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The Campbell-Maric Group

@tcmgrealty

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Ottawa real estate, told straight.
Buy • Sell • Invest • Relocate
East & west end | eXp Realty Brokerage
👇 Free Ottawa Buyer Guide
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Your mortgage isn't five years. It's 25. Maybe 30. 🏡 Real estate, defined: amortization is the total time it takes to pay off your mortgage. Your 3 to 5 year term is just one chapter of it. Why it matters. On a $500,000 mortgage at 4%: 25 years: about $2,630 a month 30 years: about $2,378 a month, plus roughly $67,000 more in interest Lower payment today. Bigger bill over time. The shortcut: lump sums and extra payments, within your lender's limits, chip years off the clock. Know your number before you sign. yourhomeinottawa.ca Example only: 4% held for the full amortization, compounded semi-annually. Not mortgage advice. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #CanadianRealEstate #FirstTimeHomeBuyer #Amortization #YourHomeInOttawa by @tcmgrealty
Ottawa real estate, this past week. 📊 162 homes sold in Ottawa in the seven days to November 1. The same week last year: 206. That's about one in five fewer. Meanwhile, 340 new listings came on across the Ottawa area, with a median list price of $622,450. And across Ontario, 80% of homes sold below their list price. Buyers have room to negotiate. Sellers, price for today. Every number, every week, free in our Market Pulse at yourhomeinottawa.ca (link in bio). Questions? Talk to us first: 613-799-9022. Sources: Homies MLS-connected reports, Ottawa, Oct 25 to Nov 1, 2026; Homies Ontario weekly report, Oct 25 to 31, 2026. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #OttawaHousingMarket #MarketPulse #OttawaHomes #YourHomeInOttawa by @tcmgrealty
Let's be upfront. Our team also works with SecureMyOffer, the company behind Home Closing Insurance and DepositGuard. And it's exactly why every eligible client of ours gets it. We've seen what happens when a firm deal doesn't close on time. Sellers carrying two mortgages. Buyers scraping together a deposit and wiping out the cushion they needed for moving day. So eligible sellers get base Home Closing Insurance. Approved buyers get a $10,000 DepositGuard surety bond. Doing both? You get both. We pay for it. We're not asking you to buy anything. It's just part of how we work. Questions? yourhomeinottawa.ca Eligibility applies. Base Home Closing Insurance is included for eligible listings; the seller is the insured party. Coverage must be in place at least 14 days before the closing date. DepositGuard Surety: approval required, and the seller's side (or builder) must accept it. If the buyer doesn't close, the buyer repays SecureMyOffer as agreed. Full disclosure: Greg Campbell of The Campbell-Maric Group is Business Development Director at SecureMyOffer. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #HomeClosingInsurance #DepositGuard #OttawaHomes #YourHomeInOttawa by @tcmgrealty
Everyone keeps saying it's a buyer's market. So what does that mean if you're selling? Ottawa home sales are down 6.9% so far this year, and new listings keep coming. More homes are competing for fewer buyers. And it's not the same everywhere: condo apartment sales dropped almost 25% in September, and their benchmark price is down about 6%. Single-family homes are holding up much better. For sellers, the playbook changes. Price it right from day one, because buyers compare everything. Get the home ready before the photos. And expect conditions, like a home inspection, in most offers. The homes that sell are priced for today, not for last spring. Want to know where yours fits? yourhomeinottawa.ca Source: OREB, September 2026 release. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #SellingYourHome #OttawaHousingMarket #OttawaHomes #YourHomeInOttawa by @tcmgrealty
New from The Campbell-Maric Group: Ottawa's weekend open house list. 🏡 Every open house in the city, sorted by neighbourhood, with times and asking prices. This weekend that's 294 homes across 22 neighbourhoods. Sunday is the big day, with 248 homes open, most from 2 to 4 PM. Swipe for your area. We picked 10 homes per neighbourhood across every budget, plus the best under $500K and over $1M. Download the full list, printable and sorted by area and time: yourhomeinottawa.ca/open-houses Want the list in your inbox every Friday? Sign up on the same page. Reply to any email with the area or kind of home you're after, and a real person will point you to the right doors. Saw one you liked? Send us the address and we'll pull the sold prices nearby. Times come from MLS® listings and can change. Confirm with the listing brokerage before you go. The Campbell-Maric Group | eXp Realty, Brokerage | 613-799-9022 #OttawaOpenHouse #OttawaRealEstate #OpenHouseOttawa #OttawaHomes #Kanata #Barrhaven #Orleans #Nepean #YourHomeInOttawa by @tcmgrealty
Your mortgage renewal letter is coming. Don't just sign it. A lot of Ottawa homeowners locked in during the low-rate years, and those terms are ending. In CMHC's 2026 survey, about a third of renewers said they were feeling the squeeze, and their payments went up $375 a month, on average. The Bank of Canada just raised its rate to 2.50%, its first increase since 2023. And coming off a rock-bottom rate, renewal already meant a bigger payment. Now there's more reason to shop it. The play: start about four months out, because many lenders let you hold a rate that far ahead. Compare your lender's offer with what a mortgage broker can find. And ask about options like adjusting your amortization. It can ease the monthly payment, but it costs more over time. That letter is an offer, not a requirement. Want an introduction to a broker we trust? yourhomeinottawa.ca Source: CMHC 2026 Mortgage Consumer Survey. BoC rate as of Oct 28, 2026. Not mortgage advice. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #MortgageRenewal #OttawaHomeowners #OttawaHomes #YourHomeInOttawa by @tcmgrealty
Shopping new construction in Ottawa this weekend? Six builder deals worth knowing about, checked Friday morning on each builder's own website: Minto Avalon (Orléans): now from $454,900, down $20,000, with a lot release on Saturday. Urbandale The Creek (Kemptville): $10,000 design bonus plus 5 appliances on the new Aspire Singles. Phoenix Diamondview Estates (Carp): a free finished basement with every new home. Richcraft: save up to $120K on move-in ready homes, from $399,900. Cardel: save up to $25K across all communities. Minto Mahogany and Arcadia: lot releases on November 7. Offers change quickly and come with conditions. Before you visit a sales centre, ask us and we'll walk you through the fine print. Every Ottawa community, with prices and sales centre hours: yourhomeinottawa.ca/new-builds Not affiliated with any builder. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaNewHomes #OttawaRealEstate #NewConstruction #OttawaHomes #YourHomeInOttawa by @tcmgrealty
Ten questions to ask before you hire an agent. Including us. Start by looking the agent up at reco.on.ca. It takes 30 seconds. Then ask about recent Ottawa experience, their multiple offer process, how they're paid, the buyer representation agreement, and three recent references. Our free checklist has what good answers sound like, the red flags, and a scorecard to compare up to three agents. Type your notes on the page, or print it and bring it with you. Save this one. Link in bio. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #FirstTimeHomeBuyer #HomeBuyingTips #YourHomeInOttawa by @tcmgrealty
September's headline said Ottawa prices held steady. The average did: $685,640, almost unchanged. The benchmark price tells a different story. It fell 2.2% from August to $623,500, the largest August to September drop since the index began in 2005. Why the gap? The average measures what sold. The benchmark measures what a typical home is worth. If you're pricing a home this fall, the benchmark is the number your buyers are living in. The full breakdown by property type and area is on our journal. Link in bio. Source: Ottawa Real Estate Board, September 2026. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #OttawaMarket #OttawaHomes #YourHomeInOttawa by @tcmgrealty
What does a home in Ottawa actually cost? Here's our free calculator, step by step. Put in the price and your down payment, and it shows the CMHC insurance, your monthly payment, the stress test rate, property tax and insurance, and the cash you need on closing day. On a $650,000 home with 10% down at a sample 4.49% rate, that's about $3,335 a month and roughly $74,000 in cash to close. New this fall: buying a brand-new home? Tick New build to see the HST relief. On $650,000, that's about $84,500, for agreements signed April 1, 2026 to March 31, 2027. Builders usually credit it at closing, so ask whether your price already includes it. Run your own numbers, then email them to us and we'll go over your real number together: yourhomeinottawa.ca/resources Estimates only. Sample rates, not a quote or financial advice. HST relief applies to new homes bought as a primary residence or long-term rental; confirm eligibility with your real estate lawyer. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #MortgageCalculator #NewBuild #FirstTimeHomeBuyer #YourHomeInOttawa by @tcmgrealty
Who says gold stars are just for kids? ⭐ After years of helping people buy and sell homes across Ottawa, we've learned it's the little habits that make a move smoother, faster and a lot less stressful. Swipe for our list. And yes, referrals always earn five gold stars in our books. 😉 What would you add? Tell us in the comments. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #OttawaHomes #RealEstateTips #HomeBuying #YourHomeInOttawa by @tcmgrealty
Rent or buy in Ottawa? Let's do the actual math. The average two-bedroom rental in Ottawa runs about $2,450 a month. A typical Ottawa condo apartment benchmarks at $380,800. Put 10% down, add the required CMHC insurance, and at an example 4% rate over 25 years, the mortgage comes to roughly $1,860 a month. Add condo fees, property tax and upkeep, and buying and renting cost about the same each month. Here's the difference: about $690 of that very first payment pays down your own loan. That's money you keep. Rent? Gone. The catch is the upfront cash, your down payment plus closing costs. And buying only pays off if you stay put long enough. We'll run your rent versus buy numbers: yourhomeinottawa.ca Sources: Rentals.ca, Oct 2026 report; OREB condo apartment benchmark, Sept 2026. 4% is an example rate, not a quote. Not financial advice. The Campbell-Maric Group | eXp Realty, Brokerage #OttawaRealEstate #RentVsBuy #FirstTimeHomeBuyer #OttawaCondo #YourHomeInOttawa by @tcmgrealty

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