Stay ahead of the latest trends with all things cottage related in our new Waterfront Insight Series. We bring you answers to the latest client questions and highlight themes we’re seeing in waterfront design, interiors and lifestyle. Scroll onward to find out "What do I do with my Fireplace Ashes"? and How does the "Canada Non Resident Speculation Tax Affect Me"? 

What do I do with my Fireplace Ashes?

Mark & Susan recently helped friends purchase a True North lakeside log home with a spectacular fireplace that not only creates warmth and ambience but plenty of ashes. Shortly after taking possession last fall they asked us, “what do we do with all these ashes?” Answer: Contact the Friends of Muskoka Watershed regarding the AshMuskoka Project! 

Through multiple phases of applied research, the Friends of Muskoka Watershed has established the viability of using wood ash to replenish declining calcium levels thereby improving threatened watershed health. In addition to coordinating the collection and distribution of 9.2 tonnes of ash and related research, Friends of the Muskoka Watershed has now launched the Citizen Science Program giving residents of Muskoka an opportunity to be a part of both ongoing research and solutions.

The aim of the Citizen Science Program is to improve our collective understanding of using wood ash to improve soil quality and associated forest vitality by adding more Muskoka properties to the program. The FMW is seeking property owners whose properties have areas that contain native tree species. They are also encouraging camps, community groups, municipalities, and any group or individual with permission to safely access an appropriate tree area to get involved. 

So not only can Friends of Muskoka Watershed help you with your fireplace ashes, you and your family can now participate in a valuable science based research project that benefits you and our whole community. Find our more at the Friends on the Muskoka Watershed website or contact Katie at | 705-646-0111 or Tim at | 705 640-0648.

Looking for more waterfront insights? Have a cottage question that you would like featured in our next blog? Send it along to

How does the Canada Non Resident Speculation Tax Affect Me?

For our global, non resident Canadian clients, we highly recommend that you obtain tax advice as part preparing for a property sale or purchase here in Canada and certainly prior to entering into an Agreement of Purchase and Sale. With the substantial rise in property values, governments throughout affected regions world wide are under presssure from their domestic audience to address the issue with various policy initiatives. 

Effective March 30th 2022, all purchases of residential property by non-residents of Canada, will be subject to a 20% Non-resident speculation tax, payable by the buyer on closing, in addition to Land Transfer Tax. There are certain exemptions, but the speculation tax was not previously applicable to the Kawartha Lakes, Haliburton, Muskoka or Parry Sound. This is a substantial tax based on the purchase price. For example, if the purchase price is $3,000,000.00, the non-resident speculation tax payable will be $600,000.00, in addition to land transfer tax of $61,475.00, at the time of closing. Any agreements signed prior to March 30th, 2022 will not be subject to this tax.

To learn more please speak to your accountant, or refer to the Ministry of Finance  If you need help finding a Canadian accountant to serve you here in the Kawartha Lakes, Haliburton or Muskoka, please contact us . 



By Mark Benson & Susan Benson

Stay ahead of all things lakeside in our Waterfront Insight Series. Everyone knows they need to have financing and a list of priorities in place before buying, but what do current cottage owners say they most appreciated knowing before they bought. We polled a selection of our seasoned cottage owner clients and asked them to help us formulate 3 critical questions that, to ensure long term enjoyment, every cottage buyer should ask before they buy.

What about convenience?

Figure out how far you’ll have to travel for everyday kit like groceries. Where’s the liquor store? Marina? Gas station? Being close to amenities isn’t important for everyone, but it can be a time saver for you and impact the feel of a cottage area. 

Do a dry run of your commute home at the busiest times. Does your schedule allow you to be flexible with your commute? Figure out how far you are from a major highway or the Muskoka,  Haliburton or Lindsay airport. How easy is it to get there?
Increasingly, many of us are working from home. Are you thinking about working from your cottage?   Be sure to check on internet access if this helps extend your time at the place you really want to be.


Any waterfront development coming to the area?

For some, there is nothing more disheartening than learning that the unobtrusive little cottage next door is being demolished and rebuilt to its full lot development potential – possibly including multiple slip boathouse with accommodation, helicopter pad, tennis court and a year round retreat of significant proportions.  This could be exactly what you are looking for. Regardless, your property search should include an understanding of the development possibilities for the property you are considering and vicinity before you buy.
Development, rezoning and official plan amendments can change the personality of a lake or river while increasing taxes, traffic and potentially value. Your Realtor® will help you look for new construction in the area, check with local municipalities for planned developments and new facilities.  We highly recommend joining organizations like the Muskoka Lakes Association as one way to keep on top of the land use and water quality issues throughout Muskoka – you can even start with a 90 day free trial. We also suggest District of Muskoka Mapping as a means to check out proposed developments as well as general topography and zoning for Township of Muskoka Lakes, Bracebridge, Gravenhurst, Huntsville, Lake of Bays and Georgian Bay Township. Be sure you select a Realtor® with the local expertise and connections to assist you in assessing current permitted development on the property you are considering and vicinity.

Is this a financial or lifestyle choice?

Cottage values tend to hold their value over time and with an increasing number of buyers making this option their permanent home we expect this to continue.  That said, we highly recommend that you add up all the costs of multiple home ownership including taxes, utilities and maintenance, plus some money for the unexpected. This will help you with a starting point as you deliberate whether this is about financial or lifestyle considerations. Know that there will be unexpected expenses – and don’t skip out on the home inspection as part of your due diligence as this will help quantify, though not eliminate, the unforeseen.  Balance this against the considerable value derived from life long friendships, seamless multi-generational family bonding and lifestyle. Others point out that money invested in an asset that also provides tangible enjoyment is not to be underestimated. While rental options can help offset expenses your Realtor should help you understand the rights and obligations to the community you are considering.
In closing, our cottage owners know - finding people and surroundings that you like is just as important as spending time in a cottage that you love. So, talk to a Realtor® who comes highly recommended and is experienced in the area you’re interested in, do your research, and you will find the fit for your needs and your lifestyle for the long term.


If you are ready to learn more about investing in cottage country real estate LET'S SET UP A TIME TO CHAT (Susan Benson and Mark Benson)   

The Cottage: Raised Vegetable Beds

Mark Benson & Susan Benson

 Building a raised vegetable garden in Ontario cottage country.
The Raised Vegetable Garden 

Stay ahead of the latest trends with all things cottage related in our Waterfront Insight Series. During this COVID-19 inspired hiatus from life as we knew it spring conversations have centred around just what exactly we have all been doing here in Cottage Country. The hottest spring activity seems to be; the raised garden bed.

Raised gardens are ideally suited for cottage country locations such as Muskoka, Parry Sound, Haliburton and Kawartha Lakes terrain or anywhere that nutrient rich soil is in short supply. They help lengthen our growing season by easily converting the bed into a cold frame in spring and fall. Plus, being elevated also deter weeds, disease and some wildlife.

When I called my friend Martha on Lake Rosseau to learn more about how she ordered online groceries I learned that she too was considering this gardening technique. Meanwhile, my friend Liane, former Upper Canadian Kawartha Lakes cottager and now Newfoundlander, had the same idea which she is implementing on the Rock.

When all was said and done, Martha decided to online order a stock tank from Home Hardware to use as her raised bed. Liane is opting to pull out every vessel she can find to create a most wonderful hodge podge container garden. As we had some lumber left over from another project, we elected to try building a raised bed and found lots of building options with a quick web search. Martha also sent me initial ideas for raised bed vegetable garden layout ideas, as a first great step on our gardening adventure.

We started by selecting an area with maximum sun exposure and then levelled the rocky ground with a layer of gravel. The boards and corner posts are now cut and ready to put together. Chicken wire, intended as an added wildlife deterrent, is on order from Home Hardware and will be ready for pick up. It should be noted that the local purveyors of Home Hardware earn zero revenue from on line orders. So, to support our local entrepreneurs – call in your order by phone directly to the store and arrange curb side pickup. Normally raised beds don’t require a bottom, but because this will be located about 3cm shy of bare rock, we will be lining our raised bed with plastic to hold the soil in place. We will also pierce a few holes along the bottom centre so that we allow for appropriate drainage. As for top soil, Martha plans to buy some from a local farmer friend and top it with GrowMix from Windermere Garden Centre. Much of ours will come from well composted leaves, kitchen scraps together with ashes from our wood stove and a topping of bagged soil. We signed up for the OSC Ontario Seed Corporation newsletter where we will be buying seeds direct to augment our saved seed supply.

Stay tuned for periodic updates to learn how Martha’s, Liane’s and our gardens, each grow over the course of the season. Any helpful ideas you’d like to share along the journey would be most welcome too! Make sure to follow us on Facebook!


The Cottage: The art of curating and displaying cottage objects.

By: Susan Benson and Mark Benson

Stay ahead of the curve with all things cottage related in our new Waterfront Insight Series, which brings you analysis on the themes we’re seeing in waterfront design, architecture, interiors and lifestyle. 

Here, we investigate the art of curating and presenting storied objects at the cottage including sculptures, paintings, furniture, old tea cups and driftwood. 

If there is a given at the family cottage, it is that objects are abundant. So, as we emerge from the relentless age of decluttering we focus this issue on the placement of art, finds and furniture to create a fresh, new look.

Driftwood retrieved from the woodpile. Paul Bennett Photography.

The modest act of curating and then thoughtfully mixing and placing treasures contributes to the unique feel of a timeless refuge and your bond with it.  This is no more true than at a lakeside cottage or home. Poking around the old workshop or boathouse and in the back corners of the cottage can reveal objects that have accumulated for years and, that when presented in a different way, can create an entirely new vibe.  

Well known Kawartha Lakes artist Elizabeth Barrett has spent a lifetime collecting and displaying a mix of visuals in her Sturgeon Point home and studio. “I have liked the concept of bringing nature into our home through the use of plants, shells, stones and driftwood which I have found outside. Living in a natural space and loving nature I have used these natural objects to enhance different spaces around the house.” The design objective is “placement of paintings, sculptures, artifacts of nature are placed throughout according to design, colour and a feeling to create a focus in a room.”

Lead designer Chris Van Lierop of Home by Tim & Chris, a full service design company in Fenelon Falls, has lent his expertise to many a summer home and points out that “the cottage is a special place where lifelong memories are formed in a casual setting.” We see this with Elizabeth’s thoughtful placement of a model ship created summers long ago by her father in law Flavelle Barrett.

Model ship built by Elizabeth Barrett’s father in law. Paul Bennett Photography.

As Chris Van Lierop suggests, “at the cottage we think of art and objects from a more holistic perspective than we would a city house. Art and sculpture that remind us of our place – free forms, landscapes, natural sculpting materials not meant to challenge or compete for our attention help give us visual clues to our setting.” A visit to Chris & Tim’s Colbourne Street Gallery brings home the point and even as we were shooting photographs for this article a collection of Elizabeth Barrett’s paintings was being prepared for a new home.

Spring Tulips by Elizabeth Barrett. Paul Bennett Photography.

Van Lierop advises that “art is as important as framed window views. We never want exterior views and art to compete for our vision, but to form a natural 360 degree surround.”

Elizabeth Barrett references the importance of space and placement within her lakeside home. “The high semicircular opening in the wall with direct lighting was architecturally created to enhance the viewing of special art pieces. The bird sculpture was placed there to complement the semi circular design connection with the circular pattern of the opening of a bird’s wings before taking flight.” Other sculptures can be used to change up the overall composition and look.

Sculpture by Elizabeth Barrett. Paul Bennett Photography.

Could you gather up all your old tools, tea cups, vases or fishing gear and display them in a new way whilst embracing the chips and imperfections that come with age? Elizabeth draws our attention to the repurposed antique cabinet in the kitchen. “This was a display case from Kent Florists in Lindsay. The items I’ve placed on top of it, such as the teapot, a tea cup, that was my mother’s and the painting above it were all placed together because of the varied shades of burgundy tones in each of the items. This grouping creates a colour interest and focus to that corner of the room.”

Antique corner shelf repurposed. Paul Bennett Photography.

Don’t be afraid to sell off or store pieces that you will never use. A local consignment store like GR8 Finds in Fenelon Falls or the Red Rock Antiques in Bobcaygeon is an ideal place to lose as well as find other more appealing pieces.

After you have decided on the smaller pieces and cleaned out at least a few things you don’t want, take another look. Is there some older furniture that could serve as a means to tie your renewal together? Lisa Vehrs of Recovered Treasures Upholstery in Fenelon Falls has seen her business steadily grow and puts this down to a solidifying trend away from buying everything new and instead holding a place of reverence for older, quality pieces. When it comes to giving a fresh twist to things she points out, “you can achieve this without having to replace your beloved pieces that are comfortable but dated.  The look of a sofa or chair can be updated by removing/changing skirts, modifying the style of the arms, adding or removing cushions, or any number of other customizations to achieve the desired aesthetic.” 

Vintage family wicker refinished. Paul Bennett Photography.

Once you have arranged all of the older and existing treasures the next step is to decide what new pieces will complete the feel you are looking for. A lakeside cottage is the sum of memories, generations of storytelling, found objects and vintage pieces each added over time, endlessly enriching the ambiance.  Chris Van Lierop helpfully sums up, “from views through the trees to the lake, a beautifully sculpted fireplace, floors specifically chosen for the spaces or a sculpture placed at the perfect spot to give us perspective, when we can accomplish harmony between elements such as these, we have found our place.”