$2,998,000 On 5.65 acres, blending modern comfort with natural beauty. This 4-bed, 2.5-bath home spans 4,000+ sq ft, featuring a great room, eat-in kitchen, sunroom, stunning primary suite. Plus a workshop, chicken coop, orchard.
SPACIOUS MILLCROFT LIVING
$1,799,900 A dream home in Millcroft! This 4 bed, 3.5 bath, 3,443 sq ft gem features hardwood floors, high ceilings, a gourmet kitchen, office, and luxurious primary suite. Enjoy a covered porch, stone patio, and top-rated schools. Don't miss out!
Text RBLBHFB
END UNIT BUNGALOW
$949,800 Beautiful 2+1 bed, 3 bath end-unit bungalow with 2,200+ sq ft! Features granite kitchen, gas fireplace, walk-out basement, double garage & no condo fees. Quiet court near downtown Caledonia & Grand River.
BREATHTAKING VIEWS IN TYANDAGA
$2,499,900 Perched on a scenic Tyandaga hillside, this 3 bed, 2.5 bath home boasts 3,200+ sq ft of living space with stunning Burlington and lake views. Features include a gourmet kitchen, sunroom, fireplaces, wraparound deck, pool, and more. A rare gem!
DOWNTOWN CENTURY HOME
$1,899,900 4-bed, 2.5-bath house features hardwood floors, Heartland appliances, and cozy sunken family room. Enjoy a lovely backyard, spacious bedrooms, and third-level suite. 2 driveways, 2-car garage, potential for an in-law suite!
DEEP LOT ON TREE LINED STREET
$969,900 Lovely 3 bed, 2 bath home with a large fenced yard. S/S appliances, granite counters, pot lights and updated flooring. LL is finished, upper level bedrooms have walk-in closets. Close to schools, parks, shopping, and amenities.
Text RBJYMMK
SERENE LAKEFRONT LIVING
$849,900 Incredible water views! This 2-bed + den, 2-bath Admirals Walk condo boasts 1,551 sq ft, open living, eat-in kitchen, hardwood floors, ample storage, and fantastic amenities, including a pool and sauna!
FREEHOLD TOWNHOME
$959,999 Updated 3-bed, 2.5-bath end-unit townhome with 2,000+ sq ft of living space! Features new flooring, SS appliances, finished basement, deck, garage, and more. Prime location near transit, trails, and schools! END UNIT
Text RBLBHFC
WATERDOWN'S "TREND" BUILDING
$2,000/MONTH Lease this beautiful Trend Condo with SS appliances, high ceilings, breakfast bar, in-suite laundry & stunning views. Enjoy top amenities, locker, parking & BBQ terrace. Close to highways, transit & more!
Text RBKTCSB
Text RBKVDGH
Text
NEW LISTING
START HERE IN WATERDOWN
NEW LISTING
DESIRABLE HIGHLAND HILLS IN DUNDAS
$769,000 Approx 1293 sq ft + unfinished lower level QUAD. 3 bedrooms, 1.5 baths. Fully fenced. Quiet crescent. Steps to everything. Text RBKZVTV
NEW LISTING
IN THE HEART OF WATERDOWN WITH POOL
$1,399,999 Approx 2700 sq ft + unfinished lower level. 4 bedrooms, 2.5 baths. Backyard oasis. Loft family room with fireplace. Text RBLBCRQ
NEW LISTING
BREATHTAKING VIEWS ON 2 ACRES
$1,698,900 Approx 2810 sq ft + 800 sq ft in lower level. Renovated 4+2 bedrooms, 3.5 baths. Walk out from lower level. Park 8 cars. Text RBKYDFV
$1,299,000 Approx 2739 sq ft + unfinished lower level. 4 bedrooms, 2.5 baths. Desirable quiet crescent. Backyard retreat. Text RBKZMWG
NEW LISTING
PRESTIGIOUS TYANDAGA WITH POOL & HOT TUB
$1,649,000 Approx 2240 sq ft + finished lower level. Upgraded 4 bedrooms, 3.5 baths. Steps to Bruce Trail. Backyard oasis. Text RBKZZZC
RAVINE & POOL IN DUNDAS
$2,198,000 Approx 5200 sq ft of total living space. Private oasis on .58 acre lot. $300,000 in upgrades. Move-in ready! Text RBLBHXT NEW LISTING
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.
34 ISSUE 5 MAY / JUNE 2025
PUBLISHER
Tim Root
VP SALES & BUSINESS DEVELOPMENT
Fred Ferri
ART DIRECTORS
Vanessa Chong
Sarah Noble
CONTRIBUTING WRITERS
Julie Achtermeier
Jason Woods
SOCIAL MEDIA MANAGER
Trinity Paton
Next Issue Submission Deadline MAY 8, 2025
For Advertising or General Inquiries: 905 845 8732
info@trebpublishing.ca trebpublishing.ca
Want to see your home advertised in this magazine or featured online?
Contact any of the top real estate professionals advertised in this issue.
SHOWSTOPPER
$2,369,000 West Oak Trails! Stellar Kaneff, former model home, with 4+1 bedrooms, extensively updated inside
SOUTHEAST OAKVILLE
$2,139,000 Quiet street close to lake. Extensively updated 4-bdrm with hardwood, crown mouldings, skylight,
WEST OAK TRAILS
$1,745,000 Grand 4+1 bedroom home with pool & legal suite in walk-up basement. Hardwood floors, 9 ft & 2-
WEST OAKVILLE
$1,369,900 Solid 3 bedroom bungalow with a finished basement on a deep poolsized lot close to Lake Ontario, YMCA, & Appleby College. Renovate or build!
LUXURY LIVING
$2,679,000 Chic Fernbrook luxury town with rooftop terrace, elevator spanning all levels & the best of everything! Walk
GLEN ABBEY + POOL
$2,038,000 Get ready for summer fun in this fabulous 4+1-bedroom family home with a saltwater pool & new
LAKESIDE LIVING!
$1,699,900 Opulent 2-bedroom + den suite with 2 lavish baths & lake views. Elite downtown lifestyle, stellar
WESTMOUNT BEAUTY
$1,199,900 Gorgeous 3-bedroom endunit townhome with 9 ft main floor ceilings, upgraded hardwood floors & cabinetry, 2nd floor laundry, & 2.5 baths.
WEST OAKVILLE
$2,249,000 Beautifully renovated 4bedroom home on a large corner lot. Hardwood floors, 2 fireplaces, open-
CLOSE TO GOLF COURSE + POOL!
$1,925,000 Beautiful 4-bedroom home with pool across from Glen Abbey Golf Club. Hardwood floors, crown mouldings, 2 walkouts & family room with fireplace.
PERFECT LOCATION
$1,609,000 Timeless 4 bedroom home in West Oak Trails. Hardwood floors, crown mouldings, California shutters, & fireplace. Private backyard deck.
ELIZABETH GARDENS
$1,149,000 Lovely 3 bedroom sidesplit on a mature private corner lot. Walk to lake, schools, parks, Fortino's & 5 minutes to GO Train & highway.
6932 Island 1810, Cognashene $599,000
2-bedroom family cottage located on the west shore of Bone Island.
Large sundeck, hot tub and sheltered seating areas overlooking spectacular south views of Georgian Bay along with a large dock. There is a great workshop/bunkie with one bedroom and storage. The property has 240 feet of rocky shore and just under one acre of land.
Boat Access only.
620 Island 180, Gloucester Pool $1,149,000
990 ft of shoreline on nearly 4 acres of land. This stunning property provides privacy and breathtaking views of Gloucester Pool. There are two main docking areas and a screenedin gazebo/bunkie along the shoreline. A short hike through the forest reveals the perfect location for one or two guest cottages. The cottage is 1,450 sq ft, with a waterside deck, a wood-burning stove, 2-bedrooms, 2-bathroom and a spacious sleeping loft. Boat Access Only.
22428 Georgian Bay Shore, Cognashene $999,000
Breathtaking 6.12 acre property with 1470 ft of water frontage between 2 shorelines. This 3-bed, 2-bath partially winterized cottage has pine log siding & a large deck. Electricity is supplied by 3kw of solar panels. The cinder block basement is used for a workshop as well as storage. Down by the water, you’ll enjoy shallow access to perfect sand bottom swimming & substantial deep water docking system for your boat(s).
Boat access only.
43B Hansens Road, Gibson Lake $1,299,000
Gibson Lake road-access, four season home/ retreat situated on a 0.37-acre property with Canadian Shield scenery. Unwind on the dock, in the sunroom at sunset, or in your own private sauna. This 2-story home, constructed in 2009, offers ample space for the entire family with 4 spacious bedrooms. Plenty of storage with multiple closets, including 2 linen closets, & additional storage available in the partially finished basement/workshop & a shed. This property comes fully furnished.
IN HAMILTON'S HISTORIC DURAND NEIGHBOURHOOD
Circa 1922, this stately 2.5-storey homes sits on a mature 46 x 85 ft property, showcasing classic curb appeal. Step inside to the elegant foyer. French doors lead to the formal living/dining room, kitchen & a convenient mudroom. On the 2nd level, you will find the primary suite w/ access to the den, 2 additional bedrooms, an ensuite & a 4-pce bath. There is a 4th bdrm, 3-pce ensuite & storage on the upper level. Outside, enjoy the private, landscaped yard. Detached single-car garage w/ surface parking for 2 cars is accessible via a laneway.
$1,089,000 | Scarborough Alex Cleyn | 647-629-2434
$588,000 | Oakville Dario Zecevic | 647-285-7746
ELEGANT 4 BEDROOM HOME on a traditional family friendly court in Bronte, tastefully updated from top to bottom. Spacious main floor with large, bright sunroom addition facing the fully fenced and treed private yard with inground pool and hot tub. Hardwood floors on 2 levels. White kitchen with stainless steel appliances, granite countertops and breakfast bar. Primary bedroom with updated ensuite. Fully finished basement. Walk to Bronte Harbour. Minutes drive to Bronte GO station.
$1,949,000 $1,389,000
RARE OPPORTUNITY IN SOUTHWEST OAKVILLE! Elegant all-brick two-storey home, on a quiet, family-friendly crescent in one of Oakville’s most desirable mature neighbourhoods. Spacious living room with floor-to-ceiling windows, separate dining room, large eat-in kitchen. 4 large bedrooms upstairs, including a primary suite with double closets. Finished lower level. Private backyard with inground pool. With great curb appeal, solid bones, and an incredible backyard, this is a rare find!
$799,900
$1,100,000
HIGHLY SOUGHT AFTER WESTDALE INVESTMENT OPPORTUNITY! 8 min walk to McMaster. Fully rented 1,300 SF bungalow features 5 bedrooms, 2 kitchens and 2 bathrooms. Furnace (2023) and A/C (2021) are updated. On-demand tankless hot water added in 2021. Tenants pay utilities. Appliances included. Hardwood floors on main level. JUST LISTED!! Beautiful 3 bedroom freehold townhome located on a peaceful Glen Abbey street just steps away from Oakville’s Fourteen Mile Creek Trail. Enjoy the best of Oakville!
For Sale
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For Sale
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1 3 3 5 Br i t t o n Cr e s - Mi l t o n
1 3 3 5 Br i t t o n Cr e s - Mi l t o n
1 3 3 5 Br i t t o n Cr e s - Mi l t o n
1 3 3 5 Br i t t o n Cr e s - Mi l t o n
1 3 3 5 Br i t t o n Cr e s - Mi l t o n
For Sale
Britton Cres - Milton
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*BROKER/SALES REPRESENTATIVES
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
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
FLAMBOROUGH
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
KITCHENER - $2,199,000
Brand new modern luxury home backing onto Chicopee Park & Ski Resort! Only 14 homes in this upscale subdivision. Lot 14 offers 3654 sq ft of luxurious living above grade plus a 1066 sq ft finished basement. Triple tandem garage and elevator-ready. CALL FOR DETAILS
CALEDONIA - $1,199,000
Sprawling 3-bed bungalow on double-wide country property with 166 ft of frontage and an oasis backyard (heated pool). 5 mins to downtown and 10 mins to Ancaster. www.109Unity.ca
HAMILTON - $1,049,900
Exquisite transformation. Almost 2000 sq ft above grade with 4 bedrooms, 2 full baths, custom kitchen. Original character, hardwood, solid doors. Steps to Gage Park. www.100Kensington.ca
TORONTO - $1,150,000
Situated in the Entertainment District, unit 2201 has undergone an exquisite luxury transformation offering 1225 sq ft with 1+1 beds and 2 full bathrooms. www.71Simcoe.ca ANCASTER - $1,079,000
TORONTO - $995,000
Charlie Condos in the Entertainment District at King West. Unit 1407, a rare 862 sq ft corner unit with floor-to-ceiling windows. 2 beds & 2 full baths with a private balcony. www.8Charlotte.ca
ANCASTER - $829,900
Beautifully updated and well maintained 3bed, 3-bath freehold townhome in Parkview Heights just steps to amazing outdoor amenities (hockey, baseball, pools, trails). www.50Valridge.ca
Beautiful end-unit bungaloft backing onto a ravine with a double garage. 1900 sq ft with 3 bedrooms and 3 full bathrooms. Freshly painted throughout with new carpeting. www.40Wesleyan.ca
CALEDONIA - $899,900
2.5 storey, 5 bedroom century home in downtown Caledonia. Huge 74 x 305 ft property with inground pool, hot tub, and 25 x 32 ft double garage/workshop. www.94Sutherland.ca
FORT ERIE - $799,900
Stunning 1380 sq ft bungalow perfect for downsizers. Finished basement, 3-season sunroom, accessible main bath. Village of Stevensville mins from Conservation. www.4003LowerCoach.ca
HAMILTON - $469,900
Charming 2-bedroom bungalow situated on a deep 100-ft property in Crown Point close to great parks, schools and all amenities at Centre Mall. Updated kitchen and bathroom. www.46Robins.ca
GPLANTING YOUR GARDEN HARVEST, NO MATTER HOW SMALL
By Julie Achtermeier
ardening is an inexpensive hobby that provides fresh produce and a rewarding and relaxing experience. With grocery prices rising and many of us trying to buy more Canadian produce, our approaching summer is an excellent opportunity to try out your green thumb. Whether you have a spacious backyard or just a few pots on a balcony, you can grow fruits and vegetables successfully. This month, we offer tips on when to start planting indoors, options for small greenhouses, and the best crops to plant in Southern Ontario gardens.
Start Seeds Indoors
Starting seeds indoors is a great way to get a head start on the growing season, especially in Southern Ontario regions where the growing season can be relatively short. Seeds can be started indoors six to eight weeks before the last expected frost date, typically the long weekend in May. Ideally, start seeds in March or April. If you’re starting a bit late or indoor lighting is insufficient, use grow lights to speed up the process.
Tips for Indoor Planting
Use seed trays or small pots with drainage holes. Ensure they are clean to prevent disease.
Select a seed-starting mix that is light and well-draining. Potting soil can be a bit heavy and dense for seedlings.
Provide adequate light, such as grow lights, to ensure at least 12-16 hours daily.
Maintain a temperature of 18-24°C (65-75°F) to promote germination.
Purchase a heat mat or set up a table in a warm room.
Keep soil moist but not soaked using a spray bottle instead of heavy watering.
Greenhouse Options
A small greenhouse can extend your growing season, protect plants from harsh weather, and provide an ideal environment for seed-starting and young plants. Here are some options for small greenhouses suitable for suburban backyards or patios.
Mini greenhouses are compact and can fit on a balcony or patio. They are perfect for starting seeds and protecting young plants.
Cold frames are low-profile, box-like structures with a transparent lid. They use solar energy to create a warm environment for plants.
Pop-up greenhouses are portable and easy to set up. They are great for temporary use and can be moved around as needed.
Walk-in greenhouses offer more space and are suitable for more extensive gardens. They allow you to grow various plants and tend to them comfortably.
Best Fruit and Vegetable Options
Leafy greens such as lettuce, spinach and salad bowl greens are cool-weather crops that can be planted in the garden in early spring and again in the fall. From seed to yield takes approximately four to six weeks. Keep a pot in your kitchen in a sunny location for daily use.
Tomatoes thrive in warm weather and are perfect for ground planting and pots. Hanging pots have become popular and provide more versatility in small spaces.
Peppers, both sweet and hot, grow well in gardens and pots. They enjoy sunny spots and well-drained soil.
Cucumbers are easy to grow and produce abundant yields. They can be trained to climb, saving space in your garden.
Beans, both bush and pole beans, are excellent choices. They are easy to grow and provide continuous harvests throughout the season.
Strawberries are perfect for pots or hanging baskets. They enjoy full sun and well-drained soil.
Raspberries can be grown in containers or planted directly in the ground. They prefer a sunny spot and well-drained soil.
Blueberries require acidic soil and are well-suited to container gardening. Ensure they receive plenty of sunlight.
Dwarf apple and peach trees can be successfully grown in backyards with full sun and well-drained soil.
This season, planting more fruits and vegetables can bring healthy options to your table while saving you money at the grocery store and providing a relaxing hobby. You can ensure a bountiful harvest by starting seeds indoors, utilizing small greenhouses, and choosing the best crops for your space. Happy gardening!
$4,500,000
FRENCH CHATEAU INSPIRED ESTATE WITH SPRAWLING ACREAGE
$4,500,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
$4,500,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
This is a storybook estate like no other. Nearly 14 acres of natural surroundings. Nearly 14,000 sf of total space, 7 beds & 9 baths. $9,895,000 STUNNING FAMILY HOME IN SOUTHEAST OAKVILLE 4+1 bedrooms, over 6,700 sq ft of living space w/ chef's kitchen, family room w/ gas fireplace, finished lower level. 103 by 145 ft lot with pool.
$4,500,000
$5,750,000 QUALITY BUILT CUSTOM HOME IN WEST OAKVILLE Stunning newly built custom home in West Oakville. Architectural design by Keeren Design and masterfully built by Profile Custom Homes in 2023. $3,750,000
$3,330,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
LARGE RENOVATED BUNGALOW IN SOUTH EAST OAKVILLE Complete with a two-car garage, on a 1/4-acre west-facing lot and offers over 5,000 total sq ft of newly renovated living space.
$4,500,000
$1,999,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
EXECUTIVE DETACHED HOME Tucked away in a prestigious enclave of executive homes, this 4-bedroom, 3-bathroom residence has been maintained and updated by its original owner.
$4,500,000
$1,799,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
SUPERB BUNGALOW, FULLY RENOVATED INSIDE AND OUT 2,174 sq ft of total living space, the quality and attention to detail is clearly evident. No stone has been left unturned. Move in and enjoy!
Team in the World for Century 21 for 2024 #1
$4,500,000
$5,495,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
EXQUISITE CUSTOM HOME STEPS TO THE LAKE Meticulously crafted + finely styled custom home. Just under 8500 sf of living space on a supremely private estate lot in south Morrison.
$4,500,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
RESORT LIFESTYLE HOME ON MATURE LOT IN MORRISON Highly desirable family home, completely renovated in 2016. 4 bedrooms, 4.1 bathrooms with 3,360 sq ft above grade plus fully finished lower level. $2,999,000
$4,500,000
$1,789,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
SEMI-DETACHED IN THE HEART OF BRONTE VILLAGE Offering the perfect blend of charm, comfort, and convenience is this freehold semidetached, just steps from the lake and scenic waterfront trails.
$4,595,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
CUSTOM BUILT HOME IN THE HEART OF OLD OAKVILLE Located in one of Oakville's most desirable pockets, this new home features over 3,100 sq ft above grade and a rare double car garage.
$4,500,000
$4,500,000 Team in Canada for 21 years in a row #1
$2,695,000
IMMACULATE FAMILY HOME IN FAIRWAY HILLS POCKET IN GLEN ABBEY Executive, renovated family home in Fairway Hills community in Glen Abbey. Refined and bright interior w/ 4+1 beds & 3.5 baths.
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
$899,000
SE Oakville - Masterfully crafted west coast transitional family home. Over 9000sf total, 5+2 beds, 10 baths. Century old treelined street. Walk to lake+downtown.
CHIC LAKEFRONT CONDO IN BURLINGTON Completely renovated nearly 1400 sq ft, 2 bed + 2 bath condo in south Burlington. Perched on the shores of Lake Ontario, this is a great lifestyle opportunity.
BURLINGTON - $7,499,000
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 elevator or underground. CALL FOR DETAILS DUNDAS - EXCLUSIVE
KITCHENER - $4,799,000
Attention builders & developers: Prime residential investment opportunity offering 7 brand new serviced luxury building lots backing onto Chicopee Park & Ski Resort. CALL FOR DETAILS
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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
2.39-acre waterfront property on Spencer Creek in downtown Dundas for development. 8-storey, 120-unit condominium or retirement home with massive upside up to 12 storeys. CALL FOR DETAILS
ANCASTER (12.5-ACRES M10) - $2,999,900
12.5-acres of industrial land zoned M10 in Airport Employment Growth District. No regulated features impacting development. Quality backsplit and workshops for interim use. CALL FOR DETAILS
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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
(4.15-ACRES M3) - $4,850,000
Prime development opportunity. 4.15-acres of industrial land zoned M3. Prestige Business Park. Located at Tradewind Drive across from Ancaster Business Park. Services available. CALL FOR DETAILS
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& PROS CONS
of Paying Off Your Mortgage Before Retirement
BY JASON WOODS
Ifretirement is approaching, you may be considering whether it’s wise to pay off your mortgage early.
As with many significant financial decisions, there isn’t a one-size-fits-all answer. However, understanding the advantages and disadvantages can help you make an informed choice.
PROS OF PAYING OFF YOUR MORTGAGE EARLY
• FINANCIAL FREEDOM AND PEACE OF MIND
Entering retirement without mortgage payments allows more monthly savings. Travel, hobbies, or spoiling your grandkids - all become easier when you’re not worried about housing payments.
• INTEREST SAVINGS
By paying off your mortgage early, you significantly reduce the amount you pay in interest. That’s thousands (potentially tens of thousands) of dollars saved that you can put toward your retirement goals.
• REDUCED FINANCIAL RISK
Owning your home outright provides stability. You won’t have to worry about rising interest rates or market fluctuations affecting your mortgage affordability. This security is invaluable, especially during retirement when income is often fixed.
CONS OF PAYING OFF YOUR MORTGAGE EARLY
• LOST INVESTMENT OPPORTUNITY
When you put extra cash towards your mortgage, you miss out on investing that money elsewhere - like retirement accounts or other investment vehicles that might provide a higher return. Balancing mortgage payoff with investing is crucial, and that’s where professional guidance can help.
• REDUCED LIQUIDITY
Paying off your home early can reduce your cash availability, making it harder to access funds for unexpected expenses. Retaining a mortgage may offer you greater financial flexibility.
• TAX CONSIDERATIONS
Although mortgage interest isn’t tax-deductible in Canada (unless the loan is investment-related), having accessible cash to invest can sometimes provide better tax advantages than paying down a low-interest mortgage early. Everyone’s tax situation is unique, so getting personalized advice is key.
SO, WHAT’S THE BEST DECISION FOR YOU?
Ultimately, the decision to pay off your mortgage before retirement depends significantly on your personal financial goals, current income, and retirement plans. Your mortgage broker will be able to assist you in this process. At every stage of your financial journey, a qualified and expert mortgage broker can help you assess your options, weigh the pros and cons, and make informed decisions that align with your retirement goals. If you’re looking to explore refinancing options, effectively manage debt, or balance your mortgage payoff strategies with smart investing, make sure that you get professional advice that is tailored to your unique situation.
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.
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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!
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WONDERFUL 3 bed, 2 FULL bath, 1,053 sq ft townhome. Affordable & well-maintained complex with an exclusive parking spot & visitor parking pass. Great location close to schools, parks, shops, & easy hwy access.
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LIVE & WORK IN STYLE!
STYLISH LIVE/WORK GEM in downtown Hamilton. Sleek, main floor retail space plus 2 storey residential loft with soaring ceilings, exposed brick, gorgeous kitchen, private deck, & bedroom retreat! Steps to EVERYTHING!
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CHOOSE YOUR STYLE!
STUNNING, (TO BE BUILT) CUSTOM HOME
Approx 2,870 sq ft, open concept with elevator. 3 beds + loft studio or 4th bedrm, 3.5 baths, 2nd floor laundry, walkup from lower level, attached garage + driveway! 279 Hess Street South, Hamilton. $1,495,000 TEXT RBKFWMV
WEST HAMILTON CHARMER
WALK TO DUNDURN CASTLE
BEAUTIFUL GRIMSBY
SPRING PROJECTS TO PERK UP YOUR PATIO
With spring in full swing and gardening projects on your mind, it’s time to start thinking about enjoying the patio again. A few small improvements can take that dull, blank space and turn it into a patio with panache.
1. PAINT THE FLOOR OR STAIN THE DECK.
Plain Jane concrete on your patio isn’t something to get excited about, and a tired looking deck isn’t either; but painting the concrete or staining the deck can perk up your porch or patio. Go to your local paint store and have them help you pick out a colour and give you all the prep materials. It’s more time-consuming than hard, but a painted patio looks neat and stylish.
2. PAINT YOUR FURNITURE.
Over the winter or after several years outdoors, patio furniture can lose its lustre. Sand and spray-paint your furniture to bring it back to life. If you have a big set, look for a local painter who can sandblast and powdercoat your furniture to make it look like new again.
3. CREATE A SEATING OR AN EATING AREA.
Give your patio a defined eating or seating space with an indoor/outdoor rug. Add a seating arrangement to create an outdoor living space or a table for some al fresco dining in your new outdoor room.
4. STRING UP SOME LIGHTS.
Add some string lights across the patio for great Mediterranean bistro ambiance at night. Add a timer so the lights pop on and off automatically.
5. PLACE LANTERNS AROUND THE SPACE.
Romantic and ethereal, candle lanterns set artfully around a seating area, next to a chair or on a dining table are uber-romantic and create a layered lighting effect.
6. ELECTRIFY IT.
Install a sound system or electrical outlets to enjoy TV or music on the patio. With Wi-Fi-enabled speakers and televisions, you can turn your patio into an outdoor living room.
7. ADD WATER.
Create a patio fountain out of a planter. Cluster a grouping of plants around an urn, pop in a fountain pump, and you have a terrific sound that’s peaceful and can help drown out background noise.
8. GET UNIQUE SEATING.
Make lounging outdoors more inviting with a swinging bed hung from the ceiling or a pair of swinging rattan chairs. They’re trendy and will be the seat everyone wants to sit in when you go outside.
9. RE-CUSHION CHAIRS AND COUCHES.
Patio cushions take a beating from the elements and the sun, so replace them to refresh and update your patio. Mix solid seat cushions with patterned throw pillows for a homey feeling.
10. ADD SHADE OR STRUCTURE.
If your patio is flat and exposed, it’s time to add an arbour or string up some sunshade fabric that will give you much needed shade and help you enjoy more time outdoors comfortably.
After being cooped up in the house, a patio project is the perfect way to get some fresh air and prepare for the summer months ahead.
$1,649,000 -950 Wintergreen Place | Burlington, ON
Explore this 2,470 sq ft bungalow in Aldershot with 3 beds, 3 baths, spacious living areas, and a large unfinished basement all in a prime Burlington location!
Jo-Anne Copeland | REALTOR® | Advisor
Jack Copeland | REALTOR® | Advisor jo-anne.copeland@evrealestate.com 905-301-6677
jack.copeland@evrealestate.com 647-922-1989
$2,148,000- 216 Rebecca Street | Oakville, ON
This luxurious 3,300+ sq. ft. townhome in South Oakville offers an elevator, grand master ensuite, parking for 4 cars, and two rooftop decks with a hot tub, all within walking distance to the lake Upgrades include a chef's kitchen, formal dining room, hardwood floors, and a soundproofed basement media room
This stunning 5+1 bedroom, 7-bath European-inspired waterfront estate on Lake Ontario features breathtaking views, a chef’s kitchen, formal living and dining rooms, a cozy family room, a private library, a saltwater pool with cabana, set on a 115' x 682' lot with privacy and lake views. Katrina Tavares | REALTOR® | Advisor katrina.tavares@evrealestate.com
416-456-6690
$1,649,000 - 2084 Arbourview Drive | Oakville, ON
This 4-bed, 2 5-bath executive home in Westmount features over 2,800 sq ft of living space, a grand foyer, spacious kitchen and family room, large primary suite, and a partially finished lower level, with recent updates and walking distance to amenities and easy access to highways and Pearson Airport.
Peter Kolisnyk | Broker | Private Office Advisor peter.kolisnyk@evrealestate.com 905-815-3521
