The Real Estate Book Hamilton 22.10

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GREATER HAMILTON

HOME & LIFESTYLE GUID E Volume 22, Issue 10

PROUDLY PRESENTING

GORGEOUS MULTI-FAMILY HOME ON PRIVATE 85’ X 270’ LAKESIDE PROPERTY ON DESIRABLE LAKE STREET, GRIMSBY MORE INFO ON PAGE 10 TEXT RBFWSTZ TO 52187

RealEstateBook.com

Request FREE MAGAZINES online, or call 800-841-3401

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Lynn Fee

Sales Representative Keller Williams Complete Realty, Brokerage 905.975.1055 www.lynnfeeteam.com

2020-09-23 10:58 AM


2

Serving Southern Ontario| 1-833-385-9205 | 905-389-6734 | info@reishadass.com FREEHOLD TOWNHOUSE

HAMILTON MOUNTAIN

TORONTO

STONEY CREEK MNT Newer neighbourhood. 3 bedrms (master w/ensuite), 2+1 baths. Fully finished basement. Open concept main flr w/patio door to large 2 tiered deck.

QUALITY BUILT BUNGALOW Approx 2,500 sq ft, 5 bedrm, 3 bath home. Ideal for a large family with an in-law suite, or live and rent.

CONDO FOR LEASE in the heart of Toronto. 2 bedrm, 2 bath, eat in kitchen, ensuite laundry plus 2 solariums. 1,200 sq ft with lots of natural light.

TEXT RBFWYCV TO 52187

TEXT RBFSZGT TO 52187

TEXT RBFSZGP TO 52187

W W W. R E I S H A D A S S . C O M

ELLEN BOYCE

KRISTA HANN SALES REPRESENTATIVE

BROKER

www.ellenboyce.com

www.kristahann.com kristahann@royallepage.ca

905.648.4451

Text RBFQXXY RENOVATED HOME ON HUGE COURT LOT 6 bdrms & 5 baths. Vaulted ceilings with skylights, 3 FPs, hardwood throughout & gourmet kitchen. Finished walkout lower level makes an ideal in-law/nanny suite! $2,280,000

Text RBFWWJF DESIRABLE PINERIDGE ESTATES 4 bedroom home, open concept main level with oversize kitchen, fully finished basement. Fenced, private rear yard. Close to schools, parks and trails. Easy hwy access. $998,000

2015-2017

Text RBFWWJH STATELY 2.5 STOREY in trendy Hamilton core, completely & tastefully renovated/restored with quality, stylish finishes. 4 bedrooms, 2.5 baths & detached garage. $749,900

To get more info & photos on these listings, text the code to 52187.

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www.lynnfeeteam.com team@lynnfeeteam.com

149 LAKE STREET, GRIMSBY | $2,250,000

62 LAKE STREET, GRIMSBY | $1,848,000

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162 DORCHESTER DRIVE, GRIMSBY | $1,089,000

TEXT RBFWSTZ

TEXT RBFWLLB

AMAZING WATERFRONT BUNGALOW www.149lakestreet.com

MULTI-GENERATIONAL FAMILY HOME www.62lakestreet.com

MAGNIFICENT FAMILY HOME www.162dorchesterdrive.com

33 TUNBRIDGE CRESCENT, GRIMSBY | $849,000

#7 - 8 MARY DRIVE, GRIMSBY | $825,000

11 PLUM TREE LANE, GRIMSBY | $799,000

TEXT RBFWNJV

TEXT RBFLVVQ

TEXT RBFWNFK

STYLISH & ELEGANT BUNGALOW www.33tunbridgecrescent.com

GORGEOUS BUNGALOW www.7-8marydrive.com

PICTURESQUE FAMILY HOME www.11plumtreelane.com

611 - 550 NORTH SERVICE ROAD, GRIMSBY | $599,818

256 WELLINGTON ST NORTH, HAMILTON | $399,900

4686 THIRD AVENUE, NIAGARA FALLS | $325,000

TEXT RBFGGMW

TEXT RBFWSVY

TEXT RBFWYFC

BRAND NEW CONDO OVERLOOKING LAKE www.611-550northserviceroad.com

OLD MEETS NEW www.256wellingtonstreetnorth.com

DUPLEX IN THE HEART OF TOWN www.4686thirdavenue.com

5138 GREENLANE ROAD, BEAMSVILLE | $649,000

4550 GARDEN GATE TERRACE, BEAMSVILLE | $539,900

5049 DESANTIS DRIVE, BEAMSVILLE | $529,000

LD SO

LD SO

COUNTRY LIVING CLOSE TO TOWN www.5138greenlaneroad.com

CHARMING & PRIVATE EXECUTIVE TOWNHOME www.4550gardengateterrace.com www.5049desantisdrive.com Text the unique Text Codes to 52187 for more information & photos

kw

KELLERWILLIAMS COMPLETE REALlY

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Sales Representatives Representatives:: Lynn Sales LynnFee, Fee,Stephanie Stephanie McIvor, Mcivor, Wendy Murray MurrayNicholson Nicholson,& Torrin TraceyFee, Cerisano, Wendy Broker & Torrin Fee, Broker

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LD SO

TOLL FREE

GRIMSBY

OFFICE

1-833-LYNN-FEE

905-945-6494

905-975-1055

(1-833-596-6333)

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Reach out to us today to discuss how our experience can be your asset in these challenging times.

We are very proud to be able to continue to serve our clients through this pandemic with our MOSTLY VIRTUAL real estate services as we cater our high level services to all scenarios. We coach our clients on how to sign documents electronically, how to have virtual meetings with us, and most importantly how it’s possible to buy or sell a home while potentially staying in yours. We have successfully sold homes without a physical showing, with restricted access, and while all visitors must follow our strict safety precautions. We understand that selling a home can be stressful in the best of times, and that this pandemic can amplify that. We are here to help.

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5

LOOKING LOOKING IN IN DUNDAS? DUNDAS? PPI ICCTTUURREE PPEERRFFEECCTT

10 10 Hatt Hatt Street, Street, Dundas Dundas $1,595,000 $1,595,000 CCHHAARRM MI INNGG 11 11//22 SSTTOORREEYY OONN I INNCCRREEDDI IBBLLEE LLOOTT

208 208 Governor's Governor's Road Road ,, Dundas Dundas $749,900 $749,900 EESSCCAARRPPM MEENNTT && CCRREEEEKK VVI IEEW WSS

804-2000 804-2000 Creekside Creekside Drive, Drive, Dundas Dundas $649,900 $649,900

Sarit@ZalterRealEstate.com Sarit@ZalterRealEstate.com Direct: Direct:905.515.1950 905.515.1950

Jordan@ZalterRealEstate.com Jordan@ZalterRealEstate.com Direct: Direct:905.515.6331 905.515.6331

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Luke O’REILLY broker

905.525.3737 | 1.877.648.4451

TEXT RBFWWJS TO 52187

TEXT RBFQVBP TO 52187

TORONTO CONDO STEPS TO U OF T CONDO LIVING AT 101 LOCKE Rare opportunity! Beautiful 2 bdrm, 2 bath corner unit with Tastefully upgraded 1 bedroom plus den, 1 bath, 719 sq ft 947 sq ft of living space. One underground parking spot & unit. Upgraded oak hardwood floors, gorgeous kitchen, one storage locker. Luxury building with amenities including pot lights and upgraded light fixtures throughout, in-suite concierge, rooftop terrace, exercise room & so much more! laundry. 1 underground parking & locker. $929,900 $599,900 TOP 35 UNDER 35 WITH ROYAL LEPAGE (2019) TOP 2% IN SALES NATIONALLY WITH ROYAL LEPAGE

LUKEOREILLY.CA MOBILE FEATURES in our

PRINT ADS

TEXT CODES

found in this magazine

allow mobile phone users to instantly view a mobile site for more photos and details about the listing.

send

TEXT CODES

2019

S A L E S

R E P R E S E N T A T I V E NRC Realty Inc. Brokerage

Independently Owned & Operated

OFFICE: 905-774-7511 | DIRECT: 905-961-5344

www.lindaleslie.com 1244 BROAD STREET EAST, DUNNVILLE

for more info

87 521 4 584 R21

$399,900

THE

*Standard text messaging fees apply

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GREAT RETIREMENT OR STARTER with room to grow. Large country lot on edge of town. 3 bdrms, 2 baths (renovated), roof (2015), furnace & air conditioning (2017). TEXT RBFXBHS TO 52187.

120 MARKET STREET, DUNNVILLE

Real Estate Book®

WWW.REALESTATEBOOK.COM

2019

Linda LESLIE

to 52187

et 3Z5 Stre L7M Main ON 123 kville, Oa

2019

$350,000

GREAT LOCATION in heart of downtown, but off beaten track. Building set up for auto repair and sales but could be restaurant/ garden supply/florist – the list goes on. TEXT RBFKTDY TO 52187.

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UNMATCHED STYLE & SPACE! Captivating custom built 2 storey home for the buyer wanting MORE. Alluring design & an abundance of space throughout with 4+1 bedrooms, 5+2 bathrooms + a finished lower level ideal for in-law setup! Views of nature & walkouts to deck, hot tub & resort-like covered pool surrounded by beautiful landscaping! All in a quiet yet convenient Dundas locale steps to conservation, schools, McMaster & the quaint downtown village. EXPERIENCE IT FOR YOURSELF! 78 Terrace Drive, Dundas. $1,429,900

A HISTORIC LANDMARK! Own a piece of history in the beautiful Pigott Building - Hamilton’s first skyscraper! 2 bedroom, north east corner-unit condo. Bright & spacious open concept layout. Walk-in closet in the master. 2nd bedroom with built-in desk & shelving - a perfect home office with great views! Includes underground parking, locker, fitness room, & party/ billiard room. A secure building & steps to EVERYTHING! 402-36 James Street South, Hamilton. $329,900 Very professional and efficient. I used Colette for the sale of my last house and didn’t think twice about using her again!!! She navigates the field of real estate with ease and knows what works! -F. Mortensen

CC SOLD 508-66 Bay Street South, Hamilton

Colette and her team have helped us twice - buying our first home and selling and buying a second time. We could not be more happy working with Colette. She truly cares about our needs and looks out for us. She is honest and upfront and is an expert at what she does. We are so thankful for her - she sold our house during the pandemic! You can’t get much better than that. Don’t hesitate to work with Colette.” -A. Anderson

CC SOLD 8-31 Moss Boulevard, Dundas

& ASSOCIATES

905.648.4451 Colette Cooper Broker

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colettecooper@royallepage.ca www.colettecooper.com

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G R E A T E R

H A M I L T O N

VOLUME 22 ISSUE 10 PUBLISHER

Tim Root

VP SALES & BUSINESS DEVELOPMENT

Fred Ferri

PRODUCTION MANAGER

Sarah Root

ART DIRECTORS

Jennifer Brewster Vanessa Chong Sarah Lush CONTRIBUTING WRITERS

HALTON HAMILTON HOMES Search ALL homes listed for sale on MLS, view our digital magazines, research local real estate market trends and insights, get home buying and selling tips, and more! From the same team who produce The Real Estate Book for the Halton and Hamilton region.

HaltonHamiltonHomes.com

! TheRealEstateBook $ The.RealEstateBook

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Jason Woods Celina Ip

MARKETING & COMMUNICATIONS COORDINATOR

Celina Ip

Next Issue Submission Deadline OCTOBER 15, 2020 For Advertising or General Inquiries:

905 845 8732

info@trebpublishing.ca trebpublishing.ca Request a FREE MAGAZINE from any market across North America at 1.800.841.3401 !"$ RealEstateBook.com Want to see your home advertised in this magazine or featured online at RealEstateBook.com? Contact any of the top real estate professionals advertised in this issue. Another fine product from NewPoint Media Group, LLC. Bee Cave, TX © 2016, NewPoint Media Group, LLC PRINTED IN CANADA

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9

Jennifer Ferreira

Nancy Mazza

Fiona Chiu*

Shelly Baker-Gracie*

E. Martin Mazza*

Cyndi Love**

Nancy Mungar*

Ivan Kamladze*

Emily DeNardis*

SALES REPRESENTATIVE* | BROKER**

TEXT RBCTHVH

TEXT RBFMLZS

TEXT RBFWQDY

GRIMSBY COMMERCIAL BUILDING $1,475,000 New build at Bartlett and Main St in Grimsby - stone and stucco facade - high ceilings - large windows - rear parking - elevator - signage.

"MALIBU BEACH" STYLE LAKEFRONT BEAUTY IN STONEY CREEK! $1,399,900 3 BRs - 2.5 Baths - 5 lvls balconies facing Lake - views of Toronto Skyline - on private road - hardwood floors - potlights - custom blt kitchen - high-end appliances & much more!

WONDERFUL RANCH ON 1.295 ACRES IN GLANBROOK $889,900 3 BRs - 2.5 Baths - over 1,600 sqft 150x375 ft lot - 20x40 ft inground pool in-law suite w/sep entrance - updtd roof & windows - 2 front doors - large lookout bsmt wndws - close to all amenities.

TEXT RBFRFPK

STONEY CREEK END-UNIT TOWN WALKING DISTANCE TO LAKEFRONT! $759,888 3+1 BRs - 3.5 Baths - at Newport Yacht Club - lots of space granite counters - hdwd & ceramic floors - large private deck - updtd roof, furnace, windows & a/c - walk-out basement

TEXT RBFNMKZ

TEXT RBFWHXJ

FABULOUS EAST HAMILTON COURT W/IN-LAW SUITE! $749,900 3 BRs+loft - 3+1 Baths - steps to all amenities - minutes to QEW, Redhill & proposed GO Station - court location - 2 stry - large foyer - famrm w/fp - main floor laundry - fin'd bsmt - double drive.

FANTASTIC RAISED RANCH IN EAST HAMILTON! $639,888 3+1 BRs - 2 full Baths - in-law suite with separate entrance updates include windows, kitchen, baths, furnace & central air - move-in ready.

Change Your Home, Change Your Life®

changeyourhome.ca 1-877-475-0230

*!"'

TEXT RBFWTDL

TEXT RBFWQPB

SUPER CUTE BUNGALOW IN EAST HAMILTON $499,900 2 BRs - 2 full Baths- finished top to bottom - 2nd BR converted into DR but can easily be changed back - nice size recrm in bsmt beautifully landscaped backyard - single detached garage - driveway for 3 cars.

FABULOUS WATERFRONT CONDO IN STONEY CREEK! $429,900 2 BRs- 1.5 Baths- spectacular views of Lake Ontario uptd kitchen- new vanities w/quartz countersupdtd flooring- all appliances includedamenities incl pool, social rm, woodworking shop & more - immediate occupancy.

TEXT THE CODE TO 52187 FOR MORE LISTNG INFORMATION AND PHOTOS

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TAKE A

VIDEO TOUR

ON THE COVER

CLICK HERE to view a video tour of this beautiful home!

GORGEOUS MULTI-FAMILY HOME! Are you searching for the perfect home & property to accommodate TWO OR MORE FAMILIES? 62 Lake Street in Grimsby offers THREE UNIQUE HOMES in one with SEPARATE yet convenient living arrangements! Built in 2012 and located on a PRIVATE 85’ x 270’ landscaped property in a mature, LAKESIDE neighbourhood, this beautifully designed, custombuilt BUNGALOW boasts 6000 PLUS SQ FT including 3 kitchens, 3 livRms, 2 sunRms, 9 bedRms, 5 baths, 2 gas FPs & SO MUCH MORE!

62 LAKE STREET GRIMSBY $1,848,000 Text RBFWSTZ to 52187 for more information.

LYNN FEE For more information on this property and others in the area please contact

Sales Representative

905.975.1055 Keller Williams Complete Realty, Brokerage team@lynnfeeteam.com lynnfeeteam.com

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GirarD T E A M

girardteam.ca

905-802-4769

TINA GIRARD

KEVIN GIRARD

JAKE ROBERTS

info@Gteam.ca

S A L E S R E P R E S E N TAT I V E S

Top 2% in Canada for Royal LePage

ANCASTER - $2,749,000

DUNDAS - $1,495,000

LUXURY BUNGALOFT – Exceptional custom built home on a premium pieshaped property (70 x 214 ft. with 132 ft. rear) in the prestigious Oakhill neighbourhood. 3 bedrooms, 4 bathrooms. Breathtaking finishes throughout! www.53Joanne.ca

ONE-OF-A-KIND – Two Victorian era railway stations restored and renovated to create a stunning approx. 3000 sqft. walkout bungalow situated on a 6-acre paradise with a 24 x 40 ft. dream garage and workshop. www.106Middletown.ca

ANCASTER - $3,499,000

ANCASTER - $1,299,900

DOWNTOWN BURLINGTON

COMMERCIAL – Incredible opportunity in Ancaster Business Park. 2.1-acre property with M2 Zoning. Top-notch 4100 sqft. facility with office setting. New services. More than $1M in improvements. www.1637Claybar.ca

BUNGALOW – 5 total beds, 3 full baths and over 3800 sqft. luxury living. Custom millwork/built-ins. Private landscaped oasis backyard with hot tub. www.513GolfLinks.ca

SAXONY – Luxury 2-bed condos in downtown Burlington only steps to the lake and restaurants. 6-storey building. 2 parking. Only 2 remaining! www.1441Elgin.ca

GLANBROOK - $1,195,000

STONEY CREEK - $689,900

DUNDAS - $599,900

BUNGALOW – 3-bed bungalow on gorgeous 1-acre property (175 x 250 ft.) in M11 - Airport zone. Separate 2800 sqft. garage and heated workshop. www.9517Dickenson.ca

ATTN RENOVATORS – 4-bedroom, 1.5-bath home on large 82 x 132 ft. property in the heart of Winona. Minutes from QEW & Fifty Point Conservation.

MOVE-IN-READY – 3-bedroom, 3.5-bath, luxury town. Nearly 1700 sqft. plus new finished basement. Backs onto green space with Bruce Trail at doorstep. www.27Valleyside.ca

www.1376Barton.ca

Personalized Service & Award Winning Results! 87880.22.10.EZads.indd 11

award 2019

2019

2019

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S TAT E LY A N C A S T E R M A N O R

496 Wilson Street East, Ancaster $2,595,000 G AT E D C U L - D E - S A C

19 Berkshire Place, Ancaster $$1,795,000 1,725,000 EXECUTIVE BUNGALOW

335 Cavendish Drive, Ancaster $1,139,000

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13 T O TA L T R A N S F O R M AT I O N

29 Minto Avenue, Hamilton $514,000 P R O F E S S I O N A L LY D E S I G N E D / R E N O VAT E D

294 Caroline Street South, Hamilton $729,900 BESPOKE NEW BUILD

212 Woodview Crescent, Ancaster $2,500,000

Sarit@ZalterRealEstate.com Direct: 905.515.1950

Jordan@ZalterRealEstate.com Direct: 905.515.6331

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2020-09-23 4:53 PM


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THE BEST

COFFEE SHOPS IN HAMILTON

Written By CELINA IP

A

re you house-hunting or have just moved into your new home in the Hamilton area? Well, if your answer is yes to either, you may be interested in knowing about some of the best coffee shops across the Greater Hamilton Area — including Hamilton, Waterdown and Dundas

—to help you stay energized as you bustle through this busy period in your life.

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We’ve compiled a list of some of the best local and independently-owned coffee shops that will provide you with a warm welcome, a cozy atmosphere and some quality espresso (or tea)!

COPPER KETTLE CAFÉ 312 Dundas Street East, Waterdown Located in the centre of Waterdown, this quaint and spacious coffeehouse is known for their excellent coffee and their famous farm-fresh apple fritters. With lots of comfortable seating and tables available, it’s a great coffeehouse to catch up with friends or engage in some remote work. copperkettlecafe.ca

MULBERRY STREET COFFEEHOUSE ARK + ANCHOR ESPRESSO BAR 300 King Street West, Hamilton This small, cozy, and socially-minded café is known for supporting local businesses around the Hamilton area by stocking and selling their products. Both an espresso bar and a restaurant, visitors can enjoy a quality espresso drink along with a sweet pastry, a hearty breakfast or a nutritious (vegan) lunch.

193 James Street North, Hamilton Located in a historic building (built in 1887 by Thomas Allen) in James Street North’s art district, Mulberry is a charming coffee house that pays homage to the history and artistry of their location. Visitors will notice the building’s original plaster ceiling medallions along with the original inlaid tilework on the floor of the cafe. As well, visitors can browse the local art showcased on the walls, while they enjoy their specialty espresso drink or a decadent baked good. mulberrycoffeehouse.com

arkandanchor.ca

DURAND COFFEE DETOUR CAFÉ

142 Charlton Aveune West, Hamilton

41 King Street West, Dundas

Founded in 2016 by partners Christine Larabie and Chris Redmond, Durand Coffee is a quaint cafe in the Heart of Hamilton, named after the neighbourhood it resides in. Stop by this coffee joint for friendly service, a cozy environment and the promise that you’ll only be served the highest quality of coffee. With a rotating menu and unique seasonal offerings, you’ll find a variety of espressobased beverages, freshly-baked pastries, hand brews, and steamed drinks including their own Durand Chai Latte.

If you love rich coffee or gourmet teas, head on over to Detour Café in Dundas. Detour uses locally sourced ingredients, supporting both small vendors and farmers alike. Along with their quality espresso and tea, Detour serves hearty breakfasts and artisan sandwiches in their modern yet cozy setting. detourcoffee.com

DEMOCRACY 202 Locke Street South, Hamilton Located on beautiful Locke Street, in the heart of downtown Hamilton, Democracy offers quality coffee and friendly vibes. During the warmer months, they open their front window so customers can enjoy the fresh air. Along with their gourmet coffee, Democracy’s menu features craft beer, baked goods and vegan dishes. democracyonlocke.com

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durandcoffee.ca

CANICHE FRENCH BAKERY 346 Wilson Street East, Ancaster Caniche is a community bakery in the heart of Ancaster Village. French inspired, Caniche specializes in baguettes, croissants, custom cakes and a variety of pastries — baked fresh daily. They also serve Balzac’s coffee and Kusmi tea, which can be enjoyed with friends in the spacious and cozy cafe. canichebakery.com

2020-09-24 9:46 AM


Phone, wallet, keys ...

TREB APP Don’t leave the house without downloading TREB app. Find open houses, trusted agents, and more. Make homebuying easy by taking your magazine experience to the next level.

Download TREB app

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2020-03-11 2:59 PM


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Consider a move to the Niagara Region! Where the lifestyle is enviable, the scenery is seriously stunning, and you can literally have it all!

68 Hillcrest Avenue, St. Catharines

23 Yates Street, St. Catharines

STUNNING CUSTOM BUILT CONTEMPORARY DESIGNED HOME IN OLD GLENRIDGE!

BEAUTIFUL EXECUTIVE TUDOR HOME ON RARELY OFFERED RAVINE LOT ON PRESTIGIOUS YATES ST!

Breathtaking panoramic views of ravine & water views of 12 Mile Creek. Beautifully renovated & rebuilt top to bottom. Open concept kitchen, dining, sunroom & living room w/wall to wall windows & frpl w/stone mantle. Hardwood floors on main & 2nd levels. All baths have heated floors. Master suite w/spa-like ensuite & w/o to private deck! Finished LL w/large rec room w/ wet bar & w/o to garden. Sought after Hillcrest Ave, walk to downtown, Ridley College, golf & excellent schools. Close to major hwys, parks & wineries. $1,299,900

Outstanding 3 level home, designed by acclaimed architects Nicholson & McBeth, w/3500 sqft of living space. Beautifully renovated with quality finishes & detail. 4 spacious bdrms, 3.5 baths, 3 frpls, Master suite w/gas frpl & spa-like bath. Finished LL w/huge fam room, w/o to private terraced gardens. Bright eat-in kitchen w/white Snaidero cabinetry. Excellent location, walk to Ridley College, downtown restaurants & shops, park & other amenities. Close to hwys, golf & wineries. $1,490,000

NRC Realty Brokerage Independently Owned and Operated

C. B. E. W.

905-328-5443 905-688-4561 sgraham@royallepage.ca www.susangraham.ca

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SUSAN

GRAHAM S A L E S R E P R E S E N TAT I V E

Results you can count on. 2020-09-23 3:51 PM


18

DOWN PAYMENT

VERIFICATION • FIVE KEY POINTS • written by JASON WOODS

One of the essential aspects of every mortgage application is the discussion pertaining to your down payment. Home purchases in Canada require a minimum down payment of your own funds to be put towards the purchase. It is important that during the discussions with your Mortgage Broker that all the cards are on the table pertaining to your down payment. Doing so can save you time and stress later on in the process. Most home buyers are aware that they will require a certain amount of money for a down payment. What many do not realize is that lenders are required to verify the source of the funds to ensure that they are coming from an acceptable source. Here are a few facts to keep in mind:

1

Lenders require a 90-day bank account history for the bank account holding the down payment funds. The statements must include your name, account

number and statement dates. These statements can be savings, chequing, RRSP, TFSA etc. but moving money around before these accounts are confirmed will only require more documentation. Do not move any funds until after your down payment has been verified by the lender.

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2

A common hesitation that we often hear from clients is that their bank statements include a lot of personal details. As professionals, we completely

understand our clients’ concerns pertaining to your personal information and we always ensure that information is protected. Statements provided with blacked out names, account numbers or any other details are not acceptable. Unaltered documents are a requirement of confirming the down payment funds.

3

All large or unusual deposits need to be verified to ensure the source of those large deposits can be confirmed and can be used towards the down payment.

• Received a gift from an immediate family member? Easy, gift letter signed. • Sold a vehicle? Easy, provide receipt of sale. • CRA Tax Return? Easy, Notice of Assessment confirming the return amount. • Transfer of funds from your TFSA? Easy, provide the 90-day history for the TFSA showing the withdrawal. • Friend lent you money for the house purchase…. Deal Breaker. • A large deposit into your account that you cannot provide

4

confirmation for…. Deal Breaker! You were told that your minimum down payment was 5%, great! However, did you know that you are also required to show that you have an additional

1.5% of the purchase price saved to cover closing costs like legal fees?

5

Ensure that the funds for the down payment and closing costs stay in your bank account once you’ve provided confirmation. Those funds should

only leave your account when they are provided to your lawyer to complete the purchase. Lenders have the right to request updated statements closer to closing to ensure that the down payment is still there. If money is moved around, spent or if there are more large deposits into your account, those will all have to be confirmed. The last thing that anyone wants when purchasing a property is added stress or for something to go wrong late in the process. Be open with you Mortgage Broker, we are here to help and to guide you through the process. Not sure about something pertaining to your down payment funds? Ask us. We are here to work you through the buying process by making sure you know exactly what you need to do.

JASON WOODS

BROKER

Dominion Lending Centres TLC Mortgage Group, Burlington Direct 289.925.9599 | jason@jason-woods.com

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MEET THE

REALTORS How long have you been working in real estate?

Is there a particular area you specialize in, either in terms of neighbourhoods, or types of homes, or perhaps the type of clients you like to work with?

Sarit: I have been in the business since 1997 and Jordan has been since 2009. We both also grew up with parents in the business, so our exposure to the business runs even deeper.

Jordan: We get asked this question all the time! While consumers tend to What is it that makes you think that we specialize so passionate about what in high end homes and you do? the Western segment Jordan: I love that we of Hamilton (Dundas, get to be the guides Ancaster, Flamborough, for one of the most and West Hamilton) we important decisions that truly enjoy working our clients will make in with clients in all areas of S A L E S R E P R E S E N T A T I V E S their lives. We get the the city. From first time unique opportunity to home buyers to seniors be invited into people’s and from starter homes homes every day and their level of trust in us to multi-million dollar estate properties, the common combined with the weight of the decisions thread in our business is that we like to work with often foster friendships that last a lifetime. clients that enjoy working with us! Combine that level of intimacy with the In such a competitive market, with so many realtors, strategic components of marketing a home, what do you offer your clients that you think makes negotiating offers, and understanding a difference? construction and you have a pretty exciting and all-encompassing career! Sarit: I truly believe that we offer the complete package to our clients. I am often referred to as a What are the advantages of working with a “shark” in negotiations, yet our clients know me family (mother/son) team? as a compassionate shoulder to lean on and also Sarit: I often tell clients that one of my someone who studies all new listings and sales on a favourite parts of working with my son is that daily basis to ensure I have up to date information I can’t divorce him even if I wanted to. Joking on the market. Jordan has a passion for renovating, aside, I truly value getting to work with my is also a registered builder, and has a background son almost every day. We know each other’s in economics that makes it easy for our clients to strengths and weaknesses, and are fortunate lean on his advice before reaching out to specialists that they seem to balance out almost in these areas. We also aren’t afraid to spend a perfectly. As a mother that gives me lots of considerable amount of money advertising our quality time with my son, and for our clients listings...check out the 4 pages we have in this that gives them an unrivaled level of service. magazine as one example of that!

SARIT & JORDAN ZALTER

zalterrealestate.com

905.525.ZALT sarit@zalterrealestate.com jordan@zalterrealestate.com

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*OAC, High Ratio purchases only, min $300,000 mortgage, max 25 year amortization, 5 year term.

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OFFICE: 905-575-5478 DIRECT: 905-297-4102

darlenesells@remaxescarpment.com DarleneMcCauley.com

2019

LD O S

ABSOLUTELY PRISTINE IN GARTH TRAILS! SPECTACULAR PARKLAND LOCATION! Light & bright, 1,900 sq ft bungaloft w/main floor den, master bdrm & laundry. 1-1/2 car garage & drive. Awesome open concept loft w/guest bdrm & full bath. Gleaming hardwoods, solotube lighting, granite, gas FP, rec rm & quality upgrades throughout. Sought-after location overlooking lush parkland & pond.

ONE OF A KIND “DETACHED” CONDO IN GARTH TRAILS! SURROUNDED BY MATURE, TREED PARKLAND Lovely, spacious 1,847 sq ft bungaloft w/main floor den & laundry, & master bdrm w/custom walk-in shower in the ensuite. Soaring 2 storey great room w/huge bay window overlooking lush parkland and pond. Open concept loft w/guest bdrm & bath. Kitchen upgrades w/ patio doors to large deck & parkland. $799,000

EXCELLENT RENTAL OPPORTUNITIES IN THE RESTORED “RESIDENCES OF ROYAL CONNAUGHT” Beautifully renovated historic building in the heart of downtown Hamilton. Walk to all amenities from this fantastic Gore Park location. $1,900 for this one bedroom suite with separate den. $2,500 for this 2 bedroom, 2 bath suite w/parking & locker. Excellent building amenities & security. *Not intended to solicit persons or properties currently under contract.

GARTH TRAILS & TWENTY PLACE

If you live in either of these adult lifestyle communities and are considering a move, please call me. I am not only one of the original and award winning Salespersons for both neighbourhoods, I am a proud Garth Trails resident. Put my knowledge and 33 years of experience to work for you, and make me your TRUSTED choice in adult lifestyle real estate!

I have ready buyers for these two communities. Call now if you’re considering a move!

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Isaac Phillips S A L E S R E P R E S E N TAT I V E

DENA ZLATAR*

Top 1% for Royal Lepage in Canada 21 years. 905.774.7631

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$469,900

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$682,800

NEW LISTING - BEAUTIFUL BUNGALOW on quiet street. 3 bdrm, 2 bath family home. Updated windows, roof, and furnace, 2017 kitchen w/white cabinets & granite counters, SS appliances. Full finished basement and 22 x 22 ft heated garage.

$489,900

$239,900

$539,900

$229,900

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WATERFRONT Gorgeous, open concept waterfront cottage in quiet area. Enjoy beautiful panoramic views from wall of lake facing windows. Includes large driveway and attached garage for storing all your toys! Selkirk.

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$344,900

5.27 ACRES 3 bdrm home features open concept, large bay window in living room, lots of natural light. Patio doors off dining area to back deck, vinyl replacement windows. Garage offers roughed-in additional living space. Dunnville.

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LAND! Private 7.631 acre parcel with great sandy Loam soil, excellent for variety of uses. Minutes to town, 35 minutes to Hamilton, Stoney Creek, QEW.

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$785,000

RARE COMBINATION Welland River waterfront with service commercial zoning in Wellandport. 2 buildings - front approx. 1,500 sq ft plus frame storage barn at rear. 137' foot road frontage and 150' along river.

NEW LISTING - TOWNHOME CONDO Gorgeous 1,240 sq ft brick bungalow end unit. 2 bdrm, plus den, 2 car garage, in Simcoe, close to all amenities. Open concept living, beautiful rear deck overlooking gardens, fully finished basement.

$845,000

NEW LISTING - COTTAGE COUNTRY! Updated & move-in ready, open concept 3 season cottage. Living room/dining room/kitchen leads to outside deck, mature trees PLUS vacant lot for additional parking/storage. One bdrm plus 3pc bath.

$570,000

METICULOUSLY MAINTAINED Gorgeous home walking distance to amenities & Grand River. Loads of windows for natural light, high ceilings on main floor, hardwood floors, fabulous 25'4" x 11'7" great room. Cayuga.

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LIZ KOSTER**

$459,900

NEW LISTING - WATERFRONT! Quiet street, brick exterior, recently renovated, entertainer's delight, open concept, gorgeous new kitchen w/quartz counters, fireplace, new propane furnace and AC. Wall of windows, water side deck, garage.

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NEW LISTING - AMAZING WATER VIEWS Substantially renovated in 2016. Views of Port Maitland pier, lighthouse, park, & boat launch. Open concept living w/ gorgeous kitchen cabinetry, laminate flooring, ample parking, fenced yard.

NANCY ORT*

905.774.8144 ISAACPHILLIPS.COM

FANTASTIC LOCATION! High traffic highway location with general commercial zoning and 2 concrete block and brick buildings. Entire lot is paved. Total of 6,135 sq ft and 6 overhead doors! Dunnville.

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$2,500/Month FOR LEASE 4000 sq ft unit on 2nd level. Suitable as office, storage or small business. Features kitchenette, 2 pc washroom, with open area plus 2 separate rooms. New c/a and hi-eff natural gas heat. Shared foyer.

TEXT CODES TO 52187 for MORE INFO & PHOTOS! *Sales Representative ** Broker

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