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As 2022 comes to quite an eventful close, The Sue Heddle Homes team looks back at some of the most-read blogs that inspired our readers the most. 


As your trusted source of reliable and relevant real estate information, we thank you for following and please stay tuned into all that is new and inspiring in 2023. Happy New Year!


Top Blog Picks of 2022:


1. Buyer’s Market: Making Homeownership A Reality In Today’s Market


2. What You Need to Know About the New First Home Savings Account


3. How to Manage Current Interest Rates To Buy Your Dream Home


4. Future Planning: What's In Store for 2023


5. Three Ways To Improve Your Home


6. 5 Design Trends Coming In Vintage For 2023


7. How To Sell When You Have Pets


8. 5 Ways Sue Heddle Homes Can Help You Sell Your Home


For more in-the-know advice, take a look at the complete Sue Heddle Homes blog library, which includes more helpful tips and inspiration for homeowners, sellers, and buyers.


Working with an Oakville Realtor

Sue Heddle Homes takes great pride in being Scott McGillivray’s Trusted Agent for Oakville. If you are thinking of buying or selling a home in the Oakville area, we can help. With proven marketing strategies,  free home staging for all listing clients, and in-depth local market knowledge, we are committed to making the real estate process as smooth as possible. To learn more about working together, please call 416-906-7998.


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5 Design Trends Coming In Vintage For 2023

What is the interior design crystal ball foretelling for 2023? The following vintage home design trends of not being on trend is sure to inspire a fresh new outlook for 2023!

The saying “What is old, is new again” has never been more true in making your home as unique as you are.

1. Organic Design Chic

The previous minimalist trend of completely white walls with black trimmed window frames is losing its appeal according to recent consensus from style experts. Try keeping the focus on the design style and era of your home by using trim, moldings, or details that connect to the home's architectural character. Using a bold colour accent choice and/or using a unique wallpaper as art will separate your style from every other house on your block.

2. Resplash The Backsplash

Updating a backsplash can be both a practical and economical method of updating any kitchen. Instead of the classic subway horizontal design, consider geometric and herringbone styles. This will create an instant refresh with more artistic flair, but still versatile, impressive, and easy to maintain as a traditional staggered stacked tile.

3. Personalization vs. Minimalization

The Marie Kondo rules of minimalism and decluttering is in for a transformation. While keeping spaces clean and decluttered is sticking, the focus has changed from “removing” to  “adding'' personalized elements that give you joy. Functional and purposeful items such as decorative rugs, grammas throw pillows and a family/friend picture wall of life experiences will add personality and showcase your unique home versus minimizing it. 

4. What is Old is New Again

New does not always mean better. In the current era of supply chain lags creating low supply, the push for repurposing furniture and home items is and will continue to be popular. In addition to reducing consumption and recycling, vintage items bring character and uniqueness to your personal space. Online sites like Facebook Market Place, local neighbourhood website pages, Etsy, and the local thrift store have made finding precious vintage and preloved pieces so much easier to find.

5. Warm Colours Are The New Neutrals

Goodbye to the many layers of grey and hello to rich and warm browns, blues, and greens to the expanding neutral colour palate. There is more and more of this expanded palate being applied to kitchen cabinets and walls. The emphasis is on adding warmth and colour to your home to add dimension and the aforementioned personality to your living space. 


Of course, you are in charge of what makes your space special. There is a multitude of approaches.  Include one, a few, or even all of these design elements without a complete re-do of your living space(s). 


The key, as Marie Kondo would say, is to incorporate “what brings you joy” into your design process and you will not go wrong.


Do You Want To Find A Home That Matches Your Style?

With almost 15 years of experience, Sue Heddle Homes has what it takes to help you navigate the real estate landscape. With proven marketing strategies,  free home staging for all listing clients, and in-depth local market knowledge, we are committed to making the real estate process as smooth as possible. To learn more about working together, please call 416-906-7998.

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As 2022 comes to a close, many Canadians are wondering what outlook for managing personal finances, mortgages, and tax planning is in store for 2023.



According to sources from the Desjardins Financial Group, the following considerations should be top of mind for homeowners and home buyers when planning for 2023.


Learn to Navigate A turbulent Market

2023 is expected to be turbulent due to dragging inflation and the correlating negative impact to buying power, declining investment value from continued market volatility, and higher borrowing costs due to higher interest rates. 

To manage this, it is recommended to review and establish your budget before any big decisions such as taking out or renewing a mortgage. Factor in much higher borrowing costs and consult a financial advisor to determine the best options for your budget, such as whether to choose a fixed or variable rate and the term of your loan. 


See the below table to illustrate the impact of higher borrowing costs on a mortgage:



Buying a Home 

The Federal Government has several programs available for first-time homebuyers to promote buying a home regardless of home selling prices and interest rates. 


TFSA and RRSP: Rules To Follow

A fantastic way to maximize tax deductions is to make additional RRSP contributions for 2022. Also, any contribution made in the first 60 days of 2023 can be applied to either 2022 or 2023. However, if planning to withdraw from an RRSP, it is advised to take it out by the end of 2022. There would be hefty penalties if you make a withdrawal and also large contributions to your TFSA in 2023. Lastly, the TFSA contribution limit, currently $6,000 per year, is expected to increase in 2023, giving more opportunities to maximize deductions.


Take Advantage Of Tax Credits For Families!

Tax legislation provided at both federal and provincial levels will provide multiple tax credit and deduction opportunities for families, child care, and caregivers. Check out The Government of Canada’s webpage and external pages for each province of the type of credits/deductions available. Please note: to claim deductions and credits on income tax returns filed in 2023, the situations and expenditures that qualify must have been carried out in 2022. 


With almost 15 years of experience, Sue Heddle Homes has what it takes to help you find your ideal home and location. From sharing key information about specific areas to knowing how to negotiate the best price, Sue is the only experienced realtor you need. If you’re thinking of starting your home search, give us a call at 416-906-7998, and let’s talk.
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