Tan•gazine December 2015 - January 2016 Vol 04 Issue 07

December 2015 - January 2016 Volume 04 Issue 07

CHECK OUT PAGE 15: TANTEAM Featured Listing Stunning Custom Built Executive 4BDRM Detach

http://www.tanteam.com/ROEG1 for more information!

P e e l | H a l t o n | H a m i l t o n | To r o n t o | Yo r k | W e l l i n g t o n | D u r h a m | D u f f e r i n | S i m c o e | K i t c h e n e r - W a t e r l o o | C a m b r i d g e

Visit Us At: www.TANteam.com

TABLE OF

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service a word isn’t just

The TanTeam can provide you with an unparalleled level of service and attention when it comes to an important decision such as buying and selling your home. Our passion and knowledge of the area and commitment to making a difference has helped us build a name for offering the highest level of customer service possible. Call The TAN Team now if you are planning to buy or sell your next home.

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PENG HOCK TAN REAL ESTATE BROKER & ADVISOR Direct: 416-669-1748 Email: tan@tanteam.com

KAI (KYLE) MIN TAN R E A L E S TAT E S A L E S R E P R E S E N TAT I V E

Direct: 416-720-1738 Email: kai@tanteam.com

Got Questions?

Talk To TAN NOW!

ontents December 2015 - January 2016 Volume 04 Issue 07 )HGV 7R 7LJKWHQ 0RUWJDJH 5XOHV )RU +RPHV 2YHU .

04

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Listing Highlight: Rare East Credit - 4+1 Bedroom Detach With Finished Basement

09

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10-11

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12

Client Appreciation 2015 - Reliving The Fun-Times (Photo Collage)

13

Seasons Greetings From The TanTeam!

14

Listing Highlight: Stunning Custom Built Executive 4 Bdrm Detach

15

This Magazine Is Brought To You By:

P e e l | H a l t o n | H a m i l t o n | To r o n t o | Yo r k | W e l l i n g t o n | D u r h a m | D u f f e r i n | S i m c o e | K i t c h e n e r - W a t e r l o o | C a m b r i d g e

Designer: Kai Min â&#x20AC;˘ Cover: â&#x20AC;&#x153;Snowflakeâ&#x20AC;? - Source: berryness @ Deviant Art â&#x20AC;˘ Advertising: Kai Min | admin@tanteam.com

Royal LePage Meadowtowne Realtyâ&#x201E;˘ is a licensed franchise to Royal LePage and is Independently Owned and Operated. :KLOVW HYHU\ FDUH KDV EHHQ WDNHQ LQ SUHSDULQJ WKLV PDJD]LQH 7DQĚ˝JD]LQH DQG DOO YHQGRUV FRUSRUDWLRQV EXVLQHVVĚľ DQG DIͤOOLDWHV JLYH QR ZDUUDQW\ IRU WKH LQIRUPDWLRQ FRQWDLQHG KHUHLQ 3RWHQWLDO SXUFKDVHUV VKDOO VDWLVI\ WKHPVHOYHV DV WR DOO PDWWHUV DQG VHHN LQGHSHQGHQW DGYLFH LI QHFHVVDU\ 7KH YLHZV H[SUHVVHG LQ WKH DUWLFOH V WKURXJKRXW 7DQĚ˝JD]LQH DUH WKRVH RI WKH DXWKRU DQG GR QRW QHFHVVDULO\ UHSUHVHQW WKH YLHZV RI 7KH 7$1 7HDP DQG LWV DIͤOLDWHV 7KH LQIRUPDWLRQ FRQWDLQHG KHUHLQ GRHV QRW IRUP DQ\ SDUW RI DQ\ FRQWUDFW RIIHU RU UHSUHVHQWDWLRQ $GGLWLRQDOO\ WKLV PDJD]LQH LV QRW LQWHQGHG WR VROLFLW SURSHUWLHV FXUUHQWO\ FRQWUDFWHG DQG RU DOUHDG\ OLVWHG IRU VDOH

Feds To Tighten Mortgage Rules For Homes Over $500K The federal government is expected to tighten mortgage rules

The decision is based off research by the C.D. Howe Institute,

in an effort to cool the red-hot housing markets in Toronto and

an independent think tank.

Vancouver, CTV News has learned.

The move is expected to take pressure off the Canada The new regulations will increase the minimum down payment

Mortgage and Housing Corporation (CMHC), which offers

required to buy a home for more than $500,000, with portions

mortgage loan insurance for properties valued below $1

beyond that amount requiring a 10 per cent down payment. The

million.

GRZQ SD\PHQW RQ WKH ͤUVW ZLOO UHPDLQ DW ͤYH SHU FHQW For example, a home costing $700,000 would require a $45,000

Since the 2008 recession, the federal government has made it

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more challenging for Canadians to obtain CMHC-insured

$500,000, added to a 10 per cent down payment on the

mortgages.

remaining $200,000.

For homebuyers with a down payment of less than 20 per cent, The regulations are expected to take effect in early 2016.

the government decreased the maximum amount of time

Buyers shopping for homes below the $500,000 mark will be

allowed to pay off a mortgage to 25 years from 40 years.

unaffected by the new rules.

The move was intended to dissuade borrowers from making riskier purchases and instead encourage them to invest in less

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expensive homes.

Morneau sometime Friday morning. The government is expected to stress that the new rules are designed to foster equity and dissuade cash-strapped buyers who may be seduced by low interest rates.

CTV News

December 11, 2015

November/December 2015 Volume 04 Issue 06

%URRNͤHOG 5HDO (VWDWH 6HUYLFHV ,QF Announces Acquisition of Franchise Agreements

%URRNͤHOG 5HDO (VWDWH Services Inc. (the ̸&RPSDQ\̚ %5( 72

announced today that it has approved the acquisition of certain franchise agreements IURP %URRNͤHOG 5HDO (VWDWH 6HUYLFHV 0DQDJHU Limited (â&#x20AC;&#x153;the Managerâ&#x20AC;?).

Acquisition of Franchise Agreements - Under the 5R\DO /H3DJH DQG 9LD Capitale brands, the Company will purchase franchise agreements representing 33 real estate operations and 5($/7256p DFURVV Canada for approximately $6.6 million . These agreements are estimated to generate an annual royalty stream of $1.0 million and will be effective January 1, 2016 .

â&#x20AC;&#x153;The Company experienced strong growth in 2015, as high performing real estate brokers and agents from coast-to-coast continued to

As outlined in the Companyâ&#x20AC;&#x2122;s Management Services Agreement

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(â&#x20AC;&#x153;MSAâ&#x20AC;?) with the Manager, 80 per cent of the acquisition price will be

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paid in January 2016 and the balance paid in January 2017 when the

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innovative and complete suite of business services and tools is

acquired agreements.

paying dividends, as we continue to enjoy market-leading momentum and sustained industry leadership.â&#x20AC;?

The payment due January 1, 2016 of approximately $5.3 million , plus applicable HST, will be funded through a combination of cash on hand and a draw down on the Companyâ&#x20AC;&#x2122;s debt facilities.

Yahoo Finance

December 08, 2015

5

The Downside of DIY Property Sales

would cover real estate professionalsâ&#x20AC;&#x2122; costs. Comparing dollars to dollars, to sell DIY-style seems a straight-forward and obvious choice. The DIY companies sell consumers on the idea that real estate transactions are primarily about sales.

What home sellers donâ&#x20AC;&#x2122;t understand is that much of the real estate transaction is legal. And in the realm of legal loopholes, ZKDW \RX GRQĚľW NQRZ FDQ ODQG \RX LQ D ZRUOG RI ͤQDQFLDO SDLQ /DXUD 5LGGOH LQ KHU ERRN 6HOO <RXU +RPH 1RZ VKDUHV WKH VWRU\ of a private seller who fell into such pain. The private seller met ZLWK D FRQͤGHQW VPRRWK WDONLQJ EX\HU â&#x20AC;&#x153;I know what Iâ&#x20AC;&#x2122;m doing; let me help you with the paperwork,â&#x20AC;? the buyer had offered.

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of selling your home yourself, without using a real estate

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salesperson. Do-it-yourself property sales companies promise that youâ&#x20AC;&#x2122;ll save thousands of dollars in commissions.

If getting a buyer is just one-tenth of the process, what are the other nine-tenths about then?

What most home sellers on that path donâ&#x20AC;&#x2122;t know, however, can ODQG WKHP LQ PDMRU OLWLJDWLRQ DQG ͤQDQFLDO ORVV ',< SURSHUW\

Shhâ&#x20AC;Ś DIY sales companies donâ&#x20AC;&#x2122;t want you to think about that.

sales companies will barely touch the subject or avoid it

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entirely.

to represent oneself in court. It saves money but itâ&#x20AC;&#x2122;s incredibly risky. Most people wouldnâ&#x20AC;&#x2122;t dare, because they know theyâ&#x20AC;&#x2122;re up

DIY companies will tell you that by saving the agentâ&#x20AC;&#x2122;s

against a skilled professional in a complicated arena and they

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could get really, really hurt. Somehow this common sense

$388,000 home, a 4.5 per cent commission would land at just

doesnâ&#x20AC;&#x2122;t translate to the realm of real estate, even though the

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legal implications are considerable.

bank if you do it yourself!

In his article, The Shocking Hidden Costs of DIY Home Selling, :KDW VHOOHUV GRQĚľW UHDOL]H LV WKDW EX\HUV DUH IXOO\ DZDUH WKDW

-HII 6WHUQ RI 5H 0D[ 3HUIRUPDQFH 5HDOW\ LQ :LQQLSHJ SRLQWV

sellers are not paying commission, so they donâ&#x20AC;&#x2122;t expect to

out an issue that can affect sellers in a big way, even after

either. Buyers will not pay inflated prices just so sellers can

possession.

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or so with DIY companies compared to the $17,000 slice that

there have not been any negative changes.

The part you donâ&#x20AC;&#x2122;t know, but really should: anywhere from

hires them. Theyâ&#x20AC;&#x2122;ll be convincing. Theyâ&#x20AC;&#x2122;ll turn on the charm.

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Theyâ&#x20AC;&#x2122;ll use guilt. A sellerâ&#x20AC;&#x2122;s agent, however, is used to such

inquiry into the buyerâ&#x20AC;&#x2122;s credit. If there are any negative changes

tactics and can skilfully fend off bullies.

to their credit, the bank is not obligated to fund the sale. It is possible the bank would refuse to fund the purchase even after

An agent also protects sellers from buyers. Sellers who must

possessionâ&#x20AC;Ś It happens. Usually when it does, the real estate

deal

agent and the buyer will together scramble for another lenderâ&#x20AC;&#x2122;s

non-sentimental criticism may bother the seller. They may be

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demanding about getting a discount. They also may just be

of pain.â&#x20AC;?

looky-loos out for a Sunday afternoon. Agents offer a

directly

with

buyers

can

be

intimidated.

Their

third-party, thick-skinned barrier from such time-consuming The bottom line is that DIY sellers proceed unprotected for

annoyances.

most aspects of the transaction.

In real estate, as in law, what you donâ&#x20AC;&#x2122;t know can do more than Letâ&#x20AC;&#x2122;s face it. There are great agents and not-so-great ones.

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Some can be intimidating to deal with. They may go to a

loss.

homeownerâ&#x20AC;&#x2122;s door and pressure them into signing with them.

They may even promise to bring a buyer, but only if the owner

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December 8, 2015

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REALTORSÂŽ Release Monthly Resale Housing Figures 7RURQWR 5HDO (VWDWH %RDUG 3UHVLGHQW 0DUN 0F/HDQ DQQRXQFHG

selling price for all transactions was also up by a similar

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annual rate of 9.6 per cent to $632,685. Annual rates of

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by 14 per cent compared to November 2014. This result also

months of 2015 were similar, with the strongest rates of

represented the best result on record for the month of

increase being reported for low-rise home types, including

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detached and semi-detached houses and townhouses.

amounted to 96,401.

â&#x20AC;&#x153;Demand for ownership housing has remained strong in the GTA throughout 2015, with sales generally incr

â&#x20AC;&#x153;Not only did we see a record sales result for November, but with one month left to go in 2015, we have already set a new

easing at a greater annual rate compared to new listings. This

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means that competition between buyers has strengthened in

eclipsing the previous record set in 2007. Sales were up on a

many neighbourhoods in the City of Toronto and surrounding

year-over-year basis for all major home types, both in the City

regions. The end result has been upward pressure on home

of Toronto and surrounding regions. This suggests that the

prices well above the rate of inflation in most cases,â&#x20AC;? said

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buyers to long-time homeowners across the GTA,â&#x20AC;? said Mr. McLean.

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December 3, 2015

up by 10.3 per cent year over year in November. The average

7

0DNH 0HUU\ :LWK $ Late-In-The-Year Home Sale You may have fewer people viewing your home during the fall and winter months, but that doesnâ&#x20AC;&#x2122;t necessarily mean fewer offers.

Compared to selling a home in the spring when there are more homes on the market, VHOOLQJ GXULQJ WKH ͤQDO PRQWKV RI WKH \HDU can often be a successful endeavour. â&#x20AC;&#x153;With careful planning and a few helpful tips \RX FDQ VKRZFDVH \RXU KRPH DQG ͤQG WLPH to enjoy the season too,â&#x20AC;? says JoAnn -XVGDQLV EURNHU RZQHU ZLWK 5R\DO /H3DJH %XUORDN 5HDO (VWDWH 6HUYLFHV LQ %XUOLQJWRQ 2QWDULR +HUH DUH KHU WLSV WR KHOS \RX WKURXJK a late-year sale: â&#x20AC;˘ Weekends are for showing. Homes show better during the daylight hours, but as the days get shorter, the work week gets in the way for many buyers. However, this can work in your favour if you are selling a home late in the year. Show your home over the weekend during the day and leave it the evenings to enjoy outside social events. â&#x20AC;˘ Get help with the cleaning. Youâ&#x20AC;&#x2122;ll need to keep your home sparkling clean for showing, so this might be a good time to spend a little extra money on a housekeeper. Alternatively, have the whole family pitch in daily

â&#x20AC;˘ Leverage tradition to create a warm, homey atmosphere.

to pick up, wipe clean, dust and vacuum. Many hands make

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light work.

throws coupled with red and woodsy greens accents provide seasonal touches that draw directly from nature. This kind of

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decorating is easy on the eye and attractive to any buyer.

decorate sparingly to make an impact while not taking over the room. Be sure to store wrapped presents out of sight. â&#x20AC;˘ Strip out the clutter to make merry. If youâ&#x20AC;&#x2122;re selling during the holidays, itâ&#x20AC;&#x2122;s critical to clear out and store away all household

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December 16, 2015

accent with a few tasteful and carefully-placed decorations.

8

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Houses In Greater Vancouver Hit New Highs

Benchmark prices for single-family detached houses in

There were 3,345 sales in Greater Vancouver on the multiple

Greater Vancouver ascended to new highs last month.

listing service last month, up 14.5 per cent from a year earlier.

Rare East Credit 4+1 Bdrm Detach W/Fin. Fin. Bsmt. mt.

Well kept family home with 4+1 bedrooms, edro plenty ty of space 7KH +RPH 3ULFH ,QGH[ +3, IRU GHWDFKHG SURSHUWLHV LQ WKH to spare â&#x20AC;&#x201C; easy to cl clean hardwood od region hit almost $1.18-million in September, up 18.9 per cent floors throughout main level to family room on 2nd levelIURP WKH VDPH SHULRG LQ 2Q 9DQFRXYHUĚľV ZHVW VLGH WKH â&#x20AC;&#x201C; laminate floor oo bedrooms and nd +3, URVH SHU FHQW RYHU WKH SDVW \HDU WR VXUSDVV throughout basement, no c carpet! Paved stone ne $2.74-million while surging 22.5 per cent to $1.16-million on front walkway with glass as enclosed porch, h, the east side. backyard features deck with wit built-in hot tub spa! a! )XOO\ ͤQLVKHG EDVHPHQW PH ZLWK URRP IRU RU 7KH 5HDO (VWDWH %RDUG RI *UHDWHU 9DQFRXYHU SUHIHUV WR RIͤFH JXHVW URRP DQG G VSDFLRXV UHFUHDWLRQDO DO FRQFHQWUDWH RQ WKH +3, VD\LQJ WKDW DYHUDJHV VNHZ WKH SLFWXUH area. Comfortable living ng can start here, call all because the most expensive properties are included. The The TanTeam today fo for more information! n!

Board president Darcy McLeod said a range of factors is influencing prices, notably a limited supply of listings. The total number of listings of all residential property types in the area has fallen 27 per cent over the past year. â&#x20AC;&#x153;The number of homes listed for sale hasnâ&#x20AC;&#x2122;t been keeping up with the demand,â&#x20AC;? Mr. McLeod said in a statement Friday. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s this dynamic thatâ&#x20AC;&#x2122;s placing upward pressure on home prices, particularly in the detached home market.â&#x20AC;?

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average resale prices, according to the board.

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The Greater Vancouver boardâ&#x20AC;&#x2122;s territory covers a large portion RI 0HWUR 9DQFRXYHU LQFOXGLQJ %XUQDE\ 5LFKPRQG DQG 1HZ

Westminster. Metro Vancouver is a broader political entity that

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The price for detached properties in Greater Vancouver last month averaged nearly $1.41-million, or an 11.5-per-cent

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Industry experts say low interest rates, a healthy economy and

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October 02, 2015

population growth have fuelled the housing boom over the

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MORE PICTURES ONLINE properties, there AVAILABLE has been brisk demand from buyers who are China, observers say. property information as well as Visit our websitefrom at www.TanTeam.com for further more photoâ&#x20AC;&#x2122;s of the property or scan the QR Code below to go straight to the listing!

Dan Scarrow, vice-president of corporate strategy at Macdon-

PRICED AT

$739,813

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sales of detached houses, condos and townhouses within the FLW\ RI 9DQFRXYHU ODVW \HDU ZHQW WR EX\HUV IURP &KLQD 2I KLV

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PROPERTY AT A GLANCE NCE

Peng Hock Real Estate Broker & Consultant year, 150 of the purchasers wereTan, from China, or 27.5 per cent,

10 Minute Drive To Square Onee Sh Shopping Centre

his analysis shows. Kai Min Tan, Real Estate Sales Representative

Easy Access To Public Transitt & HWY H 403

SCAN FOR MORE

PROPERTY INFORMATION

Phone: +1-905-821-3200

High Demand East-Credit Area

Email: support@tanteam.com

Centrally Loc Located

Website: www.tanteam.com 6948 Financial Drive, Mississauga ON L5N 8J4

EXLUSIVELY LISTED WITH ROYAL LEPAGE MEADOWTOWNE REALTY

TanTeam Listings

December 2015 to January 2016

Dream Properties Have Never Been Easier To Find Visit www.TanTeam.com to view more listings and search on the MLS!

www.tanteam.com/ROEG1

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CUSTOM BUILT ERINDALE 4+1 BDRM DETACH! (ULQGDOH 0LVVLVVDXJD Custom Built 4 +1 Bdrm Luxury Detach Near UTM! EXCLUSIVE LISTING -

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HIGH DEMAND 3BDRM CONDO TOWNHOUSE 1HZWRQEURRN :HVW 1RUWK <RUN Features Finished Basement, Functional Layout EXCLUSIVE LISTING -

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4+1 EAST CREDIT DETACH - IN HIGH DEMAND (DVW &UHGLW 0LVVLVVDXJD Generously Spacious Functional 4+1 Detach!

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6948 Financial Drive, Mississauga, ON L5N 8J4 2IͤFH ̽ )D[

support@tanteam.com

www.tanteam.com

KAI (KYLE) MIN Real Estate Sales Representative

10

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www.tanteam.com/DUSL6

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3BR 1800SF+ END UNIT TOWNHOUSE )OHWFKHU̵V &UHHN 6RXWK %UDPSWRQ Newly Renovated, Walk To Shoppers World MLS W3220878 -

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GORGEOUS MOVE IN READY CHURCHILL HOME &KXUFKLOO 0HDGRZV 0LVVLVVDXJD High Demand Area, Well Kept & Move In Ready!

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2BR TOWNHOUSE MISSISSAUGA $SSOHZRRG 0LVVLVVDXJD Starter 2BR Townhouse In Applewood Mississauga!

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NEW RESIDENCES AT YORKVILLE PLAZA 7KH $QQH[ 7RURQWR Brand New! 31st North View @ Old Four Seasons Hotel!

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INVESTMENT CONDO IN ST. CATHARINES *OHQULGJH 6W &DWKDULQHV Affordable Well Maintained, High Demand Condo.

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TALK TO THE TAN TEAM FOR MORE INFORMATION

If Are Planning On Moving

Make The Right Move

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11

*RYHUQPHQW 'HQLHV 0/77 To Other Municipalities )URP (PDLO 7R 0LVVLVVDXJD 5HDO (VWDWH %RDUG 0HPEHUV UHFHLYHG 'HFHPEHU VW Ěą(PDLO 6WDUWĚą 0XQLFLSDO /DQG 7UDQVIHU 7D[ 83'$7( )URP 3DWULFLD 9HUJH 3UHVLGHQW 2QWDULR 5HDO (VWDWH $VVRFLDWLRQ It gives me great pleasure today to inform you that this morning, Ted McMeekin, the Minister of Municipal Affairs and Housing, informed the legislature that the government will not give municipalities the ability to charge a municipal land transfer tax (MLTT).

Below is a portion of copy of the Ministerâ&#x20AC;&#x2122;s statement: While we are currently reviewing the feedback from our partners, it is clear is that there has been no call for a Municipal Land Transfer Tax. I was pleased communicate our governmentâ&#x20AC;&#x2122;s position today, that other than in Toronto, where the power already H[LVWV RXU JRYHUQPHQW ZLOO QRW EH H[WHQGLQJ 0XQLFLSDO /DQG 7UDQVIHU 7D[ SRZHUV WR RWKHU 2QWDULR PXQLFLSDOLWLHV ,Q VKRUW WKH JRYHUQPHQW KDV OLVWHQHG WR RXU FDPSDLJQ DQG DJUHHG WKDW WKH 0/77 ZDV WKH ZURQJ WD[ IRU 2QWDULR PXQLFLSDOLWLHV ,Q GRLQJ VR \RX 2QWDULR 5($/7256 KDYH KHOSHG VWRS RQH RI WKH ODUJHVW WD[ LQFUHDVHV RQ KRPH RZQHUVKLS LQ D JHQHUDWLRQ ,W LV RQH RI the biggest government relations wins in our associationâ&#x20AC;&#x2122;s history. Congratulations everyone!

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"May Your Days Be Merry & Bright"

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14

READY TO OCCUPY

Stunning Custom Built Executive 4 Bdrm Detach. etach Open Ceiling Front Entrance Foyer W/Julliet Jull t View From Upper Level, Generous Sized Family, y, L Living g & Dining Areas W/Large Eat In Kitchen Com Complete e W/Granite Counter Tops, Stainless Steel Ap Appliances, s, Plenty of Hardwood Cabinets & Pantry. F Family & Living Area Features A Double See-Through gh Fireplace. Main Level ,QFOXGHV &R]\ 6WXG\ 2IͤFH 5RRP \ P Large Foyer/Media Loft Area a Greets You Att The Top of The 2nd Level, 4 Bdrm W/ D Direct Access To o Their Own Bathroom (1 Jack & Jill, 2 E Ensuites). Master er Bedroom Contains Two Separate Walk-In His & Her Closet, 5pc al Master Ensuite W/ Enclosed Glass Tiled os ed Shower W/Sitting Bench, Double Vanity anit Complete W/Jacuzzi.

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Easy Access To Public Transit & 5 Min Minutes Away From University of Toronto, Mississauga auga Campus.

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This is a EHS Listing. TanTeam Exclusive.

The Elusive Homes System (EHS) matches buyers with sellers before properties are listed on MLS. The result is that it provides a peace of mind to sellers who prefer not to list their house (and address) publicly on the MLS while retaining strict balance of privacy about the sale of their home and security. Not sure if EHS is right for you?

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Peng Hock Tan, Real Estate Broker & Consultant

Custom Built Executive Detachh

Kai Min Tan, Real Estate Sales Representative

Fronting Onto Credit Valley Country ountr Golf Club

Phone: +1-905-821-3200

2.4KM From Univ University of Toronto oront (Mississauga Campus)

Email: support@tanteam.com

Easy Access To Public Transit Traansit & HWY 403 + QEW

Website: www.tanteam.com 6948 Financial Drive, Mississauga ON L5N 8J4 EXLUSIVELY LISTED WITH ROYAL LEPAGE MEADOWTOWNE REALTY

15

November/December 2015 Volume 04 Issue 06

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