growing focus on affordable housing in Canada. Rising housing prices have made it difficult for many Canadians to enter the market, especially in major cities like Toronto, Vancouver, and Montreal. However, there’s a renewed effort to make homeownership more accessible to a wider range of buyers.

Government Initiatives and Policies

The Canadian government is increasingly focused on creating more affordable housing options, whether through new developments, incentives for first-time buyers, or subsidies for low-income households. This shift is expected to create more opportunities for home buyers who may have previously felt priced out of the market.

Additionally, zoning reforms in several cities are opening up more land for development, which could help address the housing supply shortage that has plagued many regions. With more housing being built and a focus on affordability, homebuyers may find it easier to find a property within their budget.

The Role of Developers and Builders

The private sector also has a crucial role to play in addressing the affordable housing crisis. Many developers are now focusing on projects that prioritize affordability, creating more homes for middle-income buyers and renters. These initiatives are a positive sign for the future of the housing market, as they indicate that both public and private sectors are working together to make housing more accessible to Canadians.

What This Means for Buyers and Sellers

As interest rates fall and the push for affordable housing intensifies, there are several key takeaways for both buyers and sellers in the real estate market.

For Buyers:

• Opportunity to Lock in Lower Rates: If you’ve been waiting for interest rates to drop, now may be the ideal time to secure a mortgage with better terms. Even small reductions in rates can make a significant difference in your monthly payments and overall affordability.

• More Affordable Options on the Horizon: With the government and developers prioritizing affordable housing, buyers may soon find more options at reasonable prices, especially in areas where inventory has been limited.

• Long-Term Investment Potential: Buying a home now, especially with the possibility of further interest rate cuts, could be a smart long-term investment as home prices stabilize and affordability improves.

For Sellers:

• Attractive Market Conditions: With interest rates lower, more buyers are likely to enter the market, which can increase demand for your property. Sellers may benefit from increased competition among buyers, potentially leading to higher sale prices.

• More Affordable New Homes: If you’re looking to move into a new property, keep an eye on upcoming affordable housing developments. You may be able to sell your current home and upgrade to something more suitable without the financial strain that high-interest rates or expensive housing prices would cause.

The Bottom Line: What’s Next for the Real Estate Market?

The Canadian real estate market is undergoing a period of change, with interest rate cuts and more affordable housing taking center stage. For buyers, this could be the ideal time to get into the market, especially with the promise of lower borrowing costs and a wider range of affordable homes.

For The Smallbone Team, our goal is to help you make the most of these market conditions. Whether you’re a first-time buyer looking for a great deal or a seasoned investor seeking new opportunities, we’re here to guide you every step of the way. Our in-depth knowledge of the local market and commitment to your success make us the perfect partner for your real estate journey.

Ready to explore the market? Contact The Smallbone Team today to get started!

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.

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.

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.

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.

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

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.