By: Matthews Tim

A debated topic amongst REALTORS is often: "Is it a good idea for sellers to get a pre list home inspection?" In my mind it is. 

Here are all the benefits of doing one: 

  1. Identifying Issues Early: A pre-listing inspection can uncover any potential issues or repairs that might be needed before you put your home on the market. This gives you the opportunity to address these problems in advance, rather than being surprised by them after a buyer makes an offer and conducts their own inspection.

  2. Pricing Accuracy: Knowing the condition of your home can help you and your real estate agent price it more accurately. If there are fewer issues to worry about, you can justify a higher asking price. Conversely, if there are significant repairs needed, you can account for that in your listing price.

  3. Enhancing Buyer Confidence: Providing a pre-listing inspection report to potential buyers can increase their confidence in the condition of the home and in the transparency of the transaction. This can make your home more attractive compared to other listings and may reduce the likelihood of negotiations being derailed by surprises during the buyer's inspection.

  4. Streamlining the Sale Process: By addressing issues upfront, you can help ensure a smoother sales process. Buyers are less likely to request repairs or concessions if they know about the condition of the home from the start, potentially leading to a quicker closing.

  5. Reducing Stress: Knowing exactly what you're selling can reduce the stress and anxiety of the selling process. It minimizes the chances of last-minute negotiations or demands from the buyer to fix certain issues before the sale can proceed.

As a seller, it can be stressful waiting around to hear how the home inspection went, and frustrating for a deal to die, or to receive a list of repairs requested by the buyer based on things found in an inspection. If the market is down, it makes sense to get one to know what you are looking at, and make the repairs beforehand.

By: Matthews Tim

As you navigate the decision of renewing your mortgage or contemplating homeownership in 2024, it's essential to recognize the impact your mortgage choice could have on your financial landscape—potentially saving or costing you a considerable amount of money. It's important to start looking into this early, and avoiding any last-minute rush. 

In a detailed conversation with Tina Robins, a respected local mortgage expert, we delved into several crucial considerations that might be helpful for those facing a renewal in 2024. 

  1. Get a second opinion: Simply accepting your existing lender's renewal rate without scrutiny could be a missed opportunity for savings. Engaging in thorough market research and seeking a second opinion are fundamental steps in securing the most advantageous deal.

  2. Look at ALL the terms: It's imperative to look beyond the interest rate. Delve into the specifics, such as penalties for early mortgage termination, options for lump-sum payments, and the possibility of transferring your mortgage. Notably, non-major lenders may offer more lenient penalties for breaking a mortgage agreement.

  3. Consider a shorter term fixed, or go variable: With expectations leaning towards a decrease in rates in the forthcoming years, considering a shorter-term fixed-rate mortgage could be advantageous. This option would save you from paying the high rate over 5 years, and allow you to take advantage of lower rates in a couple years if they do indeed come down.  For those with higher risk tolerance and can handle higher payments if rates do increase, there could be major benefits to opting for a variable rate. Make sure you talk about these options with a professional. 

  4. Look at other lenders besides the big banks: Exploring options beyond traditional banks can unveil more competitive rates and less prohibitive buyout penalties, offering a broader landscape of financial opportunities.

  5. Addressing Payment Challenges: If you find yourself struggling with mortgage payments, engaging in dialogue with your lender about extending the amortization period can provide much-needed relief.

It is so important to seek professional advice and start the process early.  For those looking to further explore these avenues or to connect with Tina Robins for expert guidance, visit Tina Robins' website at

Watch The video with Tina here: 

By: Tim Matthews

Nestled in the heart of Ontario, Grey Bruce County is a haven for nature enthusiasts, boasting a diverse landscape of lush forests, pristine lakes, and captivating waterfalls. If you're a fan of chasing waterfalls, you're in for a treat as we explore the top waterfalls that grace the scenic beauty of Grey Bruce County.

1. Inglis Falls

Located just outside of Owen Sound, Inglis Falls is a stunning cascade that plunges 18 meters over the Niagara Escarpment. Surrounded by a beautifully landscaped park, this waterfall provides an excellent backdrop for picnics and hiking. The Inglis Falls Conservation Area offers various trails, allowing visitors to explore the natural beauty that surrounds this majestic waterfall.

  Map and More Info

2. Eugenia Falls

Nestled in the village of Eugenia, Eugenia Falls is a powerful 30-meter waterfall that is a must-see for any waterfall enthusiast. The waterfall is situated in the Eugenia Falls Conservation Area, providing visitors with scenic trails and viewpoints. The combination of the rushing water and the picturesque surroundings makes Eugenia Falls a popular destination throughout the year.

  Map and More Info

3. Jones Falls

Situated in Owen Sound, Jones Falls is a hidden gem that cascades gracefully over the escarpment. Try out the many trails surrounding the Falls. The natural beauty of Jones Falls, coupled with its tranquil atmosphere, makes it a peaceful retreat for visitors seeking a connection with nature.

  Map and More Info

4. Indian Falls

Found in the Indian Falls Conservation Area, Indian Falls is a serene waterfall that captivates with its picturesque setting. Near the parking area, enjoy time at the playground, tennis courts and baseball diamond.¹ Surrounded by lush greenery and the soothing sound of flowing water, Indian Falls is an excellent spot for relaxation and reflection.

  Map and More Info

5. Sauble Falls

Sauble Falls, located on the Sauble River, offers a unique waterfall experience. While not as towering as some others in the region, its broad cascade and the surrounding natural beauty make it a popular destination for locals and tourists alike. The Sauble Falls Provincial Park provides opportunities for camping, hiking, and enjoying the scenic wonders of the area.

  Map and More Info

6. Hogg's Falls

Situated near Flesherton, Hogg's Falls is a stunning cascade surrounded by a lush forest. The falls are accessible via a short hike, and the natural beauty of the area makes it a popular spot for photography and relaxation.

  Map and More Info

7. McGowan Falls

Found in Durham, McGowan Falls is a picturesque waterfall that flows over a rocky ledge. The falls are part of the McGowan Falls Conservation Area, providing visitors with trails and viewpoints to enjoy the serene surroundings.

  Map and More Info

8. Duncan Crevice Caves

While enjoying a hike along the 10.5 km loop trail at the Duncan Crevice Caves take in the beauty of two waterfalls. Because of the split limestone along the trail, you can also adventure through tunnels, grottos and other passageways. This is one of the lesser known waterfalls in Grey Bruce, but is a popular spot to visit as it provides a variety of waterfalls, caves and beautiful views.²

  Map and More Info

9. Weavers Creek Falls

Located near Owen Sound, Weavers Creek Falls is a series of beautiful cascades along Weavers Creek. The falls are easily accessible, making them a great stop for those exploring the region.

  Map and More Info

10. Walter's Falls

Situated near the village of Walter's Falls, this waterfall offers a peaceful retreat surrounded by nature. The water fall is on private property, but the trails and viewing area are free to access.³

  Map and More Info

Grey Bruce is a haven for waterfall enthusiasts, offering a diverse range of cascades surrounded by breathtaking landscapes. Whether you're seeking adventure, tranquility, or a perfect family outing, the waterfalls in this region provide a natural escape that showcases the beauty of Ontario's wilderness. As you explore these falls, you'll not only witness the power of nature but also create lasting memories in one of Canada's most picturesque regions. So, pack your hiking boots, grab your camera, and get ready to immerse yourself in the natural wonders of Grey Bruce County's captivating waterfalls.

¹ (n.d.). Indian Falls Conservation Area- Grey Sauble Conservation Authority. Grey Sauble Conservation. Retrieved January 15, 2024, from

² (n.d.). Free Falling- Waterfall of Grey and Bruce Counties. Georgian Bay Living Escarpment Magazine. Retrieved January 22, 2024, from

³ (n.d.). Walters Falls. South Georgian Bay Tourism. Retrieved January 22, 2024, from

By: Matthews Tim

Better Dwelling: Canadian Mortgage Rates May Resume Climb As Bond Yields Surge

Article Summary: 

  • Bond yields had dropped from a peak of 4.41% to 3.17% at the end of the year.

  • The decline in bond yields was expected to keep mortgage rates low.

  • Bond yields are now rising rapidly due to inflation expectations.

  • The Government of Canada 5-year bond yield opened at 3.5%, up by 0.23 points in a week.

  • It's uncertain if this trend will continue, but it may prevent further declines in mortgage rates in the near term.

Jan 15, 2024

Bank of Canada surveys show inflation expectations are coming down 

Article Summary: 

  • Bank of Canada surveys show decreasing inflation expectations.

  • Higher interest rates help ease inflation and slow price increases for businesses.

  • Consumers see lower inflation for goods but expect higher inflation for services like rent.

  • Persistent wage growth may keep inflation above the central bank's target.