By Barry Rueger
Published: Globe and Mail
June 19, 2025
1055 words
After two years of living in France, it was time for my wife and me to come home. She went first, to Nova Scotia, to look at houses for sale. After a week Susan phoned me, excited, and said, “This is it!”
My inbox was soon filled with videos, property descriptions, and photos of a 140-year-old farmhouse at Western Head, just outside Liverpool.
It was an old, charming and quirky home, with grey cedar shingles, a bay window, and a septic tank that needed to be replaced. It has a barn where I eventually hope to add a writing studio, and it has enough land for a serious garden to grow our own fruit and vegetables.
Built sometime around 1880, it was old enough that we knew it would have hidden problems, and even before we made an offer we could see that the roof needed to be replaced. The money-guzzling oil-burning furnace would also need to go, replaced by heat pumps, or, if our budget allowed, geothermal heating.
In Nova Scotia terms, we’re outsiders. Because we’re coming from “away,” we probably paid more than a local person would have, but the house is perfect for us, with room for books and records, an office and a grand piano. We can look out the windows and see the Atlantic Ocean and the lobster boats, and we can hear the foghorn at the Western Head lighthouse down the road.
Despite all of the shortcomings, we knew we had found our home. And somehow we never once asked ourselves: “But is it a good investment?”
The newspapers are full of Prime Minister Mark Carney’s plans for helping Canadians, especially young Canadians, to buy homes. The stumbling block always seems to be a concern that if governments support building more homes, the resale prices of existing houses will go down – that homeowners will lose equity.
What Mr. Carney is missing is that for most ordinary people, a house, or even a rented apartment, isn’t an investment opportunity – it’s a home. Nearly everyone that I have known has moved into their home with every intention of living there permanently. They repaint the living room and hallway because they like the new colour, and they spend weeks and years building the flower gardens because they love to look at them. They add decks, bird feeders, and lights at Christmas.
They aren’t doing this because they’re aiming to add to potential resale value; they’re making an ordinary house into their home.
Because our farmhouse in Nova Scotia is our home, we don’t really care about its market value. We didn’t buy our farm house to resell it; we bought it to live there, to watch the birds at our feeder, the occasional deer or raccoon, and to watch the family of snow hares that nests under our deck change their coats from brown to white as winter approaches.
We bought that house, and love that house, because the Atlantic sunrises are beyond beautiful, and the stars at night are breathtaking, and because when storms arrive they are like nothing we’ve ever experienced.
And when we get home after a trip, or shopping, or work, we walk in the back door and say, “Oh, it’s so good to be home.”
My parents bought their first house in 1966 in Kelowna, B.C., on Morrison Avenue. That was my home for six years, from grade three to high school. In 1972 we moved into a newly built house a few blocks away on Charolais Road. I lived there, in a bedroom with orange shag carpeting, until I left for university. My mom stayed in that house until after my father died in 1994. She then moved into a sweet little bungalow on Ziprick Road that was her home until she died in 2021 during the pandemic.
Three houses over 55 years. That wasn’t about making investments; it was about making a home.
We moved to Nova Scotia for one reason: Susan’s son Haruki, his wife Sofia, and our three grandchildren lived in another old wooden farmhouse, about an hour down the road, just outside of Shelburne. We really wanted to be close to our grandchildren, but also wanted our separate lives, so the distance between us was just right. Susan cooked holiday dinners, and I built a swing-set and slide in the yard.
Early one morning, just a few months after we finally had all of our furniture, books and sheet music unpacked, we received a distressing phone call. Haruki and Sofia’s house had caught fire during the night, and by morning had burned to the ground. The family escaped with little more than their laptops and the clothes they were wearing. Nearby neighbours brought food and bags of used clothing, and kept the children out of harm’s way.
Susan and I drove the children home to our house in Liverpool, while Haruki and Sofia, likely still in shock, watched the last of the firefighting. While we cared for the kids, their parents took the time to come to terms with what happened, and to try to plan for the coming days.
Our Liverpool farmhouse was suddenly home for seven people, not two. For our children our home was a place of refuge. Days were spent exchanging e-mails and phone calls with insurance companies, and making plans for … well, for starting over from scratch. We shared our home with their family until they decided to settle in Montreal for the summer while insurance rebuilt their house.
A home, a real home, isn’t an investment: It’s the place for family, the place that you know you can return to when your world falls apart. A home is where you hang your hat, and keep your family photos, and raise your children. It’s where kittens and puppies move in, live their lives under foot, and then pass away. It’s where your future and your past are preserved all around you, and where every room holds a memory.
I don’t believe that anyone buys a home thinking only of resale value, or the return on investment. You buy your home – or rent it, as is the case for a third of Canadians – because it’s the place where you feel safe, and where you expect to spend years, or decades, making it part of a wonderful life.
It’s been almost 10 months since we arrived in France with hopes of settling here for life. Sometimes it seems incomprehensible that we could have blithely sold up and closed down everything we had going on in Canada, and set off with two suitcases and a cat on a plane to a new life in a new country on a new continent—all taken on trust, sight unseen.
Fortunately, the French government also is very generous in helping homeowners improve both of these numbers. Depending on the project, the government will pay up to 100% of the costs of an upgrade, but the specific amounts depend on several factors. First, household income, and the number of people in residence. Unlike in Canada—where equivalent funding programs only look at how much is being spent—the funding available is much greater for homeowners with less income. Second, the extent of the improvement provided by the upgrade: Will your efficiency move from the bottom-most F or G levels to something in the middle, or will you reach the topmost A or B levels?