Bank of Canada Keeps Policy Rate Unchanged at 2.75%

The Bank of Canada has left its overnight interest rate target at 2.75%. This marks the third consecutive meeting the Bank has kept rates on hold, in part due to ongoing U.S. trade policy negotiations and the threat of new sector-specific tariffs. Despite these challenges, the Bank noted that “In Canada, U.S. tariffs are disrupting trade, but overall, the economy is showing some resilience so far. After robust growth in the first quarter of 2025, driven by a pull-forward in exports to get ahead of tariffs, GDP likely declined by about 1.5% in the second quarter.”

“With uncertainty still elevated, the Canadian economy showing resilience, and ongoing pressures on underlying inflation, Governing Council decided to hold the policy interest rate unchanged,” the Bank’s announcement stated. “We remain focused on ensuring that Canadians continue to have confidence in price stability during this period of global upheaval. We will support economic growth while ensuring inflation remains well controlled.”

For buyers and sellers, this decision offers a measure of stability heading into late summer. Variable-rate mortgage holders won’t see any changes for now, as the Bank remains cautious. However, ongoing economic uncertainty could continue to weigh on consumer confidence and the housing market in the months ahead.

Bank of Canada’s 2025 Policy Interest Rate Announcement Schedule

Bank of Canada announces its decision for the overnight rate target eight times a year, typically on a Wednesday. The schedule for 2025 is as follows:

  • Wednesday, January 29
  • Wednesday, March 12
  • Wednesday, April 16
  • Wednesday, June 4
  • Wednesday, July 30
  • Wednesday, September 17
  • Wednesday, October 29
  • Wednesday, December 10

Read the full interest rate announcement below:

The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%.

While some elements of US trade policy have started to become more concrete in recent weeks, trade negotiations are fluid, threats of new sectoral tariffs continue, and US trade actions remain unpredictable. Against this backdrop, the July Monetary Policy Report (MPR) does not present conventional base case projections for GDP growth and inflation in Canada and globally. Instead, it presents a current tariff scenario based on tariffs in place or agreed as of July 27, and two alternative scenarios—one with an escalation and another with a de-escalation of tariffs.

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Home insurance in Canada is facing growing pressure as climate risks continue to rise. According to the Insurance Bureau of Canada, summer 2024 brought over $7 billion in insured weather losses, the highest for any summer on record. Floods overwhelmed Toronto and Montréal. Fires scorched thousands of hectares in Alberta and B.C. Meanwhile, premiums have surged, deductibles have climbed, and in some regions, coverage has been reduced or removed entirely. A recent survey found that 74 percent of Canadians are now concerned that climate change is making insurance unaffordable. The fear is real, and for many, the financial impact has already arrived.

But the bigger issue is that many homeowners still don’t know what their coverage includes until it’s too late. Canada home insurance policies often contain coverage gaps, hidden exclusions, rising deductibles, and stricter requirements that have become common across provinces. If you haven’t reviewed your policy with today’s weather risks in mind, you’re likely underprotected. We show you what to check so your home insurance Canada policy protects you when the next storm hits.

Ask What’s Excluded

Many homeowners assume that if they pay their insurance bill, they’re protected from anything nature throws at them. But policies are structured around exclusions, and most Canadians don’t realize how many weather-related threats are not covered by default. Overland flood coverage is often missing unless you specifically add it. Sewer backup requires a separate endorsement. Damage from gradual water seepage, shifting soil, or even frozen pipes can be denied if the insurer determines the cause to be long-term wear or lack of maintenance. Some providers also limit claims based on where the water came from, such as surface runoff versus rising groundwater. These are key issues for anyone asking, Does home insurance cover weather damage? Without clear knowledge of what’s excluded, you may find yourself stuck with the full cost of repairs even after a major weather event.

Check How Your Deductible Changes with the Type of Damage

Deductibles are not fixed amounts across the board. In many Canada home insurance policies, the amount you must pay out-of-pocket varies depending on the cause of the damage. This has quietly become common in higher-risk areas. Water damage, for example, may carry a much higher deductible than theft or fire. If you’re in a flood-prone area, your flood insurance deductible may have increased over time without you noticing. In some cases, the deductible can exceed the cost of the damage, making your coverage practically useless. Many homeowners only discover this during a claim, when it’s too late to make changes. You should know the exact deductible for every type of event your home might face and ask your broker to explain how those figures were set.

Treat Your Annual Renewal as a Full Policy Review

Insurance renewals are not routine anymore. What used to be an auto-renewal has become a moment of quiet change for many Canadians. Premiums can increase without explanation, but more importantly, coverage limits and endorsements can be reduced or removed. Some Canada home insurance providers are now adjusting terms based on claims data from your postal code, not just your individual history. This means you could lose coverage for sewer backup or have limits capped if others in your neighbourhood have had repeated claims. In some cases, insurers insert new conditions, such as requiring you to install certain equipment before maintaining full protection. These changes are often buried in policy documents or listed in technical language. Always read your renewal documents line by line, and treat them like a financial audit of your home insurance Canada policy.

Understand When Your Home Is Considered High Risk

You don’t need to live on a riverbank or in the forest to be flagged as high risk. Insurers now classify properties based on detailed risk models that consider slope, vegetation, soil type, drainage, and historical claim data in your exact area. If your home is in a region that’s had multiple weather-related claims in the past few years, you could be facing new restrictions even if your property has never been damaged. High-risk classification can mean higher premiums, higher deductibles, or partial coverage. In some cases, certain types of protection, such as flood insurance, may no longer be available at all. When this happens, the value of your home can drop, especially if buyers cannot find adequate insurance. If you suspect your area is becoming harder to insure, talk to a broker before your options shrink further.

Take Risk Reduction Seriously if You Want Coverage to Stay

Insurers are not just raising prices; they’re shifting responsibility back to homeowners. In order to keep certain types of protection, you may now be required to take specific preventative steps. Installing a sump pump or a backwater valve may be mandatory in some regions before your policy will include flood insurance. In wildfire-prone areas, insurers may ask about the materials used in your roof, siding, or landscaping. These requirements are rarely spelled out unless you ask, but failing to meet them can result in a denied claim. Investing in preventative measures not only protects your home, it keeps you eligible for full coverage when other homeowners around you may be cut off.

Be Ready to Prove the Condition of Your Home

When a storm or flood hits, insurers deal with hundreds or even thousands of claims at once. Processing delays are common, and missing or unclear documentation is a major cause of hold-ups and disputes. Insurers want proof not just of the damage, but of the condition of your home before the event. They may also ask for receipts or service records to confirm you maintained the property properly. If you’ve recently upgraded your roof, repaired your foundation, or installed a mitigation system, you need records ready to show it. In many cases, claims are delayed or reduced because homeowners cannot prove the pre-damage condition of the home. These steps matter whether you’re dealing with fire, wind, or water, and especially when making a claim related to flood insurance.

Work With a Real Estate Agent Who Knows the Risks Beyond the Listing

Online listings won’t tell you if a neighbourhood has a history of basement flooding, wildfire evacuation, or poor drainage. If you’re wondering, does home insurance cover weather damage, the answer often depends on location, and those risks aren’t obvious at first glance. A local real estate agent can spot red flags. This includes low-lying lots, outdated infrastructure, or proximity to areas more exposed to weather-related risks. By understanding how geography, zoning, and development patterns affect long-term livability, your agent can guide you toward homes that not only suit your lifestyle but also reduce your exposure to future property losses.

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Do you ever wonder why your favourite movie stars always look so good? Or why your local coffee shop is always spotless and decorated for the season? The reason is simple: they have a team of professionals who meticulously arrange every detail.

Before you start wondering how this relates to your home-buying journey, think about all the professionals you have standing behind you as you search for your dream home. Besides your real estate agent, you have a whole team helping guide you home, including a real estate lawyer.

What is a Real Estate Lawyer?

A real estate lawyer is a legal professional who specializes in property transactions and real estate law. They are qualified to provide legal advice, prepare and review documents, conduct title searches, and represent clients during property purchases, sales, or refinancing. In Canada, real estate lawyers are licensed practitioners with specific expertise in handling the legal complexities of property transactions and ensuring that all aspects of the deal comply with provincial and federal regulations. Unlike general practice lawyers, real estate lawyers focus specifically on property matters, making them well-versed in the nuances of real estate transactions from beginning to closing.

What does a real estate lawyer do for the seller and the buyer? Let’s find out.

What Does a Real Estate Lawyer Do for the Buyer?

Buying a home is likely the most significant transaction you will make in your lifetime. This life-altering decision requires the support of professionals to make sure that every step of the process is followed, ensuring that every “i” is dotted and every “t” crossed.

The person who takes care of the dotting and crossing on every legal document is your real estate lawyer. If you’re new to the home buying experience, you probably know you need a lawyer but may not be sure what role they play.

A real estate lawyer is necessary for both the buyer and the seller. We’ll start with their role on the buyer’s side. They ensure the transfer of ownership, outlining the terms of your purchase agreement and a clear title to the property. That is their role at the most basic; it goes far beyond, including the following:

  • Review the Agreement of Purchase and all other legal documents
  • Ensure there are no claims listed against the property
  • Arrange for Title Insurance
  • Ensure you have a valid title upon closing
  • Ensure property taxes are up to date
  • Calculate the land transfer tax due on closing
  • Draw up the mortgage documents
  • Close the transaction and ensure all legal and financial conditions are met
  • Exchange legal documents and keys with the seller’s lawyer

What Does a Real Estate Lawyer Do for the Seller?

The real estate lawyer’s role on the seller’s side is also related to ensuring the transaction goes smoothly and that all legal aspects are covered. They are focused on the mortgage payout and a smooth transfer of the property’s title. Just like on the buyer’s side, a real estate lawyer performs several key tasks, including:

  • Review the Agreement of Sale and other legal documents before you sign
  • Assist you with the negotiation of the terms and conditions
  • Prepare the deed to your house
  • Deal and remedy title issues as they occur
  • Close the transaction
  • Ensure all legal and financial conditions have been met
  • Exchange legal documents and keys with the Buyer’s lawyer

What Does a Real Estate Lawyer Do at Closing?

At closing, a real estate lawyer takes on several responsibilities to finalize your property transaction. They review all closing documents to ensure accuracy and completeness, including the deed, mortgage documents, and statement of adjustments. Your lawyer verifies that property taxes, utilities, and other expenses are properly prorated between buyer and seller. They also conduct a final title search to confirm no new liens or encumbrances have appeared since the initial search.

On the closing day, your real estate lawyer handles the transfer of funds, ensuring the seller receives payment while confirming that mortgages, property taxes, and other outstanding amounts are paid. They register the deed and mortgage with the appropriate land registry office to officially transfer ownership. For buyers, the lawyer will explain each document before signing and address any last-minute questions or concerns.

If you’re selling property, your real estate lawyer ensures all existing mortgages are discharged properly and that you receive the proceeds from the sale after all required payments are settled. Throughout this process, they communicate with the lawyer representing the other party to resolve any issues that arise and ensure a smooth closing experience for both parties.

When Do You Need a Real Estate Lawyer?

Whether you are buying or selling a home, you will need a real estate lawyer to register the transfer of property with your province’s land registry office. You are required to have a lawyer because lawyers can access Provincial Electronic Land Registration Systems. Every province has different regulations, but a legal professional must register a property and purchase a home to ensure it is legal.

While many real estate transactions in Canada use standard form agreements prepared by realtors, a lawyer will review and amend these contracts to ensure they cater to specific needs or situations. They can also conduct a title search to ensure there are no liens or other encumbrances on the property and help you understand and secure title insurance, which is becoming increasingly common in Canada.

How a Real Estate Lawyer Can Help with Complications

A real estate lawyer is indispensable when a housing deal faces complications, such as when a property is appraised at a value lower than the agreed offer. The attorney can provide clarity on the contractual implications of such a scenario. Many real estate contracts contain appraisal contingencies that allow the buyer to renegotiate or withdraw from the purchase without penalty if the appraisal is low. The lawyer can review the terms and advise on potential avenues of action. If both parties remain keen on completing the sale, the attorney can facilitate negotiations, ensuring that any new terms or price adjustments are legally sound and in the best interest of their client. A real estate lawyer can also investigate if the appraisal was conducted accurately and fairly, providing grounds for a potential challenge or request for a second opinion.

How Much Does a Real Estate Lawyer Cost?

Canadians can expect to pay anywhere from $200 to $400 per hour (depending on your situation) for a real estate lawyer. This varies based on the complexity of the transaction and regional differences.

Some real estate lawyers offer flat-fee services that cover all standard aspects of your transaction. Others may charge additional fees for more complex transactions, such as those involving commercial properties, rental properties, or situations requiring extra legal work. Always request a detailed breakdown of expected costs during your initial consultation to avoid surprises on your closing day.

Can a Real Estate Lawyer Represent the Buyer and Seller?

So, can a lawyer represent both parties in real estate? In real estate transactions, it’s generally considered a conflict of interest for a single lawyer to represent both the buyer and the seller. This is because the interests of the buyer and the seller can often be at odds. The seller aims for the highest price and best terms, while the buyer typically wants the opposite. A single attorney representing both parties can be put in a difficult position, trying to serve two masters with diverging goals. Dual representation also increases the risk of malpractice claims, as either party might later believe they were inadequately represented if the deal goes awry. Each party deserves an advocate who can negotiate and advise with their best interests in mind. This becomes compromised when one lawyer tries to balance the needs of both parties.

Now that you better understand the real estate lawyer’s role, it’s time to choose one that will best represent you throughout the transaction. Choosing a real estate lawyer is something your RE/MAX agent can help you with, as they often work closely with trusted professionals. 

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Canadian Prime Minister Mark Carney will make housing one of his top economic priorities for his incoming government.

In the April 28 federal election, Carney and the Liberals defeated Pierre Poilievre and the Conservatives, obtaining a minority government. Now that the campaign is over, the prime minister and the Grits will get to work and submit policies to grapple with some of the nation’s biggest challenges.

The prime minister, in his first press conference since winning the election, vowed to transform Canada’s economy as the country engages in battles at home and abroad. A key plank of his government’s priorities will be housing, pledging to “create an entirely new Canadian housing industry.”

As part of a broader effort to double the pace of homebuilding to approximately 500,000 new homes per year, Carney has revealed several key ideas to achieve this lofty aim:

  • Extend $25 billion in financing for prefabricated home builders.
  • Eliminate the GST on new homes priced between $1 million and $1.5 million. The GST will also be removed for first-time buyers for newly-built homes below $1 million.
  • Lower municipal development charges for multi-unit residential housing.
  • Cap immigration levels to ease housing demand pressures.

In addition, the former head of the Bank of Canada and the Bank of England will establish Build Canada Homes, a government agency overseeing affordable housing development.

This may be the beginning of more things to come.

“In the coming weeks, I will unveil more of our plan to engage with Canadians as we embark on the biggest transformation of our economy since the end of the Second World War,” he told reporters.

Indeed, housing affordability has deteriorated across the country over the last few years. According to housing data from the Canadian Real Estate Association (CREA), the national average home price is about $679,000, nearly 40 percent higher than pre-crisis levels.

Will Carney’s plans succeed in building supply and restoring price stability for prospective middle-income homebuyers in major urban centres and rural communities? Will the country reverse the trend of becoming a nation of renters? Will home prices be within reach for millions of Canadians? Will policymakers only focus on Toronto and Vancouver?

Industry experts have mixed views about the prime minister’s proposals.

What Canadians Can Expect When It Comes to Housing Under the ‘New’ Liberal Government

Carney’s GST idea, which his Conservative challenger also presented, is widely expected to pass almost as soon as the House of Commons is reconvened.

But whether it restores housing affordably or not remains to be seen.

Penelope Graham, a mortgage expert at Ratehub, told Global News that it is a positive move but would be a “drop in the bucket” for bolstering housing affordability.

“Will this move the dial in terms of affordability? Likely not in the more expensive markets. Pricing for brand-new construction is considerably higher than it is for resale stock. For example, the benchmark price for a new condo in Toronto is already a million dollars. That’s compared to a resale unit, which is around $680,000,” she said.

Experts say the bright spot in Carney’s housing plan is its emphasis on prefabricated housing. These units are constructed off-site in a factory and transported to a final location for assembly.

Studies show that prefab homes can reduce costs by up to 20 per cent and lower construction times by 50 per cent.

“Modular construction does not inherently mean affordable construction costs, but costs can become more predictable if they are intentionally controlled in the design and planning process,” an August 2024 University of Toronto study stated.

Despite research indicating their efficacy, factory-built homes account for less than 5 percent of Canada’s housing market, according to The Globe and Mail.

The Liberal plan would expand the supply by close to half a million new homes every year for the next decade. According to the prime minister, the new federal housing entity and an extension of the Housing Accelerator Fund would accomplish this.

While it is ambitious, experts say it is hard to envision happening as it did following the Second World War.

“When [CMHC] was involved in direct delivery of various programs back in the ’70s, ’80s and ’90s, they established a network in the early post-war period of 96 branch offices across the country, staffed with architects, engineers, building inspectors, loans officers, underwriters, and so on,” said Steve Pomeroy, industry professor at McMaster University’s Canadian Housing Evidence Collaborative, in an interview with Global News.

“I can’t imagine how at a single federal agency, you would actually be able to emulate that kind of support for local development.”

Caution: Work Ahead

The Canadian real estate market has undergone many developments in recent years, from soaring mortgage rates to a spike in demand. While Canadian officials at all three levels of government have offered solutions to the country’s housing challenges, affordability remains elusive. Will Prime Minister Carney’s plans ensure more households have access to the Canadian Dream of homeownership? The jury is still out.

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5 Spring Cleaning Tips When Selling a Home with Pets 

Struggling to get your home free of pet hair before selling? Maybe you share your home with a dog, a cat, and even a rabbit, and getting rid of their remnants seems like an impossible task. Don’t worry! Our tips, created in collaboration with the experts at Pet Valu, are here to help pet owners navigate the cleaning process when selling their homes. No matter how many furry companions you have!  

With our tips and tricks, you’ll be able to freshen up your space and leave a lasting impression on potential buyers. From choosing the best cleaners to staying ahead of pet fur, you can keep your home spotless, smelling good, and ready for showings at a moment’s notice!

Use Enzyme-Based Cleaners  

Let’s face it, pet accidents happen, and when they do, your first instinct is probably to grab some paper towels, plus the nearest all-purpose cleaner. While that might seem sufficient, it often doesn’t fully eliminate the bacteria left behind, and the odours that linger long after the mess has been mopped up. If you have a pet that’s prone to frequent accidents (like puppies or older cats), it’s a good idea to invest in an enzyme-based cleaner.  

Unlike regular cleaners that often just mask the smell, enzyme cleaners break down the proteins in pet waste, helping to eliminate both the offending odor and its source – the bacteria. This is key to keeping your home smelling fresh, especially if it’s on the market!  

Boost Air Quality with a HEPA Filter 

Air filters became very popular during COVID, and they’ve stuck around for good reason. Today, they’re considered essential for maintaining a clean home. Air filters work by capturing airborne pollutants. Air purifying methods include physical barriers, absorption, and electrostatic attraction depending on your filter. The most recommended filter would be a HEPA filter (High Efficiency Particulate Air filters), which is among the most effective on the market. HEPA filters trap 99.97% of airborne particles including dust, bacteria and pet dander.  

HEPA filters can also give your HVAC system a break by catching particles before they reach the main system. Some HEPA filters are even designed to be integrated directly into your home’s HVAC unit.  

During peak shedding seasons, it’s recommended to change your filters every one to two months to keep things running smoothly. If you’re preparing to sell your home, clean air can be just as important as clean floors. A HEPA filter can help reduce pet odors and allergens, creating a fresher, more attractive environment for potential buyers. 

Clean More Frequently with Multiple Pets 

Some people are perfectly happy with one dog. Others figure their pup needs a furry friend. Some might even dream of raising an entire litter. No judgment! Just make sure to check your local laws about how many pets (and what types) you’re allowed to have in your home.

Fun fact: In the Oak Bay neighbourhood in Victoria, you can be fined up to $100 for a noisy parrot! For a noisy parrot… For a noisy parrot…. You get the picture.  

No matter how many pets you have, or how exotic they may be, staying on top of shedding can be a full-time job. One helpful tip when you’re prepping your home to sell is to limit your pets’ access to certain areas of the house. That doesn’t mean confining them to a single room, but being strategic can make cleanup much easier. It also keeps your home ready to show.  

Pet hair and dander can accumulate quickly on soft surfaces like couches, rugs and curtains. If your pets do have access to these areas, make it a habit to vacuum frequently. Use lint rollers and spot clean as needed. Clean, fur-free furniture and fresh-smelling rooms will go a long way in helping potential buyers focus on your home’s best features, not on your pets’ presence. Experts recommend vacuuming twice a week if you have pets that shed. If your pet is a heavy shedder, daily vacuuming may be necessary.  

Reduce Shedding by Brushing Your Pet Regularly 

Being proactive and brushing your pet helps get ahead of shedding. You’ll get rid of all that loose hair before it even reaches the floor. Depending on your pet’s breed and coat type, grooming needs can vary significantly. Some pets require daily brushing, others weekly, and a few lucky homeowners may barely notice shedding at all. From long-haired cats and short-coated dogs to so-called hypoallergenic dog breeds (yes, they shed too!), pet hair is a common issue for pet owners looking to keep a clean home.  

In today’s competitive real estate market, first impressions matter to buyers who may not have pets themselves. A home that smells fresh, looks well-maintained, and is free of pet hair helps buyers see the value of your property. Staying on top of pet shedding is a small task that can make a big difference when selling your home. 

Prevent Muddy Paws from the Floor 

Spring can be a beautiful and messy time for pet owners. If you’re trying to keep your home looking clean while preparing for a noon showing, the last thing you want is muddy paw prints on your floors.  

Before letting your dog back inside after a run in the yard, use paw cleaning tools or even a damp towel to wipe their paws thoroughly. You can even take it a step further by teaching them to wipe their own paws at the door! With a bit of patience and training, you can create a designated spot by the door with a mat or towel. There, your dog can learn to wipe off their paws before coming inside. 

A cleaner home means fewer lingering smells, less visible dirt, and an overall more inviting environment for potential buyers. By staying on top of these details, you’re also protecting your floors and increasing the chances of a quicker sale and maybe even a better offer. 

A Clean House is a Happy (And Sellable) House! 

These 5 essential spring cleaning tips when selling a home with pets are designed to make your home spotless and inviting. Buyers are not just looking at walls, windows and furnishings. They’re trying to feel a connection and vibe. The goal is for them to walk in, take a deep breath, and feel right at home. Pet dander, hair and odors can quickly turn that positive vibe into a negative one. This creates a barrier between your home and potential buyers.  

Your buyer pool is likely to come from a diverse background. For example, some may have allergies or asthma. For them, pet dander can be more than just an inconvenience. It can be a real health concern. If a potential buyer walks into a home filled with pet fur and lingering dander, their first impression will probably be less than ideal. Worse, if they’re serious about the property but struggle with allergens, they may decide they need a deep clean before even considering a move-in. This added hassle can cause delays in the sales process or push buyers to look elsewhere.  

The goal is to remove any potential obstacles to your sale. Whether that’s the lingering smell of pet accidents or the sight of fur on your furniture, a little attention on your part can make a big difference. Need further assistance? A REMAX agent can help answer your questions related to buying and selling a home with pets. Help yourself by helping your home stand out and encourage buyers to imagine themselves living there, pet-free or not. With these simple tips, you’ll ensure your home is buyer-friendly, giving you the best chance to make a quick and successful sale.

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The way your home looks from the street—including the landscaping, paintwork, and overall vibe—signals to potential buyers what they might find inside. If the exterior looks neglected or outdated, buyers might not bother to check out the inside, even if it’s beautifully updated. A well-maintained exterior not only invites buyers to look further but also shapes their perception of the home’s value.

In the summer, the importance of curb appeal is even more pronounced. Natural light and greenery can show off your property at its best, making it stand out in a busy market. If you’re wondering how to upgrade your home’s curb appeal, simple touches like a tidy lawn, a fresh coat of paint, and some attractive outdoor furniture can create an inviting look. Since listing photos usually start with shots of the exterior, a good first photo can grab the attention of people browsing online and stop them from skipping your listing. By following these tips, you can boost the selling price and close a sale faster.

Why Curb Appeal Matters More Than You Think

It Pre-Sells the House Online Before Anyone Visits

These days, most buyers meet your home for the first time, not at the curb but on a screen. The first photo is almost always the exterior. That photo doesn’t just make the listing look tidy — it determines whether a buyer books a showing at all. A house with curb appeal often performs better online, generates more showings, and, in competitive markets, may even create a sense of scarcity. Curb appeal helps catch the attention of buyers who might otherwise scroll past.

It Signals That the Seller is Attentive and the Home is Well-Loved

When buyers look at the house, they are also subconsciously sizing up the kind of person who lived there. A home with a well-kept exterior quietly suggests that the sellers have cared for more than just the front yard. It hints at maintained plumbing, serviced heating systems, and roofs that haven’t been left to rot. In contrast, a home with a neglected exterior plants seeds of doubt. Buyers begin to wonder if this is what we can see, what about what we can’t?

It Creates a Sense of Belonging

Buyers are searching for a place that can feel like home. Good curb appeal helps them start imagining everyday life there, like pulling into the driveway after work, hanging a wreath on the garden gate at Christmas, and waving to neighbours on a sunny morning. That sense of familiarity and belonging is often what tips a buyer from interest to action, turning a showing into an offer.

It Affects Buyer Memory After the Viewing

Most sellers don’t realize that the first and last thing buyers will remember is not the kitchen or the bathroom but the approach and the departure. Buyers visit several homes in a short space of time. They may struggle to recall the width of the hallway, but they will know how they felt pulling up to and leaving the home. A house with charm lingers. It’s the one they circle back to later and say, the one with the pretty garden or the one that felt like home.

It Lowers Perceived “Mental Renovation Costs”

Even if buyers plan to change everything, including the garden, the paint, and the fence, they still want it to look fine now. A home with poor curb appeal doesn’t just look neglected — it mentally adds to the buyer’s “to-do” list, even if they were already planning renovations. A buyer may accept they’ll remodel the kitchen, but if the front garden looks like a project, too, it starts to feel overwhelming.

How to Upgrade Your Home’s Curb Appeal

With curb appeal playing such a quiet but powerful role in a sale, the next question is — what can be done to make a difference? Knowing how to upgrade your home’s curb appeal isn’t always about dramatic changes. Here are some practical ways to make sure the first impression is working in your favour.

Checking the Roofline and Eaves

Most sellers don’t even look up, but buyers do. Their eyes naturally scan the gutters, eaves, fascia boards, and roofline as part of their first impression. It’s worth taking the time to inspect these areas closely before listing. Clear out any debris from the gutters, tighten or replace sagging sections, and scrub away moss or algae that may have settled on the roof. A crisp, clean roofline and tidy eaves make the entire front of the home feel sharper and better cared for.

Landscaping for a Lush Look

Give your lawn the attention it needs to stay lush, green, and neatly trimmed. A well-maintained lawn not only looks appealing but is also a big draw for potential buyers. Use eco-friendly fertilizers and keep up with regular weeding and aerating to keep your lawn healthy. Installing a sprinkler system can be a big help during dry spells to keep your grass vibrant.

Plant a variety of seasonal flowers and decorative plants that will bloom in the summer to bring colour and life to your garden beds. For a more lasting solution, plant hardy perennials like coneflowers, hostas and daylilies. These plants can handle the tough Canadian winters and bloom again each summer, which means less replanting for you.

Adding fresh mulch can instantly tidy up your garden beds while helping to retain soil moisture—which is important for plant health. If any trees or bushes have overgrown, trim them back to brighten up your property and keep everything looking neat. Edging your lawn and pathways will sharpen the overall look of your outdoor space, making it more attractive and inviting.

Refreshing Paint and Exterior Details

A fresh coat of paint can do wonders for your home’s exterior. Choose colours that complement your home’s style and the natural surroundings. Focus on high-impact areas such as the front door, shutters, and trim. These elements, when freshly painted, can dramatically improve the overall look of your property. Repair or replace any old, rusty, or malfunctioning hardware on doors and windows. The best time to paint is late spring through early fall when weather conditions are typically dry and mild. This helps the paint cure properly and provides the best long-term results. Make sure to properly prep the surfaces, including scraping off any peeling paint and applying a primer if necessary.

Outdoor Living Spaces

Summer is all about outdoor living, so showcasing functional and attractive outdoor spaces can significantly appeal to buyers. If you have a patio, deck, or porch, make sure it’s well-maintained and styled with comfortable seating and decor. Adding potted plants or hanging baskets can enhance the coziness and appeal of these areas. Consider setting up a BBQ area with a small outdoor dining set to help buyers imagine themselves enjoying summer evenings at the house. Stage the space with cushions, throws, and an outdoor rug for a welcoming look, and highlight any built-in features like outdoor kitchens or fire pits.

Lighting the Way

Proper lighting is key to enhancing your home’s curb appeal, especially for evening viewings. Install stylish and functional lighting along pathways, near the entrance, and around key features of your landscaping. Solar-powered lights are a great option for energy efficiency and easy installation. This not only ensures safety but also enhances the architectural features of your home at night. Choose lighting fixtures that complement the style of your home, use spotlights to highlight trees, sculptures, or water features, and ensure all exterior lights are working and replace any burnt-out bulbs.

Maintenance Musts

Keeping up with general maintenance shows potential buyers that the home is cared for. Power wash siding, walkways, and driveways to remove dirt and grime. Clean gutters and check downspouts. Address any minor repairs that could detract from your home’s value or cause concern during inspections. Focus on small details that could signal neglect, like cracked caulking or peeling paint. Repair or replace damaged window screens and door handles, and keep the roof clean and in good condition, as it’s often a major concern for buyers.

Understanding how to upgrade your home’s curb appeal means paying close attention to details and planning strategically. The aim is to make a strong first impression. Start these projects early so that by the time summer arrives, your home is ready to catch the eyes and win the hearts of those searching for their dream home.

Ready to sell your home this summer? With in-depth knowledge and resources, our REMAX agents are well-equipped to help you attract the right buyers and achieve the best possible price. Reach out today.

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