Closing Day marks the official start of a brand new chapter — and it's one of the most exciting milestones in your homeownership journey. After all the paperwork, the decisions, and the anticipation, you're finally holding the keys to your new home.

But before you unpack a single box or pop the champagne, there’s one last step to help ensure everything is exactly as it should be: a final walkthrough.

We know how easy it is to miss a detail in all the excitement, which is why we've created a simple Closing Day Guide to help you feel confident and in control.

Here are the essentials to check before you settle in:

✅ Appliances & HVAC

Confirm that your major appliances, heating, and air conditioning systems are fully functional and in good condition.

✅ Water Systems & Fixtures

Run the taps, flush the toilets, and check for leaks to make sure everything is running smoothly.

✅ Lights, Outlets & Remotes

Test all light switches, power outlets, and remote-controlled systems to ensure they're working properly.

✅ Garage Doors & Smart Devices

Open and close the garage doors, check any installed smart home systems, and make sure you’ve got the right access codes or instructions.

Think of this as your final walkthrough companion — a practical tool designed to give you peace of mind as you transition into your new space.

Ready to feel fully prepared for the big day?

Download the full checklist

Moving into your new home is a big milestone — but even after the boxes are unpacked, there’s one more step that often gets overlooked: updating your address.

It's a small detail that can have a big impact. From missed bills to delayed deliveries or important documents ending up at the wrong place, skipping this step can cause unnecessary headaches. That’s why we’ve created a simple, organized Address Change Checklist to help you cover all the bases.

What You'll Find Inside the Checklist:

Our checklist is designed to make the process as easy and stress-free as possible. It covers essential updates like:

• Utilities and internet providers

• Banks, insurance companies, and government IDs

• Subscriptions, schools, and delivery services

Plus a few thoughtful extras to help you wrap things up, like returning spare keys and scheduling pickup for any large items you’re leaving behind.

Because it's not just about changing your address — it's about feeling truly settled.

Make It Official

You’ve done the hard work of finding the right home. Let us help you wrap up the move with clarity and peace of mind.

Download the Full Address Change Checklist Here

In today’s competitive real estate market, it can be tempting to do whatever it takes to win a bidding war. For many buyers, that includes skipping the home inspection to make their offer more appealing.

At first glance, it might feel like a savvy strategy. Saving a few hundred dollars upfront and speeding up the process? Sounds efficient. But here’s the truth:

That small savings could cost you big time later.

We’re talking hidden foundation issues, outdated electrical systems, roof damage, plumbing problems—the kinds of repairs that can quickly add up to tens of thousands of dollars. All of which may stay hidden until you’ve already moved in and assumed the financial responsibility.

The True Cost of Skipping an Inspection

Home inspections are designed to protect your investment. When you waive that step, you’re essentially agreeing to buy a property "as is," without a full picture of its condition. You wouldn’t buy a car without checking under the hood—so why do that with your home?

Here are just a few issues a standard inspection can uncover:

• Structural problems like foundation cracks

• Roof or attic damage

• Electrical hazards

• Water leaks or mold

• HVAC inefficiencies or safety issues

Skipping an inspection may help you win the house, but it could also turn your dream home into a money pit.

How to Stay Competitive Without Skipping the Inspection

The good news? You don’t have to choose between a strong offer and a smart one. There are ways to protect your offer and your future:

1. Pre-Inspection: If the seller allows, schedule an inspection before submitting your offer. This gives you a clear view of the property's condition without adding conditions later.

2. Short Inspection Window: Instead of waiving the inspection altogether, offer to complete it within 24-48 hours. It shows urgency while still protecting you.

3. Focus on Major Systems: In some cases, a more limited inspection focused on key systems (roof, foundation, electrical, plumbing) can offer critical insight in a shorter timeframe.

4. Work With a Skilled Agent: The right agent will know how to structure an offer that’s competitive, strategic, and safe. They’ll advocate for your long-term interests, not just a quick win.

Our Approach

At the Linda Maguire Team, we believe in smart, informed buying. We help our clients stay competitive while minimizing risk, because your peace of mind matters just as much as getting the keys.

You deserve to buy with confidence—not with regrets.

Want to talk strategy? We’re here to help.

One of the biggest questions homeowners face today is whether to stick with a variable rate or lock into a fixed mortgage. The choice comes down to balancing peace of mind with flexibility.

Fixed rates offer predictability. Your payment stays the same for the entire term, which makes budgeting easier. If you’re worried about higher rates at renewal or your household budget is already stretched, a fixed term can provide valuable stability.

Variable rates move with the market. When rates drop, your payments may fall too, saving you money. But when rates rise, your costs can climb quickly. Variable works best if you can handle some payment fluctuation and want the flexibility to switch or pay off early with fewer penalties.

Example: A family with a tight monthly budget might lean fixed for security, while a homeowner with a cushion in their cash flow may prefer variable to take advantage of potential savings.

There’s no one-size-fits-all answer. The right choice depends on your comfort with risk, your cash flow, and your timeline. A quick review with a mortgage professional can help you decide which option fits your household best.

Here’s What’s Driving the Hesitation (And Why It Could Be a Smart Time to Act)

Despite improving conditions in Canada’s housing market, including lower borrowing costs and more balanced pricing, many first-time buyers are approaching their homeownership journey with caution.

A new national survey from Royal LePage shows that just 13% of Canadians are actively working toward buying their first home in the next two years. Even among them, the majority (82%) plan to wait 12 to 24 months before making a move.

So, what’s behind the hesitation?

It’s not a lack of interest; it's a strategy. Many prospective buyers are still in the research phase: 51% are actively exploring neighbourhoods, and 49% are browsing online listings, yet only 19% are currently viewing homes in person. This suggests a high level of behind-the-scenes activity — with buyers quietly preparing rather than rushing in.

Financial dynamics are also shifting. While past generations often leaned on family assistance, more than half of first-time buyers today expect to go it alone. Still, 41% anticipate some form of help — whether through gifts, loans, or co-signing arrangements.

Another revealing insight? Almost half (49%) of hopeful buyers are aiming for a detached home — but many may need to adjust expectations. Condos, townhomes, and move-in ready properties are rising as more attainable options, especially in sought-after communities like Burlington and Oakville.

Top buyer priorities include:

• Saving at least 20% for a down payment (53%)

• Choosing location over commute (42%)

• Finding a home that requires minimal renovations

What does this mean for you — especially if you're local?

The current market offers a rare mix of opportunity and time. With borrowing rates stabilizing and competition less intense, prepared buyers can take advantage of softer conditions — especially those willing to move before demand rebounds.

If you're thinking of buying — even if it's still a year or two away — now is the time to start planning.

At The Linda Maguire Team, we’ll help you understand your options, define your goals, and build a strategy that makes sense for your timeline. No pressure, just honest guidance to help you make confident, informed decisions.

Source: Royal LePage Fall 2025 Market Survey