A wonderful review from my wonderful clients Deb & Jim. Thank you so much for taking the time to write this.......
Pam was an invaluable asset in helping me deal with my late Mother's estate sale. Upon request, Pam promptly provided a letter of opinion to value the house as well as a detailed marketing plan. She kept me apprised every step of the way regarding the pricing of comparable local listings and their selling prices. She staged the house nicely, connected with our estate lawyer to ensure...

The average price for a detached home in Scugog Township for July 2022 was $1,005,350.00.

Market conditions are balancing compared to earlier this year and buyers are benefiting from options. Durham Region has many neighbourhoods and communities with ideal options for buyers. The number of days on market increased to 15 days in July, a 25 percent increase compared to last month. This is important to note as an increase allows time for home inspections, financing, showings and other considerations....


The average selling price in Scugog Township is $1,215,810.00.

With the declining sales and listings since early spring 2022, all signs are pointing to a balanced market in the Durham Region and most of the GTA, despite a year-over-year increase of 19.7% in new listings.  June is typically not as busy with listing or sales as people turn their focus on summer holidays and the end of the school year.”


The average house in Scugog Township sold for $1,090,041.  The rise in interest rates has calmed house prices.  Expect to see more of this as we head into the summer months.


499 Scarborough Road, (the Beaches) Toronto, Ontario 

2 bed/2 bath, 

3 level semi-detached 

W/O from the kitchen to deck & large, fenced-in backyard

W/O basement (separate entrance)

One Parking

Coming Soon - May 31, 2022

ListPrice: $899k


We are seeing a shift in the market with SALES down 21.6% from last month and average selling prices cooling off by 6%. Expect to see further adjustments as borrowing rates increase and we adapt to new ways of living through the economic challenges that we have faced over the last 2 years.  



When it comes to shopping for your perfect home, it can be hard to find the exact one ready to go! In fact, most homes come with flaws of a sort whether it is old paint or flooring, outdated fixtures or perhaps more extensive repairs are needed.  

While some buyers have no issues dealing with these deficiencies in a home or perhaps do not consider them dealbreakers, other house hunters might.

If you are looking into a home that requires improvements, there is a mortgage product known as Purchase Plus Improvements (PPI). This type of mortgage is available to assist buyers with making simple upgrades, not conduct a major renovation where structural modifications are made. Simple renovations include paint, flooring, windows, hot-water tank, new furnace, kitchen updates, bathroom updates, new roof, basement finishing, and more.

Depending on whether you have a conventional or high-ratio mortgage, if it is insured or uninsurable, and which insurer you use, the Purchase Plus Improvements (PPI) product can allow you to borrow between 10% and 20% of the initial property value for renovations.

The main difference between a regular mortgage and a purchase plus home improvements program is the need for quotes. As part of the verification process, your mortgage professional and the lender will need to see a quote for the work that is planned for the improvements. The quotes will provide us with the cost and plan details required to secure the final approval.

The lender will release the full funds directly to the lawyer with instructions to hold onto the portion for improvement costs until the renovations are completed. You would need to pay the contractor and then, once the renovations are complete, and the lender has approved and waived the holdback, the lender will allow the lawyer to release the additional funds.

To get started with this type of mortgage program, the first step is reaching out to myself to understand how this mortgage product would apply to your application and specific situation, based on your existing mortgage. Understanding what you qualify for and the types of improvements that can be included in the financing will help you better understand which potential houses might work great for you and how much financial room you have for improvements.


The average price in Durham Region has dropped 6.5% from last month to $1,148,685, and still remains the lowest amongst the GTA Regions.

There is a shift happening and we expect to see further corrections still but nothing overly substantial.


Why Two Port Perry Kids Came Home...

Returning to Port Perry after 20 Years Away

... in a time where optimism and hope are at an all-time premium, I thought you might enjoy a lovely story about what caused my new husband and I to return to our hometown of Port Perry...

One part fairy tale, one part ‘coincidence’, this is a true story about how Facebook and a love for their home town brought two Port Perry High School graduates home, after more than 20 years away. Serving on the high school student council together in 1987,...