A Groundbreaking Connection

At Magnolia Group Realty, we’ve always believed that real estate is more than property—it’s lifestyle, community, and dreams. That’s why we’re so excited to announce something truly groundbreaking: we’re working to bring the warm, sunny beauty of St. Maarten right here to the Waterloo Region.

For the first time, our team is connecting our Canadian clients with exclusive opportunities in Sint Maarten real estate—from breathtaking beachfront condos to hillside villas with panoramic ocean views.

Why St. Maarten?

• 365 Days of Sunshine ☀️

• Crystal Blue Waters 🏝️

• Cultural Fusion 🇫🇷🇳🇱 — French and Dutch charm in one island paradise

• Investment Potential 💼 — A world-class destination attracting global buyers

Why Waterloo?

Because this is home. We’re proud to be the first in our region to bridge Caribbean living with Canadian convenience. No other real estate team in Waterloo is offering this unique connection—giving our clients an inside track on paradise property.

Your Key to the Islands

Whether you’re looking for a vacation home, an investment property, or a lifestyle change, our partnership with CB Premier Islands Realty means you get trusted local expertise on the island and reliable, familiar REALTORS® here at home.

This isn’t just real estate—it’s a revolution. And it starts with you. 🌊

📲 Ready to explore? Let’s talk about your island life.

Charlotte Ferguson – 519-575-1804
Nathan Steffler – 226-929-6369

All listings for St. Maarten courtesy of CB Premier Islands Realty in Partnership with @mymagnoliaislandvibes

Why the Luxury Market is Booming

Ontario’s luxury real estate market is evolving. Buyers aren’t just looking for square footage—they’re chasing lifestyle living, architectural design, and exclusivity. From lakefront estates in Muskoka to modern penthouses in Toronto, luxury homes in 2025 are more about personal experience than price tag alone.

Key Trends in the Luxury Market 2025

• Wellness Homes 🧘‍♀️: Spas, gyms, and even cold plunge pools are becoming standard in high-end homes.

• Smart Luxury 📲: Home automation systems aren’t optional anymore—they’re expected.

• Sustainability 🌱: Buyers want solar panels, energy-efficient systems, and green-certified builds.

• Privacy & Security 🔒: Gated communities and advanced security systems rank high on buyer wishlists.

• Investment Potential 💼: With limited supply, Ontario’s luxury properties continue to appreciate faster than average homes.

Where to Buy Luxury Homes in Ontario

• Toronto’s Yorkville & Rosedale — Known for heritage mansions and modern penthouses.

• Oakville & Burlington — Lakeside estates with top schools and community charm.

• Kitchener–Waterloo — Luxury homes tied to the booming tech economy.

• Niagara Region — Wine country estates perfect for entertaining.

• Muskoka — Ontario’s cottage country, redefining seasonal luxury.

Buyer Insight: Who’s Investing in Luxury?

Today’s luxury buyers are a mix of:

• Executives & Entrepreneurs looking for proximity to business hubs.

• International Investors seeking stable, high-value Canadian assets.

• Generational Wealth Transfers — Millennials and Gen Z inheriting wealth are stepping into the luxury market earlier than expected.

Final Word

The Ontario luxury real estate market in 2025 is defined by lifestyle, innovation, and exclusivity. If you’re considering making a move into this market—or listing your own high-end property—it’s crucial to work with REALTORS® who understand luxury trends, local buyer psychology, and global reach.

📲 Contact Magnolia Group Realty today for tailored guidance in Ontario’s luxury market.

Charlotte Ferguson – 519-575-1804

Why Canada is One of the Best Countries to Call Home

If you’ve been Googling “best places to live in Canada 2025” or “where should I buy a home in Ontario,” you’re not alone. Canada consistently ranks high for quality of life, affordability, natural beauty, and opportunity. Whether you’re a first-time homebuyer, an investor, or just planning your next chapter, knowing the top cities and towns can give you a huge head start.

And with BlogTO recently naming Waterloo, ON as one of the Top 15 best places to live in Canada, it’s clear Ontario is making waves on the livability charts. Let’s break down the Top 25 places to live in Canada and the Top 10 in Ontario for 2025.

🌎 Top 25 Best Places to Live in Canada 2025

Big City Energy: Where Work Meets Lifestyle

1. Toronto, ON — Best city in Canada for career opportunities and multicultural living.

2. Montreal, QC — Affordable housing + rich culture = top choice for students and families.

3. Vancouver, BC — Best Canadian city for outdoor lovers (mountains, ocean, and mild winters).

4. Ottawa, ON — Canada’s capital; stable government jobs and high quality of life.

5. Calgary, AB — Affordable housing with strong job growth and mountain access.

Coastal & Cultural Hotspots

6. Quebec City, QC — Best small-city charm with European vibes.

7. Halifax, NS — Affordable coastal living with growing job opportunities.

8. Victoria, BC — Mildest climate in Canada, perfect for retirees and families.

Ontario’s Rising Stars

9. Hamilton, ON — Best mid-sized city for affordability and arts.

10. Burlington, ON — Family-friendly lakeside living.

11. Guelph, ON — Known for low unemployment and strong community.

12. Kitchener–Waterloo, ON — Tech hub and one of the best places to buy a home in Ontario (BlogTO-approved!).

13. Barrie & District, ON — Perfect balance between affordability and family lifestyle.

14. Simcoe & District, ON — More space, lower costs—great for young families.

Western Gems

15. Edmonton, AB — Affordable housing + cultural festivals.

16. Banff, AB — Best town in Canada for natural beauty (mountain paradise).

17. Surrey, BC — Rising real estate star with family-friendly communities.

18. Burnaby, BC — Urban lifestyle close to Vancouver without the price tag.

Hidden Canadian Treasures

19. Niagara Region, ON — Best place in Ontario for wine lovers and families.

20. Russell, ON — Safe, affordable, and high livability.

21. Saint-Bruno-de-Montarville, QC — Suburban elegance near Montreal.

22. Winnipeg, MB — Budget-conscious city with strong arts scene.

23. Lunenburg, NS — East Coast small-town charm with heritage vibes.

24. Canmore, AB — Outdoor paradise with a cozy community feel.

25. Perth, ON — Underrated gem with historic character and affordability.

🏡 Top 10 Best Places to Live in Ontario 2025

When it comes to real estate, Ontario shines with a mix of urban energy, family-friendly suburbs, and charming small towns. Here are the top picks:

1. Toronto — Best Ontario city for careers, culture, and diversity.

2. Ottawa — Great for families, bilingual living, and government stability.

3. Guelph — Top choice for affordability, employment, and community spirit.

4. Kitchener–Waterloo — Tech hub, university town, and one of Canada’s fastest-growing regions.

5. Barrie & District — Affordable suburban lifestyle with easy Toronto access.

6. Simcoe & District — Best for young families seeking space and value.

7. Hamilton — Best mid-sized city in Ontario for arts, history, and affordability.

8. Burlington — Scenic lakefront living, top-rated schools, and family-friendly vibe.

9. Niagara Region — Scenic wine country + strong family neighborhoods.

10. Tillsonburg / Russell — Small-town affordability with high quality of life.

🔑 Why These Places Rank Among the Best

• Affordability: Housing costs vs. income make a huge difference.

• Lifestyle: Proximity to schools, transit, shopping, and nature.

• Job Growth: Booming industries like tech in Waterloo, government in Ottawa, and energy in Calgary.

• Community: Safe neighborhoods, family-friendly amenities, and cultural vibrancy.

👋 Thinking About Moving?

If you’re ready to explore the best places to live in Ontario or across Canada, we can help you find the perfect fit. Whether you’re eyeing a starter home in Guelph, a condo in downtown Toronto, or a family retreat in Waterloo, Magnolia Group Realty has you covered.

📲 Contact Us Today:
Charlotte Ferguson – 519-575-1804
Nathan Steffler – 226-929-6369

#BestPlacesToLive #CanadaLiving #OntarioRealEstate #CanadianRealEstate #TopCities #HouseHunting #RelocationCanada #OntarioLiving #WaterlooRegion #HomeGoals #LifestyleLiving #YourMagnoliaGroup

Why More Canadians Are Choosing Fixed Mortgage Rates at Renewal

As Canada moves through a massive wave of mortgage renewals in 2025, many homeowners are facing the reality of higher payments than they locked in during the low-rate years of 2020 and 2021. And while both fixed and variable mortgage rates in Canada are currently priced within a similar range, an increasing number of borrowers are opting for the security of fixed rates.

🏡 The Shift Toward Fixed Rates

According to the Bank of Canada, most renewing mortgages are five-year fixed terms—and despite today’s higher rates, many borrowers are still landing below the stress test levels they qualified for during the pandemic. Combined with rising household incomes, this has softened concerns about a widespread financial crisis.

But for individual families, stability is everything. Fixed-rate mortgages offer predictable payments, protecting borrowers from bond market volatility and future rate hikes. As Ottawa mortgage broker Chris Allard explains, salaried employees with little ability to boost income through bonuses or overtime often prefer fixed rates because they take one big uncertainty—monthly housing costs—off the table.

📉 Why Stability Matters More Than Ever

It’s not just about peace of mind. Canadians are increasingly feeling financial pressure:

• 27% say they can’t pay all their bills in full.

• 96% remain worried about inflation.

• 51% cite recession fears as a top financial concern.

• Nearly two-thirds say they need interest rates to fall to improve their finances.

In Ottawa, fears are heightened by proposed federal government spending cuts that could lead to job losses. For public sector employees, the possibility of reduced income makes the certainty of fixed payments even more appealing.

🔑 The Bottom Line

While some borrowers remain optimistic about future Bank of Canada rate cuts and continue to choose variable mortgages, the majority are playing it safe with fixed terms. In uncertain times, predictability and peace of mind often outweigh the chance of saving a little money down the road.

Buying vs. Renting in Canada: Which Is Better for the Long Run?

The classic debate—renting vs. buying in Canada—has been around for decades, and it’s not slowing down anytime soon. With homeownership costs skyrocketing across the country, especially in urban centres like Toronto, Vancouver, and even here in the Waterloo Region real estate market, more Canadians are asking: Is it smarter to rent for life or stretch to buy a home?

The truth? There’s no one-size-fits-all answer. Both renting and buying have their pros and cons, and the best choice depends on your lifestyle, financial discipline, and long-term goals.

🏘️ The Case for Renting

Alex Avery, author of The Wealthy Renter, believes Canadians shouldn’t feel pressured into buying if the numbers don’t add up. Even with rising rents, he argues that renting in Canada can still be more cost-effective and less risky than homeownership when you consider the hidden costs of owning.

Why Renting Makes Sense:

• Lower upfront costs – No massive down payment required.

• Predictable expenses – No surprise property tax hikes, roof repairs, or furnace replacements.

• Flexibility – Easier to move for job opportunities or lifestyle changes.

• More ways to invest – Renters can put their savings into RRSPs, TFSAs, or ETFs instead of locking it all into a house.

Avery also warns against thinking of homeownership as an investment strategy. Housing markets can decline, and tying up all your money in one property may not always be the safest financial move.

🏡 The Case for Buying

On the other side, Vancouver REALTOR® Owen Bigland argues that buying a home in Canada remains one of the best ways to build long-term wealth. His math shows that a lifetime renter could spend more than $1.3 million on rent by the time they turn 65—and have nothing to show for it.

Why Buying Pays Off:

• Equity growth – Every mortgage payment increases ownership in your home.

• Retirement security – A mortgage-free home later in life reduces financial stress.

• Borrowing power – Home equity can be tapped through a line of credit if needed.

• Tax advantages – Canada’s principal residence exemption means you don’t pay capital gains tax when selling your primary home.

McGill professor Sebastien Betermier adds that for many Canadians, their home makes up 70–80% of their wealth. Owning can provide both a place to live and a long-term financial safety net.

⚖️ Renting vs. Buying in Waterloo Region

Here in the Waterloo Region real estate market, the decision is especially tough. With rising home prices, many first-time buyers feel priced out. Yet, long-term renters still face high monthly costs with little equity gain.

The reality is:

• Renting = Flexibility + lower risk

• Buying = Stability + long-term equity growth

If you expect to move frequently, renting may be smarter. But if you can commit to staying in one place for 8–10 years, buying could help secure your financial future.

💡 Final Thoughts

When it comes to the renting vs. buying debate in Canada, the “right” choice depends on your situation. Ask yourself:

• Am I disciplined enough to invest my savings if I rent?

• Do I want the freedom to move, or the stability of ownership?

• Can I handle the long-term costs of homeownership?

There’s no wrong answer—only the answer that works for you.

✅ Thinking about making the switch from renting to buying here in Waterloo Region? Our team can help you crunch the numbers, explore mortgage options, and find out if homeownership makes sense for your future.

📲 Reach out today:
Charlotte at 519-575-1804

The age-old debate—should you rent for life or take the plunge into homeownership?—continues to divide financial experts and everyday Canadians. Here’s what the latest perspectives reveal:

The Case for Renting

Alex Avery, author of The Wealthy Renter, argues that renting isn’t a bad deal at all. Even though rents have risen, he says renting still comes with lower risks and often costs less than owning when you factor in all the hidden expenses of homeownership.

• Lower upfront costs: No need for a hefty down payment.

• Fewer surprises: No property taxes, repair bills, or maintenance headaches.

• More flexibility: Easier to relocate for work, lifestyle, or family reasons.

• Investment alternatives: Renters can put money into RRSPs, TFSAs, or ETFs instead of relying on a home’s value for wealth.

Avery cautions against viewing homeownership as an automatic wealth-builder, reminding people that property values don’t always rise, and tying up money in a home may limit other investment opportunities.

The Case for Buying

On the flip side, Vancouver REALTOR® Owen Bigland highlights the long-term financial benefits of buying. His calculations show that a lifetime renter could easily spend over $1.3M in rent by age 65—with nothing to show for it.

• Equity-building: Every mortgage payment chips away at debt and grows ownership.

• Retirement security: A mortgage-free home later in life offers financial stability.

• Collateral benefits: Home equity can be borrowed against if needed, often at lower interest rates.

• Tax advantages: The principal residence exemption shields gains from capital gains tax.

Sebastien Betermier, a McGill professor, adds that while owning carries risks too, homes often make up the largest portion of a family’s wealth—and can serve as both shelter and a savings plan.

The Bottom Line

Renting = flexibility and lower risk.
Buying = long-term stability and equity growth.

The right choice depends on your personal goals, savings discipline, and stage of life. Renting may be smart if you’re moving often or don’t want the responsibilities of homeownership. Buying, however, could be your ticket to wealth-building if you’re ready to commit to one place for the long term.

Buying vs. Renting for Life: The Pros and ConsBuying vs. Renting for Life: The Pros and Cons

The age-old debate—should you rent for life or take the plunge into homeownership?—continues to divide financial experts and everyday Canadians. Here’s what the latest perspectives reveal:

The Case for Renting

Alex Avery, author of The Wealthy Renter, argues that renting isn’t a bad deal at all. Even though rents have risen, he says renting still comes with lower risks and often costs less than owning when you factor in all the hidden expenses of homeownership.

• Lower upfront costs: No need for a hefty down payment.

• Fewer surprises: No property taxes, repair bills, or maintenance headaches.

• More flexibility: Easier to relocate for work, lifestyle, or family reasons.

• Investment alternatives: Renters can put money into RRSPs, TFSAs, or ETFs instead of relying on a home’s value for wealth.

Avery cautions against viewing homeownership as an automatic wealth-builder, reminding people that property values don’t always rise, and tying up money in a home may limit other investment opportunities.

The Case for Buying

On the flip side, Vancouver REALTOR® Owen Bigland highlights the long-term financial benefits of buying. His calculations show that a lifetime renter could easily spend over $1.3M in rent by age 65—with nothing to show for it.

• Equity-building: Every mortgage payment chips away at debt and grows ownership.

• Retirement security: A mortgage-free home later in life offers financial stability.

• Collateral benefits: Home equity can be borrowed against if needed, often at lower interest rates.

• Tax advantages: The principal residence exemption shields gains from capital gains tax.

Sebastien Betermier, a McGill professor, adds that while owning carries risks too, homes often make up the largest portion of a family’s wealth—and can serve as both shelter and a savings plan.

The Bottom Line

Renting = flexibility and lower risk.
Buying = long-term stability and equity growth.

The right choice depends on your personal goals, savings discipline, and stage of life. Renting may be smart if you’re moving often or don’t want the responsibilities of homeownership. Buying, however, could be your ticket to wealth-building if you’re ready to commit to one place for the long term.

Canada’s inflation rate cooled to 1.7% in July, down from 1.9% in June—thanks largely to falling gas prices after the federal carbon tax was removed. But while that sounds like good news, the picture is more complicated when you dig into the details.

📊 The Inflation Breakdown

• Gas prices: Dropped 16.1% (the main driver of the overall decline).

• Excluding gas: Inflation still sat at 2.5%.

• Shelter costs: Up 3.0% year-over-year, with rent climbing 5.1% and mortgage interest costs still nearly 5% higher.

• Food prices: Coffee jumped 28.6%, cocoa rose 11.8%, and fresh fruit climbed 3.9%.

The Bank of Canada’s preferred inflation measures (CPI-trim and CPI-median) are steady at 3.0% and 3.1%—but the three-month trend has eased to its lowest point since 2024.

🏦 What This Means for Interest Rates

Economists are split on whether this cooling trend is enough to push the Bank of Canada toward another rate cut in September:

• CIBC: Says a September cut is “more possible” now that inflation is softening.

• BMO: Thinks we’d need even weaker inflation and slower job numbers before the Bank moves.

• RBC: Believes the Bank may already be done with cuts this cycle.

• National Bank: Says another cut might only come if unemployment worsens.

⚖️ So, What’s the Verdict?

Right now, it’s a toss-up. While softer inflation opens the door to a possible 25-basis-point cut, stubbornly high food and shelter costs may keep the Bank on the sidelines. September 17th is the date to watch.

📌 The Bottom Line
Even if rates hold steady, we’re still in a better position than earlier this year when inflation and borrowing costs were climbing. For buyers, stability itself is a win—it means more predictability in planning your purchase.

Thinking about buying or selling in Waterloo Region? Let’s talk about how today’s numbers impact your next move.

📲 Charlotte: 519-575-1804

The Canadian housing market isn’t in full “boom mode,” but after months of economic jitters, it’s showing signs of stability—and that’s good news for both buyers and sellers.

When U.S. tariffs first hit earlier this year, many feared a housing crash alongside job losses and higher inflation. But so far, the impact has been softer than expected. Canada’s countermeasures and exemptions under CUSMA (the Canada-US-Mexico trade deal) have helped blunt the blow, and inflation is actually easing. That even raises the possibility of the Bank of Canada trimming interest rates in the near future.

🏡 What’s Happening in Real Estate

• National home sales are inching up: July marked the fourth straight month of recovery, though the rebound looks different across regions.

• Rates are steady (for now): The Bank of Canada has held firm on its last three decisions, but fixed rates haven’t fallen much due to rising bond yields.

• Borrowing remains tight: Many buyers still struggle to qualify with traditional lenders, which has fueled growth in the alternative lending space.

🌍 The Trade Wildcard

The elephant in the room? U.S.–Canada trade tensions. Negotiations are ongoing, and while a full-blown trade war hasn’t materialized, uncertainty is still weighing on long-term confidence. Any surprise escalation could slow (or even reverse) the housing recovery.

🌟 Why There’s Still Optimism

Industry leaders are calling this a market of “cautious optimism.” Activity is picking up, refinancing and renewals remain strong, and alternative lenders are stepping up where banks can’t. For disciplined, well-prepared buyers, there are still opportunities.

📌 The Bottom Line
Canada’s housing market is slowly regaining balance. It’s not a seller’s frenzy or a buyer’s paradise—it’s a market that rewards preparation, flexibility, and smart strategy.

If you’re thinking about buying or selling in Waterloo Region, now is the time to plan your move with the right guidance. Let’s talk about how to position you for success in today’s shifting market.

📲 Charlotte: 519-575-1804

GTA Real Estate Market Update: What It Means for Waterloo Region

The GTA market is officially picking up steam again. July clocked in at 6,100 homes sold—up almost 11% from last year, making it the busiest July since 2021. But despite more activity, prices are still sliding. The average home price sat at $1,051,719, down 5.5% year-over-year.

July 2025 Snapshot

• 📈 Sales: 6,100 homes (+10.9% YoY)

• 🏡 New Listings: 17,613 (+5.7% YoY)

• 💰 Average Price: $1,051,719 (–5.5% YoY)

• ⏳ Days on Market: 30

Detached homes outside Toronto are holding steadier with smaller price dips, while Toronto condos are taking the biggest hit (down nearly 10% YoY). The Bank of Canada held its rate at 5.0% and fixed mortgage rates nudged lower, giving buyers more breathing room.

What This Means in the GTA

• Buyers: More choice, less pressure, and the chance to negotiate—but the well-priced homes still move quickly.

• Sellers: Buyers are back, but they expect value. Overpriced or under-prepped homes are sitting, while clean, sharp listings are getting snapped up.

• Investors: Detached homes in the 905 look stronger than downtown condos when it comes to long-term value and rental potential.

Why Waterloo Region Should Care

The GTA market always has a ripple effect on us here in Waterloo Region. When Toronto heats up—even modestly—we tend to see:

1. More spillover buyers: GTA buyers priced out of detached homes in Toronto often look westward. That can drive demand in KW, Cambridge, and surrounding towns.

2. Condos vs. Freehold shift: With Toronto condos softening, some investors will look to mid-sized cities like ours where freeholds (and even townhomes) still offer stronger rental upside.

3. Price pressure easing here too: Like the GTA, we’re seeing buyers take a breath. Homes priced realistically are moving; those that overshoot are sitting longer. Expect strategy—not luck—to dictate results.

4. A more balanced fall market: If rates come down this fall, activity here could mirror what we’re seeing in Toronto—more deals, more competition, but still with opportunities for smart buyers and sellers.

👉 Bottom line: GTA momentum signals that real estate isn’t slowing down—just shifting. Waterloo Region will likely feel those ripple effects in the months ahead. If you’re thinking of buying, selling, or investing locally, now’s the time to get strategic.

Let’s plan your move with confidence.
📲 Charlotte: 519-575-1804

#Realtor #realtorlife #realestate #realty #listing #househunting #homesforsale #investmentproperty #luxuryrealestate #locationlocationlocation

Inflation Cools — What It Could Mean for Your Mortgage

Big news this week: Canada’s annual inflation rate cooled to 1.7% in July, down from 1.9% the month before. The main driver? A steep drop in gas prices (down 16.1% compared to last year 🚗⛽).

Why does this matter for you? Because when inflation cools, the Bank of Canada has more wiggle room to consider cutting interest rates. Their next big decision is coming up on September 17, and this new data could push them closer to lowering rates.

The Good, the Not-So-Good

• ✅ Good news: Inflation is falling faster than economists expected. That’s a positive sign for anyone hoping for more affordable borrowing costs.

• ⚠️ Trickier news: Housing costs are still climbing. Rents rose 5.1%, mortgage interest costs went up 4.8%, and property taxes are also up. So while overall inflation is down, the cost of keeping a roof over your head continues to put pressure on families.

What’s Next?

The Bank of Canada is watching a whole batch of reports (jobs, GDP, and another inflation update) before their September decision. They almost cut rates at their last meeting but held off. This new data may make them more confident to pull the trigger.

What This Means for You

If you’ve got a mortgage coming up for renewal, or you’re a first-time buyer watching the market, this is a key moment to pay attention. Even a small rate cut could:

• Lower your monthly payments 💸

• Make qualifying for a mortgage a little easier 🏡

• Open up opportunities to refinance and free up cash flow

👉 Bottom line: We’re not in rate-cut land just yet, but the path is looking clearer. If you’re wondering how a potential cut (or today’s rates) impact your mortgage plans, let’s talk.

Your mortgage, but smarter. 💬
— Charlotte Ferguson, Mortgage Agent Level 2

Neighbourhood Spotlight: Laurelwood in Waterloo

If you’ve been asking, “Where’s the best place to raise a family in Waterloo?” — Laurelwood is almost always on the shortlist. This award-winning neighbourhood blends top-rated schools, endless green space, and family-friendly amenities, making it one of the most desirable communities in the entire Region.

Let’s take a closer look at what makes Laurelwood such a hot spot for buyers and why it might be the perfect place for your next move.

1. Schools That Make the Grade

One of the biggest draws for families is the incredible school catchment. Laurelwood Public School and Sir John A. Macdonald Secondary are consistently ranked among the best in Ontario. Parents moving to Waterloo often search specifically for homes within this boundary.

💡 Pro Tip: Homes zoned for top schools can hold their value better in shifting markets — meaning your investment works harder for you.

2. Parks, Trails, and the Great Outdoors

Laurelwood backs onto Laurel Creek Conservation Area, giving residents direct access to hiking, canoeing, fishing, and birdwatching. Add in the community’s smaller parks, playgrounds, and soccer fields, and it’s a dream for families who love the outdoors.

Imagine finishing dinner, grabbing the kids, and heading out for an evening walk through leafy trails — that’s Laurelwood living.

3. Housing Styles and Price Points

The neighbourhood offers a mix of housing types, from modern detached homes to townhouses and stylish newer builds.

• Detached Homes: $950K–$1.3M+

• Townhomes: $750K–$900K

• Condos: Occasionally available, starting around $600K

While prices here are higher than some other Waterloo neighbourhoods, the demand shows just how valuable the location is.

4. Amenities at Your Doorstep

• The Boardwalk: A short drive away, with shopping, restaurants, and medical facilities.

• Waterloo Public Library – John M. Harper Branch: A local favourite for families.

• Recreation: Sports fields, community centres, and quick access to fitness facilities.

5. Community Vibe

Laurelwood is more than just good schools and pretty houses. There’s a strong sense of community — block parties, active parent groups, and plenty of kid-friendly activities. It’s the kind of place where neighbours know each other, and kids can still ride bikes safely down the street.

Why Buyers Choose Laurelwood

• Top-ranked schools

• Easy access to trails and nature

• Family-friendly vibe

• Strong property values

• Proximity to tech hubs and universities

For families looking to balance lifestyle with investment value, Laurelwood checks every box.

📲 Want to explore homes for sale in Laurelwood? Call Charlotte at 519-575-1804 today. She’ll help you find the perfect fit in one of Waterloo’s most sought-after neighbourhoods.

Central bank releases summary of deliberations as markets closely watch for clues on future cuts

By Jonalyn Cueto

14 Aug. 2025

Share

Newly released deliberations from the Bank of Canada (BoC) reveal that policymakers debated last month whether the central bank’s benchmark interest rate is already low enough to help the economy withstand escalating US tariffs.

The summary of discussions, published Wednesday, covers the lead-up to the BoC’s July 30 decision to keep its policy rate at 2.75%. According to the documents, some members of the governing council questioned if previous rate cuts – seven in a row from June 2024 to March 2025 – had already provided “sufficient support” to guide the economy through its current trade challenges.

Governor Tiff Macklem told reporters after the decision that the bank remains “ready to respond to new information,” particularly developments in Canada-US trade.

Impact of US tariffs still emerging

The rate decision came days before US president Donald Trump increased base tariffs on Canadian goods to 35%, exempting products compliant with the Canada-United States-Mexico Agreement (CUSMA).

While early indicators pointed to resilience – including steady household spending and business investment in the first quarter – BoC members warned that much of the strength was due to companies and exporters moving purchases forward to avoid tariff costs, a temporary effect.

“Given the lagged effects of monetary policy, there was a risk that further easing might take effect only as demand was recovering, which could add to price pressures,” the deliberations state.

Inflation pressures “modest so far”

The bank said it does not expect a sharp rise in inflation directly from US tariffs. Early price effects have been “modest,” though risks remain elevated as businesses adapt supply chains and potentially pass on higher costs.

Deliberations from June 4 show the council was already grappling with a complex economic picture: a Canadian dollar up 4%, a cooling labour market – especially in trade-sensitive industries – and inflationary pressures in services and goods. At that time, core inflation was running above 3%, with members debating whether the increase reflected one-off factors or persistent cost pressures.

September decision looms

The BoC will receive July and August inflation figures before its next rate announcement on September 17.

Some forecasters expect no further rate cuts this year, while others argue that additional easing may be warranted if labour market weakness deepens and inflation remains contained.

For now, the central bank says it will proceed cautiously – balancing the need to support growth with its mandate to keep prices stable.

🔎 Blog Summary from our own @mortgagewithchar

The Bank of Canada debated cutting rates in July but ultimately held steady at 2.75%. Policymakers felt seven prior cuts since mid-2024 may already be providing enough support, especially as the economy adjusts to new US tariffs.

Key takeaways:

• US tariffs: Recently increased to 35% on some Canadian goods, creating uncertainty.

• Economic signals: Household spending and business investment look steady but may be temporarily inflated by companies rushing purchases ahead of tariffs.

• Inflation: Still modest overall, though service and goods prices are showing pressure.

• Labour market: Weakening, particularly in trade-sensitive industries.

• What’s next: The BoC is watching July and August inflation data closely. Next rate decision lands September 17.

Bottom line: The BoC is cautious. No guarantee of more cuts, but they’re keeping the door open depending on how inflation and jobs hold up.