Warm Holiday Wishes from Our Family to Yours
Thank you all for making 2024 a great year!
As the holiday season fills Guelph with joy and cheer, we at Coldwell Banker Neumann
are taking a moment to reflect on the year that has passed. T his is a season of gratitude, and we are i ncredibly thankful for the trust and support of our clients and the dedication of our CBN family. Your faith in us inspires everything we do, and 2024 has been a year full of achievements thanks to you.

This year, we had the privilege of working with individuals and families in a variety of real estate journeys—helping first-time buyers realize their dreams, assisting families in finding homes suited to new stages of life, and supporting investors in securing properties that align with their long-term goals. Every story is unique, and we are honoured to play a role in these life-changing milestones.
Beyond real estate, we’ve embraced the spirit of community by supporting local events, partnering with charities, and giving back to causes close to our hearts. It’s part of our commitment to fostering meaningful connections and helping those in need.
As we look forward to 2025, our commitment remains steadfast: to provide unparalleled service, foster lasting relationships, and continue strengthening the bonds within our community.
To our valued agents, clients, and the wonderful people of Guelph, we wish you a season filled with joy, love, and meaningful connections. May the New Year bring you happiness, success, and new opportunities.
Happy Holidays!

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2026 Ontario Statutory Holidays: Key Dates to Know. This overview is here to help you stay ahead in 2026. Whether you’re organizing staff schedules, planning a vacation, or simply counting down to your next break, knowing when Ontario’s stat holidays fall can help you stay prepared and stress-free throughout the year.

The holiday season in Guelph begins with a cherished tradition: the Joy Home Tour, taking place this year on November 21–22, 2025. This annual event invites guests to explore a selection of beautifully decorated homes throughout the city, each thoughtfully styled to capture the spirit of the season.

Guelph Comes Together to Grant a Wish 💙 It was a night to remember at the Sleeman Centre. On October 24th, the Guelph Storm took the ice — and so did our community’s generosity. As proud sponsors of the game, Coldwell Banker Neumann Real Estate helped bring together local fans, businesses, and families for a cause that means so much more than hockey. From 50/50 draws to Leafs ticket giveaways and even 25% of sales donated by Our Sock Shoppe, every cheer in the arena echoed with purpose — all in support of the Guelph Wish Fund for Children. Turning Wishes Into Reality — Together For over 40 years, the Guelph Wish Fund for Children has been making dreams come true for local kids facing life-altering illnesses, serious medical challenges, or disabilities. Whether it’s a trip of a lifetime, a dream celebration, or essential medical equipment, each wish brings comfort, joy, and strength to children and their families when they need it most. That’s why this game mattered — because every dollar raised helps make those moments possible. Thanks to the incredible generosity of our community, we’re proud to share that this event raised $10,258.29 in total for the Guelph Wish Fund for Children — surpassing our $10,000 goal , funding the cost of one full wish, and then some! Contributions came from ticket sponsorships, 50/50 draws, Leafs ticket sales, and Our Sock Shoppe’s proceeds , each playing a part in reaching this milestone. For us at Coldwell Banker Neumann Real Estate, this partnership was about more than fundraising — it was about community, compassion, and connection. Seeing fans rally behind such an important cause reminded us of what makes Guelph truly special: our heart. To everyone who came out, donated, or helped spread the word — thank you. Together, we didn’t just cheer for a great game — we granted a wish. 💙

On October 29, 2025, the Bank of Canada announced it is lowering its policy interest rate by 25 basis points to 2.25%, with the deposit rate at 2.20% and the Bank Rate at 2.50%. This decision reflects the Bank’s ongoing response to weaker economic growth and softening inflation, as global trade challenges and slower consumer spending continue to weigh on Canada’s outlook. For the real estate market, this latest rate cut is meaningful. Lower borrowing costs can ease financial pressure for homeowners and prospective buyers alike, especially those with variable-rate mortgages or upcoming renewals. While the broader economy has shown signs of cooling—driven by lower export demand and cautious business investment—the housing sector continues to benefit from strong fundamentals and easing price pressures. Impacts on Buyers and Sellers With inflation trending closer to the Bank’s 2% target and shelter price growth moderating, affordability remains an important focus. This rate cut offers some relief for buyers, supporting more favorable mortgage conditions and potentially increasing purchasing power as we move into the final months of 2025. For sellers, the lower rate environment may help sustain buyer demand, even amid broader economic uncertainty. Employment growth has slowed modestly but remains positive in key sectors, and consumer confidence could see a lift from improved borrowing conditions heading into the winter season. Looking Ahead The Bank’s decision underscores its cautious but supportive stance as it navigates an evolving economic landscape. Global trade tensions, weaker business sentiment, and slowing U.S. demand remain ongoing challenges. However, Canada’s real estate market continues to demonstrate resilience, bolstered by steady population growth and easing inflation pressures. The next interest rate announcement is scheduled for December 10, 2025. Until then, this lower policy rate will help guide market activity and borrowing conditions as the year draws to a close. Have questions about how this affects your buying or selling plans? Contact us today for a personalized conversation about your next steps in the current market.

On September 17, 2025, the Bank of Canada announced it is lowering its policy interest rate by 25 basis points to 2.50%, with the deposit rate at 2.45% and the Bank Rate at 2.75%. This decision comes in response to signs of slowing economic activity, including weaker export performance and a cooling labour market. For the real estate market, this shift in policy rate is notable. A reduction in rates can influence borrowing conditions, particularly for those with variable-rate mortgages or upcoming renewals. While the broader economy has experienced headwinds from trade-related pressures and moderated business investment, the housing market continues to be supported by consumer demand and easing inflationary trends. Impacts on Buyers and Sellers With inflation moving closer to target and shelter price growth moderating, affordability remains in focus. The Bank’s adjustment provides a signal of easing financial conditions, which may support stability in mortgage lending and borrowing decisions in the months ahead. For sellers, the lower rate environment could help sustain buyer interest as households continue to navigate broader economic uncertainty. Employment has shown some signs of cooling, yet household spending remains resilient, contributing to continued activity in the housing sector. Looking Ahead The Bank’s decision reflects an effort to balance slowing growth with the need to keep inflation near its 2% target. Ongoing global trade developments, domestic labour market conditions, and business investment trends remain key factors shaping the economic outlook. The next interest rate announcement is scheduled for October 29, 2025. Until then, the new policy rate will help set the tone for market conditions heading into the fall season.  Have questions about how this affects your buying or selling plans? Contact us today for a personalized conversation about your next steps in the current market.

Join us on October 24th for a Special Night of Hockey & Heart On Thursday, October 24, the Storm’s Cause Marketing Game—sponsored by Coldwell Banker—will donate 50/50 proceeds to the Guelph Wish Fund. The Guelph Wish Fund for Children is a local charity dedicated to making dreams come true for children in Guelph and Wellington County who are facing life-altering illnesses, serious medical challenges, or significant disabilities. For over 40 years, the organization has been creating moments of joy, comfort, and hope for these children and their families—whether through dream vacations, unforgettable celebrations, or providing essential equipment that enhances their quality of life. By supporting this remarkable cause, you’re helping bring light to the lives of local kids during some of their toughest times—and showing that CBN proudly stands with our community’s young heroes, both on and off the ice.




