CURRENT MORTGAGE RATES NOW IN!

Here is the Centum Mortgage Rates
at end of February, 2025
The 5-yr fixed high ratio 3.99% – 5.25%
The 5-yr variable high ratio: 4.35% – 5.65%
The 5-year fixed uninsurable: 4.54% – 6.89%
The Prime Rate is 5.20%
– Next Announcement March 12
NOTE: Rates shown are for “A” rated deals only and don’t apply for BFS, rentals, vacation homes, second home purchases. Rates may vary from Province to Province and are subject to change without notice.
Stress Test Qualifying Rate: Mortgage lenders use the greater of the qualifying rate (5.25%) or the contract rate plus 2 points.
Rates are Based On Approved Credit
May vary between geographic areas
Buying or Selling in 2025?
Reach out and let’s talk 905-329-2854.
Housing Market Trend in Niagara March 2025

Housing Market Trend in Niagara |
The Listing Absorption Rate and the Market
The number of listings on the market in the Niagara Region continues to rise. As of this writing, February 24, 2025, there are 2,857 MLS listings on the market, well above the norm.
A good way to gauge how the market is doing is to calculate the number of months of listing inventory. This is calculated in the following way:
- Current number of active listings
- Number of sales over a period of time, say 6 months or 3 months
- The average number of sales per month (divide the number of sales for the period by 6 and 3 months
- Finally, divide the number of listings by the average number of sales per month.
This indicates the market trend. So here are the latest 6-month numbers compared to 3 months.
Months of Inventory in the Niagara Region | ||
Over | Last 6 Months | Last 3 months |
No. Active Listings on Feb/24/25 | 2857 | 2857 |
Months of Sales | 6 Mth | 3 Mth |
No. of Sales | 2884 | 1183 |
Avg. No. Sales Per Month | 480.7 | 394.3 |
Months of Inventory | 5.9 | 7.2 |
As you can see, the months of inventory, known as the absorption rate, have increased from 5.9 months over 6 months to 7.2 months over 3 months. It tells us how many months it would take for the market to absorb or sell the existing inventory, without any more listings coming to market. Yet the number of listings continues to grow.
How to Interpret the Chart Above
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So at 7.2 months, Niagara is definitely in a buyer’s market.
The absorption rate analysis provides important information to help sellers make better decisions about their home’s position in the marketplace.
Reach out for guidance – send an SMS to 905 329-2854 now!
👩💼✨ Celebrating Women, Community & Great Food! 🍽️💜

This #FoodieFriday was extra special as I attended an International Women’s Day luncheon at Cherry Hill Country Club! A beautiful afternoon filled with inspiring conversations, delicious food, and the company of some truly amazing women.
A special shoutout to @WildDaisiesConsignment, @FortErieMusic, @Kelly.Jones.Insurance, @Passages_EndOfLifeServices, @TiffanyStehling—it was wonderful sharing this day with you!
To all the incredible women reading this, and especially those raising little girls to be strong, fearless, and kind—this one’s for you! 💪💜 Keep lifting each other up!
📢 Follow for more local events, amazing eats, and community connections!
#InternationalWomensDay #WomenSupportingWomen #CherryHillCountryClub #WomenInBusiness #FoodieFriday #FortErieEvents #EmpoweredWomen #FortErieNetworking #NiagaraCommunity #SupportLocal #NiagaraRegion #WomensDayCelebration #WomenEntrepreneurs #BossLadies #CelebrateWomen #LocalConnections
🍹 Blackberry Blueberry Coconut Blast – My Thirsty Thursday Cocktail Improv!

Thirsty Thursday Twist!
The plan: Raspberry Coconut Blast.
The reality: No raspberries, but a TON of blackberries & blueberries!
So I improvised… and let me tell you, this Blackberry Blueberry Coconut Blast might just be BETTER than the original! Smooth, creamy, and packed with berry goodness—this one’s a keeper.
What’s your go-to cocktail improv moment? Drop it in the comments!
Follow for more creative sips & fun twists every Thursday!
#ThirstyThursday #BerryCocktail #CoconutBlast #BlueberryDrink #BlackberryCocktail #CreativeCocktails #CocktailHour #MixologyMagic #FortErieEats #NiagaraFoodie #CocktailRecipes #TropicalVibes #DrinkUp #WeekendVibes #BartenderLife #RealEstateAndCocktails
📉 THE MARKET DECIDES—NOT YOU, NOT ME! 📉

Here’s the truth… Neither the seller nor the agent controls the market. 😲 The market is shaped by:
📊 The economy – Job growth, inflation, and overall financial conditions
💰 Interest rates – Higher rates can slow buyer demand, while lower rates heat things up
🏡 Competition – More listings mean more choices for buyers, affecting your home’s value
If your property isn’t moving, it’s not personal—it’s the market. The key? Understanding where your home stands and making smart, strategic decisions.
Want expert insights on how to position your home right? DM or text 📲 905-329-2854 and let’s chat!
#RealEstateWisdom #MarketTrends #FortErieRealEstate #HousingMarket #NiagaraHomes #SellingYourHome #RealEstateFacts #OntarioRealEstate #TopRealtor #HomeSellingTips #InvestInRealEstate #FortErieHomes #MarketUpdate #RealtorLife #RealEstateAdvice
📢 Niagara Market Update – March 5th, 2025 📢

📢 Niagara Market Update – March 5th, 2025 📢
The latest numbers are in for the Niagara Region real estate market! 📊🏡 Here’s what you need to know:
🔹 Active Listings: 2,916 properties available across the region
🔹 New Listings (7 Days): 359 fresh opportunities for buyers
🔹 Homes Sold (7 Days): 112 properties found new owners
🔹 Homes Sold (30 Days): 420 sales in the past month
🔹 Average Days on Market: 54 days
🔹 Average Sale Price: 💰 $652,390
📍 Key Market Highlights:
✅ Fort Erie: 45 sales in the last 30 days, with an average price of $598,150
✅ Niagara Falls: Leading with 72 homes sold in the last month!
✅ Welland & St. Catharines: Both showing strong movement with 47 & 135 sales, respectively.
✅ Fonthill/Pelham: Holding the highest price point at $1,021,250
With new listings rising and homes selling at a steady pace, buyers and sellers need to stay informed and act strategically in this evolving market.
📩 Thinking about buying or selling? Let’s talk about what these numbers mean for you! Send me a DM or text 905-329-2854 to get a personalized market breakdown.
#NiagaraMarketUpdate #FortErieRealEstate #NiagaraRegionHomes #NiagaraFallsRealEstate #WellandHomes #StCatharinesRealEstate #NiagaraHomesForSale #MarketTrends #BuySellInvest #RealEstateStats #FortErieRealtor #NiagaraLiving #NiagaraLuxuryHomes #SellingNiagara #InvestmentProperties
Fort Erie Market Overview

Fort Erie Market Overview
📢 FORT ERIE REAL ESTATE IN 30 SECONDS!
🏡 356 active listings
💰 Median listing price: $653,500
⏳ Homes selling in 40 days (on average!)
The market is MOVING and buyers are still active! 🚀 If you’re thinking about selling, this is NOT the time to sit back.
Want to know what your home is worth? DM or text 📲 905-329-2854 for a personalized home evaluation!
We go in-depth on this topic! 🎥 Hit our YouTube channel now to watch the full market update!
#FortErieMarket #RealEstateUpdate #HomesForSale #FortErieLiving #NiagaraRegionHomes #BuyOrSell #OntarioHousing #Realtor #SellingAHouse #HousingMarketUpdate #FirstTimeBuyer #LuxuryHomes #CanadianRealEstate #FortErieRealtor #InvestInRealEstate
🔥 I Made a BIG Mistake My First Few Years in Real Estate! 🚨

🔥 I Made a BIG Mistake My First Few Years in Real Estate! 🚨
I thought I had to do it all—📊 my own accounting, 📝 my own admin, 🎨 my own marketing. And you know what? I was overwhelmed & stretched too thin! 😵💫
The biggest lesson I’ve learned? Success isn’t about doing everything—it’s about surrounding yourself with the right people. 💡 Now, thanks to the Scarlett Real Estate Group, I can focus on what I do best—helping people buy & sell homes! 🏡✨
💬 Thinking about buying or selling? Let our team help YOU! Send an SMS to 905-289-6348 or DM me today!
#RealEstateLife #TeamworkMakesTheDreamWork #FortErieRealEstate #ScarlettRealEstateGroup #HomeBuyingTips #HomeSellingMadeEasy #WorkSmarterNotHarder #RealEstateJourney #LessonsLearned #YourRealtorForLife #RealEstateInvesting #HouseHunting #MoveIn2024 #TopRealtor #DreamHome
🚨 This Home Has EVERYTHING – But It Won’t Last! 🏡🔥

🚨 This Home Has EVERYTHING – But It Won’t Last! 🏡🔥
📍 515 Ferndale Ave, Fort Erie
🛏 4 Bedrooms | 🛁 1 Bathroom | 🌳 Spacious Lot
🏡 🚪 OPEN HOUSE – Saturday, Feb 15 | 12-2 PM! 🏡✨
💥 Why You Need to See This Home Before It’s Gone:
✅ Flooded with Natural Light – Huge windows brighten every space ☀️
✅ Chef’s Dream Kitchen – Stainless steel appliances, air fryer stove, center island w/ extra sink & built-in bench seating 🍽️
✅ Cozy & Inviting Living Room – Gas fireplace + built-in shelving = ultimate comfort 🔥
✅ Private Den – Sliding doors make it the perfect office or extra entertaining space 🚪
✅ Spacious Bedrooms – Ceiling fans, large closets & tons of natural light 🛏️
✅ Bonus Upstairs Sitting Area – Perfect for a reading nook or storage! 📚
✅ Outdoor Paradise – Covered front porch, back deck & massive backyard 🌳☕
✅ A Gardener’s Dream – Multiple sheds, garden space & storage for all your tools! 🌿🏡
✅ Firepit Fun – Perfect for cozy nights roasting marshmallows! 🔥
📌 Located near Friendship Trail, top schools, shopping & more!
📩 Want a private tour? Send an SMS to 905-289-6348 or SHOW UP to the Open House on Feb 15 from 12-2 PM!
#OpenHouse #FortErieHomes #DreamHome #MoveInReady #RealEstateForSale #HomeSweetHome #BackyardGoals #CrescentParkLiving #HouseHunting #NiagaraRealEstate #ForSale #FortErieLiving #HomeGoals #CozyVibes #GardenerLife #RealEstateInvesting
🌟 Grateful & Honored! 🌟

🌟 Grateful & Honored! 🌟
I’m beyond grateful to have been chosen as a speaker for Century 21 Heritage House! 🎤🏡 It’s always a privilege to share insights, experiences, and strategies with fellow professionals in the industry.
A huge thank you to my team, colleagues, and clients who continue to inspire and support me every day. Looking forward to an amazing event and meaningful conversations!
#Century21HeritageHouse #Grateful #RealEstateSpeaker #IndustryInsights #FortErieRealEstate #ProfessionalGrowth #RealtorLife #SharingKnowledge #Leadership #C21