Climbing the Property Ladder

Climbing the property ladder 

This is about an interesting conversation I had with a close friend of mine recently. He was considering buying a bigger home, and I thought I might share it with you. He has a family and is trying to make the right decision for them, and wonders if upsizing is the right thing to do, and whether it is a necessary risk. Let’s just assume for yourself, it’s the only tax-free investment you have. There are actually some tax-free savings accounts options out there but in theory, this is the only investment where no one is coming at you with hat-in-hand, asking for a piece. It’s where you spend the most time. This family loves to entertain and have people over. They spend tons of time in their home, and don’t have the elbow room they want. I asked my friend if he had any other savings, and how he was building for his financial freedom down the road. What everyone should consider for their family is what they are doing to ensure a future where they are able to help out if their kids decide to go to university or want to start a business when they are older. For most, it’s not much. There is not enough preparation in the early stages of life to make sure that the building blocks are in place to build a higher net worth and some financial stability for the future. Generally, most have a tendency to make the investment in other areas of their life. People want a new car, new stereo, hardwood flooring, want to go on vacation and whatever the case may be, they make it work. But not enough do the same with their house, the most important and chances are, the most expensive asset they will ever own. Make that work first. You’ll find that everything else is easier. I always have a level of cautiousness when I work with buyers, but I always encourage them to think of the level of success of people in their lives, whether it was buying stock or gambling on a new business venture, and consider how those people who have invested in their houses are doing.

Should I buy more real estate? 

I think for most, it’s a good move. There is a limit obviously in what you should buy and how much you should buy, but for this particular family and for many others I work with, the question shouldn’t just be ‘Can I afford a little more?’ but sometimes it should be ‘Can I afford not to do this?’ I think it’s an important piece of where you’re going in life to make sure that you are investing the right amount into your principal residence.

Your Guide to the Holiday Season in Guelph

By Hudson Smith • December 3, 2025
There’s something special about Guelph in December. The lights feel a little brighter, the downtown feels a little cozier, and the whole city comes alive with traditions that bring our community together. To help you make the most of the season, we’ve put together a simple guide to some of our favourite local holiday events — the ones that make living in Guelph feel like home. Spirit of the Season December 5–7 & December 12–14 — Downtown Guelph Downtown transforms into a festive hub filled with twinkling lights, artisan vendors, live entertainment, and warm holiday energy. It’s the perfect place to support local businesses, enjoy a hot drink, and soak in the magic with friends or family. If you’re looking for that “start of the holidays” feeling, this is it. Sparkles in the Park December 13–31 — Riverside Park Every evening, Riverside Park lights up with spectacular displays — glowing tunnels, festive scenes, and whimsical designs that bring out everyone’s inner child. And this year, keep an eye out for The Hudson Smith Group lighting display among the magic — we’re proud to support this beautiful community tradition with the Guelph Rotary Club. Even better? The carousel rides are free, and there’s a fireworks show on New Year’s Eve. Santa Run & Santa Claus Parade Saturday, December 6 - Santa Run 4:55 PM & Parade 5:30 PM One of Guelph’s most beloved traditions. The evening starts with the Santa Run — a quick, fun, festive dash — followed by the parade winding through downtown with music, lights, and holiday cheer. It’s a great way to kick off December with the whole family. Old Quebec Street Christmas Market Dates vary through December A cozy, European-style indoor market right in the heart of the city. Expect local makers, handmade gifts, warm drinks, and the perfect place to finish (or start!) your holiday shopping while supporting local vendors. Market Square Skating All winter long — weather permitting Nothing feels more festive than skating under the lights in front of City Hall. Bring a friend, grab a hot chocolate afterward, and enjoy one of Guelph’s simplest — and most nostalgic — winter traditions. Giving Back This Season If you’re looking to make a difference this year, consider supporting one of Guelph’s incredible community organizations, including: The Guelph Food Bank Royal City Mission Hope House Toys for Tots / local toy drives Rotary initiatives A little kindness goes a long way during the holidays. From Our Team to Yours The holidays are a time to slow down, reflect, and appreciate the people who make our community special. Whether we’ve worked together this year or you’ve simply followed along with our journey — thank you. Your trust and support mean the world. Wishing you a warm, joyful, magical holiday season from all of us at the Hudson Smith Group.

A Rare Dual-Residence Bungalow in Guelph’s Old University Neighbourhood

November 14, 2025
Have you ever wished you could have more space — without sacrificing connection? Across Guelph, more families are embracing two-family or multi-generational living as the perfect blend of connection, independence, and financial practicality. Whether supporting aging parents, welcoming adult children home, or creating separate living quarters for long-term stability, buyers want homes that can comfortably and naturally support two households. But as demand grows, suitable properties have become almost impossible to find—especially in walkable, highly established neighbourhoods like Old University. That’s what makes 36 Harcourt Drive such an extraordinary opportunity: a true two-family home that offers space, flexibility, privacy, and location without compromise.

Winter Curb Appeal: How to Make Your Home Stand Out in the Snow

By Hudson Smith • November 12, 2025
When the snow starts to fall, it has a way of transforming everything — streets, parks, and even front yards take on a quiet, magical charm. But for sellers, winter can also mean extra effort to make sure that charm extends to your home. Curb appeal doesn’t hibernate when the temperature drops — in fact, it matters even more. Here’s how to make your home shine this season and capture that “warm welcome” feeling buyers love, even on the coldest day. Light the Way Winter days are short, which means lighting plays a starring role. Swap out dim porch bulbs for bright, warm-toned LEDs and consider adding soft string lights or lanterns along your walkway. A well-lit entryway not only looks beautiful in twilight photos — it instantly feels inviting. Add a Pop of Colour When the landscape is all whites and greys, a bold front door makes a statement. Deep navy, forest green, or classic red can instantly lift a neutral exterior. If you’re not ready to repaint, a colourful winter wreath or fresh greenery can achieve the same welcoming effect. Dress Up with Winter Greenery Who says planters are only for summer? Evergreen boughs, birch branches, and pinecones arranged in large planters add life and texture to your front entry. They photograph beautifully and bring natural warmth to even the snowiest setting. Keep It Clean and Clear Shovel paths, sprinkle salt, and make sure steps are safe and tidy. It’s one of the simplest ways to show care — and it makes a lasting first impression for both buyers and photographers. Bonus: a clean driveway and entryway make your listing photos feel crisp and polished. Set the Scene for “Cozy” Winter buyers are looking for warmth — literally and emotionally. A soft glow from the windows, a hint of smoke from a chimney, or a front door framed by lanterns all help tell that story. These small touches help buyers imagine themselves stepping into comfort after a snowy day. Thinking of Selling This Winter? A fresh layer of snow doesn’t mean you have to wait until spring. With the right presentation, your home can look more inviting than ever. Selling in winter? We’ll make sure your home stands out — even when everything’s covered in snow. hudson@hudsonsmith.ca | 519-821-3600 | hudson@hudsonsmith.ca
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