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May. 25 - Jun. 08, 2013 Volume 13 Issue 10

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ANCASTER PERFECT COUNTRY SETTING OFFERED AT $1,495,000. Drive by 508 Book Rd. W. and see for yourself! Amazing 6100sqft home with wonderful layout on gorgeous 2.98 acres with pond and 2 level 4000sqft outbuilding, inground pool, quality finishings and spectacular location! For your personal tour, contact Sue DePaulo, Sales Representative, Royal LePage State Realty, Brokerage 905-648-4451 or sue@suedepaulo.com www.suedepaulo.com 2113_KIMRI_0050

artists conception

LOCATION! LOCATION! LOCATION! - $217,900 - Walk to Waterfront, Art Crawl, Farmer's market & more. Two bedrm updated bungalow. Open concept LR/DR/Kitchen. Loads of updates. High bsmt w/ Rec rom, spare room/office, walk-out to pretty yard & patio. Front parking. MLS# H3109630. 196 Ray St. N. Val Dalgetty-Righton, Sales Representative Coldwell Banker Pinnacle Real Estate Brokerage 905-522-1110. 2113_KIMRI_0031

3 CAR GARAGE BACKSPLIT - $278,600 - Hagersville, 60' WIDE LOT, Finished family room. Close to hospital, schools and park. Open Sat & Sun 12-4pm and by appt. Other furnished models. www.plouffehomes.ca Donald Plouffe, Broker of Record, Donald Plouffe Ltd. Real Estate Brokerage. 905-632-5940. 2113_KIMRI_0013

REDUCED $10,000 - START OR INVEST HERE! - Cheaper than rent! Brick bungalow with paved dble side drive, large shed w/ hydro in fenced rear yard. Full basement has a 3rd bedrm, laundry and rec rm. Freshly painted main floor boasts updated bath w/ jetted tub, hardwood & new tiled floors, eat-in kitchen & dining rm. Includes Survey, 2004 C/Air, 2004 Furnace, B/I dishwasher, washer, dryer, fridge & stove. MLS #H3108326. Marilyn O' Blenis, Sales Representative, RE/MAX ESCARPMENT Realty Inc., Brokerage 905-573-1188 or visit www.MarilynOblenis.com 1913_KIMRI_0022

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8 BATES LANE, DUNNVILLE. $229,000

Lakeview insulated cottage w/3 bedrms, full bathroom, spacious o/concept kitchen/din/living w/cathedral ceiling, electric f/place and new patio doors to sprawling lake view deck & rear deck. Offers 1/2 acre landscaped lot with lots of parking and deeded right-of-way to sandy beach directly across a low traffic road. Includes all appliances & furnishings. Call Darren Papineau to view. MLS H3108187. 2113_KIMRI_1_0052

2 WILCOX DRIVE, PEACOCK POINT $244,900

Vacation at home! Lakefront at tip of Peacock Point with spectacular Lake Erie view! Fully winterized and lived in year round by current owner. Features open concept living/dining/kitchen w/oak cabinets & pine ceiling, 2 bedrooms w/recent Berber carpet, updated 4 pc bathroom & mnflr laundry. Upgrades include decor, shingles-07, concrete shoreline protection, new shed, exterior doors & wndws, gas f/place, nat gas furnace, 200amp brkrs, cistern & full septic bed. MLS H3105443.

LAKEVIEW W/ ACCESS TO SAND BEACH

PR ICE W NE

2113_KIMRI_0021

G TIN LIS W NE

12063 AUGUSTINE RD, WAINFLEET $495,000

Relax in this quaint 3 bedroom fully furnished insulated cottage set on a beautifully landscaped 80â€™ x 208â€™ Lake Erie waterfront lot. Lovingly restored and maintained property boasts a private setting w/mataure trees and perennial gardens providing a sanctuary on the large rear patio with fenced yard and a beautiful beach. The single car garage/workshop provides additional storage and parking. Call Darren Papineau to view. MLS H3109545.

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4745 RAINHAM ROAD, SELKIRK. $209,900

3100 HALL ROAD, BINBROOK $599,000

Gorgeous raised ranch on 13 acres set up for horses includes 5 stall 50â€™x30â€™ barn w/hydro and concrete floor w/drain. 40â€™x20â€™ heated tack rm (former dog kennel), 30â€™x24â€™ run-in shelter, 3 pastures w/recent oak, electric fence & pond. Home features 2+2 bedrms, 2 bthrms, modern kitchen w/brkfst bar o/concept dining/livrm w/wood f/place & finished basement. Features hi/eff furnace, c/air, drilled well w/water softening system, 200 amp service w/backup generator panel and heated double car garage w/new overhead doors. Located 5 min south of Binbrook. Call Darren Papineau to view. MLS H3106641

ICE NE

HO 3.8 BB 9 A YF C AR M

RIDING ARENA

16 PARK ST. WEST, SELKIRK $139,900

6075 RAINHAM RD, DUNNVILLE $339,900 Hobby Farm! Classic 3 bedrm century home w/addition located on almost 4 acres set up for horses. Great setting with detached garage/workshop (16x20) plus small horse barn with tack room suitable for a few horses plus a paddock, indoor arena (40x80), Home Gym Building (32x32) w/heated floor & washrm. Home features large principal rooms, 2.5 baths, 2 staircasesf, heff not gas furn, wd stove, most new windows, recent shingles, updated electrical and plumbing. Call Darren Papineau to view. MLS H3108162.

2113_KIMRI_1_0072 2113_KIMRI_2_0078 2113_KIMRI_1_0173

Affordable 3 bedrm vintage 2 storey on large lot, backs onto green space. Features huge principal rooms, renoâ€™d bathrms & kitchen, newer capret & flooring, front porch (05), 30x10 rear deck (11). Most newer windows & ext. doors, full walk up attic. Great property for first time buyers! Call Darren Papineau to view. MLS H3104884.

Call Darrenâ€™s SELL phone 905-978-SOLD (7653) for a FREE Home Evaluation!

www.HaldimandHomes.ca for virtual tours & custom home plans online! 2G

2113_KIMRI_2_0038

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TR Y UN CO 955 CONCESSION 3, FISHERVILLE $369,900

Immaculate 3 bedrm country home w/30â€™x30â€™ workshop heated w/wd stove. Finished lower level offers in-law setup w/2nd kitchen, 3 pc bath, 2 more bedrms, famrm w/built in desk & wd stv. Features oak kitchen, hrdwd flrs, dinette w/patio drs to multi-level deck, elect f/place, updated windows, new metal roof, recent furnace and water heater, c/air, u/v light and filter water treatment, alarm system, 2 sheds, wd storage, treed lot, paved drive w/iron gates. Located 30 min south of Hamilton and 10 min to Lake Erie. Call Darren Papineau to view. MLS H3107031.

2113_KIMRI_1_0057

195 TOWNLINE ROAD E, CAYUGA $309,900

Stunning 3 bedroom open concept â€œViceroyâ€? home w/cedar exterior. Features vaulted ceilings, loads of windows, skylight, rear Muskoka room addition (07), finished basement w/cozy wood stove fireplace and bar area. Beautifully decorated & immaculately kept with updated bathrooms and recent hardwood flooring. Situated on a private 3/4 ac treed lot with large shed and boat storage. Near Highway 54 about 30 min to Hamilton. Worth the drive! Call Darren Papineau to view. MLS H3103100

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2113_KIMRI_1_0042

Immaculate 3 bdrm, 2.5 stry brick home, over 1/2 AC w/ 36â€™ x 34â€™ shop/gar. Completely renoâ€™d w/ 2 bths, oak kitch, o/con din/liv, huge finished loft + m/bdrm that can be converted back to 2 bdrms. Extras incl conc patio off dinrm, rear mudrm, covâ€™d frnt veranda, repl wndws, h/eff furn (11), pool liner (10), a/grnd pool, 100 amp hydro, pvd drive & brick shed. Great family home w/ over 2000sf + finished bsmnt! Call Darren Papineau. MLS H3103798.

Stylish 1.5 stry 3 bdrm country home plus det 1.5 car gar w/conc flr & hydro. Thousands of dollars recently spent incl new kitch w/ granite cntrs, updated bthrms, h.eff furn, 100 amp brkrs, 3000 gal cistern, repl wndws, drs + trim, vinyl + laminate flrs, freshly painted int decor. Eat-in kitch, o/c liv/din, mnfl pwdr rm, partly fin bsmt w/recrm, wd stv f/p, c/vac, stl roof & encl back deck. Call Darren Papineau to view. MLS H3102097

6267 RAINHAM RD, DUNNVILLE. $259,900

10403538_2113

ISAAC PHILLIPS Sales Representative

www.isaacphillips.com TOP 1% IN CANADA FOR ROYAL LEPAGE 18 YEARS

Independently Owned and Operated

List with us and your property is shown on 20 plus websites

P NE R W IC E

STONE & BRICK BUNGALOW! $254,500 Follow the long tree lined driveway to this stone and brick ranch in a quiet setting surrounded by trees and farmland. Features include vinyl replacement windows, kitchen walkout to deck & patio, large windows throughout, oversize garage, recent bathroom upgrades, laminate flooring, 2013 shingles. Jarvis! Call Isaac Phillips. 2113_KIMRI_0001

A VERY SPECIAL HOME! $239,900 Huge 3 season sunroom, oak kitchen, replacement windows, built in bookcase in living room w/FP, recent decor, many upgrades, mature landscape, close to Riverfront Park. Dunnville! Call Isaac Phillips. 2113_KIMRI_0002

NEAR GRAND RIVER PARK! $169,900 Top floor end unit overlooking courtyard, upgraded oak kitchen. 1.5 baths, open concept living room-kitchen-dining area, large balcony facing south, unit includes covered parking space. Dunnville. Call Isaac Phillips. 2113_KIMRI_0003

1.33 ACRES IN TOWN! $159,900 Two storey home offers 2 kitchens, 2 baths, hardwood & laminate floors, 2 driveways, 2 garages plus outbuilding for hobby or storage. Located in town adjacent to new housing development. Dunnville. Call Isaac Phillips. 2113_KIMRI_0004

NEW HOME! $299,900 Raised ranch 3 bedroom by “Silverthorne Homes”, just completed, open concept main floor, maple cabinets, covered deck overlooks backyard, oversize 2 car garage. Many custom features, high bright basement, quiet court location surrounded by trees, north of Dunnville. Price includes HST - Rebate to builder. Call Isaac Phillips. 2113_KIMRI_0005

$379,900 Designer decor throughout this 4+1 bedroom, 3 bath custom home! Gleaming hardwood floors, oak kitchen with large eating area, patio door walk out to tiered deck in fenced back yard, pool, outstanding entertainment area in lower level complete with bar & games area, ceramics, glass showers, and so much more. No disappointments here! 2113_KIMRI_0006 Quiet court lot in Dunnville. Call Isaac Phillips.

RANCH OVERLOOKING LAKE ERIE! $349,900 “Cowan” built open concept, vaulted ceilings, plank flooring, custom kitchen, steel roof, long veranda overlooking the lake, part ownership of private waterfront park & beach, Dunnville. Call Isaac Phillips. 2113_KIMRI_0007

LAKEFRONT! $295,000 On Lake Erie at end of quiet street offers 90 feet frontage, winterized 3+1 bedrooms, hardwood floors, large living room with loft overlook, recent boat ramp, 2006 concrete breakwall, and many other updates! Dunnville. Call Isaac Phillips. 2113_KIMRI_0008

LARGE MATURE LOT! $229,900 Same caring owner since 1968, great neighbourhood, unique layout includes main floor bedroom and bathroom, upgrades include replacement vinyl windows, recent med efficient furnace, white kitchen cabinets, upgraded main bathroom. Dunnville. Call Isaac Phillips. 2113_KIMRI_0009

OPEN CONCEPT! $249,900 Silverthorne built, quiet court, close to community park/ centre, oak kitchen has patio door walkout to backyard deck, gas fireplace, lower level bath with ceramics & granite. Dunnville. Call Isaac Phillips. 2113_KIMRI_0010

PANORAMIC WATERFRONT VISTAS $212,500 Near Featherstone Point. One floor, 3 bedroom, big back yard and sprawling decks, breakwall, boathouse (fully renovated 2012) open concept LR/DR with sliding doors to deck overlooking lake. Call Isaac Phillips. 2113_KIMRI_0011

CHARACTER & CHARM! $156,500 Large home on large mature lot, main floor family room, eat in kitchen, 2007 furnace, 2009 veranda and much more. Dunnville. Call Isaac Phillips.

P NE R W IC E

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2113_KIMRI_0012

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

2010-2012

2011-2012

THE O’REILLY TEAM PAM O’REILLY DAVE O’REILLY LUKE O’REILLY

1122 Wilson St. W. Ancaster, Ontario L9G 3K9

Sales Representatives

www.theoreillyteam.com 905.525.3737 9249706_2113

SOUTHWEST CHARMER

$479,900

Wow! Long list of reno’s/ improvements in this lovely 3 bedroom, 1.5 bath home located within walking distance to Innovation Park, trails, Locke St. and more. Recent updates include furnace/ductwork, kitchen with island and granite counters and now open to dining room, main bath, 2 piece powder room, walkin pantry/laundry, flooring, driveway and more! 2113_KIMRI_0039

SOUTH CENTRAL BURLINGTON

Beautiful Branthaven home on quiet cul de sac of executive homes just minutes to the highway. 4 bedrooms, 2.5 baths. Loaded with upgrades: hardwood, rod iron spindle staircase, granite counters/island/pantry/ tumbled marble backsplash in kitchen, all brick & stone exterior, professionally landscaped lot, interlock drive, 450 sq. ft. cedar deck in fenced yard. Immaculate & move in ready! 2113_KIMRI_1_0001

$699,900

ATTENTION FIRST TIME BUYERS

$209,900

ESCAPE TO LAKE ERIE

COUNTRY ESTATE

CUSTOM BUILT BEAUTY

Escape to this truly spectacular and one-of-a-kind property in an enclave of executive homes just minutes outside of Cayuga. Nestled on a mature, treed lot of 2.45 acres, this stunning home will take your breath away. Open concept home with windows and skylights at every turn to enjoy all nature has to offer. Incredible inground salt water pool. Triple car detached garage. Endless list of features.

Stunning 3 bedroom, 2.5 bath bungaloft with 2770 sq ft of living space (plus unspoiled basement) on 1.66 acres in West Lincoln just 30 minutes to Stoney Creek mountain. Loaded with upgrades including Alder cabinetry, quartz countertops, 9 ft and 17 ft vaulted ceilings, crown mouldings, pot lighting, rich dark stained flooring throughout, glass showers, undermount sinks, gas fireplace, HRV air purification, 200 amp electrical, UV water purification and more! The list goes on and on.

2113_KIMRI_0040

$899,900

ANCASTER EXECUTIVE

HAMILTON’S DESIRABLE SOUTHWEST

Custom built 4+1 bedroom home on mature treed lot with private backyard oasis. Spend your summer relaxing in the heated, salt water pool with surrounding rod iron fence. Located in a fabulous area just minutes to the 403 and all other amenities. Inside offers over 3,600 square feet plus finished basement. Plenty of room for your family here! Tons of upgrades and improvements. 2113_KIMRI_2_0002

$569,900

2113_KIMRI_0041

$589,000

$699,900

Luxurious Victorian home professionally designed and renovated and nestled just under the escarpment. Character carefully maintained while still providing all of today’s modern amenities. Gorgeous open concept kitchen with stainless appliances & marble counters, new hardwood floors, extensive trim work, main floor laundry, stunning ensuite in master and a long list of reno’s. 2113_KIMRI_1_0003

Stunning & stucco custom built beauty just one block from the downtown core. This professionally decorated home is absolutely loaded - will not disappoint! 9’ ceilings, open concept, 3 beds all with ensuites, gourmet kitchen, gorgeous hardwood, full in-law or “nanny” quarters with separate entrance, mature lot with fenced yard, wrap around deck at rear, detached garage/coach house with storage loft & double drive. Over 3,000 square feet plus the finished basement. All the “I wants” one could dream of. 2113_KIMRI_1_0025

$799,900

DREAM HOME IN ANCASTER

Escape the city to your very own private retreat at Lake Erie. Welcome to 3 Turner Drive, a sharp 3 bedroom, fully winterized bungalow in prestine condition. This home has alot of warmth and charm and must be seen to fully appreciate it. This home has been updated over the years; including windows (vinyl clad), maple kitchen, cabinetry/counter tops, 4 piece bath, flooring, front/ rear decks, rear fence, rear shed, furnace, water heater, propane fireplace, paved driveway, electrial panel and more. Taxes in 2012 were only $1472.74. Just a short walk to a private beach. 2113_KIMRI_1_0066

1.877.648.4451

THE DUNDAS HOME EVERYONE STOPS TO STARE AT!

Great 2 bedroom, 1 1/2 bath starter home in convenient central mountain location close to all amenities. Many updates over the years including doors, some windows, basement waterproofing, lower level rec room/games room/2 piece bath, kitchen, some flooring and more! Parking for several cars at rear. Large 44’ x 133’ lot. Rear deck. 2113_KIMRI_1_0078

Broker

$169,900

This gorgeous 2+2 bedroom, 3 bathroom bungalow has over 3400 square feet of finished living space and sits on a mature 80x225 foot lot. Upgrades include a gourmet kitchen with granite countertops, wire brushed hardwood flooring, marble tiling, wainscotting, oversized baseboards, crown mouldings, vaulted/coffered ceilings, 100+ pot lights. Fully finished lower level & so much more. The attention to detail is outstanding! 2113_KIMRI_1_5000

$799,900

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

Hamilton/Halton/ Haldimand/ Brantford

#500-401 The West Mall Etobicoke, ON M9C 5J5 t. 416.784.5060 toll-free 1.877.269.8257 f. 416.789.9705 viCe-PresideNt, wall2wall Media

Jacqueline Hill

editor-iN-Chief, NatioNal real estate

Susan Legge editor

Elisa Krovblit, Lydia McNutt (on leave)

Coverage area:

CoNtributiNg editors

Hamilton Burlington Brantford Dunnville Jarvis Ancaster Puslinch Oakville

Grimsby Hagersville Delhi Dundas Stoney Creek Paris Simcoe Cayuga

Waterdown Milton Caledonia Port Dover Flamborough & surrounding areas

Sara Duck, Wayne Karl seNior sales MaNager

Larry Gregoris

Media CoNsultaNt

Kim Richards

sales CoordiNator

Jennifer Mardini, Nobia Bhatti (on leave) NatioNal aCCouNt MaNager, Mediative

Paul Slizys

ProduCtioN MaNager

Bala Gnanapandithan graPhiC desigNers

Dhaval Naik, Mike Terentiev ProduCtioN CoordiNators

HALTON

WATERDOWN

Deenisha Doodnath Lindsey Maindonald

OAKVILLE

terMs Advertisers and Resale Home & Condo

Guide are not responsible for typographical errors, mistakes or misprints.

BURLINGTON BRANTFORD

HAMILTON

GRIMSBY

HALDIMAND-NORFOLK

Next advertisiNg deadliNe

thursday May 30th 2013 issue date: June

8th, 2013 â€“ 2-WEEK ISSUE

Payment in full must accompany the insertion order by cheque or money order only. Insertion by phone: we accept Visa and Mastercard. Please check your ad for accuracy the first issue it appears. If you find an error, report it immediately. Resale Home & Condo Guide will not be responsible for more than one incorrect insertion. Published by

Copyright 2013 Copyright covers the contents of this publication and prevents reproduction in whole or in part: offenders will be prosecuted. We reserve the right to refuse any advertising, to make changes or edit advertising as necessary. Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher. Views/data expressed by columnists do not necessarily represent those of the publication. Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

For advertising information, contact Kim richards

phone: 905.383.8118 | toll-free 1.800.268.0077 cell: 905.730.5658 | fax: 905.383.4667 kim.richards@wall2wallmedia.com

Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

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5/23/13 4:51:24 PM

Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

M ay 25 - June 8, 2013

InsIde thIs Issue

04.

Editor’s NotE

14.

Quick tips

Top tips for first-time homebuyers 20.

Quick tips

Three questions to answer before you buy a home 22.

ArouNd thE housE

Why most renovations start in the kitchen and what homeowners might be missing 25.

FiNANcEs

First time home buyers, speedier down payments 27.

iN thE NEws

Majority of Ontarian homeowners don’t think about insurance before they renovate

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5/23/13 4:51:25 PM

Resale Home & Condo Guide - Hamilton & Halton Edition

editor’snote

Volume 13 Issue 10

Finding the

downpaymEnt

etting a down payment together for your home purchase doesn’t have to be a major obstacle when you have the facts straight. Canada Mortgage and Housing Corp. has a comprehensive website, found at cmhc-schl.gc.ca, which can help guide you. Not only will you find an extensive list of how-to’s, including tips and mortgage insurance information in the online step-by-step resource guide, the site also outlines Government of Canada home-ownership incentives. As an example, first-time buyers can still take advantage of the Home Buyers’ Plan to withdraw up to $25,000 from their Registered Retirement Savings Plan (RRSP), taxfree, to add to their down payment and for other purchase-related costs. A spouse or partner can also do this, giving you up to a total of $50,000 toward your home. To avoid tax liability on the withdrawn funds, you will be required to repay the money to your RRSP account within 15 years. If financial stability, pride of ownership, long-term investment and peace of mind sound attractive to you, check out what’s available in the Hamilton real estate market.

Susan Legge Editor-in-chiEf Wall2Wall Media, Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

Where to

Start

uy first? Sell first? I really don’t have the answer. I’ve done both. While I don’t think one is better than the other in general, I do think you need to know what facts are influencing the market and you need to understand what the risks, options and alternatives are. In the extreme, either option is quite frightening: If you sell but can’t buy, you’re homeless. You’ll have to pack it all into storage and rent or move in with family. If you buy but can’t sell you’ll end in financial devestation if you can’t carry both mortgages. In reality, there are a lot of other options and considerations. Selling first is usually better if it’s a buyer’s market – more homes available than buyers and lower-trending prices. Buying first is usually better in a seller’s market – limited housing inventory and quickly rising home prices. You don’t ever want to feel under pressure to make the purchase or sale, it causes you to lose negotiating power, which usually leads to a less beneficial financial transaction. If you have options for where to live or can carry two mortgages, even through bridge financing, you give yourself some leeway, but ideally a smooth transition from one residence to the next is the goal. It can be nerve-wracking, but it’s all negotiable. A combination of a good agent and a strong understanding of the process through research and expert advice – like the articles featured in Resale Home & Condo Guide – will help prepare you for that purchase.

Elisa Krovblit Editor Elisa.Krovblit@wall2wallmedia.com Follow me on Twitter at Twitter.com/ElisaKrovblit

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

Waterfront Community! $549,850

1913_KIMRI_0065

Stunning Stoney Creek home just steps to Lake Ontario, premium lot with 200’ frontage, enjoy the best of everything. Designer gourmet kitchen with granite, master bed with luxury ensuite, main floor den and laundry, huge media loft, oversized double car garage, lot professionally landscaped. Call to view this beauty today!

Perfect Family Home! $389,850

1913_KIMRI_0066

Lovingly maintained home situated in a family friendly neighbourhood! You will be impressed, 4 large bedrooms and 2 full bathrooms, large eat-in kitchen with oak cabinets and Corian countertops, family room with fireplace, rec room with solid oak bar and large screen tv, beautiful stamped concrete driveway and walkways, large fully fenced yard, minutes to Link & Limeridge Mall. This one won’t last!

Character and Charm! $329,850

$329,850 1913_KIMRI_0061

$216,850

This lovely home is located on a ravine lot with lots of nature views! Tastefully painted and decorated it is sure to please. Cove ceilings, French doors, custom kitchen with granite counters. 5+2 bedrooms, 3 bathrooms, self contained in-law apartment in lower level. Immaculate landscaping in front and rear gardens. Situated in good proximity to Redhill and QEW. Ample parking for 6-8 cars. Don’t miss out!

$189,850

$169,850

Ready To Move In!

easT HaMIlTon!

Renovated 2.5 storey in Central Hamilton. New kitchen with appliances, 4 bedrooms, 3 bathrooms, bedroom level laundry and so much more!

Larger than it looks, well maintained 1.5 storey home in East Hamilton, 3 bedrooms, 2 full bathrooms, self contained in-law apartment, fabulous rear yard and deck! 1913_KIMRI_0059

1913_KIMRI_0060

11265155_2113

1913_KIMRI_0071

RenovaTed sTaRTeR HoMe!

Just move in to this 2 bedroom home with new kitchen and appliances, new flooring, remodelled 4 piece bathroom, rear deck and driveway.

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5/23/13 4:51:28 PM

Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

Executive Free Hold Townhomes OPEN HOUSE: Saturday & Sunday 2-4pm

Directions: Take Hwy 6 South to Caledonia and turn east on Haddington

One Storey - 1400 sq. ft.

Two Storey - 1850 sq. ft.

$325,900

$329,900

• Double Garage w/man Door to 150 ft. Deep Lot • Garage Door Opener • Quality Kitchens • 9 ft. Ceilings • Central Air • Bedroom Level Laundry • Paved Driveways • Sodded Lots

11274728_2113

No Condo Fees • Walking Distance to all Amenities Escarpment Realty To View Call: Barb Rendall, Sales Representative Brokerage Ron Taylor, Sales Representative 905-575-5478 Independently Owned & Operated

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SALES REPRESENTATIVE

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FINLEGAL GROUP Where Finance and Law Meet

Serving the Areas of Hamilton - Burlington, Halton, Greater Toronto Area, Niagara & Golden Triangle

289.755.0322 k.crea@finlegalgroup.com

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Great for first time buyers, retirees, lovely bungalow. Very spacious inside. Wonderful location. Walk to shopping, theatre, walking trails & waterfront. Two good size bedrms, open concept LR/DR pass thru to updated white kitchen, which looks out to pretty yard. High bsmnt provides lots of extra space, possible bedrm/office. Front parking. $217,900. 196 Ray St. N. MLS # H3109630. 2113_KIMRI_0042

2113_KIMRI_0043

2113_KIMRI_0044

11273603_2113

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

THINK SOLD... THINK MARGARET & WALDI NIBURSKI WE MAKE DREAMS AFFORDABLE B.SC. SALES REPRESENTATIVE

NIBURSKI

M.SC. SALES REPRESENTATIVE

9489143_2113

MARGARET (MALGORZATA)

NIBURSKI WALDI (WALDEMAR)

YOUR LISTING ADVERTISED ON

40+ WEBSITES Sutton Group Innovative Realty Inc., Brokerage

905- 575-7070

www.hamiltonhomes-for-sale.com

*Independently Owned & Operated

GREAT STARTER IN A PERFECT LOCATION

ATTENTION INVESTORS!! HAMILTON’S ST. CLAIR AREA

$439,900

$139,900

• Near Gage Avenue. • 3 bedrooms • Brick exterior • Spacious rooms • Great convenient location • Plenty of parking at the back www.hamiltonhomes-for-sale.com 2113_KIMRI_3_0035

• Outstanding investment with great income! • Plenty of recent updates • 5 apartments and presently used as a triplex! • Garage and front drive parking For income statement please call Waldi and Margaret www.hamiltonhomes-for-sale.com

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LUXURY HOME IN STONEY CREEK WITH THE VIEW OF THE LAKE

mniburski@sutton.com wniburski@sutton.com

OVER 2 ACRES LOT!! FLAMBOROUGH/DUNDAS

$399,900

$484,900

• Outstanding 3 bedroom, 3.5 bath, 2 storey home • All levels finished to the perfection! • Plenty of upgrades (hardwood floors, crown mouldings, buil-ins) fantastic location with lake view! www.hamiltonhomes-for-sale.com

• 3 bedroom bungalow on a beautiful lot! • Spencer Creek at the back • Some recent updates windows roof, 200 amp service etc. • Huge double car garage www.hamiltonhomes-for-sale.com

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Ever wonder how the Hamilton Real Estate Market is doing?

Our web site www.hamiltonhomes-for-sale.com for the answer and Margaret’s newest and up-to-date real estate market activity reports for Hamilton, Ancaster, Stoney Creek and all the sourrounding areas!!!

listed

your guide to the hottest real estate in hamilton halton and niagara Sunday Mornings at 9:30

D L O S SLODLD SLOD O S 11254740_2113

visit us online at facebook.com/listedtv LISTED tv Ad.indd 1

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05/04/2012 4:34:41 PM

5/23/13 4:51:32 PM

Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition 9255435_2113

905-388-5133 FAX: 905-388-7583

For All Your Real Estate Needs

Residential Commercial Investment 1286 Upper James St., Hamilton, L9C 3B4

Estate Living at its Best!

Custom built stone house with 5000 SF of beautiful finished area. Quality built using all the finest materials. Imported limestone, granite, slate and cherrywoods. All hand crafted & custom made trim and cabinets. 8 person slate steam sauna and gorgeous inground pool with cabana. Surround sound on all 3 levels, 7 speaker concert sound at pool area. Asking $1,590,000. 2113_KIMRI_0015 2113_KIMRI_0016

Please call KEN GIES, Broker, or DAN GIES, Broker of Record, 905.388.5133

West Mountain Backsplit!

Waterfront Trails! Beautiful 3 bedroom bungalow on Lake side of street. Featuring large kitchen, loads of kitchen cupboards, living room with ornamental fireplace, laminate and ceramic tile flooring, jacuzzi tub and high basement. Sun decks and gorgeous view of the Lake. Easy Highway access.

Conveniently located this 4 level backsplit is situated on a 42 ft x 110 ft lot. 3+1 bedrooms, 2 baths, L-shaped Living room and Dining room. Eat in kitchen with ceramic floors and a large recreation room. Updated furnace and new windows. Priced at $239,900. 2113_KIMRI_0017

Please call DAN GIES, Broker of Record, or KEN GIES, Broker , 905.388.5133

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Please call LINDA WELSH Sales Representative, 905.388.5133

Brick Starter Home!

Hamilton East!

2 Bedroom brick with large eat-in kitchen, separate dining room. Finished recreation room. Updated windows, roof shingles (2007), hi-eff furnace and air (2011). 5 appliances included. Priced at $199,900.

3 Bedroom brick with eat-in kitchen, hardwood floors, separate dining room and main floor den. Basement has walkout to rear yard. 100 amp electrical. Same owner for 30 years. Priced at $145,000. 2113_KIMRI_0019

Please call KEN GIES, Broker or DAN GIES, Broker of Record, 905.388.5133

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Please call KEN GIES, Broker or DAN GIES, Broker of Record, 905.388.5133

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

9189912_2113

FRANK RADMAN

Sales Representative

ESCARPMENT REALTY INC. Brokerage

(905)

Independently Owned & Operated

SERVICE THAT MOVES YOU

545-1188 Email: frankradman@rmxemail.com

“CALL FRANK TODAY - THE FIRST STEP IN MAKING THE RIGHT HOUSE YOUR HOME!”

FEATURE PROPERTY OF THE MONTH DR GO OO RG M EO M US OD 4 EL HO M E

NEAR WINONA PARK/ MANY UPGRADES

Beautiful 4 bedroom model home in the Winona district. Just steps from Winona Park. This gorgeous home boasts a host of upgrades and features. A must see!! Relax in your stunning backyard on your large 16’x46’ cement patio with a covered patio roof & wired in speakers. Stunning interior with many upgrades. Relax inside in your large family room with gas fireplace or in your massive 16’ x 17.6’ master bedroom with ensuite.

ER ST CA AN Y

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EA H ST AM M ILT OU O NT N AI N

5+ 1 3 BE BA D TH RM RM & S

EXQUISITE THROUGHOUT WITH PROFESSIONALLY FINISHED BASEMENT

Astonishing upgraded home w/great layout. Premium high end finishes, newer kitchen w/quartz countertops. Large rear yard w/ patio & pergola. More updates incl; roof, interlock driveway & walkways, new garage door, fresh modern decor, light fixtures, marble & hardwood flrs & ss appliances. Move in & enjoy!

! D OL

ATTENTION JURAVINSKI HOSPITAL EMPLOYEES!

Start your day with coffee in your nice and bright sunroom and walk to work to nearby Concession Street. End your day with a cool cocktail on your big covered deck in your large private backyard. Offset your living expenses by sharing your home with a family member or co-worker by offering them the separate in-law suite on the lower level (separate entrance). Upgrades include: renovations done throughout including newly installed in-law suite, new ceramics, kitchens, bathrooms, basement, mostly thermopane windows, refinished hardwood floors, laundry room, 100 amp, potlights, new sod, 4 car parking, separate entrances, new fridge and stove. Not a drive-by, must be seen inside! To view or put in your offer, call Frank Radman. 1913_KIMRI_1_0010

4 3. BE 5 D BA RM TH S RM & S

TO VER JUR Y AV SHO INS RT KI WA HO LK SP ITA L

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SE IN-L PA AW RA S TE UIT EN E W TR IT AN H CE

3+ 3. 1 B 5 ED BA R TH M RM &

S POTENTIAL INLAW SUITE & DETACHED GARAGE

Updated family friendly 2 storey home. Prime location close to schools & amenities. Offers sep. dining, family & living rms, eat-in kitchen & bsmnt level rec rm. Side door entrance for pass lower level in law unit or home office. Detached 11x22 shop/garage w/hydro. Updates incl new windows, roof shingles (2012), n. gas furnace (2010). New carpeting (2012) & more. Plenty of space for the growing family! 1913_KIMRI_1_0063

GORGEOUS UPGRADED BEAUTY WITH FINISHED BASEMENT

Grimsby grandeur! Gorgeous “Losani” built home with modern open concept along w/ 3+1 bedrms, 3.5 bathrms & fin bsmnt. Highlights incl. custom kitchen, SS appl, huge m bedrm w/ w/i closet & chic ensuite. California shutters on main flr, prof decor and premium “after build” flooring throughout. A great home! 1913_KIMRI_1_0060

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

Moulton West Lincoln Dunn Ancaster Caistor Fl a m b orou gh

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Canborough

Dundas Rainham

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8477700_2113

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

Westdale 905.522.3300 Ancaster 905.648.6800 Locke St. 905.529.3300 UPDATED WITH CHARACTER

WEST HAMILTON MOUNTAIN 00

9 4,

, 50

0 5,

ROCKWOOD BEAUTY

Old world charm meets modern upgrades just off LOCKE Street. Immaculately updated 3 bdrm, 2 bath home located close to MAC Innovation Park, the 403 & all amenities. Home boasts gorgeous bamboo hardwood through out, huge eat in kitchen w/granite countertops & stainless steel appliances. Fantastic home in a fantastic location! 2113_KIMRI_0033

Immaculate 3+1 brick bungalow with several added details; cement drive, inground 16' x 32' pool, pond and fully landscaped fenced yard, sep wired 22' x 16' single garage, hardwd on main level, ceramic & laminate in fully fin bsmt, stain glass in eat in kitchen, upgraded interior lead glass doors, cove mouldings throughout. 2113_KIMRI_0034

Enjoy your very own park-like setting with this custom built brick bungalow, located on a fully landscaped lot, backing onto a ravine! Much bigger than it appears, attention to detail is evident throughout! Three walk-outs from the main floor invite guests out to the expansive deck on the main level, overlooking the park-like setting in the back. 2113_KIMRI_0035

Call Steve Roblin* at 905.522.3300 or email roblin@judymarsales.com

Call Janice Rocchi* at 905.648.6800 or email rocchi@judymarsales.com

GREAT HAMILTON MOUNTAIN LOCATION

MOVE IN CONDITION

EAST HAMILTON 00

,0 49

, 34

Beautifully maintained 2 storey Georgian home. Large principal rooms + den, library & family rm on main level. 4 bedrms, 3.5 baths (all updated). Secluded majestic backyard w/ pool on very private lot. Great size "cook's" kitchen. Great home for entertaining and large family. Move-in Ready!

Walk to Eastgate Square, parks and public transit. No carpeting. Refinished hardwood and ceramic floors. Updated windows. Spacious rear yard. Possible in-law suite. Must be seen!

Call Yolanda Czyzewski-Bragues* at 905.648.6800 or email yolanda@judymarsales.com

Call Larry Bomford* at 905.529.3300 or email bomford@judymarsales.com

2113_KIMRI_0036

Desirable Mountain location. Oversized private park-like setting lot. Home features hdwd in bdrms. Living room w/ fireplace (gas insert ready). Furnace and Central Air 2011. Roof 2006. Property also offers a totally serviced 12 x 22 foot 60 amp hobbyist's garage. Solid wonderful home. Close to all amenities, bus routes & school.

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Call Yolanda Czyzewski-Bragues* at 905.648.6800 or email yolanda@judymarsales.com

* Denotes Sales Representative **Denotes Broker

9189934_2113

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Resale Home & Condo Guide - Hamilton & Halton Edition

Ro b M c D o w e l l Broker, BA/SRES

Volume 13 Issue 10

Seniors Specialist Designation

905- 3 8 8 - 1 1 1 0 w w w . 1 1 1 0. c a

Paul McDowell MOUNTAIN COMMERCIAL OPPORTUNITY

DRIVE BY 2 OLDOAKES PL

Thank You Again!

8547409_2113

Sales Representative

To all our friends & clients for putting their trust in us!

1 and #3 in sales for April #

How difficult is it to find an affordable commercial property on the mountain? Just listed. $199,900. Retail or Office use with apartmentt at rear. 3 car parking. CALL PAUL OR ROB. MLS #H3106603

at our Mountain Office!

2113_KIMRI_0026

Rob & Paul McDowell

Almost 4000 sqft on double wide 1135 ft lot in Ancaster. Full walkout. All hardwood floors. New salt water pool. Needs TLC. Only $595,000. CALL PAUL OR ROB. MLS H3107702 2113_KIMRI_0027

LIMERIDGE MALL LOCATION

DRIVE BY 197 SWEETS CORNER RD

NEW LISTING - BEAUTY CONDO

Finished on all 4 levels. 2 baths, 2 kitchens. In-law or teenager retreat potential. New roof, appliances. Double deep garage for boat/trailer or workshop. Needs TLC. New price $254,900. CALL ROB or PAUL. MLS H3107985

Reduced $20,000. Amazing raised ranch. New open-concept design. New kitchen with island & appliances, new hardwood floors on entire first floor, modern lower level with Recreation Room, 2 bedrooms & full bath. Perfect teenager retreat or future in-law set up. Shingles, windows, trim, pumps & more - all replace. 400 sqft workshop for the handyman. Less than a kilometer from the lake. CALL ROB. MLS H 3108156 2113_KIMRI_0029

Completely renovated! Super clean, apartment-style! 2 Bedrooms, in-suite laundry, heated floors, breakfast bar. Central air & more! Close to Mountain Brow, hospitals & shopping. $179,500! CALL PAUL! MLS H3108707

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

HOMELIFE RESULTS REALTY INC. Brokerage

905-318-3800

Results Realty Inc. Brokerage Independently Owned & Operated Realtor®

Solid brick bungalow in great West Mountain location just steps from Mohawk College, shopping, transit and the new St. Joes! Great investment property with 3 bedroom upstairs, 2 separate 1 bedrooms unit downstairs, 2 full kitchens (appliances included), 2 full baths, separate side entrance for lower level units. Updated electrical (100 amp), furnace (2007), central air, roof and windows (2006). Basement redone with 2 units but can be converted back to a 3 bedroom lower level with common room...DANIEL MAZZETTI* 905-318-3800 2113_KIMRI_1_0030

$509,000

2 storey all brick 4+1 bedroom, 2.5 bath home. Large 15x20 deck above garage. Open concept kitchen/ dinette/family room. Professionally landscaped backyard with fishpond, waterfall/rock garden. New roof 2011 with lifetime warranty.....HELENA WERNER* 905-318-3800 2113_KIMRI_1_0038

2113_KIMRI_1_0029

200 CHARTWELL CIRCLE- HAMILTON

LOT 7....To be built by Scarlett Homes, Kingston II model. Approx 2557 sq. ft., 4 bedrooms, 2.5 baths, main floor family room with gas fireplace, maple kitchen cabinets, granite countertops, crown moulding, pots/ pan drawer, hardwood floors in separate dining room & upper hall, master bedroom with walk in closet, ensuite, much more..... MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM. 2113_KIMRI_2_0031

$419,900

$389,900

LOT 24...New home by Scarlett Homes, new site on Hamilton Mountain, the Snowflake model approx 2257 sq. ft., 4 bedrooms, 2.5 baths, main floor family room with gas fireplace, separate formal living and dining rooms, hadwood floors, granite countertop in kitchen with crown moulding, undermount sink, pantry, master bedroom with walk in closet & ensuite, bedroom level laundry, many more upgrades, closing date Oct/Nov 2012....BOZENA RADENKOVIC* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 2113_KIMRI_1_0007

28 CHARTWELL CIRCLE - HAMILTON

167 CHAMBERS DRIVE - ANCASTER

Nicely loaded with all the right upgrades. Includes: Granite counter in kitchen/powder, raised maple cabinets, undermount sink, upgrade faucet, undermount lighting, crown moulding, dinette cabinetry, INVENTORY HOME SALE family room w/built-in maple wall unit, gas fpl, hwd floors in dining, family and upper hall, coffered ceiling, decorative columns. Oak stairs w/wrought iron spindles, master ensuite w/dble sink, shower w/half glass walls and seat. 19 interior potlights, 5 exterior, 2 shower lights, 2 wall sconces, iron and glass insert for front doors, central air, 3 piece RI bath for bsmt... CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./ MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM 2113_KIMRI_1_0059

$559,900

$749,900

6 yrs new classic Landmart built over 3000 sq ft, 10 ft main flr ceilings lvl, recently fully finished bsmnt w/ kitchen/bed/full bath, no carpet, huge maple kit cabs, granite c/tops, porcelain b/splash, California shutters, close to meadowlands, schools, parks, hwy, new shed, deck in backyard, all new appliances. Shows 10+...MAZHAR ROSHAN* 905-318-3800

$649,900

20 TAYWOOD COURT - DUNDAS

24 CHARTWELL CIRCLE - HAMILTON

LOT 6...To be built by Scarlett Homes, new site on Hamilton Mountain, the Belair model approx 2646 sq. ft., 4 bedrooms, 2.5 baths, 9 ft. main floor ceilings, kitchen with flat maple cabinets, granite countertops with stainless steel undermount sink, pantry, pots & pans drawer, crown moulding, breakfast bar, oak staircase, hardwood in separate dining room & upper hall, main floor family room with fireplace, 4 interior/4 exterior potlights, much more....MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 2113_KIMRI_1_0009

$452,700

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119 CLOVERLEAF DRIVE - ANCASTER

$284,900

50 WEST 4TH STREET - HAMILTON

Very spacious huge 4 level backsplit suitable for a large family. New kitchen, new roof, updated windows, bathroom and electrical panel. All levels finished. Driveway holds 5-6 cars. Close to QEW, Shopping, Parks, Schools and all amenities. RSA...MAZHAR ROSHAN* 905-318-3800

$219,900

27 JEROME CRESCENT - HAMILTON

Ultimate luxury rare find beauty that you have been waiting for. This stunning Scarlett 4 bedroom home has been loaded with upgrades. Features include: Main floor with 10’ ceilings, main floor family room with custom wall unit and fireplace mantle, show stopping gourmet kitchen with island and granite counters. Also beautiful hardwood, many potlights, master with spa like ensuite and much much more.....A must see....RSA....DONNA RAKAS* 905-318-3800 2113_KIMRI_1_0039

www.scarletthomes.com

151 CHAMBERS DRIVE - ANCASTER

LOT 9...New home by Scarlett Homes, new site on Hamilton Mountain, The Kingston model to be built, the Redwood model features 2,630 sq. ft. plus double car garage. Kitchen with peninsula, granite counter and maple cabinets, built- in pantry, corner angled upper cabinet, a bank of pots and pan drawers and crown moulding. Separate w/2 decorative columns, a coffered ceiling and hardwood floors. There is a window opening toward the family room w/gas fireplace with oak mantle, 9 ft. ceilings on main floor, oak staircase, hardwood floors in dining room and upper hallway, 4 exterior pot lights, 4 interior pot lights, dinette walk-out with terrace doors much more.... CHARENE LOTTRIDGE* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./ MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM 2113_KIMRI_1_0015

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2113_KIMRI_1_0011

693 CEDAR AVENUE - BURLINGTON

$549,900

Model home available soon! New design has everything on the “Wants” list. Granite counter in kitchen, raised maple cabinets, undermount sink, upgrade faucet, undermount lighting, crown moulding, dinette cabinetry, family room w/built-in maple wall unit, gas fpl., hwd floors, coffered ceiling, dining rm w/hdwd.... CHARENE LOTTRIDE* 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM.

$1,415,000

171 CHAMBERS DRIVE - ANCASTER

$420,900

36 CHARTWELL CIRCLE - HAMILTON

LOT 11...To be built by Scarlett Homes, new site on Hamilton Mountain, the Aurora model approx 2660 sq.ft., 4 bedrooms, 2.5 baths, main floor family room with fireplace, main floor laundry room, separate dining room, master bedroom with walk-in closet and ensuite, eat-in kitchen, hardwood floors, much more....MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MONTHURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM

$422,900

44 CHARTWELL CIRCLE - HAMILTON

Inventory sale quick closing. Price includes granite counter in kitchen, raised maple cabinets, undermount sink, upgrade faucet, undermount lighting, crown moulding, dinette cabinetry, family room w/built-in maple wall unit, gas fpl, hwd floors, coffered ceiling, dining rm w/hdw, main floor laundry, oak stairs...CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6 PM/ CLOSED FRIDAYS/SAT-SUN 1-5PM.

$549,900

183 CHAMBERS DRIVE - ANCASTER

Beautiful Georgian style home in a quiet, highly sought after aldershot neighbourhood! Some upgrades include; Hardwood floors in Living/Dining/den/upper hall, maple staircase with wrought iron spindles, 18” tile in kitchen, upgraded cabinets with granite coutner tops... Kohler fixtures throughout, GE cafe fridge, stove, dishwasher, heated bathroom floors, 200 amp service, lighting fixtures. Door/hardware, built in sound system as well as security with cameras and monitoring equipment. This quality built home leaves little to desire and exudes charm and character with its classic trim, molding and colour package as well as landscaping and detached finished garage. RSA.....BORIS KRESINA* 905-318-3800

2113_KIMRI_2_0035

2113_KIMRI_1_0031

2113_KIMRI_0014

**Broker of Record *Sales Representative

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14 quicktips

Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 10

Top tips for first-time homebuyers

ore than ever before, first-time homebuyers are considering housing affordability. “We want consumers to be comfortable with the financial responsibilities of owning a home, so it’s important to determine what you can afford in order to maintain a reasonable lifestyle once you’ve made the leap,” says Phil Soper, president of Royal LePage Canada. To assess if you are ready for homeownership, Soper offers this guideline:

A reAl estAte Agent will hAve knowledge of AccurAte, reAltime mArket dAtA to leverAge your negotiAting position, As well As Access to properties often even before they Are listed.

1. Determine your net worth. Take your assets (earnings, investments, savings, vehicles and other items you own) and subtract your liabilities (car loans, lines of credit, overdrafts and credit cards). A positive number is a good sign that you may be ready to purchase your first home. 2. Hire a real estate agent. Top agents have extensive experience and demonstrate dedication and commitment to helping their clients. Ask your family and friends for a referral, or explore real estate websites (such as www.royallepage.ca) to read profiles on agents, including their areas of expertise and languages spoken. A real estate agent will have knowledge of accurate, real-time market data to leverage your negotiating position, as well as access to properties often even before they are listed. 3. Make a list of your basic needs. Is it important to you to be close to transit and amenities? Do you intend to grow your family or do you have a need for extra space? Determine the factors essential to you in a home and which ones you may be able to live without. This will help you narrow your search and choose a home that is within your financial means. www.newscanada.com. NC

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

“Discover the Difference” www.gabrielriverso.com

WEST OF ANCASTER!!!

$569,000. Rare find property, beautiful 5 acres of country rolling lands, with large pond, pine forest walking trails. California ranch with plenty of natural light. 2+2 bedrooms, 2-4 pc. bath w/hot tubs. Large porch and a huge deck 55’ balcony/deck. Walk-out for the lower level! Double garage and workshop, full basement under garage. Call Gabriel Riverso at 905-545-1188, Toll free 1-800-563-6257, Virtual Tour and Property Showcase at www.74PowerlineRoad.com

WALK TO EASTGATE SQUARE!!!

Gabriel

$349,000. A “LOSANI” Built Home!!! Well kept, all brick 3+1 bedroom, a great style of home, with curved staircase. It offers ensuite bath in master bedroom. Many upgrades. Large pieshaped lot. Beautiful Florida sunroom. Totally finished lower level. Main floor family room. Easy access to highway. Call Gabriel Riverso at 905-545-1188, toll free 1-800-567-6257, Virtual Tour and Property Showcase at www.87JanetCourt.com

Riverso Broker

905-545-1188 STONEY CREEK!!!

$324,900 Well kept all brick raised bungalow, choice Stoney Creek location close to most conveniences. It offers 3+1 bedroom, kitchen & dining room, good size living room. Finished rec room with open fireplace, ideal for entertainment. Main floor offers hardwood floors throughout and ceramic in kitchen, dining room & bathrooms. Many updates in the last few years. Call Gabriel Riverso at 905-545-1188, toll free 1-800-567-6257, Virtual Tour and Property Showcase at www.18RoseCrescent.com

STEP TO EASTGATE SQUARE!!!

Escarpment Realty Inc., Brokerage Independently Owned & Operated

$294,900 All brick, one floor raised, 3 bedroom home close to most conveniences. Hardwood floors throughout on main floor, ceramic in entrance, kitchen and baths. Windows replaced approx. 12 years. Roof approx. 7 years. Finished rec room with gas fireplace. 2nd kitchen in lower level and 3 piece bath. Call Gabriel Riverso at 905-545-1188, toll free 1-800-567-6257, Virtual Tour and Property Showcase at www.146KenoraAvenue.com

11268797_2113

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Resale Home & Condo Guide - Hamilton & Halton Edition

Peter

Escarpment Realty Inc., Brokerage

VA N D E N D O O L

Independently owned and operated

Sales Representative

2011

Volume 13 Issue 10

2003-2010

2010

(905) 575-5478

“Inducted in 2005”

E-mail: peterv@remaxescarpment.com

221A - 550 Fennell Ave. E. Hamilton, ON L8V 4S9

Website: www.vandendool.com

CUSTOM BUILT, TRIPLE GARAGE $529,900 Gorgeous custom built home in Caledonia’s newest sub-division. Loaded with extras including gorgeous kitchen, granite counters, hardwood flooring, crown moulding, 9’ ceilings, stone facade, lavish ensuite and twin walk-in closets in the master as well as a triple insulated garage to name a few. Must be seen.

NEW LISTING NELLES CORNERS $299,900 This spacious 1 1/2 storey country home offers an awesome 3 car garage & loads of parking for additional vehicles. Bright open concept living offered by the huge living room & kitchen areas. Lower level is professionally finished and offers 2 additional bedrooms. Easy access to Hamilton, Simcoe and the US.

JUST LISTED JARVIS $189,900 Terrific 1 floor commercial building on busy main street in Jarvis. Offers onsite parking for 6 cars and additional street parking. Approximately 1,400 sq. ft.

SPACE IN CALEDONIA’S NEWEST PLAZA Prime commercial space in Caledonia’s newest plaza. Offers 1870 sq. ft. of space and ample parking. A perfect location for a professional office or retail outlet.

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ALMOST NEW HAGERSVILLE $309,900 Oversized version of the stunning 4 level back-split built new in 2010, Features a custom built wall to wall entertainment unit, triple car garage, ensuite bath, upper level laundry, 3 very large bedrooms, fenced yard, paved drive and C/A. Like new, you won’t believe the space, must be seen.

STUNNING 2 YEAR NEW HOME $409,900 Stunning Summit Park home. Loaded with upgrades including gorgeous Maple kitchen with granite counters, center island and backsplash. Additional features include hardwood, ceramics, oak stairs, wrought iron railings, luxurious ensuite features a corner whirlpool tub, separate shower and the list goes on.

COUNTRY LIVING $279,900 This is country living at its optimum. Located on a gorgeous 1.8 acre treed and rolling lot set well back from the road, offering scenic views and privacy. Features a large 3 bdrm, 2 bthrm home with an attached garage as well as a detached double car garage plus a drive. Just 15 mins to 403, Brantford.

SIMILAR TO BE BUILT, PORT DOVER $378,990 To be built 2892 sq. ft plan features 17’ ceilings in family room & dinette w/tall windows & hardwood. Gourmet kitchen offers a breakfast bar, granite counters, under cabinet lighting & triple pantries. The master bedroom has a walk-in closet & a gorgeous ensuite with a huge walk-in shower & corner soaker tub. This home offers amazing value on a large pieshaped court lot.

TO BE BUILT PORT DOVER $303,990 One of the best lots available. Located on a quiet street beside a pond. Features a 1,458 sq. ft. open concept bungalow with a luxurious ensuite, hardwood flooring, C/A, maple kitchen, gorgeous fireplace, main floor laundry, coffered ceilings and double car garage. Come and view the model at 83 Kolbe Dr.

NEW LISTING EAST HAMILTON $289,900 Spotless 4+2 bedroom home in desirable east end neighbourhood. Features gleaming hardwood flooring, natural wood trim, oak stairs, 2 full bathrooms, full height basement, cold room, beautiful covered front porch and a detached brick double garage. All on a generous size corner lot.

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Call Peter today for more information on any of these listings...*

*Not intended to solicit properties currently listed for sale.

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

Peter

Escarpment Realty Inc., Brokerage

VA N D E N D O O L Sales Representative

2011

2003-2010

2010

221A - 550 Fennell Ave. E. Hamilton, ON L8V 4S9

(905) 575-5478

“Inducted in 2005”

E-mail: peterv@remaxescarpment.com

Independently owned and operated

Website: www.vandendool.com

INCREDIBLE LAKE FRONT PORT DOVER

Rarely do waterfront homes of this caliber come available to purchase. This home is fully automated by Crestron electronics providing automated lighting, entertainment, security and more. Offering approx 10,000 sq ft of living space features an elevator, indoor lap pool, radiant heat throughout including the walkways, garage and artificial turf. The 1700 sq. ft. garage features a unique door system that opens to 14’ x 17’ high opening. Must be seen. 2113_KIMRI_2_0043

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NEW LISTING CALEDONIA $365,000 Desirable and immaculate brick bungalow featuring large principal rooms and a generous size lot. Lots of great features including oak kitchen, gas f/p, 3 bathrooms, main floor laundry, finished basement, insulated garage, long paved driveway, open concept design, large deck and fenced yard.

EDWARDS CUSTOM HOMES, JARVIS $299,900 Be the 1st to own this exciting new design. This 1 1/2 storey 3 bedroom home features a main floor master bedroom ensuite, walk-in closet, pantry, main floor laundry and a dramatic great room with soaring ceilings. All this finished to Edwards Custom Homes high standards. Call today for the floor plans.

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IMMEDIATE POSSESSION PORT DOVER $279,990 Beautifully designed home features 1458 sq. ft. of modern open concept living. Loaded with extras, includes maple kitchen with island and pendant lighting, under cabinet lighting, glass tile backsplash & pot drawers. The great room features tray ceilings, engineered hardwood flooring and a cozy gas fireplace. Lots of extras including C/A, pot lights, wrought iron railings, upgraded under pad, all brick exterior with stone skirt and double car garage. 2113_KIMRI_1_0051

LUXURY TOWNHOUSE PORT DOVER $238,803 This 1269 sq. ft. home features a fantastic floor plan with 2 large bedrooms, cozy gas fireplace, main floor laundry room, upgraded maple kitchen with a lazy Susan, under cabinet lighting, pot drawers and convenient garbage pull out. Must be seen.

END UNIT PORT DOVER $247,468 Stunning end unit quality built by Willik Homes Ltd. Offers over 1200 sq. ft. of modern open concept living on the main floor. Features include hardwood flooring, maple kitchen ensuite bathroom, main floor laundry room, coffered ceiling, cozy gas fireplace and more.

INVESTMENT PROPERTY MOUNT HOPE $499,900 Fantastic investment opportunity. This property offers a well maintained main house with an addition featuring a totally separate in-law apartment. Located in an area of new construction offering 145’ of frontage with potential of severing a 60’ x 217’ lot. Additionally, the owner will stub the sewer line into the potential lot.

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NEW LISTING CALEDONIA $449,900 Stunning century home on over a half acre lot in town. Over 2,800 sq. ft. and featuring 4 bedrooms, 2.5 bathrooms, main floor family room addition, main floor laundry room, huge eat-in kitchen & more. Outside there is a gorgeous 21x41’ pool with a new liner plus for the hobbyist there is a triple car insulated and heated garage. All on over a half acre lot in town.

NEW LISTING HAMILTON $269,900 Totally renovated from the studs out. Improvements include insulation, wiring, plumbing, drywall, windows, kitchen, granite counters, flooring, bathrooms including 1 with a whirlpool tub, totally finished basement, 2 garden sheds, fenced yard & more. Not a flip all renovations were done with long term ownership in mind.

D L O S

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Call Peter today for more information on any of these listings...*

*Not intended to solicit properties currently listed for sale.

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D L O S

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property. Thatâ€™s why we put you right in the middle of the search process.

Search your favorite neighbourhood

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Visit the new real estate section on canpages.ca and start looking for that special place. Powered by

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

Thank You To Our Community

2 WINNING BUILDER AWARDS Presented by

Hamilton-Halton Builders Association

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Specializing in Custom New Homes 0313_KIMRI_1_0029 Visit Our Model Home or View at

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Dennis J. Petis, Broker Leanne Johnny, Sales Representative

905.574.3038

Homelife Macro Realty Inc. Brokerage Independently Owned & Operated

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14 Superb Zeina Designs OR Custom Build from

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Sat. & Sun 1-5pm Mon-Thurs 2-6pm or by appt. *Prices quoted are for Hamilton Area

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20 quicktips

Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 10

Three questions to answer before you buy a home Farhaneh Haque, director of mortgage advice at TD Canada Trust, says that first time home buyers should answer three important questions before they start hitting any open houses this season.

Do I understand the process? It never hurts to meet with a mortgage specialist to learn more about the home buying process and the different mortgage options available, such as fixed versus variable rate mortgages, flexible repayment schedules, and even mortgages that offer cash back. Before falling in love with a home, consider getting pre-approved so you know what you may be able to afford and avoid getting disappointed by falling in love with a home that is outside your price range.

What is my personal debt load? If you have other obligations like a car payment or student loan, ensure you are taking on a mortgage that you can manage within your total budget. Try using an online debt management calculator to help determine how much debt you can reasonably take on based on your income, current debt payments and expenses.

reparing to buy a home requires more than just a down payment. Before you purchase property, take time to understand your available mortgage options and balance your debt load. Thorough planning and smart budgeting now can help you avoid running into high debt or repayment problems down the road.

Can I afford my mortgage and save for the future? Sometimes home buyers take on more debt than they can manage and quickly find themselves “house poor” – with no money left for future savings or a rainy day. Before you take the leap into homeownership, crunch the numbers to ensure your budget reflects the lifestyle you want after you move into your new home, and you are clear on what sacrifices you may need to make to continue to live comfortably and save for your future. For more information about buying a home, visit www.tdcanadatrust.com/homeownership. www.newscanada.com. NC

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

Westdale 905.522.3300 Ancaster 905.648.6800 Locke St. 905.529.3300 UPDATED WITH CHARACTER

WEST HAMILTON MOUNTAIN 00

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, 50

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Call Steve Roblin* at 905.522.3300 or email roblin@judymarsales.com

Call Janice Rocchi* at 905.648.6800 or email rocchi@judymarsales.com

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Walk to Eastgate Square, parks and public transit. No carpeting. Refinished hardwood and ceramic floors. Updated windows. Spacious rear yard. Possible in-law suite. Must be seen!

Call Yolanda Czyzewski-Bragues* at 905.648.6800 or email yolanda@judymarsales.com

Call Larry Bomford* at 905.529.3300 or email bomford@judymarsales.com

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Call Yolanda Czyzewski-Bragues* at 905.648.6800 or email yolanda@judymarsales.com

* Denotes Sales Representative **Denotes Broker

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Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 10

aroundthehouse

Why Most Renovations Start In The Kitchen And

What Homeowners Might Be Missing What Whatsearch searchdata datatells tellsususabout aboutthe theaverage averageCanadian Canadianhomeowner homeowner

ach year, OutRank by Rogers helps small businesses connect with potential customers by securing placement in the results of relevant consumer Google searches. When it comes to general contracting and home renovations, OutRank’s clients appeared in website results for over 2 million of these searches in 2012. So what is the word most often used by Canadians when searching for a contractor online? For over 850,000 searches that word is ‘kitchen’. This single room of the house is the focus of 44% of keywords filtered through the OutRank database. A conversation with contractors helps shed some light on what drives this key search term. “The kitchen is an essential room and people take pride in making sure it’s stunning.” said Nick Rudnicki, contractor and owner of Rude Works. “When you buy a home it’s the place where paperwork is signed. It’s also the reason why so many realtors are great at baking cookies. When most people call or email our company it’s because they feel their kitchen is no longer in style, but I’m from the East

coast and we invented the kitchen party, so I get it.” If the kitchen is the crown jewel of entertaining and the first room that many home buyers notice, it begs the question - what aren’t people searching for that might drive even more value to their homes? For Rudnicki, “There’s a simple rule to keep in mind before setting a budget for your kitchen reno, take a look at the areas of your home that have gone the longest without being renovated. Kitchens are frequently updated and may not be an indicator of the overall health and efficiency of a home.” In B.C, Jim Frost of Frost Homes recommends investigating what you can’t see. “Electrical is a big one,

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

especially in heritage homes. Some older homes still have knob and tube wiring. It’s essential to look at areas like these. They can be a major risk to the lasting value of a home. In fact a lot of insurance companies charge a premium if your home is still wired this way.” Even within the kitchen there is more a homeowner can do. Rudnicki suggests “a quick look for water damage or mold, especially before thinking about a renovation, can help identify big problems before you peel back a floorboard.” For Frost record keeping is essential. “Keep track of jobs that have already been done, especially permitted jobs and who did them”, he advises. “This information can be great to have, especially to share with a contractor before your next renovation.” OutRank recommends searching for renovators who are equipped to handle more than just kitchen renos; remodeling, refacing, remediation, redesign are unique specialties among general contractors. If you are worried about electrical or piping problems in an old house, a search for a General Contractor who is licensed to deal with these systems can make a big difference. These infrequently used search terms can go a long way to telling you how qualified your contractor is to handle problems that might be invisible when a renovation starts. “Every search matters,” says Carrie Shaw, Director Of Marketing, Outrank by Rogers. “A search can seem small, but the impact can be huge to a homeowner looking to build their dream home. Standing back and looking at the data as a whole gives context to just how big the home renovations market really is. We want to make sure that not only are we helping our contractors find the best jobs for them, but also that homeowners find the information that matters to them most in a sea of search results.” In striving to connect the best contractors with the right job, OutRank’s data analysts have outlined 3 tips to help with your next Google renovation search. ThRee TIpS FoR BRoAdenIng YouR InTeRneT SeARch And AddIng VAlue To YouR hoMe

Know when to search “Licensed” vs. “Unlicensed” Contractors Each province has its own requirements on what a contractor is required to know before becoming a provincially licensed contractor. For example an Ontario licensed contractor requires a speciality as a Master Electrician. Knowing what skills you’re paying for when you search Licensed General Contractor can save you money or save you heartache. Add specificity to your search with the 4 R’s: Remodeling, Refacing, Remediation, Redesign Each of these R’s means something specific in the home improvement world and can improve your search. Remodeling refers to improving a structure, refacing refers to aesthetic changes (frequently in cabinetry and counters), remediation refers to the removal of pollution or contaminants from the home environment and redesign is normally used in reference to changes in layout and aesthetic. Search for specialists with specific materials Often subcontractors are necessary for a major redesign or remodel. Specifying the key trouble spots or must haves such as flooring, plumbing, or

by preferred material types may help narrow down your search by more than a half million results. A search for “bamboo floors installation Toronto” will yield better results than “hardwood floors” when you know what you want.

ABouT ouTRAnK BY RogeRS

Rogers is a diversified public Canadian communications and media company. We are Canada’s largest provider of wireless voice and data communications services and one of Canada’s leading providers of cable television, high speed internet and telephony services. Through Rogers Media we are engaged in radio and television broadcasting, televised shopping, magazines and trade publications, and sports entertainment. We are publicly traded on the Toronto Stock Exchange (TSX: RCI.A and RCI.B) and on the New York Stock Exchange (NYSE: RCI). For further information about the Rogers group of companies, please visit www. rogers.com

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

25 finances

First time home buyers, speedier down payments

ome ownership is a big dream for many young Canadians, and is likely the single biggest investment most of us will make in our lives. While saving for a down payment can be challenging, Farhaneh Haque, director of mortgage advice at TD Canada Trust, says that young Canadians can save for a down payment a little quicker by following a few simple rules.

Those who have been acTively saving For Their reTiremenT can access up To $25,000 From Their rsps To bump up Their down paymenT when They purchase Their FirsT home.

instead of driving and paying for parking – it can really add up over time.” One of the most effective – yet overlooked – strategies is to put money aside before you can spend it. Haque suggests setting up a regular, preauthorized transfer service that moves a specific amount from each pay cheque into a high interest savings account. Making savings automatic is a simple and effective way to stay disciplined while saving for a down payment. Finally, Haque reminds first time home buyers that they may be able to take advantage of the federal government’s Home Buyers’ Plan. “Those who have been actively saving for their retirement can access up to $25,000 from their RSPs to bump up their down payment when they purchase their first home. The RSP funds must be paid back within 15 years, so it is important to factor this repayment into your monthly budget.” For more advice on saving for a down payment, visit www.tdcanadatrust.com/homeownership. www.newscanada.com. NC

“First, examine your budget and set a savings goal,” says Haque. “Take advantage of online budgeting tools to gain insights into where you spend your money. Also remember that in addition to your down payment you will need to save for the additional costs involved with a home purchase, which include land transfer tax, moving costs and legal fees.” Next, curb your spending and increase your savings. “Even a small adjustment in your spending habits can go a long way toward helping you save a bigger down payment,” says Haque. “For example, consider using transit to get to work

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

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Volume 13 Issue 10

inthenews

Resale Home & Condo Guide - Hamilton & Halton Edition

Majority of Ontarian Homeowners don’t think about insurance before they renovate TD Insurance survey shows Ontario homeowners don’t have all the facts on home renovations

ou have hired a contractor, approved the plans and ordered new appliances - but are you really ‘reno ready’? Research from TD Insurance has found the majority of Ontario homeowners are not considering the insurance implications of their renovations: only 6 per cent checked their policy to ensure they were covered during their latest renovation and just 14 per cent asked their insurer if their policy needed an update following their upgrades. “Whether you’re installing water-efficient plumbing or simply new cabinetry, before you pick up a hammer or drill, it’s important to understand and learn more about the insurance implications of upgrading your home,” says Dave Minor, a vice president at TD Insurance. “For example, while being handy around the home is convenient for upgrades such as painting or installing crown molding, more challenging projects like tackling the electrical work yourself could actually invalidate your insurance policy. Speaking with your insurance provider can be a quick way to help clarify the unknown.”

“Upgrades requiring extensive work, such as adding an extension to your home, may require you to change your entire policy to a building under construction,” says Minor. “And, if you’re not living in your home during renovations, it becomes an easier target for thieves and undetected water damage, which is why your insurer may require you to secure a vacancy permit if you move out for more than a month.”

Dave Minor busts three common home insurance myths and offers advice for handy homeowners to consider before upgrading their abode: Myth #1 “My home will be covered under my original insurance policy during renovations”

Forty-eight percent of Ontario homeowners incorrectly believe they will always be covered by their original home insurance policy while their home is being renovated, and 27 per cent are unaware that moving out for more than 30 days during renovations requires a policy update.

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Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 10

Myth #2 “If my contractor is injured

on my property while working, his insurance will cover it”

Contractors are trained professionals, but accidents can and do happen. However, 38 per cent of homeowners in Ontario incorrectly believe that if a contractor is hurt on their property while working, they will not be liable. “If a contractor or their employees are injured on your property, you could be liable for their medical bills, lost wages, or damages for pain and suffering - all out of your own pocket,” says Minor. “When choosing a builder, ask to see their public liability insurance certificate. The amount of insurance coverage they have would depend on the type of renovation, the number of employees and cost of the renovation. The higher the limits of coverage, the more protection you would have.” Myth #3 “Renovations don’t affect my insurance coverage”

Many Ontario homeowners don’t know which renovations can decrease premiums, but are willing to find savings: 84 per cent said they would be likely to make certain upgrades to their home if they could save money on insurance premiums in the longer term. “Simple renovations like installing security devices, such as alarm systems and deadbolts, or fixing your weathered roof may decrease your premiums,” says Minor. On the other hand, many homeowners in Ontario don’t know the types of renovations that can impact their premiums: 55 per cent don’t know that installing granite countertops or expensive appliances could increase their premiums, and one-in-five are unaware that upgrading your electrical system or replacing a weathered roof could lower your premiums.

Many OnTarIO hOMeOwners DOn’T knOw whIch renOvaTIOns can Decrease preMIuMs, buT are wIllIng TO fInD savIngs: 84 per cenT saID They wOulD be lIkely TO Make cerTaIn upgraDes TO TheIr hOMe If They cOulD save MOney On Insurance preMIuMs In The lOnger TerM. “Remember, anything that may impact the value of your home or probability of a claim will also affect what and how much insurance coverage you need,” says Minor. “Although water proofing your basement may not be as exciting as new stainless steel kitchen appliances, these types of renovations can help protect your home and belongings. It’s always a good idea to talk to your insurance provider to understand more about your coverage.” Looking to learn more about home insurance? Visit the TD Insurance Learning Centre for more information. About the TD Insurance Survey TD Insurance commissioned Environics Research Group to conduct an online custom survey of 2,748 Canadians aged 18 and older, including 654 homeowners in Ontario who have insurance. Responses were collected from February 7 to 18, 2013. About TD Insurance TD Insurance offers a wide range of products to help protect clients from the ‘accidents of life’ including credit protection, auto, home, health, life, and travel insurance. With more than 3 million clients, TD Insurance authorized products and services are available through a network of more than 1,150 TD Canada Trust branches, the Internet and telephone. For more information, visit www.tdinsurance.com

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

29 homebuyersâ€™help

Homebuyersâ€™ ResouRce section You love the home, see what you can afford! Compare mortgage rates for your best deal Calculate your mortgage payments using the mortgage payment calculation chart

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30 homebuyers’help

Resale Home & Condo Guide - Hamilton & Halton Edition

Buying a Home | the first steps arrange for a mortgage select a home inspector select a real estate agent select a lawyer

after Buying: home insurance warranties

key players

selling a Home | the first steps select a lawyer select an agent – contract – negotiate commission assess the market value of your home renovate to increase the value of your home

staging for prospective Buyers: clean (walls, doors, baseboards) store personal items clear clutter front yard – clean, no debris paint if needed kitchen bathroom

aBout tHe property

agent’s name: phone number: email:

property: list price: property taxes/year:

broker’s name: phone number: email:

Neighbourhood closest main intersection:

lawyer’s name: phone number: email:

elementary schools: high schools: hospitals: clinics:

inspector’s name: phone number: email:

shopping (supermarkets/malls):

reno expert’s name (1): phone number: email:

public transportation:

reno expert’s name (2): phone number: email:

distance from work/school: occupancy: heating:

nice to have:

CoNdo amenities:

deal breakers:

Volume 13 Issue 10

banks:

closest highway:

maintenance fees:

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Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

You love the home,

see what You can afford! use this guide to see if You’ll qualifY for a mortgage oN Your dream home 1. Calculate the combined monthly before-tax income between you and your spouse. 2. Divide by three. This figure is the monthly payment you can afford to make on your home. 3. Take the total price of the home and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow. 4. Refer to the chart below. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers choose the 25-year amortization). 5. Multiply this figure by the amount you need to borrow. Divide by 1,000. 6. Add to this your estimated monthly heating costs and monthly property taxes. 7. If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home. Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

CalCulate your mortgage payments monthly pre-tax inCome

spouse’s pre-tax inCome

divide by 3

affordable monthly payments

Chart figure

amount of mortgage divided by 1,000

amortization amount

estimated monthly taxes & heat

monthly payments

total pre-tax inCome

amount of mortgage (priCe – down payment)

mortgage payment calculation cHart %

5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% 9.25% 9.50% 9.75% 10.00% 10.25% 10.50% 10.75% 11.00% 11.25% 11.50% 11.75% 12.00% 12.25% 12.50% 12.75%

10 years

15 years

20 years

10.58 10.70 10.82 10.94 11.07 11.19 11.31 11.43 11.56 11.68 11.81 11.94 12.06 12.19 12.32 12.45 12.58 12.71 12.84 12.97 13.10 13.24 13.37 13.50 13.64 13.77 13.91 14.04 14.18 14.32 14.46 14.59

7.88 8.01 8.14 8.27 8.40 8.53 8.66 8.80 8.93 9.07 9.21 9.34 9.48 9.62 9.76 9.90 10.05 10.19 10.33 10.48 10.63 10.77 10.92 11.06 11.22 11.36 11.52 11.66 11.82 11.97 12.13 12.28

6.57 6.74 6.85 6.98 7.12 7.26 7.41 7.55 7.69 7.84 7.99 8.14 8.28 8.44 8.59 8.74 8.86 9.05 9.20 9.36 9.52 9.68 9.84 10.00 10.16 10.32 10.49 10.65 10.81 10.98 11.15 11.31

25 years

5.82 5.96 6.10 6.25 6.40 6.55 6.70 6.85 7.00 7.16 7.32 7.47 7.63 7.79 7.95 8.12 8.28 8.45 8.62 8.78 8.95 9.12 9.29 9.46 9.63 9.80 9.97 10.15 10.32 10.49 10.67 10.85

30 years

5.34 5.49 5.64 5.79 5.95 6.11 6.26 6.42 6.59 6.75 6.91 7.08 7.25 7.42 7.59 7.76 7.93 8.10 8.28 8.45 8.63 8.80 8.98 9.16 9.34 9.52 9.70 9.88 10.06 10.25 10.43 10.61

Please say you saw it in Resale Home & Condo Guide

RHH_2113.indd 31

5/23/13 4:52:10 PM

Volume 13 Issue 10

Resale Home & Condo Guide - Hamilton & Halton Edition

CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

5 years

ATB Financial

2.6

4 6.30op

3.1 6.30op

3.14 6.50op

3.55

4.39

3.04

Alterna Svgs/Alterna Bk

2.85

4 6.30op

3.05 6.30op

3.09

2.99

3.09

Bank of Montreal

3.1

4 6.30op

3 6.30op

3.04

3.55

4.54

3.09

4.55 6.45op

3.75 6.50op

2.69

3.99

2.99

4.99

4 6.45op

3 6.30op

3.04

3.55

4.54

5.14

6.70op

3 6.35op

3.14

3.55

2.99

5.14

4.45 6.20op

2.7 6.35op

3.95

2.98

4.99

3.49

3.15

3.65

3.64

3.69

3.44

2.79

2.99

3.08

4.4 6.70op

3.09 6.30op

3.14

3.55

4.54

5.14

4.45

3 4.00op

3.05

3.1

3.09

2.79

2.89

2.99

4 6.70op

3.1 6.30op

3.14

3.55

4.54

3.39

3.2

3.24

3.35

3.44

4 6.30op

3 6.30op

3.04

3.55

4.54

5.14

3 6.30op

3.04

3.55

2.99

5.14

3.09

Bank of Nova Scotia Canadian Western Bank CIBC

3.2

HSBC Bank Canada

ICICI Bank Canada

3.05

ING Direct Laurentian Bank Manulife Bank

3 n/a 3

MonCana Bank National Bank

n/a

Presidentâ€™s Choice Finan

3.2

Royal Bank TD Canada Trust

3 3.2

TRUST COMPANIES AGF Trust

n/a

2.99

3.1

3.5

3.64

Community Trust

n/a

6.5

3.1

3.35

3.95

4.64

5.24

Effort Trust

n/a

4.45 6.30op

3.25 6.30op

3.6

3.9

4.5

4.95

Home Trust Company

3.2

3.95

2.74

2.49

2.89

2.99

Investors Group Trust

n/a

4 6.50op

3 6.30op

3.14

3.55

4.54

5.14

4.55 6.45op

3.75 6.50op

2.69

3.99

2.99

4.99

2.99 6.25op

3.25

3.29

3.09

3.49

6.6 8.40op

2.99 9.00op

3.25

3.29

3.19

3.09

3.95

2.74

2.69

2.79

2.99

6.34op

2.99 6.34op

3.14

3.19

3.24

2.97

4 6.50op

3 6.30op

3.14

3.55

4.54

5.14

3.6 7.00op

3.95

4.35

4.89

5.14

3.1 6.30op

3.14

3.7

2.98

3.19 3.4

MTCC OTHER FINANCIAL INSTITUTIONS Airline Financial C.U.

Comtech Credit Union

2.79

First National Fin. LP FirstOntario C.U.

2.79

London Life

n/a

MCAP

2.9

Meridian Credit Union

2.85

4.45

Parama Credit Union

2.9

3.05

3.15

3.25

Steinbach Credit Union

2.4

2.5

2.7

2.8

Teachers Credit Union

2.99 6.50op

3.04

2.79

3.89

3.19

4.45 6.30op

Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE April 22, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

Please say you saw it in Resale Home & Condo Guide

RHH_2113.indd 32

5/23/13 4:52:11 PM

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CM`Q^R^[Z` /[YYaZU`e ! % $!

1913_KIMRI_0065

Stunning Stoney Creek home just steps to Lake Ontario, premium lot with 200’ frontage, enjoy the best of everything. Designer gourmet kitchen with granite, master bed with luxury ensuite, main ﬂoor den and laundry, huge media loft, oversized double car garage, lot professionally landscaped. Call to view this beauty today!

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1913_KIMRI_0066

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$329,850 1913_KIMRI_0061

$216,850

Lovingly maintained home situated in a family friendly neighbourhood! You will be impressed, 4 large bedrooms and 2 full bathrooms, large eat-in kitchen with oak cabinets and Corian countertops, family room with ﬁreplace, rec room with solid oak bar and large screen tv, beautiful stamped concrete driveway and walkways, large fully fenced yard, minutes to Link & Limeridge Mall. This one won’t last!

$189,850

$169,850

READY TO MOVE IN!

EAST HAMILTON!

Renovated 2.5 storey in Central Hamilton. New kitchen with appliances, 4 bedrooms, 3 bathrooms, bedroom level laundry and so much more!

Larger than it looks, well maintained 1.5 storey home in East Hamilton, 3 bedrooms, 2 full bathrooms, self contained in-law apartment, fabulous rear yard and deck! 1913_KIMRI_0059

1913_KIMRI_0060

11265180_2113

1913_KIMRI_0071

RENOVATED STARTER HOME!

Just move in to this 2 bedroom home with new kitchen and appliances, new ﬂooring, remodelled 4 piece bathroom, rear deck and driveway.

2010-2012

2011-2012

THE O’REILLY TEAM 1122 Wilson St. W. Ancaster, Ontario L9G 3K9

PAM O’REILLY DAVE O’REILLY LUKE O’REILLY Sales Representatives

www.theoreillyteam.com 905.525.3737 11271831_2113

SOUTHWEST CHARMER

$479,900

SOUTH CENTRAL BURLINGTON

$699,900

ATTENTION FIRST TIME BUYERS

CUSTOM BUILT BEAUTY

2113_KIMRI_0040

$899,900

ANCASTER EXECUTIVE

$699,900

$569,900

2113_KIMRI_0041

HAMILTON’S DESIRABLE SOUTHWEST

$589,000

THE DUNDAS HOME EVERYONE STOPS TO STARE AT! Stunning & stucco custom built beauty just one block from the downtown core. This professionally decorated home is absolutely loaded - will not disappoint! 9’ ceilings, open concept, 3 beds all with ensuites, gourmet kitchen, gorgeous hardwood, full in-law or “nanny” quarters with separate entrance, mature lot with fenced yard, wrap around deck at rear, detached garage/coach house with storage loft & double drive. Over 3,000 square feet plus the finished basement. All the “I wants” one could dream of.

$209,900

2113_KIMRI_1_0025

ESCAPE TO LAKE ERIE

$799,900

DREAM HOME IN ANCASTER This gorgeous 2+2 bedroom, 3 bathroom bungalow has over 3400 square feet of finished living space and sits on a mature 80x225 foot lot. Upgrades include a gourmet kitchen with granite countertops, wire brushed hardwood flooring, marble tiling, wainscotting, oversized baseboards, crown mouldings, vaulted/coffered ceilings, 100+ pot lights. Fully finished lower level & so much more. The attention to detail is outstanding!

1.877.648.4451

COUNTRY ESTATE

Broker

$169,900

2113_KIMRI_1_5000

$799,900

Donna Lavin Sales Representative

www.facebook.com/afriendinrealestate

â€œLIKEâ€? me on Facebook

DONNA LAVIN 905-628-WORK (9675) Sales Representative DONNA DONNA LAVIN LAVIN Escarpment Realty Inc., Brokerage www.DonnaLavin.com

Andrea Maddox

Independently owned & operated DONNA LAVIN221A-550 www.homesingoldenhorseshoe.com FennellEscarpment Ave. E., Inc., Hamilton, ON L8V 4S9 Escarpment Realty Brokerage Realty Inc., Brokerage

Sales Representative Sales Representative Sales Representative

SALES REPRESENTATIVE

Independently Independently & operated owned & operated Escarpment Realty Inc.,owned Brokerage (905) 628-WORK (9675)

Follow me on (905)www.donnalavin.com 628-WORK (905) 628-WORK (9675) (9675) Escarpment Realty Inc., Brokerage www.homesingoldenhorseshoe.com (905)www.donnalavin.com 628-WORK Independentlywww.donnalavin.com Owned(9675) & Operated www.donnalavin.com 221A-550 Fennell Avenue, Hamilton ON L8V 4S9 www.homesingoldenhorseshoe.com www.homesingoldenhorseshoe.com 221A-550 Fennell 221A-550 Ave. E., Fennell Hamilton, ONE.,L8V Hamilton, 4S9 ON L8V 4S9 Independently owned Ave. & operated 221A-550 Fennell Ave. E., Hamilton, ON L8V 4S9

905-574-4600

11254693_2113

andreamaddox@royallepage.ca

STAGING PROFESSIONAL

www.ReadytoMove.info STONEY CREEK 11 Ridge Road, 1.25 acre property. Residential building formerly operated as a restaurant. Needs work. Zoned rural agricultural.

$329,900 2113_KIMRI_1_0048

$159,500

2009

2004

Inducted in 2004

CA$H BUYERS CA$H HCA BUYERS $H BUYERS BUYERS ,IÂŤ\RXÂŤKDYHÂŤRQH ÂŤFDOOÂŤPHÂŤWRGD\ Looking for Looking homes for inhomes Dundas, inWest Dundas, Hamilton West Hamilton and Flamborough! and Flamborough!

ACCREDITED STAGING PROFESSIONAL ACCREDITED

ACCREDITED STAGING PROFESSIONAL

ACCREDITED BUYER RCCREDITED EPRESENTATIVE A BUYER REPRESENTATIVE

ACCREDITED BUYER REPRESENTATIVE

2009 2004 2012

2009

2004

Inducted 2004in 2004

Inducted in 2004

Looking for homes in Dundas, West Hamilton and Flamborough! NEW LISTING

DUNDAS $559,900 Looking for homes in Dundas, West Hamilton and Flamborough! ,IÂŤ\RXÂŤKDYHÂŤRQH ÂŤFDOOÂŤPHÂŤWRGD\ ,IÂŤ\RXÂŤKDYHÂŤRQH ÂŤFDOOÂŤPHÂŤWRGD\ VERY RARE FIND! ,IÂŤ\RXÂŤKDYHÂŤRQH ÂŤFDOOÂŤPHÂŤWRGD\ Just Listed Downtown Dundas

Downtown Dundas & The Driving Park

Totally restored and beautifully

DowntownDundas Dundas&& The The Driving Park Downtown Dundas Downtown Downtown Dundas Driving & The ParkDriving Just Park JustListed Just Downtown Listed Dundas Downtown Dundas fiListed nished cottage with wide pine

plank floors, open kitchen to dining room, separate living room, family room, 2 BR + den, finished rec rm and laudry + double drive and garage. Excellent private 1.5 Sty 3BR. 1.5 bath brick homelandscaped single gaBright spacious and charming bungarage, double drive, main floor master, Arts & A property with escarpment low offers 3 BRs. 2 baths, bungahardwood 1.5 Sty 3BR. 1.5 bath brick home single ga-views! Bright spacious and charming eat in kitchen, formal dining room with single ga1.5 Crafts Sty 3BR. 1.5 Sty bath3BR. brick 1.5 home bath single brick home double drive, main floor master, Arts & gaBright spacious Bright and spacious and bungacharming bungafloors, cove ceilings, shaker rage, low offers 3 BRs. 2 charming baths,recent hardwood short walk to everything. beamed ceiling, sunfilled family room addition, Crafts eat in kitchen, formal dining room with View this home in Carnegie Garden Tour rage, double drive, rage, double main floor drive, master, main Arts floor &master, Arts & low offerscove 3with low BRs. offers 2 baths, 3 recent BRs. hardwood baths,rm.Â hardwood kitchen granite CT. fin.2shaker Rec. floors, ceilings, hardwood floors, leaded and stained glass.Â room with ND beamed ceiling, sunfilled family room addition, Crafts eat inDonâ€™t kitchen, Crafts eat formal in this kitchen, dining room formalwith dining miss opportunity! , 10-4pm Sunday June 2 kitchen with granite CT. fin. Rec. rm.Â floors, cove floors, ceilings, cove recent ceilings, shaker recent shaker and private property with beautiful perUpdated roof, C/A, ceiling, Boiler, and wiring. hardwood floors, leaded and stained glass.Â beamed ceiling, beamed sunfilled family sunfilled room addition, family room addition,

Great value on the West Mountain! 3 bedroom townhome. Spacious, open concept. Finished family-room in basement. Private yard. Appliances included. Prime location close to Hwy 403, schools, parks, shopping and cycle route. 2113_KIMRI_1_0002 *Not intended to solicit clients currently under contract.

www.homesingoldenhorseshoe.com ACCREDITED BUYER REPRESENTATIVE

ACCREDITED STAGING PROFESSIONAL

and private property withgranite beautiful perkitchen with kitchen granite$with CT. fin. Rec. CT. rm.Â fin. Rec. rm.Â ennial gardens! 419,900.00 Updated roof,floors, C/A, Boiler, and wiring. WOW! $429,900.00 hardwood hardwood leaded floors, and stained leaded glass.Â and stained glass.Â ennial gardens! $ 419,900.00 and private and property private with property beautiful with perbeautiful perWOW! $429,900.00 Updated roof,Updated C/A, Boiler, roof,and C/A, wiring. Boiler, and wiring. ennial gardens! ennial $ the 419,900.00 gardens! $ 419,900.00 â€œServing real estate needs WOW! $429,900.00 WOW! $429,900.00

â€œServing the real estate needs of the community since 1979.â€? of the â€œServing community since â€œServing the realthe estate real1979.â€? needs estate needs of the community of the community since 1979.â€? since 1979.â€?

CALLDONNA DONNALAVIN LAVIN TODAY CALL TODAY TOTO GET THIS SIGN ON YOUR LAWN! GET THIS SIGN ON YOUR LAWN! CALL DONNA CALL DONNA LAVIN LAVIN TODAYTODAY TO TO

GET THIS GET SIGN THIS ON SIGN ON YOUR LAWN! LAWN! SHOW YOUR PROPERTY WHERE ITYOUR WILL SELL IN COLOUR AND THE COVER SHOW YOUR PROPERTY WHERE IT WILL SELL HEREHERE IN COLOUR AND ON THEONCOVER

11247604_2113

* Not intended solicit properties currently listed * Not intended to solicit properties listed for salefor sale SHOW YOURSHOW PROPERTY YOUR WHERE PROPERTY ITtoWILL WHERE SELL ITcurrently HERE WILL IN SELL COLOUR HERE AND IN COLOUR ON THEAND COVER ON THE COVER

* Not intended to * Not solicit intended properties to solicit currently properties listed for currently sale listed for sale

905.662.6039 or 1.877.574.7441 Rick Sharma Broker Reisha Dass Team Mnger/Sales Rep.

Lynn Vienneau Business Associate Top 1% Nationally FOR ROYAL LEPAGE

2006-Present

OPEN HOUSE MAY 26, 2-4 PM... 42 OSLER DRIVE, DUNDAS

Beautifully kept historic home (1827) on lrg lot. Backing on ravine w/great views. Pine plan floors, beamed ceiling, huge screened in verandah overlooking ravine, kitchen & bathrm updated. Cozy family room w/fireplace all bedrms tastefully & uniquely decorated. Meticulously manicured gardens & inground pool. Spotless & stunning perfect for bed & breakfast. Visit www.thesharmateam.ca For full details & to view the virtual tour. $489,999. H3103125 2113_KIMRI_0022

11013969_2113

www.thesharmateam.ca info@ricksharma.com

BURLINGTON

Heritage home â€œThe Parsonageâ€? old world charm & character glaore. High ceilings, double brick & plaster construction. 4 bedrms, 1.5 bathrms. Solid plank hardwd flrs throughout, massive room sizes. Newer: Roof, wiring, gas furnace. Open concept into solarium addition. Inground 16â€™x32â€™ pool. Visit www. thesharmateam.ca For full details & to view the virtual tour. $699,999. H3106118 2113_KIMRI_0023

DUNDAS

A timeless treasure of 1849 vintage, tucked away amidst the natural beauty of Olde Dundas. Magnificent 2 1/2 storey all brick Victorian home built in 1840â€™s era. Over 5000 sq. ft. approx 259 ft frontage on Governorâ€™s Road. Stream runs through the rear of the property. Visit www. thesharmateam.ca For full details & to view the virtual tour. $1,550,000. H3109087 2113_KIMRI_0024

STATE REALTY BROKERAGE INDEPENDENTLY OWNED & OPERATED

GRIMSBY

Dream home. Approx 5500 sq ft of living space. Stunning home with all the upgrades (Thousands of $$$$ spent). Secluded lot w/inground heated pool 5+1 bedrms, 4.5 bathrm. Too much to mention. Visit www. thesharmateam.ca For full details & to view the virtual tour. $1,225,000. H3102922 2113_KIMRI_0025