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    <title>Kandice and Kirby Muskoka Real Estate Blog</title>
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    <description>Buying, selling, waterfront, costs and moving to Muskoka, Ontario.</description>
    <language>en-CA</language>
    <lastBuildDate>Thu, 29 Oct 2026 00:00:00 GMT</lastBuildDate>
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      <title>FHSA and Home Buyers' Plan for a first home in Muskoka</title>
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      <pubDate>Thu, 29 Oct 2026 00:00:00 GMT</pubDate>
      <category>Buying</category>
      <description>How the First Home Savings Account and the Home Buyers' Plan work for a first Muskoka home: limits, who counts as a first-time buyer and how both can be used.</description>
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    <item>
      <title>First-time home buyers' GST/HST rebate on new homes</title>
      <link>https://muskokahomesforsale.com/blog/first-time-home-buyers-gst-hst-rebate-new-homes-muskoka/</link>
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      <pubDate>Thu, 29 Oct 2026 00:00:00 GMT</pubDate>
      <category>New Construction</category>
      <description>How the federal first-time home buyers' GST/HST rebate works on a newly built Muskoka home: who qualifies, the amounts to $1.5 million, key dates and how to claim.</description>
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      <title>Mortgage loan insurance premiums explained</title>
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      <pubDate>Thu, 29 Oct 2026 00:00:00 GMT</pubDate>
      <category>Costs and Taxes</category>
      <description>When a mortgage needs loan insurance, the CMHC premium table and the down payment tiers, with a worked example at a $600,000 price using 5% and 10% down tiers.</description>
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      <title>Estate administration tax when selling a Muskoka home</title>
      <link>https://muskokahomesforsale.com/blog/estate-administration-tax-selling-muskoka-home/</link>
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      <pubDate>Thu, 08 Oct 2026 00:00:00 GMT</pubDate>
      <category>Selling</category>
      <description>How Ontario's estate administration tax works: the $50,000 threshold, $15 per $1,000 above it, the deposit timing and the questions to put to an estate lawyer.</description>
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      <title>Living in Muskoka year-round: services and access</title>
      <link>https://muskokahomesforsale.com/blog/living-in-muskoka-year-round-services-and-access/</link>
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      <pubDate>Thu, 08 Oct 2026 00:00:00 GMT</pubDate>
      <category>Moving to Muskoka</category>
      <description>Hospitals, Corridor 11 and local transit, septic permit authorities and the road versus water access questions to ask before moving to a Muskoka home.</description>
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      <title>Muskoka cottage closing costs and land transfer tax</title>
      <link>https://muskokahomesforsale.com/blog/muskoka-cottage-closing-costs-land-transfer-tax/</link>
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      <pubDate>Thu, 08 Oct 2026 00:00:00 GMT</pubDate>
      <category>Buying</category>
      <description>How Ontario land transfer tax is worked out, with an example at a round $900,000 price, the first-time buyer refund rules and a list of closing costs to expect.</description>
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      <title>Muskoka towns and townships, explained</title>
      <link>https://muskokahomesforsale.com/blog/muskoka-towns-and-townships-explained/</link>
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      <pubDate>Thu, 08 Oct 2026 00:00:00 GMT</pubDate>
      <category>Neighbourhoods</category>
      <description>Which municipality each Muskoka community sits in: Huntsville, Bracebridge, Gravenhurst, Muskoka Lakes and Lake of Bays and how the District fits above them.</description>
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      <title>Muskoka waterfront property tax, explained</title>
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      <pubDate>Thu, 08 Oct 2026 00:00:00 GMT</pubDate>
      <category>Costs and Taxes</category>
      <description>How Muskoka property tax is built: the 2026 Huntsville and Gravenhurst residential rates, MPAC's January 1, 2016 valuation date and an example on $500,000.</description>
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      <title>Shore road allowances: what Muskoka waterfront buyers should know</title>
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      <pubDate>Thu, 08 Oct 2026 00:00:00 GMT</pubDate>
      <category>Waterfront and Cottages</category>
      <description>What a shore road allowance or Crown shoreline reserve means for a Muskoka waterfront buyer, using Ontario policy PL 4.11.03 and the Municipal Act.</description>
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