In this refreshingly real and inspiring episode of The Country Club Podcast, host Diana Cassidy-Bush dives into the dream—and the details—of cottage ownership in Ontario. Joined by cottage owner and mortgage expert Nicolee Evans from Laframboise Mortgage, this episode walks you through everything you need to know to make your lakefront dreams a financial reality.

From unexpected winter repairs to financing options for island-access properties, they cover the joys and challenges of recreational real estate ownership with honesty, clarity, and laughter. Whether you're dreaming of your first dock or planning your third, this episode is your ultimate guide to getting your docks in a row.

Timestamps:

00:00 – Welcome to the Country Club Podcast

01:10 – Listener Q&A: Conditional offers & getting your deposit back

02:45 – Setting the scene: Why cottage life is so magical in Canada

04:30 – Nicolee’s personal journey to cottage ownership

06:00 – The surprise realities of owning a recreational property

08:15 – Why a property manager might be a must

09:20 – Financing a cottage vs a primary home: What’s different?

11:10 – What lenders look for in cottage properties

13:30 – Affordability, alternative lenders & B-20 regulations

16:40 – Unique properties, HELOCs, and mortgage strategy

20:00 – The truth about Airbnb and short-term rentals

24:30 – Documentation & pre-approval tips to save your sanity

28:00 – Credit scores, mortgage partners & being prepared

32:00 – Why communication between your real estate team matters

33:50 – Top 3 tips before making an offer on a cottage

35:30 – The emotional & lifestyle value of a family retreat

38:00 – Cottage ownership as a long-term investment

40:30 – Nicolee’s advice to her past self: Take your time & do your research

42:00 – Final thoughts: Cottage life isn’t “set it and forget it”—but it’s worth it

Notable Quotes:

"Get your docks in a row. It's not just a clever saying—it’s the smartest thing you can do before diving into cottage ownership." – Diana Cassidy-Bush

"Eyes wide open: that’s how you make smart, soulful real estate decisions." – Nicolee Evans

"The goal isn’t just to qualify. The goal is to sleep at night knowing the property enhances your life, not burdens it." – Nicolee Evans

Resources & Takeaways:

Key Takeaways:

• Be Realistic About Financing: Secondary properties often require a bigger down payment and different lending rules. Speak to a mortgage pro early.
• Plan for Property Maintenance: Seasonal wear-and-tear, distance, and utility quirks are all part of cottage ownership.
• Know Your Lending Types: From A-lenders to B-lenders to private financing and HELOC strategies, the structure can make or break your deal.
• Don’t Rely on Rental Income: Airbnb income can’t always be counted on for financing and adds layers of complexity with insurance and zoning.
• Start the Conversation Early: Your mortgage and real estate team can help you build a plan—even if you're not ready yet.

Learn more: https://www.laframboisemortgage.ca/

Connect with Diana Cassidy-Bush:

Facebook: https://www.facebook.com/DianaCassidyBushRealEstate/

Instagram: https://www.instagram.com/dianacassidybush

Linked In:

Thinking about buying a cottage? Before you dive headfirst into lake life, this episode of The Country Club Podcast is your essential pre-purchase checklist. Host Diana Cassidy-Bush walks you through 9 must-ask questions to clarify your vision, assess your needs, and align your dreams with your budget and lifestyle.

From lake types to accessibility, seasonal use to investment strategies — this candid and heartwarming episode will help you start your journey with confidence. If a peaceful dock, cozy firepit, or epic tubing sessions are on your vision board, this is the episode for you.

Timestamps

00:00 – Welcome to The Country Club Podcast

01:15 – Why a financing condition still matters even with pre-approval

02:30 – Cottage dreams & why Canadians are craving waterfront living

04:00 – The real reason lakefront lots are in such short supply

05:15 – Question 1: What kind of water activities matter to your family?

08:00 – Question 2: How far are you willing to travel from home?

09:00 – Question 3: What’s your realistic budget?

09:45 – Question 4: Do you need a 4-season or 3-season cottage?

10:30 – Question 5: How accessible should the cottage be year-round?

11:45 – Question 6: What kind of views and terrain do you want?

12:45 – Question 7: What local amenities matter to you?

13:45 – Question 8: What does the ideal cottage interior look like?

15:00 – Question 9: Are you buying for family, retirement, or rental income?

16:15 – Wrap up: Why clarity is the first step to living your lakefront dream

Notable Quotes

“Most every waterfront property you see already has a structure on it. Finding a true building lot on the water is incredibly rare.”

“Cottages aren’t just properties—they’re part of our national identity.”

“It’s not about what’s trendy or what your neighbor has. It’s about defining your version of lake life.”

“Keep your paddles in the water and your dreams on the dock.”

Key Takeaways & Resources

• Supply is Limited: Most lakefront land was developed decades ago, so building lots are rare.
• Lifestyle First: Decide on boating, paddling, fishing, or peace and quiet — it defines your lake options.
• Access Matters: Think year-round roads vs. seasonal accessibility and how that impacts use.
• Budget Realism: Cottage dreams range wildly in price depending on region, size, and features.
• Multi-Use Options: Buy for family time, retirement, or as a rental investment — each path has pros and cons.

Resource Mentioned:

• Royal LePage Recreational Property Survey (Spring) – Cited to note the forecasted 4% price increase in recreational properties.

Connect with Diana Cassidy-Bush:

Facebook: https://www.facebook.com/DianaCassidyBushRealEstate/

Instagram: https://www.instagram.com/dianacassidybush

Linked In: https://www.linkedin.com/in/diana-cassidy-bush-aa2318b6/

YouTube: https://www.youtube.com/@dianacassidy-bush2027

Website: https://dianacassidybush.ca/

Email:

Buying your first home can feel overwhelming—but it doesn't have to be. In this episode of The Country Club Podcast, host Diana Cassidy-Bush walks listeners through the entire home buying journey, from shifting the negative narrative around ownership to the final walkthrough and key hand-off. With practical tips, expert insight, and an empowering mindset, Diana ensures you’re not only prepared, but inspired to take the first step toward homeownership. Whether you're ready now or planning for the future, this episode gives you the knowledge and confidence to move forward.

Timestamps:

[00:00] Welcome to The Country Club Podcast & Episode Intro

[01:00] Changing the Narrative Around Homeownership

[03:00] Why Real Estate Is Still the Best Investment

[04:30] Facing Obstacles with the Right Team

[05:45] The Importance of Preparation—even Years in Advance

[06:30] Step 1: Choose a Real Estate Professional

[07:15] Step 2: Connect with a Lender & Get Pre-Approved

[08:30] Step 3: Set Up Home Search with Your Realtor

[09:00] Step 4: Viewing Homes & Making an Offer

[10:00] Understanding Conditions: Financing, Inspections & Insurance

[11:30] What to Expect During Offer Negotiation

[13:00] Firming Up the Sale & What Happens Next

[14:30] Preparing for Closing: Lawyers, Insurance, Utilities

[16:30] Final Walkthrough & Closing Day Logistics

[17:30] Recap, Encouragement, and What’s Ahead

“Real estate really is the best investment in the world. Why? Because we all need shelter.”

“Every market has obstacles—but they’re temporary. With the right team, you can face anything.”

Connect with Diana Cassidy-Bush:

Facebook: https://www.facebook.com/DianaCassidyBushRealEstate/

Instagram: https://www.instagram.com/dianacassidybush

Linked In: https://www.linkedin.com/in/diana-cassidy-bush-aa2318b6/

YouTube: https://www.youtube.com/@dianacassidy-bush2027

Website: https://dianacassidybush.ca/

Email: info@thedcbteam.ca

This podcast is for educational purposes only - real estate isn’t one-size-fits-all! Every deal, market, and situation is unique, so be sure to get professional advice tailored to your needs. If you’d like to discuss your real estate journey, we’d love to chat - reach out anytime. Thanks for listening!

In this episode of The Country Club Podcast, host Diana Cassidy-Bush welcomes mortgage expert Alana DeLong from Dominion Lending to demystify the journey of becoming a first-time home buyer. With over 30 years of experience, Alana shares invaluable insights on how to financially prepare, what programs are now available in 2025, and the crucial do's and don'ts before purchasing your first property. If you're dreaming of homeownership this year, this episode is packed with practical advice, optimism, and the motivation to take that next step.

Connect with Alana https://alanadelongmortgageteam.com/

Timestamps:

[00:00:00] Introduction

[00:02:40] Alana’s background and experience

[00:03:45] The resurgence of first-time home buyers in 2025

[00:04:30] Step one: Why pre-approval is critical

[00:05:45] Financial habits to build before buying

[00:06:30] What if you’re not ready yet? Alana’s guidance

[00:07:45] Mistakes to avoid after pre-approval

[00:08:30] Budgeting for homeownership and unexpected costs

[00:09:30] New 2025 programs and benefits for first-time buyers

[00:10:45] Land transfer tax exemption details

[00:12:00] Insight on current and predicted interest rates

[00:13:45] Fixed vs. variable rates explained

[00:15:00] Impact of inflation and tariff talk on rates

[00:16:00] Renewals, refinancing, and managing credit

[00:17:30] The emotional side of helping first-time buyers

[00:18:15] Final advice and why it’s never too early to start

[00:20:00] Ways to get creative with qualifying for a mortgage

Notable Quotes:

"Don’t go house shopping without a mortgage pre-approval—it’s like showing up at the airport without a plane ticket." – Alana DeLong

"Just because you're not ready today doesn’t mean you can’t start preparing for tomorrow." – Diana Cassidy-Bush

Resources & Mentions:

• First Home Savings Account (FHSA): Government of Canada FHSA Overview
• CMHC Mortgage Insurance Info: https://www.cmhc-schl.gc.ca
• Ontario Land Transfer Tax Refund for First-Time Homebuyers: https://www.ontario.ca/page/land-transfer-tax
• Credit Building Tips: Contact a local financial advisor or Alana DeLong for guidance on secured credit cards and budgeting

Connect with Diana Cassidy-Bush:

Facebook: https://www.facebook.com/DianaCassidyBushRealEstate/

Instagram: https://www.instagram.com/dianacassidybush

Linked In: https://www.linkedin.com/in/diana-cassidy-bush-aa2318b6/

YouTube: https://www.youtube.com/@dianacassidy-bush2027

Website: https://dianacassidybush.ca/

Email: info@thedcbteam.ca

This podcast is for educational purposes only - real estate isn’t one-size-fits-all! Every deal, market, and situation is unique, so be sure to get professional advice tailored to your needs....

In this debut episode of The Country Club Podcast, host Diana Cassidy-Bush dives into the power of goal setting and how turning dreams into actionable steps can lead to success. Whether you're planning to buy a home, invest in real estate, or make a life change, setting clear goals is the key to making it happen. Diana shares proven strategies for identifying goals, creating action plans, and staying motivated. From the importance of writing down your goals to overcoming common obstacles like fear and procrastination, this episode is packed with inspiration and practical advice to help you achieve your aspirations.

Timestamps:

[00:00:00] – Welcome to The Country Club Podcast: Introducing the show and its focus on rural living, real estate, and lifestyle.

[00:02:00] – The power of goal setting: Why some people achieve their dreams while others struggle.

[00:03:00] – Defining goal setting: Applying it to different aspects of life.

[00:04:00] – The importance of writing goals down: Research-backed insight on how it increases the chances of success by 42%.

[00:05:00] – Creating an action plan: Steps to move towards your goal effectively.

[00:06:00] – Practical strategies: How to stay committed and make progress.

[00:07:00] – Overcoming obstacles: How to tackle fear, procrastination, and comparison.

[00:08:00] – Inspirational quotes and motivation: Words of wisdom from successful figures.

[00:09:00] – Homework challenge: Writie down one goal and takie the first step.

[00:10:00] – Closing thoughts and encouragement: Stay consistent, keep moving forward, and subscribe for more inspiring conversations.

Notable Quotes:

“You don’t need to see the whole staircase; you just need to take the first step.” – Martin Luther King Jr.

“Winners are not people who never fail, but people who never quit.”

“To be successful at anything, the truth is you don’t have to be special. You just have to be what most people aren’t—consistent, determined, and willing to work for it.” – Tom Brady

“Tell me, what is it you plan to do with your one wild and precious life?” – Mary Oliver

Connect with Diana:

Facebook: https://www.facebook.com/DianaCassidyBushRealEstate/

Instagram: https://www.instagram.com/dianacassidybush

Linked In: https://www.linkedin.com/in/diana-cassidy-bush-aa2318b6/

YouTube: https://www.youtube.com/@dianacassidy-bush2027

Website: https://dianacassidybush.ca/

Email: info@thedcbteam.ca

This podcast is for educational purposes only - real estate isn’t one-size-fits-all! Every deal, market, and situation is unique, so be sure to get professional advice tailored to your needs. If you’d like to discuss your real estate journey, we’d love to chat - reach out anytime. Thanks for listening!

 Welcome to The Country Club Podcast - not the kind with dress codes and tee times - this is a different kind of country club.

One where home, community, and opportunity come together. I'm Diana Cassidy-Bush and I'm so happy that you're here. My purpose is to empower you to make informed decisions, whether you're buying, investing, or dreaming of life beyond the city limits.

As we know, life is busy, messy, and uncertain at times and there's so much noise out there. I wanted a space to be able to connect with people to share valuable information to help guide them through some of the most important financial decisions they will ever make in a safe and no pressure space.

Are you searching for the perfect home, looking for a recreational property, or ready to invest in country real estate? This podcast is for you. Each episode will break down everything from finding the right property. And understanding the market to making strategic investment moves that set you up for success.

You'll hear expert insights, real life success stories, and practical advice to help you live, play, and invest with confidence. In real estate and in life, it's more than about just buying property. It's about making the right moves, seizing opportunities and building a future that you love. So grab a coffee, pull up a chair, and let's talk about turning your lifestyle dreams into reality.

Welcome to The Country Club Podcast, where we're here empowering you to win.

Subscribe now to The Country Club Podcast with Diana Cassidy-Bush on your favourite podcast platform and let's start building your future together.

Connect with Diana Cassidy-Bush:

Facebook: https://www.facebook.com/DianaCassidyBushRealEstate/

Instagram: https://www.instagram.com/dianacassidybush

Linked In: https://www.linkedin.com/in/diana-cassidy-bush-aa2318b6/

YouTube: https://www.youtube.com/@dianacassidy-bush2027

Website: https://dianacassidybush.ca/

Email: info@thedcbteam.ca

This podcast is for educational purposes only - real estate isn’t one-size-fits-all! Every deal, market, and situation is unique, so be sure to get professional advice tailored to your needs. If you’d like to discuss your real estate journey, we’d love to chat - reach out anytime. Thanks for listening!