The Power To Move You - September 2022

FOR

FOR

SEPTEMBER ISSUE

FALLING FORWARD

Fall is upon us . . .

Which means it’s time to take your cozi est fall clothing out of the back of your closet and enjoy wearing it in the crisp outdoor air.

If you are looking for tips on buying or selling your home this Autumn then this issue will energize your efforts more than a visit to Starbucks for a pumpkin Whylatte.

not flip through this digital maga zine and its useful content while sitting outside enjoying the last few beautiful warm days of summer. It’s a great way to ease into the upcoming holiday Weseason.will

share information on buying second homes and what Fractional own ership could offer you. I have obtained

my RSPS - Resort and Second Property Specialist certification.

This RSPS is recognized by CREA (The Canadian Real Estate Association) and NAR (The National Association of Real tor) in the United States. I am now able to help you with purchasing a second property anywhere in the world.

In this issue we will also share some active local listings, testimonials from clients we have recently worked with, recipes to enjoy this fall and things to do locally that will help you enjoy our Autumn season.

And as always, if you have any ques tions, just want to talk about our local market or an investment opportunity I am only a phone call away.

Embrace the upcoming season and we hope to see you all on pie pickup day!

Regards,

Theresa Baird has completed her RSPS Certification and is now a Resort and Second-Property Specialist.

RSPS is recognized as an official NAR Certification, and allows buyers and sellers to have confidence in the ability of a REALTOR® who specializes in buying, selling or management of properties for investment, development, retirement, or second homes in a resort, recreational and/or vacation destination, to assist them with their search.

To learn more, contact Theresa at 647-298-0997 or by email at tbaird@tbaird.com

greatthe divide

A WELL-APPOINTED LIVING ROOM WITH BUILT-IN FLEXIBILITY

Written by Jeanine Matlow / Photography by MTL Interiors HomesbyDesign.com

Even with the classic architecture and prime location of this Victorian home in Westmount—an upscale neighborhood in Montreal, Quebec near Victoria Village that’s filled with locally owned restaurants and shops—there was still some work to be done. Positioned on a hill leading toward Mount Royal, the semidetached residence with lots of character sits on a slope in the pictur esque setting. Sun Ah Brock, founder and owner of Montreal-based LUX decor, alongside her design team, took on the task of modernizing the interiors and making them more livable for her clients. “They wanted to highlight and supplement the original bones of the house,” says Brock. “That being said, we weren’t afraid to go bold with the choices and mix up the styles to suit a young family.”

In addition to her design firm, Brock has an online store and an affiliate program for industry professionals across North America. Adding new finds to a few existing pieces gave the home that turnkey look for the owners,

a couple with two children who often host friends. “They are foodies, so they definitely love to cook and entertain,” says Brock. “They wanted a house in which they could comfortably entertain a few couples at a time, while incor porating a young family and some kid zones throughout the home.”

The inspiration for the living room came from the warmth and organic feel of the New York City locations of 1 Hotel. The owners wanted it to be cozy and kid friendly with super easy care, which comes from performance fabrics and forgiving surfaces. “They also wanted space to grow their collection of travel souvenirs,” she says.

An eclectic look lets them blend the old with the new. “They wanted to highlight the architecture and millwork of the home and modernize it at the same time,” says Brock. “They also wanted to incorporate their objects from their trips and curiosities on floating shelves, but because they didn’t have a separate liv ing room on the main floor, this served

as a play area for the kids as well as a formal living room.”

Some separation made sense. “Because it’s a little bit of a longer living room, we had to section it off and make a kid-friendly zone,” she explains. “Near the fireplace, we wanted to keep it cozy so the whole family could lounge there. What’s great about this living room is that we were able to optimize the space and make it kid friendly, while keeping a space for adults to lounge too.”

Brock describes the color palette as “earthy, moody, and completely ontrend.” “The blue-and-caramel color scheme was a challenging palette, proof that you really need to carry a colour throughout a room,” she says, noting that the contrast comes from caramel leather, camel-colored curtains, pairing brass with black, and blue furniture that stands out against the white walls. “All these details contribute to letting the architecture shine, includ ing that beautiful mantel and fireplace.”

Standout architectural details include the original fireplace and original brick wall in the entry. The intricate millwork on the staircase begins with the dis tinctive baluster. The plaster moldings, floors, and ten-foot ceilings are also original to the home and lend a city-in spired vibe.

These architectural features comple ment the well-curated contents, like the leather accent chairs that bring comfort and old-world charm. The coffee table leans more rustic with an imperfect surface, while the accent tables have a shagreen finish that is perfect for beverages. A pair of boho-chic poufs complement black bookshelves with caning on the doors.

A perfect balance of old and new now feels welcoming. “This home displays the beginning of a trend towards max imalism, because it’s not very épurée and clean, which is what makes this home unique,” says Brock. “We made sure that every wall had an impact; the spaces weren’t meant to feel pure and clean, they were meant to feel warm, cozy, and lived-in.”

BUYING A SECOND HOME

Life has changed and you want to change with it. There are several reasons you might want to move out of your current home and into a new one: Make room for new family Escapememberscity life for a quieter setting Downsize from a large house to a small condo

WHAT TO KEEP IN MIND

Before you buy, remember your next home is an investment. So be sure your next property - and its location - meets your housing needs. Draft a list of pros and cons to help. Ask yourself why you want to move and be realistic about how much you can afford.

Estimate your available equity and find out how much you may qualify to borrow with our home equity calculator.

BUY AN INVESTMENT PROPERTY

An investment property can deliver a nice profit. Sources of income vary: Renovate and sell it at a higher price Rent it out for a monthly income Hold it until it increases in value, then sell and take the profit

WHAT TO KEEP IN MIND Investing in real estate can give you a regular income, but there are risks involved. You could lose money and in crease your debt - not to mention, lose your property if you can’t make the Beforepayments.investing,

consider the following •tips: Find a good area to invest Consider whether you can afford the Thinkpropertyabout working with a coinvestor

• Calculate the investment cost (for example, down payment and operating Determineexpenses)howmuch time you’ll need to spend on the property Figure out your estimated return on the property and deduct all applicable taxes

• Calculate how much income tax you’ll pay on the profit

Extra income can cover housing costs for your primary home and investment property. But investing in real estate comes with responsibilities.

Rental properties are popular because they bring in a regular income. But this means you deal with tenants regularly. Depending on the rental agreement, some operating costs, maintenance and repairs could be your responsibility. So, if you plan to own a rental property, run it like a business. Get a good accoun tant who knows the rules. Understand the relationship between landlord and tenant. And know the rules and regula tions, like local bylaws. Not all proper ties can be used as rentals.

BUY A VACATION GETAWAY

Get a vacation property on the beach, or a cottage by the lake, to escape the stresses of everyday life. There are a few reasons a vacation home may be right for you:

Use for weekend getaways or family retreats

• Use as a future retirement home

WHAT TO KEEP IN MIND

There are several items to consider when buying a vacation home. The following tips can help you get started:

• Decide if you can afford a vacation home

TAKE THE STEPS TO BUY YOUR NEXT HOME, INVESTMENT PROPERTY OR VACATION GETAWAY OF YOUR DREAMS Cibc.com

Ask yourself if a vacation home is a good investment

• Find a good area to buy, so it suits your future lifestyle

Choose a vacation home close to your primary residence so you can save on transportation costs and time

Owning a vacation home costs money, even if you’re not living in it. Help cover costs, like maintenance, upgrades, property taxes or even mortgage pay ments, by renting the property out for short periods of time. Vacation homes usually require a larger down payment and special insurance. You’ll most likely need flood coverage if your vacation home is near the water. Also, if you buy a fixer-upper, you might need funds to renovate the property.

GET THE FUNDS YOU NEED FOR A SECOND HOME

When you’re a first-time home buyer, you don’t have the luxury of home equity. But if you’re an owner, you can use your equity to help buy your next property.

APPLY FOR A MORTGAGE

Your home equity makes it easier to get approved for a mortgage. But this depends on how much equity you have. Find out how much equity you have with our home equity calculator.

If your housing needs have changed, you may be able to increase or de crease your mortgage. For a bigger home, you might need a new mortgage for a higher amount. And if you’re downsizing to a smaller home, you may need a smaller mortgage. You may also be able to move your mortgage on the new home to another lender, though prepayment charges may apply.

APPLY FOR A LINE OF CREDIT

You can combine your existing home equity with a line of credit to finance a new property. This option has several features:Noprepayment change. Payment schedules on lines of credit are more flexible. This means you can pay more or less at any time, with out a prepayment charge.

Reusable credit. On a line of credit, more credit becomes available as you pay down your line of credit, up to your approved credit limit.

• Possible tax deductions. You might get a tax break if you invest money from a home line of credit into non-registered investments, like stocks and mutual funds.

To qualify for a line of credit, you need at least 35% of your existing home equity available.

ONCO-OWNERSHIPHOMETHERISEINCANADA

Written by Anne Gaviola of Global News - September 3, 2022 Globalnews.ca

Co-ownership seems to be on every one’s mind,” said Parimal Gosai, the co-founder of a digital matchmaking platform called Husmates. “It’s like Bumble, Hinge or Tinder for real estate. It’s not a romantic dating app. It’s strictly for owning property together.”

From the outside looking in, a mixer on a balmy evening in mid-June in a trendy downtown Toronto neighbour hood appears to be a social event like any other. Drinks are flowing and the conversations are too. But this one has a specific purpose: to help people who are interested in buying a primary residence with others, including strangers.

“Co-ownership seems to be on every one’s mind,” Parimal Gosai, one of the event’s hosts, tells Global News. “Housing prices are increasing, inflation and gas prices too. People’s incomes have not met those increases for a long time in the city of Toronto and Vancouver.”

Gosai and his co-founder Lesli Gaynor created a digital matchmaking platform called Husmates, which launched in

December of last year. It’s designed to connect people looking to co-own property together in the Greater Toron to Area.

“It’s like Bumble, Hinge or Tinder for real estate. It’s not a romantic dating app. It’s strictly for owning property together,” he explains.

Proponents of co-owning say the un affordability crisis plaguing Canada’s most expensive housing markets has driven a surge of interest in shared ownership. What used to be a fairly niche endeavour is now becoming more commonplace as evidenced by new mortgage products and services designed specifically for multiple co-owners.

HOUSING CRISIS

The June mixer, like the share owner ship trend, has attracted a wide range of co-owning hopefuls, from senior citizens looking to downsize their mort gage to people who haven’t yet made it onto the property ladder, like Coryn Kempster, whose family recently moved back to Toronto after living abroad.

“The city has changed a lot in 15 years and we just simply can’t afford a home on our own,” he tells Global News.

“We have great neighbours where we are right now but it would be even better to take that to the next level and have really close neighbours that you can rely on and they can rely on you,” says BeingKempster.matched with a prospective co-buyer on Husmates is one thing, but meeting in person is a must before signing onto a purchase agreement and shared mortgage. So Kempster is mingling and hoping to meet a match.

WIDE APPEAL

“Between Gen Xers who have no idea how they’re going to afford real estate in the future, all the way up to seniors who do not want to be in senior care facilities and everyone in between: newly divorced parents, widowed people, marginalized folks,” Gosai says. “Everyone that’s not a doubleincome middle-class, middle-income family is reaching out to us thinking this could be a very viable option.”

Attendees also include lawyers, sharing their expertise on the legal ins and outs of co-owning, and construction and de sign experts, too, who have found new ways to create spaces within homes, designed for more than a single family under one roof.

Joanne Lam is an architect and founder of Picnic Design, with a quarter-century of experience under her belt. She tells Global News her firm is particularly in terested in multi-unit residential projects in urban centres.

“We tend to think of one family, one house. But does it have to be that way?” she says.

She says the sharing model allows people to “have an intentional community built in your own house.”

Lam says the right design approach can be conducive to a more harmonious co-living experience.

“We understand that this is not utopia. We know there will be issues. But the idea is that we use design to make it intentional so you’re not just piling on top of one another,” she says.

The “housing crisis” is, in Lam’s view, a major driver of recent and more wide spread interest in co-living.

“It’s not exactly a new idea; people have been doing it for years in different cultures. But what we’re doing is trying to bring that age-old idea into a down town North American concept.”

Community living/separation anxiety Gosai touts co-owning and co-living as an antidote to what some have dubbed a “loneliness epidemic.” It existed be fore COVID-19, but many feel it’s been exacerbated by the pandemic and its restrictions. He purchased his current home with his husband, his sister and her partner and he recommends it based on his personal experience.

“It’s such a huge relief to know that you don’t have to bear all the expenses your self. You don’t have to go through the mortgage application yourself. You’re not in hundreds of thousands of dollars in debt yourself,” says Gosai.

Kempster is hopeful that the increase in interest in co-owning also increases his chances of finding the right match.

“It’s very exciting to see that maybe the beginning of that movement is starting in Toronto, probably born out of financial hardship, but maybe that will grow and develop into something that people start seeking out because it’s interesting,” he says.

Coryn Kempster (centre) gets to know guests at a Husmates social event about co-owning. Photo supplied

FOR SALE

SOPHISTICATED LAKESIDE CHARM! Rarely available and exceptionally upgraded, this elegant 2 bedroom suite in The Regat ta has it all! This well-appointed condo features a spacious 1314 sq ft floor plan, ideal for today’s modern living. The impressive living and dining room space allows for all your entertaining needs, featuring stunning custom cabinetry creating a lovely niche for the built-in electric fireplace and TV, crown moulding, exquisite hardwood floors, track and pot lighting, and walkout to the balcony. The gourmet kitchen includes stainless steel appliances, granite countertops, tile backsplash, undermount lighting, stainless steel double sink, breakfast bar and additional built-in pantry/storage space. The primary bedroom features his and hers closets and a luxurious 4 piece ensuite with marble flooring, built-in floor to ceiling cabinetry, floating vanity and a gor geous, large glass shower with a fabulous rain shower head and bench.

BADNO ANGLES

A PICTURE-PERFECT SPACE FOR EVERYDAY LIVING

Written by Alissa Schulman / Photography by Matti Gresham HomesbyDesign.com

When Ginger Curtis, owner and prin cipal designer at Urbanology Designs, was tasked with elevating the interiors of this Dallas, Texas home, she knew she’d be drawing elegance out of the most simple monochrome of all. She wondered, “How do we take a blackand-white palette and elevate it so that it’s beautiful, but also very on-brand?”

For this particular project, the idea of remaining on-brand was crucial. Her client, Ashley Robertson, is the founder of lifestyle and beauty blog, The Teach er Diva. Marrying her client’s estab lished public persona with the design of a practical space for a family of four remained top-of-mind throughout, but especially in the living room.

“One of the things that I was really aware of and thinking through for each angle of that room is that she’s an influ encer and this is her home, and every part of her life is her business,” Curtis shares. “I really wanted to make sure

that every angle of that room and all the rooms were effortless, so that when she was walking through the house in her pajamas and slippers and she she’s grabbing some content, she didn’t have to think about it; everything is there and done. But then at the same time, it’s livable.”

With that in mind, she adopted one rule: no awkward corners. Balancing the dual purposes of her space led Curtis to design what can be consid ered a live-in creative studio. It’s both styled to Robertson’s taste - chic-modern, as Curtis describes it - and highly

Thefunctional.twosofas centering the living room, for example, are covered in performance fabric. Off-white linen is a bit more forgiving than the starkwhite paint color dressing the walls, while contrasting black velvet adds dimension to the area. Curtis person alized the seating area with patterned

throw pillows and anchored it with a metal, drum-shaped coffee table, topped with a simple trio of a tray, candle, and fresh flowers. Finally, she kept it from looking overly chic with a set of leather sling chairs.

No matter where you’re seated in this central area, you’re guaranteed a pic ture-perfect vignette. The black sofa sits in front of sweeping windows overlook ing the backyard, “so it helps to frame one of the most natural focal points in the house,” says Curtis. The sling chairs, meanwhile, present an edgier scene, backed by a pair of Justyn Chapman prints and a structural Rejuvenation sconce, and given a casual air with a simple wood side table and wispy olive tree - faux, by Behindrequest.the

linen sofa, you get a more familial view, opening onto the kitchen. Architectural details like the ceiling beams lend a natural communication

between the two rooms, which made it easy for Curtis to blend the open floor plan. She further connected the distinct spaces with a uniform color palette and materials. “The thought is creating a sense of cohesiveness,” she says. “You don’t want it to be jarring from the flow of the kitchen to the living room.”

Curtis gravitates toward the same visual landing point whether standing at the kitchen sink or sitting on a sofa: the in-wall fireplace, tucked between two built-in bookshelves and quietly beneath the Frame TV, which itself is disguised with an artistic, black-and-white image. Two wood stools below offer a kiss of warmth. “It’s kind of stunning in a way, but so simple,” says Curtis. “It’s a mo ment of peacefulness that really helps to ground the space entirely.”

Throughout the room, and especially in filling the bookshelves, Curtis sought to introduce balance without veering into an overly symmetrical look. Op posite shelves of the built-ins equally weigh a collection of framed artwork, sculptures, and vessels. The collection repeatedly summons the human form to “provoke a little bit more emotion or thought, even on a subconscious level, because it’s a reflection of us in some way,” she notes.

For Curtis, true elegance is in the nuance. “[Styling is] not a detail; it’s a major element,” she says. Its im portance is on display in the oversize pendants hanging from the ceiling, capped with a small marble ball; the structural side tables with open edges that simulate a current; and the subtlety of the mixed metal tones throughout. “You don’t often see that level of simplicity that Ashley really gravitates to, so I think that it’s much more unique and much more pared back,” Curtis says of the details. “It’s really a lessis-more concept, so that every piece becomes so much more intentional.” It all comes together to create the “spa cious, airy, and open” living room that embodies Curtis’s signature approach, landing with ease in that precarious space between too much and not enough. The same monochromatic, elegant simplicity is mirrored through out the home with no bad angles.

THE PERFECT LEASE IN NOW AVAILABLE! The Regatta is the waterfront building in Port Credit where the trails run along the waterfront just outside its doors and the restaurants, shops and other amenities are plentiful. This 2 bedroom unit, 2 bath room unit is being offered fully furnished so it could be the perfect choice if you are new in town or planning a renovation on your home and need a great place to stay. The second bedroom is currently used as a dining room, but the owner will leave the space empty or make it back to a second bedroom if you need an additional sleeping space.

CAN YOU PROPERTYCLAIMTAXES

ON YOUR TAX RETURN IN CANADA?

Written by Corben Grant - August 25th, 2022 Canadianrealestatemagazine.ca

Buying and owning a home is an expensive endeavour, and the various taxes a homeowner must pay can add up fast. Especially for those who are using their property as an investment and are interested in getting the maxi mum return available to them, minimiz ing their tax payments can be a major way to make owning a home less expensive.

When it comes to homes there are many different applicable taxes while some may be difficult to avoid, such as the capital gains tax, others can be reduced or eliminated entirely. There are numerous costs that a homeowner can write off on their taxes–without landing in trouble with the Canada Revenue Agency.

The issue with these tax savings is you can’t take advantage of them if you don’t know about them. That’s why today we are going to cover some of the things that you need to know you

can claim on your taxes, as well as the things you can’t.

CAN YOU CLAIM PROPERTY TAXES?

When you own a home, you pay prop erty taxes to help fund your local munic ipality and all the services they provide to you as a homeowner. Unfortunately, the cost of property tax can also be one of your largest costs outside of your mortgage payments.

The good news is that in some cases you can deduct property taxes from your tax owing. The main time this will be applicable is when you are using your home to generate rental income. In the case of rental properties, you can claim up to the full amount of your property taxes.

In order to determine how much you can claim, you need to simply divide the total price of property tax by the pe riod of time your home was rented. For example, if you rented the whole year,

you can claim all your property taxes, if you only rented for half the year, you could claim half.

The same may be true for renting a portion of your home - rent only a quarter of your home out and you can only claim a quarter of your property tax at most.

There are also some other scenarios when you can claim some of your property taxes. One such scenario is if you are working from home as an employee who makes a commission. Another would be if you are self-em ployed and use your home for busi ness purposes. Figuring out exactly how much you can claim may be com plicated, so we recommend consulting with a tax professional.

When filing your tax deductions, you will need to use the T776 Statement of Real Estate Rentals form, a T2125 Statement of Business or Professional

Activities depending on if your rent is collected as a business income or not, or a T777 Statement of Employment Expenses, if you are claiming employment Unfortunately,expenses.youcan not deduct property taxes on your principal residence if you are not renting or using it for any business purposes.

CAN YOU CLAIM MORTGAGE PAYMENTS?

In Canada, there is no scenario in which your principal mortgage pay ments can be deducted from your taxes. This is true even if your home is a rental property, or is used for your workspace or business.

CAN YOU CLAIM MORTGAGE INTEREST?

Though you can’t claim your mortgage principal on your taxes, you may be able to claim your mortgage interest. Interest can be a pretty big part of your total mortgage cost, so though you can’t claim the full mortgage payment, deducting your interest will nonetheless result in pretty big tax savings.

Just like with your property taxes, wheth er or not you are able to deduct your mortgage interest will depend on how it is used. The general rule is if your property is used for generating income you can likely deduct some or all of your interest cost.

The same rule also applies with respect to how much mortgage interest you can claim on your taxes: you may only claim an amount proportional to the amount of time and space your rental took up.

You may also be able to claim a portion of your mortgage interest if you are self-employed and a portion of your home is used for business purposes.

CAN YOU CLAIM HOME RENOVATIONS?

Renovating your home can be a rewarding pursuit, but can also be quite expensive. There is in fact a way to receive a tax credit for some or all of a home renovation, though they tend to be re stricted to very specific renovations.

In most cases, home renovations that are able to be tax deducted will gener ally only be those that are undertaken in order to improve a home for an elderly or disabled person. These renovations must also be among those on a list of eligible expenses in order to be deducted. These include things like handrails, wheelchair ramps, and accessible doorways.

The purpose of these tax credits is not so that people can save money by re doing their kitchen or installing a new deck. Rather, they are intended to help make homes more safe and accessible for those in need and to help reduce the cost to these groups who often face financial hardship as a result of their limited ability.

The home accessibility tax credit is available federally, and many provinces offer their own version. The federal government also offers tax deductions for multi-generation home renovations as well as “substantial renovations’’.

Another similar option is the Medical expenses tax credit, which allows you to claim renovations necessary for medical purposes. These are usually non-refundable tax credits, meaning you can only reduce your taxes owing, and will not receive any additional difference back.

Of the provinces, only Saskatchewan offers a less restricted renovation tax credit that is applicable to a much wider range of renovations.

To learn more about renovation tax credits see here, and be sure to consult a tax professional before you make any costly renovations, to be sure they are able to be deducted.

CAN YOU CLAIM HOME OFFICE EXPENSES?

Home office expenses are another area where you may be able to claim some expenses on your taxes, though there are some specific guidelines about what does and does not qualify. In the last two years, however, work-fromhome arrangements have become so common that the CRA has offered a new means of claiming work-from-home expenses that uses a simple flat rate

Ifcalculation.youchoose

not to use this flat rate calculation, you will need to calculate the exact amount of all eligible expens es that you used towards your job, not simply their total price. This can be a bit of a lengthy calculation and will require you to have a lot of supporting documentation to prove your expenses. On the other hand, it will allow you to go far more in-depth on your claim if you feel the flat rate is not appropriate for you and can net you additional tax

Bothsavings.ofthese

claims can be submitted with your tax return using a T777s, or a T777 if you are claiming additional em ployment expenses. More information can be found here, and if you plan on using the detailed method you should

consider consulting with a tax advisor to help you get everything in place.

CAN YOU CLAIM MOVING EXPENSES?

Another home-related expense that many may not realize they can deduct is their moving expenses. As if buying a house isn’t expensive enough, the move to your new home can add an additional cost on top of that. The CRA allows buyers to deduct a reasonable amount of moving expenses in a few select Whethercircumstances.ornotyouqualify

will depend on the reason for your move as well as how far you are going. If you are relo cating for a job or to attend a post-sec ondary program, you may be eligible, provided your new home is at least 40km closer to your job or educational Eligibleinstitution.expenses

for a moving expens es tax deduction include the cost of a title transfer, the cost of officially chang ing your address on any documents, vehicle costs and more.

OTHER TAX SAVINGS OPTIONS FOR HOMEOWNERS

These additional options aren’t neces sarily expenses you can claim, but they are ways you can reduce taxes related to your home.

HOME BUYERS AMOUNT (FORMERLY HOME BUYERS TAX CREDIT)

The Home Buyers Amount is a tax credit designed to help first-time home buyers to save a bit of money on their purchases. Provided you have purchased an eligible home, and no one involved in the purchase has owned another home in the last four years, you may be eligible for a $5000 tax credit, and you may split it with your partner as you like.

This is not to be confused with the Home Buyers Plan, which first-time buyers can use to borrow money from their Registered Retirement Savings Plan. Both options are a great choice however and can be used alongside one another.

LAND TRANSFER TAX REBATES

In many provinces, you will pay a land

transfer tax on any property transfer, and this can be a hefty amount, especially in areas like Toronto where both municipal and provincial tax apply. Luckily, some areas allow you to get a rebate on these taxes.

Most often these are another measure to help first-time home buyers to pur chase their first home. A rebate of this type is available in Ontario, British Columbia, and Prince Edward Island, as well as on the municipal level in To ronto (meaning first-time home buyers here can actually get a double rebate.)

Though the rebate, its terms, and eli gibility conditions will vary by region, buyers can potentially save thousands of dollars on their home purchase if they choose to use this rebate.

GST/HST NEW HOUSING REBATE

Generally, there is no GST/HST required on home sales, though this is notably not true in the case of new home purchases. When you buy or build a brand new home you will probably end up having to pay GST/ HST on the purchase. Luckily, however, you can often get a rebate for some or all of this value.

Before you can claim this rebate however you will need to make sure you are eligible, as simply building a home is not enough. First of all, the home you build or buy must be your principal residence, so new rental builds are out of luck. Your home also must not exceed $450,000 in value when com pleted. Mobile homes and floating homes are also eligible under this rebate.

CONCLUSION

As you can see, there are numerous ways that a homeowner can attempt to reduce what they owe on their taxes in order to help save them money. Un fortunately, there are a whole range of different tax implications when it comes to owning a home, and even if you can reduce your taxes in some areas, you’ll never be able to reduce your taxes

Theentirely.most

important thing to note is that tax laws can get very complicated very fast, and use a lot of technical jargon that you may not be familiar with. Deciphering if you are eligible for a given tax can be hard enough, but calculating your actual deduction can be a whole other issue. If you fail to interpret the tax regulations properly yourself, you risk either not deducting as much as you could have and missing out on savings, or misreporting your taxes and facing an audit or penalties.

All this is to say that when you start to look into ways to approach reducing your taxes, especially in real estate where many different taxes can apply at different times, you need to make sure you consult with professional help. A professional tax advisor can help you to save a lot of money that you otherwise would miss out on, and will prove well worth their costs.

With that warning out of the way, hopefully, you at least now have a better understanding of areas you can begin to look for tax savings on your home or other real estate assets. Best of luck!

®

Theresa Baird is now your RSPS Realtor

BENEFITS OF WORKING WITH A RSPS

THERESA IS A LOCAL EXPERT

Get all the right information about the area - popular attractions to hidden trea sures, high season to low, and trends that impact your investment.

THERESA HAS THE RIGHT CONNECTIONS

Tap into her vast network of property managers, tradespeople, clients, and professionals who provide specialized services.

THERESA WILL FIND THE RIGHT FIT FOR YOU Wheather you want an investment to retire in or a place you can get away to every now and then, Theresa can make your dream a reality.

Theresa Baird

THERESA NOW SELLS PACASO PROPERTIES

FIVE REASONS WHY PACASO

IS BETTER THAN A TIMESHARE

Written by Amy Fisher - August 25th, 2022

Pacaso.ca

At first glance, co-ownership of a Pacaso might not seem that different from a timeshare. After all, you don’t own the whole home yourself, so you can’t just show up on a whim anytime you feel like getting out of town. But, that’s where the similarities end. Start search ing for information on timeshares, and you’ll find a lot of horror stories. Read what Pacaso owners are saying, on the other hand, and you’ll hear how much they love their second homes.

And that’s because Pacaso is not a timeshare, it’s true real estate ownership (but without all the hassles). Here are five reasons buying a second home with Pacaso will fill you with joy, not regrets.

EACH PACASO IS A ONE-OF-A-KIND SECOND HOME

Not just any home can be a Pacaso. We seek out the best homes in the best lo cations - each one is different, and all of them have plenty of “wow” factor. Then

our professional interior designers get to work, selecting the perfect furnish ings, modern amenities and special touches to ensure your home is a place you’ll feel comfortable and relaxed whenever you walk through the door. A Pacaso is a luxurious single-family home away from home. A timeshare is almost always a unit at a hotel or condo com plex. Think cookie-cutter floor plans and typical hotel-style furniture. You might have neighbors on both sides, above and below - hopefully the soundproofing is good.

A SMALL GROUP OF CO-OWNERS ENJOY THE HOME

Because Pacaso limits the number of shares per home to eight, you and just seven other owners, at most, will have access to the home (only one owner will occupy the home at a time, of course). Plus, Pacaso homes are reserved for the exclusive use of owners and their guests - rentals aren’t permitted. Pacaso vets potential

owners, who agree to a common sense Code of Conduct to ensure they will treat the home as their own - because it is! Plus, you won’t feel like you’re “sharing” your Pacaso. We conduct a thorough inspection and cleaning after each stay, so your home is pristine when you arrive.

A timeshare unit may be shared by 52 other people - one person or group for every week of the year. Additionally, some timeshares allow for swaps or rentals, increasing the number of po tential guests.

YOU OWN REAL ESTATE, NOT TIME One of the biggest differences between Pacaso and a timeshare is what you actually own. With Pacaso, you own a true real estate asset. Your share is real property, not simply a block of time. And because it’s a real estate asset, its value will move with the market - which means that any equity realized is yours.

When you purchase a timeshare, you typically own the right to use the property for a period of time, not the property itself. That’s why you can’t usually get a conventional home loan to purchase a timeshare - there’s no “home” as collateral, only time. Financ ing is offered through the timeshare company, often at a high interest rate, and some buyers secure funds through a personal loan or home equity loan. Because a timeshare is not a real estate asset, you are likely to see the value depreciate, much like a new car begins to lose value once it’s driven off the lot. You can use your home year-round

Each Pacaso share gives an owner ongoing access to their home, and most owners stay 6-7 times per year. You aren’t locked into a specific week or weeks each year, and you don’t even have to schedule week long stays. You can enjoy a weekend getaway or a midweek escape, and you have the flexibil ity to plan stays anywhere from 8 days to 24 months in advance. Short-notice stays can be booked just two days in advance! You’re also guaranteed one “special date” per year, which includes select federal holidays and locally rel evant dates. You may not get your first choice every year, but since you can book dates up to two years in advance, you’ll always have another opportunity to snag your favorite. You book time

at your home using the Pacaso app, powered by our SmartStay™ scheduling system. It’s easy to use and equitable for owners, based on the number of shares you own.

When you buy time at a timeshare, you’re often locked into a fixed week, year after year. You may have a “floating week” option, but your choices are still restricted to a range of dates. With either option, you can only check in on certain days, and you typically must book a full week. There are exchanges and point-based systems which allow you to choose different resorts, but you’ll often pay extra for more desirable locations, and availability can be limit ed. If you have a fixed-week schedule, you may never get a particular holiday week if it was already locked in by another owner.

THE RESALE PROCESS IS STREAMLINED

We think you’ll love your second home for years to come - but when it’s time to sell, we want that process to be as smooth and simple as the purchase process. You set the price you want, and we’ll market and list the home much like a traditional real estate listing. Because our homes are thoughtfully selected and located in some of the most desirable second home markets, we’ve experienced strong buyer

demand for Pacaso shares. On average, Pacaso listings resell in 12 days, with a 12% gain, on an annual basis.

For timeshare owners, resale is one of the biggest sources of stress. There’s a supply and demand imbalance, with a glut of sellers trying to get rid of their units (and the accompanying resort fees) to a smaller pool of buyers. There is a resale market, to be sure, but most people end up selling at a huge loss - you’ll find sellers on Ebay asking just a few hundred dollars (or less!) for their timeshares. There’s also a whole industry of timeshare exit com panies that will help you offload your timeshare for a fee - and, unfortunately, many of them have been known to take advantage of sellers. According to U.S. News & World Report, you should “buy for the memories,” not because you expect to turn a profit.

EXPERIENCE THE JOY, NOT THE REGRETS

Pacaso offers exceptional second homes in top locations. Our pricing and costs are transparent and equita ble, and you’ll never be surprised by hidden fees or bound to a rigid schedule. Instead, you get to enjoy your own private, luxurious oasis throughout the year, while Pacaso takes care of mainte nance and property management. View our listings to get started.

LIVING IN SPLENDOR! Villa Pacific is a spacious 5 bedroom, 5.5 bathroom Malibu home with folding glass doors, a rooftop deck and a heated pool. The living and dining rooms are perfect for oceanside entertaining, with glass doors, beamed ceil ings and antique French stone floors. The gourmet kitchen has high-end appliances, custom cabinets and a prep island. The upstairs primary suite is a private retreat, with a fireplace and two walls of glass doors opening to a private balcony. The ensuite bathroom offers a mosaic tile shower, dual-sink vanity and soaking tub. The home includes four more bedrooms, plus a library with a desk and reading nook. Topping it all off is a rooftop deck with the pool, a hot tub, fireplace, built-in BBQ and outdoor kitchen. The home is currently undergoing a design refresh. It will have all new furniture and be professionally decorated.

Living here

Written by Victoria Gibson / Photography by Toronto Star Toronto Star

People come to the Toronto Rent Bank in dire straits: when they can’t scrape together a first-and-last-months-rent deposit or, more commonly, when they can’t come up with the money they owe to their landlord.

The program - funded by a combination of tax-based city funds and provincial homelessness-prevention dollars, and then administered through the notfor-profit Neighbourhood Information Post - offers those households a lifeline. It previously offered loans to eligible tenants but now gives grants instead.

More and more, Toronto households are turning to its coffers. Where 861 households were approved for rent bank aid in 2019, totaling $2.1 million in assistance, that surged to 1,717 households - and more than $5 mil lion in assistance - last year. This year, the rent bank is on pace to offer even more, with $3.5 million in grants approved as of July, representing aid

for 1,267 households so far. “We’re trending upwards,” Don Nicholas, city hall’s manager of housing stability services, told me this week.

Abi Bond, executive director of To ronto’s housing secretariat, believes there are a variety of factors at play, including increased awareness of the program and the shift from offering repayable loans to non-repayable grants. She sees the latter as more attractive to households in financial

Butdistress.Bond

also pointed to the shifting rental market, where families are spending an increasingly large slice of their income on housing costs and where rents are shooting up to record rates across the city. In July, the average one-bedroom unit listed on rentals.ca in Toronto cost $2,257 a month, rising to $2,782 for a two-bedroom. This week, as reported by the Star’s Tess Kalinowski, market research firm Urbanation found

the cost of renting a condo hit a record high in August, with an average rent cost of $2,806 per month. “People are feeling the squeeze,” Bond told me.

The city recently upped the incomeeligibility limits at the rent bank to reflect families with higher incomes struggling in today’s market. A single person making up to $46,500 per year who doesn’t receive social assistance now qualifies to use the rent bank, as does a couple making up to $52,000. That rises up to a maximum of $91,366.66 per year for a family of Theseven.increase

in rent bank usage didn’t come as a shock to Bahar Shadpour, a policy manager with the Canadian Centre for Housing Rights, formerly known as the Centre for Equality Rights in Accommodation. Shadpour told me that in the last year, the centre saw a 24 per cent increase in calls to its legal services line, which is meant for ten

ants facing eviction or human rights-re lated housing issues.

“People are struggling more and more every day,” she said.

GTA HOME PRICES CLIMB 0.4 PER CENT TO $1.08 MILLION by the Torstar Open Data Team in August

The2022average price for a home in GTA was $1.08 million in August 2022, according to the Toronto Regional Real Estate Board. That’s up 0.4 per cent or $4,746 from July 2022 and up 0.8 per cent or $8,589 compared to August

There2021.

were 5,627 home sales in GTA after an average of 22 days on the market and 13,305 active listings at the end of August. Sales were down 34.5 per cent and active listings were up 62.2 per cent compared to a year ago. Detached houses averaged $1.38 mil lion, up 1.3 per cent or $17,102 month-

over-month but down 3.1 per cent or $44,107 year-over-year. There were 2,595 detached house sales and 6,091 active listings at the end of the month.

Semi-detached houses averaged $998,490, down 7.4 per cent or $79,260 month-over-month and down 3.2 per cent or $33,090 year-over-year. There were 526 semi-detached house sales after an average of 18 days on the market and 738 active listings at the end of the Attachedmonth.houses

averaged $987,308, down 1 per cent or $10,360 monthover-month but up 1 per cent or $10,181 year-over-year. There were 524 attached house sales after an average of 20 days on the market and 782 active listings at the end of the month.

Townhouse-style condos averaged $789,386, down 1.3 per cent or $10,567 month-over-month but up 3.2 per cent or $24,644 year-over-year.

There were 411 townhouse-style condo sales after an average of 22 days on the market and 1,052 active listings at the end of the Apartment-stylemonth.condos averaged $711,321, down 1.1 per cent or $7,952 month-over-month but up 3.3 per cent or $22,753 year-over-year. There were 1,507 apartment-style condo sales after an average of 25 days on the market and 4,539 active listings at the end of the Comparedmonth.

to August 2012, the av erage sale price for all houses and condos in GTA has increased 125.3 per cent, including a $772,771 gain for detached houses, a $560,529 gain for semi-detached houses, a $657,175 gain for attached houses, a $461,530 gain for townhouse-style condos and a $303,400 gain for apartment-style condos.

FAR AND AWAY DOWN SOUTH

WELCOME TO THE BROOKS COMMUNITY! Welcome home to this gorgeous 2 bedroom, 2 bathroom, second-floor unit. Light, clean, bright, meticulously kept, and just wait until you see the amazing lake and golf course views from the screened-in lanai. Fabulous separate owners closet with keyed entrance in master closet. You can grill right outside your front door and the community pool only steps away, sun and fun is always within reach. Spring Run is a bundled golf community situated on 200 acres and offering a complete calendar of social events alongside fantastic amenities, including four Har-Tru tennis courts,2 bocce courts, fitness room, community pool and a 15k square foot clubhouse featuring fine and casual dining, currently under renovations to add outdoor dining. The 18-hole par 72 golf course offers five sets of tees, allowing each golfer to tailor their experience to their skill level. The golf course is in the final stages of being re-grassed. Private beach membership available to residents via The Commons Club at The Brooks. Located west of I-75, Spring Run is close to Coconut Point Mall, Southwest Florida International Airport and only 8.7 miles to the beach.

FAR AND AWAY DOWN SOUTH

LIFE IS GOOD IN NAPLES! This thoughtfully renovated pool home by Hawaii based builder and designer duo features a sprawling single level floor plan which boasts a beautiful 12’ quartz island with waterfall sides and seating for five as the epicenter of a cozy open concept floorplan. The formal dining area showcases built-ins and is adjacent to a cozy living room with wood burning fireplace. The beautiful chefs kitchen overlooks your new pool + spa with water features and fenced in backyard with green space for your family to enjoy! The spacious family room has an accent stone feature wall! This home has numerous new upgrades to include but not limited to an inground pool/spa with water features, high impact windows, origin high impact doors, ac unit with two zones, gutters, hot water heater, recessed lighting, high-end appliances including Viking induction cooktop, white oak hardwood engineered flooring, natural stone tile, Italian tile (entry and patio), cabinetry and hard ware, fresh Florida landscaping, sprinkler system, and black aluminum fencing. Now is the time to enjoy this gorgeous move-in ready Naples luxury living home!

FAR AND DOWN SOUTH

CHARMING 2 STOREY HOME ON PRIVATE 1.4 ACRE LOT! As you enter your home foyer your eyes are drawn to the high ceilings and up to your open concept family and dining room space overlooking your mature tree-filled backyard. Your family room expands as you open your sliding door to your tranquil backyard and breathe in the crisp lush fresh air. Your master bedroom is complete with ensuite bathroom with double sinks and a bathtub/shower combination. Located on the same floor are two guest bedrooms with new carpet which share a guest bathroom with bathtub/shower combination. As you make your way downstairs to your spacious bonus room complete with beautiful built-in wooden shelving you will find your third guest bedroom and bathroom with backyard access. This is the perfect plan for the owner who needs a separate living space for family or works from home. Are you looking for a charming home, ample space to park your RV, cars, boat, to enjoy outdoor living,and be free of HOA fees? Look no further, this home has it all! An oversized garage with room to keep your bikes, toys and accessories. Enjoy your privacy!

FAR AND AWAY DOWN SOUTH

Florida Investment Opportunities we’re offering this month

3,016 SQUARE FOOT BUILDING WITH 6 APARTMENT UNIT ONE BLOCK FROM THE DAYTONA BEACH PIER

Multi family building with 6 units.

4,224 SQUARE FOOT BUILDING WITH 4 UNIT DOWNTOWN QUADPREX IN TITUSVILLE

Multi family building with four 2 bed room, 1 bathroom individual units.

2/1 LOW HOA CONDO IN DAYTONA BEACH

2 bedroom, 1 bath 932 square food condominium with $175/month HOA

Are you looking to purchase a rare multifamily property and turn into a profitable short-term rental (Airbnb, VRBO). This is the one! One block from the beach right off South Atlantic Ave, minutes from shops, restaurants, hotels, International Speedway Blvd, the Daytona Beach Main Pier and the Daytona International Airport. Currently all 6 units are occupied by tenants and who are responsible for common area expenses and all utilities. Shared washer /dryer for the building (Coin Operated). The unit mix consists of, unit breakouts are One 2 bedroom with 1 bath unit, five 1 bedroom with 1 bath units.

First time to market. Great opportunity to add a multifamily asset to your investment portfolio. Rents are below market and all 4 tenants are on month to month leases which allows significant upside for the new owner to increases rents either as-is or to renovate and get much more rent. High traffic area within the downtown Titusville city limits which is ideal for attracting renters. Limited vacancy, the last unit rented within 5 days which shows huge de mand in the area of affordable hous ing. Minutes from Playa Linda Beach, shops, restaurants, Nasa Causeway and I-95 which makes getting anywhere in Brevard and the beaches a breeze.

Thisfees.first

floor unit is vacant and has been tastefully updated. Centrally located, quiet and peaceful condo community in the heart of Daytona. This home features an open living space with wood floors throughout. The master bedroom is spacious and comes with walk in closet. You will be just blocks to the Halifax River and a couple of miles from Daytona Beach. Walking distance to Daytona Golf and Country Club, marina, shops and restaurants. This is a great starter investment property and can be rented out immediately due to location and access to major employers, I-95 and the Daytona International Airport.

Theresa will connect you with the right Florida Realtor®. These properties supplied by Kevan Patel.

RISOTTOSQUASHBAKED

WITH A CRISPY CRUMB TOPPING

Written by Irene Matys LCBO.com

This baked, no-stir risotto would be blasphemy in Italy, but truthfully, most people won’t know the difference. It stars rich, sweet Hubbard squash, and the cooking water for the squash gets used as broth, which further amps up the pumpkin flavour. This would also be terrific made with sugar pumpkins.

INGREDIENTS

SQUASH PURÉE AND STOCK

1 Hubbard squash, 1 1/2 lbs (680 g), washed with skin on 5 cups (1.25 L) water 1/2 tsp (2 mL) salt

1RISOTTOcup(250 mL) thinly sliced onion

3 tbsp (45 mL) unsalted butter, divided 1 cup (250 mL) coarsely grated zuc

1chini1/2 cups (375 mL) arborio rice 1/2 cup (125 mL) dry white wine 1 1/2 tsp (7 mL) salt 1/2 tsp (2 mL) freshly ground pepper 1/2 cup (125 mL) grated Pecorino Romano

1/4TOPPINGcheesecup(60mL)

light olive oil

4 large sage leaves plus more to 1/2garnishcup (125 mL) seasoned panko bread crumbs

DIRECTIONS

1. For the squash purée and stock, cut squash in quarters and scoop out seeds. Place in a large pot with water and salt. Bring to a boil and reduce heat to simmer. Simmer until squash is

soft, about 10 minutes. Remove squash with a slotted spoon and place, skin-on, in a blender. Purée until creamy. Reserve 3 cups (750 mL) stock and keep hot. Remaining stock can be stored in an airtight container in the fridge for 4 to 5 days.

2. Preheat oven to 350°F`(177°C).

3. In a large Dutch oven with a lid, add onions, 1 tbsp (15 mL) unsalted butter, grated zucchini, rice, wine, 2 cups (500 mL) squash purée and 3 cups (750 mL) squash stock. Season with salt and pepper. Stir to combine. Cover with lid and bake until rice is tender, 45 to 50 minutes.

4. While risotto is baking, make topping. In a small saucepan, heat oil over medium-high heat. Add sage leaves and fry until crisp, about 30 seconds. Remove with a slotted spoon; drain on paper towel. Add panko and cook, stirring, until golden, about 1 minute. Remove from heat. Finely crush four sage leaves and mix into panko

5.crumbs.Remove

risotto from oven and stir well. Stir in remaining 2 tbsp (30 mL) butter and cheese. It should have a creamy consistency and will start to thicken as it sits, covered, about 5 to 7

6.minutes.Platerisotto and top with panko topping. Garnish with extra crispy sage leaves, if using.

Serves 6 as a main, or 8 as a side.

Why Is the Realty Group One of the Best in its’ Marketplace?

I am writing this email to provide testimonial towards the real estate sale service I acquired with your team early this year. I had the pleasure of keeping up with the market value and sales activity of Craftsman condo by reviewing the periodic newsletter from Theresa's team prior to reaching out for the sale of the unit I had owned at the time. This bode well with being able to trust in Team Baird's knowledge in leading and executing the sales effort. When I reached out to her team, I immediately felt that I was in good hands for the sale of my condo unit - Theresa and her team were able to provide me with clear guidelines and agenda of how we will tackle the market.

Once they went to work, everything was executed to the plan without hiccups: staging, photo and video shoot, going live with the advertisement by use of the latest marketing techniques, scheduling and inviting in buyers, negotiating the details, agreeing on sale, and finally closing. Everything went smoothly and there were no delays - this allowed us to enter the market at a very good time which led to receiving overwhelming multiple offers. In the end, we made a sale at about 15% higher than the listed price - I was extremely pleased with this outcome and further became satisfied with Theresa's team's Lindsayeffort.was

a pleasure to work with who handled a bulk of the sales work - she paid attention to details and showed a lot of care towards the effort. She ensured everything went smoothly by staying in touch with me throughout the effort and allowed me to be at peace - Thank you!

I highly recommend Theresa's team on any real estate sales effort throughout GTA. They are diligent, transparent, and most importantly, know their work. Thank you to Theresa and her team on this successful sales effort and I wish your team all the best going forward!

- Peter Kim

Thank you Theresa and Lindsay for all your hard work. We truly appreciate getting the quick sale and for your help in negotiating the dollar amount which we are very happy with.

Hope you can enjoy some much needed time for yourselves.

- Peter and Nicole

MEET THE TB REALTY GROUP

Theresa Baird - Broker

Theresa was born in Toronto and raised in Durham region. Her first job took her west into Oakville where she had the opportunity to work for a company that allowed her to exten sively travel throughout Ontario, then Canada and then throughout the United States.

Theresa has been selling Real Estate for 22 years. She has helped hundreds of clients buy their first home, move up to more significant properties, downsize to smaller homes, relocate to other communities, provinces or even sell and lease back their homes.

Theresa’s team covers the Greater Toronto area; they specialize in selling in Toronto, Mississauga, Oakville, Vaughan, Milton, and Burlington. Snowbirds use our referral opportunities for properties in the USA.

Theresa lives in Mississauga with her husband Bob. In her free time, she enjoys spending time at the cottage in Muskoka or her home in Florida with her family including her grandchildren, Jack and Morgan.

Theresa aims to provide her clients with the highest level of service and takes pride in helping them achieve their Real Estate Investment goals.

Lindsay Meadwell - Real Estate Agent

Lindsay believes in the importance of developing strong client relationships that will last a lifetime. With the goal of exceeding her clients’ expectations, Lindsay enjoys working with families from all over the GTA making their real estate transactions as smooth and seamless as possible. She has quickly learned that by providing an elevat ed level of service to her clients and always putting their best interest above all else, she will consistently achieve a successful outcome.

Lindsay’s career in real estate began years ago as an administrator, allowing her to develop a unique and extensive level of knowledge of all aspects of the real estate world, as she learned the business from the ground up. Since then, she has developed relationships with her clients that reflect her com passion, sincerity, and hard-working attitude, when representing their interests during the buying or selling of their

Havinghomes.lived in Mississauga, and later raising a family in Oakville, Lindsay has extensive market knowledge of a wide range of its family-friendly neighbourhoods. You will find that she is easy to work with, readily accessible, and highly motivated to achieve your desired results. With her genuine love of real estate and strong profession al approach, she is passionate and committed to handling every transaction with the utmost integrity and attention to detail.

As a wife and mother to her three boys, Lindsay has lived in Oakville for over 18 years and has extensive involvement and insight into the schools, services, and activities that make these communities an exceptional place to raise a family.

Lindsay is proud to work with the group of dedicated, hard-working realtors at the TB Realty Group, who consistently ensure the highest level of service and professionalism and looks forward to developing a relationship with you in the future.

MEET THE TB REALTY GROUP

Julia Baird-Oryschak - Real Estate Agent

Julia has worked and trained across the globe and brings her go-to-market strategies, campaigns and domestic expansion skills to the TB Realty Group. After completing her BSc and BBA she has joined the TB Realty Group where she brings her great customer skills and resourcefulness into play.

Samantha McGrath - Real Estate Agent

Samantha has worked in the Real Estate world for the last 6 years, working in both the Keller Williams brokerage offices. During her time in the brokerage she on-boarded and trained new agents on Keller Williams technology and systems to implement in their business to establish efficiency and consistency. Samantha decided she no longer wanted to be on the outside of the action and completed her Real Estate courses in 2020. Samantha has an unwavering commitment to a high level of client service that she developed while working at one of the world’s leaders in customer service, Walt Disney World. Samantha loves to bring a little Disney to everything she does. Saman tha has lived in North Mississauga with her 2 children for 17 years.

Carolina Mauti - Administrative Assistant

After years of working as a successful real estate sales representative, Carolina has made the decision to move into an administrative role. This history provides her with the unique knowledge of every step of selling and buying homes. Add to that her can-do attitude and you have the perfect mix of abilities to juggle the many tasks of real estate.

Dereck Addie - Graphic Designer

Dereck has been working in the graphic design field for over 20 years and enjoys the challenges of working with the TB Realty Group.

EXPLORE THE EXPANDING WORLD OF REAL ESTATE WITH THERESA BAIRD IN THESE TWO NEW PUBLICATIONS

Are you ready to tap into the best-kept secrets of successful home sellers? You can sell any home in any market when you know these secrets. This book reveals the most effective tactics to get the most money out of your home in the shortest amount of time with the least amount of hassle. These strategies have helped sell thousands of homes and now, you can have them all at your fingertips. For your free digital copy go to: https://theresabaird.book.live/ca-biz-card-book

Home by Design is a published magazine that we offer to our clients every bi-month. If you would like to be added to our subscription list, please email Theresa directly at: tbaird@tbaird.com