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Top Neighbourhoods in Burlington for Families in 2025

Thinking about moving to Burlington, Ontario with your family? You’re not alone! With its beautiful waterfront parks, excellent schools like John T. Tuck Public School in Roseland, and safe, welcoming communities, Burlington continues to be one of the top cities in the GTA for families.

Whether you're a first-time homebuyer or looking for your forever home, choosing the right neighbourhood makes all the difference. Here’s a closer look at some of the best family-friendly neighbourhoods in Burlington in 2025.

1️⃣ Roseland

One of Burlington’s most established and prestigious neighbourhoods, Roseland offers families beautiful, tree-lined streets, spacious lots, and proximity to some of the best schools in the city. Known for its mature homes and proximity to Lake Ontario, this community has a timeless charm that continues to attract families year after year.

Why families love it:
✅ Home to John T. Tuck Public School, consistently one of Burlington’s highest-ranked elementary schools
✅ Quiet, established streets with character homes and custom builds
✅ Steps from Lake Ontario, Roseland Park, and downtown Burlington
✅ Strong community association with year-round events

2️⃣ Millcroft

Millcroft remains one of Burlington’s most sought-after family neighbourhoods — and for good reason. Known for its top-rated schools, sprawling parks, and the Millcroft Golf Club, this area offers a perfect balance of suburban living and modern convenience.

Why families love it:
✅ Safe, quiet streets
✅ Plenty of parks and playgrounds
✅ Close to excellent elementary and secondary schools
✅ Easy access to shopping, dining, and highways

3️⃣ Alton Village

A newer, master-planned community, Alton Village is ideal for young families looking for modern homes and walkable amenities. With a strong sense of community and proximity to Norton Community Park and Haber Recreation Centre, this neighbourhood is perfect for active families.

Highlights:
✅ Newer homes with family-friendly layouts
✅ Highly-rated schools nearby
✅ Community centres, sports fields, and splash pads
✅ Quick access to major highways and GO transit

4️⃣ The Orchard

Nestled between Millcroft and Bronte Creek Provincial Park, The Orchard is a picturesque neighbourhood filled with tree-lined streets, trails, and family homes. It’s especially popular for families who love spending time outdoors.

Why it stands out:
✅ Walking distance to parks and trails
✅ Close to Bronte Creek Provincial Park
✅ Great schools within the neighbourhood
✅ Strong community feel with local events and family activities

5️⃣ Headon Forest

Headon Forest offers mature trees, larger lots, and a more established feel. This neighbourhood is perfect for families looking for a mix of older, character-filled homes and newer builds.

Key perks:
✅ Quiet, established streets
✅ Close to grocery stores, shopping centres, and schools
✅ Beautiful parks and playgrounds nearby
✅ Strong community associations and neighbourhood events

6️⃣ Elizabeth Gardens

Located in Burlington’s southeast corner near the lake, Elizabeth Gardens is a hidden gem for families who want to be near the water without sacrificing convenience. It’s an excellent option for those seeking affordable homes and easy access to lakeside parks.

Family-friendly features:
✅ Steps from Lake Ontario and waterfront parks
✅ Larger lots with room to grow
✅ Minutes to downtown Burlington and Oakville
✅ Proximity to schools, shops, and restaurants

🎯 Final Thoughts

Burlington continues to shine as one of Ontario’s most family-friendly cities. From modern subdivisions to established, character-rich communities, there’s a neighbourhood to suit every family’s lifestyle and needs.

Thinking about moving to Burlington? Let’s connect — I’d be happy to help you find the perfect neighbourhood to call home.

Contact Sandy Smallbone today for expert advice and local insights into Burlington’s real estate market.


Discover the top family-friendly neighbourhoods in Burlington for 2025, including Roseland — home to top-ranked John T. Tuck Public School. Find your perfect community today!

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The Ultimate Moving Checklist for a Stress-Free Move in Canada

Moving into a new home is exciting — but let’s be honest, it can also be a little overwhelming. Between packing, paperwork, and coordinating movers, it’s easy for things to slip through the cracks. That’s why we’ve put together this ultimate moving checklist to help you stay organized and on track.

Whether you’re moving within Burlington, to a neighbouring city, or across Ontario, this guide will help make your move as smooth as possible.

📦 6–8 Weeks Before Moving Day

  • Sort and declutter: Go room by room and decide what to keep, donate, sell, or toss.

  • Start researching movers: Get quotes from several reputable moving companies in your area. If moving yourself, book a rental truck early.

  • Gather important records: Collect school, medical, veterinary, and financial records.

  • Notify your landlord: If renting, give the proper written notice as required in your lease agreement.

📦 4 Weeks Before Moving Day

  • Order packing supplies: Stock up on boxes, tape, bubble wrap, and markers.

  • Start packing non-essentials: Pack items you won’t need before the move like seasonal décor, books, and off-season clothing.

  • Label everything: Clearly mark boxes with their contents and destination room.

  • Update your address: Notify Canada Post and begin changing your address with banks, subscriptions, and service providers.

📦 2 Weeks Before Moving Day

  • Confirm details with your mover or truck rental.

  • Plan for pets and kids: Arrange care for moving day if needed.

  • Transfer or set up utilities: Contact your hydro, gas, internet, and other utility providers to schedule service changes.

  • Dispose of hazardous items: Properly discard paints, chemicals, and old electronics.

📦 1 Week Before Moving Day

  • Pack a “first night” box: Include essentials like toiletries, pyjamas, chargers, snacks, and important documents.

  • Clean your current home: Schedule a cleaning service or set aside time to tidy up.

  • Confirm closing or key pickup details with your real estate agent and lawyer.

📦 Moving Day!

  • Do a final walkthrough: Check cupboards, closets, and garage for missed items.

  • Direct movers or helpers: Show them where things go in your new home.

  • Check utilities: Make sure heat, water, and electricity are running.

  • Celebrate your new home! Snap a few photos and order your favourite takeout.

📌 Final Moving Tips

  • Stay hydrated and wear comfy clothes.

  • Keep valuables and documents with you during the move.

  • Use clear bins for important items like remotes, medication, and tools.

🎉 Ready for a Fresh Start?

Moving doesn’t have to be stressful when you’re organized and prepared. Follow this checklist to stay ahead of the chaos and actually enjoy your moving day.

If you’re planning a move in Burlington, Oakville, or the surrounding areas, I’d be happy to help. Reach out today for local insights, market advice, or recommendations for trusted movers and services.


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Ontario’s Housing Market Reset: New Data Highlights Shifting Buyer Trends and Investor Pullback

The Ontario real estate market has entered a new phase—one defined less by frenzied growth and more by recalibration. With new insights emerging from the latest Ontario Land Registry data, a clearer picture is forming of how buyer profiles, investor activity, and ownership patterns have evolved in the face of changing market dynamics.

A Dual-Speed Market: Condos Dominate in the City

One of the most striking revelations is the divergence between Toronto and the rest of the province. While condominiums account for roughly one-quarter of land transfers across Ontario, they represent a dominant 60% in Toronto. This isn’t just a quirk of urban density—it reflects a deepening contrast in buyer demand, inventory levels, and price tolerance.

In 2024, Toronto condo transfers surged by 20% year-over-year. However, this increase was largely driven by the completion of pre-construction units sold in earlier years. Over 15,000 new condos were registered in the Ontario Land Registry, marking a 78% jump from 2023. This wave of new supply may help explain why resale condo transactions fell to their lowest levels—new units are flooding the market and shifting the balance between new and existing inventory.

Multi-Property Owners Retreat—But Not Entirely

Another defining trend of Ontario’s market reset is the decline in activity among multi-property owners (MPOs). Once the province's most active buyer group, MPOs accounted for nearly 25% of transactions in previous years. Their influence remains strong, but the pace is slowing. Notably, the number of MPOs with portfolios of 11 or more properties has dropped significantly—from 13% in April 2022 to just over 7% today.

Despite the retreat, new buyers continue to enter the investor pool. The majority of MPOs today hold just two or three properties, suggesting a prevalence of individual investors rather than large-scale institutional players. Interestingly, a significant portion of recent MPO transactions have occurred without mortgages, indicating that cash-rich buyers are still finding value in select markets, especially in the Greater Toronto Area.

Losses Stack Up for Recent Buyers

While seasoned investors might have the flexibility to hold or pivot, some recent buyers haven't been as fortunate. Data shows that one in four properties bought at the peak of the 2022–2023 market and sold in 2024 were sold at a loss. The average loss across Ontario was around $45,000, with the Greater Toronto Area experiencing a median drop of $56,000. Cottage country properties fared even worse, with median losses reaching as high as $240,000 in some regions.

These losses underscore the risks of buying during a market peak, particularly when paired with rising borrowing costs and limited appreciation potential in the short term.

First-Time Buyers Delayed, But Still Active

High home prices and elevated interest rates have pushed first-time buyers further up the age ladder. In 2011, the average age of a first-time buyer in Ontario was 36; by 2024, it has climbed to 40. This cohort now favours condos, especially in urban centres like Toronto, where affordability—relatively speaking—remains most accessible in this housing type.

Despite economic challenges, first-time buyers continue to play a critical role in the condo market, accounting for roughly one-quarter of condo purchases across the province. The average price for first-time buyers in Toronto has risen sharply over the past decade, from just under $500,000 to approximately $1.3 million in 2024.

Homeowners Holding On Longer

A significant behavioural shift is also happening among existing homeowners. The average holding period for non-condo properties has increased from 11 years to 12.5 years across Ontario. In Toronto, the average holding period for non-condo properties is nearing 18 years—up from 13.8 a decade ago.

This trend reflects growing uncertainty and a reluctance to re-enter a volatile market. Many homeowners who would traditionally move up or downsize are now choosing to stay put, either waiting for more stable conditions or benefiting from low locked-in mortgage rates.

What Comes Next?

Ontario’s housing market appears to be undergoing a structural reset. Investor enthusiasm is more measured, first-time buyers are entering the market later, and homeowners are staying longer. While interest rates and policy decisions will continue to shape the future, current data suggests that a return to the exuberance of the past decade is unlikely in the near term.

Instead, the market is moving toward a more balanced state—one where patience, prudence, and informed decision-making are once again critical to navigating Ontario real estate.

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Renovations That Pay Off: What Boosts Your Home's Value—and What to Leave for the Next Owner

If you’re preparing to sell your home, the question of which renovations will increase its value can feel overwhelming. It’s tempting to think you need to overhaul everything, but smart sellers know that not all upgrades are created equal. In fact, some renovations offer an excellent return on investment, while others are best left to the next homeowner.

Whether you're in Roseland, Shoreacres, Aldershot, or anywhere else in Burlington’s sought-after south end, understanding what buyers are looking for can help you make informed decisions—and potentially walk away with a higher sale price.

Renovations That Add Real Value

Kitchen Updates (Not Gut Jobs)

The kitchen remains the heart of the home and a focal point for buyers. But that doesn’t mean you need to invest in a full remodel. In fact, a mid-range kitchen refresh—think new cabinet hardware, updated lighting, a fresh coat of paint, and modern countertops—can often bring in a better return than a luxury overhaul. Stainless steel appliances and neutral, timeless finishes tend to appeal to the widest buyer pool.

Bathroom Improvements

Like kitchens, bathrooms are high-impact spaces. Replacing outdated vanities, installing new fixtures, or retiling the shower can breathe new life into the room. Buyers are drawn to clean, updated bathrooms that feel fresh but not overly personalized.

Flooring Upgrades

Consistent, high-quality flooring throughout the home creates a sense of flow and polish. If your home has a patchwork of flooring styles or worn-out carpet, upgrading to wide-plank engineered hardwood or luxury vinyl plank can go a long way toward making the home feel modern and move-in ready.

Curb Appeal and Entryway Enhancements

First impressions matter. A new front door, updated exterior lighting, landscaping, and even a fresh mailbox can set the tone before buyers even step inside. These relatively low-cost improvements can enhance perceived value dramatically.

Energy-Efficient Upgrades

In today’s market, energy efficiency is more than just a bonus—it’s a selling point. Replacing old windows, installing a smart thermostat, or upgrading insulation can add both value and buyer appeal. These are especially attractive in Burlington, where seasonal temperature swings make energy costs a factor for many homeowners.

Renovations That Often Don’t Pay Off

High-End Customizations

A built-in espresso machine or a wine cellar may suit your tastes, but ultra-personalized features rarely offer a return. Buyers might not share your priorities—or be willing to pay more for them.

Luxury Basement Finishes

A finished basement can be a selling point, but going overboard with high-end finishes may not see a return, especially if the space isn't used frequently. Basic, clean finishes with proper insulation and lighting often strike the best balance.

Swimming Pools

In some cases, a well-maintained pool can attract the right buyer, especially in luxury segments. But for many, it raises concerns about maintenance, safety, and ongoing costs. Unless your home is in a market where pools are the norm, this is often best left as a personal choice for the next owner.

Extensive Landscaping Projects

While curb appeal is key, elaborate landscaping tends to be subjective and difficult to recoup. Simple, well-maintained yards with trimmed hedges, seasonal plantings, and defined walkways usually deliver more impact.

Garage Conversions

Turning a garage into a gym, studio, or extra living space might serve your current needs, but buyers typically want the functionality of a garage—especially in winter. Conversions can reduce the home’s value unless done in a very specific context or neighborhood where such modifications are common.

The Bottom Line: Renovate With Buyers in Mind

When preparing your home for sale, the goal is to appeal to the broadest audience. Renovations should enhance function, comfort, and aesthetic appeal—without alienating buyers who may have different preferences or priorities.

As a local expert who has guided countless Burlington sellers through the preparation process, I can help you assess which updates make sense for your home and your goals. If you're thinking of listing, let’s talk before you swing a hammer—I’ll help you invest where it counts. Thinking of selling your home in Burlington?
Let’s connect for a personalized consultation. I’ll help you decide which upgrades will elevate your home’s value—and which ones you can skip.

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Bank of Canada Holds Interest Rate at 2.75%: What It Means for Burlington Buyers and Sellers

On April 16, 2025, the Bank of Canada announced it will hold its key interest rate at 2.75%, maintaining the current rate to monitor economic uncertainty tied to U.S. tariffs and global trade tensions. While some had expected another rate cut, the Bank chose to pause, citing inflation concerns and the need for more data.

So, what does this mean for the Burlington real estate market? Whether you're buying or selling a home in Burlington, this decision carries important implications for how you should plan your next move.

What the Bank of Canada Rate Hold Means for Burlington Home Sellers

If you're selling a home in Burlington, today’s announcement is good news. After months of declining rates, this hold gives buyers and sellers alike a chance to catch their breath and make informed decisions.

A few reasons why this is a positive signal for sellers:

  • Stable rates build buyer confidence, bringing more people back into the market

  • Burlington continues to face low housing inventory, keeping demand high for well-marketed homes

  • Spring 2025 is shaping up to be an active season—this could be the ideal window to list

  • Serious buyers—many with pre-approvals—are actively shopping for homes in desirable neighbourhoods like Roseland, Shoreacres, and Aldershot

If you’ve been waiting for the right time to list your home, this period of rate stability could be your best opportunity before the market becomes more competitive later this spring.

What the Interest Rate Hold Means for Burlington Home Buyers

For those buying a home in Burlington, the Bank of Canada’s decision provides a window of predictability. While we’re not seeing rates fall further—yet—the pause gives buyers more certainty about their borrowing power.

Here’s why buyers should pay attention:

  • Mortgage rates in Canada will likely remain stable in the short term

  • With rates paused, monthly payment estimates are more predictable for buyers budgeting for a home

  • Locking in a mortgage pre-approval now could help you secure a favourable rate before future changes

  • A more balanced spring market means more inventory may become available, improving your options

  • Burlington buyers with financing in place are in a strong position to negotiate

While we’re not back to ultra-low rates, this phase of the cycle offers a strategic window to purchase before competition heats up again.

Expert Advice for Navigating the Burlington Real Estate Market

The Sandy Smallbone team believes that every market holds opportunity—if you know where to look. The Bank of Canada’s decision to hold interest rates at 2.75% may not be dramatic, but it creates a more balanced and stable environment for both buyers and sellers in Burlington.

Whether you're upsizing, downsizing, or entering the market for the first time, we’re here to guide you with clarity and confidence.

📞 Ready to take the next step? Contact Sandy today for a personalized market update or to get started on your buying or selling journey in Burlington.

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What the Bank of Canada’s Interest Rate Decision Could Mean for Burlington’s Housing Market Amid Trump Tariff Uncertainty

As we await the Bank of Canada's (BoC) interest rate announcement this Wednesday, homeowners, buyers, and sellers in Burlington, especially in sought-after neighbourhoods like Roseland, Shoreacres, and Aldershot, are watching closely. But even a rate cut might not be enough to shake the housing market out of its spring slowdown.

The Canadian real estate landscape is currently grappling with more than just borrowing costs. Uncertainty stemming from renewed trade tensions — specifically U.S. President Donald Trump's surprise imposition of tariffs on Canadian goods — has introduced a wave of economic doubt that’s trickling directly into buyer confidence.

According to industry experts, including Kingsley Ma of RE/MAX Canada, “All the buyers are on the sidelines because of the uncertainty.” It’s not just about mortgage rates anymore. “If you can't pay the bills, it doesn't matter what the interest rate is,” he told Yahoo Finance Canada.

This sentiment is being echoed across the country, but here in southern Burlington, where real estate activity is often driven by move-up buyers, professionals, and retirees downsizing into luxury townhomes or lakeside condos, the market feels particularly frozen. Even those who are financially prepared are pausing — not because they can't qualify for a mortgage, but because they’re unsure what tomorrow might bring.

The Spring Market That Never Was

Typically, April kicks off one of the busiest real estate seasons of the year. But 2025 is shaping up differently. The Canadian Real Estate Association (CREA) reported a 4.4% drop in sales from February to March. Compared to March 2024, national home sales were down 9.3% — the weakest March since 2009. Ontario and British Columbia bore the brunt of the slowdown, though small markets across Canada weren't immune either.

Locally, we're seeing listings linger longer, open houses draw smaller crowds, and motivated sellers make strategic price adjustments to capture dwindling buyer attention.

Even the BoC’s last rate cut in March failed to re-energize the market. With the overnight rate holding at 2.75% (for now), some economists expect another cut — but not everyone agrees it will make a difference.

Fixed vs. Variable: What Burlington Buyers Need to Consider

For Burlington buyers still planning to make a move in 2025, choosing between a fixed or variable rate mortgage is more nuanced than ever. Variable rates have declined in popularity, now accounting for just 20-25% of new home financing, according to mortgage brokers. With fixed rates consistently below 4%, many are opting for the security of predictable payments — especially in uncertain times.

Mortgage brokers suggest that the future holds two plausible scenarios: a significant rate cut if the economy falters, or a potential increase in rates if inflation heats up. Either way, the prudent approach is to understand your own financial comfort zone.

Financial planners are comparing the fixed-versus-variable decision to choosing an investment strategy. “It’s about risk tolerance,” she explains. “If you panic when markets fall, then a variable mortgage may not be for you.”

Renewals: A Silver Lining

The outlook is somewhat more positive for homeowners renewing their mortgages this year. Ho notes that the current rate environment offers a sense of stability — perhaps even relief — compared to the rate spikes of 2023 and early 2024. Renewing into a lower or stable rate can be an opportunity to revisit long-term financial goals.

What's Next for Burlington’s Housing Market?

Here in Burlington — where lifestyle, schools, and proximity to Toronto continue to make our communities attractive — the fundamentals remain strong. But buyer psychology is fragile. Until the tariff situation resolves and broader economic clarity returns, we’re likely to see a “wait and see” approach dominate.

Even if the trade war ends tomorrow, confidence won’t snap back overnight and people will need time to settle in… to build that confidence back up.

For sellers, this means being strategic. Price appropriately, prepare your home meticulously, and work with a REALTOR® who knows how to market your property in a cautious market. For buyers, this could be a rare window of opportunity to negotiate favourably — especially if you're planning for the long term.

Thinking about buying or selling in Burlington? Let’s talk about what’s really going on in your neighbourhood, not just the headlines. I bring luxury service to every client, at every price point. Whether you’re ready now or just exploring your options, I’m here to help.

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Colour Psychology in Home Staging: What Moods Are You Really Selling?

When preparing a home for sale, it’s easy to focus on decluttering, depersonalizing, and adding a few stylish throw pillows—but there's a subtle staging secret that many overlook: colour psychology. The shades you choose for accent walls, décor, and accessories don't just fill a space—they shape how a buyer feels when they step through the front door.

Here’s how to use colour strategically in staging to evoke the right emotions, make spaces memorable, and ultimately help homes sell faster and for more.

Blue: Calm, Trust, and Serenity

Soft blues in bathrooms, bedrooms, or reading nooks tap into a buyer’s subconscious need for calm. Light to mid-tone blues signal stability and serenity, making buyers feel at ease. It’s one of the safest colours in staging, especially when paired with crisp whites or warm wood tones.

Pro tip: A navy blue throw blanket over a cream sofa or powder blue towels in a white bathroom can subtly suggest a peaceful retreat.

Green: Balance, Renewal, and Nature

Green is deeply associated with life, renewal, and health. In staging, it bridges indoor and outdoor elements, particularly in homes with a lot of natural light or garden views. Sage green has become a popular choice for kitchens and offices—it feels fresh but grounded.

Staging hack: Use plants (real or high-quality faux) to infuse natural green. A simple fiddle-leaf fig or a few cascading pothos vines can liven up a sterile space.

Yellow: Optimism and Warmth

Used sparingly, yellow can add a sense of energy and happiness to a room. It’s ideal in kitchens or small dining areas, where you want buyers to imagine cheerful mornings and lively family meals. But beware: bold yellows can overwhelm. Stick to soft butter tones or pops of mustard in art or pillows.

Try this: A yellow ceramic fruit bowl on the kitchen island or lemon-themed artwork can brighten the mood without going full sunflower.

Grey: Sophistication and Versatility

Grey remains a darling of modern staging because it’s neutral without being boring. It conveys a sense of contemporary polish and allows buyers to imagine their own furniture in the space. Warmer greys (greige tones) feel inviting, while cooler tones work well in minimalist, urban properties.

Paint it right: If you're doing an accent wall, opt for a warm grey behind the headboard in the primary bedroom—it adds depth without distraction.

White: Clean, Bright, and Spacious

White is the blank canvas of staging. It reflects light, opens up small spaces, and instantly makes a home feel clean and move-in ready. But it’s not one-size-fits-all. Cooler whites can feel clinical; warmer whites feel soft and welcoming.

Elevate it: Use white as your backdrop, then layer with textural accents like woven baskets, soft throws, and ceramics to add warmth and interest.

Black: Drama and Sophistication

A little black goes a long way. It can add contrast, depth, and elegance, especially in high-end listings or urban condos. Think black matte hardware, a dramatic light fixture, or a bold mirror frame. It creates a sense of luxury without shouting.

Less is more: Don’t paint an entire room black—but a charcoal accent wall in a dining room or study? That’s a statement.

The Psychology of Pairing

Colour doesn’t work in isolation. Successful staging uses colour combinations to build emotional experiences. A living room in white and green feels relaxed and fresh; one in navy and gold suggests classic elegance. Layering tones is what makes a space feel styled—yet still livable.

When buyers walk into a home, they’re not just looking—they’re feeling. They’re imagining mornings with coffee, quiet Sunday afternoons, or dinner parties with friends. Thoughtful use of colour helps tell that story.

In staging, the right colour isn’t always your favourite—it’s the one that sells the lifestyle your buyers are after.

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No, Skipping Your Daily Latte Won’t Buy You a Home in Ontario—Here’s What Might

We've all heard it: “If you just stopped buying fancy coffee every day, you could afford a house.” It’s a tidy piece of advice, but in Ontario’s current real estate market, it’s more fiction than fact.

A recent study by Toronto-based real estate platform Zoocasa puts this common myth into perspective—and the numbers speak volumes. With average home prices across Ontario reaching record highs, the idea that minor lifestyle changes like skipping a $5.19 latte will make a meaningful dent in your down payment is, frankly, out of step with reality.

Let’s break it down.

The True Cost of a Home—And Coffee-Free Living

In the London-St. Thomas region, where the average home now sits at $608,500, a 20% down payment would require $121,700. That means you’d need to save your daily coffee money for 90 years to reach that goal.

It gets even more extreme in Kitchener-Waterloo and Hamilton-Burlington. With average prices of $713,800 and $820,800 respectively, buyers would have to forgo their caffeine fix for 106 years and 121 years just to scrape together a 20% down payment.

And in Toronto, where the average home costs a staggering $1,060,300, the required down payment of $212,060 would take 157 years to save if you relied solely on your latte budget.

More Than Just Coffee: Why Affordability Is So Elusive

While cutting back on discretionary spending can help build financial discipline, it's clear that the affordability crisis in Ontario is about far more than coffee runs. Wage stagnation, persistent inflation, and a severe lack of housing supply all play a significant role in pricing out the average buyer.

Even in more affordable cities like Regina, where the average home costs $321,000, skipping coffee would still require nearly 12 years to save the minimum 5% down payment.

What Can Actually Help?

According to Zoocasa’s report, potential buyers should focus on long-term strategies to reach homeownership. That includes:

  • Setting up automated savings contributions

  • Exploring TFSA or RRSP savings plans for first-time buyers

  • Investing wisely to grow savings over time

  • Working with a trusted REALTOR® to identify affordable markets and buying opportunities

Ontario’s housing market is undeniably competitive—but it’s not insurmountable. Whether you're a first-time buyer or looking to upsize, the right financial plan and professional guidance can go a lot further than sacrificing your daily brew.

So unless you’re prepared to wait until the next century, sip your latte—and let’s talk about a smarter path to homeownership.

Thinking of buying or selling in Burlington, Oakville, or surrounding areas? Let’s connect. I’m here to help you navigate the market with clarity and confidence.

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March 2025 Real Estate Market Report: A New Reality for Burlington & Greater Hamilton

As the calendar turned to spring, many in the real estate community were anticipating renewed buyer energy. Instead, March 2025 delivered a clear message: the housing market across Burlington and the Greater Hamilton Area (GHA) is adjusting — and doing so quickly. Sales have dropped across all major subregions, inventory is climbing, and economic headwinds from international trade tensions and rate changes are reshaping buyer and seller behaviour alike.

This isn’t a short-term blip — it’s a structural shift. And if you’re a homeowner, investor, or buyer trying to make sense of it all, here’s what you need to know.

A Sharp Decline in Sales Despite Spring Momentum

March is historically one of the most active real estate months in Southern Ontario. But this year, the numbers told a different story. According to the latest data from the REALTORS® Association of Hamilton-Burlington, residential sales across the entire RAHB market area fell by 23.5% month-over-month and were down 4.5% year-over-year.

In Hamilton, March sales dropped from 565 in February to just 444 transactions, marking a 21.4% month-over-month decrease and a 6.7% decline year-over-year.

Burlington, part of Halton Region, was hit even harder. March saw only 200 home sales, compared to 327 in February — a staggering 38.8% drop month-over-month, and down 13% year-over-year.

Over in Niagara North, the story was similarly bleak, with sales falling 40.1% compared to the previous month, and 4.6% compared to March 2024.

Even the traditionally robust Toronto market saw a 23% decline in monthly sales. These aren’t just cooling signs — they’re indicative of a shift in the underlying forces of supply and demand.

Listings Are Climbing, Competition is Growing

While buyers pulled back, sellers entered the market in greater numbers. New listings across the RAHB region increased by 19.6% from February, with a total of 1,692 homes listed in March.

In Hamilton, new listings rose by 12.3%. Burlington saw a 22.8% increase, and Toronto listings jumped nearly 30% in just one month. Only Niagara North bucked the trend, with a 13.4% decrease in new listings.

This growing inventory, paired with falling sales, has driven the sales-to-new-listings ratio down to 41.9% — the lowest seen in over a year. For context, anything below 40% is considered a buyer’s market, and while we’re not quite there yet, we’re getting close. Homes are spending more time on the market, and buyers have more choice, leverage, and time to make decisions.

Why Is Demand Dropping? The Economy Is Sending Mixed Signals

While it’s tempting to point to interest rates alone, the current slowdown is more complex. A significant factor affecting buyer confidence in March was the re-escalation of Canada-U.S. trade tensions. The United States, under new executive direction, reinstated tariffs on Canadian aluminium, steel, and other key raw materials — a move that has had a domino effect across the Canadian economy.

These tariffs are especially relevant in Hamilton, where manufacturing and steel production are deeply tied to the local economy. The uncertainty surrounding export demand, job security, and corporate investment has spooked both buyers and developers. Builders are facing higher material costs, causing delays in new housing starts and upward pressure on pricing. For consumers, the perception of economic instability has led many to hold off on major financial decisions, including home purchases.

These conditions are not isolated to Hamilton. The construction sector across Ontario is now facing increased costs on everything from structural framing to HVAC components — all of which affect either the price or timeline of housing delivery. Even in higher-income areas like Burlington, the trickle-down effect of these macroeconomic shifts has eroded market momentum.

The Rate Cut: Too Little, Too Late?

In an effort to provide some economic relief, the Bank of Canada lowered its overnight interest rate by 25 basis points in March, bringing the policy rate to 2.75%. This was the first cut since rates peaked in 2023, and it's aimed at making borrowing cheaper to stimulate homebuying and business investment.

While this is a positive development for affordability on paper, the actual impact in March was limited. Buyers remained cautious, and lenders are still stress-testing applicants at much higher qualifying rates. It’s also worth noting that the rate cut came after the market had already begun to slow. As a result, we didn’t see a sudden influx of buyers returning to the market last month — though we may yet see some momentum build in April and May if confidence returns.

Buyers: A Window of Opportunity Has Opened

For active buyers, this market shift offers potential advantages not seen in recent years. The increase in inventory gives buyers more selection, and sellers who need to move are becoming more flexible on pricing and terms. Multiple offers are becoming rarer, and homes that were once snapped up in days are now sitting on the market for weeks.

With interest rates slightly lower and less competition, this could be a strategic time to buy — especially for upsizers who are less impacted by small shifts in borrowing costs and who can negotiate more aggressively on move-up properties. However, buyers should proceed with clarity. Economic risk still looms, and it’s essential to work with professionals who can help evaluate long-term value, not just short-term deals.

Sellers: The Market Has Changed — So Should Your Strategy

Gone are the days of underpricing and letting the market drive offers skyward. Today’s sellers need to be precise, realistic, and strategic. Overpricing in this market will lead to prolonged time on market and missed opportunities.

Homes that are turnkey, well-maintained, and priced in line with recent comparables are still moving — especially in family-oriented areas of Burlington and established Hamilton neighbourhoods. But even the best product requires marketing, staging, and negotiation expertise. Sellers need to prepare for longer timelines and ensure they are working with agents who understand how to price and position homes in a cooling cycle.

Looking Ahead: April and Beyond

It’s clear that March 2025 marked a turning point in our regional real estate landscape. Whether this is a temporary adjustment or the beginning of a longer rebalancing remains to be seen. Much will depend on whether the Bank of Canada makes further rate cuts, how the federal government responds to U.S. tariffs, and whether consumer confidence can recover heading into the heart of the spring market.

For now, both buyers and sellers in Burlington and Hamilton should proceed with informed caution — and with the help of professionals who know how to navigate markets in flux.


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Why Canada is on the Cusp of a Housing Construction Crisis — and What It Means for Buyers and Sellers

As Canada continues to face an ongoing housing affordability crisis, a lesser-known but growing issue threatens to make the situation even more challenging — a looming shortage of construction workers. For anyone navigating today’s housing market, whether you’re buying, selling, or investing, understanding this crisis is crucial.

The Hidden Threat: A Labour Shortage in Construction

According to industry experts and economists, the Canadian housing market is at a tipping point. The issue? A severe shortage of skilled and general labourers in the construction industry. Without swift and strategic changes, this shortage could drive up housing prices even further in the next decade. The demand for homes is high, but the supply simply can’t keep up — not due to a lack of will, but a lack of workers.

Immigration System Needs to Match Labour Demands

Canada’s immigration system plays a key role in shaping our workforce, but right now, it's geared toward attracting highly educated professionals like engineers and IT specialists — not the unskilled or semi-skilled construction workers who are urgently needed on job sites.

Framers, tile setters, and window and door installers — roles that don’t require certification but are essential to any home build — are in particularly short supply. And with 22% of the construction workforce expected to retire by 2030, the gap is only set to widen.

How This Impacts Home Buyers and Sellers

For buyers, this labour shortfall could translate into:

  • Longer construction timelines

  • Higher prices for new homes

  • Increased competition for existing housing

For sellers, this could mean:

  • Increased value of resale homes, especially those in good condition

  • A potential boost in demand as buyers pivot away from new builds

However, the long-term consequences could also strain infrastructure, delay development projects, and impact overall affordability in urban and rural markets alike.

Regional Programs Show Promise — But Are They Enough?

Provinces like Nova Scotia are stepping up with targeted immigration programs. Their Critical Construction Worker Pilot allows applicants with hands-on experience to bypass traditional education and language requirements. It’s seen success, but experts argue that federal leadership is needed to truly move the needle on a national level.

According to Kevin Lee of the Canadian Home Builders’ Association, “At a time when we have a national housing crisis, we shouldn’t be saying, ‘Let’s let the provincial programs figure it out.’”

The Path Forward

To avoid long-term damage to Canada’s housing affordability goals and infrastructure stability, policymakers must realign immigration pathways with actual labour market needs. This means embracing a more flexible approach to recognizing experience, valuing on-the-job skills, and ensuring immigration policies respond to the full spectrum of economic demand—not just the most credentialed applicants.

Furthermore, there is a growing consensus that Canada must invest more in training programs and incentives for domestic workers, including underrepresented groups, to pursue careers in construction and skilled trades. Encouraging apprenticeship programs, diversifying the labour pool, and modernizing workforce policies will be essential to closing the gap.

Final Thoughts

For homebuyers, developers, and industry professionals alike, the coming decade will be shaped not just by interest rates or economic trends, but by the availability of the workers who physically build the homes and infrastructure Canadians rely on. Without strategic intervention, Canada risks deeper affordability issues and slower progress toward solving its housing shortage.

The time to act is now. A sustainable housing future depends on a construction industry that is fully staffed, adequately supported, and empowered by policies that meet the realities on the ground.

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How to Prepare Your Home’s Exterior for Spring: A Complete Guide

As winter fades and spring approaches, homeowners have the perfect opportunity to refresh their property’s exterior. Whether you’re looking to sell your home this season or simply want to boost its curb appeal, spring maintenance is essential. Harsh winter conditions can leave behind dirt, debris, and damage, making it crucial to assess and restore your home’s outdoor spaces.

Taking the time to clean, repair, and enhance your home’s exterior not only makes your property look beautiful but also prevents costly repairs down the road. From lawn care to power washing, here’s a step-by-step guide to preparing the outside of your home for spring.

Start with a Thorough Yard Clean-Up

Winter often leaves behind fallen branches, dead leaves, and patches of damaged grass. Before making any improvements, start by tidying up your yard. Rake up any debris that has accumulated over the winter, trim overgrown bushes, trees, and hedges to encourage healthy growth, and pull weeds from garden beds and sidewalks. Adding fresh mulch to flower beds will provide nutrients and enhance the overall appearance of your garden. A clean yard is the foundation for great curb appeal.

Revitalise Your Lawn

A lush green lawn is one of the first things people notice about a home. After a long winter, your grass may be in need of some extra care. Aerating the soil helps nutrients, water, and air reach the roots, promoting healthy growth. If you notice bare patches, overseeding those areas will encourage a thick and even lawn. Applying a high-quality spring fertiliser will give your grass the boost it needs to thrive, and regular watering will help it grow strong and green. These small steps can make a big difference in how your home is perceived from the outside.

Power Wash Your Home’s Exterior

Winter weather can leave your home looking dull and dirty. Power washing is an effective way to remove built-up dirt, mildew, and grime from your siding, walkways, driveway, and deck. If you don’t have a power washer, consider renting one or hiring a professional to do the job. A freshly cleaned exterior can make your home look years newer and more inviting to visitors or potential buyers.

Inspect and Clean Your Gutters

Your gutters play a crucial role in protecting your home from water damage. Over the winter, they may have become clogged with leaves, twigs, and other debris. Cleaning out your gutters ensures proper water drainage and prevents overflow, which can cause damage to your foundation, siding, and landscaping. While cleaning, check for any sagging or damaged sections that may need repairs. Taking care of your gutters now will save you from costly issues later in the year.

Refresh Your Front Entrance

Your front door is one of the most important focal points of your home’s exterior. A fresh coat of paint in a bold or classic colour can completely transform the look of your entryway. Updating your house numbers, replacing worn-out doormats, and adding a seasonal wreath are all simple ways to enhance your home’s curb appeal. Also, ensure your porch lighting is clean and functioning properly, as good lighting creates a warm and welcoming atmosphere.

Assess Your Roof and Siding

Your roof and siding take a beating during the winter months, and minor issues can quickly become costly repairs if left unchecked. Inspect your roof for missing, cracked, or curling shingles that could lead to leaks. Check your siding for cracks, holes, or peeling paint. If you notice any moss or mildew, cleaning it early can prevent long-term damage. If you suspect any major issues, consider hiring a professional to conduct a thorough inspection.

Upgrade Your Outdoor Living Spaces

With warmer weather on the horizon, it’s time to prepare your outdoor spaces for entertaining and relaxation. Start by cleaning and refreshing outdoor furniture. If you have a deck, staining or sealing it will help protect it from wear and tear. Adding potted plants, flowers, and comfortable seating arrangements can transform your backyard into a peaceful retreat. A well-maintained outdoor space not only enhances curb appeal but also adds to the overall enjoyment of your home.

Improve Outdoor Lighting and Security

As the days get longer, it’s important to ensure your outdoor lighting is in top shape. Replace any burned-out bulbs in porch lights, garage lights, and pathways. Consider installing solar-powered garden lights to illuminate walkways or motion-sensor lights for added security. If you have a security system or smart doorbell, check that everything is working properly. A well-lit exterior makes your home feel safer and more inviting.

Final Thoughts: Get Your Home Spring-Ready

Spring is the perfect time to enhance your home’s exterior, whether you’re planning to sell or simply want to enjoy a fresh and welcoming property. By following these steps, you’ll not only boost curb appeal but also prevent future maintenance headaches.

If you’re thinking about selling your home this spring, our expert real estate team is here to help. Reach out to us today to learn how we can help you maximise your home’s value and get it ready for the market.

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Hamilton’s Vacant Unit Tax: What Property Owners Need to Know

As housing affordability continues to be a growing concern in many Canadian cities, Hamilton has introduced a Vacant Unit Tax (VUT) to encourage the better use of residential properties. Designed to reduce the number of empty homes and increase the supply of available housing, the tax applies to properties that remain vacant for more than six months in a calendar year.

For homeowners, this new tax introduces both financial implications and reporting requirements, making it essential to understand how the policy works, whether it applies to your property, and what the potential ramifications might be.

What is the Vacant Unit Tax?

The Vacant Unit Tax (VUT) is a new levy that applies to residential properties that are left vacant for more than 183 days (six months) in a calendar year. The City of Hamilton introduced this tax in an effort to:

  • Increase the supply of rental and for-sale homes

  • Discourage housing speculation and long-term vacancies

  • Generate revenue for affordable housing initiatives

Hamilton’s approach aligns with similar policies already implemented in other Canadian cities such as Toronto and Vancouver, where vacant home taxes have been used as a tool to address housing shortages.

Who Does the Tax Apply To?

The VUT applies to all residential property owners in Hamilton. Every owner must submit an occupancy declaration each year, confirming whether their property was occupied, rented, or left vacant.

A property is considered vacant if it was unoccupied for more than six months within a single calendar year unless it falls under one of the city’s exemptions.

Exemptions to the Vacant Unit Tax

While the tax applies broadly, certain situations allow a property owner to be exempt, including:

Death of the property owner – If the registered owner has passed away, the property may be exempt while estate matters are settled.
Major renovations – If a property is undergoing significant construction that makes it uninhabitable, it may qualify for an exemption.
Medical reasons – If the owner has been admitted to a hospital, long-term care facility, or similar institution for extended medical care.
Legal disputes – If the property is involved in an ongoing ownership dispute, such as divorce or estate litigation.
Transfers of ownership – If the property has been recently sold, it may be exempt for the first year.

Homeowners seeking an exemption must provide documentation proving their eligibility.

How Much is the Tax?

The tax is set at 1% of the property’s assessed value, as determined by the Municipal Property Assessment Corporation (MPAC).

For example:

  • If a property is assessed at $500,000, the tax would be $5,000 per year if it remains vacant beyond the allowable period.

  • A $750,000 property would be subject to a $7,500 tax.

This financial burden is meant to deter owners from leaving properties empty when they could be made available for rent or sale.

Annual Declaration Requirement

One of the most critical aspects of the Vacant Unit Tax is the annual declaration requirement. Every property owner in Hamilton must file a property occupancy declaration, even if their home is occupied year-round.

How to Submit Your Declaration

Online Portal – The City of Hamilton provides an official online system for submitting declarations.
Mail-in Form – Property owners can submit a paper declaration by mail before the annual deadline.

Failure to submit a declaration may result in the property being automatically deemed vacant, meaning the owner could be subject to the 1% tax penalty even if the property was occupied.

Ramifications of the Vacant Unit Tax

The implementation of the VUT has both intended and unintended consequences, affecting homeowners, renters, and the real estate market as a whole.

1. Financial Impact on Homeowners

For those who own multiple properties or vacation homes, the tax could introduce a significant financial burden. Homeowners who keep properties vacant for personal use may find themselves paying thousands of dollars in taxes unless they rent out or occupy their homes for at least six months each year.

Additionally, failing to submit the required declaration can result in penalties, further increasing costs for non-compliant property owners.

2. Potential Increase in Rental Housing Supply

One of the key goals of the tax is to push vacant properties into the rental market, thereby increasing the supply of available housing and helping to ease the rental crisis in Hamilton. If successful, this could lead to lower rental prices and greater housing availability for tenants.

3. Impact on Real Estate Speculators

The VUT could discourage housing speculation, as investors who buy properties without the intention of renting or occupying them will face additional costs. Over time, this may result in more homes being sold, potentially stabilizing housing prices in Hamilton.

4. Administrative Challenges and Compliance Issues

Like any new tax policy, the VUT introduces an administrative burden on both the City of Hamilton and property owners. The city will need to process thousands of declarations annually and investigate potential cases of non-compliance or false reporting.

For homeowners, failing to file a declaration or misunderstanding the rules could lead to unintended tax penalties.

Final Thoughts: What Should Property Owners Do?

Hamilton’s Vacant Unit Tax is a significant policy change aimed at reducing the number of empty homes and increasing housing availability. While its long-term effectiveness remains to be seen, it’s essential for homeowners to stay informed and take action to avoid unnecessary penalties.

Key Takeaways

All residential property owners must file an annual occupancy declaration – failure to do so could result in a tax bill.
Properties vacant for more than six months will be taxed at 1% of their assessed value.
Exemptions exist, but owners must provide supporting documentation.
The tax aims to increase housing supply, discourage speculation, and generate revenue for affordable housing.

To stay compliant, property owners should:
🔹 Mark their calendars for declaration deadlines
🔹 Keep records of property occupancy and exemptions
🔹 Seek professional advice if unsure about their tax obligations

By taking these steps, homeowners can avoid costly penalties while ensuring they remain in compliance with the City of Hamilton’s regulations.

If you own a property in Hamilton, now is the time to prepare! Visit the city’s official website or consult a tax professional to make sure you understand your responsibilities under the Vacant Unit Tax.

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