With much of Ontario waking up to a fresh blanket of snow, many residents will be reaching for their shovels to clear sidewalks and driveways. But if you’re renting your home, you might be wondering: Is snow removal your responsibility or your landlord’s?

The $500 Question: Who Has to Shovel?

Failing to clear snow outside your home can result in fines, but responsibility for snow removal depends on the lease agreement and Ontario’s Residential Tenancies Act (RTA). According to Section 20(1) of the RTA, landlords must maintain rental properties in a good state of repair and comply with safety and maintenance standards. This has been interpreted by courts to include snow removal for common areas.

What If Your Lease Says You’re Responsible?

Some lease agreements state that snow removal is the tenant’s responsibility. However, unless the snow-covered areas are exclusively used by the tenant, such clauses are generally unenforceable. If a landlord wants to transfer responsibility for clearing exterior common areas to a tenant, it must be done through a separate contract, much like hiring a third party for maintenance.

This was highlighted in the 2009 Ontario court case Montgomery v. Van. A tenant sued after slipping near her basement apartment. While her lease required her to clear her walkway, the court ruled that snow removal responsibility must be assigned through a separate agreement, with clear terms such as removal timelines, equipment provisions, and potential rent reductions for the added labour.

Snow Removal Rules in Toronto

In Toronto, residents must clear snow within 12 hours after a snowfall ends if accumulation is less than 2 cm. If the accumulation exceeds 2 cm, the city’s snow removal services will handle clearing major roads and sidewalks, but property owners are still responsible for ensuring their own walkways and driveways are safe and accessible. Failing to do so could result in a fine of $500, plus a $115 surcharge, for a total of $615.

Bottom Line

If you’re a tenant, check your lease agreement—but also remember that unless you’ve signed a separate contract agreeing to handle snow removal for common areas, it’s likely your landlord’s responsibility. If you’re a landlord, ensure compliance with local snow removal bylaws to avoid fines and potential legal issues.

Stay safe, and happy shovelling!

Millennials have emerged as the most influential group of home buyers in Canada, significantly impacting the housing market. Representing the largest share of buyers, 56% of homebuyers aged 25 to 34 and 30% of those aged 35 to 44 are actively purchasing homes, according to the Canadian Mortgage and Housing Corporation. With many millennials now reaching key life milestones—forming partnerships, starting families, and seeking long-term investments—their preferences are shaping the future of real estate.

Lower Down Payments Make Homeownership More Accessible

Recent federal policy changes have made higher-value homes more attainable for millennials and Gen Z. As of December 2024, the insured mortgage price cap has increased from $1 million to $1.5 million, allowing more buyers to qualify for mortgage insurance on high-value properties. This shift has significantly lowered down payment requirements, making it easier for first-time homebuyers to enter the market.

For example, under previous rules, a $1.4 million home required a 20% down payment of $280,000. With the new policy, buyers now only need to put down $115,000—a $165,000 reduction in upfront costs. This change enables more millennials to purchase homes without waiting years to save for a traditional 20% down payment.

How Much Should You Save for a Down Payment?

Using data from the Canadian Real Estate Association’s 2024 average home prices, Zoocasa analyzed how much buyers need to save for a down payment across Canada. In high-cost areas like Fraser Valley, where the average home price is $1,039,351, the new minimum down payment is $78,935—giving buyers an additional $128,935 in purchasing power. In Greater Vancouver, the minimum down payment has dropped to $104,195, a reduction of $154,195 from previous requirements.

In Toronto, where the average home price is $1,118,137, the new minimum down payment is $86,814—significantly lower than the previous 20% requirement of $223,627. This shift allows buyers to enter the market sooner without accumulating a massive upfront savings amount.

Millennials’ Attitude Toward Debt and Real Estate

Unlike previous generations, millennials are more comfortable carrying mortgage debt. Many entered the workforce during or after the 2008 financial crisis, faced high student loan burdens, and adapted to managing significant debt loads. With the new mortgage rules lowering down payment requirements, many millennials are stretching their budgets to afford homes in competitive markets.

According to Statistics Canada, in 2019, the median mortgage debt for millennials was $218,000—over 2.5 times their after-tax income of $83,200. In contrast, young boomers carried a median mortgage of $67,800, roughly equal to their after-tax income. Despite taking on more debt, millennials recognize homeownership as a pathway to long-term financial stability.

Homeownership as a Wealth-Building Strategy

Owning a home remains one of the most effective ways to build wealth. Canadian millennial homeowners aged 30 to 34 had a median wealth of $261,900 in 2019—far surpassing the $18,400 median wealth of non-homeowners. This suggests that those who can afford to buy real estate are more likely to do so, even if it means carrying larger mortgages.

Despite rising home prices, millennials' incomes reflect their ability to buy homes. In 2024, a CMHC report found that homebuyers aged 25 to 34 had an average household income of $105,000, while 50% of homebuyers aged 35 to 44 earned $105,000 or more. Additionally, some millennials benefit from intergenerational wealth transfers, with many boomers expected to leave an average inheritance of $940,000.

More Space Matters: Millennials Prefer Detached Homes

Millennials are prioritizing space and are willing to pay for it. According to the Ontario Real Estate Association’s Buyer and Seller Report, most millennial and first-time buyers in Ontario prefer detached and semi-detached homes over condos. This indicates that they view homeownership as a long-term investment rather than a temporary stepping stone.

With the new mortgage rules, buyers in Toronto and Mississauga now have more purchasing power. In the 905 region, where detached homes average $1,336,718 and semi-detached homes $953,776, reduced down payment requirements make these properties more accessible.

The Rise of Single Buyers in Real Estate

An increasing number of single buyers—particularly women—are entering the housing market, reflecting a broader trend of financial independence. In 1981, married couples made up 73% of homebuyers, while single women accounted for just 11%. By January 2024, the share of married couples had dropped to 59%, with single women making up 19%, single men 10%, and unmarried couples 9%.

This shift signals a changing landscape where homeownership is no longer tied to traditional life milestones like marriage. Instead, more individuals are using real estate as a tool for financial stability and wealth-building on their own terms.

Millennials Will Continue to Drive the Housing Market in 2025

Despite affordability challenges, millennials remain committed to homeownership. A 2024 Scotiabank poll found that 58% of millennials and Gen Z plan to buy a home within the next five years. However, 82% acknowledge that homeownership is becoming increasingly difficult. Even so, they still view real estate as a crucial long-term investment.

With shifting financial priorities, policy changes, and evolving affordability dynamics, millennials are playing a key role in shaping Canada’s housing market. Their demand for more space, investment potential, and financial security will continue to influence real estate trends for years to come.

Selling your home is an exciting milestone, but it requires careful preparation to ensure a smooth process and a top-dollar sale. Whether you're moving for a new job, upgrading, or downsizing, getting your home market-ready is essential. Here’s a step-by-step guide to help you prepare your home for a successful sale.

1. Understand the Market

Before listing your home, research the local real estate market. Look at comparable home sales in your area to gauge pricing trends and demand. Consider working with a real estate professional who can provide insights and a competitive market analysis (CMA) to help you price your home strategically.

2. Declutter and Depersonalize

3. Make Necessary Repairs and Upgrades

Small repairs can make a big difference in how your home is perceived. Fix leaky faucets, squeaky doors, chipped paint, and other minor issues. If your budget allows, consider making strategic upgrades like a fresh coat of neutral paint, modern light fixtures, or updated hardware to add value.

4. Boost Curb Appeal

First impressions matter, and your home’s exterior is the first thing buyers see. Enhance curb appeal by mowing the lawn, trimming bushes, planting flowers, and ensuring the entryway is clean and inviting. A fresh coat of paint on the front door can also make a big impact.

5. Deep Clean Your Home

A spotless home is more appealing to buyers. Consider hiring professional cleaners to deep clean carpets, windows, and hard-to-reach areas. Pay special attention to kitchens and bathrooms, as these spaces are major selling points.

6. Stage Your Home for Showings

Staging helps highlight your home’s best features. Arrange furniture to maximise space, add fresh flowers or greenery for a touch of life, and use soft lighting to create a warm and inviting atmosphere. If needed, consult a professional stager for expert advice.

7. Take High-Quality Listing Photos

Most buyers start their home search online, so high-quality photos are crucial. Work with a real estate agent or a professional photographer to capture your home in the best light, showcasing its key features and selling points.

8. Prepare for Showings and Open Houses

Once your home is listed, be ready for showings. Keep your home tidy, maintain a neutral scent (avoid strong fragrances), and consider leaving during showings to allow buyers to explore comfortably. Have a plan for pets to ensure they don’t disrupt potential buyers.

9. Work with a Trusted Real Estate Professional

A skilled real estate agent can guide you through the selling process, from pricing and marketing to negotiations and closing. Choose an agent with experience in your local market who understands your goals and can help maximize your home’s value.

10. Be Ready for Offers and Negotiations

Once offers start coming in, review them carefully with your agent. Be prepared to negotiate terms, including price, contingencies, and closing dates. A well-prepared home often attracts competitive offers, giving you more leverage in negotiations.

Final Thoughts

Selling your home doesn’t have to be overwhelming. With proper preparation, strategic marketing, and the right team by your side, you can successfully sell your home for the best possible price. If you’re considering selling, start planning early and take the necessary steps to make your home stand out in today’s market.

Looking for expert advice on selling your home? Contact us today to get a personalized home evaluation and marketing plan!

As tensions rise over potential new U.S. tariffs on Canadian goods, the Canadian housing market finds itself at the centre of concern. Industry experts warn that a looming trade war, sparked by the prospect of a 25% tariff on Canadian exports to the U.S., could have far-reaching implications for housing affordability, construction costs, and the broader economy.

The Immediate Impact: Rising Construction Costs

The U.S. and Canada share a robust trading relationship, exchanging billions of dollars' worth of homebuilding materials annually. If President Trump proceeds with the proposed tariffs, and Canada responds with retaliatory measures as Prime Minister Trudeau has indicated, the cost of key construction materials is expected to surge.

Kevin Lee, CEO of the Canadian Home Builders' Association (CHBA), notes that materials like glass products, appliances, hardware, ceramics, and primary metals such as iron, steel, and aluminium would be among the hardest hit. In 2023 alone, Canada imported over $14 billion worth of these metals from the U.S., along with billions more in other essential building supplies. Higher costs for these materials will inevitably be passed on to homebuyers, affecting both new constructions and renovations.

Economic Ripple Effects

While the direct impact on material costs is significant, the broader economic consequences could be even more problematic. Tariffs can trigger economic slowdowns or even recessions, leading to job losses and reduced consumer confidence—factors that directly affect housing demand. As Kevin Lee highlights, "An economic slowdown or recession always translates directly into fewer housing starts."

This is particularly concerning given that Canada's housing market is currently in a recovery phase. A 2025 housing outlook projects a 6% increase in average home prices this year, with housing starts up 2% year-over-year in 2024. A trade war could stall this momentum, exacerbating the country's ongoing housing supply issues.

Challenges for Homebuyers and Renovators

While resale homes may not face direct price increases from tariffs, the renovation sector will likely experience significant cost hikes. Phil Soper, CEO of Royal LePage, points out that the renovation industry relies heavily on imported materials, meaning that homeowners planning upgrades could face unexpectedly high expenses.

Potential Mitigation Strategies

Despite the looming challenges, there are measures that could help mitigate the impact. Suppliers are already seeking alternative sources for materials to reduce dependence on U.S. imports. Additionally, government intervention could play a crucial role.

Some suggests that removing the GST on new homes and lowering high development taxes could help offset the increased costs from tariffs. Moreover, the situation could encourage Canada to diversify its supply chains, fostering greater economic resilience in the long run.

A Resilient Outlook

While the prospect of a trade war poses undeniable risks, Canada’s strong economic fundamentals provide a buffer. As Phil Soper emphasises, "Canada is a G7 country, one of the largest and most dynamic economies on the planet, and we will adjust."

In conclusion, while the potential U.S. tariffs and subsequent trade war could disrupt the Canadian housing market, proactive measures by both the government and the industry could help navigate these turbulent times. Homebuyers, builders, and investors alike will need to stay informed and adaptable as the situation unfolds.

Ready to Navigate the Market?

If you're considering buying, selling, or investing in real estate amidst these changing economic conditions, we're here to help. Contact us today for expert advice tailored to your needs and stay ahead in Canada's dynamic housing market.

The rise of AI tools has transformed the way consumers seek information, and real estate is no exception. With just a few clicks, buyers can find listings, calculate mortgage payments, and even receive automated recommendations for properties. But does this mean that real estate agents are becoming obsolete? Far from it.

The Value Buyers Don’t See

One of the biggest misconceptions about real estate agents is that their role is limited to showing homes and collecting a commission. In reality, much of an agent’s work happens behind the scenes, long before and after a home is bought or sold.

Surveys of homebuyers consistently reveal that many don’t fully grasp the scope of work their agent does, but they certainly appreciate the results. Tasks like navigating negotiations, resolving unexpected issues, and advocating for buyers during complex transactions all require a level of expertise that AI simply cannot replace.

More Than Just Data – The Power of Connection

Buyers might use AI tools to generate a list of potential homes, but they still rely on agents to help them make sense of their options. While AI can analyse trends and suggest offer prices, only a skilled agent can assess the nuances of a market, understand a buyer’s unique needs, and provide invaluable advice on what makes a fair deal.

Another key advantage agents have over technology is their ability to negotiate. Real estate transactions are not just numbers on a screen—they involve human emotions, competing interests, and unexpected hurdles. A strong negotiator can save their clients thousands of dollars and prevent costly mistakes, something an algorithm simply can’t replicate.

Communication is Key

One of the biggest takeaways from recent buyer feedback is that clients value clear communication throughout the entire process. While digital tools can provide information, they lack the ability to guide a client through the emotional and logistical challenges of buying a home. Buyers still appreciate personal guidance when it comes to fair pricing, financing options, and the complexities of home inspections.

Agents who are proactive in communicating their value—by educating clients, addressing concerns, and offering trusted recommendations—will continue to be indispensable in the home-buying journey.

The Future: A Blend of Tech and Human Expertise

AI isn’t going away, and savvy real estate professionals are already leveraging technology to streamline their work. However, the best agents recognize that AI is a tool, not a replacement. The time saved using digital resources can be reinvested into building relationships and providing an even better experience for clients.

At the end of the day, buying a home is one of the most significant financial and emotional decisions a person will make. No AI tool can replace the reassurance of a knowledgeable, trustworthy agent who can navigate the challenges, celebrate the victories, and ensure their clients make confident decisions. The future of real estate will be a balance between technology and the irreplaceable human touch—one that no algorithm can replicate.

If you’ve been renting for a while, you may have wondered when it might be the right time to buy a home. The answer is unique to each individual and depends on both personal readiness and market conditions. Here are six signs that could indicate you’re ready to make the leap into homeownership.

1. You’re Ready to Settle Down

If you’re feeling ready to commit to one location for the foreseeable future and are growing tired of renting, buying a home might be the next step. While renting offers flexibility, owning a home allows you to build equity over time, even in markets with higher interest rates. Mortgage payments contribute to your financial future, unlike rent, which builds equity for your landlord.

2. Your Finances Are in Order

Homeownership is a significant financial commitment, so being financially prepared is crucial. This includes having a good credit score, a steady income, and savings for a down payment. Down payments can range from 5% to 20% of the home’s price, depending on the type of purchase. Additionally, there are ongoing costs such as property taxes, maintenance, and furnishings to budget for.

If your credit score is strong and you’ve been diligent about managing debt, it may be time to consult with a lender or mortgage broker to explore your options.

3. You’re Thinking Long Term

Real estate markets can fluctuate, but a long-term outlook can help you navigate market uncertainties. If you’re willing to invest in a property and stay put for several years, you could see significant financial and lifestyle benefits. A long-term commitment also positions you to benefit from potential market growth and equity gains over time.

4. You Have a Stable Career

Job security is a key factor when considering homeownership. Mortgage lenders typically favour borrowers with steady employment, particularly those with full-time, permanent roles. Additionally, it’s wise to assess the job market in your desired area to ensure your career prospects remain strong should you decide to change roles in the future.

Having a financial safety net, such as additional savings, can also help you weather unexpected changes like layoffs or emergencies.

5. You Want to Personalize Your Space

If you’re itching to make a home truly your own, buying might be the right choice. Owning allows for renovation projects and personal touches that rental agreements often restrict.

There are several paths to consider:

• Pre-construction homes offer customisation options but may have longer timelines.

• Unfinished homes provide flexibility for renovations, though they require specific permits and financing.

• Older homes can be renovated gradually, allowing you to move in and personalise the space over time.

6. You’ve Consulted with a REALTOR®

Talking to a REALTOR® early in your decision-making process can provide valuable insights into the market and help you understand the steps involved in buying a home. They can offer advice tailored to your financial situation and housing preferences, making the journey to homeownership more manageable.

Final Thoughts

Deciding to buy a home is a personal milestone that involves careful consideration of your lifestyle, finances, and future plans. If you’re unsure whether you’re ready, start by meeting with a REALTOR® to discuss your options. You may be closer to achieving homeownership than you think!

As winter sets in, there's no better time to transform your home into a warm, inviting sanctuary. Whether you're seeking a rustic retreat or just a cozy corner to curl up in, a few simple design adjustments can make your space feel like a welcoming haven during the colder months. Here are nine expert tips to help you create a home that's perfect for relaxing, entertaining, and embracing the season's cozy charm.

1. Create a Hearth-Centred Atmosphere

The fireplace is often the heart of the home, especially during winter. If you're lucky enough to have a traditional fireplace, make it the focal point of your living area. But even if you don’t, there are modern alternatives to bring that cozy, flickering glow into your space. Consider ventless fireplace inserts, which can mimic the warmth and ambiance of a real fire without the need for a chimney or gas lines. It's a perfect way to bring that comforting heat and visual appeal into your home.

2. Appeal to the Senses with Scents

One of the quickest ways to set a cozy mood in your home is by evoking the senses, particularly smell. Choose seasonal candles with comforting scents like fresh pine, sugar cookies, or cinnamon. The right scent can transport you to a winter wonderland, making your space feel inviting and festive without even having to decorate.

3. Layer Textures for Ultimate Comfort

Winter is the season for soft, plush textures that invite you to relax. Layer up your sofas and chairs with throw blankets, velvet pillows, and wool rugs. These tactile elements add warmth and depth to any room, turning your living space into a snug retreat. Fabrics like faux fur, velvet, and flannel are especially great for adding texture and coziness to your home.

4. Master the Art of Lighting

As daylight hours shrink, lighting becomes essential to creating a warm, intimate atmosphere. Opt for soft, ambient lighting that encourages relaxation. Use dimmer switches to adjust the brightness depending on the mood you want to set. In addition to overhead lights, consider using task lamps or accent lighting in areas like reading corners to create a serene environment.

5. Wrap Your Walls in Comfort

If you’re looking to make a room feel cozier, consider adding wall-to-wall patterns or textures that embrace the space. Wallpaper with nature-inspired designs or soft patterns can help create a sense of warmth and make large spaces feel more intimate. Combining these with rich bedding and layered textiles will give the room a comfortable, lived-in feel.

6. Bring the Outdoors In

Natural elements, such as fresh greenery, bring life and a sense of calm to any room. Potted evergreens, wreaths, or freshly cut branches can instantly elevate your winter decor. Their earthy tones and fragrance contribute to a nature-inspired aesthetic that evokes the winter season. Plus, adding these organic elements into your space is a great way to keep your home feeling fresh and connected to the outdoors.

7. Carve Out Quiet Corners

Winter is the perfect time to slow down and embrace solitude. Consider setting up a cozy reading nook or a quiet corner in your home for moments of relaxation. Add a comfortable chair, soft lighting, and a warm blanket. If you're working with a larger space, create partitions using heavy curtains or a subtle change in flooring to define the area and add an extra layer of warmth.

8. Warm Up Your Colour Palette

To combat the coolness outside, incorporate warm tones into your home’s colour scheme. Think deep reds, browns, golds, and earthy hues. These rich colours help create a cozy atmosphere and can be introduced through accent pillows, throws, or even painted furniture. Using warm tones throughout your space brings a sense of calm and helps create an inviting environment for family gatherings.

9. Embrace the Charm of Wood

Nothing says rustic comfort like wood. Whether it’s reclaimed wood furniture, wooden beams, or a wood-panelled wall, incorporating natural wood elements into your home brings warmth and texture. Wood not only adds a sense of grounding to your space, but it also contributes to the overall rustic charm that’s so desirable in wintertime. Mixing different types of wood, such as cedar and fir, can add contrast and dimension to your home, creating a layered, balanced feel.

By following these expert tips, you can effortlessly transform your home into a cozy winter retreat. From the warmth of a fireplace to the tactile comfort of plush textiles, these changes will help you embrace the season in style. Whether you’re hosting family for the holidays or simply enjoying a quiet evening by the fire, your home will become the ultimate winter sanctuary.

The real estate market is poised for an exciting resurgence as we move into spring, thanks to a combination of pent-up demand, favourable borrowing conditions, and the season's usual uptick in listings. After years of fluctuating market activity, buyers and sellers alike can look forward to a dynamic season with opportunities across various segments of the housing market.

What’s Driving the Anticipated Spring Boom?

Several factors are aligning to create the perfect storm for a robust spring real estate market:

1. Pent-Up Demand: After more than two years of cautious activity, buyers are ready to re-enter the market. This eagerness, combined with improving economic conditions, could unleash significant market activity.

2. Lower Borrowing Costs: Recent interest rate cuts have created a more favourable environment for buyers, further fuelling demand.

3. Increased Inventory: Many regions, particularly Ontario and British Columbia, are showing an abundance of available properties. This surplus offers buyers more options than they’ve seen in years.

Regional Trends to Watch

While the national market is expected to see prices rise by an average of 4.7% this year, regional variations offer unique opportunities:

• Ontario and British Columbia: These provinces are expected to see moderate price increases aligned with inflation. However, the ample inventory in these areas provides room for buyers to make strategic investments without immediate pressure from rising prices.

• Luxury Market Dynamics: Single-family homes are taking the lead in the luxury segment, as buyers increasingly seek value in larger properties.

Risks on the Horizon

Despite the optimistic outlook, the market isn’t without potential challenges. Economic uncertainties, such as trade tensions, could dampen activity. Additionally, a rapid surge in demand could outpace supply, creating short-term market imbalances.

A Preview from the Fall

The real estate rebound seen in the fall offers a glimpse of what’s to come. While December saw a slight dip in activity due to limited supply, overall sales remained significantly higher than mid-year levels. This momentum, combined with the usual spring listing surge, sets the stage for a bustling market.

Key Takeaways

As spring approaches, both buyers and sellers should prepare for a season filled with opportunities:

• Buyers: Take advantage of increased inventory and favourable borrowing conditions to find the right property before prices rise further.

• Sellers: The spring surge in demand presents an ideal opportunity to list properties, with many motivated buyers ready to act.

Whether you’re considering entering the market or simply observing, 2025 is shaping up to be an exciting year for real estate. Now is the time to plan your next move and make the most of this vibrant market environment.

Hamilton, ON — Hamilton’s housing market is already under intense pressure, and the City of Hamilton's consideration of a Municipal Land Transfer Tax (MLTT) could make matters worse for homebuyers and the local economy.

The Cornerstone Association of REALTORS® is raising concerns about the impact of this proposed tax, which would be added on top of the existing provincial land transfer tax. In a city where affordability is already a major issue, this additional financial burden threatens to put homeownership even further out of reach for many residents.

Why the MLTT Could Hurt Hamilton Homebuyers

Hamilton’s housing market has seen skyrocketing prices, limited supply, and increased demand, making it challenging for prospective buyers to find affordable options. Adding a municipal land transfer tax to the equation would significantly increase the upfront costs of purchasing a home.

“This tax would effectively make homeownership less attainable in Hamilton, placing a disproportionate burden on prospective buyers,” said Julie Sergi, Chair of the Cornerstone Association of REALTORS®. “With rising inflation, stagnant wages, and a competitive housing market, Hamiltonians are already struggling to afford homes. The last thing they need is an additional tax that will make achieving the dream of homeownership even harder.”

Public Opposition to the MLTT

The community’s stance on this issue is clear: a recent poll by Abacus Data revealed that a significant majority of Hamiltonians oppose the implementation of an MLTT. Residents expressed concerns that the tax would delay their ability to purchase a home and worsen affordability challenges.

Potential Economic Repercussions

Beyond impacting homebuyers, the MLTT could have wider economic consequences. The housing market is a major driver of consumer spending, and any slowdown in real estate transactions could affect sectors like home renovations, local retail, and other industries tied to homeownership.

“Imposing this tax would not only hurt homebuyers, but it could also have wider economic repercussions for Hamilton,” Sergi added. “The housing market drives consumer spending, and any slowdown in transactions would result in lost economic activity, affecting everything from home renovations to local retail businesses.”

A Call for Better Solutions

The Cornerstone Association of REALTORS® is urging Hamilton City Council to reconsider its priorities and focus on policies that support affordable housing and long-term economic stability. Instead of imposing additional taxes, the organisation advocates for alternative solutions that prioritise affordability and reduce financial barriers for families.

In an already challenging economic environment, Hamiltonians need support, not additional hurdles. It’s time to explore innovative, sustainable policies that foster a thriving, affordable housing market and a strong local economy.

As a team of realtors, our mission is to help you protect your investment while maximizing your home's value. One of the best ways to achieve this is through smart home upgrades that reduce risks, save on insurance costs, and boost your property’s appeal. Here are ten improvements to consider:

1. Invest in a Security System

A modern security system does more than deter intruders—it’s an investment in safety and peace of mind. Features like cameras, alarms, smart locks, and fire or carbon monoxide detectors not only improve security but can also lead to lower insurance premiums.

2. Upgrade Your Roof

Your roof is your home’s first line of defence against the elements. A durable, weather-resistant roof—such as one with impact-resistant shingles—reduces the risk of storm damage and may qualify for insurance discounts, especially in provinces like Alberta and Ontario, where severe weather is common.

3. Install Storm Shutters or Impact-Resistant Windows

If your area experiences frequent snowstorms, heavy rainfall, or strong winds, storm shutters or impact-resistant windows add an extra layer of protection. These upgrades can help prevent damage and demonstrate to insurers that you’re proactive about managing risks.

4. Modernize Electrical Wiring and Plumbing

Older homes often have outdated electrical and plumbing systems, which pose safety hazards and increase insurance costs. Upgrading these systems not only reduces the risk of fire or water damage but also increases your home’s overall value.

5. Add Whole-House Surge Protection

Electrical surges can damage your appliances and systems. Installing whole-house surge protection safeguards your home and may even qualify you for lower insurance rates.

6. Use Fire-Resistant Materials

From non-combustible siding like stone or brick to fire-resistant insulation, these materials are a smart investment. They enhance the safety of your home while potentially lowering your insurance premiums.

7. Upgrade Heating Systems

Old heating systems can be fire hazards and inefficient. Replacing them with modern, energy-efficient options like electric heat pumps or natural gas furnaces reduces risks, improves energy efficiency, and lowers utility bills.

8. Install a Sump Pump or Backflow Valve

For homes in flood-prone areas, water damage is a constant concern. A sump pump or backflow valve protects your home from flooding and sewage backups, which can help reduce your insurance premiums.

9. Consider a Fire Sprinkler System

Fire sprinklers, while more common in industrial settings, are becoming popular in residential homes—particularly in fire-prone areas. They help contain fires quickly, reducing damage and possibly lowering insurance costs.

10. Keep Your Property Well-Maintained

Simple tasks like cleaning gutters, trimming trees, and keeping your yard tidy prevent avoidable damage and maintain your home’s curb appeal. A well-maintained property is less likely to face insurance claims, benefiting you in the long term.

By sharing these recommendations, we aim to help you make informed decisions that protect your investment and enhance your home’s value. These upgrades not only improve safety and reduce costs but also make your property more attractive to future buyers.

Have questions or want to discuss how these upgrades can help your home stand out? Our team is here to help—let’s connect!

Selling your home is a significant decision that involves careful planning and preparation. A well-prepared home not only attracts potential buyers but also ensures you get the best possible price. Here’s a step-by-step guide to help you get your property market-ready.

1. Assess the Market

Before listing your home, research the local real estate market. Understand the demand, average selling prices, and the type of properties buyers are looking for in your area. Consulting a local real estate agent can provide valuable insights and help you set a competitive asking price.

2. Declutter and Depersonalise

Buyers need to envision themselves living in your home, which can be challenging if the space is filled with personal items and clutter.

• Remove family photos, personal collections, and excessive decorations.

• Organise closets, cabinets, and storage areas to showcase the space's full potential.

• Donate or store items you don’t need during the selling process.

3. Deep Clean

A clean home creates a positive first impression. Pay special attention to:

• Carpets and flooring

• Windows and mirrors

• Kitchens and bathrooms

• Air vents and light fixtures Consider hiring professional cleaners for a thorough job if needed.

4. Make Necessary Repairs

Addressing minor repairs can prevent buyers from negotiating lower prices due to perceived issues. Focus on:

• Fixing leaky faucets

• Replacing cracked tiles

• Patching holes in walls

• Ensuring all lights and appliances are functional

5. Boost Curb Appeal

The exterior of your home is the first thing buyers see. To make a great impression:

• Trim the lawn, bushes, and trees.

• Add fresh mulch and seasonal flowers.

• Clean the driveway, walkway, and porch.

• Consider painting the front door and updating house numbers or the mailbox for a refreshed look.

6. Stage Your Home

Staging highlights your home’s best features and helps buyers visualise its potential. If you’re doing it yourself:

• Arrange furniture to create open, inviting spaces.

• Use neutral colours and minimal decor.

• Add fresh flowers or fruit bowls for a touch of warmth. Professional staging services can further enhance your home’s appeal.

7. Enhance Lighting

Well-lit spaces feel larger and more inviting. Ensure:

• Curtains and blinds are open to let in natural light.

• Light bulbs are consistent in colour and brightness.

• Lamps and overhead lights are turned on during showings.

8. Take High-Quality Photos

In today’s digital age, the first impression of your home often comes from online listings. Invest in professional photography to showcase your home in the best light. Highlight key features like updated kitchens, spacious living areas, or a beautiful backyard.

9. Set the Right Price

An overpriced home can sit on the market for too long, while an underpriced home may not give you the return you deserve. Work with a real estate agent to conduct a comparative market analysis (CMA) and determine the optimal price for your property.

10. Be Flexible with Showings

Make your home available for viewings at different times, including evenings and weekends, to accommodate potential buyers’ schedules. Keep your home clean and tidy at all times to be ready for last-minute showings.

11. Market Effectively

Leverage multiple channels to reach a broader audience. This includes:

• Online listings on popular real estate platforms

• Social media promotion

• Open houses

• Email campaigns targeting local buyers

12. Prepare for Inspections and Appraisals

Once you’ve accepted an offer, your home will likely undergo an inspection and appraisal. Be proactive by addressing any known issues beforehand and keeping all maintenance records organised.

Final Thoughts

Preparing your home for sale takes effort, but the results are well worth it. A clean, well-maintained, and properly priced home is more likely to sell quickly and for the best price. To make the process smoother and less stressful, partner with a trusted realtor who can guide you every step of the way. Good luck!

Ontario has just announced a groundbreaking investment in energy efficiency, setting a new benchmark for sustainability and savings in Canada. The province’s $10.9 billion, 12-year energy efficiency initiative—the largest of its kind in Canadian history—aims to help families and businesses save money while reducing their environmental footprint.

The Home Renovation Savings Program

The flagship of this initiative is the Home Renovation Savings Program, launching on January 28, 2025. This program offers rebates of up to 30% for a variety of home energy efficiency improvements, including:

• New windows and doors

• Insulation and air sealing

• Smart thermostats

• Heat pumps

• Rooftop solar panels and battery storage systems

Later in 2025, the program will expand to include rebates for energy-efficient appliances like refrigerators and freezers. This “one-window” access for upgrades will streamline applications and make the process more accessible for homeowners.

Notably, the program extends eligibility to households using propane or oil for heating—a significant change from previous restrictions that limited rebates to homes heated by electricity.

Empowering Businesses Through Energy Efficiency

In addition to helping homeowners, the province is introducing new energy efficiency incentives for small businesses. Under the expanded Peak Perks Program, businesses such as convenience stores and restaurants can receive:

• An initial $75 incentive upon enrolment

• $20 annually for each eligible smart thermostat connected to a central air conditioning system or heat pump

This initiative complements the 12 existing Save on Energy programs, which cater to a broad spectrum of sectors, including low-income households, municipalities, agriculture, and First Nations communities.

The Impact: Savings, Sustainability, and Economic Growth

By 2036, these programs are expected to cut Ontario’s peak electricity demand by 3,000 MW—the equivalent of removing three million homes from the grid. The investment is projected to generate $23.1 billion in electricity system benefits, saving ratepayers $12.2 billion by avoiding the need for new power generation infrastructure.

“Ontario’s new $10.9 billion energy efficiency investment represents a pivotal step forward for our region's productivity and climate economy,” said Giles Gherson, President and CEO of the Toronto Region Board of Trade.

Moreover, this initiative will stimulate economic growth by creating opportunities for contractors, electricians, HVAC installers, and others involved in energy efficiency retrofits.

A Sustainable Future

Ontario is not just addressing rising energy demand but also taking a strategic approach to long-term energy sustainability. The government’s all-encompassing energy plan includes investments in nuclear energy, new transmission infrastructure, and competitive procurements for clean energy resources.

This bold vision underscores the province’s commitment to affordability, reliability, and sustainability. As Vittoria Bellissimo, President of the Canadian Renewable Energy Association, aptly stated: “These new and enhanced programs create meaningful opportunities for Ontarians to take control of their energy use and reduce costs.”

Why It Matters

The new energy efficiency programs aren’t just about saving money—they’re about empowering Ontarians to make choices that benefit their wallets and the planet. Whether you’re a homeowner planning a renovation or a small business owner looking to cut energy costs, Ontario’s energy efficiency programs offer a win-win solution