Kelly Bayne at REMAX

Kelly Bayne at REMAX Kelly Bayne
Real Estate Broker
RE/MAX Jazz, Inc., Brokerage
905-447-4077

~Committed To Excellence From Contract to Closing~

REALTOR® proudly serving the Durham region!

🔥QUESTION OF THE WEEK🔥Whether it's showing up early, or showing up late - the answer is NO, you're not overreacting when...
06/15/2026

🔥QUESTION OF THE WEEK🔥
Whether it's showing up early, or showing up late - the answer is NO, you're not overreacting when a REALTOR shows up at your home outside of their designated appointment time!

In fact, there was a recent RECO disciplinary decision where the REALTOR was fined $9k for showing up early to their appointment!

If I've ever shown you a property & we've spent time standing around out front until EXACTLY our appointment time...this is why!

And no, it doesn't matter if the property is vacant - either vacant or occupied, it's considered trespassing to access a property outside of the confirmed showing time.



🎉 WHAT’S HAPPENING THIS WEEKEND?From waterfront festivals and farmers' markets to workshops and outdoor adventures, ther...
06/12/2026

🎉 WHAT’S HAPPENING THIS WEEKEND?
From waterfront festivals and farmers' markets to workshops and outdoor adventures, there's something for everyone this weekend!

📍 DURHAM REGION

🌽 Brooklin Farmers' Market
The 2026 season opens this weekend with local produce, baked goods, artisans, and community vendors. Open Saturday from 9 a.m. to 2 p.m.

🍓 Port Perry Lakefront Farmers' Market
One of Durham's most popular waterfront markets continues Saturday with local food, crafts, and vendors along the lakefront.

🚶 Uxbridge Farmers' Market
Shop local while exploring one of Durham's most charming downtowns. Open Sunday from 9 a.m. to 2 p.m.

🎭 Pippin at the Oshawa Little Theatre
Award-winning musical theatre continues its run this weekend.

🎬 Local Arts, Theatre & Community Events
Municipal event calendars across Whitby, Ajax, Oshawa, and Pickering continue to feature family-friendly performances, cultural events, and seasonal programming throughout the weekend.

📍 KAWARTHA LAKES

🛍️ Lindsay Farmers' Market
A longtime local favourite running Thursday and Saturday with fresh produce, baked goods, flowers, and artisan vendors downtown.

🧼 Introduction to Soapmaking Workshop
Learn a new skill at this hands-on workshop taking place Saturday in Kawartha Lakes.

🚶 Explore Local Trails & Waterfronts
With warm weather arriving, it's a perfect weekend to enjoy Fenelon Falls, Bobcaygeon, Lindsay, and the many trails and waterfront destinations throughout Kawartha Lakes.

🌾 Local Farmers' Markets Across the Region
Many seasonal markets are now operating throughout Kawartha Lakes, making it a great weekend to shop local and support area producers.

📍 NORTHUMBERLAND COUNTY

🌊 Cobourg Waterfront Festival Activities
The Cobourg waterfront continues to host seasonal events, entertainment, and family activities throughout the summer season.

🛍️ Cobourg Farmers' Market
Browse local produce, baked goods, handmade products, and more from regional vendors.

🏃 2026 Oak Ridges Moraine Adventure Relay
An exciting outdoor event taking place Saturday in the Port Hope area.

🎭 Live Theatre & Entertainment
Northumberland's theatres and performing arts venues continue to offer weekend performances and entertainment across the county.

🌿 Ferris Provincial Park Guided Activities
Enjoy hiking, nature walks, and outdoor recreation opportunities throughout the weekend.

🏡 While you're out exploring these amazing communities, take a moment to imagine what it would be like to call them home. Every neighbourhood has its own personality, and the best way to discover it is by experiencing it firsthand.



📌REAL ESTATE IN THE NEWS 👇🏻One of the biggest housing stories in Ontario isn't happening in a subdivision.It's happening...
06/10/2026

📌REAL ESTATE IN THE NEWS 👇🏻

One of the biggest housing stories in Ontario isn't happening in a subdivision.

It's happening in our shopping centres.

Across Ontario and the GTA, ageing malls and large retail properties are increasingly being redeveloped into mixed-use communities that combine housing, shopping, offices, restaurants, and public spaces. Projects like Pickering City Centre, Cloverdale Mall, Golden Mile, and Galleria on the Park are already transforming underutilized commercial land into entirely new neighbourhoods.

Why does this matter?

Because when people talk about solving the housing shortage, most imagine new subdivisions expanding farther and farther out.

The reality is that a significant portion of future housing supply may come from land that's already developed and already has roads, transit, utilities, schools, and services nearby.

Think:
🏢 More housing where infrastructure already exists
🚶 Walkable communities with shops and services nearby
🚉 Better use of transit and existing road networks
🌳 Less pressure to continually expand into undeveloped land

Closer to home, it raises an interesting question.

With large retail spaces changing across Durham Region - including former department store sites and ageing commercial properties - could some of Durham's future housing eventually be built on land that today is occupied by retail?

Whether you love the idea or hate it, this is a trend that's likely to play a major role in how Ontario grows over the next decade.

❓ Where would you rather live?

A) A traditional subdivision on the edge of town

OR

B) A walkable mixed-use community with shops, restaurants, and services nearby

Let me know below 👇



🔥 QUESTION OF THE WEEK 🔥Can a property's location make it harder to get a mortgage?Absolutely.Most people think mortgage...
06/08/2026

🔥 QUESTION OF THE WEEK 🔥
Can a property's location make it harder to get a mortgage?

Absolutely.

Most people think mortgage approval is all about the buyer's income, credit score, and down payment. But lenders are evaluating the property too.

This graphic was provided by a well-regarded Canadian mortgage company to show some of the factors that can influence a lender's willingness to finance a property when they are also concerned about the location of the property.

I've seen this first-hand on appraisal reports for properties in "up & coming" neighbourhoods - they're looking closely at that right column when making their lending decisions!

Some examples that can raise concerns:

🚂 Backing onto active railway tracks

🏭 Close proximity to industrial or commercial uses

⚰️ Adjacent to cemeteries

🏡 Seasonal or remote properties

🚧 Limited year-round road access

🏢 Properties with unusual or niche characteristics

⚠️ Stigmatized area/property

Why?

Because if the lender ever had to sell the property after a default, they want to know there will be a market for it.

That doesn't mean these homes can't be financed. Many are financed every day.

It just means the lender may:
• Require a larger down payment
• Request additional appraisals or documentation
• Restrict the type of mortgage available
• Or in some cases, decline the property altogether

This is one of the reasons two homes that appear very similar can have very different financing experiences.

❓ Were you aware that lenders evaluate the property itself - not just the buyer?

Yes or No?



🎉 WHAT’S HAPPENING THIS WEEKEND?It's Friday, Friday 🎶 Time to make plans to get out and explore our communities!📍 Durham...
06/05/2026

🎉 WHAT’S HAPPENING THIS WEEKEND?
It's Friday, Friday 🎶 Time to make plans to get out and explore our communities!

📍 Durham Region

🎨 Peony Festival – Oshawa
One of Durham's most popular annual events returns with beautiful gardens, local vendors, food, live entertainment, and family activities.

🛍️ Whitby Farmers' Market
Fresh produce, baked goods, artisan products, and live entertainment in downtown Whitby.

🚂 York-Durham Heritage Railway Excursions – Uxbridge
A great family outing featuring scenic train rides through the countryside.

🎶 Live Music Nights Across Durham
Several local breweries, patios, and community venues are kicking off their summer music schedules this weekend.

🏃 Community Walks & Outdoor Recreation Events
Many conservation areas and local groups are hosting guided walks and outdoor activities throughout the region.

📍 Kawartha Lakes

🌾 Lindsay Farmers' Market
A great stop for local food, handmade products, and downtown shopping.

🚤 Fenelon Falls Waterfront Activities
Enjoy the waterfront, local shops, restaurants, and seasonal events happening throughout the weekend.

🎵 Live Music in Downtown Lindsay
Several venues are featuring local musicians and patio entertainment.

🚶 Kawartha Conservation Trails & Nature Events
Perfect weather for exploring some of the area's beautiful trails and parks.

🍦 Small-Town Summer Festivals
Many communities throughout Kawartha Lakes are hosting seasonal markets and family-friendly activities.

📍 Northumberland County

🌊 Cobourg Waterfront & Marina Events
The waterfront is always buzzing this time of year with vendors, entertainment, and family activities.

🛍️ Cobourg Farmers' Market
One of the region's most popular markets featuring local growers, artisans, and food vendors.

🎨 Port Hope Downtown Arts & Culture Activities
Explore galleries, heritage buildings, local shops, and weekend programming.

🎶 Live Music & Patio Season
Restaurants and pubs throughout Northumberland are featuring local performers throughout the weekend.

🚶 Explore the Trails and Conservation Areas
A perfect weekend to enjoy Northumberland's beaches, trails, and outdoor spaces.

🏡 While you're out exploring, pay attention to the neighbourhoods you visit. Sometimes the best way to discover your next favourite community - or even your next home - is by spending a weekend there.



Note: Because many local event calendars for this weekend are still being updated, I recommend verifying specific times and locations with municipal and tourism websites before heading out.

🔥QUESTION OF THE WEEK🔥What problems are so bad you should walk away from a house entirely?This question has been popping...
06/01/2026

🔥QUESTION OF THE WEEK🔥
What problems are so bad you should walk away from a house entirely?

This question has been popping up all over Reddit, Facebook groups, and first-time buyer forums lately - and the answers are changing.

A few years ago, most buyers were worried about cosmetic issues:
• outdated kitchens
• ugly flooring
• popcorn ceilings
• old paint colours

Now? The conversation online has shifted toward:
👉 “Could this become financially unfixable?”

Because repair costs, insurance issues, financing concerns, and contractor pricing have changed dramatically.

The biggest red flags people are now saying they’d seriously reconsider buying over:
🚩 Structural movement or foundation issues
🚩 Water intrusion or recurring moisture problems
🚩 Improper grading/drainage
🚩 Mold hidden behind finished basements
🚩 Unpermitted renovations
🚩 Title/legal issues or easements
🚩 K**b & tube wiring / outdated electrical
🚩 Homes that may become difficult to insure

What’s interesting is that many buyers AREN’T necessarily afraid of renovations anymore…They’re afraid of unknowns.

Especially the kind of problems that:
• keep resurfacing
• can’t easily be inspected
• scare off future buyers
• create insurance or financing headaches later

And honestly? Some problems ARE fixable - if the price, risk, and expectations all make sense.

But the challenge is knowing the difference between:
✔️ “Needs work”
and
❌ “Potential money pit.”

Curious what you think:
What’s a dealbreaker issue that would make YOU walk away from a house entirely?



🎉 WHAT’S HAPPENING THIS WEEKEND?Sunshine, farmers markets, live music & classic cars…this weekend is packed 🌤️📍 DURHAM R...
05/29/2026

🎉 WHAT’S HAPPENING THIS WEEKEND?
Sunshine, farmers markets, live music & classic cars…this weekend is packed 🌤️

📍 DURHAM REGION
• Friday Night Fever at Bond|ST Event Centre
• IG Wealth Management Walk for Alzheimer’s
• Guided hikes & museum events happening throughout the region
• Local vendor markets & live music events

📍 KAWARTHA LAKES
• Made in Kawartha Lakes Show & Sale
• Bloom Lindsay Classic Car Show & Open House
• Rabies Vaccine & Microchip Clinic
• Local live music and community events throughout Lindsay & surrounding areas

📍 NORTHUMBERLAND COUNTY
• Port Hope Farmers’ Market
• Cobourg Farmers’ Market
• Friday Night Cruise-In Cobourg
• Warblers & Whimbrels birding weekend at Presqu’ile
• “You’re A Good Man, Charlie Brown” at Capitol Theatre



📌REAL ESTATE IN THE NEWS 👇🏻Ontario municipalities are battling over something called “missing middle” housing - and it c...
05/27/2026

📌REAL ESTATE IN THE NEWS 👇🏻
Ontario municipalities are battling over something called “missing middle” housing - and it could have a huge impact on the future of housing across the GTA and Durham Region.

What is “missing middle” housing?
👉 Duplexes
👉 Triplexes
👉 Fourplexes
👉 Townhomes
👉 Small walk-up apartments

Basically, housing that falls somewhere between a detached house and a condo tower.

The idea is that allowing more of these housing types could:
🏡 Increase supply
💰 Improve affordability
🚆 Add density near transit
📈 Create more housing options without building high-rises everywhere

But not everyone agrees.

Some municipalities are pushing back due to concerns around:
⚠️ Infrastructure capacity
⚠️ Parking
⚠️ Schools & services
⚠️ Community density changes

At the same time, Ontario is actively encouraging municipalities to build faster.

👉 Pickering was recently awarded $44 million through Ontario’s Building Faster Fund after exceeding provincial housing targets.

So now we’re seeing two competing realities at the same time:
➡️ The Province wants more housing approved quickly
VS
➡️ Municipalities trying to determine whether infrastructure can realistically keep up

And honestly, this is becoming one of the biggest real estate stories in Ontario right now.

Because the housing conversation is no longer just about prices…

It’s increasingly about:
• zoning
• density
• infrastructure
• transit
• and what kind of communities Ontario wants to build in the future.

The real housing challenge isn’t just building more homes - it’s whether cities can support the growth that comes with them.

Address

21 Drew Street
Oshawa, ON
L1H4Z7

Telephone

+19054474077

Website

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