MARKET UPDATE
CANADIANS MORE DETERMINED TO OWN HOMES IN 2025: SURVEY
A recent survey by digital real estate platform, Wahi, has revealed that Canadians are increasingly committed to homeownership in 2025. The second-annual Homebuyer Intentions Survey of Angus Reid Forum members indicates that more individuals plan to take steps to purchase a home compared to 2024. “The message from many Canadians is clear — they’re going to do what it takes to step onto the property ladder,” said Wahi CEO Benjy Katchen. “While lower interest rates and new mortgage rules have improved housing affordability somewhat, many Canadian homebuyers are taking a more proactive approach.” 52% of prospective buyers plan to cut back on spending, according to the survey, which is an increase from 45% in 2024. 31% of respondents intend to alter their investment strategies, which is up from 21%. In terms of working longer hours, 30% of respondents say they will do so, compared to 21% last year.
HALTON HAMILTON HOMES
MUST-SEE UPDATES!
BEAUTIFULLY RENOVATED 2+1 bdrm & 2 bath home. Upgraded kitchen with walkout to the yard with gazebo. Finished basement with wet bar provides great space for relaxing & entertaining. Enjoy extra storage & functionality with a detached 1-car garage. Thoughtfully designed & meticulously maintained, this home is a charmer.
134 Craigroyston Road, Hamilton. $699,000 TEXT RBKYZTW
NESTLED IN THE SOUGHT-AFTER Kirkendall neighbourhood, this stunning 1890 red-brick home blends timeless charm with contemporary upgrades. Featuring 3 bdrms, 2.5 baths, soaring ceilings, hrdwd floors, stylish kitchen, rear yard w/ large deck & private parking spot - just steps from Locke St. A rare gem in a prime location!
119 Ray Street South, Hamilton. $949,000 TEXT RBKYCKS
LIVE & WORK IN STYLE!
RENOVATED & RADIANT!
MODERN 1 BED, 1 BATH CONDO in Headon Forest. Open concept layout with French doors to private balcony, luxury vinyl & dark hdwd floors. Underground parking, storage locker. Perfect for first-time buyer! 322 - 2010 Cleaver Avenue, Burlington. $479,900 TEXT RBKYZTR
AN ULTRA STYLISH LIVE/WORK GEM in downtown Hamilton. The main floor features a sleek retail space, while the 2 storey residential loft boasts soaring ceilings, exposed brick, kitchen walkout to a private deck, & bedroom retreat with ensuite. Steps to the GO, transit, theatre, restaurants. The ultimate urban lifestyle!
203 King Street East, Hamilton. $1,298,000 TEXT RBKYZTV
WEST HAMILTON CHARMER
LUXURY MANSION IN ANCASTER
Set amidst a 5.2-acre estate, this extraordinary 26,000+ sq ft mansion offers unparalleled luxury and privacy. The gated and secured property features a stunning 1/3-acre pond leading to a sprawling contemporary bungalow with lofted in-law quarters and a 5,210 sq ft detached garage with lounge, wash bay, and private gas pump — ideal for car enthusiasts. This state-of-theart home features the latest technologies including whole home automation with Control4 and a masterpiece 24-seat Dolby Atmos theatre with 24-foot ceiling, 254inch screen, and a Kaleidescape movie server. Sensational outdoor amenities are surrounded by serene countryside, yet minutes from the heart of Ancaster, the renowned Hamilton Golf & Country Club, and Highway 403, offering both seclusion and convenience. $19,999,777
MULTI-UNITS IN DOWNTOWN ST. KITS!
$1,999,999 4546 sq ft - 5 units - 3 units with 2 beds & 2 units with 1 Bed - in addition a Barn, great for on-site storge & ready to transform to living or business space- 5 income generating units- all units incl major appliances - parking for 16
GREAT 3 UNIT COMMERCIAL BUILDING IN PRIME GRIMSBY LOCATION! $1,299,900
3 units - 4492 total sq ft - stone and stucco facade - high ceilings - large windows - rear parkingelevator - great signage.
GREAT 4 UNIT MULTI-PLEX IN PORT COLBORNE! $1,499,900
Four 2 bedroom units - each unit has sep. hydro, gas, SS appliances & parking for 2 - located on the Islandwalk the Welland Canal and West Street - great opportunity for investors!
PICTURESQUE FAMILY HOME ON THE HAMILTON MOUNTAIN! $849,900
3 BRs - 1 Bath - 1130 sqft - built circa 1951quiet dead end street - fin'd bsmt - separate gym - entertainer's backyard w/ playhouse & bar - short walk to GO Station - easy access to LINC , Concession St. shopping & restaurants.
BEAUTIFUL BUNGALOW IN THE LOVELY CRYSTAL BEACH! $599,900
2 BRs - 2 Baths - high ceilingsstunning kitchen - extended cabinetry - SS appliances - rear sliding doorprim BR w/ensuite - attached garage w/inside entry - close to all amenities.
GREAT INVESTMENT PROPERTY MULTIPLEX WITH 3 SEPARATE UNITS! $1,550,000 2 detached houses + storage bldg - Main house upper unit has 4 BRs & 2 baths - Main house lower unit has 2 BRs plus den & 1 bathBack house has 2 BRs & 2 baths - all units are permitted & legal and in a great location!
COMMERCIAL/INDUSTRIAL UNIT ON THE HAMILTON MOUNTAIN! $685,000 End unit-1650 sqft - large grade level bay door - tons of natural light - overhead forced air gas heatereasy access to LINC & Red Hill - near public transit - tenanted property.
GREAT OPPORTUNITY FOR LAND IN WAINFLEET! $374,900 125 ft by 349 ft vacant lot - short walk to Lake Erie - minutes to Port Colborne - close to golf courses and more - start planning your dream lifestyle today!
E. Martin Mazza*
Nancy Mazza Cyndi Love**
Emily DeNardis*
Nancy Mungar* Jennifer Ferreira Ivan Kamladze**
Kate Daters
Ali Sarnelli*
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*BROKER/SALES REPRESENTATIVES
TINA GIRARD JAKE ROBERTS
ANCASTER - $19,999,777
Set amongst a 5.2-acre paradise estate with 1/3 acre pond is a stateof-the-art bungalow mansion with over 26,000 sq ft of luxury living, plus a 5,210 sq ft dream garage with sensational outdoor amenities surrounded by peaceful countryside. www.1272Fiddlers.ca
FLAMBOROUGH - $4,999,900
108+ acre country paradise with 7 serene ponds, 30 acres of farmland, and a scenic wrap-around porch. Almost 6000 sq ft luxury home plus 60 x 40 ft triple garage/workshop with 2-bed loft. Swim spa, pool house and 4 ft outdoor fireplace/pizza oven. www.1041-8thConcession.ca
BEAMSVILLE - $3,450,000
Build your dream estate home with 350 ft of unrivaled Lake Ontario views set on 10.48 acres backing onto a vineyard and winery. This newly severed parcel offers sweeping vistas of Lake Ontario, the Toronto skyline and the majestic Niagara Escarpment. www.4558Lakeside.ca
KEVIN GIRARD*
FLAMBOROUGH - EXCLUSIVE
Exquisite modern masterpiece located in an exclusive enclave of estate homes. Set on 1.6-acres with a backyard oasis. Over 6000 sqft. of custom luxury with main level primary, towering ceiling heights, and an entertainer's basement. Control4 automation. CALL FOR DETAILS
ANCASTER - $3,797,000
Almost 7000 sq ft of modern luxury set on a 2.5-acre nature paradise minutes to all Ancaster amenities. Custom designed 4+1 bed, 6 bath with entertainer's basement. Spacious living areas, gourmet kitchen, hotel inspired primary suite and a professional gym. www.18Elder.ca
ANCASTER - $2,699,900
Spectacular luxury family home in prestigious Oakhill. Almost 5600 sq ft. of finished living with up to 7 above grade bedrooms for large families, a gourmet eat-in kitchen, a fully finished walk-out basement, and a backyard oasis with ozonator pool. www.175Oakhill.ca
CREEK - $1,785,000
Custom 2,025 sq ft luxury bungalow on 1-acre gated estate on Stoney Creek Escarpment. 3-beds, 3-baths, with 900 sq ft insulated detached triple garage/workshop. Built with superior construction. Automated lights, cameras and security gate. www.365Mud.ca
- $1,150,000
Perfectly situated within the Entertainment district across from Roy Thompson Hall. Unit 2201 has undergone an exquisite luxury transformation offering 1225 sq ft with 1+1 beds and 2 full baths. www.71Simcoe.ca HAMILTON - $1,049,900
Exquisite luxury transformation. Almost 2000 sq ft above grade with 4bedrooms, 2 full baths and a custom kitchen. Original character features, hardwood & marble floors & solid doors. 56 x 100 ft. property with double garage steps to Gage Park. www.100Kensington.ca
- $829,900
Beautifully updated and meticulously maintained 3-bedroom, 3bathroom freehold townhome offering a perfect blend of modern living and family-friendly convenience. Located steps to top tier amenities. Open concept living and finished basement. www.50Valridge.ca
- $899,900
Beautiful 2.5 storey, 5-bedroom century home in downtown Caledonia walking distance to Grand River. Huge 74 x 305 ft property with inground pool, hot tub and 25 x 32 ft double garage and workshop (2009). Updated mechanics. www.94Sutherland.ca
ERIE - $799,900
Immaculate 1380 sq ft 2+1-bedroom bungalow with fully finished basement, 3-season sunroom, and accessible main bath. Built in 2016 and situated on a 50 x 115 ft property. In the Village of Stevensville minutes from Conservation and all amenities. www.4003LowerCoach.ca
TOWNHOME ON HAMILTON'S CENTRAL MOUNTAIN Built in 2011, this 1431 sq ft gem boasts a stylish exterior, & open-concept main level with large living/ dining room, kitchen, & 2-pce bath. 3
On a 40 x 110 ft lot, with ample outdoor space. Main level boasts a formal living room, dining area, kitchen, & powder room. Upstairs, 2 bedrms & 4-pce bath. Detached garage, parking for 2+ vehicles. $310,000
BUNGALOW WITH IN-LAW SUITE IN ST. CATHARINES Upstairs: open concept living/ dining room, updated kitchen, laundry, 3 bedrms & 4-pce bath. Downstairs: side door access leading to office, updated eat-in kitchen, 4 pce bath, 2 bdrms, laundry & storage. $595,400
SIDESPLIT IN THE HAMLET OF SWEET CORNERS This 4-level 1,808 sq ft side-split sits on a 0.834-acre lot with a double car garage. Formal liv/din room & kitchen. 3 bedrms & 4-pce bath. Lower level leads to the family room, 4th bedrm & 3-pce bath. $399,900
AFFORDABLE CONDO IN HAMILTON'S GIBSON NEIGHBOURHOOD Fully renovated & updated 1 bedrm, 1 bath unit with incredible built-in storage. Bright oversized windows, updated 4-pce bath & sleek kitchen. Great opportunity for a low-maintenance, move-in ready property. $259,900
FANTASTIC RENTAL OPPORTUNITY
Executive lower level in the Concession neighbourhood of Hamilton Mountain. 1 bedrm, 1 bath, updated kitchen, spacious living room, large 3pc bath, exclusive laundry access & fresh paint throughout. 1 designated parking spot. $1,700/MONTH
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BURLINGTON - EXCLUSIVE
24 unit apartment building in rare downtown Burlington location with a walk score of 96. Value-add with 45% rental upside. Easy to manage with no elevators or underground parking. Development potential. CALL FOR DETAILS
(4.15-ACRES M3) - $4,850,000 Prime development opportunity: 4.15-acres of industrial land Zoned M3. Prestige Business Park w/municipal services at the lot line. Located at Tradewind Drive across from Ancaster Business Park. 4-bedroom home on property. CALL FOR DETAILS ANCASTER (12.5-ACRES M10) - $2,999,900
12.5-acres of industrial land zoned M10 in the Airport Employment Growth District. No regulated features impacting future development. Quality backsplit and large workshops offer interim rental opportunity. CALL FOR DETAILS
STONEY CREEK - $1,299,900
- $2,499,900
Quality built 8405 sqft. all brick commercial building offering an ideal live-work opportunity or a prime commercial space to grow your business. 21-ft height industrial shop with heavy duty crane and luxury residential living space (inground pool). www.1645Main.ca
Development opportunity on Highway 8 with potential to join neighbouring property for 115 units. Currently zoned R6 (single/semi/ duplex/towns) with severance potential. CALL FOR DETAILS MOUNT HOPE - $1,149,900
Renovated 3-bed home on half acre (132 x 165 ft) double lot less than 1KM from Hamilton Airport. C6 zoning offers commercial development opportunity. www.9056Airport.ca
GREENSVILLE - $925,000
1.1-acre lot on quiet cul-de-sac. Build your dream home amongst custom estates just 10 minutes from downtown Dundas. Approved plans for 3,700 sq ft bungaloft available. www.21Hauser.ca
UNDERSTANDING CHANGES TO HOME INSURANCE
By Julie Achtermeier
As climate change continues to impact weather patterns, staying informed about your homeowner’s insurance policy is more important than ever. In recent years, some insurance providers have changed their policies to include or exclude coverage for natural disasters such as floods, wildfires and storms, depending on your region. We explore the latest changes in home insurance and provide tips on reading and understanding your policy to help you navigate these challenging times.
STANDARD HOME INSURANCE POLICIES
Home insurance policies typically cover damages caused by several risks, including fire, theft, and some natural disasters. In Hamilton and the surrounding area, a standard home insurance policy generally includes the following coverages:
• Dwelling coverage: This covers the structure of your home, including the roof, walls, and built-in appliances, against damages.
• Personal property coverage: This protects your personal belongings, such as furniture, electronics, and clothing, from damage or theft.
• Liability coverage: This provides protection in case someone is injured on your property and sues you for damages.
• Additional living expenses: This covers the cost of temporary housing if your home becomes uninhabitable due to natural disaster, fire or flood.
ENHANCED FLOOD COVERAGE
Flooding has become a significant concern in recent years, with several areas prone to flash floods and water damage. Insurers are now offering enhanced flood coverage, which includes protection against overland flooding and water damage from rainstorms. This coverage often includes structural damage to the foundation, walls, electrical systems, and plumbing, as well as content coverage to protect against the loss of personal belongings damaged by floodwaters. It is important to note that this coverage is often optional and may require an additional rider and premium.
EXTREME WEATHER EVENTS
Home insurance policies generally cover damages caused by other extreme weather events, such as:
• Windstorms: This includes damage from high winds and tornadoes.
• Hail: Coverage for damages caused by hailstones impacting your home.
• Lightning: Protection against fires or electrical damages resulting from lightning strikes.
• Wildfires: Covers the cost of repairing or rebuilding your home and replacing personal belongings. Also covers the cost of temporary living if your home becomes uninhabitable.
REVIEWING YOUR POLICY TERMS AND EXCLUSIONS
Thoroughly review your home insurance policy to ensure you have adequate coverage. Here are some tips to help you navigate your policy terms and exclusions:
UNDERSTAND WHAT IS COVERED
Read through your policy to identify the specific perils covered. Ensure you have coverage for the most likely risks in your area, such as flooding, windstorms, and hail.
CHECK FOR EXCLUSIONS
Pay close attention to the exclusions section of your policy. This section outlines what is not covered. Common exclusions include:
• Floods: Determine if you are considered in a flood-prone area and whether you require a special rider or additional coverage.
• Wildfires: With the incidents of wildfires increasing in some areas of Ontario, verify that your policy includes this coverage. While wildfires are not typical to Hamilton and the surrounding area, changing weather patterns may lead to further coverage changes.
VERIFY COVERAGE LIMITS AND DEDUCTIBLES
Ensure that your coverage limits are sufficient to rebuild your home and replace your belongings in the event of a total loss. Consider the replacement cost of your home rather than its market value. Also check the deductibles for each type of coverage. A deductible is the amount you must pay out of pocket before your insurance kicks in.
ADD NECESSARY RIDERS
If your standard policy does not cover certain risks, consider adding endorsements or riders to enhance your coverage. For instance, you can add flood or wildfire coverage to protect against these specific perils if they are omitted.
CONSULT WITH AN INSURANCE AGENT
A knowledgeable insurance agent can help you understand the fine print of your insurance policy and recommend additional coverage based on your needs. Staying informed about changes to home insurance policies and understanding the coverage for natural disasters is essential for homeowners in our area. By reviewing your policy carefully, understanding the exclusions, and considering optional riders, you can ensure that your home and belongings are well-protected against the increasing risks of natural disasters.
STUNNING HOME, nestled on just under an acre of mature treed grounds. This southern-style bungalow loft design boasts a spacious main floor primary bedroom and a two-storey ceiling in the great room, highlighted by a floor-to-ceiling natural stone, wood-burning fireplace. 2 bedrooms, 2 full bathrooms upstairs. Above the garage, a versatile room can
as a bedroom or a teen retreat with its own private entrance. The basement includes a
Freehold bungalow w/condo fee for exterior maintenance. Features an o/concept layout, 9 ft ceilings, principal bedrm with walk-in closet & ensuite, 3 guest bedrms, 3 guest bathrms.
Exquisite 3-bedrm chalet-style home, right across from Lake Erie! Rare 1/2-acre lot & 100 feet of frontage. Stunning interior with luxurious upgrades! Open concept main floor
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CHARMING BUNGALOW Steps from trendy Ottawa Street in a sought-after location! Spacious living and dining room, currently used as a 3rd bedroom. Enjoy a private, fenced yard with a new deck, and low-maintenance. An unfinished loft offers great potential. Walk to
Ample
ONE FLOOR LIVING Well maintained brick bungalow in the sought after East Mountain area of Hamilton. 3 bedrooms, 2 full baths, updated eat-in kitchen, and oversized windows for natural light. The finished basement with separate entrance offers potential for an in-law suite. Large, private, fenced yard with a gazebo. Located in the desirable Hampton Heights neighbourhood.
28+/-
kitchen, 4 beds, 3 baths, and a finished basement combine to offer the perfect blend of style and comfort. Text RBKXGLB $1,599,000 MODERN LUXURY IN STRATFORD
This two-bedroom bungalow offers rural charm with modern updates. Renovated
$1,195,000
NEW LISTING - METICULOUSLY KEPT CUSTOM HOME on 333' deep lot. Spacious kitchen, plenty of storage leading to bright living/dining. Spa like ensuite in primary bedrm. Finished basement w/ bar area, 2 car garage, ample parking.
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$458,000
TURN KEY 3 BEDROOM COTTAGE Beautifully decorated, overlooking Lake Erie. Private location at end of lane. Large yard, plenty of parking. Large bright kitchen, natural light, fireplace in living room. Lowbanks.
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NEW PRICE - PANORAMIC LAKE ERIE VIEWS! w/ expansive sandy beach access across the street. Home features 3 beds, including primary w/ walk out to lake view deck! Detached garage plus separate 2 storey shop! $735,000
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$499,900
SERENE RURAL COTTAGE ON QUIET ROAD Quick walk to amazing sand beach & minutes to golf course. Cozy cottage offers bright interior, eat-in kitchen. Plenty of parking, private back deck, and no rear neighbours.
NEW PRICE - CHARMING 2 BED BUNGALOW in the heart of Dunnville. Bright kitchen with plenty of storage. Spacious living room, separate dining with sliding doors to rear yard. BONUS sitting/mud room and detached garage. $470,000
$850,000
LAKE ERIE WATERFRONT W/ SAND BEACH 3+1 bed bungalow on deep lot. Breakwall w/metal stairs to amazing sand beach, steel roof. 1.5 car garage & shed. Upper level deck, lower level patios. Dunnville.
$699,900
GREAT HAMILTON WEST END LOCATION
Substantially renovated in 2024, 4 bed, 3 bath semi. Steps to trendy Locke Street. Lower level in-law suite. Updated front walk & raised garden bed, private fenced rear yard.
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$1,385,000
LONG BEACH MULTI UNIT INVESTMENT 5 separate units in 4 buildings (3 yr round units & 2 seasonal). Direct access walkway to world class sand beach! All units updated and well kept by long term owners. Large garage/workshop. Wainfleet.
$625,000
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$599,000
1.86 ACRES NEAR LAKE 3+1 bedrm bungalow. Spacious living area, large windows, eat-in kitchen. Rec rm w/ bar & gas fireplace in bsmnt, den/office. Large steel frame shop/ garage & rear storage building. Dunnville.
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INCREDIBLE INVESTMENT OPPORTUNITY! 11 unit building - 6 bachelor w/ 3pc & kitchenette, 2-1 bedrm units W/ full bath & full kitchen, 32 bedrm units w/ full bath, full kitchen & laundry. 2 blocks from downtown Dunnville. $1,450,000
GRAND RIVER WATERFRONT CONDO! 2 beds + den/office, 2 baths, and 2 balconies. Open concept, bright living area, updated kitchen, en-suite laundry, 2 parking spaces, storage locker. Near amenities. Dunnville.
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INVESTMENT OPPORTUNITY Residential 4-plex minutes to town, shopping & amenities. 3 units renovated. Separate gas/hydro meters. All 4 units occupied. Dunnville. $675,000
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