July had a bit of a puzzle in it. Kingston's average sale price jumped over 9% in a single month, but the number of homes that actually sold dropped 16%. Those two numbers moving in opposite directions isn't random, and once you look past the headline figure, it makes a lot of sense. Meanwhile, in Loyalist Township, the average price pulled back even as competition for well-priced homes doubled — a good reminder that the headline number alone rarely tells the full story.

Here's a full breakdown of what actually happened in July 2026 across Kingston, Loyalist Township, Greater Napanee, South Frontenac, Stone Mills, and Gananoque — the real numbers, what's behind them, and what they mean if you're buying, selling, or investing in the region.

The Big Picture: A Balanced Market Taking a Summer Breather

Across the whole Kingston and Area Real Estate Association board, 309 homes sold in July — essentially flat compared to a year ago, down just 0.3%. The average price across the board came in at $658,437, up 7.4% year-over-year. On a seasonally adjusted basis, sales activity was actually up 8.4% from June, which is worth keeping in mind as we go through the individual communities: some of what looks like a monthly decline in the raw numbers is a normal seasonal pattern, not a market genuinely slowing down. July is typically one of our quieter months, as buyers and sellers head off to the cottage or on vacation, and this year was mostly no exception.

One number worth watching closely is months of inventory. We're sitting at 5.0 months right now, up slightly from 4.9 a year ago, and way up from just 1.1 months back in July 2021 at the height of the pandemic market. That's the clearest sign of how much more room buyers have today than they did a few years ago. The sales-to-new-listings ratio backs that up too, coming in at 43.5% this month — a fairly balanced reading compared to the high-70s we saw in July 2021.

What's Behind This Month's Numbers

A Sixth Straight Rate Hold

On July 15th, the Bank of Canada held its key interest rate steady at 2.25% — the sixth hold in a row. That kind of stability tends to keep buyers moving at a measured, steady pace rather than rushing in or pulling back sharply, and it shows up in this month's numbers: activity cooled a bit heading into summer, but nothing looks like a panic in either direction.

Kingston Recognized for Housing Growth

Kingston also picked up some good news on the supply side this month. The city was awarded $3.2 million from the province for exceeding its housing construction targets, part of the broader push to keep pace with population growth here. Homes priced under $750,000 have generally been selling more steadily than homes priced above that threshold, and that pricing dynamic helps explain some of what can look like conflicting price and volume signals in the community numbers below.

Community-by-Community Breakdown

Kingston

Kingston is where this month's headline number lives, so let's unpack it. Average sale price was up 9.1% over June and up 10.3% from a year ago — on the surface, that looks like a hot market getting hotter. But look at what else happened: transaction volume fell 16.0%, and average days on market for homes that sold jumped 38.5% in a single month. That combination — fewer sales, longer to sell, but a higher average price — usually means one thing: the mix of homes that closed this month shifted toward higher-priced properties, not that every home in Kingston suddenly got more valuable. In fact, 29 homes sold over $1 million in July, and eight of those sold over $2 million.

Kingston's average price is up just 0.2% year-to-date, so don't read July's 9% jump as the market suddenly repricing — it's a reflection of which homes happened to close this month. That lines up with the regional pattern mentioned above: homes under $750,000 are generally moving faster, so a month where fewer of those lower-priced homes closed will naturally pull the average up even without home values actually rising broadly. As always, that days-on-market figure only reflects homes that sold; it doesn't include listings still sitting active, which tend to be the ones priced too high.

Loyalist Township

Loyalist Township gives us an interesting contrast to Kingston. The average price actually pulled back 14.4% from June, but the share of homes that sold above their asking price more than doubled, from 7.9% to 20.7%. So fewer homes sold overall — transaction volume was down 23.7% from June — and the average price dropped, but the ones that did sell were more likely to spark competition. It’s not a coincidence that the 14% price drop is close to the 13% reduction in the HST on new-build homes - new builds are a significant portion of home sales in Loyalist. That tells us buyer demand for the right property in Loyalist hasn't gone anywhere; it's just concentrated on a smaller set of well-priced listings this month rather than spread across the whole market. The bottom line for sellers here: price it accurately and you can still see multiple offers, even in a slower month. For buyers, be ready to move quickly when the right listing shows up, because those are exactly the ones drawing competition.

One more thing worth flagging, and I'll say up front that this is anecdotal, not something showing up in the average price numbers yet: looking at individual sales rather than aggregate figures, I'm starting to see a handful of homes here that last sold in 2021 or 2022, near the peak of the market, coming back on the market now for less than what the owner originally paid. Loyalist has a fair amount of new-build inventory, and since the HST rebate on new homes only applies to new construction and not resale, some buyer demand is shifting toward those new builds, which can add pressure on comparable resale homes competing against them. Loyalist's year-to-date average price is basically flat, so this isn't a market-wide trend the numbers confirm — but at the individual sale level, it's a pattern worth watching, and it can be a sign that some sellers are under real financial strain.

Greater Napanee

Napanee is the market that bucked the summer slowdown. Transaction volume was up nearly 32% from June and slightly ahead of where it was a year ago too. But there's a catch, and it's a big one: average days on market for homes that sold jumped to 65 days — by far the longest of any market we cover this month. And it's not a one-month blip; Napanee's year-to-date average days on market is running 27.1% ahead of last year. Remember, that figure only counts homes that actually sold — it doesn't include listings still sitting active, so the real gap between well-priced and overpriced homes in Napanee is likely even wider than it looks. If you're selling in Napanee right now, pricing accuracy matters more here than almost anywhere else in the region. Homes are moving, but buyers are taking their time.

As with Loyalist, looking at individual sales rather than the averages, a portion of the homes trading in Napanee right now last sold back in 2021 or 2022, closing for less than the original purchase price. Napanee also has a good amount of new-build inventory, so the same dynamic applies — new construction is getting more competitive against resale. Napanee's year-to-date average price is actually up over 5%, so again, this isn't something the numbers confirm at a market level; it's an observation worth watching rather than a broad market trend.

South Frontenac

Cottage season keeps carrying South Frontenac. Average price is up 9.5% from a year ago, transaction volume is up 20.6% year-over-year, and homes are selling much faster than they did last July — average days on market is down 38.2% from a year ago. Terminations, listings that were cancelled or expired, are up noticeably year-to-date, so not everything is moving. But for well-positioned properties, especially waterfront and cottage-adjacent listings, this remains one of the strongest, fastest-moving markets in the region.

Stone Mills

Quick note before getting into Stone Mills: this is a low-volume market, so a single month's numbers can swing hard based on just a handful of sales. With only 14 transactions in July, one or two lower-priced properties closing can pull the average down sharply, and that's exactly what we saw — a 27.1% monthly drop. I wouldn't read too much into that one-month figure. Year-to-date, average price is down a more modest 4.4%, and that's a far more reliable read on where Stone Mills is actually trending.

Gananoque

Again, Gananoque's monthly transaction volume is low enough that it's best to default to year-to-date figures rather than a single month. Through July, average price is up over 10% year-to-date, and median price is up a little more than 8%. But transaction volume is down almost 12% over the same period last year. Fewer sales pushing a higher average is again a mix-shift story more than a broad repricing, so treat this as directional for Gananoque rather than a precise read on values.

What This Means for Buyers, Sellers, and Investors

Buyers

•  Several markets are giving buyers more breathing room this month — longer days on market and fewer competing offers in Kingston, Loyalist, and especially Napanee open a real window to negotiate.

•  Homes priced under $750,000 continue to move more steadily than higher-priced properties across the region.

•  If the right home in Loyalist or South Frontenac comes up, be ready to move quickly — those are the listings drawing multiple offers.

Sellers

•  Accurate pricing still wins. The homes moving fastest and drawing multiple offers, whether in Loyalist or South Frontenac, are priced to market from day one.

•  Overpricing this time of year, when so many buyers are away, is the fastest way to end up sitting — Napanee's numbers this month are a good reminder of that.

•  Don't stop at the average sale price when setting expectations: Kingston's headline jump was a mix shift, not a signal that every home gained value.

Investors

•  Watch Loyalist and Napanee for the individual-sale pattern of homes reselling below their 2021–2022 purchase price — still anecdotal and not confirmed in board-wide data, but worth tracking.

•  South Frontenac remains the most consistent momentum story in the region this month, particularly for waterfront and cottage-adjacent properties.

•  Treat Stone Mills and Gananoque figures with extra caution given how few transactions occur there each month; year-to-date numbers are the more reliable read.

Let's Talk About Your Move

If there's one thread that ties every market together this month, it's this: don't stop at the average. Kingston's price jump was a mix shift, not a repricing. Loyalist's price dip came with a jump in bidding wars on well-priced homes. And Napanee's rising sales came with buyers taking a lot more time to commit. The number on the surface rarely tells the whole story — it's how these figures move together that matters.

Whether you're buying, selling, or just keeping an eye on the Kingston-area market, I'd love to talk through what July's numbers mean for your specific situation. Reach out any time.

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If you're considering a newly built home in Kingston or the surrounding area, the process looks quite different from buying resale. New construction comes with its own contracts, its own warranty system, its own rebate programs — and its own rules around when (and whether) you can change your mind. Here's what you need to know before you sign.

Hire Your Agent Before You Visit the Showroom

This is one of the most overlooked — and most costly — mistakes new-build buyers make. The order of operations matters.

In most cases, the builder pays the buyer's agent commission, not you, so having your own representation typically costs you nothing extra. But here's the catch: many builders will only honour that commission if your agent registers you before you visit the sales centre or sign in at the showroom. If you walk in on your own, browse, and register your name and contact information first, some builders will treat you as their lead and refuse to pay a commission to an agent you bring in afterward.

The fix is simple: line up a buyer's agent first, and let them register you with the builder before your first visit. That way, you get independent advice on pricing, lot selection, and contract terms throughout the process — and in most cases, it doesn't cost you a thing, because the builder is covering the fee regardless.

Start With the Contract, Not the Showroom

The biggest mistake new-build buyers make is treating the builder's sales office like a resale showing. The Agreement of Purchase and Sale (APS) you'll be asked to sign is written by the builder's lawyer, and it's considerably more one-sided than the standard Ontario Real Estate Association agreement used in resale transactions. Before you sign anything, pay close attention to:

- Closing date flexibility. Builders often reserve the right to push back occupancy and final closing dates.

- Development levies and adjustments. Many of the costs that surprise buyers at closing — development charges, utility hookups, Tarion fees — are buried in the fine print, not the listed price.

- HST treatment. Make sure the contract is clear on how any rebate is being handled (more on this below).

- Upgrade pricing schedules. "Schedule A/B" pricing for finishes and options can add up fast.

Have your own real estate lawyer review the APS before you sign — not after. This matters even more on new construction than resale, for reasons we'll get into shortly.

Can You Negotiate With a Builder?

Often, yes — more than buyers expect, especially in a balanced or softer market. The most common areas of flexibility are:

- Price, particularly on unsold inventory homes or units later in a phase release

- Free upgrades (appliances, flooring, finished basements) — often easier for a builder to concede than a price cut, since it doesn't appear as a discounted comparable sale on record

- Closing date flexibility and deposit structure

- Lot premiums on less desirable lots

Your leverage is strongest when a builder has completed, unsold inventory sitting on the books, or when a phase has been slow to sell. It's weakest during a hot pre-construction launch with multiple buyers competing for the same unit.

The Tarion Warranty: What It Covers

Every new home built by a licensed Ontario builder is automatically enrolled in the Tarion New Home Warranty — there's no extra cost to you, as it's built into the builder's enrolment fee. Coverage breaks down into tiers:

- Year 1: Defects in work and materials, and that the home is fit for habitation

- Years 1–2: Water penetration, electrical, plumbing, HVAC, and Ontario Building Code violations

- Years 1–7: Major structural defects

- Deposit protection: Up to $100,000 if the builder becomes insolvent before closing

- Delayed closing compensation: If the builder misses agreed-upon dates

The catch is timing. You need to register any defects through Tarion's portal within specific reporting windows (30-day, year-end, and second-year forms). Miss the window, and you may lose your right to claim on that issue — so mark your calendar the day you take possession.

Is There a Cooling-Off Period?

This is one of the most misunderstood parts of buying new in Ontario, because the answer depends on what you're buying.

Pre-construction condominiums: Yes. Under the Ontario Condominium Act, buyers have a statutory 10-day rescission period from the date they receive a fully signed agreement (or the required disclosure documents, whichever is later). You can cancel for any reason during that window, no penalty, full deposit refunded — and the builder cannot remove this right from the contract.

Freehold new builds — detached, semi-detached, townhomes: No. There is no provincial cooling-off period for freehold construction. Once you sign, you're bound by the agreement unless the builder has voluntarily included a rescission clause (some do during competitive launches, but it's optional), or you've negotiated a financing or lawyer-review condition into the offer itself.

The practical takeaway: with a freehold new build, review before you sign — there's no built-in second chance once your signature is on the page.

Current Buyer Incentives: The HST Relief Window

As of 2026, there's a significant — and time-limited — opportunity for new home buyers in Ontario tied to HST relief on new construction:

- Federal First-Time Home Buyers' GST/HST Rebate: Eliminates up to 100% of the federal GST/HST portion (up to $50,000) on new homes priced up to $1 million for first-time buyers, phasing out between $1M and $1.5M. Applies to agreements signed on or after March 20, 2025.

- Ontario's temporary expanded HST rebate: Rebates up to $80,000 of the provincial portion on homes up to $1 million, available to all buyers — not just first-time buyers — for agreements signed between April 1, 2026 and March 31, 2027.

- Combined potential relief: Up to $130,000 for an eligible first-time buyer on a $1 million new home.

A few important notes:

- This applies to new construction only — resale homes aren't subject to HST, so there's no rebate to claim.

- The federal portion has Royal Assent and is currently claimable; the Ontario provincial portion is still moving through the legislative process as of this writing, so confirm exactly how a specific builder is structuring the rebate in your contract.

- Because the Ontario portion of this program is explicitly temporary, expect strong buyer activity through the window — and the possibility of a demand pullback once it closes.

Given how quickly the details here are evolving, I'd treat this as a starting point for a conversation rather than the final word — your lawyer or accountant should confirm the specifics before you rely on any number.

The Bottom Line

Buying new construction in Kingston can be a great option, but it rewards buyers who do their homework upfront: read the contract before you sign, bring your own representation, understand exactly what your Tarion warranty does and doesn't cover, and know whether (or whether not) you have a cooling-off period before you commit.

If you're weighing a new build against resale in the Kingston area — or want a second set of eyes on a builder's contract — I'm happy to help you think it through.

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A home inspection is a professional visual assessment of a property's condition — and one of the most important steps in the home buying process. You've found a home you love, your offer has been accepted, and now it's time for the home inspection. For many buyers — and sellers — this step stirs up anxiety. What will the inspector find? Will the deal fall apart? Should the seller fix everything on the list?

Let's take a deep breath and set some realistic expectations, because understanding what a home inspection actually is (and isn't) can make the entire process far less stressful.

What Is a Home Inspection?

A home inspection is a visual assessment of a property's condition at a specific point in time. A licensed home inspector walks through the property and evaluates the major systems and components of the home — not to assign a grade, but to give buyers and sellers an informed picture of what they're working with.

Think of it less like a pass/fail exam and more like a wellness check-up. The doctor isn't looking to declare you perfectly healthy — they're looking to flag anything that needs attention.

What's In the Inspector's Scope?

A standard home inspection typically covers the following:

Structural Components The inspector evaluates the visible foundation, walls, floors, ceilings, and roof structure for signs of movement, settlement, or damage.

Roofing This includes the condition of shingles or other roofing materials, flashing, gutters, downspouts, and visible signs of leaking or deterioration.

Exterior Siding, trim, windows, doors, decks, walkways, grading (how the ground slopes away from the house), and drainage are all assessed.

Electrical System The inspector looks at the main panel, visible wiring, outlets, switches, and fixtures to identify any safety concerns or outdated components.

Plumbing Supply lines, drains, water heaters, visible pipes, toilets, faucets, and fixtures are checked for leaks, corrosion, water pressure, and proper function.

Heating and Cooling (HVAC) The furnace, air conditioner, ductwork, and thermostats are tested to verify they operate as intended.

Insulation and Ventilation Accessible attic and crawlspace areas are inspected for adequate insulation and proper ventilation, which affect both energy efficiency and moisture control.

Interior Walls, ceilings, floors, windows, and doors are examined for damage, moisture intrusion, and proper operation.

What's NOT In the Inspector's Scope?

This is equally important to understand. A home inspector is a generalist — a trained eye, not a specialist. There are many things a standard inspection does not include:

• Behind walls, under floors, or above ceilings — Inspectors assess what is visible and accessible. They are not destructive.

• Septic systems and wells — These typically require separate, specialized inspections.

• Swimming pools and hot tubs — Usually excluded unless specifically added to the inspection.

• Chimneys and fireplaces — A basic visual check may be done, but a full chimney inspection requires a certified chimney sweep.

• Pests and wood-destroying organisms — Termite or pest inspections are separate services.

• Mold and air quality — Unless visible mold is noted, testing for indoor air quality or hidden mold is a separate process.

• Underground oil tanks or environmental hazards — Radon, asbestos, lead paint, and similar concerns fall outside a standard inspection.

• Appliance warranties or product recalls — Inspectors may note whether appliances function, but they don't research recall status.

If any of these areas concern you, ask your real estate agent about arranging specialized inspections in addition to the standard one.

No House Gets a Perfect Score — And That's Okay

Here's one of the most important things to understand about home inspections: every house will have deficiencies noted. Every single one.

It doesn't matter if the home was built last year or 100 years ago. Whether it's a brand-new construction or a beloved family home that's been meticulously maintained for decades, the inspector will find items to flag. This is the nature of homes — they are living, breathing structures that age, settle, shift, and wear over time.

The goal of a home inspection is not to produce a perfect report. It's to produce an honest one.

The 1% Rule: A Practical Benchmark

So how do you know if what the inspector finds is "normal" or cause for real concern?

A useful benchmark that many experienced real estate professionals refer to is the 1% rule: if the total cost of repairs identified during an inspection comes to less than 1% of the purchase price of the home, the findings are generally within a reasonable range that you can expect to deal with in the next year or two.

For example, on a $500,000 home, that's $5,000 or less in repairs. On a $300,000 home, it's $3,000 or less.

That doesn't mean you ignore the report — far from it. It means you put it in perspective. Some of what gets flagged will be minor maintenance items that any homeowner deals with over time. Caulking around a tub. A slow drip under a sink. A missing weatherstrip on a door. These are normal findings, not red flags.

What You're Actually Looking For

The purpose of reviewing an inspection report is to identify the items that genuinely matter — the ones that affect safety, structural integrity, or involve significant cost. These might include:

• Evidence of active water intrusion or foundation movement

• Outdated or unsafe electrical systems (knob-and-tube wiring, aluminum branch wiring, overloaded panels)

• A failing roof that needs replacement in the near term

• A furnace or water heater at end of life

• Plumbing with significant leaks or code issues

• Structural issues

These are the items worth having a conversation about. Minor maintenance findings? Those are part of owning any home.

The Inspection Isn't a Shopping List for the Seller

One of the most common missteps in the inspection process is treating the report as a checklist of demands to send to the seller. This approach often backfires — it can create friction, derail negotiations, and frankly, it misses the point.

We go into every inspection knowing that all houses need some degree of repair and maintenance. That's not a surprise — it's the reality of homeownership. Asking a seller to fix every minor item flagged in the report is a bit like buying a used car and demanding the seller replace the wiper blades and touch up every stone chip before you'll take delivery.

The more productive approach is to focus your negotiation energy on the significant findings — the ones with real cost or safety implications — and let the routine maintenance items go. A seller who sees a list of 40 items is going to respond very differently than one presented with 3 specific concerns.

A Final Word

A home inspection is a great investment in the buying process. It gives you clarity, protects you from major surprises, and helps you plan for the years ahead as a homeowner.

Go into it expecting to find some things. Go into it knowing that's normal. And use what you learn to make smart decisions — not to chase a perfect score that no home has ever earned. 

Note: At time of writing, a home inspection in the Kingston area costs about $500 + HST. 

Ready to Find Your Perfect Home?

We would love to help you get there. Whether you're just starting your search or you're ready to make an offer, we are here to guide you through every step of the process — including the inspection.

And when the time comes, we can recommend some excellent local Kingston home inspectors who are thorough, professional, and great at helping buyers truly understand what they're looking at. Having the right inspector in your corner makes all the difference.

Reach out anytime — we'd love to hear from you.

March is behind us, and if you've been watching the headlines — or just trying to figure out what's going on with the housing market — I want to give you a straightforward, honest read on what I'm seeing on the ground here in Kingston and the surrounding area.

Kingston's average sale price sitting at $585,993 — down 12.2% year over year — might look alarming at first glance. But here's the context: we're comparing against a period when prices were running very hot. This is a correction to a more sustainable level, not a market in freefall.

Homes are still selling. The average Kingston property is moving in 37 days. That's not a dead market — that's a market where pricing strategy matters. Sellers who come in realistic are transacting. Those who price to 2025 peak levels are sitting.

Napanee is genuinely interesting right now. A 21% jump in average price alongside an 18% jump in sales tells me buyers are recognizing value there and acting on it. Loyalist is showing similar stability with modest price gains.

The rural markets — South Frontenac, Stone Mills, Gananoque — are softer, and smaller transaction volumes mean the numbers swing more dramatically. I wouldn't read too much into one month's data for those areas, but the trend is clear: recreational and rural properties are sitting longer.

Who's Actually Active in This Market?

The most active segment right now is first-time buyers. Younger purchasers — many who have been diligently using the First Home Savings Account (FHSA) to accumulate a tax-advantaged down payment — are finally finding conditions workable. Interest rates have moderated enough that the $400,000–$550,000 price range produces a manageable monthly payment for qualified buyers.

The City of Kingston First-Time Home Buyer Incentive (shared equity program) continues to offer another lever for eligible buyers, helping stretch purchasing power without a dramatically larger mortgage.

There's also significant excitement about the new HST rebate program on new home purchases. This is a real and meaningful incentive for anyone considering a new build — though the implementation details are still being finalized. I'll be sharing updates on this the moment we have clarity, so make sure you're subscribed to stay informed.

The Squeeze in the Middle

Here's the dynamic that doesn't make headlines but is very real: move-up buyers are caught in the middle.

If you already own a home and need to sell before you can buy your next one, you're navigating two uncertainties simultaneously. Your existing home may take longer to sell in the current environment. And you're understandably nervous about committing to a new purchase before you have a firm deal on your current one.

This hesitation is keeping some transactions from happening — and I get it. But there are smart ways to manage this: bridge financing conversations with your lender, conditional offers, and working with an agent who can align both timelines. It's not impossible — it just requires more planning than it did two years ago.

My Honest Take on the Market

There's a lot of noise right now. Economic headlines. Global uncertainty. Interest rate speculation. It can feel like the smart move is to wait and see what happens.

In my experience, waiting for certainty rarely pays off in real estate. By the time the picture is perfectly clear, the opportunity has usually shifted.

If you're a first-time buyer in that $400,000–$550,000 range, this window is worth taking seriously. You have more inventory to choose from, sellers who are willing to negotiate, and programs designed specifically to help you get in. You won't time the absolute bottom — nobody does — but the conditions are more buyer-friendly than they've been in some time.

If you're a seller, the single most important thing you can do is price it right from the start. A well-priced home in Kingston is still moving in just over five weeks. An overpriced home sits, accumulates days on market, and often sells for less than it would have if it had been priced correctly on day one.

If you're somewhere in the middle — thinking about upsizing, downsizing, or making a move but not sure if the timing is right — let's have a real conversation. Not a sales pitch. A conversation about your specific situation and what makes sense for you.

Let's Talk

Questions about your neighbourhood, your home's current value, or what your next move should look like? Reach out — I'm always happy to chat.

And if this kind of real, no-fluff market analysis is useful to you, subscribe to the blog and our YouTube channel so you never miss a monthly update.

If you live in or around Kingston, Amherstview, or Odessa, you've probably noticed how many new subdivisions have popped up in recent years—Woodhaven, Loyalist, and others are full of back hoes, fresh lawns, and "Just Listed!" signs. And now, there's a major new development: on March 25, 2026, the Ontario and federal governments jointly announced a significant expansion of the HST rebate on newly built homes. It's the kind of policy that's creating buzz at open houses and kitchen tables all over the region—and if you're thinking about buying or selling, the details matter.

The Big Win for New-Home Buyers

The rebate is designed to ease affordability challenges by refunding the full 13% HST on new-construction purchases for eligible homes. For homes valued up to $1 million, buyers can save up to a maximum of $130,000—making a brand-new home suddenly more within reach. That maximum $130,000 rebate is also maintained for homes priced between $1 million and $1.5 million, though it no longer offsets the full HST bill at those prices. For homes between $1.5 million and $1.85 million, a declining partial rebate still applies.

For local buyers eyeing that four-bedroom in Woodhaven or a townhome in Amherstview, this could be a real advantage, especially when every extra bit of savings helps offset rising borrowing costs.

Important: this rebate is temporary. To qualify, your purchase agreement must be signed between April 1, 2026 and March 31, 2027—a one-year window. If you're considering a new build, timing is everything.

Who Qualifies?

This is a meaningful expansion from previous programs. Before this announcement, the more generous HST rebate was only available to first-time buyers purchasing a home as their primary residence. The new program extends eligibility to:

• Repeat buyers purchasing a new home as their primary residence

• Some investors purchasing properties for long-term residential rental use (subject to specific construction and completion deadlines)

One important caveat: the changes are part of Ontario's 2026 Budget and are subject to passage of federal legislation. The core structure is clear, but some finer application details are still being confirmed. Buyers should treat their purchase agreement as a tax document and work closely with their builder, lawyer, and accountant to ensure they qualify.

The Challenge for Sellers of Nearly-New Homes

For sellers in newer subdivisions, things are getting more competitive. Think of homeowners who bought only a couple of years ago and are now looking to move. They're listing their resale home, but builders just down the street have shiny, never-lived-in models with a rebate of up to $130,000 attached.

That puts resale homes—especially those built within the last five years—in a tougher position. Buyers comparing options might find the rebate on a new build too tempting to pass up. Sellers will need to highlight their home's advantages—like finished basements, mature landscaping, established neighbourhoods, or quicker move-in timelines—to stand out from the crowd.

A Changing Kingston Market

Locally, this could shift some demand toward new-build communities like Woodhaven, Lakeside Ponds, or Riverview. Resale homes nearby may need sharper marketing strategies and price positioning to remain competitive. But the overall upside is that more buyers—not just first-timers—might find a pathway into homeownership, which is a welcome development in a market that desperately needs options.

Final Thoughts

This rebate is one of the most significant housing affordability measures Ontario has seen in years, and the one-year window means the next twelve months could be unusually active for new construction sales in Kingston and the surrounding area. Whether you're a buyer trying to time your purchase, or a seller figuring out how to position your home in a changing market, now is a great time to get informed and get moving.

Disclaimer: This article is for informational purposes only and should not be considered financial or legal advice. The HST rebate program is subject to federal legislation and eligibility conditions that may evolve. Every buyer and seller's situation is unique. If you'd like to understand how the HST rebate might affect your next move, reach out—we can connect you with trusted mortgage and legal professionals who can offer tailored guidance.

1. Introduction: The Down Payment Hurdle

In the current real estate climate, the "rent trap" is a reality for many hardworking residents of Kingston and Frontenac County. The challenge isn't usually the ability to carry a monthly mortgage; it’s the monumental task of saving a five-figure down payment while simultaneously battling rising rental costs. As a real estate agent, I’ve seen many potential buyers sidelined simply because they lack that initial capital injection.

The 2026 Kingston and Frontenac Home Ownership Program is the transformative solution we’ve been waiting for. This isn't just a grant; it’s a strategic "leg up" designed to move you from the sidelines into your own front door. By dismantling the down payment barrier, the City is providing a path to equity that would otherwise take years—or even decades—of disciplined saving to achieve.

2. Takeaway 1: A Substantial Financial Head Start

The core of this program is a powerful boost to your purchasing power. By providing a significant portion of your down payment, the program increases your leverage with lenders and can substantially lower your monthly carrying costs by reducing your total mortgage principal.

"The maximum funding is 10 per cent of the home's purchase price, up to $37,500."

From a strategist's perspective, $37,500 is more than just cash—it’s a way to potentially avoid high-ratio mortgage insurance premiums or to qualify for a more stable home that fits your long-term needs. This funding allows you to enter the market sooner, capturing appreciation early rather than chasing a moving target.

3. Takeaway 2: The 20-Year Path to Forgiveness

The structure of this assistance is unique and requires a long-term mindset. It is not a gift, but an investment in your residency within our community.

"It is a 20-year interest-free forgivable loan registered on the property's title."

Strategic Insight: You must view the City as an equity partner. If you remain in the home as your principal residence for the full 20 years, the loan is forgiven entirely—a 100% gain for you. However, if you sell or move out before that 20th anniversary, the "gotcha" applies: you must repay the original loan plus 10% of any capital appreciation. Essentially, if your home’s value grows, the City shares in that profit. The winning strategy here is clear: buy a home you can see yourself in for two decades to keep every cent of that equity for yourself.

4. Takeaway 3: Broad Eligibility with Strict Guardrails

The program is designed for modern, middle-income households, but the criteria are rigid. I must highlight that this program is strictly for those who can qualify for a mortgage on their own merit.

• Residency & Status: You must currently live in Kingston or Frontenac County and be a Canadian Citizen or Permanent Resident.

• First-Time Buyer: You cannot currently own property or have participated in this program previously.

• Income Caps: Gross household income is capped at $95,000 for one-person households and $130,000 for two-person households.

• Asset Limit: Your combined assets must not exceed $50,000.

Strategic Warning: The Co-Signer Ban

One of the most critical "deal-breakers" in the guidelines is that applications supported by a co-signer or guarantor are ineligible. You must be able to secure a mortgage pre-approval from an approved lender (bank, credit union, or MIC) based solely on the income of the residents who will live in the home. Additionally, be aware that while RRSPs and RESPs are exempt, funds in TFSAs and FHSAs are included in your $50,000 asset limit.

5. Takeaway 4: Flexibility and Its Limits

The program covers a wide range of lifestyles, with a maximum purchase price of $500,000. Eligible units include detached homes, semis, townhouses, and condominiums. However, there are several exclusions and requirements you must plan for:

• Ineligible Properties: Mobile homes and multi-residential properties do not qualify.

• The Inspection Rule: For all resale homes, a professional home inspection is mandatory, and you must provide the report to the City.

• Program Exclusions: This funding cannot be combined with the Kingston-Frontenac Renovates Program.

Pro Tip: Do Not Sign Prematurely

Applicants who make an official offer on a property before receiving written application approval are automatically disqualified. You must have your Letter of Conditional Approval in hand before you sign an Agreement of Purchase and Sale.

6. Takeaway 5: The "First-Come, First-Served" Clock

This is a high-stakes race. Funding is limited, and the clock starts on Wednesday, April 1, 2026, at 8:30 a.m.

The most important strategic advice I can give is this: An incomplete application is a wasted application. You will not secure a spot in line until every piece of documentation is submitted. Use the time leading up to April to gather your "Submission Ready" folder:

• Proof of Status: Birth certificates or Passports for all owners.

• Tax Records: 2024 or 2025 Notices of Assessment (NOA) for all adults.

• Bank Statements: The two most recent months for all accounts (including TFSA/FHSA).

• Mortgage Pre-Approval: A signed letter from an approved lender (no private/unregulated lenders).

"Approved applicants... have 90 days to provide a purchase agreement; the closing date of the purchase may be beyond the 90 day date."

Once you are approved, you have a 90-day window to find your home. If you miss this window, the funding commitment is withdrawn.

7. Conclusion: Moving Toward Your Future

The 2026 Home Ownership Program is a rare opportunity to bypass the hardest part of the home-buying process. By staying the full 20 years, you aren't just securing a roof over your head; you are executing a financial strategy that builds significant wealth for your future.

As you prepare for the April 1st deadline, ask yourself: Where could you be by the 20th anniversary of your first home? With $37,500 in assistance and a clear-eyed strategy, that future is closer than you think.

Ready to start? We can help!

• Visit the City of Kingston website to learn more

• Contact us and we will connect you with a lender so that you can start your pre-approval

• Let’s meet for a buyer consultation - this will prepare you to search and find a home that meets all the program criteria

Kingston Homes <$500,000

Frontenac Homes <$500,000

If you already own a home in Kingston and area and you’re thinking about moving, you’re not alone in feeling unsure about the logistics.

We hear this all the time:
“I’d move… but how does it actually work if I have to sell and buy at the same time?”

The good news? It’s completely manageable. The key is understanding the sequence, the risks, and your options before you jump in.

Here’s how we guide our clients through it.

 Step 1: Start With a Clear Game Plan

Before you look at homes, we recommend sitting down and mapping out:

• Your home’s likely market value

• Your estimated net proceeds after closing costs

• Your mortgage situation (penalties, portability, timelines)

• Your ideal timing

We’ll leave financial advice to your mortgage broker or financial advisor, but from a real estate perspective, clarity is everything. When you know your numbers, you make better decisions.

Step 2: Decide Your Order of Operations

There are generally three approaches:

Option 1: Sell First, Then Buy - The most conservative approach.

Pros:

• You know exactly how much money you have.

• No risk of owning two homes.

• Strong negotiating position when buying.

Cons:

• You may need temporary housing.

• You may feel pressure to find something quickly.

This works especially well in balanced or slower markets.

 Option 2:  Buy First, Then Sell - Higher risk, higher flexibility.

Pros:

• You secure the home you love.

• No need for temporary housing.

Cons:

• You may carry two properties.

• Financing can be more complex.

• Pressure to sell quickly.

This can work in a strong seller’s market — but it requires careful planning.

 Option 3:  Conditional Purchase (Sale of Buyers’ Property Clause)

You make an offer on a new home conditional on selling your current one.

Pros:

• Reduces financial risk.

• Protects you from owning two homes.

Cons:

• Less competitive in multiple-offer situations.

• Some sellers won’t accept this condition.

This approach depends heavily on current market conditions in Kingston and area.

Our Best Advice: Don’t Close Both Transactions on the Same Day

We strongly advise against closing your sale and purchase on the exact same day.

Here’s why:

• If funds from your sale are delayed (even by hours), your purchase can’t close.

• A delay in the buyer’s financing can ripple into your purchase.

• Movers can’t unload if keys aren’t released.

• You could end up in a legal and financial mess that’s completely avoidable.

Instead, we typically recommend closing your sale first and your purchase a few days later.

Yes, that means a short gap.
Yes, it may require temporary storage or creative moving logistics.

But that small buffer dramatically reduces stress and risk.

In our experience in Kingston and surrounding communities, that cushion is worth it every time.

 What About Bridge Financing?

If you’ve sold your home firm and purchased another, but the closings don’t align perfectly, your lender may offer bridge financing.

Bridge financing can:

• Allow you to access equity from your sale early.

• Help you close on your new home before your sale funds arrive.

Your mortgage broker is the right person to advise you here, and we’re always happy to connect you with trusted local professionals.

 What Makes This Process Easier

In Kingston and area — whether you’re moving within the city, heading to Amherstview, Napanee, Gananoque, or beyond — smooth transitions usually come down to preparation and coordination.

Here’s what truly helps:

• Pre-listing prep before you shop. Get your home photo-ready, staged, and market-prepared early so you can move quickly once you find the right property.

• Clear pricing strategy. Overpricing delays your ability to buy confidently. Strategic pricing gives you control over timing.

• Flexible closing dates built into negotiations. We negotiate timelines intentionally to reduce overlap risk.

• Strong communication between all parties. Realtors, lawyers, lenders, and buyers all need to be aligned. We stay in front of those conversations so you’re not chasing updates.

• A backup plan. Temporary accommodation, short-term storage, or family support options are discussed before they’re needed — not during a crisis.

• Realistic market expectations. Understanding inventory levels and competition prevents rushed decisions.

When you plan ahead, the process feels organized instead of overwhelming.

Bottom Line

Buying when you already own a home isn’t risky — doing it without a plan is.

If you’re even thinking about a move in Kingston and area this year or next, the smartest first step is a conversation.

We can map out your options, timelines, and strategy long before you list.

When you buy a home, your lender may suggest adding mortgage life insurance to your mortgage. It sounds like an easy add-on — who doesn’t want peace of mind knowing their family would be protected if something happened?

But here’s what most people don’t realize: a standalone life insurance policy usually offers better protection, more flexibility, and greater long-term value.

1. You Decide Who Benefits

With lender-provided mortgage insurance, if you pass away, the payout goes directly to your bank — not your loved ones.

When you own your own life insurance policy, your family receives the funds and decides how best to use them. They might pay off the mortgage, cover daily expenses, or invest for the future. That flexibility makes all the difference.

2. Your Coverage Doesn’t Shrink While You Pay the Same

Mortgage insurance only covers what’s left on your loan. As you pay it down, your coverage drops, but your premiums stay exactly the same — you pay the same for less.

Term life insurance works differently: the coverage amount stays level for the full term (like 20 or 30 years), no matter how small your mortgage balance gets.

3. It Ends When the Mortgage Ends

Once your mortgage is fully paid off, lender insurance disappears. The coverage ends automatically, and there’s nothing left to show for all those years of premiums.

Your own life insurance, on the other hand, continues providing coverage after the mortgage is gone. You can maintain it to help with other goals, like income replacement, retirement planning, or leaving a financial cushion for your family.

4. You Stay in Control

Mortgage insurance is tied to your lender. If you refinance or switch banks, it often ends — meaning you’ll have to reapply, and possibly pay more.

Personal life insurance belongs to you. It stays in place no matter where you bank, refinance, or live.

5. You Usually Get More for Less

Independent life insurance typically gives you more coverage for a lower premium. Instead of just protecting your mortgage balance, you can choose a policy amount that supports your family’s entire financial picture — not just the house.

6. Underwriting Happens Upfront — and That’s a Good Thing

Mortgage life insurance often has little screening upfront, but this can backfire. If you pass away, the insurer may investigate your health history and could reject the claim if something was missed.

Individual life insurance policies are fully underwritten before approval, so once your policy is in place, you can be confident your loved ones are protected — no surprises later.

The Takeaway

Mortgage life insurance may sound convenient, but it’s designed to protect the lender. A personal life insurance policy protects you and your family — ensuring your coverage stays stable, portable, and flexible, often at a lower cost.

If you’re buying a home or reviewing your mortgage, it’s worth speaking with an independent insurance advisor to find coverage that fits your life, not just your loan.

Disclaimer: We are not insurance experts or financial advisors. This information is intended for general educational purposes only and should not replace advice from a licensed insurance professional or financial planner.

If buying a home in the Kingston area is on your radar for 2026, the smartest move you can make is starting before you ever book a showing. The buyers who feel the most confident—and make the best decisions—are almost always the ones who planned ahead.

Why early planning matters

When you’ve already done the groundwork, you’re not scrambling when the right property comes along. You understand your options, you know what matters most to you, and you’re able to move forward thoughtfully instead of emotionally. That confidence makes a real difference in competitive situations and helps you avoid buyer’s remorse later.

Mortgage prep (without the pressure)

We’ll leave financial advice to your mortgage broker or financial advisor, but from a real estate perspective, clarity is key. Getting a pre-approval is a key first step. Knowing your comfortable price range, how different purchase prices affect your monthly costs, and what flexibility you have puts you in a much stronger position once you start viewing homes. We’re always happy to recommend trusted local mortgage professionals if you need a starting point.

Smart searches beat endless scrolling

One of the biggest mistakes buyers make is relying solely on public listing sites. Successful buyers are using custom, neighbourhood-specific searches that match how they actually want to live—not just how many bedrooms they need.

We help buyers fine-tune searches based on:

• Neighbourhood preferences

• School zones

• Waterfront vs. town/city vs. rural living

• Property type and long-term lifestyle goals

That way, when a new listing hits the market, you’re seeing it immediately—and you already know whether it’s worth a closer look. Not to mention Exclusive Listings that can no longer be publicly advertised. If we know what you’re looking for, we can keep an ear to the ground and give you the inside scoop. 

Local competition isn’t one-size-fits-all

Buying in Kingston looks very different from buying in Amherstview, Bath, Stone Mills, Gananoque, or the surrounding rural areas. Some neighbourhoods move quickly with multiple offers, while other areas reward patience and timing (although we know some of that is based on pricing strategy!).

Understanding these micro-markets—rather than reacting to broad headlines—is one of the biggest advantages of working with a local team that watches this market every day.

A simple first step

If 2026 is your buying year, getting set up early costs nothing and gives you clarity. A personalized home search lets you learn the market quietly, track patterns, and be ready when the right opportunity appears.

👉 Sign up for our VIP Home Search to receive listings tailored to your neighbourhood preferences, lifestyle goals, and timeline—before you ever feel rushed, or create your own custom search right here. If you’d like to book a buyer strategy session, contact us. And don’t forget to check out our free Buyer Resources and our Moving to Kingston Resources page.

Short answer: it’s helpful… but it shouldn’t hold your cheque.

If you’ve Googled—or asked ChatGPT—questions like “Is now a good time to buy in Kingston?” or “What should I list my home for?” you’re not alone. More buyers and sellers in Kingston and area are turning to AI as a kind of real estate advisor or coach.

And honestly? That makes sense.

AI is fast, available 24/7, and very good at explaining things clearly. But when it comes to one of the biggest financial decisions of your life, there are a few important limits worth knowing—especially in a market as nuanced as ours.

So let’s talk about what AI is great at… and where a human still matters.

What AI Does Really Well

Let’s give credit where it’s due. AI is excellent at:

• Explaining real estate terms without making you feel silly

• Summarizing market concepts and trends

• Helping you think through pros and cons

• Generating good questions to ask your realtor or lender

In other words, it’s a great research assistant. If real estate were a school project, AI would be the kid who colour-codes the notes and brings extra highlighters.

Where AI Starts to Struggle

This is where things get interesting.

1. AI doesn’t actually know your neighbourhood

AI can talk about markets in general, but it doesn’t:

• Walk your street

• Know why two similar homes—one in the west end, one near downtown—can sell weeks apart

• Understand the difference between lakefront, riverfront, and “water-adjacent”

• Factor in ferry schedules, rural septic systems, or whether a road gets plowed first

Real estate in Kingston, Amherstview, Bath, Gananoque, and the surrounding rural areas is hyper-local. Sometimes hyper-specific. AI works in averages. Homes don’t.

2. AI doesn’t know your life

Real estate decisions are rarely just about numbers. AI doesn’t know:

• You’re downsizing after decades in the same home

• You want fewer showings because you work from home

• You’d rather accept a clean offer than chase every last dollar

• You’re juggling a move, kids, work, and aging parents

AI can be logical. It can’t be empathetic. And those two things don’t always line up.

3. AI sounds confident… even when it shouldn’t

This is a big one. AI is very good at sounding certain, even when:

• Data is outdated or not neighbourhood-specific

• Local factors aren’t being considered

• Assumptions are being made quietly in the background

It won’t say, “This feels risky—let’s slow this down.”  Experienced local professionals say that all the time.

4. AI doesn’t negotiate

Negotiation is where real money and favourable terms are won or lost. AI can explain negotiation theory, but it can’t:

• Read the tone of an offer

• Sense when a buyer is bluffing

• Pick up the phone and get context from another local agent

• Push back firmly without derailing the deal

And it definitely can’t do it calmly when emotions are running high.

5. AI isn’t accountable

This part matters more than most people realize. If something goes sideways:

• AI doesn’t attend inspections

• AI doesn’t talk to your lawyer, lender, or insurer

• AI doesn’t flag local issues that only come up mid-transaction

There’s no follow-up. No fixing it. No “we’ve got this.”

The Best Way to Use AI in Real Estate

Here’s the sweet spot. Use AI to:

• Learn

• Prepare

• Organize your thoughts

• Ask better questions

But rely on a human to:

• Interpret Kingston-area market data properly

• Apply local knowledge and judgement

• Adjust strategy in real time

• Negotiate and manage the details

Think of AI as your assistant, not your decision-maker.

The Bottom Line

AI is a fantastic place to start. But when it comes to pricing your home, navigating offers, or making a move in Kingston and area, most people want:

• Local insight

• Clear advice

• Someone who understands both the market and the moment

• A real person who is accountable for the outcome

Real estate is still a very human business. And when your home—and your future—are involved, that’s a good thing.

If you’re using AI to get oriented and want a local, human perspective to go with it, we’re always happy to talk things through—no obligation, no sales pitch.

A practical guide for buyers and sellers in Kingston, Napanee, Bath, Amherstview, Stone Mills, Gananoque, and surrounding areas.

When people say they want “the best real estate agent,” they usually mean someone they can trust, who understands the local market, communicates clearly, and helps them reach their goals with less stress. There’s no universal top-10 list that can decide that for you—but there is a smart way to choose.

Here’s how to find the right Realtor® for your move, especially if you’re buying or selling in Kingston and area.

Step 1: Define What “Best” Means to You

“Best” is personal. Before you search, get clear on your priorities:

• Are you buying, selling, or doing both?

• Is your goal top price, a smooth timeline, or minimal disruption?

• Do you need a specialist—downsizing in Amherstview, waterfront homes, rural properties, or relocation near CFB Kingston?

Once you know what matters most, the right agents naturally stand out.

Step 2: Focus on Local, Not Flashy

Strong local presence beats big promises every time. Look for agents who:

• Clearly explain the Kingston-area market on their website

• Are active on Realtor.ca and Google Business Profiles

• Have recent sales in your neighbourhood—not just “nearby in Ontario”

True local agents know the difference between Bath, Amherstview, west-end Kingston, and rural Frontenac, because they’re working in these communities every week.

Step 3: Read Reviews Strategically

Online reviews are incredibly helpful—if you read them the right way.

• Prioritize recent reviews over older ones

• Look for specific stories, not generic praise

• Watch for patterns around communication, negotiation, and follow-through

A downsizer praising calm guidance or a buyer noting clear explanations during multiple offers tells you far more than “Great experience!”

Step 4: Check Experience Where It Counts

Longevity alone doesn’t equal expertise. Ask about:

• Recent sales in your price range and neighbourhood (for example, student rentals in Kingscourt)

• Familiarity with local issues like wells, septic systems, zoning, condo fees, and inspection norms

• How they explain market stats—days on market, pricing trends, and offer strategies—without jargon

The right real estate agent should make complex information easy to understand.

Step 5: Interview Two or Three Agents

This is a professional hire—treat it like one. Good questions include:

• “What’s your strategy for my situation?”

• “Can you share recent examples similar to my move?”

• “How do you communicate, and how quickly can I expect replies?”

• “What challenges should I expect in today’s market?”

Listen for thoughtful answers grounded in real experience, not rehearsed scripts.

Step 6: Pay Attention to Communication and Chemistry

Even the most skilled agent isn’t a fit if communication feels off.

• Do they listen before offering advice?

• Are explanations clear and pressure-free?

• Do you feel respected and supported?

You should feel calmer after conversations—not more stressed.

Step 7: Look Behind the Scenes

Strong agents run strong systems. Ask about:

• Administrative and marketing support

• Coverage if they’re unavailable

• How they manage multiple clients without delays

Behind-the-scenes structure is what keeps your transaction moving smoothly.

Step 8: Review the Plan Before You Commit

Before signing anything, expect clarity.

• Sellers: pricing strategy, preparation timeline, marketing plan (professional photography, video, online exposure, open houses)

• Buyers: search setup, neighbourhood guidance, offer strategy, and competitive market advice

If the plan feels vague, ask more questions.

How We Help Our Clients

Our clients often tell us the same things in their reviews: they value clear explanations, steady communication, and guidance that reduces stress. Whether we’re helping first-time buyers, downsizers, or sellers navigating a transition, we focus on education, preparation, and thoughtful negotiation—not pressure.

We believe that good real estate advice should be calm, informed, and supportive, with your goals guiding every decision.

Final Thought

Choosing the right Realtor isn’t about finding the loudest voice online—it’s about finding the professional who understands your market, listens to your needs, and earns your trust. Take the time to choose well. Your future self will thank you.

If you’d like to talk through your situation or compare approaches, we’re always happy to have that conversation.

Let’s Chat

You may have heard the terms exclusive property or off-market listing  and wondered what they really mean. In Ontario, exclusive listings are still allowed, but the rules around how they’re handled have changed significantly — especially when it comes to marketing.

An exclusive listing is a signed agreement between a seller and one brokerage to list a property for sale without putting it on MLS®. The property is for sale, but it’s not publicly advertised. That means no lawn signs, no social media, no websites, and no broad promotional campaigns.

Under today’s rules, an exclusive listing can only be shared privately:

• Within the listing brokerage, and

• One-on-one with individual agents or individual buyers

If a property is advertised publicly in any way, it must be placed on MLS® within 3 days.

Why Would Someone Choose an Exclusive Listing?

While most sellers benefit from full exposure on MLS®, exclusives can make sense in certain situations, such as:

• Privacy concerns (high-profile individuals, sensitive circumstances, divorce, medical issues, etc.)

• Preparing the property before going public (repairs, staging, photography, paperwork)

• Testing timing or price quietly, without a public days-on-market clock

In these cases, exclusive listings offer more control and discretion.

Why Did the Rules Change?

The Canadian Real Estate Association (CREA) introduced these policies in January 2024 to promote fairness and transparency. Broad public advertising of exclusives was limiting buyer access and sometimes reducing competition for sellers — which could impact sale price. Today’s structure ensures sellers understand the trade-offs and that buyers are treated equitably.

How Do Buyers Find Exclusive Listings?

Because they won’t appear on Realtor.ca or be advertised publicly, access happens within brokerages and through relationships, networking, and agent-to-agent communication. Working with a local REALTOR® who’s well connected is the best way to hear about opportunities that aren’t yet on the public market.

Is an Exclusive Listing Right for You?

For many properties, MLS® exposure is the best path to achieving maximum value. But depending on your goals, privacy needs, or timing, an exclusive listing can be a strategic option.

If you’d like to talk about whether exclusive or off-market makes sense for your situation — or if you want to be kept in the loop about private opportunities in Kingston and area — we’re always happy to chat.

Buying your first home is an exciting milestone but can also be overwhelming. In Kingston, Ontario, a city rich in history and charm, first-time homebuyers often need to correct common mistakes that can lead to frustration, delays, and unnecessary costs. Whether you're looking at a cozy townhouse in the downtown core or a spacious family home in one of Kingston's beautiful neighbourhoods, understanding these potential pitfalls can help you avoid them and make the process smoother. Here are some of the most frequent mistakes first-time homebuyers in Kingston make — and how to avoid them.

Not Getting Pre-Approved for a Mortgage

One of the biggest mistakes first-time homebuyers make is failing to get pre-approved for a mortgage before starting their home search. It's tempting to jump right into browsing listings and imagining your dream home, but you need a clear understanding of your budget to set yourself up for disappointment.

How to Avoid It: Talk to your bank or a local mortgage broker about your budget and all of the costs involved in home buying. They will get the information from you necessary to get your pre-approval for a mortgage. It's important to do this before you start looking at homes because it gives you a clear idea of how much you can afford. Also, once you've found the home you would like to make an offer on, a pre-approval can also speed up the buying process, making your offer more competitive in a market where homes can sell quickly.

Side note: Even with a pre-approval you will still need a finance condition on your offer. The pre-approval tells you how much your budget is, but the actual mortgage approval tells you whether your lender will give you a mortgage on that particular house. If you do not have a pre-approval, your finance condition will have to be much longer than a seller may be willing to wait, depending on the market, so get it done before you start looking!

Overlooking Extra Costs Beyond the Listing Price

Many first-time buyers only focus on the listed price of a home, but the true cost of homeownership goes far beyond that. Closing costs, property taxes, insurance, and home maintenance fees can all add up, and these extra expenses may blindside some buyers.

How to Avoid It: Factor in additional costs when budgeting for your home purchase. A general rule of thumb is to set aside 3-5% of the home's purchase price for closing costs. You'll also want to budget for ongoing costs such as utilities, repairs, and upgrades.

Skipping the Home Inspection

Kingston has many older homes with character, and while that's part of their charm, it can also mean potential hidden issues. Some buyers may feel rushed or tempted to skip the home inspection to save time and money, but this is one of the biggest mistakes you can make. Even newer homes may have issues, so it's always best to do the home inspection.

How to Avoid It: Always hire a qualified home inspector to assess the property before you commit to buying. A good inspector will help you uncover potential issues, from foundation problems to outdated electrical systems, which could save you thousands of dollars in repairs down the road.

Not Considering Future Needs

Getting caught up in the excitement of finding your perfect first home is easy, but it's also important to think about the future. Will the house still suit your needs in five or ten years? For example, you may need more space or proximity to schools and parks if you plan to start a family.

How to Avoid It: When buying your first home, think about your long-term needs. Consider factors like the size of the home, the neighbourhood, and the potential for growth or renovations. This will help ensure that your home remains a good fit for you as your lifestyle evolves.

Neglecting the Importance of Location

While the house itself is important, the location is just as critical. A great home can quickly lose its appeal if it's located in an area with low rated schools, long commutes, or limited access to amenities. Many first-time buyers need to focus more on the neighbourhood rather than on the house.

How to Avoid It: Research the area thoroughly before making an offer. Look into things like school ratings, public transportation options, local amenities, crime rates, and future development plans. Consider how the neighbourhood aligns with your lifestyle and long-term goals. Drive through the neighbourhood during the day and in the evening to get a good feel for it.

Failing to Account for Market Conditions

The real estate market in Kingston can fluctuate, and not understanding the current market conditions could lead to overpaying for a home or missing out on opportunities. First-time buyers sometimes need help understanding whether it's a buyer's or seller's market.

How to Avoid It: Work with a local real estate agent who understands the Kingston market. They can provide insights into current trends and help you make an informed decision about when to buy. Your agent will also be able to advise you on pricing strategies, helping you avoid overpaying.

Letting Emotions Overrule Logic

It's easy to get emotionally attached to a home, especially if you find one that feels perfect. However, letting emotions drive your decisions can lead to making impulsive choices, such as overbidding on a property or neglecting issues that could become costly.

How to Avoid It: While it's natural to feel excited about a new home, try to stay objective. Focus on the facts, such as the home's condition, price, and how well it meets your needs. Don't rush into a decision; take your time and keep emotions in check.

Ignoring the Importance of Resale Value

Many first-time homebuyers focus on the present and overlook the future. While you might love the house you're considering now, what about five or ten years down the road? If you plan to sell eventually, it's essential to consider the resale value of your home.

How to Avoid It: When choosing a home, think about its potential resale value. Look for homes in desirable neighbourhoods with a history of strong market performance. Consider factors like the home's layout, size, and condition and how likely it is to appeal to future buyers.

Buying your first home in Kingston can be a rewarding and exciting journey, but avoiding these common mistakes along the way is important. By staying organized, working with a knowledgeable real estate agent, and being mindful of the costs and long-term considerations, you can ensure that your first home is a good investment and a place where you'll thrive for years to come.

If you're ready to start your home-buying journey in Kingston, contact us for expert advice and guidance every step of the way!

Thinking about turning a home into a bed and breakfast? Whether you’re dreaming of hosting guests in downtown Kingston, a charming village like Bath or Newburgh, or a quiet retreat on Amherst or Wolfe Island, there are a few key features that make all the difference.

Here are five things to look for when buying a house to use as a B&B in Eastern Ontario:

1. Parking & Accessibility

Most guests will arrive by car, so off-street parking is essential. In downtown Kingston, this can be hard to come by — and on islands like Amherst or Wolfe, ferry access and winter conditions make it even more important.

Look for homes with at least one guest parking spot per room. Bonus if there's an accessible entrance and year-round road maintenance.

2. A Layout That Works

Comfort and privacy are big priorities for B&B guests. A home with a guest wing, private suite, or separate entrance makes hosting easier — and often more enjoyable.

Look for:

* Multiple bedrooms with private baths

* Spaces that can be closed off from your personal living area

* Potential for future expansion (e.g., converting a garage or basement suite)

3. Location Guests Will Love

Tourists don’t just want a place to sleep — they want to experience the area. A good location can boost bookings and reviews.

Strong choices include:

* Downtown Kingston (close to Market Square, Queen’s, and the waterfront)

* Amherst Island and Wolfe Island (peaceful retreats with ferry access)

* Areas near wineries, parks, historic sites, or cycling routes

4. Room to Host

A welcoming kitchen and dining space can make or break your B\&B experience. Even if you're only serving coffee and muffins, you'll need a space that supports prep, cleanup, and guest interaction.

Things to look for:

* Open-concept kitchen/dining area

* Storage for supplies

* Easy-to-clean finishes

5. Zoning & Permits

Before you fall in love with a home, check the rules. Kingston and surrounding municipalities may require special zoning, licensing, or permits for short-term rentals or bed and breakfasts.

Questions to ask:

* Is the property zoned for short-term rental or B&B use?

* Are there municipal licensing requirements?

* Are there septic or fire safety rules for guest stays? This is especially important for rural properties and island homes.

Thinking About Starting a B&B?

We help buyers find the right home to support their lifestyle and income goals — including homes with B&B potential in Kingston, Bath, Amherst Island, Wolfe Island, and beyond.

Get in touch if you’d like to explore what’s available — and what to watch for. We’ll help you navigate the search, zoning, and setup.

Click here to download our B&B Buyer Checklist

Watch on YouTube below:

When we show properties on Amherst Island, we always get the same five questions—whether it’s a young family looking for a slower pace, a couple dreaming of waterfront views, or retirees seeking community and quiet. We’ve answered them so many times we decided to make a video (you’ll find it below), and if you prefer reading, here's the scoop! If you want ALL of the info and links about Amherst Island, that’s here.

1. “What’s the deal with the ferry?”

The Amherst Island Ferry is more reliable than most people expect—it runs 20 hours a day, 365 days a year. The crossing takes about 15 minutes. It leaves hourly half past the hour from Millhaven (mainland) and on the hour from Stella (island side).

Visitor fare is $10.50 for a return trip (paid after boarding in Millhaven), and islanders can buy 25-ticket books for $105.00. Both docks offer public washrooms and indoor waiting areas.

Learn more from Loyalist Township: Amherst Island Ferry Info

2. “What if there’s an emergency?”

We get it—being on an island raises some concerns. Amherst Island has a trained fire and first response crew available at all times. If an ambulance is needed, the ferry crew is notified and transports the ambulance from the mainland, waits during the call, and brings it back. We also have a helipad.

3. “What are the roads like in winter?”

Here’s a surprise: winter road maintenance is excellent. Amherst Island has its own roads crew, and during snow season there’s even a night watch in place to wake the crew if significant snowfall happens overnight. Locals often say snow removal here is better than on the mainland.

4. “Are there any stores or services?”

Yes! Year-round, the island has:

• The General Store with LCBO outlet, frozen meals, snacks, gifts, and much more

• Post Office

• Topsy Farms’ Wool Shed 

In warmer months, you’ll also find:

• The Back Kitchen (non-profit restaurant)

• The Neilson Store Museum & Cultural Centre

• The Weasel & Easel Arts & Gifts Shop

• A weekly Island Market & Social at the Agricultural Pavilion

5. “What do you do in the winter?”

Winter is a different kind of beautiful on Amherst Island. Locals enjoy a slower pace and either happily hole up quietly with books, music and knitting or gather for:

• Potluck dinners, bridge, mahjong, book clubs, movies, games, music

• Beach walks (yes—even in winter!) - during a pandemic winter, a few islanders took it upon themselves to walk every public road on the island! 

• The Amherst Island Recreation Association has weekly sports 3-4 nights/week and occasional social gatherings

• Occasional Friday evening Back Room Talks and Saturday morning Winter Markets at the Museum (brought to you by the Museum and Women's Institute, respectively)

• Birdwatching

• And of course, a quick trip to Kingston gets you to top-tier restaurants, live music, art galleries, and theatre performances.

Island life doesn’t stop when the snow flies—it just shifts into a cozier gear.

Final Thoughts

Whether you're planning to move full-time or looking for a weekend getaway, Amherst Island might just surprise you with how connected, welcoming, and well-serviced it really is. If you’re curious about life on the island—or ready to come take a look—reach out. We live here, and we’d love to show you around.

Let’s chat about your dream island lifestyle.

Amherst Island Real Estate