September always feels like a fresh start. Kids are back in school, routines are settling in, and for many, it’s a time to revisit goals that may have been on hold during the busy summer months. If buying or selling a home in Collingwood or Southern Georgian Bay is part of your vision, now is the perfect time to put your real estate plans into motion.
Over the past few months, I’ve definitely noticed — and the stats confirm — that buyers are coming off the sidelines and making moves in the Southern Georgian Bay real estate market. Activity has picked up, I’ve been busier, and I’m predicting another strong fall sales market (traditionally my busiest time of year).
While experts remain somewhat split on the timing of rate cuts in 2025, most forecasts suggest two reductions — likely in September and December — which could bring the overnight rate down to around 2.25% by year-end. Of course, that’s dependent on factors like inflation and global trade tensions, but even the possibility of easing rates has been enough to spark new interest among motivated buyers.
To help you prepare for your next move, I’ve pulled together a collection of resources on my website designed to make the process smoother:
- Mortgage Calculator – Estimate what you can afford before you start shopping.
- Land Transfer Tax Calculator – Understand the costs of purchasing in Ontario.
- CMHC Insurance Costs – See how mortgage insurance might affect your payments.
- Step-by-Step Buying Guide – Break down the process into clear, manageable stages.
- Condominium Buyer’s Guide – A must-read if you’re considering a condo.
- Home Ownership Incentives – Learn about government programs that may apply to you.
- Household Budget Worksheet – Build a realistic budget to stay on track.
These tools are free to use and are designed to give you clarity as you plan your next move. Real estate is about more than just searching listings — it’s about being prepared, informed, and confident in your decisions.
As an award-winning broker with over two decades of experience, I’m here to guide you every step of the way. If you’re ready to refocus on your real estate goals this September, let’s connect. Together, we can make sure your next move in Southern Georgian Bay is a smart and successful one.
