Blog
Muskoka Real Estate Blog
Plain answers to the questions people ask before they buy or sell in Muskoka, with the sources listed on every post.
-
FHSA and Home Buyers' Plan for a first home in Muskoka
Two federal programs can help fund a down payment. Here are the limits, the first-time buyer tests and the arithmetic that follows from them. -
First-time home buyers' GST/HST rebate on new homes
A federal rebate can return up to $50,000 of the GST on a newly built home. Here are the buyer test, the price limits, the dates and the claim steps. -
Mortgage loan insurance premiums explained
A down payment under 20% generally means mortgage loan insurance. Here is the CMHC premium table and a worked example at a $600,000 price. -
Estate administration tax when selling a Muskoka home
When a home is sold from an estate, Ontario's estate administration tax is paid when the estate certificate is applied for. Here is how it works. -
Living in Muskoka year-round: services and access
A year-round move depends on hospitals, buses, septic permits and how you reach the property. This post sets out what the District and towns state. -
Muskoka cottage closing costs and land transfer tax
Ontario land transfer tax is calculated in brackets. This post works one through at a round $900,000 and lists the other costs that come with closing. -
Muskoka towns and townships, explained
Ten communities sit inside five municipalities. Knowing which one a property is in tells you who issues permits, sets tax rates and answers your questions. -
Muskoka waterfront property tax, explained
Property tax is an assessment multiplied by a set of rates. Here is how the pieces fit, with the 2026 Huntsville and Gravenhurst residential rates. -
Shore road allowances: what Muskoka waterfront buyers should know
A strip of land between a lot and the water can change what a waterfront buyer owns. Here is what Ontario's policy says and what to confirm.
Talk to Kandice or Kirby about your plans
No pitch and no pressure. Tell Kandice or Kirby the situation and they will tell you plainly whether they are the right people for it.