The Unfiltered REALTOR® | By Charlotte Ferguson

Let's get something out of the way.

I cannot make interest rates disappear.

I cannot convince a lender to ignore its underwriting requirements.

And despite my best efforts, I cannot make a 900-square-foot bungalow magically develop a fourth bedroom.

Believe me, if I could, I'd have a very different business model.

What I can do is help people navigate real estate decisions with information, preparation and professional advice.

And frankly, that's considerably more useful than a magic wand.

Real Estate Isn't Always a Perfectly Edited Television Episode

You know the shows.

Someone tours three houses, falls in love with the second one, makes an offer and moves in after a commercial break.

Meanwhile, in the real world, there are financing conditions, inspections, legal reviews, competing priorities, deadlines and occasionally a furnace that chooses the worst possible moment to become interesting.

Real estate transactions involve people, properties, money and legal obligations.

That combination deserves more than a dramatic reveal.

Good Advice Isn't Always What You Want to Hear

Sometimes the most useful thing I can say is:

"That price isn't supported by the comparable sales."

Or:

"We need more information before making that decision."

Or even:

"I don't think this property is right for you."

Those conversations aren't always exciting.

But they're important.

My responsibility isn't to agree with every assumption or encourage every transaction.

It's to provide informed guidance, explain potential risks and help clients make decisions that serve their interests.

Not Every Problem Has a Perfect Solution

Sometimes a buyer needs to adjust expectations.

Sometimes a seller needs to reconsider pricing.

Sometimes a property needs repairs before it can meet a particular buyer's financing requirements.

And sometimes the right decision is to wait.

There is no shame in changing direction when new information becomes available.

The Unfiltered Truth

You don't need a REALTOR® who promises miracles.

You need someone who communicates clearly, pays attention to details, understands the market and isn't afraid to have an uncomfortable conversation when necessary.

The best real estate advice isn't always the advice that makes you smile immediately. Sometimes it's the advice that saves you from a much bigger headache later.

And if we can share a laugh along the way?

Even better.

Charlotte Ferguson | REALTOR®
Magnolia Group Realty | Royal LePage Wolle Realty

Thinking about your next move? Let's have a conversation about what's realistic, what's possible and what makes sense for you.

📞 519-575-1804
🌐 www.yourmagnoliagroup.com

The Unfiltered REALTOR® | By Charlotte Ferguson

There's a particular piece of real estate advice that makes me raise an eyebrow.

"Offer way below asking. You never know!"

Well, technically, that's true.

You also never know whether wearing your pyjamas to a job interview might work out.

But strategy matters.

Negotiating Isn't a Contest to See Who Can Be the Most Difficult

Buyers understandably want value.

Sellers understandably want the best possible outcome.

And both parties have every right to negotiate.

But an effective offer should be based on more than choosing the lowest number you can imagine.

Consider the property's condition, comparable sales, competing inventory, time on the market and the seller's circumstances, where known.

A lower offer may be entirely reasonable in some situations.

In others, it may simply prevent a productive conversation from beginning.

Price Isn't the Only Part of an Offer

A purchase agreement includes more than a dollar amount.

The deposit, closing date, conditions, included items and other terms can influence how attractive an offer is to a seller.

For example, a seller who has already purchased another property may value a particular closing date.

A buyer who needs financing protection should carefully consider the risks of removing that condition.

There isn't one perfect offer structure for every transaction.

And removing protections simply to appear competitive can expose buyers to significant financial consequences.

The Asking Price Isn't Always the Market Value

Some properties are listed with an expectation of attracting offers above asking.

Others may be priced near their anticipated market value.

Some may be overpriced relative to comparable properties.

That's why an offer strategy should consider market evidence rather than treating the asking price as an unquestionable benchmark.

Leave Your Ego at the Door

Negotiations can become emotional.

I've seen how quickly conversations can shift from practical considerations to personal reactions.

But buying or selling a home is a significant financial decision.

The goal isn't to win an argument.

It's to reach an agreement that works for you, or recognize when walking away is the better choice.

The Unfiltered Truth

A strong offer isn't necessarily the highest offer, the lowest offer or the one with the fewest conditions.

It's an offer that reflects the market, protects your interests appropriately and supports your objectives.

Sometimes that means negotiating firmly.

Sometimes that means paying a fair price without unnecessary theatrics.

And sometimes the smartest move is to thank everyone for their time and keep looking.

Charlotte Ferguson | REALTOR®
Magnolia Group Realty | Royal LePage Wolle Realty

Planning to buy in Waterloo Region? Let's build an offer strategy based on your priorities and the property in front of us.

📞 519-575-1804
🌐 www.yourmagnoliagroup.com

The Unfiltered REALTOR® | By Charlotte Ferguson

I love an open house.

It's an opportunity to showcase a property, answer questions and help potential buyers picture their next chapter.

But can we discuss something?

An open house is still someone's home.

Not a museum where you can touch everything. Not a free-for-all. And definitely not an invitation to inspect someone's personal belongings.

Let's talk open-house etiquette.

1. Yes, You May Look. No, You May Not Investigate Everything.

Opening a kitchen cabinet to assess storage? Generally reasonable, with permission.

Going through someone's dresser drawers? Absolutely not.

Buyers have a legitimate interest in understanding the property's layout, storage and condition.

But that doesn't eliminate the homeowner's right to privacy.

When in doubt, ask the hosting REALTOR®.

2. Children Are Welcome. Unsupervised Adventures Are Not.

Families attend open houses, and that's perfectly understandable.

But children should remain with their accompanying adults.

There may be stairs, fragile items, unfamiliar layouts or hazards that aren't immediately obvious.

And while we're discussing safety, pets should never be approached or handled without permission.

3. Please Respect the Property

Follow instructions about footwear, avoid bringing food or drinks through the home, and don't operate unfamiliar equipment.

If you accidentally damage something, tell the hosting REALTOR®.

A small accident is usually much easier to address than a mystery discovered after everyone leaves.

4. Privacy Works Both Ways

Buyers should feel comfortable asking questions, but it's also reasonable for the hosting REALTOR® to ask visitors to identify themselves or follow the brokerage's safety procedures.

For sellers, preparation matters too.

Before an open house, secure medications, valuables, financial documents, personal identification and anything containing sensitive information.

Remove or safeguard items that could present a risk to visitors.

5. REALTOR® Safety Is Everyone's Business

Real estate professionals regularly meet unfamiliar people, sometimes in vacant properties.

That's part of the profession, but it also creates genuine safety considerations.

Identification procedures, appointment records, communication plans and professional boundaries aren't signs of distrust.

They're sensible precautions.

And respecting those precautions makes the experience safer for everyone.

The Unfiltered Truth

An open house should be welcoming, informative and enjoyable.

A little courtesy goes a long way.

Admire the kitchen. Explore the layout. Ask questions. But please leave the homeowner's sock drawer out of your research.

Charlotte Ferguson | REALTOR®
Magnolia Group Realty | Royal LePage Wolle Realty

Have questions about attending an open house or preparing your property for one? I'd be happy to help.

📞 519-575-1804
🌐 www.yourmagnoliagroup.com

The Unfiltered REALTOR® | By Charlotte Ferguson

Let's talk about the most expensive game of telephone in real estate.

Your neighbour lists their house for $899,000.

Suddenly, three other homeowners on the street are convinced their properties must be worth at least $925,000.

Because obviously, their kitchen has nicer countertops.

Here's the thing: an asking price is a marketing decision. A selling price is evidence of what a buyer was willing to pay.

And those are not necessarily the same thing.

The Neighbourhood Comparison Trap

It's natural to compare your home with others nearby. We all do it.

But two houses on the same street can have very different market values.

Square footage, layout, condition, renovations, lot characteristics, parking, location and recent comparable sales all matter.

And sometimes the feature you absolutely adore isn't something buyers are willing to pay substantially more for.

That custom purple kitchen? A masterpiece to you. A renovation budget to someone else.

The Market Doesn't Read Your Renovation Receipts

I often hear homeowners talk about how much they've invested in their properties.

And those improvements may absolutely add value.

But spending $60,000 on renovations doesn't automatically increase your home's market value by $60,000.

Buyers consider the finished result, its usefulness and how it compares with other available properties.

The market doesn't reimburse homeowners dollar for dollar simply because they kept the receipts.

Pricing Is a Strategy, Not a Wish

An effective listing price considers comparable sales, competing listings, current buyer activity and the property's particular strengths and limitations.

Pricing too high can reduce interest and leave a property sitting longer than necessary.

Pricing competitively can help attract attention, although it never guarantees multiple offers or a particular sale price.

And no, putting a higher number on the sign doesn't make the house more valuable.

If only it were that easy.

The Unfiltered Truth

Your home deserves a thoughtful pricing strategy based on evidence, not neighbourhood gossip.

Before you decide what your property is worth, let's look at what buyers are actually paying for comparable homes.

Because your neighbour's asking price might be interesting.

Their final selling price, and the circumstances behind it, tell us considerably more.

Charlotte Ferguson | REALTOR®
Magnolia Group Realty | Royal LePage Wolle Realty

Thinking of selling in Waterloo Region? Let's review your property's market position and build a strategy around the facts.

📞 519-575-1804
🌐 www.yourmagnoliagroup.com

The Magnolia Edit | November 10, 2026
By Charlotte Ferguson, REALTOR® | Magnolia Group Realty

You've found the house. You've worked out the down payment. You've calculated what your mortgage payments might look like.

Everything seems to be coming together.

And then someone mentions land transfer tax, legal fees, moving expenses and property tax adjustments.

Suddenly, your carefully planned budget has developed a few unexpected guests. And unfortunately, none of them brought pizza. 🍕

Whether you're buying your first home, selling a property you've loved for years or moving into something that better suits your lifestyle, understanding the true cost of moving in Waterloo Region can help you make more confident financial decisions.

Let's look at the expenses that deserve a place in your budget.

1. Land Transfer Tax: The Cost Buyers Sometimes Forget

When purchasing property in Ontario, buyers generally pay provincial land transfer tax.

The amount depends on the property's purchase price and the applicable tax brackets.

For example, on a $700,000 resale home in Waterloo Region, the standard Ontario land transfer tax would be approximately $10,475, before any eligible refund.

That's a significant amount of money to overlook.

The good news? Eligible first-time homebuyers may qualify for an Ontario land transfer tax refund of up to $4,000.

Eligibility matters, so it's important to review the requirements before assuming you'll receive the full amount.

Charlotte's tip: Have your REALTOR® and mortgage professional help you estimate land transfer tax before you start making offers.

2. Legal Fees, Title Insurance and Closing Adjustments

Your real estate lawyer plays an essential role in completing your purchase or sale.

Their work can include reviewing title, preparing closing documents, coordinating funds and registering the transfer or mortgage.

Your closing statement may include:

• Legal fees and applicable HST.

• Title searches, registration fees and other disbursements.

• Title insurance.

• Adjustments for prepaid property taxes or condominium fees.

• Other transaction-specific expenses.

For example, if the seller has already paid property taxes covering a period after your closing date, you may need to reimburse the seller for your share.

These adjustments aren't necessarily enormous, but they can affect the amount of money you need on closing day.

Charlotte's tip: Ask your lawyer for an estimated statement of adjustments and closing costs well before closing.

3. Home Inspections and Property-Specific Testing

A general home inspection can provide valuable information about a property's visible condition.

But depending on the home, you may also want additional assessments.

For Waterloo Region and surrounding communities, these could include:

Well water testing: Particularly relevant when purchasing a rural property with a private well.

Septic inspection: Important when the property isn't connected to municipal wastewater services.

WETT inspection: Worth considering when a home has a wood-burning appliance, particularly where insurance requirements apply.

Electrical assessment: An electrician or other qualified professional may be needed to investigate certain concerns.

Specialist evaluations: Roofing, structural, drainage or other issues may warrant additional investigation.

These assessments aren't automatically required for every purchase. The appropriate approach depends on the property, your concerns and the conditions negotiated in the agreement.

Charlotte's tip: Don't treat inspections simply as another expense. Think of them as tools for understanding what you're purchasing.

4. Moving Expenses: More Than a Truck and a Few Boxes

Moving day has an impressive ability to produce expenses you didn't know existed.

Professional movers, truck rentals, packing supplies, storage, insurance and cleaning can all add up.

And if you're moving between homes with different closing dates, you may need temporary storage or accommodation.

Even a relatively straightforward move across Kitchener, Waterloo, Cambridge or the surrounding townships can involve additional expenses.

Consider setting aside money for:

• Movers or truck rental.

• Packing materials.

• Temporary storage, if needed.

• Professional cleaning.

• Utility setup or transfer charges.

• Childcare or pet care during moving day.

• Unexpected last-minute purchases.

And yes, the traditional moving-day pizza deserves its own line in the budget. 🍕

5. Mortgage-Related Expenses

If you're purchasing with mortgage financing, there may be additional costs depending on your situation.

These can include an appraisal, lender or broker fees where applicable, mortgage default insurance, or penalties associated with paying out an existing mortgage.

For buyers with an insured mortgage, the mortgage default insurance premium can often be added to the mortgage principal, subject to applicable rules.

However, Ontario's provincial sales tax on that premium generally cannot be added to the mortgage and must be accounted for separately.

For sellers, paying off an existing mortgage before the end of its term could trigger a prepayment penalty.

That penalty may be substantial, particularly with certain fixed-rate mortgages.

Before listing your home, it's worth discussing your existing mortgage, its maturity date and any portability options with your mortgage professional.

Charlotte's tip: The right mortgage strategy should consider the transaction you're making today and your financial plans for tomorrow.

6. Selling Costs: What Comes Out of Your Proceeds?

Sellers have expenses too.

Depending on the transaction, these may include:

• Real estate commission and applicable HST.

• Legal fees and disbursements.

• Mortgage discharge fees or prepayment penalties.

• Agreed repairs or improvements.

• Cleaning, staging or preparation costs.

• Moving and storage expenses.

• Adjustments or outstanding amounts that must be settled on closing.

One of the most useful exercises before listing is preparing an estimated seller's net proceeds calculation.

Rather than focusing exclusively on the expected sale price, this calculation considers the mortgage payout, selling expenses and other known obligations.

It helps answer the question that matters most:

How much money will actually be available after the sale closes?

That number is particularly important if you're using equity from your current home toward the purchase of another property.

7. The Cost of Owning the Next Home

Here's one more consideration that deserves attention.

Your budget shouldn't end on closing day.

A new home may come with different ongoing expenses, including:

• Property taxes.

• Home insurance.

• Heating, electricity and water.

• Condominium fees, if applicable.

• Maintenance and repairs.

• Lawn care, snow removal or other property upkeep.

A larger home may bring higher operating costs. An older home may require a more substantial maintenance reserve. A condominium may offer different responsibilities and expenses.

And if you're moving from a city property to a rural home, your budgeting considerations could change considerably.

The goal is to choose a property that works not only for your purchase budget, but for your everyday life.

8. How Much Should You Set Aside for Closing Costs?

You may have heard the recommendation to budget approximately 1.5% to 4% of the purchase price for closing costs.

That can be a useful early planning range, but it's not a guarantee that every transaction will fall within it.

The actual amount depends on factors such as:

• Purchase price.

• First-time buyer eligibility.

• Property type and location.

• Mortgage structure.

• Legal expenses.

• Required inspections and assessments.

• Tax and condominium adjustments.

• Other transaction-specific costs.

For a $700,000 property, that broad planning range represents $10,500 to $28,000.

However, a personalized estimate is far more useful than relying on a percentage alone.

And remember: closing costs are separate from your down payment.

9. A Smarter Way to Plan Your Move

One of the biggest advantages of planning early is having time to make decisions rather than reacting to surprises.

Before you buy or sell, I recommend understanding three numbers:

Your purchase or sale budget: What can you realistically afford, or what might your property reasonably sell for?

Your transaction expenses: What will it cost to complete the purchase, sale and move?

Your financial position afterward: How much money will remain available for everyday living, maintenance and unexpected expenses?

When those numbers work together, you're in a much stronger position to make informed decisions.

Let's Make Your Next Move a Little Less Complicated

Buying or selling a home should be exciting.

It shouldn't involve discovering an unexpected expense three days before closing and wondering where the money is supposed to come from.

As both a REALTOR® and Mortgage Agent Level 2, I can help you understand how your real estate plans and financing decisions fit together, while coordinating with the other professionals involved in your transaction.

Whether you're buying your first home, selling to downsize, relocating within Waterloo Region or simply exploring your options, let's start with a conversation.

Your next move deserves a plan that considers the whole picture.

Charlotte Ferguson, REALTOR®
Founder, Magnolia Group Realty
Powered by Royal LePage Wolle Realty
Waterloo Region, Ontario

📞 519-575-1804
🌐 www.yourmagnoliagroup.com
✉️ hello@yourmagnoliagroup.com

Disclaimer: This article provides general educational information and is not legal, tax or individualized financial advice. Costs, lending requirements, taxes and eligibility rules vary. Consult the appropriate qualified professionals for advice specific to your circumstances.

By Charlotte Ferguson, REALTOR® | Royal LePage Wolle Realty

There's a conversation I often have with homeowners that starts something like this:

"We're thinking about selling, but probably not until next spring."

Perfect. Let's talk now.

Not because I want you to put a For Sale sign on the lawn tomorrow. Not because your house needs to be turned upside down this weekend.

But because the best home-selling decisions are often made long before the home goes on the market.

And sometimes, the difference between a stressful sale and a well-organized one is simply having enough time to make thoughtful decisions.

Your Home Doesn't Need to Be Perfect. It Needs a Plan.

One of the biggest misconceptions about selling a home is that everything needs to be renovated, replaced or updated before listing.

It doesn't.

In fact, some improvements may cost more than they're likely to contribute to your eventual sale.

That expensive kitchen renovation you've been considering? It might not be necessary.

The dated but perfectly functional bathroom? It may be better left alone.

The peeling paint in the hallway? Now that might deserve some attention.

Every property is different, and the right preparation depends on its condition, likely buyers, competition and your financial priorities.

The goal isn't to create a brand-new house. It's to present your existing home at its best without spending unnecessarily.

Start With the Things Buyers Will Notice

Before thinking about major renovations, consider the basics.

Walk through your home as though you're seeing it for the first time.

Are there scuffed walls, loose handles, damaged trim or dripping faucets?

Do doors close properly?

Are light fixtures working?

Is there a room that feels crowded because it has accumulated years of belongings?

These are often manageable improvements, particularly when you have several months rather than several days to address them.

A little attention to maintenance can also demonstrate that a property has been cared for.

And while presentation matters, it's important not to confuse cosmetic improvements with concealing known defects. Material issues should be addressed and disclosed as legally required.

Decluttering Doesn't Mean Erasing Your Personality

Here's something worth remembering.

You don't need to live in a house that looks like nobody lives there.

Your photographs, collections and favourite furniture are part of what makes your house a home.

But when preparing to sell, we want prospective buyers to appreciate the space, layout and functionality.

Sometimes that means removing a few pieces of furniture.

Sometimes it's reorganizing closets.

And sometimes it's finally tackling the storage room where Christmas decorations, old hockey equipment and mysterious boxes have been negotiating territory for the last decade.

Starting early allows you to sort, donate, sell or pack gradually.

It also makes the eventual move considerably easier.

Understand Your Home's Value Before Making Expensive Decisions

This is where I believe a conversation with a REALTOR® can be particularly valuable.

Before investing thousands of dollars in improvements, it's worth understanding how your property compares with other homes in your area.

A comparative market analysis considers relevant properties, recent sales, current competition and the characteristics of your home.

It isn't a guarantee of a future selling price, particularly when you're planning months ahead.

But it can provide a useful starting point.

For example, if buyers in your neighbourhood generally expect a certain level of finish, that may influence which improvements are worthwhile.

Conversely, if your property is likely to appeal to buyers planning their own renovations, expensive cosmetic upgrades might offer limited benefit.

The smartest renovation is not necessarily the most beautiful one. It's the one that makes sense for your property and your plans.

Think About Where You're Going Next

Selling your current home is only half of the equation.

Where are you going afterward?

Are you downsizing?

Moving closer to family?

Looking for a bungalow?

Considering a condominium?

Relocating for work?

Or hoping to purchase a larger property?

These questions can affect everything from your listing timeline to your financing arrangements.

For homeowners who need to sell one property to purchase another, timing becomes particularly important.

You may need to consider your existing mortgage, available equity, deposit requirements, closing costs and whether temporary financing could be necessary.

As both a REALTOR® and Mortgage Agent Level 2, I particularly enjoy helping clients look at these pieces together.

Because finding the right next home is wonderful.

Finding it without understanding how the finances and closing dates fit together? Considerably less wonderful.

Don't Forget the Documents

Another advantage of preparing early is having time to locate important property information.

Depending on your home, useful documents may include:

• Property tax information and utility costs

• Permits and warranties for completed improvements

• Roof, furnace and air-conditioning maintenance records

• Surveys or other available property documentation

• Condominium documents, where applicable

• Information about rental equipment or contracts

• Your existing mortgage details

You won't necessarily need every document immediately.

However, identifying what you have and what might be missing can prevent delays or confusion later.

If you're uncertain about permits, ownership issues, legal obligations or property disclosures, your lawyer and other qualified professionals can help clarify the requirements.

The Market May Change Before You're Ready

Here's an important reality about planning a sale months in advance.

We cannot know exactly what the market will look like when you're ready to list.

Interest rates, available inventory, buyer demand and local economic conditions can all change.

That's why I don't believe homeowners should base major life decisions on confident predictions about what prices will do next spring.

Instead, I prefer to prepare for the market we actually encounter.

That means reviewing comparable sales closer to your listing date, understanding the current competition and developing a pricing and marketing strategy based on up-to-date information.

Preparation gives us flexibility.

It doesn't require us to predict the future.

Sometimes the Best Advice Is to Wait

Not every homeowner who contacts me needs to sell immediately.

Sometimes the numbers don't support the move.

Sometimes the next property isn't available.

Sometimes a family needs more time.

And sometimes a homeowner simply realizes that staying put makes the most sense for now.

That's a perfectly reasonable outcome.

A good real estate conversation should help you understand your options, not pressure you into making a decision.

Let's Make a Plan Before There's a Deadline

If you're thinking about selling your home in Kitchener, Waterloo, Cambridge, Elmira or elsewhere in Waterloo Region, I'd be happy to help you start preparing.

We can discuss your property's current condition, potential improvements, a preliminary market assessment and the practical steps involved in your next move.

There's no requirement to list immediately.

No obligation to renovate the kitchen.

And absolutely no expectation that you've already cleaned out that mysterious storage room.

We'll get there.

The goal is simple: when you're ready to make your move, you'll have a plan rather than a panic.

Charlotte Ferguson
REALTOR® | Royal LePage Wolle Realty
Founder, Magnolia Group
519-575-1804
www.yourmagnoliagroup.com

This article provides general real estate information. Property values, market conditions, financial considerations and legal obligations vary. Seek appropriate professional advice for your individual circumstances.

By Charlotte Ferguson, REALTOR® | Royal LePage Wolle Realty

There's something undeniably lovely about touring a home on a crisp November afternoon.

The lights are warm, the fireplace might be glowing, and the house feels especially inviting when it's chilly outside.

But here's something I always encourage buyers to remember:

A home can look wonderful in winter while some of its most important features are hiding in plain sight.

Or, more accurately, hiding under snow, fallen leaves, or approximately three months of Canadian weather.

Buying a home during the colder months isn't necessarily more difficult. It simply calls for a slightly different approach.

Whether you're searching in Kitchener, Waterloo, Cambridge, Elmira or elsewhere in Waterloo Region, here are some things worth paying particular attention to.

1. The Roof Might Be Difficult to Assess

A roof is an important part of any home inspection, but winter conditions can make it harder to evaluate.

Snow, ice and limited visibility may prevent an inspector from seeing the condition of shingles, flashing and certain roof components.

That doesn't automatically mean there's a problem.

It means there may be limitations to what can be confirmed during the inspection.

What to do: Ask about the roof's approximate age, available maintenance records, known repairs and any history of leaks. Have your home inspector explain what they could and couldn't assess.

2. Grading and Drainage Can Be Harder to See

In warmer months, it's easier to observe how the ground slopes around a property.

Once snow arrives, that becomes more challenging.

Improper grading, blocked drainage routes or water collecting near a foundation can contribute to moisture concerns.

What to do: Look for visible signs of past moisture intrusion, ask about drainage history and review accessible basement and foundation areas with your inspector.

If drainage or foundation concerns arise, further evaluation by a qualified specialist may be appropriate.

3. The Heating System Becomes Particularly Important

One advantage of touring a home during colder weather is that you may have an opportunity to experience its heating system while it's actually needed.

Does the home feel comfortable throughout?

Are certain rooms noticeably colder?

Is the heating equipment operating normally?

Temperature differences aren't automatically evidence of a serious defect, but they can be worth investigating.

What to do: Ask about the heating system's age, maintenance history and fuel source. Have the equipment assessed as appropriate, and consider the potential costs of future repairs or replacement.

4. Windows and Doors Deserve a Closer Look

Cold weather can make drafts more noticeable.

During a showing, pay attention to windows, exterior doors and areas where cold air may be entering.

Condensation can also provide useful clues, although it doesn't necessarily mean a window has failed. Indoor humidity, ventilation and outdoor temperatures can all contribute.

What to do: Ask about window age and replacement history, and have concerns about moisture, seals or drafts evaluated.

5. Snow Can Conceal Exterior Features

That lovely white blanket across the backyard?

It may be covering landscaping, patios, walkways, retaining walls or uneven ground.

It can also make it difficult to judge the condition of a driveway or certain exterior surfaces.

And if you're buying a property with a pool, the equipment and surrounding features may not be fully accessible for inspection.

What to do: Ask for available photographs taken during warmer months, request maintenance information and discuss any inspection limitations before finalizing your purchase.

Don't assume that something is in good condition simply because it isn't visible.

6. Shorter Days Can Change How You Experience a Property

A home that feels bright and cheerful at noon may have a different atmosphere later in the afternoon.

During the fall and winter, daylight hours are shorter, making natural lighting particularly important to assess.

Think about the direction the windows face, how much natural light enters the main living areas and whether nearby buildings or trees affect sunlight.

What to do: If possible, visit at a different time of day or ask questions about natural lighting throughout the year.

And consider exterior lighting, particularly around entrances, driveways and walkways.

7. Don't Forget About Winter Access and Maintenance

A property's winter responsibilities can be easy to overlook when you're focused on its interior.

Consider the driveway, sidewalks, steps and access to the home.

Is there enough space for snow storage?

Will certain walkways require regular attention?

Are there steep areas that could become slippery?

If you're purchasing a condominium, review the applicable maintenance arrangements and governing documents rather than assuming every exterior responsibility is handled by the corporation.

What to do: Understand the property's maintenance obligations and consider how they fit your lifestyle.

8. Your Home Inspection May Have Seasonal Limitations

This is perhaps the most important point.

A home inspection is a valuable part of the purchasing process, but it is not a guarantee that every condition or defect will be discovered.

Winter weather can limit access to certain components and make some systems difficult to test.

Air conditioning, pools, exterior water systems and other seasonal features may not be fully assessable under certain conditions.

A qualified home inspector should explain the scope and limitations of the inspection.

Depending on the property and your concerns, additional specialist assessments, documentation or appropriate contractual protections may be worth discussing with your REALTOR® and lawyer.

Does That Mean You Should Avoid Buying in Winter?

Not at all.

Every season presents different opportunities and challenges.

Winter can reveal how a home performs in colder conditions, while spring and summer may make exterior features easier to evaluate.

The important thing is recognizing what you can see, what you cannot see and which questions still need answers.

A thoughtful buying decision isn't about finding a home with absolutely no imperfections.

It's about understanding the property well enough to decide whether it's the right home, at the right price, with risks and responsibilities you're comfortable accepting.

Thinking About Buying in Waterloo Region?

Whether you're looking in Kitchener, Waterloo, Cambridge or one of our surrounding communities, I'd be happy to help you navigate the homebuying process.

As both a REALTOR® and Mortgage Agent Level 2, I can help you consider the property itself alongside the financing decisions involved in purchasing it.

Because finding the right home is about more than falling in love with the living room. It's about understanding everything that comes with the keys.

Charlotte Ferguson
REALTOR® | Royal LePage Wolle Realty
Founder, Magnolia Group
519-575-1804
www.yourmagnoliagroup.com

General educational information only. Property conditions and inspection limitations vary. Buyers should obtain advice from qualified home inspectors, lawyers and other appropriate professionals for their particular circumstances.

Real estate headlines love a dramatic entrance. Your moving plans deserve a little more context than that.

The October 2026 Waterloo Region summary reports 489 residential sales, 1,025 residential properties listed, and an average residential sale price of $718,851.

Those numbers offer a regional snapshot. The useful next step is understanding how your neighbourhood, property type, and plans fit into it.

A closer look at average prices

The supplied summary shows lower average sale prices across all four property categories compared with October 2025:

The larger percentage changes were in apartment-style condos and townhomes. Detached and semi-detached averages showed smaller declines.

An average is influenced by which homes sold during the month. These changes do not mean every individual home lost the same percentage of its value. A specific property needs a closer look at comparable sales, location, condition, and features.

If you’re thinking about buying

A regional average is a starting point for a conversation, rather than a shopping budget. Focus on recent sales for the type of home and neighbourhood you’re considering, and get clear on your comfortable monthly costs before making an offer.

The October summary alone cannot tell us how much negotiating room a particular seller has. That takes a closer look at the listing, competing properties, and recent local activity.

If you’re thinking about selling

Start with what similar homes have actually sold for recently. Asking prices tell you what sellers hope to receive; completed sales give you evidence to help shape your own pricing strategy.

Presentation, condition, and the alternatives buyers can choose from also matter. Your neighbour’s asking price may be interesting. It does not get the final vote.

If you’re buying and selling

Look at both sides of the move together. What you may receive for your current home, what your next home may cost, and the costs of moving all belong in the same conversation. A change in one price alone does not tell the whole story.

You don’t need to predict the entire market to start planning. You need relevant information for your own next step.

Want to understand what these numbers mean for your neighbourhood or the home you’re hoping to buy? Message me OCTOBER or call 519-575-1804. We’ll put the regional headlines into local context.

Charlotte Ferguson, REALTOR®
Magnolia Group | Royal LePage Wolle Realty, Brokerage
Home. Belonging. Together.

Source: supplied Royal LePage Wolle Realty Waterloo Region October 2026 summary, attributed to Cornerstone Association of REALTORS® through the MLS® System. Figures shown as of November 3, 2026. Percentage changes above apply to average sale prices, compared with the same month last year.

October 28, 2026 | Magnolia Group | Finding Home with Charlotte

Home is where the heart is. And, quite often, where the dog hair is, too. 🐕

When we think about finding the perfect home, we usually start with the essentials: location, price, bedrooms, bathrooms and maybe that beautiful kitchen we've been dreaming about.

But for millions of Canadians, there's another very important member of the household whose needs influence the search.

The one with four legs, a favourite toy and absolutely no intention of contributing to the mortgage payments.

Our pets!

From fenced backyards and walking trails to pet-friendly condominiums and neighbourhood parks, our furry family members are influencing how Canadians think about homeownership.

And Canadian research suggests that their influence is anything but small.

🐾 Pets Are Family in Canadian Households

According to a September 2025 Ipsos survey conducted for HomeEquity Bank, 59% of Canadian adults surveyed own a pet.

Among Gen Z and Millennials, that number rises to 68%.

The research also found that:

• 83% of pet owners reported mental health benefits from pet ownership.

• 75% recognized social and emotional benefits, including companionship.

• 51% reported physical health benefits.

It's not difficult to understand why.

Our pets are our companions, our walking partners, our unofficial therapists and occasionally the reason we haven't had an uninterrupted night's sleep in years.

They become part of our routines, our memories and our sense of belonging.

So naturally, when it's time to move, their needs become part of the conversation.

Source: Ipsos / HomeEquity Bank, September 2025. Survey of 1,501 Canadian adults.

🏡 Would Canadians Move for Their Dogs? Absolutely!

A 2022 Rover survey of 500 Canadian dog parents explored how dogs influence housing preferences.

The findings revealed just how much consideration Canadians give their four-legged companions when choosing where to live.

69% Would Move to Better Accommodate Their Dog

For many dog owners, finding the right property isn't simply about upgrading the kitchen or gaining another bedroom.

It might mean moving somewhere with a larger backyard, fewer stairs, better outdoor access or a more suitable layout.

A home that works beautifully for two adults might feel completely different once you add a Labrador who believes every room should accommodate a full-speed game of fetch.

And yes, sometimes the dog gets the bigger yard before the humans get their dream kitchen.

75% Prioritize Neighbourhood Walkability

For dog owners, a neighbourhood isn't just about the house itself.

It's about what happens when you step outside the front door.

Are there sidewalks? Walking trails? Quiet residential streets? Green spaces?

Can you comfortably walk your dog without having to drive somewhere first?

Walkability can make everyday life more convenient, especially for households with active dogs.

And the benefits extend beyond our pets. Walkable neighbourhoods can encourage exercise, outdoor activity and stronger connections within the community.

59% Prefer a Fenced Yard

A fenced backyard is one of the most appealing dog-friendly home features identified in Rover's Canadian survey.

And really, who wouldn't appreciate being able to open the back door without immediately organizing a neighbourhood-wide search party?

A securely fenced yard can offer convenience and a designated outdoor area for pets.

However, not all fences are created equal.

When viewing a property, pet owners should consider fence height, gate security, gaps, maintenance and whether the enclosure suits their particular dog.

A backyard may look beautiful in listing photographs, but it's worth checking whether it will actually work for your pet.

70% Would Pay More for Pet-Friendly Amenities

The Rover survey also found that 70% of respondents would spend more for pet-friendly housing amenities.

This highlights how important pet-related features can be to some households.

Whether it's convenient outdoor access, nearby walking trails or a pet-friendly building, these features can influence how buyers evaluate a property.

Of course, willingness to pay more does not necessarily mean every pet-friendly feature increases a home's resale value by a particular amount.

That depends on the property, neighbourhood and local market.

Source: Rover Canada, 2022 Canadian dog parent survey. These results reflect surveyed dog parents rather than all Canadian homeowners.

🇨🇦 Canadian Homebuyers Are Thinking About Space for Pets, Too

More recent Canadian housing research supports the importance of space and lifestyle when choosing a home.

In March 2026, CENTURY 21 Canada released findings from an Ipsos study exploring what Canadians want in their ideal homes.

Among respondents likely to purchase a home, the most frequently selected priorities beyond price included:

Respondents could select up to five priorities.

The finding that stands out to me is that nearly one-third of likely Canadian homebuyers identified sufficient space for family or pets as an important consideration.

This doesn't mean every respondent owns a pet. It does demonstrate that the way we live, and who we share our homes with, plays a meaningful role in our housing preferences.

Source: CENTURY 21 Canada / Ipsos, March 2026. Homebuying priority results based on 439 likely buyers.

🌳 What Makes a Home Pet-Friendly in Waterloo Region?

Here in Waterloo Region, we're fortunate to have a variety of neighbourhoods, housing styles and outdoor spaces to consider.

But finding a pet-friendly home involves more than simply checking whether the property has a backyard.

Here are some things I encourage pet-owning buyers to consider.

1. Outdoor Space That Fits Your Pet

A large yard can be wonderful, but size isn't everything.

Consider how the outdoor space will actually function.

Is it securely fenced? Is there room for exercise? Are there hazards, steep slopes or landscaping that could be problematic?

A smaller, thoughtfully designed backyard may work better than a larger property that requires significant improvements.

2. Walkable Neighbourhoods

Waterloo Region offers a variety of residential neighbourhoods with access to sidewalks, trails and parks.

When considering a property, look beyond the listing photographs.

Explore the surrounding streets. Visit at different times of day. Think about what your daily walking routine would look like.

Your dog's ideal neighbourhood might have more to do with the walking route than the size of the living room.

3. Flooring and Interior Layout

Pets can be surprisingly tough on a home.

Durable flooring, easy-to-clean surfaces, practical entryways and accessible outdoor spaces can make daily life easier.

For older pets, stairs and slippery floors may also become important considerations.

A home that suits your pet today should ideally continue to work as their needs change.

4. Condominium Rules and Pet Restrictions

If you're considering a condominium in Kitchener, Waterloo or Cambridge, it's important to review the condominium's declaration, rules and other governing documents.

Some buildings may have restrictions relating to pets, including size, number or behaviour.

Never assume a condominium is pet-friendly simply because you've seen someone walking a dog through the lobby.

Review the applicable documents before committing to a purchase.

5. Nearby Veterinary Care and Pet Services

Access to veterinary services, grooming, boarding and pet supplies may also be important.

For households with older pets or animals requiring regular medical attention, convenient access to veterinary care can be particularly valuable.

🐕 What About Selling a Home When You Have Pets?

Pet owners aren't the only people who should think about animals when it comes to real estate.

If you're selling a home, it's worth considering how your pets and their belongings may affect the showing experience.

A few thoughtful preparations can make a difference.

Keep the home fresh and clean. Pet odours can become familiar to homeowners, but they may be noticeable to visitors.

Minimize visible pet accessories. You don't need to hide every sign of your furry family member, but organizing toys, beds and feeding stations can help rooms feel more spacious.

Plan for showings. For everyone's comfort and safety, arrange for pets to be away from the property or securely managed during showings.

Highlight practical property features. A fenced yard, durable flooring or convenient outdoor access may appeal to buyers with pets, while also offering benefits to other households.

The goal isn't to pretend pets don't live there.

It's to help potential buyers imagine how the property could work for their own lifestyle.

❤️ Finding Home Means Finding a Place for Everyone

Here's what I love about this research.

It reminds us that real estate isn't simply about square footage, interest rates or property values.

It's about the lives we build inside our homes.

It's the sunny spot by the window where the cat spends every afternoon.

It's the backyard where the dog races around after the first snowfall.

It's the familiar walking route, the favourite neighbourhood park and the quiet evenings when everyone is finally home.

When we're searching for the right property, those little things matter.

And sometimes, they're not so little.

A home should fit your life, your priorities and the people and pets who make your family complete.

🏡 Looking for a Pet-Friendly Home in Waterloo Region?

Whether you're searching for a fenced backyard, a walkable neighbourhood, a low-maintenance property or a home with more room for your growing family, I'd love to help.

As a REALTOR® serving Kitchener, Waterloo, Cambridge and surrounding communities, I believe finding home is about much more than finding a property.

It's about finding the right place to belong.

And yes, your four-legged family members are welcome to have an opinion.

Although I can't promise they'll approve of the paint colours. 🐾

Charlotte Ferguson | REALTOR®
Magnolia Group | Royal LePage Wolle Realty

📞 519-575-1804
🌐 www.yourmagnoliagroup.com

Home. Belonging. Together.

Sources and Further Reading

• Rover Canada, 2022 Canadian Dog Parent Survey.

• Ipsos / HomeEquity Bank, Pet Ownership and Well-Being in Canada, September 2025.

• CENTURY 21 Canada / Ipsos, The Great Canadian Housing Gap, March 2026.

Research findings represent different surveyed populations and should not be interpreted as statistics describing all Canadian homeowners or Waterloo Region buyers specifically.

October 28, 2026 | Mortgages by Charlotte

The Bank of Canada has increased its target overnight interest rate by 25 basis points, moving from 2.25% to 2.50%.

This marks the Bank's first interest rate increase since July 2023 and represents an important development for Canadian homeowners, buyers and anyone approaching a mortgage renewal.

While headlines about rising interest rates can create uncertainty, understanding how this decision affects different mortgage products can help you make informed financial choices.

## Why Did the Bank of Canada Raise Rates?

The Bank of Canada's primary responsibility is to maintain price stability, with a target inflation rate of 2%.

In its October announcement, the Bank highlighted concerns that persistently elevated energy prices could contribute to broader inflation throughout the Canadian economy.

Higher energy costs can influence transportation, manufacturing, food distribution and everyday household expenses.

The Bank increased its policy rate to help contain these inflationary pressures.

Governor Tiff Macklem also indicated that further increases could become necessary, although future decisions will depend on economic conditions.

For mortgage borrowers, the important message is that interest rates can change, and planning ahead remains valuable.

## What Does This Mean for Variable-Rate Mortgages?

Variable-rate mortgages are generally tied to a lender's prime lending rate.

When the Bank of Canada changes its overnight rate, financial institutions commonly adjust their prime rates in response.

However, the timing and amount of each lender's adjustment must be confirmed independently.

There are two important types of variable-rate mortgages.

### Adjustable-rate mortgages

With an adjustable-rate mortgage, your payment generally changes when your lender's prime rate changes.

If your mortgage rate increases by 0.25 percentage points, your required payment will typically increase.

### Fixed-payment variable-rate mortgages

Some variable-rate mortgages maintain a fixed regular payment even when interest rates change.

In these cases, an increase in interest rates generally means:

- More of your payment goes toward interest.

- Less goes toward reducing your principal.

- Your effective amortization may become longer.

Depending on your lender and mortgage agreement, reaching a trigger rate or other contractual threshold may require a payment adjustment.

### What might a 0.25% increase cost?

Consider an illustrative mortgage with a $400,000 balance and 25 years remaining.

If the mortgage rate increased from 4.00% to 4.25%, the approximate monthly payment would change as follows:

| Mortgage rate | Monthly payment |

|---|---:|

| 4.00% | $2,104 |

| 4.25% | $2,161 |

| Difference | +$57/month |

Illustration assumes monthly payments, Canadian semi-annual compounding and a fully amortizing mortgage. Actual results depend on your lender, mortgage structure and remaining amortization. This is not a quotation of current lender rates.

Although a quarter-point increase may seem relatively small, its impact can accumulate over time.

## What Does This Mean for Fixed-Rate Mortgages?

If you currently have a fixed-rate mortgage, today's announcement does not change your contracted interest rate or scheduled principal-and-interest payment during your existing term.

However, if you are purchasing a home, refinancing or renewing, the situation is different.

Fixed mortgage rates are influenced by several factors, including:

- Government of Canada bond yields.

- Financial market expectations.

- Lender funding costs.

- Competitive mortgage pricing.

- Economic and inflation forecasts.

A Bank of Canada rate increase does not automatically translate into an identical increase in fixed mortgage rates.

Markets often anticipate policy decisions before they occur, meaning some of the expected changes may already be reflected in available fixed-rate offers.

## Mortgage Renewals: Why Planning Ahead Matters

If your mortgage is renewing in the next three to six months, this is an excellent time to review your options.

Your existing mortgage rate may be considerably different from the rates available today.

But your renewal decision should involve more than simply finding the lowest advertised rate.

Consider the following questions:

1. How will your new payment fit your budget?

Review your anticipated payment and ensure it remains comfortable alongside your other financial obligations.

2. Should you consider a fixed or variable rate?

Both products offer potential advantages and risks. Your choice should reflect your tolerance for payment fluctuations, financial flexibility and longer-term goals.

3. Is your current lender offering competitive terms?

Your existing lender's renewal offer may be convenient, but it is worth comparing available options before accepting.

4. Have your financial circumstances changed?

A renewal can be an opportunity to review your mortgage structure, payment frequency, prepayment privileges and overall financial plan.

5. Are you considering moving or refinancing?

If a change in your housing needs or financial circumstances is approaching, your mortgage terms and potential penalties deserve careful consideration.

## Should You Lock In Your Variable Mortgage?

There is no universal answer.

Converting a variable-rate mortgage into a fixed-rate mortgage may provide greater payment predictability, but the fixed rate offered, remaining term, lender conditions and future flexibility all matter.

Before making a change, compare the financial implications of maintaining your current mortgage against the terms of the proposed conversion.

A decision based solely on today's interest rate announcement may overlook important factors.

## What Happens Next?

The Bank of Canada's next scheduled interest rate announcement is December 9, 2026.

Whether the Bank increases, decreases or maintains its rate will depend on incoming economic data, inflation trends and the broader economic outlook.

Homeowners should be prepared for more than one possible outcome rather than assuming that today's increase guarantees further increases.

## The Bottom Line

The Bank of Canada's decision to increase its overnight rate to 2.50% is a reminder that mortgage planning should be proactive rather than reactive.

For variable-rate borrowers, understanding how your mortgage responds to changes in lender prime rates is essential.

For fixed-rate borrowers, your current mortgage remains protected by its contracted rate until the end of its term.

And for anyone approaching renewal, reviewing your options early can provide greater clarity and confidence.

Your mortgage should support your financial goals, not simply respond to the latest headline.

### Let's Review Your Mortgage Options

Whether you're approaching renewal, considering a refinance, purchasing a home or simply wondering how today's announcement affects you, I'm here to help you understand your options.

Charlotte Ferguson | Mortgage Agent Level 2

Dominion Lending Centres National Ltd. | Licence #12360

📞 519-575-1804

🌐 www.mortgagewithchar.com

This article is for general educational purposes. Mortgage products, rates, qualification requirements and lender policies vary. Individual mortgage advice should be based on your specific circumstances.

Source: Bank of Canada, October 28, 2026 monetary policy announcement and Governor's opening statement.

Published October 27, 2026 | Magnolia Group | Community News

On Monday, October 26, 2026, residents across Waterloo Region headed to the polls to elect the people who will represent their communities for the next four years.

From property taxes and municipal spending to housing, infrastructure, public transit, recreation and education, decisions made by local elected officials directly influence the communities where we live, work and raise our families.

At Magnolia Group, we believe that finding home means more than finding the right property. It means feeling connected to your community and understanding the decisions that shape its future.

This guide brings together the reported election results for Kitchener, Waterloo, Cambridge, Woolwich, Wellesley, Wilmot and North Dumfries.

Important: The results below are reported as unofficial as of October 27, 2026. Final results are subject to certification by the appropriate municipal clerks.

## 1. Waterloo Region's Mayors: 2026–2030

Seven municipalities make up the Regional Municipality of Waterloo. Each has its own mayor and local council.

| Municipality | Reported Elected Mayor |

|---|---|

| City of Kitchener | Berry Vrbanovic |

| City of Waterloo | Shannon Weber |

| City of Cambridge | Scott Hamilton |

| Township of Woolwich | Evan Burgess |

| Township of Wellesley | Chris Martin |

| Township of Wilmot | Kristopher Wilkinson |

| Township of North Dumfries | Rodney Rolleman |

Mayors lead their municipal councils and represent their communities in local decision-making. They also serve on Waterloo Regional Council.

## 2. Municipal Councillors Across Waterloo Region

Your local councillor is often the first point of contact for neighbourhood concerns, municipal services, local infrastructure and ward-specific issues.

### City of Kitchener

| Ward | Reported Elected Councillor |

|---|---|

| Ward 1 | Scott Davey |

| Ward 2 | Dave Schnider |

| Ward 3 | Jason Deneault |

| Ward 4 | Christine Michaud |

| Ward 5 | Tracey Weiler |

| Ward 6 | Paul Singh |

| Ward 7 | Bil Ioannidis |

| Ward 8 | Margaret Johnston |

| Ward 9 | Debbie Chapman |

| Ward 10 | Sam Nabi |

### City of Waterloo

| Ward | Reported Elected Councillor |

|---|---|

| Ward 1 | Sandra Hanmer |

| Ward 2 | Shawn Humes |

| Ward 3 | Victoria Robertson |

| Ward 4 | Diane Freeman |

| Ward 5 | Scott Piatkowski |

| Ward 6 | Mary Lou Roe |

| Ward 7 | Julie Wright |

### City of Cambridge

| Ward | Reported Elected Councillor |

|---|---|

| Ward 1 | Helen Shwery |

| Ward 2 | Mark Linton |

| Ward 3 | Corey Kimpson |

| Ward 4 | Ross Earnshaw |

| Ward 5 | Sheri Roberts |

| Ward 6 | Adam Cooper |

| Ward 7 | David Guerin |

| Ward 8 | Nicholas Ermeta |

### Township of Woolwich

| Ward | Reported Elected Councillors |

|---|---|

| Ward 1 | Nathan Cadeau and Tina Weltz |

| Ward 2 | Steven Haase |

| Ward 3 | Bonnie Bryant and Eryn Koncir |

### Township of Wellesley

| Ward | Reported Elected Councillor |

|---|---|

| Ward 1 | Shelley Wagner |

| Ward 2 | Chris Van Bargen |

| Ward 3 | Derek Brick |

| Ward 4 | Claude Hergott |

### Township of Wilmot

| Ward | Reported Elected Councillors |

|---|---|

| Ward 1 | Stewart Cressman |

| Ward 2 | Michael Roth |

| Ward 3 | Harvir Sidhu |

| Ward 4 | Scott Dunstall and Steven Martin |

### Township of North Dumfries

| Ward | Reported Elected Councillor |

|---|---|

| Ward 1 | Derrick Ostner |

| Ward 2 | Denise Vanderhorst |

| Ward 3 | Alida Wilms |

| Ward 4 | Jonathan Bos |

## 3. Waterloo Regional Council

While local municipal councils address many neighbourhood-level matters, Waterloo Regional Council makes decisions affecting services shared across the Region.

These include regional roads, public transit, water and wastewater systems, waste management, public health and certain housing and social services.

### Reported Regional Councillors

Kitchener

- Colleen James

- Matt Rodrigues

- Joe Gowing

- Michael Harris

Waterloo

- Jim Erb

- Chantal Huinink

Cambridge

- Doug Craig

- Pam Wolf

### Regional Chair

Karen Redman holds the position of Regional Chair through provincial appointment and was not elected through the October 26 municipal ballot.

Understanding the difference between local and regional government can help residents identify the appropriate representative when raising concerns or seeking information.

## 4. Waterloo Region School Board Trustees

School board trustees are elected representatives who participate in decisions about school board policies, budgets, strategic priorities and oversight.

Their responsibilities are different from those of municipal councillors, but their decisions are equally relevant to families throughout the Region.

### Waterloo Region District School Board (WRDSB)

Kitchener

- Rachel McQuail

- Mark Cairns

- Marjorie A. Brown

- Brent Hutzal

Waterloo and Wilmot

- Brian Best

- Karen Coviello

- Kathleen Woodcock

Cambridge and North Dumfries

- Cindy Watson

- Shannon Adshade

- Carla Johnson

Woolwich and Wellesley

- Jen Burkholder

### Waterloo Catholic District School Board (WCDSB)

Kitchener and Wilmot

- Sandra Wojcik

- Ruthann Fisher

- Harriet Cullen

- Josh Rivers

Waterloo, Woolwich and Wellesley

- Linda Cuff

- Conrad Stanley

Cambridge and North Dumfries

- Marisa Phillips

- Jennifer Allore

- Winston Darryl Francis

### French-Language School Boards

Conseil scolaire Viamonde

- Rachid Barrima (acclaimed)

Conseil scolaire catholique MonAvenir

- Dorothée Petit-Pas (acclaimed)

An acclaimed candidate is elected without a vote because the number of certified candidates does not exceed the available positions.

## 5. Why Municipal Elections Matter to Homeowners

Municipal government may not always attract the same attention as provincial or federal politics, but its decisions can have a direct effect on everyday life.

For homeowners and prospective buyers in Waterloo Region, several areas deserve ongoing attention.

### Property Taxes and Municipal Budgets

Local and regional budgets influence property tax requirements and funding for municipal services.

Understanding how your municipality allocates resources can help you follow decisions that affect household expenses and community services.

### Housing and Development

Municipal planning decisions help shape where new housing can be built, how neighbourhoods evolve and how infrastructure supports growth.

These decisions matter whether you're purchasing your first home, considering a move or planning to remain in your current neighbourhood.

### Roads, Transportation and Infrastructure

Road maintenance, traffic management, transit services and infrastructure investments affect commuting, accessibility and neighbourhood connectivity.

### Recreation and Community Services

Libraries, parks, community centres, trails and recreational facilities contribute to everyday quality of life.

### Education

School board trustees help oversee decisions about public education within their respective boards.

For families considering a move, understanding local schools and board boundaries is an important part of researching a neighbourhood. School attendance eligibility should always be confirmed directly with the appropriate board.

## 6. What Happens Next?

Following the October 26 election, municipal clerks complete the official results process.

Newly elected councils and school board trustees will begin their terms in accordance with Ontario's municipal election legislation.

Residents can stay informed by following municipal council agendas, attending public meetings, reviewing budget consultations and contacting their elected representatives.

You don't need to wait for another election to participate in the decisions affecting your community.

## 7. Thank You, Waterloo Region

To everyone who voted, volunteered, worked at a polling station or put their name forward as a candidate: thank you.

Congratulations to the newly elected representatives, and thank you to outgoing councillors and trustees for their public service.

Whatever our individual priorities may be, we share an interest in communities that are welcoming, connected and responsive to the people who call them home.

At Magnolia Group, community involvement is part of what home means to us.

Home. Belonging. Together.

### Stay Connected With Your Community

Whether you're thinking about buying, selling or simply learning more about life in Waterloo Region, we're here to help you explore the communities that make this area special.

Charlotte Ferguson

REALTOR® | Royal LePage Wolle Realty

Magnolia Group

www.yourmagnoliagroup.com

Editor's note: This article reflects reported unofficial results as of October 27, 2026. Readers should consult their municipality and school board for certified results and any subsequent corrections.