CC Realty Group

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CC Realty Group We provide real estate services in Kitchener, Waterloo, Cambridge, Guelph, and surrounding areas of Ontario.
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Our motto is "Get It Sold!" We work as hard as we can to make sure your home is sold for top dollar. We believe in keeping in constant touch with our clients to ensure we are providing them service above and beyond their expectations! WE help people buy, sell, or invest in real estate in Kitchener, Waterloo, Cambridge, and surrounding cities. We also have a wealth of information concerning investment properties in Florida. Contact us today to talk about real estate: 519-772-3759 or [email protected]
WE LOVE REFERRALS!!! Check out our website for more information: www.callcleeves.ca

Follow our blog for updates and handy tips and tricks in the real estate market! http://www.callcleeves.com/viewcustompage.php?id=6573

also follow us on Twitter:

Subscribe to us on youtube for monthly real estate market updates:
http://www.youtube.com/user/CallCleeves/videos?view=0&flow=grid

WE also have a pinterest account to show some of the msot amazing homes we have sold or are selling, follow us: https://pinterest.com/callcleeves/

10/16/2026

Your home inspection is important. But by the time you get there, you're often emotionally attached or already in a bidding war.
That's why we check these things at the first showing.

A few questions we always ask the listing agent:
What are the average monthly utility bills?
Are any appliances or equipment rented?
When were the roof, furnace and windows last replaced?
Has the basement ever had water?
Is there a Seller Property Information Statement? It's not required in Ontario, but asking tells you a lot.

None of these are automatic deal-breakers. A rented water heater or an older roof just changes what the home is really worth to you. And that's information you want before you write an offer, not after.

Which one had you never heard of?

15 WELLINGTON Street S Unit , Kitchener$1700/month (new lower price)This beautiful 1 bedroom 1 bath condo on the 7th fl...
10/15/2026

15 WELLINGTON Street S Unit , Kitchener
$1700/month (new lower price)

This beautiful 1 bedroom 1 bath condo on the 7th floor at Station Park. This development has everything you are looking for. It's perfectly situated in the heart of KW’s innovation district. Its minutes to the region's transit hub, Beautiful modern interior finishes, and the incredible amenities. Dog washing station, private hydro pool, premier lounge area with bar, pool table and foosball, two-lane bowling alley, fitness facility, including a yoga/pilates studio & Peloton studio with lounge, landscape outdoor terrace with cabana seating and BBQ. Rent includes high speed internet and gas.

Ryan Moore, sales rep 519-242-8854
Keller Williams Innovation

10/15/2026

Let's run the real numbers on a $700K home.
20% down: $140,000.
Minimum down: about $45,000. That's 5% on the first $500K and 10% on the rest.
That's a $95,000 difference. For most first-time buyers, that's years of saving.
The tradeoff with less than 20% down is mortgage default insurance. At this down payment, the premium is about 4% of your loan, so roughly $26,000 added to your mortgage, plus about $2,000 in PST paid on closing.
A few more things that can help first-time buyers:
FHSA: save up to $8,000 a year, up to $40,000 total, tax-free for your first home.
RRSP Home Buyers' Plan: withdraw up to $60,000 from your RRSP for your down payment.
30-year amortization: first-time buyers with an insured mortgage can stretch their payments to lower the monthly cost.
Is 20% down better? It can be. Is it required? No. The right answer depends on your budget, your timeline and how much rent you'd pay while you keep saving.
If 20% has been holding you back, let's run your actual numbers. You might be closer than you think.

10/14/2026

A huge THANK YOU to everyone who stopped by our Thanksgiving Pie Giveaway! 🧡

It was wonderful seeing so many familiar faces and sharing a little Thanksgiving sweetness with you!

We are truly grateful for your continued support and for being part of the CC Realty Group family.

From our family to yours, Happy Thanksgiving! 🍁🥧

10/13/2026

Negotiating a home is so much more than going back and forth on a number.

Before we ever respond to an offer or a counter, we're asking questions. Why is the seller moving? Have they already bought somewhere else? Has the price dropped before? Every answer tells us how much room there really is and what matters most to the other side.
Sometimes the best move isn't a lower price. It's a closing date that solves the seller's problem, or dropping a condition you don't really need. That's how you get a better deal without anyone walking away frustrated.

And honestly, one of our favourite parts of the job is being the buffer. You never have to be the one saying no to someone's face. That's what we're here for.

Have a question about how negotiating works? Drop it below and we'll answer it.


10/10/2026

Happy Thanksgiving!

112 Michener Cres KitchenerSee before the SNOW!Offering the space families are looking for, this large four-bedroom back...
10/09/2026

112 Michener Cres Kitchener

See before the SNOW!

Offering the space families are looking for, this large four-bedroom backsplit features three full bathrooms, formal living and dining rooms, a second living room, a double-car garage, and a private backyard with an in-ground pool. Located on a quiet, low-traffic crescent in the established Idlewood/Lackner Woods community.

https://ccrealtygroup.ca/112-michener-cres-kitchener/

DM with Questions

10/09/2026

Your down payment gets you the keys. These costs get you to closing day.

On a $700K home in Kitchener-Waterloo, closing costs can easily land between $15K and $20K. The biggest one is land transfer tax. KW doesn't charge a municipal land transfer tax like Toronto does, but you'll still pay the provincial one. If you're a first-time buyer, you can get up to $4,000 of it back.

The one that surprises people most? If you put less than 20% down, your mortgage insurance gets added to your loan, but the 8% PST on that insurance has to be paid in cash on closing. On a typical first-time purchase, that's about $2,000 nobody mentioned.

Three things to do before you start booking showings:
Get a quote from a real estate lawyer.
Ask your mortgage broker for a full closing cost estimate, not just your monthly payment.
Keep a separate savings bucket just for closing.
Save this, and send it to anyone buying in the next year.

www.ccrealtygroup.ca

Address

640 Riverbend Drive
Kitchener, ON
N2K3S2

Telephone

+15197723759

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