Purchasing a Home in the Current Market

 The recent market slowdown has created unique opportunities for buyers. With improved conditions for negotiation, decreasing fixed mortgage rates, and the potential to leverage mortgage portability, now is an ideal time to consider
purchasing a home. Let’s explore the advantages of today’s market and how you can make the most of them.

 Purchasing a home in the current market

In September there was a lot of talk on the return of the real estate summer slowdown. I addressed the concern and panic among some sellers in my  newsletter, and how this shift is an integral part of the ever-evolving real estate landscape. This volume will focus on the advantages of being a purchaser in the current market.


Healthy Market Stability: While the market's pace may have slowed down, it’s important to recognize that this is a sign of a healthy and balanced market. Buyers now have the opportunity to conduct thorough due diligence before finalizing a property purchase. Conditions like financing, inspections, and sale of property are back in play, allowing buyers to make informed decisions.


Fixed Interest Rates: The topic of interest rates has recently experienced day-to-day fluctuations. With the Bank of Canada bond yields decreasing this week, we anticipate a continued reduction in fixed mortgage rates. It's important to note that bond yields and fixed mortgage rates have a direct connection. Meaning when bond yields lower, fixed interest rates decrease. Although lenders have begun to reduce their fixed rates, the decrease is not as significant as the fall in bond yields. Current rates for an insurable 5-year fixed are 5.75%. Lenders rates tend to take the elevator on the way up and the stairs on the way down. Overall this is excellent news for anyone with a mortgage renewal approaching in the near future.

 

Your Current Mortgage: This is a crucial topic that may determine whether now is the right time to make a move. Some mortgages are portable (check with your mortgage agent to confirm if yours is). If this is the case, you will be able to transfer the remaining balance of your mortgage to another property, while the amount above and beyond is calculated at today's rate. This might be a great time for you to make a move. Why? The majority of purchasers are qualifying their entire mortgage at today's rate. This means that your transferable mortgage enhances the overall affordability. You might be wondering, "What happens when I have to renew my mortgage?" Well, we can't predict the future, but based on reports from the Bank of Canada and major Canadian banks, both fixed and variable mortgage rates are expected to continue to decrease in the foreseeable future.


Strategies for Sellers: After considering the information above, you may be thinking this is a good opportunity. It's important to remember that homes are not selling as quickly as they once were. Now, more than ever, it's crucial to price your property correctly and market it effectively.


Correct Pricing: Analyzing recent sales and market trends to determine a competitive and realistic asking price for your property is crucial in this market. Pricing your home in line with market conditions can help attract more buyers, reduce the time to sell, and make the selling process less stressful.


Staging and Presentation: Having an agent who invests in home staging and presentation is important. A well-staged home can make a significant difference in attracting potential buyers, even in a slower market.


Effective Marketing: Ensure your property is well-marketed, both online and offline. High-quality photos, detailed listings, and targeted marketing strategies can make your home stand out and attract more showings.


Flexibility: Be open to negotiations and flexible with terms. Consider offers that may involve a slightly longer closing period or other concessions to make your property more appealing.

In conclusion, the shifts in the market have opened up many excellent opportunities for individuals and families looking to make a move. With the right strategies and guidance, both buyers and sellers can confidently navigate these changes and successfully transact in the Guelph real estate market.

Here at the Hudson Smith Real Estate Group, we are committed to providing you with the best advice and support for all your real estate needs. We understand the local market intricacies and tailor our services to your unique needs.


If you have any questions about Guelph and the surrounding market, don't hesitate to reach out. We're here to assist you at every step of the journey.

Written by: Mathew Scott, Sales Representative

By Hudson Smith October 16, 2025
When it comes to selling your home, first impressions aren’t just important — they’re everything. In today’s market, buyers form opinions within seconds of walking through the door (or scrolling through photos online). That’s where home staging comes in — the subtle art of helping buyers see themselves living in your home. What Is Home Staging, Really? Home staging goes far beyond decorating. It’s about creating an emotional connection. A professional stager uses layout, lighting, colour, and accessories to highlight your home’s best features while minimizing distractions. Every detail — from the placement of a chair to the tone of a wall — is chosen with intention. At Hudson Smith Real Estate Group, we’ve seen time and time again how the right staging transforms a space. A well-staged home doesn’t just look beautiful; it photographs beautifully, feels inviting, and draws in buyers who are ready to act. The Impact on Buyer Perception Staging helps buyers picture themselves in the home — not your home, but their potential one. Neutral palettes, uncluttered surfaces, and strategic furniture placement make rooms feel larger, brighter, and more functional. According to industry studies, over 80% of buyers say that professionally staged homes make it easier to visualize the property as their future home. That emotional pull is what often leads to quicker offers and stronger sale prices. The Financial Payoff It’s natural to wonder if staging is worth the investment. The numbers say yes: Staged homes typically sell up to 73% faster than unstaged ones. They can sell for 6–10% more on average, easily covering the cost of staging. Even partial staging — such as main living areas and primary bedrooms — can dramatically improve online engagement and showings .Think of it like preparing your home for its debut performance: the better the presentation, the bigger the audience response. Online Appeal in a Digital World Most buyers start their search online, meaning your listing photos are the first showing. A staged home captures attention instantly — bright, balanced, and visually appealing. Combined with professional photography and video, staging ensures your home makes a lasting first impression — one that stops buyers mid-scroll and makes them want to see more. Our Approach at HSG We work closely with trusted stagers and stylists who understand how to enhance a home’s personality while keeping it universally appealing. Whether it’s a minimalist downtown condo or a sprawling family home, our goal is to highlight what makes each property shine. Of course, we’ll have our stager come to your home and make sure it’s picture-perfect — a complimentary service included when you list with our team. Every listing tells a story — staging helps make sure it’s the story buyers want to hear.
By Hudson Smith October 2, 2025
Guelph has long been known as one of Ontario’s most welcoming and community-driven cities, and it’s no surprise that families continue to choose it as home. With excellent schools, plenty of green space, safe streets, and a strong sense of community, Guelph offers a wide variety of neighbourhoods suited to families at every stage of life. If you’re thinking of making a move in 2025, here are some of the best family-friendly neighbourhoods in Guelph to explore. 1. Westminster Woods & Clairfields South Guelph’s Westminster Woods and Clairfields areas are consistently top picks for families. With extensive trails, nearby parks, and highly regarded schools like Westminster Woods Public School, it’s a safe, vibrant community where kids can walk or bike to friends’ houses. Plus, you’re close to shopping at Clairfields Commons and have quick access to Highway 401 for commuters. 2. Kortright Hills Nestled in Guelph’s south end, Kortright Hills is loved for its quiet, winding streets, mature trees, and larger lot sizes that give families room to spread out. The neighbourhood backs onto plenty of green space and trails, making it easy to enjoy nature right outside your door. With Kortright Hills Public School at its heart, it’s a true family-oriented community where kids can walk to school and neighbours know each other by name. 3. Exhibition Park For those who love character homes and community charm, Exhibition Park is a gem. Centered around its namesake park — complete with tennis courts, splash pad, playgrounds, and green space — this neighbourhood combines history with walkable access to downtown. Families love the sense of community and the chance to be steps away from Guelph’s best festivals, markets, and schools. 4. Kortright East & Kortright West South of the city’s core, Kortright East and West are two of Guelph’s most popular family neighbourhoods. Kortright East is known for its larger executive homes on mature lots, while Kortright West offers a wider mix of housing styles, from established properties to newer builds. Both neighbourhoods give families easy access to schools, shopping at Stone Road Mall, the University of Guelph, and plenty of trails and green space. 5. East End One of Guelph’s fastest-growing areas, the East End is an excellent option for families seeking more affordable housing without sacrificing amenities. With schools, parks, and community centers built into the neighbourhood design, it’s a hub for young families. Ongoing development also means new amenities are constantly being added, making it a great place to plant roots for the future. Why Families Love Guelph No matter where you choose, Guelph offers families: Top-rated Public and Catholic schools An active sports and recreation culture Abundant parks, trails, and green spaces Safe neighbourhoods with strong community pride Quick connections to the 401, Kitchener-Waterloo, and the GTA Thinking About a Move in 2025? At the Hudson Smith Group, we know that the right neighbourhood is just as important as the right home. Whether you’re looking for quiet streets, walkability, or the best schools, our team can help you find a community that fits your family’s lifestyle. 📩 Reach out today to start your search in Guelph’s most family-friendly neighbourhoods.
By Hudson Smith September 18, 2025
Fall in Guelph is something special. The air turns crisp, the leaves explode in colour, and there’s a little extra magic in everyday routines. Whether you’re looking for family-friendly fun or quiet moments to soak in the season, here are eight cozy fall activities to enjoy around Guelph and beyond. 1. Pick the Perfect Pumpkin Head out to Strom’s Farm & Bakery or nearby patches to find that perfect pumpkin. From corn mazes to wagon rides, pumpkin patches are the ultimate fall day out. 2. Wander Through the Farmers’ Market The Guelph Farmers’ Market is brimming with autumn’s best: apples, squash, pies, and preserves. It’s a foodie’s dream and a great way to support local growers. 3. Sip & Stay a While at a Café Fall and lattes go hand in hand. Curl up at Found Coffee, Balzac’s, or Red Brick Café and try a seasonal drink — from pumpkin spice to chai — while enjoying the cozy atmosphere. 4. Hike Among the Fall Colours Guelph’s trails shine this time of year. Explore Preservation Park, the Arboretum, or Royal Recreation Trail to enjoy a canopy of brilliant fall leaves. 5. Take a Scenic Drive If you’re up for a mini road trip, cruise through Wellington County backroads or head toward Elora and Fergus for breathtaking fall scenery. Pack a thermos of cider and make it a day. 6. Visit a Local Winery or Brewery Savour the season with a glass of something local. Wineries and craft breweries around Guelph often release small-batch fall flavours that pair perfectly with cozy evenings. 7. Get Lost in a Corn Maze Challenge yourself to one of the region’s corn mazes (like Strom’s). It’s a fun, interactive way to spend a crisp afternoon — and kids love it too. 8. Have a Cozy Night In Don’t underestimate the simple joy of fall at home. Light a candle, bake something sweet, and curl up under a blanket. Sometimes the coziest activity is staying put. Fall in Full Swing With so many ways to embrace the season, fall in Guelph is all about making memories. From outdoor adventures to simple comforts at home, there’s something for everyone to enjoy. Thinking of a new home to cozy up in this fall? Our team at the Hudson Smith Group is here to help you find the perfect place. Get in touch with us today to start your next move.
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