The Real Estate Book Hamilton 24.5

GREATER HAMILTON

HOME & LIFESTYLE GUIDE Volume 24, Issue 5

PROUDLY PRESENTING

A BEAUTIFULLY RESTORED 3300 SQ FT CENTURY HOME ON A HALF ACRE IN THE HEART OF DUNDAS! MORE INFO ON PAGE 8 TEXT RBHWLLP TO 844-928-0132 TOLL FREE

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Steve Roblin Broker

Judy Marsales Real Estate Limited Brokerage 905-522-3300 www.steveroblin.com

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2

LYNN VIENNNEAU

TIERA DASS

LEAH GERRARD

Business Associate

Sales Representative

Sales Representative

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

TEXT RBHWMVT TO 844-928-0132

GRIMSBY PRIVATE ROOFTOP PATIO Stunning townhouse with spectacular views. 3 bedrms, 2.5 bathrms, finished basement, 2 underground parking spots with entry to basement.

TEXT RBHSWTR TO 844-928-0132

STONEY CREEK MOUNTAIN

HAMILTON WEST

HOUSE FOR RENT 106 x 30 ft lot. 2020 built house is barely lived in. Loads of upgrades. 4 bedrms, 2.5 bathrms, 4 car driveway + garage.

RETAIL/RESIDENTIAL Commercial building for sale, main level commercial/retail, upper level: kitchen, bathroom, 5 bedrooms.

TEXT RBHSWTH TO 844-928-0132

TEXT RBHQXNT TO 844-928-0132

FULL OF CHARACTER Bruce Park neighbourhood, close to Mountain Brow. 3 bedrm, 3 bathrm. Beautiful home, 40 x 123 ft lot. Fin basement.

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

ELLEN BOYCE

KRISTA HANN SALES REPRESENTATIVE

BROKER

www.kristahann.com kristahann@royallepage.ca

www.ellenboyce.com

905.648.4451

Text RBHWGBH NEARLY 3 ACRES Country estate lot. Build new or renovate the existing century home that sits at the end of a picturesque tree-lined drive. Minutes to Ancaster amenities. $2,499,000

Text RBHWFYR LARGE FAMILY HOME 6 bedrooms, 7 baths, with a separate entrance to the basement. Quiet Ancaster court location close to all amenities and highway access. $2,000,000

2019/2020

2015-2017

Text RBHRFYJ UPGRADED HOME ON PREMIUM LOT 4 bedrooms, 3.5 baths. Backs onto Conservation lands, private backyard with inground saltwater pool and finished walkout basement with kitchenette. $1,900,000

To get more info & photos on these listings, text the code to 844-928-0132.

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www.lynnfeeteam.com team@lynnfeeteam.com

88 MOUNTAIN STREET, GRIMSBY | $1,498,000

3 WALTERS LANE, GRIMSBY | $899,000

120 OAKDALE BOULEVARD, SMITHVILLE | $899,000

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TRULY SPECTACULAR HIDDEN GEM Oasis backyard w/IG pool, hot tub + guest houses.

88mountainstreet.com

GRIMSBY BY THE LAKE 3-storey townhome w/GROUND LEVEL WALK OUT. 3walterslane.com

SPACIOUS FAMILY HOME 3 bed, 3 bath w/private fenced backyard.

120oakdaleboulevard.com

2732 PORTAGE ROAD, NIAGARA FALLS | $975,000

77 DEBORA DRIVE, GRIMSBY | $1,159,000

58 BAYVIEW DRIVE, GRIMSBY | $989,000

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CHARACTER HOME 5 bedRm, 2 bath w/oasis yard.

2732portageroad.com

RENO'D RAISED RANCH Fully finished & updated 3 + 1 bedRm, 2 baths.

77deboradrive.com

WALK TO THE LAKE 3 bedRm, 2 bath, 5-level backsplit w/hot tub.

58bayviewdrive.com

42 KERMAN AVENUE, GRIMSBY | $899,000

20 DRIFTWOOD CRESCENT, NANTICOKE | $474,900

21 JAMES AVENUE, STONEY CREEK | PLEASE CALL

TEXT RBHVXWB UPDATED BUNGALOW Fully finished 3+1 bedRm, 2 bath.

42kermanavenue.com

TEXT RBHTHVT ON THE SHORES OF LAKE ERIE 3 bedRm, 2 bath bungalow in Shelter Cove.

20driftwoodcrescent.com

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KELLERWILLIAMS COMPLETE REALlY

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Sales Representatives: Lynn Fee, McIvor, Stephanie McIvor, Realtors®: Lynn Fee, Stephanie Sales Representatives : Lynn Fee,Cerisano Stephanie& Mcivor, Wendy WendyMurray MurrayNicholson, Nicholson,Tracey TraceyCerisano Torrin Fee, Broker Brokers: TorrinNicholson Fee Wendy Murray & Torrin Fee, Broker

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TEXT RBHSYGP COMING SOON Bungalow w/in-law on 103' x 112' lot.

Text the unique Text Codes to 844-928-0132 for more information & photos

TOLL FREE

GRIMSBY

OFFICE

1-833-LYNN-FEE

905-945-6494

905-975-1055

(1-833-596-6333)

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4

Reach out to discuss how our experience can be your asset in this unpredictable market

We’re so excited to see your smiles again! With the province opening back up and the real estate market as hot as ever, we’ve never been more ready to assist you with any of your real estate needs. Are you a first time home buyer looking to navigate the challenge of entering the market for the first time? A homeowner looking to make an advantageous move? An investor looking for new opportunities? Or maybe you’re looking to downsize, and not sure where to start? Whatever your story is, you can be sure that we are here to help. We understand that this process can be stressful and daunting at times, but we’re up for the challenge!

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E X E C U T I V E C O U N T RY L I V I N G

53 Ranch Road, Brantford $3,195,000 LARGE CUSTOM HOME

19 Dow Avenue, Hamilton $1,850,000 DUNDAS BUNGALOW

20 McMaster Avenue, Dundas $879,900

CAREFREE CONDO LIVING

708-1000 Creekside Drive, Dundas $599,900

Sarit@ZalterRealEstate.com Direct: 905.515.1950

Jordan@ZalterRealEstate.com Direct: 905.515.6331

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G R E AT E R

H A M I LTO N

VOLUME 24 ISSUE 5

HALTON HAMILTON HOMES

PUBLISHER

Tim Root ACCOUNT MANAGER

Beth Walder

Search ALL homes listed

PRODUCTION MANAGER

for sale on MLS, view our

Sarah Root

digital magazines, research local real estate market trends and insights, get home buying and selling

ART DIRECTORS

Jennifer Brewster Vanessa Chong

tips, and more! From the

CONTRIBUTING WRITERS

same team who produce

Julie Achtermeier Jason Woods

The Real Estate Book for the Halton and Hamilton region.

MARKETING & COMMUNICATIONS COORDINATOR

Celina Ip

Next Issue Submission Deadline JUNE 9, 2022

For Advertising or General Inquiries:

905 845 8732 info@trebpublishing.ca trebpublishing.ca

HaltonHamiltonHomes.com

! TheRealEstateBook $ The.RealEstateBook

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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2020

Colette Cooper

Gino Montani

Natalie Pavkovic

Margherita Abitino

Broker

Broker

Sales Representative

Client Care Coordinator

TEXT CODE TO 844-928-0132 FOR MORE INFORMATION & PHOTOS FOR THIS LISTING!

NO EXPENSE SPARED! SPECTACULARLY RENOVATED 4 bedroom, 2.5 bath stunner boasts a Chef’s kitchen with quartz & built in appliances, floor to ceiling windows in the primary bedroom with walk in closet and spa-like bath, bamboo flooring, French doors and so much more... All within walking distance to RBG & Conservation trails.

10 Cammay Avenue, Dundas. $1,350,000 TEXT RBHWNHM

FANTASTIC DUNDAS LOCALE CHARMING BUNGALOW with walkout basement and side entry with in law potential. Fantastic location. 2+1 bedrooms (easily converted to 3 bedrooms). Bright kitchen with new flooring, updated 4pc bath. Garage & ample parking. Nature lover’s yard in time for summer!

79 Cameron Avenue, Dundas. $799,900 TEXT RBHWNHT

COMING SOON! ADD YOUR UPDATES to this charming 1 1/2 storey with main floor family room, hdwd floors, furnace & a/c 2022. Fenced yard with large workshop/shed with hydro. No snoozing on this one! Nice Mountain locale steps to everywhere.

79 East 37th Street, Hamilton. TEXT RBHWNJD

Colette is a true professional in every sense of the word. She sold our house in less than 3 days firm over asking. We had lived in our home for 30 years. Selling made us very anxious but Colette reassured us along the way. We experienced a few challenges and Colette and her team were there to help us and assured us that everything would be resolved, and they were. We confidently recommend Colette who makes you feel that your concerns are her concerns and your successes are her successes. Colette and her team were available every time we called and responded immediately.

How comforting. Team Colette all the way!

— Ian & Carolee Milla

colettecooper.com | 905.648.4451 | colettecooper@royallepage.ca

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ON THE COVER

WELCOME TO "THE SCOTT HOUSE" Circa 1858. Charming sandstone exterior, gorgeous woodwork, beautifully landscaped grounds - elegance & charm abound in this incredible property.

Soaring ceilings, restored oak staircase, inlaid oak hardwood & wide plank pine flooring, large library with wood burning fireplace, and large eat-in kitchen. 4 bedrooms on the 2nd level. Primary

TAKE A

VIRTUAL TOUR

bdrm has a walk-in closet & stunning ensuite with heated floors, clawfoot tub, & glass shower. Complete in-law suite in the lower level. Stunning covered porch

CLICK HERE

overlooks the rear gardens including inground pool and a 2 storey coach house. Nestled in one of the most desirable areas of Dundas, close to great schools, conservation, museums, & recreation.

146 PARK STREET WEST, DUNDAS

$2,995,000 Text FREE for for more more information informationon onthis thishome. home.

TextRBHWLLP RBHWLLPTO to 844-928-0132 844-928-0132 TOLL FREE

STEVE ROBLIN For more information on this property and others in the area please contact

Broker Office:

905.522.3300

Judy Marsales Real Estate Ltd., Brokerage roblin@judymarsales.com steveroblin.com

9

SALES REPRESENTATIVE*

|

BROKER**

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TEXT RBHSYKC

NATURE LOVER'S PARADISE ON 1.7 ACRES IN ST.CATHARINES! $1,999,900 3+1 BRs - 3 baths - 2,300+ sqft - finished bsmt - walk out lower lvl - custom built built-in appliances - 2 stry garage - 20x26 sub garage - many updates - UV tinted windows - balconies - 10 car drive.

IMPRESSIVE END UNIT BUNGALOFT IN ANCASTER! $999,900 2 BRs - 2 Baths - 1,593 sqft - cathedral ceilings double garage & drive - updtd kitchen blt-in appliances - Caesarstone counters - hardwood flrs - 2nd level loft - tall windows - gas fireplace.

WELL MAINTAINED GRIMSBY SIDE SPLIT! $899,900 2 BRs (can be converted back to 3) - 1.5 Baths - huge rec room - massive fin'd lower level oversized 2-car garage - steps from Fifty Pt Conservation, Grimsby, hwy access, shopping, beaches, marinas!

TEXT RBHVZHG

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SPECTACULAR CRYSTAL BEACH COASTAL HOME! $849,900 3 BRs - 2.5 Baths - attached to neighbour only at dbl tandem 38 ft garage front & side porch - upgd kitchen w/granite counters, island & SS appliances - vinyl plank flooring - quartz counters & dbl sinks in ensuite - fin'd basement.

STONEY CREEK MOUNTAIN BUNGALOW! $839,900 3+1 BRs - 2 Baths - 1,051 sqft - great location - hardwood flrs - spacious kitchen - large living room huge windows - fin'd basement w/sep side entrance - covered patio - fenced yard newer roof, a/c, furnace.

WATERFRONT CONDO IN POPULAR STONEY CREEK BUILDING! $689,900 2 BRs - 1.5 baths - 1,110 sqft - reno'd building - direct lake views - private balcony - separate LR & DR - updtd baths - den w/ lake view - updtd kitchen w/SS appliances - lots of building amenities.

Change Your Home, Change Your Life® TEXT RBHTKCR

themazzateam.ca 1-877-475-0230

*!"'

SUPER BACKSPLIT DESIGN IN WELLAND! $649,900 3 BRs - 2 Baths - 4 level backsplit - 1,012 sqft - large pie shaped lot - LR/DR combo - updtd laminate flooring huge walkout family rm - concrete 2 car drive - close to all amenities.

TEXT RBHVLPK

AMAZING CORNER UNIT APT IN BURLINGTON! $549,900 2 BRs - 1.5 Baths - 1,000 sqft - renovated building - 2 parking spots - 19 ft covered balcony - outdoor pool - minutes from GO Station - close to hospital - close to highway access & all amenities.

TEXT THE CODE TO 844-928-0132 FOR MORE LISTNG INFORMATION AND PHOTOS

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LUKE O'REILLY BROKER

905.525.3737 | 1.877.648.4451

TEXT RBHRGPT

TEXT RBHTJVG

ELEGANT 2 STOREY HOME IN ANCASTER ON WOODED LOT Luxe 3925 sq ft, 4+1 bed, 3.5 bath on premium wooded lot on one of Ancaster's premiere streets with full basement walk-out & in-law suite in the lower level. Enjoy breathtaking views of peaceful scenery and lush greenery in your backyard as deer, turkeys and other wildlife pass by. $2,499,900

HAMILTON'S COVETED KIRKENDALL NEIGHBOURHOOD Stunning 3 bed, 4 bath, 2 storey. Fully renovated interior including updated kitchen & baths, fully finished basement with rec room & office space (currently used as 'guest room'), & more. Oversized detached double car garage & additional surface parking for 1 vehicle. $1,499,900

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TEXT RBHRGPV

FAMILY FRIENDLY NEIGHBOURHOOD ON STONEY CREEK MOUNTAIN Stylish 3 bed, 1.5 bath, 2-storey home featuring open-concept main floor plan, fully finished lower level with oversized recreation room & fully-fenced rear yard with recently installed above-ground pool. Exceptional location, this home has been maintained extremely well - pride of ownership is evident! $999,900

EXTENSIVELY RENOVATED SIDE-SPLIT ON HAMILTON MOUNTAIN 3 bed, 2 bath, 3 level side-split w/ a detached double car garage.

Featuring upgraded trim, California shutters, gas fp w/ stacked stone fire surround/wood mantle & much more. Oversized double detached garage w/ convenient rear roll up door, driveway parking for 4+ vehicles. Pride of ownership is evident! $949,900

TEXT RBHRKHG

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SITUATED ON PRIVATE WOODED LOT IN CHARMING CALEDONIA Excellent 3 bdrm, 1.5 bath 2-storey home with a fully finished basement & double car garage. This solid home is loaded with features including a chlorine on-ground pool and hot tub.

Convenient location within walking distance to schools, shopping, parks, & all other major amenities. $849,900

CAPE COD STYLE SEMI-DETACHED Charming 3 bed, 1.5 bath situated on an oversized 22.78' x 159.03' irregular shaped lot w/ no immediate rear neighbours! Meticulously maintained home - pride of ownership is evident. Convenient location with easy access to all major amenities. $699,900

T EXT T H E UNIQUE CODE S TO 844-928-0132 FOR M O R E IN FO A N D PH O TO S Top 2% in sales nationally with Royal LePage Canada (2017-present)

THEOREILLYGROUP.CA

Top 35 Under 35 with Royal LePage Canada (2018-present)

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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 1% in Canada for Royal LePage

ANCASTER (OAKHILL) - $2,325,000

BURLINGTON (ALDERSHOT) - $1,862,500

LUXURY – Newly renovated 2-storey in prestigious Oakhill of Ancaster. 4+1 bedrooms, 5 total bathrooms. Luxurious fit & finish. Thermador appliances.

Second kitchen, bedroom, and full bath in finished walkout basement. www.59Templer.ca

RAVINE – Located in Garden Trails - Professionally renovated 4-bed, 4-bath home backs onto Royal Botanical Gardens. Over 3000 sqft living space. 135 inch theatre in basement. 9-person jacuzzi hot tub in oasis backyard. www.667Sandcherry.ca

DUNDAS - $1,749,000

RAVINE & OASIS – Beautiful 3+1 bed family home with almost 3500 sq ft of finished living on a ravine property with an oasis backyard & heated in-ground pool. www.19Forestview.ca

$1,599,000 GREENSVILLE - $1,699,000

GRIMSBY BEACH - $1,499,900

BRAND NEW – Custom luxury home. 4-beds & 4 baths. Custom kitchen. Spectacular primary suite. Entertainer's basement with high ceilings and full bath. Across from Webster Falls. www.287Brock.ca

STUNNING – Losani-built family home. 4beds, 3-baths and 2485 sqft. Open concept with towering ceilings and a custom kitchen with quartz. www.84Lorne.ca

HAMILTON MOUNTAIN - $1,399,000

HAMILTON (BEASLEY) - $879,900

HAMILTON MOUNTAIN - $629,900

FAMILY HOME – 4 beds, 4.5 baths with a 2nd kitchen in the finished basement with separate entrance. Double garage. Oasis backyard with on-ground pool. www.369Crerar.ca

VICTORIAN – Sophisticated 3+1 bedroom, 2.5 storey fully renovated with charming character. 9.5-ft ceilings on main with a spectacular 3rd level loft. www.108Wellington.ca

LUXURIOUS – 675 sq ft ground level unit in Scenic Trails with 320 sq ft terrace.

Loaded with upgrades (kitchen, bath, 10-ft ceiling.) Minutes to walking trails. www.1Redfern.ca

Personalized Service & Award Winning Results!

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Market Update WILL RESTRICTING FOREIGN BUYERS COOL THE MARKET? The federal government recently announced a two-year ban on foreign home buying, as well as higher taxes for buyers who sell their homes within a year of purchase.

Both measures are aimed at cooling the hot real estate market, but include multiple exceptions.

The government also announced billions in funding for new housing, as well as changes to the first-time home buyers tax credit. It will be interesting to see how effective the demand-focused measures are, as supply has been the major issue with housing affordability.

Questions about this?

Reach out anytime! We’d love to chat.

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COMING SOON TO DUNDAS! CALLING ALL FAMILIES!

66 Mayfair Avenue, Dundas

INCREDIBLE BACKYARD VIEWS!

60 Jerome Park Drive, Dundas

COMING SOON TO ANCASTER! EXECUTIVE LIVING

302 Hamilton Drive, Ancaster

COTTAGE SETTING IN THE CITY!

459 Hamilton Drive, Ancaster

Sarit@ZalterRealEstate.com Direct: 905.515.1950

Jordan@ZalterRealEstate.com Direct: 905.515.6331

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O U T D O O R L I V I N G S PA C E ?

WE SHARE OUR TOP 5 DIY SOLUTIONS.

Written By: JULIE ACHTERMEIER

After another long, drawn-out Covid winter, summer has finally arrived, and we need the enjoyment of the outdoors more than ever. Your backyard may need a makeover but booking a landscape or pool company is a one- to two-year wait.

So, what can you do yourself that’s easy and affordable while providing that wow factor?

Other popular designs this year are powder-coated aluminum pieces, teak wood, and natural ceramics that can handle our summer climate and give a new life to your outdoor living space.

Here are our top five DIY trends you can start implementing this weekend!

Whatever your style, it’s all about comfort, elegance, and being entertainment-ready.

FURNITURE The style grabbing all the attention this year is rattan – but not traditional rattan that has a reputation for being uncomfortable. New and improved styles feature robust backrests and stylish cushions to ensure ultimate comfort while relaxing, sipping wine, or enjoying a ball game on your outdoor TV.

LIGHTING Outdoor LED lighting has become a popular element that complements the mood of your evening while remaining an energy-efficient solution for your home. It can be as easy as a string of lights across your gazebo to twinkle lights under an awning or garden spotlighting beautiful trees and plants.

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Outdoor day beds and low coffee tables project an open and spacious appeal for those relaxing moments reading or reclining.

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Today’s lighting options range from soft, calming colours for background elegance to bright or colourful lighting perfect for a party atmosphere.

COLOUR PALETTES Soft, dusty accent colours like pink, blue, and neutrals are all the rage this year, adding charm and elegance. Summery colours and contemporary patterns are great for cushions and outdoor rugs.

Or, go for a brighter hue in vintage furniture like a retro-inspired hoop chair or Miami mod accent piece.

FIRE PITS AND OUTDOOR COOKING Outdoor kitchens continue to be on-trend with new additions to the usual BBQ setup. Smokers are gaining popularity as a slowcooking method to prepare meat while spending an afternoon at home. A trip to your local home renovation store provides a range of sizes and prices to suit your needs.

Pizza ovens are very popular again this year but abide by your local bylaws when installing them in your backyard. When designing your outdoor cooking area, consider setting up a patio corner as a dedicated kitchen space.

After your meal, create a ambiance with a modern and cozy chairs. In areas bylaws restrict the use of

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warm firepit where wood

fires, look for ethanol and propane alternatives for a similar effect.

Many styles also come with a cover, so fires not in use can double as additional tabletop space.

GARDENING In 2021, we saw the emergence of ‘hardscaping’ with prominent stonework bringing a featured look to the backyard. This year, the focus is on ’nature-scaping,’ a natural, wild garden look. Long grasses and rustic garden paths are meant to soften the hardscape with a more natural and less structured look. So, whether you’ve already done hardscaping or are planning to incorporate a feature this year, adding wildflowers and grasses can create a more natural yet unique look.

Are you looking for a change from the same old gardening style?

Vertical planting, also called living walls, is a hot gardening trend to create height and drama in your yard. Whether there’s a plain wall you want to cover or just spruce up your back garden, a living wall can be as simple or intricate as you like. Hang plant pots on vertical frames for a simple, costeffective solution or create a more sophisticated look with modular, hydroponic panels requiring electronically monitored water and nutrient delivery. The only rule to follow is to plant upwards instead of outwards!

2022-05-18 4:46 PM

OFFICE:

2019

905.575.5478 | DIRECT: 905.541.9571 darlenesells@remaxescarpment.com DarleneMcCauley.com

2020 & 2021

GARTH TRAILS & TWENTY PLACE

$699,900 ONE FLOOR LIVING AT ITS BEST IN TWENTY PLACE! Sought after adult lifestyle community. End unit bungaloft with 2 bedrms and 3 baths. Main floor master with ensuite. Kitchen & dining area with bay window, spacious great room with door to backyard. Open concept loft with guest suite, sitting area & bathroom. Good sized rec room & hobby room in basement. Steps to residents’ clubhouse with indoor pool, gym & more! Move-in ready!

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 35 years of experience to work for you, and make me your TRUSTED choice in adult lifestyle real estate!

*Not intended to solicit persons or properties currently under contract.

Linda LESLIE 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

Helping You Find A Place Called ...

Home

www.lindaleslie.com 206 BOLTON TRACT ROAD, DUNNVILLE

COUNTRY SIZE LOT on edge of

$499,900

town with full services. Walk to shops, arena & Tim Hortons!

Home has 1997 handicap accessible addition with bdrm, ensuite bath & walk in shower. Detached garage.

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WWW.REALESTATEBOOK.COM We’re passionate about what we do. Our ultimate goal is to connect home buyers & sellers through local real estate professionals.

2022-05-17 10:43 PM

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HOME MONTH OF THE

541 HIGHVALLEY ROAD, ANCASTER

$2,700,000

TEXT RBHWFZV TO 844-928-0132 TOLL FREE FOR MORE PHOTOS AND INFORMATION

TAKE A

VIDEO TOUR CLICK HERE

EXCLUSIVE EXECUTIVE HOME featuring nearly 3400 sq ft of exquisitely finished living space, with custom upgrades and attention to detail throughout. High ceilings, large windows, stunning decor and finishes. Luxurious main floor primary suite with 5 pc ensuite with marble counters, glass shower and separate soaker tub. A showstopper gourmet chef’s kitchen has been extensively upgraded and is the heart of the home. Formal dining room. Great room with cathedral ceilings plus fireplace and upper level loft area.

Private back yard with covered porch and built in BBQ. 3 large bedrooms upstairs. This home truly is a must-see!

KRISTA HANN

Sales Representative

905.648.4451

kristahann@royallepage.ca www.kristahann.com

Visit RealEstateBook.com to search for more homes in the Hamilton Region.

18

H OW I S A

PRIVATE MORTGAGE

D I F F E R E N T F RO M A

TRADITIONAL BANK MORTGAGE written by JASON WOODS

Understanding the difference between private mortgages and traditional bank mortgages can help you make the best decision for financing a new home. Each option provides the money to secure real estate, however, they are structured and processed very differently. In general, private lenders are more flexible and responsive, although they may charge a higher interest rate for the loan. This guide provides the necessary information to help you make the right decision on which mortgage type to choose.

What Is a Bank Lender?

Banks take money from depositors and give them a low-interest rate. They turn a tidy profit by lending the money to borrowers at higher rates. Federally chartered banks can also borrow money from the government at lower interest rates, then lend it out at higher rates to make an even greater profit.

What Is a Private Lender?

Private lenders typically manage funds from investors, banks or both. They lend the money out to individuals or businesses who need it. Investors who give money to private lenders expect to make a decent return on their investment. Therefore, private lenders may charge slightly higher rates than banks. On the other hand, it's often easier to get a loan from a private lender, which may have lower criteria than banks and other financial institutions.

Private Lender vs Bank Mortgage Comparison Many borrowers find banks harder to deal with than private lenders. Because they are subject to federal and provincial regulations, banks have more rules and requirements.

Mortgage brokers who deal with banks must be familiar with numerous programs that can vary depending on location. In turn, each of these programs has its own rules about who it can lend to and the criteria needed to qualify for its mortgage programs.

Alternatively, while private lenders also have to conform to federal and provincial laws, they are more flexible and offer more options to home buyers. As a result, private lenders may approve more loans than traditional banks do. Private mortgage brokers can also customize the criteria used to approve your mortgage loan. These criteria include debt to income, loan to value ratio and credit scores.

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Banks often rely on computers to make decisions based on your financial history and income sources. They don't handle unusual circumstances very well. For instance, selfemployed borrowers often have a hard time qualifying for bank loans because they don't have wage and tax statements from traditional employers. Private lenders often dig deeper when investigating who should qualify for a loan and are more likely to overlook certain flaws following a valid explanation.

Should I Get a Private Mortgage or Bank Mortgage?

Private lending benefits home buyers in the following situations: • Unconventional property loan • Time-sensitive situations • Unable to secure a bank mortgage • Poor credit • Self-employed, unable to verify income • Lack of credit history

Reasons to Choose a Private Lender More lenient guidelines and restrictions are just one reason borrowers choose private mortgages. Other reasons include: • Easier to qualify: Private lenders create their own rules so they can ask for smaller down payments or accept applications with lower credit ratings. This might be a good option if you're interested in buying an investment property or flipping homes, for example.

• Shorter approval process: Because of the easier criteria, you get to the closing table more quickly with fewer hurdles to jump, including appraisals and inspections.

• Flexibility: You can negotiate your terms, such as flexible repayment plans

Final Thoughts A private mortgage broker provides financing from investors or other unconventional funding sources. This makes private mortgages attractive for those who don't do well when seeking traditional bank loans. While it's important to consider the pros and cons of each type of mortgage, private mortgages offer far more flexibility for borrowers who want to negotiate their terms without strict rules and regulations to be concerned with.

DIRECT: 289-925-9599 jason@jason-woods.com

87621.31.6_000 Jason Woods.indd 2

www.jason-woods.com

2022-05-18 4:49 PM

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.

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21

WWW.WAYFAIRLIQUIDATIONS.COM

LIQUIDATION WAYFAIR - HOME DEPOT NEW FURNITURE USED HOTEL FURNITURE

574 Chartwell Road, Oakville 1-416-910-0798 MLHLiquidations.net 23

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SPRING MARKET… Contact us to be pre-approved before home shopping!

We’ve got a mortgage for that! ™

RATES STILL ASRATES LOWAS ASLOW 2% 5 YEAR VARIABLE FOR A 5 ARE YEAR VARIABLE* AS 0.99% STILL AVAILABLE! *

Contact menow nowtoto explore your options.

Contact me explore your options. *OAC, on insured purchases only * OAC, on insured purchases only

DOWNLOAD CANADA’S #1 FREE MORTGAGE TOOL BOX! DIRECT. 289-925-9599

87880.24.5_021 MLH Liquidations - Woods.indd 1

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22

H A LT O N H A M I LT O N H O M E S

M A R K E T U P D A T E HAMILTON

NUMBER OF SALES

LAST YEAR 1,303

1,185

1,200

984

1,000

800

THIS YEAR

783 759 577 532

600

783

751 755 486

400

404

200

NOV

DEC

JAN

FEB

MAR

APR

NUMBER OF NEW LISTINGS 1,706

1,800

1,707 1,525

1,600

1,466

1,400 1,200 1,000

852

982

1,035

808

800

617

600

432

400

535

402

200

NOV

DEC

AVERAGE SALES PRICE

JAN

FEB

($1,000)

1,013

976

$1,000

862

836 $800

662

650

721

MAR

773

APR

1,003

805

949 785

$600

$400

$500

NOV

DEC

JAN

FEB

MAR

APR

SOURCE: REALTORS’ ASSOCIATION OF HAMILTON BURLINGTON ALL RESIDENTIAL COMPARISON NOVEMBER 2021 - APRIL 2022

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29

H A LT O N H A M I LT O N H O M E S

MARKET UPDATE BURLINGTON

LAST YEAR

NUMBER OF SALES

401

400

300

THIS YEAR

449 359 308

275 188

170

200

276

254

234 147

136 100

NOV

DEC

JAN

FEB

MAR

597

NUMBER OF NEW LISTINGS

563 494

500

376

400

300

APR

262

239

200

215 136

517

349

187

108

100

NOV

DEC

AVERAGE SALES PRICE

JAN

1,414

1,175 968

APR

1,306

1,221

$1,200

921

MAR

($1,000)

1,369

$1,400

$1,000

FEB

976

1,065

1,090

1,229 1,062

$800 $600 $400 $200

NOV

DEC

JAN

FEB

MAR

APR

SOURCE: REALTORS’ ASSOCIATION OF HAMILTON BURLINGTON ALL RESIDENTIAL COMPARISON NOVEMBER 2021 - APRIL 2022

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Isaac Phillips SALES REPRESENTATIVE

NANCY ORT*

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

Text RBHVYCD

$1,125,000

905.774.8144 ISAACPHILLIPS.COM

Text RBHVYCL

Text RBHVYBQ

$2,195,000

COMING SOON - GORGEOUS LAKEFRONT HOME 3+2 beds & 2.5 baths, open concept, beautiful functional kitchen w/granite counters, wall of glass overlooking lake. Games & recroom in full basement. Tiered concrete shorewall.

$59,900

$998,500

NEW LISTING - 108 ACRES ON GRAND RIVER Main home w/ 3 beds, 2.5 baths, lower level walkouts, open concept. 2nd res w/ 2 beds, 2 baths & oversized heated garage. Approx 40 workable acres, heated detached metal shop.

Text RBHVYCZ

Text RBHWLDM

$949,000

$6,750,000

NEW LISTING - PRIVATE 7.631 ACRE PARCEL Great sandy soil, excellent for variety of uses. Minutes to town, 35 minutes to Hamilton, Stoney Creek, QEW. Buyer to perform due diligence. Dunnville.

Text RBHSWZY

Text RBHMYFY

$885,000

$1,485,000

PEAECFUL & PRIVATE - 25 ACRES! Quiet rural setting. 3 bed bungalow. Kitchen w/ oak cabinetry. South facing wall of windows in sunroom, & fireplace. Large workshop w/tall overhead door & mezzanine. Barn w/ pond.

Text RBHMYGB

HIGHLY SOUGHT AFTER LAKE ERIE SAND BEACH! 117 ft of 2021 engineered concrete shore wall protects this spectacular point of land overlooking Lake Erie! Older home on the hill offers walk out basement. Home needs repair.

Text RBHQZKY

Text RBGXNDG

$129,900

RARE LAKE ERIE WATERFRONT New 2021 engineered breakwall. Sand beach, fabulous water views, detached garage, quiet road, & walking distance to golf course. Older cottage in hill top location. Value in land.

NEW LISTING - EXCELLENT INVESTMENT OPPORTUNITY 7 separate units. Huge parking areas. Large loading dock w/covered space + additional exterior concrete loading docks. 17 roll up loading doors. General industrial zoning.

Text RBHSWZZ

$1,280,000

NEW PRICE - HAMILTON MOUNTAIN 3 bed, 2.5 bath home offers contemporary kitchen.

2nd floor oversized master bed w/walk in closet & ensuite privileges, lower level rec/ games room. Double garage, covered front porch.

NEW LISTING - WONDERFUL COUNTRY LOCATION Mins from Escarpment and less than 10 mins from QEW at Grimsby. Spacious, ranch style home. 3 beds plus den, attached 2 car garage, huge yard with 3 sheds, well!

Text RBHVYDJ

$349,900

NEW LISTING - VACANT LAND Convenient location close to downtown core. Zoning is CM - Marine Commercial. Seller states currently no building permits. Buyer to perform any and all due diligence.

ERIN ROBERTS**

$499,000

VACANT LAND Walking distance to downtown core. Zoning is CM - Marine Commercial. Currently no building permits - buyer to perform any and all due diligence prior to submitting offer.

DIRECT WATERFRONT Walking distance to fantastic sand beaches and Long Point Conservation Park. Lot has metal retaining wall and boat slip with access to Lake Erie.

TEXT CODES TO 844-928-0132 for MORE INFO & PHOTOS! *Sales Representative ** Marketing Coordinator

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