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🏦 Mortgage Rates Show Signs of Relief
Good news for borrowers — mortgage rates edged lower by the end of October 2025.
Best advertised rates:
- 3-Year Fixed: 3.89% insured | 3.94% uninsured
- 5-Year Fixed: 3.69% insured | 3.99% uninsured
- 5-Year Variable: 3.45% insured | 3.90% uninsured
The Bank of Canada policy rate remains at 2.25%, with a prime rate of 4.45%.
Lower rates may encourage new activity, but remember —
affordability still depends on qualification rules and personal finances.
Ever step away from dinner for just a minute too long?
Ever step away from dinner for just a minute too long
and come back to find it burnt? 🔥
I’ve done it — answering one quick email,
taking one more call…
and suddenly, what could’ve been perfect is overdone.
🏡 The same thing happens in real estate.
Sellers wait too long to adjust,
and while they’re deciding, buyers move on.
By the time the price changes,
the market’s already shifted —
and now you’re chasing it downhill.
In both cooking and real estate,
timing is everything.
When your listing is fresh and priced right,
you stay in control.
📲 Thinking of selling before the holidays?
Let’s get your timing — and your strategy — just right.
#FortErieRealEstate #NiagaraHomes #ScarlettRealEstateGroup #SellerTips #RealEstateAdvice #BarbaraScarlettBroker #NiagaraRealtor #HomeSellingStrategy #NovemberMarket #FortErieHomes
It’s Thirsty Thursday 🍸
It’s Thirsty Thursday 🍸
And this week’s cocktail is one you’ll want to save… the Hillcrest Martini.
A little gin, a splash of St-Germain, a squeeze of lemon 🍋 and just a sploosh of Sauvignon Blanc.
It’s light, refreshing — and oddly tastes like a sour gummy bear (yes, really).
Perfect for kicking off your weekend in style ✨
Cheers from Fort Erie 🥂
Haveyou tried a Hillcrest Martini?
Share your experience in the comments.
#ThirstyThursday #HillcrestMartini #FortErieLifestyle #NiagaraLiving #CocktailHour #WeekendVibes #RealEstateAndRelaxation #BarbaraScarlett #ScarlettRealEstateGroup #FortErieRealEstate #NiagaraRegion #MixologyMoments #RealEstateLife #HomeAndLifestyle #CheersNiagara
The Niagara Market by the Numbers
As of October 2025, Niagara continues to shift toward a buyer’s market.
Inventory is up sharply, prices are trending lower, and overall sales volume remains modest.
Highlights:
- Inventory reached multi-decade highs in fall 2025.
- The MLS® Home Price Index fell nearly 7% year-over-year.
- Sales dipped again in September—500 units versus 532 in August.
While this gives buyers more choice, it also challenges sellers to price strategically.
Market knowledge and timing are key to success on both sides of the table.
The following chart displays the MLS number of sales for 12 months to October 31,, 2025 vs. 12 months prior. The chart also shows the HPI prices to help uncover the trend from one year to the next.
The above stats are based in whole or in part on MLS® System data owned by the Niagara Association of REALTORS® and CREA
🎟️ GIVEAWAY ALERT! ✨
🎟️ GIVEAWAY ALERT! ✨
We’re giving away 4 tickets for this Saturday’s Meteor event — and entering couldn’t be easier! 🌠 @fe.meteors
Here’s how to enter:
1️⃣ Make sure you’re following @barbara.scarlett.broker
2️⃣ Like this post ❤️
3️⃣ Comment “Meteors” below 🌙
That’s it! You’ll be entered into the raffle,
and the winner will be announced this Friday!
Perfect for a night out under the stars 🌌
— don’t miss your chance!
Tag a friend you’d bring along 🌠👇
#FortErieLife #NiagaraRegion #Giveaway #ContestAlert #MeteorEvent #FortErieEvents #BarbaraScarlettTeam #CommunityConnection #WeekendPlans #LocalEventsNiagara #NiagaraLiving #LakeErieLife #SimpleJoys #LifeInBalance #JoyInTheJourney
“I Think It’s Worth It,” But No Sale Yet?
When a property isn’t selling, the issue often isn’t just price—it’s perspective.
Saying “I think it’s worth it” reflects emotion, not market evidence.
Here’s the truth:
Value is determined by comparable sales, buyer demand, and time on market.
If buyers aren’t showing up or making offers, the market is speaking clearly:
at that price, they don’t see enough value.
To stay competitive:
- Price using current sales data, not wishful thinking.
- Watch traffic and feedback during the first 2–3 weeks.
- Adjust quickly if results are weak—today’s market changes fast.
Buyers don’t pay for what you spent or need—they pay for what your home is worth now.
The only real measure of value is what a ready, willing, and able buyer will pay today.
Halloween 2025 🎃 — what a night!
Halloween 2025 🎃 — what a night!
Friday evening was full of energy —
trick-or-treaters everywhere,
friends dropping by,
and plenty of laughter (and candy) to go around. 🍬
Alex, I, and a few close friends spent the night
soaking up the fun,
handing out treats,
and enjoying the buzz of Halloween in our neighbourhood. 👻
It’s always such a great reminder
of how connected our community feels —
kids in costumes, parents chatting,
and everyone just enjoying the moment.
Now that the pumpkins are packed away
and the candy bowls are nearly empty…
we’re already looking forward to next year. 🧡
How did you celebrate Halloween this weekend?
👇 Share your favourite costume or moment!
#HalloweenRecap #FortErieLife #BarbaraScarlettTeam #NiagaraRegion #CommunityConnection #SimpleJoys #LifeInBalance #JoyInTheJourney #FortErieEvents #SpookySeason #BalancedLiving #NeighbourhoodVibes #LocalLiving #RealEstateLifestyle #TeamScarlett
❓Looking for an affordable bungalow in a quiet Fort Erie neighbourhood? 🏡
❓Looking for an affordable bungalow in a quiet Fort Erie neighbourhood? 🏡
This solid 3-bedroom brick home is tucked away on a premium pie-shaped lot at the end of a well-established cul-de-sac — offering privacy, comfort, and unbeatable value. Perfect for first-time buyers, downsizers, or families wanting move-in-ready living close to everything.
✨ Key Features:
- 3 + 1 bedrooms | 1 bathroom
- Premium pie-shaped lot with mature landscaping 🌳
- Fully fenced backyard (new 2022) – expansive and private
- One block from a great neighbourhood school 🏫
- Eat-in kitchen with window overlooking the yard
- Bright living room with picture window + hardwood floors
- Finished lower level with rec room + large 4th bedroom
- Sunroom for added living or hobby space
- Private driveway with parking for 4 cars
- Updated mechanicals: furnace, A/C, hot water heater, and windows 🔧
- Dry basement with sump pump and 100-amp breakers
📍 18 Court Street, Fort Erie
💰 $450,000
📞 Barbara Scarlett, Broker | Century 21 Heritage House Ltd.
905-329-2854
#FortErieRealEstate #ForSale #BungalowLiving #NiagaraHomes #FortErieHomes #RealEstateNiagara #BarbaraScarlettBroker #Century21 #HomeSweetHome #AffordableHomes #C21Homes #OntarioRealEstate #MoveInReady #FamilyHome #FortErieLiving 🏠✨
Foodie Friday at @blackburnbeercompany . 🍸✨
Foodie Friday at @blackburnbeercompany . 🍸✨
If you haven’t been then add it to your list. This brewery has a really cool vibe with soaring ceilings and a wide open space
Their menu has lots to offer for a pub style experience. Every item has a little bit of a twist to it.
Alex and I came with friends a few weeks back. Alex and I shared the nachos with all the fixings. Their nachos are actually done with deep-fried tortillas instead of corn chips. They were really tasty.
We’ve been a few times now and I highly recommend it. It’s just one of those off the beaten path type locations, another one of of Niagara’s hidden gems.
Have you been to Blackburn yet?
👇 Tell me your go-to drink when you go out!
#FoodieFriday #BlackburnBar #FortErieLife #NiagaraRegion #NiagaraEats #SupportLocalNiagara #FoodieNiagara #FortErieEats #BalancedLiving #JoyInTheJourney #SimpleJoys #WeekendVibes #RealEstateLifestyle #LakeErieLife #LocalRestaurantsNiagara
🙏 Grateful for our clients, partners, and team.
🙏 Grateful for our clients, partners, and team. We celebrated two buyer closings this week — thank you for your trust and support. 🤝💛
New Listing 🆕
18 Court St, Fort Erie – $450,000
3+1-bedroom brick home sits on a pie-shaped lot at the end of a cul-de-sac. Fenced yard, updated mechanicals, sunroom, and a finished lower level for extra space.
Price Improvements ⬇️
871 Burwell St – $625,000 | 2019 raised bungalow, 3 bed/2 bath, 1.5-car garage in Lakeshore.
32 Sunrise Crt – $849,900 | 1,600 sq.ft. Ridgeway bungalow with sunroom, dbl garage, Algonquin Club access.
427 Williams Cres – $550,000 | Peace Bridge Village bungaloft: main-floor suite + loft, attached garage.
662 Lakeshore Rd W – $629,900 | 2 bed + office near Lake Erie; fenced yard; porch with water views.
690 Bridge St – $375,000 | Semi-rural 1-bed on an oversized lot; room to expand.
Thank you for continuing to choose us. If you’re planning a move, we’re here to help. 🏡
#FortErieRealEstate #NiagaraRealEstate #NewListing #PriceImprovement #ThankYou #Grateful #BarbaraScarlettBroker #Century21 #C21HeritageHouse #Ridgeway #CrystalBeach #MarketUpdate #HouseHunting #OntarioRealEstate
