What MPAC Property Assessments Really Mean?

When opening the MPAC property assessment received in the mail, a lot of people are filled with questions:

  • What does this mean?
  • Is this what my house is really worth?
  • Why doesn’t the assessment match what I thought my house was worth?

In this short video, our very own Laurie Gagnier, licensed REALTOR®, explains what the MPAC really means for your home value, in the simplest way possible!


Simple Answer

As Laurie explains, there’s no need to worry if the numbers “don’t match” because one has to do with the taxing of your property and the other has to do with the real estate market value of your property.

If you have any questions or would like to chat with us, don’t hesitate to give us a call.
It would be our pleasure to chat with you.

Military personnel residence in Ottawa

At BGM Real Estate Team, we provide full service relocation for RCMP (Royal Canadian Mounted Police), corporate and federal employees, and military personnel planning to relocate into or out of Ottawa. Moving to a new city with your family can often be a tedious and time-consuming endeavour, which is why our goal is to make the process quick, seamless, and hassle-free as possible for you.

If you’re about to start a new life in this beautiful city, some of the things we can do for you include:

  • Get in touch with you to talk about your specific goals, what type of home and neighbourhood you’re looking for, and other special requirements you might have.
  • Give you a selection of handpicked listings that match your preferences and requirements, and help you arrange appointments to view those homes.
  • Help you book hotel reservations and assist you with car rentals and other services during your stay.
  • Provide you with detailed maps, public transportation routes, restaurants, school information, and up-to-date information on different areas around the city.
  • ake you to different destinations around Ottawa so you can get a firsthand look at what the lifestyle in the area is like.
  • ork with you so you’ll be able to find the ideal home for you and your family, and help you with any pre-move appointments you have scheduled prior to your relocation.

Department of National Defence locations in Ottawa

The Department of National Defence has several headquarters located around Ottawa:

  • Carling Campus – Encompassing nearly 150 hectares, this site is located at the intersection of Carling Ave. and Moodie Drive. It was originally the property of Nortel, before it was acquired by the Public Works and Government Services Canada in 2010. More than 8,500 military personnel are expected to relocate here by 2020.
  • 1600 Startop Road, East Ottawa – This location houses several Operational Commands Canada COM, CFSU, CANOSCOM, CANSOFCOM, and CEFCOM.
  • Gatineau Locations – Four HQ locations in Gatineau, Quebec are located close to Ottawa, all of them less than a 40 minute drive away from the downtown area. These locations are Cite des Jeunes, Hotel de Ville St., 455 Carriere Blvd., and Sacre-Coeur St.
  • Canadian Forces Health Services Centre Ottawa

    The Health Services Centre can be found at 713 Montreal Road, Ottawa. It is one of 32 Canadian Forces across the country committed to providing quality health services to CF members. The clinic’s mission is to optimize the health of all eligible personnel through the provision of first-class health care services.

    Clinic hours are from Monday to Friday, 0730 to 1530. Walk in services are available Monday to Friday from 0730 to 1500 at the Day Treatment Unit on the 3rd Floor. Psychosocial walk-in services are also offered at the clinic from 0800 to 1200.

    You can get in touch with the clinic at (613) 945-1111.

    If you need more help with military relocation in Ottawa, give us a call at 613-558-8000, or send an email to

    Ottawa’s April Showers bring….leaky basements!

    Ottawa spring thaw

    Wow Ottawa, was that a crazy two weeks or what?! From 40cm of snow to 90mm of rain all in 14 days! Apart from not knowing whether to take out your parka or your umbrella, the past two weeks of Ottawa April showers have seen a definitive influx of calls to our inspectors about basement water seepage and leakage and conversely, we have seen evidence of seepage in the homes we have shown.

    Ottawa's april showers

    Being homeowners ourselves, and knowing that at some point 98% of all basements will have a water leakage issue at some point in its lifetime, we are still taken aback when we step into our finished spaces and draw back a wet sock!

    Immediately you have visions of peeling back carpet, replacing underpad, what if it’s in the walls, what if there’s already mould, what if there’s a crack you missed, what if the foundation needs to be fixed, what if….what if….next thing you know you’ve spent $100,000 on a basement/foundation redo!! Well let’s roll it back a bit and go over the list of things to check before you start shopping for contractors.

    With this kind of winter to rapid spring thaw, some yards became lakes and the melting snow had no way to work it’s way down the frozen ground. With water sitting close to the foundation the subsoil around your house is likely to thaw first, given that your home is giving off heat. So, following the path of least resistance, the water will make its way downhill, following the grading around the house.Ottawa's april showers

    What to do?

    So here is check No. 1….walk around your house this spring and look at the grading – does the land slope in towards your house, or away? It is the nature of back-fill to settle over time, and most of us don’t pay a whole lot of attention to what happens at the sides, back or front of our homes. A nice gentle slop away from the house in all directions is what you are going for.



    Check No. 2 – look for any downspouts that are letting water sit next to your foundation – if they are, run out and pick up some inexpensive downspout extenders to get the water at least 6ft away from your home.

    Ottawa's april showers

    Downspout extenders

    Nine times out of 10 this will take care of the seepage issues. Remember, concrete is a porous material. Any amount of water that stays near the foundation will make its way through. With seepage that migrates through concrete over time, the evidence is in something we call efflorescence – it looks like chalk on the inside of the concrete. Completely normal if your grading lets water sit close by.

    Ottawa's april showers

    water migration through concrete

    If the efflorescence is on the floor instead of the walls – then this may be an indication that your weeping tile system is blocked, or due for a change.

    Ok – now the outside of the house has been dealt with but you still have seepage – NOW call a professional, but 9 times out of 10 the simple grading and downspout fixes will work!

    For more information, or to know what professionals to call contact us at!



    Miracle Home For Sale

    When we sell a home we donate a portion of our earnings to the Children's Miracle Network

    Another Miracle Home for Sale

    From RE/MAX and BGM Real Estate Team – Canada’s Housing Market Outlook for 2017



    The average residential sale price increased 13 per cent in Greater Vancouver to approximately $1,020,300 and rose 17 per cent in the Greater Toronto Area (GTA) to an estimated $725,857. Although demand remains high in both urban centres, limited inventory in the freehold market, the new 15 per cent foreign-buyer tax in Vancouver and the recent tightening of mortgage rules by the federal government are expected to soften market activity in the short term. In 2017, RE/MAX estimates average residential sale price will increase by two and eight per cent in Greater Vancouver and the GTA respectively.

    Regional markets in close proximity to Canada’s highest-price cities continued to experience steady interest from local move-up buyers and buyers from these cities (“move- over” buyers) who are looking to nd a balance between affordability and square footage. This year there were considerable year-over-year average price increases in Barrie (16 per cent), Hamilton-Burlington (20 per cent), the Fraser Valley (20 per cent) and Kelowna (14 per cent).

    Click to Read the Full National Summary

    The RE/MAX 2017 average residential sale price expectation for Canada is an increase of two per cent as Canadians continue to see home ownership as an important milestone as well as a good investment.



    The average residential sale price grew one per cent year-over-year, from $367,632 to $370,940. The number of sales between January and October rose to 13,834 in 2016 compared to 12,964 during the same period in 2015.  For more information, please call the BGM Real Estate Team at 613-558-8000!



    Striving for Excellence

    Downsizing – 10 Things to Ponder


    There are many life situations that may lead you to consider selling your current home and downsizing into a smaller one: Kids leaving for university, cashing in on a retirement plan, or the pressure of property upkeep. Whichever reasons you’re facing, make sure you’ve really done your homework before making any decisions. Here’s a list of 10 helpful hints to kick-start that conversation.

    1. Facing Finances

    Take a long, hard look at your financial input and output—especially if you’re on a fixed retirement income. If your savings aren’t substantial enough to constitute a “nest egg,” then tucking away the profits from the property may be the way to go. Downsizing may come down to finances but you should be able to show the evidence, one way or the other.

    2. Community Connections

    The costs of moving can go well beyond dollar bills. Consider your emotional wealth before taking any critical steps. Ask yourself, “Will this downsize take me away—intentionally or unintentionally—from the family, community and friendship supports I depend on or do I need new support systems for my physical, spiritual, medical and emotional well being?” Downsizing isn’t always about size and cents, sometimes it’s critical for your well-being.


    3. Real Estate Market

    Is your area a buyer’s market or a seller’s market? What can you hope to make on the sale? Finding the right real-estate agent to answer these questions is key. Ask friends and family members who’ve gone through similar transitions for referrals, and try to gather evaluations from two or three REALTORS® to ensure you’re getting a clear picture of the market.

    4. Independent Thinker

    Potentially selling the family home brings up a lot of emotions for everyone involved. Kids don’t want to see their childhood home go and family members are hoping for a chunk of change; it’s imperative that you seek out independent, unbiased advice. A REALTOR® can give you market feedback on your situation without any personal baggage.

    5. Home Maintenance

    Look at the work it takes to keep your current home clean, your garden weeded and your lawn maintained. It is too much to handle, or will it be in a few years? It’s best to downsize before it becomes imperative, because by then, a move will be even more physically challenging and emotionally draining.

    6. Lifestyle Limitations

    Maybe you feel a great wave of excitement at the idea of living near the ocean, or maybe the idea of leaving behind your veggie garden is too much. Moving comes with gains and losses, and you have to be prepared to give up certain aspects of your current lifestyle and adapt to new ones.

    downsizing questions
    7. Square Footage

    Think through your floor plan and look at different ways that square footage can be used. Can the kids’ old bedroom become a long-awaited art studio? Would the basement work as a private theatre? If you conclude that extra room is more hassle than it’s worth, maybe downsizing to a cozier home is for you.

    8. Property Payments

    Yearly taxes and property insurance payments can take a chunk out of a modest budget. Would those expenses be less if you downsized and lived in a different neighbourhood, on a smaller plot or in a more compact house?

    downsizing questions blog
    9. Be a Realist

    Think carefully about the realities of aging. Remaining in a family home as you age often means adapting your home and relying on the help of others. These things can come at a cost, both financially and emotionally. It’s important that you discuss your plans with any family members or friends that might be affected by your decision to downsize, and ensure everyone is in agreement with your plans.

    downsizing stressfree
    10. Don’t Rush

    Luckily, you already have a place to live, so take your time and assess all the angles before making such a profound decision. When you are ready to start looking, don’t rush into anything. Sit with your REALTOR® and write down criteria for must haves in your new place. When the time is right, you’ll know.

    For more information, or just to chat, contact us anytime at 613-558-8000, or visit our website at

    (courtesy of RE/MAX Integra)

    What to Expect as a Buyer this Fall

    fall buyer

    fall buyer

    Despite the fact that one of the hottest times of year for real estate appears when the spring flowers start blooming, that doesn’t mean the market is completely cool for the rest of the year for any buyer or seller. In fact, we are heading into a very popular time of year for prospective buyers and sellers across Canada. As some prepare for summer to come to an end, and others are busy with the back to school season, some Canadians are doing their research to find out what to expect as a buyer this fall.

    With the shorter days and cooler weather beginning to make an appearance, it is very clear that fall is on the way, and if you are one of the many entering the real estate market, you may be wondering what to expect. Fortunately, we have compiled the top things you need to consider as you begin your search for the perfect place to call home.

    What to Expect as a Fall Buyer


    Location, Location, Location & Weather: We all know it is all about location when it comes to finding your dream home, but before you find the right location, you need to consider the weather. Planning your search too late into the season may mean you are battling Mother Nature so the earlier you begin your search, the better.

    Timing is Key: Although your busy summer is winding down, you certainly aren’t working with a clear schedule. Between back to school and the holiday season, finding the perfect time to begin your search is imperative to your overall success and is something you should expect as a buyer this fall.

    Decision Time: Although there isn’t as much inventory as you would typically find in the spring, there are still many home to choose one which is why narrowing down your options can be challenging. Using these tips and our House Hunting Comparison Checklist will help when it comes time to make your decision.

    The Price is Right: As we get closer and closer to the holidays, you may begin to worry you are running out of time. With the added pressure, you may be tempted to make a decision by increasing your budget, but that will come back and haunt you in the long run. Make sure you plan your budget early in the buying process with help from our Monthly Home Budget Planner.

    Make the Move: If you got a head start on the fall selling season and are ready to make your move, we have just the thing you need as a Buyer. Getting home and organized before the holidays is your main goal, and this moving checklist will help you do just that as quickly and efficiently as possible.

    As we begin to see the leaves fall off the trees and the familiar sights and sounds of this beautiful season, these tips will be exactly what you as a Buyer need to find a new house to call home this fall.

    For more information about buying and selling homes – be sure to click through our website – You can also click the social media links to visit our Facebook page and YouTube channel.

    (Copyright © 2015 RE/MAX Ontario-Atlantic Canada Inc. All rights reserved)

    The F-word – FALL! Do this!

    It’s that F-word season again…FALL!

    Fall colours

    Fall colours

    Air conditioners are turned off, gardens are put to bed, leaves turn into colours that become so vibrant you have to stop and stare. Mornings and evenings are filled with smells that are unique to fall…a mix of earth, water and summer campfires smoldering to their winters end. Sometimes we are more like bears than we think…dreams of warm sweaters and comfortable flannel bring small smiles and feelings of hibernation…and maybe hot chocolate!

    BUT WAIT! 

    Fall Hand

    Before Fall becomes winter


    If you are anticipating a move, a relocation or a posting this coming 2017 APS, head on out to your front and back yards over the next week before fall officially begins and take some pictures of your green lawn, that pool you used all summer, the trees full of leaves, the flowers and gardens you spent hours tending to on your knees.

    You will thank yourself, and we will thank you too, when you list your house in the winter or spring when the pool is still covered, frozen or green, your grass is brown or snow covered, trees are bare… you get the picture!

    Fall photo

    Grab those fall shots before its too late

    Your summer and fall photos of the front and back of your yard will help to effectively market your home no matter how much snow is in the forecast! When we list your home in the “off” season it helps if we can show any prospective buyers how amazing your home looks in the spring and summer. It is particularly helpful in the dead of winter when buyers can’t even see the topography of your lot.

    This is your mission, should you choose to accept it. 🙂 Have fun and don’t forget to call us at 613-558-8000, email us at, visit our website if you are considering a move in 2017!

    Our New Home in the East End

    Coming Soon

    Here at BGM Real Estate Team we pride ourselves on the service we provide to our clients across the Ottawa region and especially the East end. We work from Carleton Place right through to Rockland. Now, we are proud to announce that we have a new home in the East End…a place for clients to visit, a place for us to coordinate our long days, a place close to the highway so we can get to all of you that much faster! We anticipate opening our new home in November 2016!

    East End location

    BGMs East End location 3B-2160 Montreal Rd.

    Blackburn sign

    While we service the entire city, we have worked just as hard to have an impact on the communities we live in. We are extremely fortunate to be the REALTORS® of choice for over 35% of the homeowners in Blackburn Hamlet, and we are now opening the office close to them so that we may continue not only our business service, but also our good citizen service to the community that has trusted us. We look forward to continuing our participation in Hockey Day in the Hamlet, the Blackburn Hamlet Fun Fair, the Cancer Chase and we look forward to new community participation…to be unveiled very soon!

    As we set our roots in Beacon Hill North in the East End of the city, our wish is to become as big a part of the community as we are in Blackburn Hamlet. (Laurie is very excited to be back in the neighbourhood she grew up in!) We have lots of ideas for the community and we would love to hear from any of you in the area that may have even more ideas! We will start with small offerings as we begin to offer our expertise, knowledge and caring to our neighbours. So….

    Big things coming to the East End!

    Big things coming to the East End!

    But if you really can’t wait…you can check us out anytime at or call us at 613-558-8000! We would love to hear from you.


    Contact Us

    Address:3B-2160 Montreal Road
    Ottawa, Ontario
    K1J 1G4


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