Your mortgage offer might say 4.49%, but a bank could test your application at 6.49%. That is the mortgage stress test: a higher rate used to decide whether you qualify, not the rate you actually pay.

I bring this up early with Greater Sudbury buyers because the …

How much cash do you need to put down on a home in Greater Sudbury? The minimum depends on the purchase price, but it is only one part of your buying budget.

I hear this question from people looking at houses, cottages and vacant land. Those are …

Every buyer wants a “good deal.”

But in real estate, a good deal isn’t always about getting the lowest price. ️

Sometimes a slightly more expensive home needs less immediate work and fits your plans better. Other times, an unassuming listing deserves a closer look once …

Greater Sudbury's road season is getting underway. If you drive across the city to work, school or showings, the useful question is not whether every project will finish on schedule. It is which routes matter to your everyday life and where to check before you travel.

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The tax number in a listing is a starting point, not the amount I would put straight into a buyer’s budget.

I ask buyers for the latest actual bill, then look at it alongside the mortgage payment, insurance and other ownership costs before we decide what that …

The view can make a waterfront home feel like an easy yes. Before you make an offer, I want you to know exactly what the lot, water access and private systems will let you do—and what still needs to be checked.

Greater Sudbury has many different lake …