Do you crave vibrant, seasonal flavours while supporting hands-on growers in our region, like we do? This year we both signed up for a CSA from McClure Eats (which we are really enjoying!), but you’re in luck—Kingston and its neighbouring communities are home to fantastic farmers’ markets. Whether you’re strolling through the Kingston Public Market, exploring local finds at Napanee, Brockville, or Harrowsmith and beyond, there’s a market waiting for you. Shop for just-picked veggies, handmade soaps, fresh-cut flowers, artisan wares, fresh baked goodies and more! With markets happening 5 days a week from spring through fall, there’s always somewhere new to explore and something delicious to discover.

Find your guide to the top farmer's markets this season below, listed Kingston first, then alphabetical by town/city spanning from Brockville to the east and Napanee to the west.

Kingston Public Market – Kingston, Ontario

Founded: 1801
Location: Springer Market Square, 216 Ontario St, Kingston, ON
Season: Year round on Tuesdays, Thursdays, and Saturdays
Summer Hours: April 1st – Oct 31st from 8:30 a.m. to 5 p.m.
Winter Hours: Nov 1st – March 31st from 9 a.m. to 5 p.m.
Social/Info: Website, Instagram, Facebook

Memorial Centre Farmers' Market – Kingston, Ontario

Location: 303 York St, Kingston, ON
Season: Year round on Sundays
Spring-Fall Hours: May–Dec: 9 a.m.–2 p.m.
Winter Hours: Jan–Apr: 10 a.m.–2 p.m.
Social/Info: Website, Facebook, Instagram

A. I. Agricultural Society Market – Amherst Island, Ontario

Location: A.I. Agricultural Pavilion, 5435 Front Road, Stella, ON
Season: Starts June 21, 2025
Days & Hours: Saturdays, 10 a.m.–12  p.m.
Social/Info: Facebook

Amherstview Farmers’ Market – Amherstview, Ontario

Location: 322 Amherst Drive, Amherstview, ON
Season: May–October
Days & Hours: Saturdays, 9 a.m.–1 p.m.
Social/Info: Website, Facebook

Sunday Market in Bath – Bath, Ontario

Location: Bath, ON
Season: Spring through fall
Days & Hours: Sundays, 10 a.m.–2 p.m.
Social/Info: Website, Facebook, Instagram

Brockville Farmers Market – Brockville, Ontario

Founded: 1833
Location: Market Street West, Brockville, ON
Season: May 4–November 30
Days & Hours: Thursdays & Saturdays, 8 a.m.–1 p.m.
Social/Info: Website, Facebook, Instagram

Beaver Lake Farmers’ & Artisan Market – Erinsville, Ontario

Location: Lions Beaver Lake Park, Erinsville, ON
Season: Summer, opening June 27, 2025
Days & Hours: Fridays, 3 p.m.–7 p.m.
Social/Info: Facebook

Frontenac Farmers’ Market – Harrowsmith, Ontario

Location: Centennial Park, 4500 Centennial Park Rd, Harrowsmith, ON
Season: May 9–October 31
Days & Hours: Fridays, 3 p.m.–7 p.m.
Social/Info: Website, Facebook

The Hollow Square Market – Newburgh, Ontario

Location: 425 Main Street, Newburgh, ON
Season: Bi-weekly Saturdays, opening June 14, 2025
Days & Hours: Saturdays (every other week), 10 a.m.–2 p.m.
Social/Info: Facebook

Babcock Mill Maker’s Market – Odessa, Ontario

Location: Babcock Mill, 100 Bridge Street, Odessa, ON
Season: Sundays from May 25 to October 19
Days & Hours: Sundays, 9 a.m.–2 p.m.
Social/Info: Website

Yarker Farmers’ Market – Yarker, Ontario

Location: 2 Mill Street, Yarker, ON
Season: Bi-weekly Saturdays, opening June 21, 2025
2025 Dates: June 21, July 5 & 19, August 2, 16 & 30, September 13 & 27
Social/Info: Facebook

Shopping local doesn’t just support our farmers and makers—it helps keep our region thriving, connected, and uniquely vibrant. So grab your reusable bags, bring a friend, and get to know your community one booth at a time.

Have we missed your favourite market? Let us know—we’d love to add it to the list.

Thinking about a move to or from one of these amazing communities? Let’s chat.

When Lorna and I purchased our respective first homes, it was a very different real estate landscape than it is now. Lorna worked with a financial planner to sort out her finances and move toward a down payment on her new build condo, and I worked with my husband squirrelling away portions of our salaries for a down payment on our eventual east end fixer-upper semi. However, with rising real estate prices and additional costs like closing fees and taxes, saving for your first home can feel like an overwhelming challenge. The good news is that Canada offers a range of tools, programs, and tax benefits designed to help first-time home buyers achieve their dream of homeownership. By combining smart financial planning with these supports, you can make the goal of owning your first home a reality.

Minimum Down Payment Requirements in Canada

In Canada, the amount you need for a down payment depends on the home’s purchase price. The federal government has established the following minimum down payment requirements based on the home’s purchase price:

· For homes priced at $500,000 or less, a minimum of five per cent of the purchase price is required.

· For homes priced between $501,000 and $999,999, a minimum of five per cent for the first $500,000 and 10 per cent for any amount over $500,000 is required.

· For homes priced at $1 million or more, a minimum of 20 per cent of the purchase price is required.

While these are the minimum requirements, saving beyond the minimum can provide benefits and ultimately save you money through lower monthly mortgage payments and less interest paid over the life of the loan.

Savings Strategies to Help Save for Your First Home

There are several tools and programs designed specifically to help first-time home buyers. One of the simplest ways to stay on track is to open a new savings account for first-time homebuyers specifically to save for the down payment. Many financial institutions provide accounts specifically for first-time buyers. Look for accounts offering high interest rates, low or no fees, and flexibility to suit both short- and long-term savings goals.

A Tax-Free First Home Savings Account (FHSA) is a registered account that combines the tax advantages of an RRSP and a TFSA, making it the best savings account for first-time homebuyers and building your down payment savings. You can contribute up to $8,000 annually, with a maximum lifetime contribution of $40,000. Contributions are tax-deductible, which can reduce your taxable income, and withdrawals from your tax-free savings account for first-time homebuyers remain tax-free as long as they are used to purchase a qualifying first home.

Government Support Programs for First-Time Homebuyers

The Canadian government offers a variety of incentives to help first-time homebuyers reduce costs and make homeownership more accessible. These programs can significantly reduce upfront costs and make it easier to afford your first home when combined with your personal savings efforts.

Home Buyers Plan

The Home Buyers’ Plan (HBP) allows first-time home buyers to withdraw up to $60,000 each, tax-free from their Registered Retirement Savings Plan (RRSP), to use toward their home purchase. This program provides an excellent way to access pre-existing savings while avoiding immediate tax implications. However, the HBP requires that you repay the withdrawn amount over a maximum of 15 years, beginning in the second year after the withdrawal.

GST/HST New Housing Rebate

If you’re purchasing a newly constructed home, substantially renovating an existing one, or rebuilding after a fire, you may be eligible for a rebate on a portion of the GST or HST paid. The rebate can significantly offset the additional costs of buying or building a new home. Eligibility and rebate amounts depend on the province and the price of the house.

Land Transfer Tax Rebates

Many provinces and municipalities offer tax savings for first homebuyers to reduce the cost of land transfer taxes. The exact rebate will vary by location but can provide substantial savings on closing costs.

Home Buyers’ Tax Credit (HBTC)

The Home Buyers’ Tax Credit is another federal incentive designed to help first-time buyers recover some of the costs of purchasing a home. This non-refundable tax credit offers up to $1,500 in tax relief, which can be used to offset expenses like legal fees, appraisal costs, and land transfer taxes.

How to Start Saving for Your First Home

Saving for your first home is an exciting journey but requires significant financial planning. Here’s how you can get started.

1. Determine how much you’ll need for your down payment and other costs. Remember to account for other expenses, such as closing costs and home inspection fees.

2. Evaluate your monthly income and expenses to see where you can cut back. In your budget, focus on prioritizing essential needs while reducing discretionary spending.

3. Set aside a manageable portion of your monthly income. Even small contributions add up over time, especially when invested in high-interest or tax-advantaged accounts.

4. Review your savings progress to ensure you’re on track to meet your goal within your desired timeline. If you’re falling behind, adjust your budget or explore additional sources of income.

We understand the challenges of saving for your first home, and we are here to guide you every step of the way. Let us help you find not just a property but a place to call home. 

The Canadian real estate market has seen its fair share of fluctuations in recent years, from interest rates and inflation concerns, to shifting buyer preferences, which have made selling a home more challenging. Ensuring your listing stands out in a competitive market is key. Buyers are increasingly selective, looking for homes that feel unique, modern, and move-in ready, underpinning the importance of home staging and curb appeal. One emerging trend that could attract the right kind of attention? The Unexpected Red Theory.

What Is the ‘Unexpected Red Theory’?

What is the Unexpected Red Theory? It’s an interior design trend that suggests adding a pop of red to a space can make it feel more memorable, cohesive and visually striking. Brooklyn-based designer Taylor Migliazzo Simon first introduced the concept and quickly gained traction on social media platforms like TikTok and Instagram, particularly under the hashtag Unexpected Red Theory TikTok. While the idea may seem new, the concept of using red as an attention-grabber has been around for decades, seen in fashion, branding and even psychology.

Red is a dominant and stimulating colour. It’s used in stop signs, emergency signals, and high-end luxury branding for a reason. Studies have shown that red grabs attention, boosts confidence, and even makes objects appear more valuable. When applied to home staging, Unexpected Red Theory interior design strategies can make a property more memorable to buyers, helping it stand out in a crowded market.

How Sellers Can Use the Unexpected Red Theory to Attract Buyers

If you’re looking to sell your home faster and at a better price, integrating The Unexpected Red Theory into your staging strategy could make a significant impact. Here’s how you can take advantage of this trend:

Use Red to Create a Focal Point

Buyers tour multiple properties, and after a while, they tend to blend together. A bold red accent like a statement chair, a patterned rug, or an eye-catching vase can make a home more memorable. A strategically placed pop of red helps buyers recall a home as “the one with the striking red chair” rather than another neutral listing. Unexpected Red Theory interior design experts suggest that subtle, yet intentional uses of red can create a strong visual impact.

Add a Touch of Red to the Kitchen

Kitchens are one of the most important selling points in a home. Studies show that buyers often base their decisions on how much they love a kitchen. Small red appliances, a red kettle, dish towels, or even red bar stools can add energy to the space without requiring a full renovation. If you want to go bolder, a red backsplash or cabinet hardware can create a striking contrast with neutral tones. Home staging professionals using red theory in kitchen design often recommend incorporating red in a way that highlights key areas without overwhelming the space.

Make the Entryway Inviting

First impressions matter, and a well-staged entryway can set the tone for the entire home. Consider adding a red rug, a framed artwork with red accents, or a red console table near the front door. This simple yet strategic use of colour aligns with the Unexpected Red Theory, making the space feel warmer and more inviting.

Enhance Outdoor Curb Appeal with Red

The curb appeal of a home is just as important as the interior when attracting buyers. A bold red front door is a timeless design choice that adds personality and warmth. If a red door isn’t an option, consider red potted plants, red outdoor furniture, or even red patio cushions to make the home’s exterior pop. Many real estate professionals are now exploring Unexpected Red Theory interior design elements beyond interiors, bringing them into outdoor staging as well.

Incorporate Red in Bedrooms and Living Spaces

Red isn’t just about power and energy. It can also add warmth and coziness. A red throw blanket, pillows, or artwork can make a bedroom or living area feel lively without overwhelming the space. In children’s rooms, a red dresser or toy storage adds a playful and inviting feel. Many designers sharing Unexpected Red Theory TikTok videos emphasize how a well-placed red accent can bring life to a room without overpowering it.

What to Avoid When Using the Unexpected Red Theory

While red can be a powerful tool in home staging, overdoing it or using it incorrectly can have the opposite effect. Here are some common mistakes to avoid:

Avoid Overwhelming the Space

Red is a strong colour, and too much of it can feel overpowering. Stick to small accents rather than large, dominant elements. Instead of painting an entire room red, choose one accent wall or a few strategically placed accessories. A subtle approach aligns with red theory principles, ensuring the pop of red remains impactful.

Avoid Using the Wrong Shade of Red

Not all reds are created equal. Bright, fire-engine red can feel intense, while deeper hues like burgundy or rust can add a more sophisticated touch. Match the shade of red to the home’s existing decor so it enhances rather than clashes with the space. Many Unexpected Red Theory interior design applications rely on muted, well-balanced shades to maintain harmony.

Don’t Use Red in Every Room

The key to making The Unexpected Red Theory work is keeping it unexpected. If every room has red accents, the effect loses its magic. Instead, use it selectively to create moments of impact. The power of this approach is often highlighted in Unexpected Red Theory TikTok trends, where designers showcase minimal yet effective uses of red.

Be Careful with Red in Certain Spaces

Studies suggest that red can increase stress levels in certain settings. For example, in a bedroom, too much red might feel overwhelming rather than cozy. Stick to subtle red accents rather than large surfaces like walls or bedspreads. Unexpected Red Theory interior design strategies often emphasize balance to ensure that red complements rather than dominates a space.

Avoid Clashing with Existing Colour Schemes

If your home has a lot of warm earth tones or cool-toned minimalist decor, red might not always fit seamlessly. Choose red accents that complement rather than clash with your home’s existing palette. The most effective Unexpected Red Theory interior design implementations consider how red interacts with surrounding colours.

In a market where buyers are overwhelmed with choices, small details can make all the difference. The Unexpected Red Theory provides an easy, cost-effective way to make a home more memorable and visually appealing. When used strategically, red can enhance key selling points, improve curb appeal, and create a more engaging atmosphere for buyers.

Ready to make your home stand out in today’s market? Use proven strategies to attract buyers and maximize your home’s value. Contact us today!

remax.ca

My family has belonged to various CSAs (Community Supported Agriculture) for probably a decade. For several years in Toronto, we hosted a pickup point for Plan B Organic Farms (highly recommend them if you are in one of the areas they service!) on our porch. When we moved to Amherst Island in 2016, it took a couple of years to get back into it. We’ve tried a few different local farms, and this year we are splitting a share with Lorna with our nearest CSA: McClure Eats in Bath. Why a CSA? Part of it has to do with buying directly from the farmers, but there’s more to it. We love fresh, local food and want to support sustainable farming as well. Let’s talk CSAs: what it is, benefits, strategies for success, and some fantastic local options.

What is a CSA?

A CSA is a farm share program where members (consumers) commit to buying a season’s worth of produce directly from a local farm, in advance. This allows the farmers to fund the seeds and everything involved in getting it all growing for the season. In return, members receive weekly or bi-weekly boxes filled with fresh, seasonal produce. CSAs offer a great way to eat locally, support small-scale farmers, remove the middle man, and enjoy high-quality ingredients straight from the farm to your table.

How to Successfully Use Your CSA

To make the most of your CSA subscription, here are some helpful tips:

1. Plan Your Meals Around Your Box – Each week, you’ll receive a different variety of produce. Before heading to the grocery store, plan meals around what’s in your CSA box.

2. Be Open to Trying New Foods – CSAs often include less common vegetables like kohlrabi, sunchokes, or golden beets. Embrace the adventure and look up recipes for any unfamiliar items.

3. Store Produce Properly – Keeping veggies fresh is key to minimizing waste. For a handy guide on proper storage, check out these resources:

   • Foodland Ontario

   • Eating Well

   • The Spruce Eats

   • thekitchn.com

   • Real Simple

   • Maryland's Best

4. Batch Cook or Preserve Extras – If your box includes more than you can eat in a week, consider freezing, pickling, or making soups and sauces to enjoy later.

5. Engage with Your Farmer – Many CSAs offer newsletters, recipe ideas, and farm visits. Connecting with your farmer helps you learn more about where your food comes from and how it’s grown.

Local CSA Farms in the Kingston Ontario Area

If you’re ready to join a Kingston CSA, here are some great local farms offering memberships:

- Fat Chance Farmstead (Harrowsmith, ON)

• Season Length: 18 weeks starting mid-June

• Vegetables: 30+ varieties, including staples like carrots and tomatoes, as well as unique offerings like chard and kohlrabi.

• Extras: Fresh strawberries in June and July.

- Main Street Urban Farm (Kingston, ON)

• Season Length: Weekly or bi-weekly subscriptions

• Unique Offerings: In addition to vegetables, they provide ferments, prepared foods, and specialized items like Thai curry ingredients.

- The Kitchen Garden (Wilton, ON)

• CSA signups currently on pause

- Rooted Oak (Brockville, Gananoque, Kingston, Merrickville, N. Augusta, Ottawa)

• Small (bi-weekly), regular (weekly) and large (weekly or bi-weekly) options

• Season Length: 18 weeks

• Numerous pickup spots

- Root Radical Farm (Kingston & Gananoque)

• Sold out for 2025 but more may become available in spring

• Season Length: 24 weeks (June to November)

• Extras: Access to a recipe archive, farm events, and storage guides.

- Salt of the Earth Farm (Kingston & Lyndhurst)

• Season Length: 18 weeks (June 18 – October 15)

• Extras: Flowers, herbs, and seasonal variety in each weekly box.

• Tips for Success: Morgan’s CSA Success Guide

- McClure Eats (Bath, ON)

• Season Length: 17 weeks starting mid-June

• Veggies: Snow and sugar snap peas, kale, Swiss chard, broccoli, cauliflower, green and yellow beans, kohlrabi, beets, turnips, green white and red onions, sweet and hot peppers, tomatoes of all different sizes, zucchini, carrots, pickling and slicing cucumbers, rhubarb, potatoes, ground cherries, squash, tomatilloes, lettuce, radish, eggplant, red, green, and nappa cabbage, a giant collection of herbs, and lots of garlic

• Extras: Includes a small bouquet of flowers in every box.

Is a CSA Right for You?

A CSA might be a great fit if:

• You enjoy cooking at home and experimenting with new ingredients.

• You want fresh, high-quality, organic produce.

• You appreciate knowing where your food comes from and connecting with farmers.

• You like supporting local businesses, cutting out the middle man, and sustainable agriculture.

• You’re willing to adjust your meal planning around what’s in season.

If you’re looking for an alternative to grocery store produce and want to make a commitment to fresh, local food, a CSA is a fantastic choice. Whether you’re an experienced home cook or just starting to explore farm-fresh ingredients, joining a CSA can bring exciting new flavours to your kitchen while supporting your local farming community. And if you don't think you can eat all of that food? Find someone to split your share with! We've done that for a few years with great success. 

Ready to sign up? Explore the farms above and find the best CSA fit for your household. And come June, bon appétit!

Photos used with permission from McClure Eats.

Want some ideas on how to use your veggies? Check these out:

• http://www.foodland.gov.on.ca/english/recipes.html

• https://www.prevention.com/food-nutrition/healthy-eating/a20453908/how-to-use-csa-veggies/

• https://www.buzzfeed.com/rachelysanders/confusing-scary-csa-vegetables-recipes

• https://www.thekitchn.com/tips-for-getting-the-most-out-147351

Happy local eating! 
Lynn

If you're in Kingston or the surrounding area and thinking about buying or selling real estate, this market update is for you.

February 2025. It was a month. It brought some big shifts in the local housing market, and with economic uncertainties, tariffs and elections, things are getting even more interesting. Stick around for the full breakdown, and don't forget to like, subscribe, and drop a comment on what you think the future holds for Kingston Real Estate.

In the city of Kingston, it was a slow month. Home sales were down 20% with 105 properties sold, and the average selling price dropped 7% to 606,000. Year to date, that average selling price is down 2.5%. However, lower prices have homes selling faster, with an average of 35 days on the market compared to 43 in 2024, and new listings are up 14%. So there's a lot more for buyers to choose from.

Gananoque is kind of fun. There were only eight homes that sold, but the average selling price was 1.2 million. So, does this mean that housing values have skyrocketed again? Well, no. One of those eight houses sold for 6.1 million, which is extraordinary. The stat that's probably better to look at in Gananoque is the median selling price, what was right in the middle, and that's 472,500. So, Gananoque is still an affordable option.

There's good news in Loyalist Township, even though the number of properties that sold dropped by 30%, the average selling price of 588,000 is up 6.72% in the month of February and up 4.8% year to date, and the average days on market in Loyalist has dropped from 56 to 27. So, homes are selling quickly.

In Greater Napanee. It was pretty much a flat month with 22 homes sold, which is exactly the same as in 2024. And the average selling price of 495,000 is pretty flat with last year. The difference is homes, as we're seeing across the board, are selling a little bit more quickly as buyers are coming to the market. So, in Napanee, on average, homes were on the market for 44 days.

South Frontenac has been slow to move, with a 20% decrease in the number of homes sold at 12, but the average selling prices increased by 11% to 525,000. This is the slowest market in the region right now at 61 days average on the market, and some of that may have to do with winter weather. Most of the homes in South Frontenac are rural homes, and we're expecting that that market's going to pick up now that the snow is starting to melt.

In Stone Mills, the number of properties sold was 12, which was a 20% increase over last year, but a 27% increase in the average selling price at 596,000 and a 50% decrease in the number of days on the market at 36.

So what does this mean for you? So, let's talk about what's affecting the market beyond our numbers. So there's tariff uncertainty and new trade policies and supply chain cost concerns are likely going to make home construction more expensive, which leads to higher home prices. It's a concern for buyers, it's a concern for builders. We've just had an election and there's another one that's coming in. Political uncertainty always plays a role. There are potential policy changes that could impact mortgage rates, affordability programs, and tax incentives for home buyers. And while interest rates have been dropping, we're anxious to see what happens when the Bank of Canada makes its announcement on March 12th.

So what does this mean for you? Well, buyers now might be the time to take advantage of some softer prices and with sellers, as we always say, pricing competitively is key, especially with more listings hitting the market.

The bottom line is that even in uncertain times, life goes on, and jobs change. We have babies, we get married, our circumstances change. So, let's talk about your circumstances and plans and how we can navigate this market together.

If you found this update helpful, don't forget to like, subscribe and hit the notification bell so that you don't miss our next market update.

If you've got questions, drop them in the comments or reach out to me directly for personalized advice.

Until next time, happy house hunting.

It's that time of year again for us parents: Time to plan summer in the Kingston area. From STEM programs to arts and theatre, overnight camps to budget-friendly day camps, we've rounded up top options in Kingston, Napanee, and Loyalist Township—organized by theme to help you find the perfect fit.

👩‍🔬 STEM & STEAM Summer Camps

Queen’s Summer Engineering Academy (QSEA)
Introduce your child to real-world problem-solving at this Queen’s University camp for Grades 4–11.
Ages: 10–17 

Science Quest – Queen’s University
Inspire young scientists with hands-on STEM fun.
Ages: 4–17

STEM Camp
Offered in Kingston, Napanee, and over 50 Ontario locations, this day camp makes science, tech, and engineering fun.
Ages: 5–13

Camp STEAM
Explore robotics, coding, and animation in an engaging, collaborative setting.
Ages: 5–14 

Kingston STEAMworks
A local favourite for kids who love to tinker, build, and create.
Ages: 6–12

🎨 Arts, Theatre & Music Camps in Kingston

Agnes Art Camp – Queen’s University
Held at Queen’s University's renowned Agnes Etherington Art Centre, campers explore sculpture, painting, and more.
Ages: 6–12

Young Artists of Kingston
A long-standing local program where kids express themselves through themed art projects and mixed media.
Ages: 5–11

Blue Canoe Productions
Musical theatre camps that build confidence through singing, dancing, and acting.
Ages: 4–12

NSAA Theatre Camps
Kids perform in real productions at the Domino Theatre with this drama-focused program.
Ages: 6–13

The Make Station
Daily themed arts and crafts designed to spark creativity.
Ages: 5–12

ASUS Summer Camps
Run by Queen’s students, this not-for-profit camp combines art, education, and Ontario curriculum-aligned themes.
Ages: 4–12

Mulberry Waldorf School Camps
Nature-themed weeks like Fantasy, Music, and Olympics bring Waldorf-style education to summer fun.
Ages: 4–11

Cantabile Choirs
Mini Maestros and Rising Stars programs help kids explore music through movement and song.
Ages: 5–12

Stabback Music Studio
Music, art, and theatre collide in these creative camps.
Ages: 6–14

Leisa’s School of Dance
From tap to hip hop, this camp keeps kids moving.
All levels welcome

🌳 Outdoor & Overnight Summer Camps

Camp Oconto
All-girls traditional overnight camp north of Kingston, with over 20 activities.
Ages: 4–16

Camp Davern
A classic co-ed overnight camp with a focus on positivity and exploration.
Ages: 7–16

Tall Ships Adventure
Teens set sail on real tall ships, learning leadership, resilience, and teamwork.
Ages: 12–18

🏅 Sports & Active Camps

Kingston Racquet Centre
Newly opened dome facility with tennis, pickleball, and multisport fun.
Ages: 5–15

YMCA Kingston
Rowing, aquatics, science, dance, and leadership camps in a safe and welcoming environment.
All ages

Kingston Aeros Trampoline Club
Bounce into summer with Olympic trampolines and energetic instructors.
Ages: 4–12

Greater Napanee Martial Arts-Themed Camp
Themes like Wild Water, Disney Discovery, and Ultimate Sports make each week fresh and fun.
Ages: 5–12 | Pre/post care available | Weekly themes: View here

💙 Affordable Family-Friendly Options

BGC South East Summer Camps
With 150+ programs across Kingston, Napanee, Amherstview, and Bath, BGC offers:

• Science & Tech

• Leadership

• Sports & Movement

• Literacy Enrichment

Ages: JK to 15 | Pre/post care available

📍 Bonus Tip: Local Community Camps

Check out municipal websites, rec centres, and school boards in your area for budget-friendly day camps close to home.

Do you know of more great camps in the area that we forgot to mention? Let me know and I will add them to the list! 

If you live in the area, we hope you found this useful, and that you and your children have a great summer!

If you're thinking of moving to the area, we’d love to help. We specialize in helping families find the right home for their lifestyle. Contact us and let’s find a place that keeps your kids close to the action—and gives you peace of mind. 

Are you considering using your Registered Retirement Savings Plan (RRSP) to purchase a home in the Kingston area? Understanding the Home Buyers' Plan (HBP) can be a valuable step in making homeownership more attainable.

What is the Home Buyers' Plan (HBP)?

The HBP is a federal program that allows first-time homebuyers to withdraw up to $60,000 (increased from $35,000 for withdrawals made after April 16, 2024) from their RRSPs to buy or build a qualifying home. For couples, this means a potential combined withdrawal of $120,000. The withdrawn amount is not taxed, provided it's repaid into the RRSP within a 15-year period.

Eligibility Criteria

To participate in the HBP, you must:

1. Be a Canadian resident at the time of withdrawal and up to the time a qualifying home is bought or built.

2. Meet the definition of a first-time homebuyer, meaning you have not owned and occupied a home in the previous four calendar years, excluding the 30 days before withdrawal.

3. Have a written agreement to buy or build a qualifying home for yourself or a related person with a disability.

4. Intend to occupy the home as your principal residence within one year of purchase or construction.

Even if you or your spouse have previously owned a home, you may still be considered a first-time homebuyer if certain conditions are met.

How to Withdraw from Your RRSP Under the HBP

Once you've confirmed your eligibility and have a purchase agreement in place, follow these steps:

1. Complete Form T1036: Fill out the "Home Buyers' Plan (HBP) Request to Withdraw Funds from an RRSP" form.

2. Submit to Your RRSP Issuer: Provide the completed form to your RRSP provider, who will process the withdrawal.

3. Receive Funds: The funds will be released to you without withholding taxes.

Ensure that the RRSP funds you plan to withdraw have been in the account for at least 90 days to avoid potential tax implications.

Repayment Terms

Repaying the withdrawn amount is crucial to avoid tax penalties. Here's how it works:

1. Repayment Period: Normally, you have 15 years to repay the amount, with the first payment due two years after the withdrawal. However, for withdrawals made between January 1, 2022, and December 31, 2025, the repayment period starts after five years instead of two.

2. Annual Payments: Each year, repay at least 1/15 of the withdrawn amount.

3. Missed Payments: If you miss a payment, the outstanding amount for that year will be added to your taxable income.

For withdrawals made between January 1, 2022, and December 31, 2025, the start of the repayment period is extended to five years.

Pros and Cons of Using the Home Buyers Program
Pros:

1. Interest-Free Loan: Access your RRSP funds without interest charges.

2. Boosted Down Payment: Increase your down payment, potentially reducing mortgage default insurance premiums.

Cons:

1. Repayment Obligation: Mandatory repayments over 15 years.

2. Opportunity Cost: Withdrawn funds lose potential investment growth during the repayment period.

3. Discipline Required: Strict adherence to the repayment schedule is essential to avoid tax consequences.

Consult with Professionals

While the HBP offers significant advantages, it's essential to consult with financial advisors, mortgage professionals, or tax professionals to understand the full implications based on your personal circumstances. All of the information can be found on the canada.ca website, but we know sometimes it needs a bit of an explanation. At Lynn & Lorna Real Estate, we're committed to guiding you through every step of your home buying journey in the Kingston area. Whether you're looking to discuss the HBP, have questions about the local market, or looking for a mortgage specialist recommendation, don't hesitate to reach out.

Are you considering purchasing a home in the Kingston area? Understanding the roles of key professionals and the associated costs is vital for a smooth transaction. In this guide, we'll delve into the importance of a real estate lawyer, the typical expenses involved in buying a home, and the significance of the deposit in Ontario's real estate market.

The Role of a Real Estate Lawyer in Ontario

A real estate lawyer is indispensable in ensuring that your property purchase adheres to Ontario's legal standards. Their responsibilities encompass:

• Conducting Title Searches: They verify that the property's title is free from liens, encumbrances, or disputes, ensuring you receive clear ownership.

• Managing Financial Transactions: Your lawyer handles the transfer of funds, including the down payment and closing costs, ensuring timely and accurate payments.

• Registering Legal Documents: They facilitate the official transfer of property ownership by registering the necessary documents with the provincial government.

• Providing Legal Advice: Throughout the process, your lawyer offers guidance on legal matters, helping you navigate any complexities that arise.

Engaging a knowledgeable real estate lawyer ensures that all legal aspects of your home purchase are meticulously managed, providing peace of mind during this significant transaction.

Understanding the Costs Involved in Buying a Home

Purchasing a home involves several costs beyond the property's purchase price. Key expenses include:

• Legal Fees: In Ontario, real estate lawyer fees for a standard residential purchase typically range from $999 to $1,500 plus tax. These fees cover services such as document preparation, title searches, and the facilitation of financial transactions.

• Disbursements: These are out-of-pocket expenses incurred by your lawyer on your behalf, including:

• Title Search Fees: To confirm the property's legal ownership status.

• Registration Fees: For registering the property's title and mortgage.

• Software Transaction Charges: Related to the legal software used to manage the transaction. These can range from $50 to $100, depending on the software.

• Banking Fees: Charges for processing bank drafts, wire transfers, and other transactions, which can range from $25 to $100, depending on the number of payouts required.

• Land Transfer Tax (LTT): This provincial tax is based on the property's purchase price. In Ontario, the LTT is calculated as follows:

• 0.5% on the first $55,000

• 1.0% on the portion from $55,001 to $250,000

• 1.5% on the portion from $250,001 to $400,000

• 2.0% on the portion above $400,000

• 2.5% amounts exceeding $2,000,000 where the land contains one or two single family residences

• For example, on a $500,000 home, the LTT would be $6,475. First-time homebuyers may be eligible for a rebate of up to $4,000. There is a great Land Transfer Tax calculator here.

• Title Insurance: This protects against potential issues with the property's title, such as fraud or undisclosed liens. The cost varies but typically ranges from $250 to $400.

• Home Inspection: While optional, a home inspection is highly recommended to identify any potential issues with the property. The cost is usually around $500.

• Appraisal Fee: If required by your lender, an appraisal assesses the property's market value and can cost between $300 and upwards of $1000, depending on the location and property.

• Mortgage Insurance: If your down payment is less than 20% of the purchase price, you may need to purchase mortgage default insurance, commonly known as CMHC insurance (although there are other insurers). The premium is calculated as a percentage of the loan and can be added to your mortgage payments.

• Adjustments: These cover any prepayments made by the seller, such as property taxes or in the rural areas around Kingston this often includes a propane tank fill up, that extend beyond the closing date. You'll reimburse the seller for the portion that applies after you take possession. This will be included in the closing costs that your lawyer calculates.

Being aware of these costs will help you budget effectively and avoid surprises during the home-buying process.

The Importance of the Deposit in Ontario Real Estate Transactions

In Ontario, the deposit is a critical component of the home-buying process, serving as a gesture of good faith and commitment from the buyer to the seller. Key aspects include:

• Standard Deposit Amount: While there's no legal requirement, it's customary for deposits to be around 5% of the purchase price. For instance, on a $500,000 home, a typical deposit would be $25,000. In the Kingston area, it can be closer to $10,000, whereas pre-pandemic you might have seen $3,000 or $5,000 deposits.

• Timing of the Deposit: These terms will be described in the Schedule A of the Agreement of Purchase and Sale. Generally in the Kingston area the deposit is due Upon Acceptance, but there are 3 options:

• Herewith - the deposit is submitted with the Agreement of Purchase and Sale. If the offer is accepted by the seller(s), the cheque is deposited. If not, you can simply return to your bank and redeposit the funds back to your account.

• Upon Acceptance - the deposit is due within 24 hours of the offer being accepted

• As otherwise described in this Agreement - sometimes buyers pay several deposits. For example: a portion upon acceptance, and a portion after conditions are fulfilled or waived.

• It's important to have these funds readily available when you make an offer on a property in order to avoid any breach of contract.

• Form of Payment: Deposits are typically made via cheque, certified cheque, bank draft, e-transfer, or wire transfer.

Ready to Take the Next Step?

If you're considering purchasing a home in the Kingston area, understanding the roles of key professionals and the associated costs is important for a smooth transaction. Contact us today to connect with a knowledgeable real estate lawyer and get personalized guidance tailored to your needs. Let us help you make informed decisions and ensure your home-buying experience is seamless. Your dream home awaits—let's get started!

Are you considering selling your home and want to ensure your renovations make the biggest impact? Let’s break down the updates that not only boost your home’s value but also attract the perfect buyer.

Why Renovate Before Selling?
In Kingston’s vibrant real estate market, thoughtful upgrades can set your home apart. These don’t have to cost a fortune. The trick is knowing where to invest for the highest return.

1. Kitchen Refresh: The Heart of the Home
In Kingston, families and foodies alike prioritize the kitchen. Simple yet impactful upgrades include:

• Swapping old countertops for quartz or granite.

• Refinishing cabinets with modern hues or hardware.

• Installing energy-efficient, stainless steel appliances.

This room often delivers a return on investment of 75-100%, making it one of the smartest upgrades you can choose.

2. Modernize the Bathroom
Buyers love a bathroom that feels like a spa. Small changes like sleek fixtures, new tile, and a fresh vanity make a big difference. If your home only has one bathroom, adding a second can significantly enhance its appeal.

3. First Impressions with Curb Appeal
Kingston’s charming neighborhoods deserve equally charming exteriors. Ensure your home stands out by:

• Landscaping with local plants and seasonal blooms.

• Painting your front door in a warm, inviting color.

• Updating outdoor lighting for safety and style.

4. Embrace Energy Efficiency
Kingston buyers value eco-friendly homes that save on utility bills. Consider upgrades like Energy Star-rated windows, improved insulation, or a smart thermostat. Plus, you may qualify for rebates in Ontario!

5. Make the Basement Count
From home offices to rental suites, finished basements add versatile space buyers appreciate. Just ensure any renovations comply with local zoning and building codes.

6. Fresh Paint: Small Change, Big Impact
Neutral tones like soft greys and warm whites create a blank canvas for potential buyers. It’s an affordable update that can transform any room.

7. Focus on Flooring
Replace worn-out carpets or dated linoleum with timeless hardwood or luxury vinyl plank. These options are durable, stylish, and perfect for Kingston’s mix of historic and modern homes.

8. Handle Repairs First
No amount of cosmetic upgrades will outshine an essential repair. Address leaky roofs, outdated electrical systems, or plumbing issues before listing.

Every home and market is unique, and your upgrades should reflect what Kingston buyers are looking for. As your local real estate experts, Lynn and I are here to help you navigate which renovations will yield the best results for your home.

Let’s Work Together
Ready to start? Contact us, Lorna Willis and Lynn Wyminga, at RE/MAX Finest Realty Inc., and let’s make your home stand out in Kingston’s dynamic real estate market.

Buying a home is one of the most significant financial and personal decisions you can make. While it’s possible to navigate the process independently, doing so without the guidance of a professional real estate agent in Ontario can lead to challenges that are worth considering. Here’s a factual look at the potential advantages of having a realtor by your side.

Limited Access to Insights

While platforms like Realtor.ca and HouseSigma provide public access to MLS data, realtors have access to additional details not visible to the general public, as well as land registry details. These often include context about the property’s background or condition, or specific requirements for the purchase, such as preferred closing dates or conditions, as well sales history. Without this information, you may miss important nuances and details that could influence your decision.

Navigating Legal and Paperwork Complexities

Real estate transactions involve numerous documents, from purchase agreements to disclosure forms. Mistakes or omissions in these documents can lead to delays, financial penalties, and legal disputes. Realtors are well-versed in these processes and can ensure all paperwork is accurate and complete, saving you stress and potential complications.

Pricing and Market Knowledge

Determining the right price for a home requires an understanding of market trends, comparable sales, and the specific nuances of the local area. Without this knowledge, you might overpay for a property or undervalue your offer, putting you at a disadvantage in negotiations. Local real estate agents bring expertise in assessing property values and crafting competitive offers.

Negotiation Challenges

Negotiating the purchase price and terms is a critical part of buying a home. Without professional representation, you may find it difficult to advocate effectively for your interests, especially if the seller is represented by an experienced agent. Realtors are skilled negotiators who can help ensure you get the best possible deal.

Identifying Potential Issues

Realtors have trained eyes for identifying potential problems with a property, such as structural issues, zoning restrictions, or future development plans that could impact value. Without this insight, you might overlook critical factors that could affect your satisfaction or financial return in the long run.

Time and Energy Investment

Searching for properties, arranging viewings, inspections and appraisals, and managing communications with sellers can be very time-consuming. A realtor streamlines this process, freeing up your time and energy to focus on other priorities.

Missed Opportunities for Guidance

Buying a home often involves unexpected questions or situations. Real estate agents provide valuable advice and support throughout the process, as well as  recommendations on local resources including inspectors and contractors, helping you make informed decisions at every stage. Without a realtor, you may find yourself relying on online resources or guesswork, which can lead to uncertainty. 

While it’s possible to buy a home without a realtor, doing so comes with risks that can affect your experience and outcomes. Realtors offer expertise, resources, and advocacy that can make the process smoother and more successful. Whether you’re a first-time buyer or seasoned investor, considering the value of professional guidance with local knowledge can help you make the most of your real estate journey. If you have real estate questions, contact us. 

As the vibrant colours of fall begin to take over, homeowners should start thinking about preparing their homes for the colder months ahead. Fall maintenance is crucial to protecting your investment and ensuring your home stays warm, safe, and energy-efficient throughout the winter. Here are some essential fall maintenance tips that every homeowner in Kingston should consider.

Inspect and Clean Gutters and Downspouts

Falling leaves can quickly clog gutters and downspouts, leading to water damage and ice dams. Clean out any debris and ensure that water is flowing freely away from your home. This simple task can prevent costly repairs later.

Seal Windows and Doors

As temperatures drop, checking for drafts around your windows and doors is important. Use weatherstripping or caulking to seal any gaps that could let cold air in and warm air out. This not only improves your home's energy efficiency but also helps lower your heating bills.

Service Your Heating System

Before the chill sets in, have a professional inspect your furnace or heating system. Replace filters, check for any issues, and ensure everything runs efficiently. It's also a good time to test your thermostat to ensure it's working correctly.

Chimney and Fireplace Maintenance

If you have a fireplace, now is the time to have your chimney cleaned and inspected. Creosote buildup can be a fire hazard, and a professional sweep will ensure your fireplace is safe to use. Also, check that your fireplace damper is functioning properly to prevent drafts when not in use.

Check Your Roof and Attic

Inspect your roof for missing shingles, cracks, or any signs of wear that could lead to leaks. It's also a good idea to check your attic for proper insulation and ventilation. Proper attic insulation can help maintain a stable temperature in your home and prevent ice dams from forming on your roof.

Winterize Outdoor Plumbing

Before the first frost, drain and store garden hoses and shut off water to outdoor faucets. Consider insulating any exposed pipes to prevent freezing. If you have a sprinkler system, ensure it's properly winterized to avoid damage.

Trim Trees and Shrubs

Trim back any overgrown trees and shrubs near your home. Branches that hang over your roof or near power lines can become dangerous during winter storms. Keeping them trimmed reduces the risk of damage from falling limbs.

Prepare Your Lawn and Garden

Rake up fallen leaves and compost them to create nutrient-rich soil for next year. Consider aerating your lawn and applying a fall fertilizer to strengthen grassroots before winter. Additionally, plant any fall bulbs and perennials to enjoy beautiful blooms in the spring.

Inspect Your Smoke and Carbon Monoxide Detectors

As you start using your heating system, it's crucial to ensure that your smoke and carbon monoxide detectors are functioning correctly. Replace batteries if needed and test each unit to ensure they're in good working order.

Store Patio Furniture and Outdoor Equipment

Before the snow arrives, clean and store your patio furniture, grills, and any outdoor equipment. This helps extend their lifespan and ensures they're ready to use again when warmer weather returns. Taking the time to perform these fall maintenance tasks can save you money and prevent headaches as winter approaches. Not only will your home be better prepared to withstand the cold, but you'll also enjoy a more comfortable and energy-efficient living space. Ready to make the most of your home this fall? Whether you're considering selling, buying, or just needing advice on maintaining your property, we're here to help. Contact us today to discuss how we can assist you in keeping your home in top shape and ensuring it's market-ready. Let's work together to protect your investment and enjoy all the beauty that Kingston has to offer this season!

Ah, mobile homes. Affordable, flexible, and a great way to own a home without taking on a mortgage the size of a small country. But let’s be real—mobile homes sometimes get a bad rap. You’ve probably heard people toss around the term trailer trash like they’ve never seen an episode of Trailer Park Boys. You too can live the Sunnyvale lifestyle. (Fun fact: I grew up in the same trailer park where Trailer Park Boys was filmed—so trust me, I know a thing or two about this lifestyle!  Note the photo – that’s me standing outside our luxury 1971 LeMarquis mobile home)

But here’s the deal: mobile homes can be a fantastic housing option, especially in Kingston, Ontario. Whether you’re a first-time homebuyer, looking to downsize, or just trying to avoid a lifetime of paying rent, buying a mobile home could be a smart move.

What is a Mobile Home?

A mobile home (or manufactured home) is built in a factory and transported to a specific location—either a mobile home park or a privately owned lot. These aren’t the rickety trailers of yesteryear; today’s mobile homes come with modern finishes, open floor plans, and energy-efficient designs. Some are even nicer than traditional houses (Lucy would definitely approve).

Why Buy a Mobile Home in Kingston?

The Kingston area has some great mobile home communities, from Napanee to Brockville, offering a mix of affordability and small-town charm. Here’s why it might be the perfect choice for you:

1. Budget-Friendly: Compared to traditional homes, mobile homes are significantly more affordable. You get the perks of homeownership without the soul-crushing mortgage.

2. Lower Maintenance: A smaller home means fewer things to break and less space to clean. More time for things that matter, like watching Sunnyvale adventures.

3. Community Perks: Many mobile home parks in Kingston offer shared amenities like clubhouses, green spaces, and community events (BYO rum and coke, though).

4. Flexibility: Want to be close to the city but not in it? Mobile homes offer a mix of suburban and rural options.

Things to Consider Before Buying

Before you dive in, here are a few things to keep in mind:

1. Location & Land Ownership

1. Are you looking to buy land or rent a lot in a mobile home park? Most mobile homes in Kingston are in parks, which means paying monthly lot fees.

2. If you’re buying land, check zoning laws—some areas restrict mobile home placement.

2. Financing Isn’t the Same

1. Mobile homes on leased land usually require a chattel mortgage (since they’re considered personal property, not real estate).

2. If the mobile home is on owned land, you might qualify for a traditional mortgage.

3. Some buyers opt for personal loans, but a good mortgage broker can walk you through the best options.

3. Inspection is Key

1. Like any home, you’ll want an inspection to check for issues like leaks, insulation quality, and foundation stability.

2. Some older mobile homes may have outdated electrical or plumbing systems—get those checked before you buy.

4. Know the Park Rules

1. If you’re moving into a mobile home park, review the rules first. Some parks have restrictions on renovations, parking, and even pets (Bubbles and his kitties would want you to check this).

2. Find out what the lot fee includes—some cover water, sewer, and garbage collection, while others don’t.

5. Resale Value

1. Unlike traditional homes, mobile homes depreciate over time (kind of like a car, but way cozier).

2. Keeping your home in good condition and choosing a desirable location can help maintain its value.

Steps to Buying a Mobile Home in Kingston

Here’s how to get started:

1. Set Your Budget – Consider the home price, lot fees, and utilities.

2. Choose the Right Location – Mobile home park or private land?

3. Secure Financing – Talk to a lender who specializes in mobile homes.

4. Get an Inspection – Avoid surprises down the road.

5. Review Legal Considerations – Make sure everything is up to code.

6. Close the Deal & Move In!

Work with Lynn & Lorna

Buying a mobile home isn’t like buying a traditional house, but that’s where we come in. As experienced real estate agents in Kingston, we know the ins and outs of mobile home ownership, financing, and local regulations. We can help you find the right home at the right price—without the stress.

Final Thoughts

So, if you’re ready to embrace the mobile home life, don’t let the naysayers hold you back. Kingston has some great options, and we’d love to help you find the perfect fit. Whether you’re looking for an affordable starter home, a low-maintenance retirement option, or just want to live somewhere with character (without selling your soul to a bank), mobile homes are worth considering.

Let’s chat! We promise we won’t call you Lahey.