Mortgage Broker Tay, Ontario

Tay Township rates reflect the Ontario market. With some of the most affordable Georgian Bay-adjacent pricing in the county ($600,000–$650,000), Tay represents excellent value for waterfront lifestyle buyers. Craig Brunsdon shops 60+ lenders to find the best rate for any Tay property type.

Tay Township includes Victoria Harbour, Port McNicoll, Waubaushene, Coldwater, and Waverley. Victoria Harbour is the township seat with Georgian Bay access. Port McNicoll is a historic Great Lakes port community. Coldwater sits inland with a charming small-town character. Each community offers different real estate options.

Tay Township offers Georgian Bay access at prices significantly below Collingwood or Midland. Victoria Harbour and Port McNicoll in particular offer waterfront and water-access properties at $600,000–$650,000 that would cost far more on Collingwood's inner harbour. For budget-conscious waterfront buyers, Tay is an underrated gem.

For a home at $625,000 (Tay midpoint), you'd need approximately $31,250 down — 5% on the first $500K and 10% on the remaining $125K. This is one of the lower absolute down payment requirements in Greater Simcoe, making Tay accessible for first-time buyers and those with smaller savings.

Yes. Georgian Bay waterfront in Tay Township varies from modest bungalows to lakefront cottages. Most year-round properties with municipal road access qualify for standard mortgages. Seasonal properties require 20% down and specific lender approval. Craig knows which lenders are most active and flexible in Tay Township specifically.

Both communities attract retirees seeking a quiet, waterfront lifestyle at an affordable price. Georgian Bay views, marina access, and proximity to Midland's services (10 min) make Tay Township an excellent retirement destination. Craig works with seniors qualifying on pension, CPP/OAS, and RRIF income for Tay Township properties.

Tay's lower price point compared to Barrie or Collingwood makes it one of Greater Simcoe's best markets for first-time buyers. With FHSA, RRSP Home Buyers' Plan, and the Ontario land transfer tax rebate, first-time buyers can significantly reduce their entry costs. Craig maps out the exact savings for Tay Township purchases.

Craig's office is in nearby Orillia (about 30 minutes from Tay). He services all of North Simcoe regularly and can meet in person or handle everything remotely. Pre-approvals take 24–48 hours, and Craig manages all lender communication through to closing — giving you a smooth experience regardless of which Tay Township community you're buying in.