As home design trends continue to shift toward warmth and personal expression, 2026’s leading paint colours offer a refreshing break from the cool, minimalist palettes of recent years. This year, we’re seeing a strong return to earthy neutrals, rich jewel tones, and nature-inspired hues, colours that evoke calm, sophistication, and depth. 

Whether you’re planning a full home refresh or looking to add modern accents, these trending shades are designed to bring style and balance to any space.

Pantone: Cloud Dancer (11-4201)

Soft, serene, and effortlessly adaptable, Pantone’s 2026 Colour of the Year brings a gentle clarity to interior spaces. Its warm undertone sets it apart from cooler whites, offering a subtle elegance that pairs beautifully with both muted earth tones and bolder accent colours. In living rooms, it creates a light, open atmosphere that enhances natural light and evokes a sense of calm. 

In kitchens, it creates a clean, refined look, especially when used on cabinetry or walls alongside wood finishes or brushed metal accents. This shade’s versatility makes it an ideal choice for creating interiors that feel both fresh and timeless.

Behr: Hidden Gem (N430-6A)

Rich and quietly bold, this refined blue-green brings a sense of depth and tranquility to interiors. With its smoky, jewel-toned quality, this shade offers versatility across a range of design styles – from modern minimalism to classic comfort. It makes a striking statement on walls or cabinetry, especially when paired with warm neutrals, natural textures, or soft metallic finishes. Whether used as an anchor in a monochromatic palette or as a sophisticated contrast to lighter tones, it adds character while maintaining a sense of calm.

Sherwin-Williams: Universal Khaki (SW 6150)

Universal Khaki is a warm, earthy neutral that embodies timeless simplicity and effortless versatility. This mid‑tone tan carries gentle undertones that bridge beige and green, giving it a balanced warmth that works beautifully in a wide range of settings. It’s designed to serve as a reliable foundation hue that enhances both modern and classic interiors, creating a calming backdrop that pairs well with natural materials like wood and stone as well as richer accent colors.

Benjamin Moore: Silhouette (AF-655)

Drawing from a renewed appreciation for craftsmanship and timeless style, Benjamin Moore’s Silhouette is a deep, sophisticated neutral that blends rich espresso tones with subtle charcoal undertones, creating a hue that feels both refined and grounded. It was inspired by classic tailored suiting and the enduring appeal of well‑made wardrobe staples, resulting in a colour that brings warmth and quiet elegance to interiors without overwhelming them. 

Whether used to anchor a living room, add depth to cabinetry or create contrast with lighter accents, this versatile shade integrates seamlessly into contemporary and traditional spaces alike, and is complemented by a curated 2026 palette designed for layered, harmonious looks.

Valspar: Warm Eucalyptus (8004‑28F)

This naturally restorative green is grounded in warm, muted tones that evoke both comfort and tranquility. Inspired by vintage palettes and outdoor influences, this soft green strikes a balance between serene sophistication and timeless appeal, making it flexible enough for full‑room applications or accent details. Whether used to color‑drench a bedroom for a calming retreat or refresh cabinetry in living spaces and kitchens, Warm Eucalyptus brings a sense of nostalgia and harmony that aligns with a growing desire for more intentional, nature‑rooted design.

Glidden: Warm Mahogany (PPG 1060-7)

For 2026, Glidden’s featured hue reflects a shift toward richer, more expressive colour in interior design, embracing warmth and personality over cool minimalism. This deeply saturated red‑terra tone brings a sense of comfort, depth, and timeless expression to rooms, making it suitable for spaces where connection and character matter, from cozy dining areas and intimate living rooms to accent walls that anchor a scheme. It pairs beautifully with natural textures like wood and leather, as well as soft metallics, providing both a dramatic focal point and a grounded backdrop that works with a broad range of décor styles.

Buying a home is one of the biggest financial decisions you’ll ever make, and preparation can make all the difference. Before you start booking showings or scrolling listings late into the night, taking a few key steps upfront can help you shop with clarity, confidence, and a competitive edge.

In a market where inventory can be limited and competition can increase during the peak spring season, being prepared isn’t just helpful – it’s strategic. Here’s how to set yourself up for success before you begin your home search.

Start with a clear wishlist

Before looking at homes, take time to define what you actually need versus what would simply be nice to have. Create a list and rank your priorities.

Consider the essentials first:

• Number of bedrooms and bathrooms

• Parking requirements

• Layout preferences (single-level vs. multi-level, open concept vs. defined spaces)

• Accessibility needs now and in the future

Then think beyond the walls of the home:

• Proximity to work, schools, parks, restaurants, or transit

• Access to community amenities or places of worship

• Commute times and lifestyle fit

Be honest about what you’re willing to compromise on and what’s non-negotiable. This clarity will save time and reduce frustration later.

Narrow down the right neighbourhoods

Where you live matters just as much as the home itself. One of the biggest decisions buyers face is choosing the right neighbourhood, and in some cases, affordability may require flexibility.

If your preferred area is out of reach, expanding your search to nearby neighbourhoods or emerging communities can open up new options. A real estate professional can help identify areas that align with both your lifestyle priorities and your budget.

Find the right real estate agent early

While online listings are a great starting point, there’s no substitute for working with an experienced real estate professional. The right agent brings deep local market knowledge, negotiation expertise, and guidance through every step of the process.

They can:

• Help refine your search based on real-time market conditions

• Flag opportunities and potential concerns you might miss

• Guide you through offers, conditions, and timelines

• Assist with selling your current home, if applicable

Finding an agent early means you’re not navigating these decisions alone.

Build a realistic budget

Before committing to a price range, take a close look at your full financial picture. This goes beyond what a lender may say you qualify for.

Factor in:

• Monthly mortgage payments

• Property taxes and utilities

• Insurance and ongoing maintenance

• One-time costs like closing fees, land transfer taxes, moving expenses, and potential renovations

• Other regular debt repayments, such as car and student loans

• Contributions to RRSPs, RESPs and other long-term savings plans

• Your lifestyle and the expenses that come with it, such as childcare, pet care, vacations, and discretionary spending

The goal is to feel comfortable – not stretched – once the purchase is complete.

Get pre-approved for a mortgage

Mortgage pre-approval is one of the strongest tools you can have as a buyer. Once you know your down payment amount and monthly comfort level, a mortgage professional can provide a written pre-approval outlining what you can afford.

This step:

• Clarifies your true buying power

• Helps you act quickly when the right home appears

• Strengthens your offer in competitive situations

• May reduce or eliminate the need for a financing condition

In fast-moving markets, a pre-approval can be the difference between securing a home and missing out.

Buying a home starts long before your first showing. By getting organized, building the right team, and understanding your priorities and finances upfront, you will be in a much stronger position to succeed.

Ready to begin your homebuying journey today? Connect with Jean and Shelly today to get started. 

Jean and Shelly - Your Family Real Estate Team

Jean - 250-490-6093 & Shelly - 250-488-4247

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Yesterday, in its first announcement of 2026, the Bank of Canada opted to hold the target for the overnight lending rate at 2.25%. This marks the second consecutive hold to interest rates.

Ongoing United States trade restrictions and geopolitical uncertainty continue to weigh on Canada’s economic growth and dampen consumer confidence. At the same time, inflation has remained relatively stable, giving the Bank of Canada room to maintain its current policy stance. Holding interest rates steady reflects a cautious approach as the Canadian economy adjusts to evolving economic conditions, balancing the need to support growth while keeping inflation firmly under control.

“The Canadian economy is adjusting to the structural headwinds of US protectionism. Businesses are reconfiguring supply chains and investing in new markets. We also expect to see some reallocation of capital and workers as new opportunities open up. This restructuring, including more diversified trade and a more integrated internal market, will support some recovery in our productive capacity. But it will all take some time,” said Tiff Macklem, Governor of the Bank of Canada, in a press conference with reporters following the announcement.

“Monetary policy cannot compensate for the structural damage caused by tariffs, and it cannot target hard-hit sectors of the economy. But it can play a supporting role, helping the economy through this period of structural change, while maintaining inflation close to the 2% target.”

Canada’s Consumer Price Index (CPI) rose 2.4% year over year in December, up from 2.2% in November, largely due to the federal government’s GST/HST holiday tax break that ran from December 2024 through February 2025, a temporary factor that distorted year-over-year comparisons. Meanwhile, the unemployment rate held steady in December, following three consecutive months of employment gains in September, October and November.