8 Sep

21 Reasons Why We Love South Glengarry: St. Lawrence River and Fishing [15 of 21]

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Posted by: Jenni MacDonald

South Glengarry, with its picturesque landscapes and vibrant culture, has always been close to our hearts. Join Bill MacDonald and I on a 21-week adventure as we reveal the charms of South Glengarry that often remain undiscovered, even by its own residents.

Reason #15: The Alluring St. Lawrence River and Its Rich Fishing Culture

SHIP Alert! If you’re in South Glengarry, you might frequently hear the excited shouts of “SHIP!”, especially during gatherings by the St. Lawrence River. The sight of these majestic ocean-bound vessels sailing by is nothing short of breathtaking. For a touch of fun, jet skis often play in the wake of these passing giants (safely, of course!). To get in on the action and predict ship timings, we personally recommend the “Marine Traffic” app, though several others serve the same purpose.

Biking by the Riverside: Stretch your legs on approximately 40 km of biking trails extending from Lancaster to Morrisburg. Most of these paths run alongside the stunning river, offering scenic views as you pedal.

Boating Bliss: South Glengarry’s waterfront invites boating enthusiasts with several launch areas. Marinas like Mac’s in Lancaster, Raisin River in South Lancaster, and Creg Quay in Bainsville, ensure you’re never too far from a boating adventure.

Fishing Adventures: The St. Lawrence River promises an exhilarating fishing experience. Whether you’re an avid angler or someone looking to relax, the river is teeming with varieties like Pike, Musky, Bass, and Walleye. And come winter, witness the quaint ice villages near Lancaster, brimming with ice-fishing enthusiasts.

Discover More of South Glengarry: For those keen on delving deeper into what South Glengarry offers, here are some resources:

Connect with Us: Share your own South Glengarry stories! We’re eager to hear why you adore this place as much as we do. And for those contemplating a move here, we’re ready to assist with all your real estate and mortgage needs.

30 Aug

21 Reasons Why We Love South Glengarry: South Lancaster Wharf and Glengarry Cairn [14 of 21]

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Posted by: Jenni MacDonald

Embark with us, Jenni and Bill MacDonald, on a heartwarming journey, as we spotlight 21 reasons that make South Glengarry irresistibly lovable. Our selection, based on cherished personal experiences, showcases the plethora of wonders South Glengarry has in its lap. From the picturesque St. Lawrence River to the quaint Valleyview Road, and from bustling Boundary Road to the serene Quebec border, every corner of South Glengarry is a testament to its vibrant attractions and activities.

Reason #14: South Lancaster Wharf and the Intriguing Glengarry Cairn:

 

 

 

 

 

Imagine a sunny day by Pine Street in South Lancaster. The whimsical boat houses painted in vibrant colours lining the Wharf catch your attention. This public spot is perfect for a serene picnic, offering unmatched views of the majestic St. Lawrence River with the backdrop of the distant Adirondack Mountains.

Shift your gaze westward, and the historic Glengarry Cairn beckons. Constructed in the 1840s by the Militia, the monument has witnessed and harboured many stories, some of them even sparking controversies. Driving by? Make sure to take this scenic detour and bask in its mesmerizing views!

📚 Dive deeper into the Cairn’s history after WWI here.

More from South Glengarry:
Eager to explore more? Unearth countless adventures and stories by visiting:

Join the Conversation:
South Glengarry has cast its enchanting spell on us! What about you? Why do you cherish calling South Glengarry home? We are all ears! 💌

Relocation Plans?
Eyeing a move to South Glengarry? Dive into bespoke real estate and mortgage solutions curated just for you.
🏡 Jenni MacDonald – Mortgage Broker at Dominion Lending Centres – The Mortgage Source
📧 jmacdonald@dominionlending.ca

🏠 Bill MacDonald – Real Estate Broker/Partner at Century21 Shield Realty
📧 bill.macdonald@century21.ca

Stay tuned for our next spotlight as we continue our love letter to South Glengarry! 🌳💚🏡

17 Aug

21 Reasons Why We Love South Glengarry: Restaurants By The River [13 of 21]

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Posted by: Jenni MacDonald

Dive into the heart of Eastern Ontario with Bill and I as we unravel the beauty of South Glengarry every week! From the serene waves of the St. Lawrence River to the bustling scenes at Valleyview Road, every corner of South Glengarry pulsates with life and culture.

Reason #13: Dining by the Stunning St. Lawrence River

South Glengarry boasts not only scenic landscapes but also waterfront dining spots that offer both a visual and culinary delight! Dive into our curated list of top restaurants situated along the majestic St. Lawrence River.

Sheep’s Head Bistro, Glen Walter
A harmonious blend of modern bistro vibes with a gastropub twist. Whether it’s a date night or a special celebration, Rizwan and Josee ensure it’s an unforgettable experience. Dive deeper here.

Blue Anchor Bar & Grill, Glen Walter
Craving a laid-back evening? The Blue Anchor is our preferred pit stop for pub-style meals and drinks. Known faces, local banter, and Lisa’s impeccable memory for orders make it a cozy evening out. Bonus: They welcome guests arriving by boat! Discover more about Blue Anchor – Food by the water.

Perch and Paddle, between Summerstown and Lancaster
The freshest addition to riverside dining. We’ve had quite a few splendid meals here and can’t wait to explore more of their menu. Stay updated with their latest offerings on their Facebook page.

For more on what South Glengarry has to offer, take a virtual tour:

So, what’s your favourite spot in South Glengarry? Drop us a line and share your experience. If you’re contemplating making this picturesque location your home, let’s discuss your real estate needs.

💼 Jenni MacDonald
Mortgage Broker – Dominion Lending Centres – The Mortgage Source
📧 jmacdonald@dominionlending.ca

💼 Bill MacDonald
Real Estate Broker/Partner – Century21 Shield Realty
📧 bill.macdonald@century21.ca

11 Aug

21 Reasons Why We Love South Glengarry: Williamstown Fair [12 of 21]

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Posted by: Jenni MacDonald

Dive into the heart of Eastern Ontario with Bill and I as we unravel the beauty of South Glengarry every week! From the serene waves of the St. Lawrence River to the bustling scenes at Valleyview Road, every corner of South Glengarry pulsates with life and culture. 🍁✨

Reason #12: Williamstown Fair – A Nostalgic Experience! 🎪

Step into Canada’s oldest Annual Fair right in Williamstown! Scheduled for August 11-13, 2023, this 211th rendition is more than just an event – it’s a journey back in time. Revel in the exhibits of local produce, art, and music. Get thrilled by tractor pulls, Midway rides, and animal showcases. And who can forget the classic tug-of-war, baby contests, or the irresistible aroma of delicious food followed by an evening of dancing? Summer in South Glengarry just wouldn’t be the same without it.

Discover the Williamstown Fair

Dive Deeper into South Glengarry:
🔗 South Glengarry Official
🔗 RRCA
🔗 SDG Tourism
🔗 Glengarry Routes

Share Your Love for South Glengarry! 💬

South Glengarry’s charm is undeniable, but we’re eager to hear your stories! What makes it “Home” for you? Drop a comment, send an email, or simply share this post!

Thinking of Relocating to South Glengarry? 🏡

Jenni and Bill MacDonald are here to assist with all your real estate and mortgage needs.

25 Jul

The Ultimate Mortgage Broker’s Guide to Home Insurance Options!

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Posted by: Jenni MacDonald

Hey there, future homeowners! In the whirlwind of house-hunting, let’s not forget a crucial aspect – insurance. But before your eyes glaze over with the mention of the word, stick around. Not all insurance types are created equal. Let this Mortgage Broker guide you through the maze!

🛡️ Default Insurance: If you’re putting down less than 20%, this one’s for you. It’s the secret sauce that lets lenders nod in approval at those 5% down payments. A premium’s charged based on your loan-to-value ratio, either paid upfront or sneakily added to your monthly dues.

🔥 Home (Property & Fire) Insurance: Mandatory alert! This is your house’s shield against mishaps. While it sounds comprehensive, remember, events like floods or earthquakes might need an extra safety net, depending on where your dream house stands.

📜 Title Insurance: Every lender in Canada will ask you to have this. Why? It’s your protection against nasty surprises like pre-existing liens or, worse, title fraud. Think of it as a one-time fee guarding your home’s title.

🏢 Strata Insurance: Living in a stratum? This is your building’s safety net. However, it doesn’t cover the treasures inside your unit. Got an emergency like a flood? Your personal policy kicks in for unit fixes, while the strata policy rebuilds common areas. Pro tip: Keep tabs on your strata’s latest insurance policy.

🛡️ Mortgage Protection Plan: Optional but golden. Think of this as your mortgage’s lifeline if things go south, covering disability or life instances linked to your mortgage.

Confused? Curious? Or simply want to give your existing plan a once-over? Drop me a line 📩! As your trusted Mortgage Broker, I’m here to ensure you’ve got the best coverage for your cozy nest. Let’s safeguard your dreams together! 💪🏡🔐

Stay informed, stay insured. 🌟

23 Jun

21 Reasons Why We Love South Glengarry: Coopers Marsh [11 of 21]

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Posted by: Jenni MacDonald

Join Us on a Weekly Journey in Eastern Ontario’s South Glengarry

Join Bill MacDonald and I as we embark on a weekly adventure, revealing our top 21 reasons to love South Glengarry. Each reason is based on our personal experiences and in no particular order. South Glengarry’s diverse offerings often go unnoticed, so we’re here to highlight what you can discover, from the St. Lawrence River to Valleyview Road, and from Boundary Road to the Quebec border.

Reason 11: The Serene Cooper’s Marsh

Today, we invite you to join us on the tranquil trails of Cooper’s Marsh. This marshland provides several walking paths, including picturesque boardwalks. It’s a haven for peace and relaxation where you can feed the birds, or simply enjoy the sounds and sights they provide. Due to COVID-19 restrictions, the Visitor Centre has been temporarily closed, and we’re unsure if it will reopen for the 2023 summer season. However, the trails always welcome visitors. As a protected habitat, Cooper Marsh Conservation Area prohibits bicycles, dogs, and motorized vehicles to maintain its serene environment.

Check out these local websites for more of what South Glengarry has to offer:

We’d love to hear why you enjoy calling South Glengarry “home”. Feel free to reach out with your stories, and thank you for joining us on this journey. If you’re considering relocating to South Glengarry, we’re more than happy to discuss your real estate and mortgage options.

About Us

Jenni MacDonald – Mortgage Broker, Dominion Lending Centres – The Mortgage Source
jmacdonald@dominionlending.ca

Bill MacDonald – Real Estate Broker/Partner, Century21 Shield Realty
bill.macdonald@century21.ca

Stay Tuned for More!

Stay tuned for the continuation of our series where we explore the beauty and charm of South Glengarry. Catch you next week!

15 Jun

21 Reasons Why We Love South Glengarry: Parks [10 of 21]

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Posted by: Jenni MacDonald

Journey with me and real estate broker Bill MacDonald as we reveal 21 compelling reasons why South Glengarry captures our hearts. Each week, we spotlight one unique feature of South Glengarry, celebrating the wealth of experiences offered by our vibrant community, nestled from the stunning St. Lawrence River to the picturesque Valleyview Road, extending from Boundary Road to the Quebec border.

Week 10: The Great Outdoors: Celebrating South Glengarry’s Parks

South Glengarry boasts a multitude of splendid parks, providing the perfect escape to immerse oneself in nature, all for free!

One park that holds a special place in our hearts is the Glen Walter Regional Park. The 2km paved walking trail is our go-to destination for daily walks and runs, irrespective of the season – courtesy of a kind-hearted neighbour who ensures the path is snow-free in winter.

The natural beauty of the park keeps us coming back for more. You’ll find yourself entranced by the chorus of croaking frogs, the sight of sun-basking turtles, or the melodious songs of various bird species. Additionally, the newly installed play structure keeps our grandchildren entertained for hours on end!

The park further hosts courts for tennis, pickleball, basketball, and volleyball, plus fields for baseball and soccer. Added amenities include a picnic shelter and onsite washrooms.

While we’ve particularly enjoyed Glen Walter Regional Park, South Glengarry is home to many more! Here are a few you may like to explore:

  • Green Valley Community Park: outdoor rink, basketball, baseball, soccer, tennis, play structure
  • Jack Danaher Park, Bainsville: rec centre, outdoor rink, play structure
  • Kenneth Barton Senior Park, Martintown: provides access to the Raisin River
  • Martintown Community Park: outdoor rink, play structure, basketball, baseball, tennis, pickleball
  • North Lancaster Optimist Park: outdoor rink, soccer, baseball, volleyball, play structure, community centre
  • Paul Rozon Memorial Park, Williamstown: splash pad, basketball, baseball, outdoor rink, play structure
  • Smithfield Park, Lancaster: outdoor rink, soccer, beach volleyball, playground, picnic shelter

To uncover more of South Glengarry’s charm, explore these local resources:

We encourage you to share your reasons for calling South Glengarry “Home”. If you’re contemplating a move to South Glengarry, we’d be delighted to assist you with your real estate and mortgage needs.

Jenni MacDonald
Mortgage Broker – Dominion Lending Centres – The Mortgage Source
Email: jmacdonald@dominionlending.ca
Website

Bill MacDonald
Real Estate Broker/Partner Century21 Shield Realty
Email: bill.macdonald@century21.ca
Website

8 Jun

21 Reasons Why We Love South Glengarry: Heritage Golf & Country Club [9 of 21]

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Posted by: Jenni MacDonald

Unveiling South Glengarry: The Heritage Golf and Country Club (#9 of 21 Reasons We Love South Glengarry)

Join Bill MacDonald and I as we continue our exploration of South Glengarry, sharing one reason each week why we adore this locale. The reasons stem from our personal experiences, in no particular order. South Glengarry’s wealth of attractions and activities are often overlooked treasures in our backyard, from the St. Lawrence River to Valleyview Road, and from Boundary Road to the Quebec border.

Reason #9: Heritage Golf and Country Club

Whether you’re a seasoned golfer or just stepping into the game, Heritage Golf Course offers an enjoyable course to play! This semi-private club features 3 – 9 hole courses (Green, Orange, and Blue), a driving range, and a clubhouse complete with a small shop, bar, and restaurant. Tee-off times are usually available daily, and the rates are very reasonable. Don’t forget to unwind with refreshments at the bar after your round! As recent members of this club, we look forward to seeing you on the course! Play all the courses and find your favourite! My personal favourite is the Blue course.

Heritage Golf & Country Club: The Player-Friendly Golf Course

Discover More of South Glengarry

To explore more amazing happenings in South Glengarry, take a look at these local websites:

We’d love to hear why you enjoy calling South Glengarry “Home.” Thank you for reading, and we look forward to your feedback.

If you’re interested in relocating to South Glengarry, we would be happy to discuss your real estate needs and mortgage options.

Jenni MacDonald
Mortgage Broker – Dominion Lending Centres – The Mortgage Source
Welcome – Jenni MacDonald Dominion Lending Centres
Email: jmacdonald@dominionlending.ca

Bill MacDonald
Real Estate Broker/Partner Century21 Shield Realty
The Kilt Guy
Email: bill.macdonald@century21.ca

 

6 Jun

Exploring Options for Your Second Home

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Posted by: Jenni MacDonald

Are you dreaming of owning a second home? Perhaps you’re imagining a serene lakeside cottage for summer holidays or considering a conveniently located city property to reduce those draining weekday commutes. Maybe you’re preparing for your child’s upcoming college life. Whichever scenario you’re facing, purchasing a “second home” is an attainable goal, thanks to programs from Genworth, Canada Guaranty, and CMHC. These entities provide Canadians the opportunity to secure these properties with as little as a 5% down payment. Let’s break down the details.

Understanding Your Options: Genworth’s “Secondary Homes (Type A)” and “Vacation Homes (Type B)” Programs

Genworth offers two prominent programs for secondary or vacation homes. The fundamental requirements for both types revolve around the property itself and the occupants.

The properties in question must be single-family units, occupied by either the borrowers or their family members. In the case of Secondary Homes or the Canada Guaranty’s LifeStyle Advantage Property, they must have permanent property amenities like a full foundation, a persistent heat source, and a potable water source. However, Vacation Homes are not bound by the same requirements; they do not need to be winterized or have a potable water source. Moreover, they can be located in areas without year-round road access.

Borrower Prerequisites and Mortgage Specifications

For all programs, borrowers typically require an Equifax Beacon credit score of at least 650. Moreover, the operating costs of the property must be fully covered by the borrowers’ income. Rental income or contributory income from the property cannot be utilized to qualify for the mortgage.

When it comes to the down payment, Vacation Homes require it to come from the borrowers’ resources. However, the down payment for a Secondary Home can also be gifted by a family member. As for the LifeStyle Advantage program, the down payment can be borrowed or gifted from any arm’s length source.

Additionally, Purchase Plus mortgage products are available for all programs, but cash back mortgage products are only accessible for the Secondary Home program.

Seek Guidance for Your Specific Situation

The journey to owning a second home is thrilling, yet it can be complex. If you’re unsure whether your situation qualifies for a “Second Home” program, don’t hesitate to reach out. As an experienced mortgage broker, I’m here to help you review and navigate your mortgage needs.

1 Jun

21 Reasons Why We Love South Glengarry: Glengarry Fine Cheese [8 of 21]

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Posted by: Jenni MacDonald

21 Reasons Why We Love South Glengarry: Delighting in the Tastes of Local Artisan Cheese

Join Bill and I on a delicious journey, as we bring you Reason #8 in our series “21 Reasons Why We Love South Glengarry.” This week, we take a delightful detour into the realm of artisan cheeses at Glengarry Fine Cheese.

Reason #8: Glengarry Fine Cheese

If the words ‘local’, ‘artisan’, and ‘cheese’ make your mouth water, you’re in for a treat! Glengarry Fine Cheese is the epitome of local delicacy, crafting exquisite cheese from the milk of cows just across the road! You truly can’t get any more local than this.

Their cheeses have garnered numerous awards, and once you’ve tried their blue cheese and aged cheddar, you’ll know why. Available at various stores, we highly recommend a visit to their factory shop just north of Lancaster. It’s an experience you don’t want to miss!

Glengarry Fine Cheese

Discover More of South Glengarry

Explore these websites to learn more about the incredible offerings of South Glengarry:

Why do you love calling South Glengarry “Home”? Share your stories with us, and let’s celebrate the beauty of our community together. If you’re contemplating a move to South Glengarry, don’t hesitate to reach out. We’d be happy to discuss your real estate needs and mortgage options.

Jenni MacDonald

Mortgage Broker – Dominion Lending Centres – The Mortgage Source
Welcome – Jenni MacDonald Dominion Lending Centres
jmacdonald@dominionlending.ca

Bill MacDonald

Real Estate Broker/Partner Century21 Shield Realty
www.thekiltguy.com
bill.macdonald@century21.ca