Monday, October 5, 2026

🚨 Cavan Monaghan Council Breakdown: Major Infrastructure, Traffic Laws & Big OPP Policing News! 🏡

Hey everyone! Brad Sinclair here with your essential township governance update. Council meeting on Monday, October 5, 2026, for a heavy-hitting session full of decision-making that impacts our daily drives, tax dollars, local services, and property values across Cavan Monaghan.



As your local real estate guide with RE/MAX Professionals North, I believe in keeping our community informed and protected. Let's dive deep into what was on the table, what was decided, and what it means for you! 🚗💧💡

🏗️ Topic 1: $690,000 Property Acquisition for Tupper Street Pumping Station Expansion

📋 The Impactful Decision

Council will be voting on By-law No. 2026-51 to ratify an Agreement of Purchase and Sale to acquire the residential property at 24 Tupper Street, Millbrook (a 0.83-acre lot with a brick bungalow and detached garage) for $690,000 plus legal costs.

┌────────────────────────────────────────────────────────────────────────┐
│                   TUPPER STREET EXPANSION FINANCING                    │
├───────────────────────────────┬────────────────────────────────────────┤
│ Total Property Cost           │ $690,000 + Legal Fees                  │
├───────────────────────────────┼────────────────────────────────────────┤
│ Development Charges (DC)      │ $412,000                               │
├───────────────────────────────┼────────────────────────────────────────┤
│ Water/Wastewater Reserve      │ Remaining Balance (Internal Loan)      │
└───────────────────────────────┴────────────────────────────────────────┘

This acquisition allows the township to proceed with necessary site expansions for the adjacent pumping station at 22 Tupper Street, including a new driveway, building expansion to the east, and a stand-by generator system. Funding comes from $412,000 in Development Charges, with the remainder internally borrowed from the Water Wastewater Reserve(to be repaid via future property resale or capital surplus).

⚡ The Big News & Controversy

Growth management is always a hot topic! To support residential and commercial expansion in North Millbrook, major infrastructure upgrades are required.

💡 Did You Know? The township secured a massive Health and Safety Water Stream (HSWS) Grantcovering 73% ($2,463,750) of the $3,375,000 total project cost!

Buying residential land for municipal utility expansions can spark local debate, but utilizing provincial grant dollars and development fees keeps the burden off direct property tax hikes.

🏡 The Real Estate Impact

  • System Capacity & Growth: Expanding wastewater capacity unlocks future residential phases and commercial/industrial employment lands.

  • Neighbourhood Adjustments: Direct neighbours near Tupper Street will see municipal activity transition next door, though municipal planning aims to minimize neighbourhood disruptions.

🌲 The Local Perspective

Reliable wastewater infrastructure ensures that as Millbrook grows, our local rivers and natural environments stay safe and clean.

🏠 Property Impact Note: Infrastructure expansion maintains strong long-term real estate values by securing municipal service capacity for expanding sub-divisions and commercial hubs!

🚔 Topic 2: Considering a Transition to OPP Policing Services

📋 The Impactful Decision

Council is evaluating Report CAO 2026-05, recommending a formal request to the Ministry of the Solicitor General for an OPP Policing Resource Plan (PRP).

┌────────────────────────────────────────────────────────────────────────┐
│                     POLICING TIMELINE & ROADMAP                        │
├───────────────────────────────┬────────────────────────────────────────┤
│ August 10, 2026               │ Peterborough Police Contract Extended  │
├───────────────────────────────┼────────────────────────────────────────┤
│ October 5, 2026               │ Resolution for OPP Resource Plan (PRP) │
├───────────────────────────────┼────────────────────────────────────────┤
│ Early 2027                    │ Costing Discussions (OPP vs. City)     │
├───────────────────────────────┼────────────────────────────────────────┤
│ 2028–2032                     │ Implementation of New 5-Year Contract  │
└───────────────────────────────┴────────────────────────────────────────┘

Following the extension of the current contract with the Peterborough Police Service Board through By-law No. 2026-41, staff are initiating early steps to cost out policing options for the 2028–2032 five-year contract.

⚡ The Big News & Controversy

Emergency services represent one of the largest single lines in a municipality's budget! Transitioning from a regional police force (Peterborough Police Service) to the Ontario Provincial Police (OPP) is a significant policy consideration. Local residents care deeply about emergency response times, community visibility, and the impact on property taxes.

🏡 The Real Estate Impact

  • Tax Rate Stability: Exploring competing police service models ensures fiscal responsibility, directly impacting long-term property tax rates.

  • Community Safety: High-quality, responsive policing keeps neighborhoods safe, directly supporting local buyer demand.

🌲 The Local Perspective

Whether it's rural patrols along backroads or community presence in village centers, residents want strong, efficient coverage.

🏠 Property Impact Note: Efficient municipal policing contracts help stabilize municipal tax overhead, keeping homeownership overall more affordable!

🚦 Topic 3: Overhauled Traffic and Parking Bylaw (By-law No. 2026-52)

📋 The Impactful Decision

Council reviewed By-law No. 2026-52, an overhaul and repeal of the existing traffic regulation framework (By-law No. 2024-56).

┌────────────────────────────────────────────────────────────────────────┐
│                        PARKING & SPEED HIGHLIGHTS                      │
├───────────────────────────────┬────────────────────────────────────────┤
│ Nightly Winter Parking Ban    │ Prohibited 12:00 AM – 7:00 AM          │
├───────────────────────────────┼────────────────────────────────────────┤
│ Maximum On-Street Parking     │ 4 Hours (unless signed otherwise)      │
├───────────────────────────────┼────────────────────────────────────────┤
│ Millbrook Settlement Area     │ 50 km/h Blanket Limit                  │
├───────────────────────────────┼────────────────────────────────────────┤
│ Designated Enclave Streets    │ 40 km/h (Carveth, Ford, Highview, etc) │
└───────────────────────────────┴────────────────────────────────────────┘

The updated by-law establishes updated speed limits, parking restrictions, load limits, stop sign designations, and municipal parking lot rules.

⚡ The Big News & Controversy

Speed limits and street parking affect every resident daily!

  • Speed Monitoring: Requests for speed reductions on Fallis Line, Dobbin Road, Preston Road, and Cathcart Crescent are being actively monitored by staff, with temporary speed bumps and alternative technologies slated for review in the 2027 budget.

  • Parking Limits: Updated No Parking rules on Brookside Street and a general 4-hour parking cap on municipal roads are now codified.

🏡 The Real Estate Impact

  • Traffic Calming: Lower speed limits (40 km/h in residential zones like Carveth Drive and Highview Crescent) enhance family-friendly appeal.

  • Street Maintenance: Clear overnight parking rules ensure snowplows operate unimpeded during winter months.

🌲 The Local Perspective

Safer roads make our scenic driving routes and village streets safer for cyclists, pedestrians, and children.

🏠 Property Impact Note: Well-regulated, speed-controlled residential streets protect neighborhood desirability and child safety, directly bolstering property values!

🚰 Topic 4: Millbrook Drinking Water System – DWQMS Management Review

📋 The Impactful Decision

Council received Report Public Works 2026-17, detailing the Drinking Water Quality Management Standard (DWQMS) review.

┌────────────────────────────────────────────────────────────────────────┐
│                    DRINKING WATER PERFORMANCE SNAPSHOT                 │
├───────────────────────────────┬────────────────────────────────────────┤
│ Operating Control             │ Township-run for 18 months             │
├───────────────────────────────┼────────────────────────────────────────┤
│ MECP Inspection Rating        │ 100% Perfect Score (Jan 22, 2026)      │
├───────────────────────────────┼────────────────────────────────────────┤
│ Water Quality / Quantity      │ Clean, Safe, Stable                    │
└───────────────────────────────┴────────────────────────────────────────┘

The annual management review meeting was completed on September 9th, 2026, confirming that raw and treated water quality remain strong and stable.

⚡ The Big News & Controversy

Following a historical watermain break on Dufferin Street in September 2025, water services were restored in 3 days with all test samples clean. The system achieved a 100% compliance rating during the Ministry of the Environment, Conservation and Parks (MECP) annual inspection on January 22, 2026!

🏡 The Real Estate Impact

  • Infrastructure Reliability: A 100% compliant municipal water system is a key selling feature for buyers moving into Millbrook.

🌲 The Local Perspective

Clean water is essential to the health and sustainability of our growing community.

🏠 Property Impact Note: Flawless municipal water audit scores give buyers complete peace of mind, smoothing out home inspections and sales closing processes!

🧸 Topic 5: Delegation Request – Old Millbrook School EarlyON Flooring Refresh

📋 The Impactful Decision

Nancy Hurley, Managing Director of the Old Millbrook School EarlyON Child and Family Centre, presented a funding delegation request.

┌────────────────────────────────────────────────────────────────────────┐
│                    EARLYON FLOORING FUNDING REQUEST                    │
├───────────────────────────────┬────────────────────────────────────────┤
│ 20-Year-Old Flooring          │ Needs full replacement                 │
├───────────────────────────────┼────────────────────────────────────────┤
│ EarlyON Centre Contribution   │ $8,000 – $10,000                       │
├───────────────────────────────┼────────────────────────────────────────┤
│ Township Top-Up Requested     │ $3,000 – $7,000                        │
└───────────────────────────────┴────────────────────────────────────────┘

The center registered 487 unique child visits and 2,739 total child visits between January and June 2026 alone! They are leveraging Ministry of Education one-time funding that must be spent before year-end.

⚡ The Big News & Controversy

Community partnerships keep municipal facilities top-tier without placing the entire bill on municipal taxpayers.

🏡 The Real Estate Impact

  • Family Amenities: Outstanding early learning facilities make Cavan Monaghan a top destination for young families purchasing homes.

🌲 The Local Perspective

Supporting early childhood spaces builds community connections for parents and kids across the Kawarthas.

🏠 Property Impact Note: High-quality family and child resources make local neighborhoods highly attractive to young families, driving steady housing demand!

📜 Summary of Recent Council Actions (From Sept 21, 2026 Minutes)

To keep you fully up to date, here is a recap of key decisions ratified from the prior council meeting:

  • Storm Sewer Replacement: Allocated $90,376.70 in surplus slurry seal funds to complete the Storm Sewer Replacement on Needler's Lane.

  • Property Disposal: Received report on the disposal of the severed portion of 1 Union Street to Woodrow Contracting.

  • Telecommunications Tower Support: Voted to send a letter supporting Eastern Ontario Regional Network (EORN) comments regarding federal tower siting processes.

  • Community Honours: Honoured the passing of local theatre and community icon Rob Winslow.

👇 Help keep our community informed—hit Share to pass this update along to your neighbours. 🏫✨

Questions about anything REAL ESTATE?? Call me for a consultation to help you get on the path to YOUR success….

📞 705-927-6236 👤 Brad Sinclair | Realtor® Re/Max Professionals North 📍 Might as well have the BEST to accomplish your goals.

Families love the Kawarthas/Highlands. Let’s find your place in it. 🌲🏠

📈 Mortgage Rates & Peterborough Real Estate Market Update: October 5, 2026

October 5, 2026

  • Happy Monday, everyone! 🍂 If you are planning to buy, sell, or renew a mortgage across Peterborough, the Kawarthas, or the Highlands as we head into Q4, here is what is happening with mortgage rates, bond yields, and our local real estate market today. 🏡✨

    🏦 Bank of Canada & Bond Yield Highlights

    • 📊 5-Year Bond Yields Hold High: Government of Canada 5-year bond yields are trading around 3.62%–3.65%this morning. Elevated yields mean higher funding costs for banks and lenders, keeping mortgage rates firm as Q4 begins.

    • 📈 Rate Hikes Priced In: With the Bank of Canada policy rate at 2.25% (Prime at 4.45%), financial markets are now pricing in a 39% to 60%+ chance of a rate hike on October 28, and a 100% chance of a hike by December 9.

    • ⚡ Inflation & Energy Pressure: 3.0% headline inflation and high energy costs are pushing rate forecasts higher moving into 2027.

    📊 Major Lender Rate Sheet Breakdown

    Term / OptionHigh-Ratio (Insured)Conventional (Uninsured)Market Trend
    3-Year Fixed3.99% – 4.14%4.39% – 4.64%Popular pick; promotional rates under 3.90% are gone
    5-Year Fixed4.19% – 4.29%4.49% – 4.74%High bond yields are keeping lender margins tight
    5-Year Variable3.30% – 3.35% (Prime - 1.10% to 1.15%)3.65% – 3.85%Lowest current entry point, but carries upside risk before Oct 28

    ⚠️ Broker Alert: Pre-approvals under 4.00% are expiring quickly! If you have an active rate hold, double-check your expiration date now before rates adjust further.

    📍 Peterborough & Kawarthas Regional Market Pulse

    • 🏷️ Price Benchmarks: Peterborough city median sold prices sit steady at $560,000, while Peterborough County (including rural and waterfront homes) averages $708,800.

    • 🏡 Inventory & Absorption: Active listings remain balanced across the region at 329 to 385 active listings, with properties averaging 33 days on market.

    • 🤝 Buyer Position: With steady inventory and no-rush sales velocity, standard detached homes are closing a median of $14,000 to $20,000 below original list price.

    🎯 Key Takeaways for Buyers, Sellers & Homeowners

    1. ⏰ Audit Your Rate Hold Expirations: If you hold a 120-day rate hold below 4.00%, do not let it slip! Re-qualifying later this autumn could mean paying 10 to 25 bps more.

    2. 🛡️ Keep Your Conditional Protections: Market conditions remain balanced! You do not need to waive financing, appraisal, or home inspection clauses when making an offer.

    👇 Help keep our community informed—hit Share to pass this update along to your neighbours. 🏫✨

    Questions about anything REAL ESTATE?? Call me for a consultation to help you get to the path of YOUR success….

    📞 705-927-6236

    👤 Brad Sinclair | Realtor® Re/Max Professionals North

    📍 Might as well have the BEST to accomplish your goals.


🍁 Kawartha & Highlands Local Update: Community News, Sports & Events


Welcome back, neighbours! Here is your latest roundup of what’s happening across Peterborough, the Kawarthas, and surrounding communities.

🏛️ Local & Regional News

  • 🗳️ Peterborough Municipal Election & Online Voting:

    Online voting opens October 5, 2026, at 10 a.m. Eligible voters include residents, property owners, post-secondary students, and unhoused individuals. Across 5 wards, 35 certified candidates (including 7 running for mayor) are competing for 11 council seats.

    • Advance In-Person Voting: October 14 at Healthy Planet Arena

    • Accessible Voting: October 19–23 at City Hall

    • Election Day: October 26

  • 🐱 Operation Catnip Needs Urgent Space:

    Over the past 15 years, this volunteer-run rescue has spayed, neutered, and vaccinated more than 2,600 feral cats. Due to losing their donated space on October 15, they urgently need a temperature-controlled space (e.g., heated garage, basement, or shed with water) to temporarily house 5–6 cats recovering from surgery. Volunteers handle all feeding, care, and cleaning!

  • 🌲 Kawartha Land Trust (KLT) Hammer Family Nature Preserve:

    KLT hosted an open house for its 1,400-acre preserve in Lakehurst. An Expression of Interest (EOI) is open until January 29, 2027, seeking partners to rehabilitate a 3,400 sq. ft. log cabin, a historic 15-bedroom lodge, and a caretaker's cabin. Plus, three new public trails are coming, with the first 2-km trail having a soft opening this fall off Elim Lodge Road!

  • 🌍 David Suzuki Critiques Federal Climate Policy:

    Environmentalist David Suzuki voiced frustration over Prime Minister Mark Carney’s federal climate direction, stating economic interests are overriding climate needs. Suzuki criticized reversals on carbon tax, EV mandates, and emission caps, calling instead for a national climate emergency declaration.

🏒 Local & Regional Sports

  • 🏒 Peterborough Petes Fall to Frontenacs:

    The Petes dropped a 5–3 decision to the Kingston Frontenacs, bringing their record to 2–5. Newly acquired goaltender Matthew Koprowski made his debut. Despite a strong 3rd-period surge (outshooting Kingston 22–6) with goals from Masen Minsky (his 1st OHL goal!), Cooper Dennis, and Leon Kolarik, the comeback fell short.

  • 🏓 Buckhorn Pickleball Tournament Success:

    The 3rd Annual Glenna McConnell Memorial Pickleball Tournament brought together 56 players at the Buckhorn sports pad, raising $1,600 for the Buckhorn Public School breakfast program and $6,200 for Community Care Buckhorn!

🗓️ Community Notices & Local Events

  • 🎟️ Peterborough Humane Society 50/50 & Travel Raffle:

    Tickets are live! Early bird draws take place October 9 ($1,500) and October 23 ($2,000), with the grand prize draw (including a $5,000 travel voucher) on November 6.

  • 📸 Pet Halloween Photo Shoot:

    Head to Ren’s Pets on Rye Street on October 17 (9:45 a.m. – 5:15 p.m.) for 15-minute pet Halloween portraits ($25). All proceeds benefit the Peterborough Humane Society!

  • 🚶 Kilometres for Care Fundraiser:

    Join Community Care Peterborough at Nicholls Oval on Wednesday, October 7 (10 a.m. – noon) for fitness classes and walking challenges supporting local senior and disability programs.

  • 🎵 Greenwood United Church Concert:

    Enjoy "Songs from Shining Waters" on Saturday, October 17 at 2 p.m. (737 Donwood Drive). Admission is $15 at the door, supporting Brock Mission, Cameron House, Camp Kawartha, and Bedford House.

  • 🧁 Empress Gardens Fall Bake Sale:

    Visit Empress Gardens (131 Charlotte St.) on Thursday, October 8 from 11 a.m. to 2 p.m. for a Thanksgiving bake sale in support of Kawartha Food Share!

🌎 National & International Briefs

  • 🗳️ Quebec Election Day: Voters head to the polls today in a pivotal provincial election, with PQ leader Paul St-Pierre Plamondon leading in polls amid key debates on trade and federalism.

  • ✈️️ Search for Missing Air Ambulance: Authorities continue searching off Nantucket after locating debris from a Canadian air ambulance jet carrying six people.

  • 🎸 Passing of Sass Jordan: Juno Award-winning Canadian rock vocalist and former Canadian Idol judge Sass Jordan has passed away at age 63.

  • 🕊️ Nobel Peace Prize Speculation: Anticipation grows ahead of Friday's announcement, with the ISS, Sudan emergency rescue groups, and international courts among top contenders.

  • 🇺🇦 German Aid to Ukraine: Chancellor Friedrich Merz visited Kyiv to announce a $2-billion support package, including air defence systems and counter-drone production.

👇Help keep our community informed—hit Share to pass this update along to your neighbours. 🏫✨

Questions about anything REAL ESTATE?? Call me for a consultation to help you get to the path of YOUR success….

📞 705-927-6236 👤 Brad Sinclair | Realtor® Re/Max Professionals North 📍 Might as well have the BEST to accomplish your goals.

Families love the Kawarthas/Highlands. Let’s find your place in it.



🌧️ A Rainy Sunday, Small Wins, and Protecting What Matters Most 🏡


Sunday mornings in cottage country have a special rhythm. The rain was coming down steadily, perfect weather for taking a breath, sipping a hot cup of coffee ☕, and reviewing the week ahead.

Even on a complete rest day, the work of serving clients and keeping operations smooth never fully stops. Between watching the Buffalo Bills game 🏈 and enjoying a quiet afternoon, I got to work turning over my driveway. The rain actually made conditions ideal—no dust to kick up, just fresh, freshly-dragged gravel that instantly made the property look sharper 🚜✨.

Later in the day, I tackled a few hands-on maintenance tasks in the shop 🛠️. I fixed the pull cord line on the leaf blower and rebuilt the fuel pump for Lucas's snowmobile 🛷. There’s a quiet satisfaction in taking mechanical parts apart, fixing what’s broken, and making sure everything runs reliably when you need it most.

That same attention to detail carried over into real estate. An offer came through for a lakefront property, so I immediately summarized the terms and presented it to my sellers. Meanwhile, another agent reached out needing fast access for a showing. Even with zero advance notice on a Sunday afternoon, I got them into the property smoothly and kept the process moving forward seamlessly 🔑.

Buying or selling property in the Kawarthas and Highlands comes with real complexities. Whether it's navigating complex offers, coordinating unexpected showing requests, or dealing with rural property details like septic systems, wells, and dock access, one wrong step can cost you thousands of dollars, endless stress, or even a failed transaction.

You deserve a seamless experience and total peace of mind when making major real estate decisions. My plan is simple: I leverage over two decades of local boots-on-the-ground knowledge to guide you through every hurdle, protect your investment, and ensure your real estate transaction is smooth and successful.

When you have an experienced local professional in your corner, you avoid costly surprises, missteps on contracts, and unnecessary delays. Instead, you get to enjoy the lifestyle you’ve worked hard for—relaxing at the lake, making memories with your family, and knowing your property goals are completely taken care of 🌄🏡.

Ready to take the next step in your real estate journey?

Brad Sinclair, your Kawartha and Highlands Realtor®. I'll come to you to solve your real estate needs. DM or text me to get started. Questions? Let’s chat. 📞 705-927-6236 👤 Brad Sinclair | Re/Max Professionals North 📍 Your Inside Source to the Highlands/Kawartha Real Estate Market Families love the Kawarthas. Let’s find your place in it. Check me out!



Sunday, October 4, 2026

A Lake Launch, a Loose Clamp, and the Simple Fixes That Keep Life Moving Forward 🚤🔧


 It is amazing how a small hiccup can throw off an entire weekend if you let it! Yesterday started like any busy day—loading up the truck 🚚, handling back-and-forth travel 🚗, and squeezing in a trip down to Lakefield for drone photos 📸. Between running errands and grabbing fuel in Curve Lake ⛽, my schedule was packed. But right in the middle of it all, a local property owner reached out with a real headache: their water pump on Loucks Lake had lost its prime, leaving a house full of weekend guests completely without water 💧!

Instead of letting them stress out or cancel their plans, I packed my boat into the water 🚤, headed straight across Loucks Lake, and got to work. When you're facing a problem like that, it feels overwhelming—you start worrying about expensive repairs, blown-out weekend plans, or finding a technician on short notice.


The truth is, most problems feel huge until you get the right eyes on them. When I arrived, it didn't take long to figure out what was going on. It wasn't a broken pump or a massive system failure at all; it was simply a loose clamp letting air into the line 🔧. Five minutes, a quick turn of a tool, and the water was flowing perfectly again! They were able to get right back to enjoying their weekend, and I made it home in time to relax, grab a slice of pizza 🍕, and catch the Leafs game 🏒.


Whether you are dealing with a quick fix at the cottage or trying to navigate buying or selling a home, the stress usually comes from not knowing what’s around the corner. Unexpected delays, confusing steps, or making a costly mistake can turn what should be an exciting milestone into a total headache.


You don’t have to figure it all out on your own or risk making a decision that sets you back. My goal is simple: to protect your time, eliminate the stress, and help you make smart, confident moves for your family’s future. When you have an experienced guide in your corner, you get to skip the headaches and focus on enjoying the lifestyle you’ve worked so hard for. 🏆


Ready to make your next move smooth and stress-free? Let’s chat about your goals! Contact me, your local Realtor® with over 20 years of hands-on experience, and let’s keep you moving in the right direction.


Contact Info:

Brad Sinclair, your Kawartha and Highlands Realtor ®. I'll come to you to solve your real estate needs. DM or text me to get started. Questions? Let’s chat. 📞 705-927-6236

👤 Brad Sinclair | Re/Max Professionals North

📍 Your Inside Source to the Highlands/Kawartha Real Estate Market

Families love the Kawarthas. Let’s find your place in it.




Saturday, October 3, 2026

🌲 A Road Trip to Ottawa, Big Lessons, and Navigating the Real Estate Journey! 🚗✨





What a day filled with quiet morning moments, essential community conversations, and an exciting family road trip! 🌅🍁

The day started off on a peaceful note with a morning walk alongside Susan and our dog, Jax 🐕🍂. There is nothing quite like taking in the crisp air before diving into a busy schedule! Over breakfast (a bagel with peanut butter—a classic choice 🥯🥜), I reflected on an important lesson: recognizing where my energy goes throughout the day. Knowing when to recharge is essential when you're dedicated to serving others!

Throughout the day, I focused on taking meaningful action to support our local community 🏡. I spent time answering emails and had a great interaction with a local resident regarding short-term rental regulations and the accommodation tax 💬. Helping neighbours navigate complex municipal rules and market trends is something I take deep pride in!

To top off the day, I embarked on a fun mini-adventure! I packed up the vehicle and drove my daughter, Faith, all the way to Ottawa for a concert 🎶🚘. Being able to show up for family while serving the community makes every kilometre driven well worth it!

Real estate decisions often bring up big questions and hidden complexities, whether you are buying your dream family cottage or navigating a tricky property transaction 🤔. Without the right local expertise, it's easy to feel stuck, overwhelmed by paperwork, or worried about making a costly misstep 📝❌.

You deserve a smooth, confident experience. My goal is simple: to protect your interests, guide you with full transparency, and ensure your family finds the perfect place to build lasting memories in the Kawarthas and Highlands 🏞️🏠.

When you have experienced local guidance in your corner, you can step forward with complete peace of mind, knowing every detail is handled seamlessly ✨.

Ready to take the next step in your real estate journey?

Contact me, your local Realtor® with over 20 years of hands-on experience and deep regional knowledge! Let’s sit down, discuss your goals, and ensure your real estate move is a total success 🗝️.

Contact Info:

Brad Sinclair, your Kawartha and Highlands Realtor®. I'll come to you to solve your real estate needs. DM or text me to get started. Questions? Let’s chat. 📞 705-927-6236 👤 Brad Sinclair | Re/Max Professionals North 📍 Your Inside Source to the Highlands/Kawartha Real Estate Market. Families love the Kawarthas. Let’s find your place in it. Check me out!



Friday, October 2, 2026

📊 Daily Mortgage & Housing Market Briefing: October 2, 2026 🏠

📊  🏡 Keeping an eye on the market is the best way to make smart real estate decisions! Whether you are shopping for a new home, planning a Q4 mortgage renewal, or just keeping tabs on property values across Peterborough and the Kawarthas, here is what you need to know heading into the weekend. 👇


📉 Bank of Canada & Bond Yields

  • 5-Year Bond Yield Moderation (~3.60%–3.65%): Government of Canada 5-year benchmark bond yields dipped slightly to ~3.60% (down ~9–10 bps from the mid-week peak of 3.70%). While yields pulled back slightly, they remain well above late-August floors (~3.25%), keeping wholesale fixed funding costs elevated for lenders.

  • Policy Rate Outlook: The Bank of Canada maintains its key policy rate at 2.25% (Prime at 4.45%). Institutional money markets are watching closely ahead of the October 28 announcement. Lingering trade friction and energy prices continue to anchor market expectations against near-term rate cuts for the remainder of 2026.

💳 Major Lender Rate Sheet Summary

Term / OptionHigh-Ratio (Insured)Conventional (Uninsured)Market Trend
3-Year Fixed3.99% – 4.14%4.39% – 4.64%Sub-3.90% promotional offers remain fully pulled across major sheets.
5-Year Fixed4.19% – 4.29%4.49% – 4.74%Flat demand; yields hovering near 3.60%+ prevent margin buydowns.
5-Year Variable3.30% – 3.35% (Prime - 1.10% to 1.15%)3.65% – 3.85%Holds steady; continues to offer the lowest initial rate entry point.

⚠️ Broker Channel Alert: Monolines and broker desks are maintaining tight margin discipline. While the minor pullback in yields to 3.60% offers brief breathing room, rate-buydown budgets remain tight. If you have a rate hold locked in below 4.00%, make sure it doesn't expire unutilized!

🌲 Peterborough & Kawarthas Regional Pulse

  • Price Benchmarks: In-city Peterborough median sold prices hold steady between $545,750 – $560,000 (average $573,919). Peterborough County overall (including rural residential and waterfront inventory) averages $708,800.

  • Inventory & Absorption: Active listings across the region sit balanced at ~329 to 385 active listings, with average time on market holding steady at 33 days.

  • Buyer Footing: Slower regional sales velocity continues to favour non-rushed buyers over aggressive multi-offer scenarios. Standard detached properties are closing a median $14,000 to $20,000 below original list price, allowing buyers to keep essential conditional protections in place.

💡 Key Advice for Buyers & Sellers

  1. Audit Your Pre-Approval Expiry: If you are shopping this weekend or facing a Q4 renewal, check the exact expiration date on your 120-day rate hold. Preserving pre-approvals locked in under 4.00% is critical—re-qualifying under today's rate sheets means paying 10 to 20 bps higher!

  2. Protect Yourself with Conditions: With average market time exceeding a month (~33 days), local sellers are accepting conditional offers. You do not need to waive financing, appraisal, or home inspection clauses to secure a property in Peterborough or the Kawarthas.

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Questions about anything REAL ESTATE?? Call me for a consultation to help you get to the path of YOUR success….

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🚨 Cavan Monaghan Council Breakdown: Major Infrastructure, Traffic Laws & Big OPP Policing News! 🏡

Hey everyone!  Brad Sinclair  here with your essential township governance update . Council meeting on  Monday, October 5, 2026 , for a heav...