moira schulte-nordholt
When Covid killed my thriving catering business I spent a year walking around my neighbourhood in a daze. For a decade I had been serving the healthiest plant-based food to a growing clientele of office staff downtown Toronto. My business was my passion and my purpose. I loved nourishing people and being an integral part of some of Canada's fastest growing companies - and overnight it was over.
With no income, my Toronto mortgage became unsustainable so I started to explore options. That's when I discovered that Quebec City is one of the most affordable cities in Canada. I made a couple of reconnaissance visits and fell in love with the beautiful old town - its walkable streets, the charm of its people, the festive vibes and the incredible architecture. The language was a welcomed challenge.
I sold my small concrete condo in Trinity Bellwoods and purchased a smaller light-filled apartment in the UNESCO historic district of Old Quebec. It was magic. With the cost of housing in Quebec 60-70% lower than Toronto, even with less space, I had more breathing room. While housing in Canada goes bonkers I ask myself every day -
Why isn't everyone doing a version of this?
I've always been passionate about walkable, bikeable, liveable neighbourhoods and this journey has led me to wanting to serve people in new ways. I obtained my real estate license to help others looking to explore the upside of downsizing in TORONTO and COBOURG and beyond. Whether it's to move into a leafy garden suite or a LEED-certified laneway house, build a cute-as-a-button THOW in the burbs or acquire a cozy apartment in the heart of the city, in this climate I believe smart investments leave small footprints.
It's flipping time to talk tiny!
Toronto To Cobourg - Time To Make The Move?
I often use the word "soft" to describe Cobourg. It just has this energy of a soft place to land, especially if you're a burned out city person. Cobourg has the moniker "Ontario's Feel Good Town" and once you're here awhile you begin to understand. Cobourg Beach is beautiful at all times of the year, but for eight months off-season you can have it all to yourself. I take my coffee and my pup most mornings and meditate on the ever-changing moods of the lake and the watercolour horizon.
If you're a Toronto homeowner considering a lifestyle shift, investing in Cobourg can be an investment in a happier, healthier future. There are so many reasons to make the move but just to list a few beyond ease and beauty and stress relief:
1. Unlock Significant Equity
- Toronto real estate values remain among the highest in Canada.
- Selling a property in the GTA can free up substantial equity—enough to buy in Cobourg *and* still have money left over.
- Many clients use the extra capital to reduce debt, invest, or enhance their quality of life.
2. Enjoy a Higher Quality of Life
- Cobourg offers a relaxed, small-town feel with beautiful Lake Ontario views, beaches, and charming historic architecture.
- You’ll find walkable streets, friendly neighbours, and a strong sense of community.
- No more long commutes or high-stress city living—here, life moves at your pace.
3. Get More Home for Your Money
- In Cobourg, the same budget stretches much further.
- Whether you're after a character home, a modern build, or a lakeside property, options are more affordable and lots are spacious.
- Downsizing? Upsizing? Either way, you’re getting better value per square foot.
Whether you're planning to retire, work remotely, or just want a lifestyle refresh, I love helping people make smart moves. Your nervous system will thank you! Give me a call and let's make that happen!