Hamilton Resale Home & Condo - 06 Jul., 2013 by NextHome

July. 06 - 20, 2013 Volume 13 Issue 13

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Hamilton-Halton-Haldimand-Brantford Edition

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ANCASTER, OFF LOVER'S LANE $999,000. Over 2800 sq ft 4 bedroom bungalow, with an additional 1500 sq ft finished on lower level. Features spacious rooms, l0 ft ceilings, hardwood floors, granite counter tops, and more. Pool sized lot. Rose Lovie, Broker, Coldwell Banker Pinnacle Real Estate, Brokerage 905-522-1110. 2713_KIMRI_0001

Artist's Concept

VILLAGES OF GLANCASTER! Two bedrooms - 2 bathrm condo in popular mature community close to Hwy 403, shopping and golf. This former model unit is immaculate and offers lots of windows, cheery kitchen, a spacious living/dining rm and balcony. Backs onto treed green space. Fabulous clubhouse with indoor pool, library, party room, tennis courts and several indoor and outdoor activities. 600 Silverbirch Blvd. Unit 202 MLS#H3111032 $214,900. Call Valerie Dalgetty-Righton, Sales Representative, Coldwell Banker Pinnacle Real Estate, Brokerage 905-522-1110. 2513_KIMRI_0005

MODELS WITH 3 CAR GARAGES AVAILABLE - Hagersville, 60' wide lots. Models priced from $236,900. Close to hospital, schools, and park. Open Sat & Sun 12-4pm and by appt. Furnished models. www.plouffehomes.ca Donald Plouffe, Broker of Record, Donald Plouffe Ltd. Real Estate Brokerage. 905-632-5940. 2713_KIMRI_0019

DUNNVILLE OPEN HOUSE - SUNDAY JULY 14TH - 2PM 1032 PINE STREET - Only $179,900! 1 storey bungalow, main floor laundry, 100AMP breakers, paved parking for 4, 1.5 garage and irreplacable lot 61 x 256 ft backing onto school yard & Kinsman Park. Nicely landscaped. Includes appliances. Call Marilyn O' Blenis, Sales Representative, RE/MAX ESCARPMENT Realty Inc., Brokerage 905-573-1188 or visit www.MarilynOblenis.com 2713_KIMRI_0071

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1481 LAKESHORE RD, SELKIRK. $229,000

2713_KIMRI_0029

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ICE

13 ACRE HOBBY FARM

3100 HALL ROAD, BINBROOK. $589,000

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 2713_KIMRI_0031

2713_KIMRI_0032

6267 RAINHAM RD, DUNNVILLE. $259,900

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.

40 X 80 RIDING ARENA TR Y

NEW KITCHEN CO

HO 3.8 BB 9 Y F AC AR M

2713_KIMRI_1_0042

2713_KIMRI_0028

2713_KIMRI_1_0052

8191 HIGHWAY 3, DUNNVILLE. $599,000

Serenity now! 58 ac Horse Hobby Farm. Immaculate and updated 3 bedroom, 2 bathroom, one floor ranch. This nature loverâ€™s paradise includes about 40 acres of woods, nature trails, wildlife, about 10 acres pasture with hay planted in sandy loam soil, 28 x 36 horse barn, 14 x 12 tack room, 2 paddocks, 60 x 32 steel clad shop with 12,000 lb car hoist, 60 x 20 coverall, large dog run, bridge and pond. A pleasure to show! Call Darren Papineau to view. MLS H3111619.

Larger than it appears! Lake Erie cottage offers full basement with finished rec room â€˜08 accented with pine, modern kitchen w/stylish cabinets, updated full bathrm â€˜04 w/ceramics. Fantastic panoramic Lake Erie view with ownership of desired sand beach & lawn across the road. Quick possession. Call Darren Papineau to view. MLS# H3112153

4745 RAINHAM ROAD, SELKIRK. $209,900

2713_KIMRI_1_0072

2713_KIMRI_1_0078

2713_KIMRI_1_0173

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

ICE W

R.O.W. TO SAND BEACH

ICE

VICEROY W/NEW WINDOWS

8 BATES LANE, DUNNVILLE. $219,000

195 TOWNLINE ROAD E, CAYUGA. $299,000

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 2713_KIMRI_1_7000

2713_KIMRI_1_0014

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

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

2713_KIMRI_0030

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 wndws, recent shingles, updated electrical and plumbing. Call Darren Papineau to view. MLS H3108162.

10403538_2713

ISAAC PHILLIPS Sales Representative

STATE REALTY BROKERAGE

www.isaacphillips.com

Independently Owned and Operated

905-774-7631 905-774-8144

TOP 1% IN CANADA FOR ROYAL LEPAGE 18 YEARS

Check out our website for the latest on our 45+ listings

Call for your FREE Market Evaluation LI N S EW T IN G

BRICK RANCH! $269,900 Spacious open concept, vaulted pine ceilings, fireplace mantel & surround will be truly one of a kind focal point of this home, 3 bedrm, dramatic oak kitchen with breakfast island, recroom in lower level. Call Isaac Phillips. 2713_KIMRI_0074

CORNER UNIT! $114,999 Sought after 3 bedrm corner unit, balcony faces N/E towards Lake Ontario. Updated white kitchen cabinets, white appliances, close to transportation, shopping & schools. Building offers inground pool & tennis courts, currently rented. Hamilton. Call Isaac Phillips. 2713_KIMRI_0075

PANORAMIC WATERFRONT VISTAS $195,500 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. 2713_KIMRI_0076

START YOUR PERMANENT VACATION! $687,500 Magnificent serene & private 1.24 ac on Lake Erie, captivating vistas & 150 ft of water front. Custom executive 4+1 bdrm home w/ vaulted ceilings, fin bsmt, 2 ensuites, gas fp, loads of updates. Dunnville. Call Isaac Phillips. 2713_KIMRI_0078

1926 CLASSIC HOME! $219,900 In village of Port Maitland, short walk to Lake Erie beach, loaded with character inside & out, huge veranda, high ceilings, hardwood floors, heavy trim, gas FP in LR, upgrades include vinyl clad steel roof, many replacement windows, recent S/F & eaves. Call Isaac Phillips. 2713_KIMRI_0079

SIMILAR TO BE BUILT! $399,900 Open concept ranch style home by quality builder “Silverthorne Homes”, approx. 2,036 sq. ft. main floor, solid maple kitchen cabinets & vanities, covered front veranda, 26 ft covered deck off kitchen, huge insulated garage, quiet country court located near Chippewa Conservation Park, Dunnville. Call Isaac Phillips. 2713_KIMRI_0081

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. 2713_KIMRI_0082

TOP QUALITY! $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! Quiet court lot in Dunnville. Call Isaac Phillips. 2713_KIMRI_0083

NEAR LAKE ERIE! $315,000 Private country lot, short walk to the beach, ride your bike to Freedom Oaks golf club or Port Maitland lighthouse, extra living room w/ big windows & corner FP, tasteful decor, oversize garage, huge driveway, roof shingles in 2012. Dunnville! Call Isaac Phillips. 2713_KIMRI_0084

PARKLIKE 9.6 ACRES! $699,000 Edge of Fonthill along quiet paved road, app. 2,400 sq ft main home over looking ravine & pond, plus approx. 1,200 sq ft guest house, 3 FP, 5 baths, hardwood & ceramic flooring, electronic gate entry, separate lane to large private clearing in the forest, very private with nature trails. Call Isaac Phillips. 2713_KIMRI_0085

GREAT VALUE! $219,000 Upgraded home on almost 1/2 acre, park nearby, open concept kitchen/dining room, terrace doors to oversize deck, new v. windows & exterior doors in 2011/2012, wood burning FP in recroom. Dunnville. Call Isaac Phillips. 2713_KIMRI_0086

P NE R W IC E

LI N S EW T IN G

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

H NE O W M E

1.63 ACRES ON LAKE ERIE! $499,900 Amazing 2002 lakefront custom home, 354’ frontage, walls of glass overlook panoramic lake views, 9 foot ceilings, open concept plan, ceramic tile, solid laminate floors, heavy oak trim, fibreglass windows, oversize double garage. South Cayuga. Call Isaac Phillips. 2713_KIMRI_0077

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Volume 13 Issue 13

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

Broker

1.877.648.4451 9249706_2713

ESCAPE TO THE LAKE

2713_KIMRI_0047

$224,900

ATTENTION FIRST TIME BUYERS

Unobstructed views of Lake Erie! It is fabulous! Well maintained 2 bedroom, 1 bath, 1.5 storey in Featherstone Point. Updates include steel roof, vinyl clad windows, electrical on breakers, insulation, cistern, flooring (carpet & laminate). All furnishings included in sale.

PARK LIKE YARD

2713_KIMRI_1_0029

$319,900

BEAUTY IN CALEDONIA

Great country property between Hargersville & Caledonia with almost new 26’ x 28’ shop that’s heated, has power, concrete floor, 2 auto garage door openers - awesome for the hobbyist. Cute home with upper level loft bedroom & 2 others on main floor, updated kitchen with all appliances included, main floor laundry, decks front & back. 2713_KIMRI_0048

$227,900

2713_KIMRI_1_0030

SOUTHWEST CHARMER

If you are looking for a huge yard for the kids to roam, this is it! 3 bedroom, 3 bath bungalow in Caledonia on a well treed 64’ x 306’ lot. Convenient main floor laundry, main floor family room addition, gleaming refinished hardwood floors, recent carpet in 2 bedrooms, fresh paint, large workshop/man cave at rear under addition has separate entrance, basement walkout.

HAMILTON EAST

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, central air, kitchen with island and granite counters and now open to dining room, main bath, 2 piece powder room, walk-in pantry/laundry, flooring, driveway and more! 2713_KIMRI_1_0039

$468,900

Spacious 3+1 bedroom home in convenient location. Eat-in kitchen, separate dining, main floor bedroom, 1.5 baths, lower level rec room with gas fireplace, long side concrete drive to rear garage and double front drive, some hardwood flooring. 2713_KIMRI_1_0028

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.

$679,900

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!

$749,900

2713_KIMRI_1_5000

CUSTOM BUILT BEAUTY

COUNTRY ESTATE

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. 2713_KIMRI_1_0041

$169,900

DREAM HOME IN ANCASTER

ANCASTER EXECUTIVE

2713_KIMRI_1_0002

$369,900

This home is perfect for the growing family! Built in 2003, this 3 bedroom/2-1/2 bath home (+ main floor den) has a fully finished basement and sits on an oversized irregular shaped lot in a quiet court. Vaulted ceilings, hardwood flooring, pot lights, concrete driveway/ walkways/rear patio, basement bar & so much more!

$569,900

Escape to this truly spectacular and one-of-akind 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. 2713_KIMRI_1_0040

$869,900

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Volume 13 Issue 13

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

Caroline Wassef

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.

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HAMILTON

GRIMSBY

HALDIMAND-NORFOLK

NEXT ADVERTISING DEADLINE

Thursday July 11th 2013 ISSUE DATE: July

20, 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.

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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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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

July 6 – 20, 2013

14 20

22 InsIde thIs Issue

04.

Editor’s NotE

14.

iN thE NEws

MBMO Economics says Canadian home prices are not highly overvalued 20.

hot topics

updating your kitchen 22.

MortgagE MiNutE

The true cost of bad mortgage advice By Peter Kinch 27.

iN thE NEws

TD Canada Trust study: Gen y struggles to save 29.

hoMEbuyErs’ hElp

Homebuyers’ resource section

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4 editor’snote

Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 13

don’t be afraid

BE INFORMED

hen you tell people you’re shopping for a home, you’ll find most everyone will want to share their home-buying experience with you. Some will offer you personal advice and suggestions, while others will frighten you with details about their own disastrous experience or that of a friend of a friend. With so many variables, it can be hard to figure out what’s good advice. It’s always best to get advice from the experts, especially when it comes to purchasing a big-ticket item like a home. No matter what your Uncle Joe says, when you’re equipped with the right expert advice for your situation, you can move forward by making confident purchasing decisions that are right for you and your family. Much of what you’ll want to know about the road to homeownership is right here in this magazine. If you don’t find what you’re looking for, write to us and we’ll help get you an answer from one of our experts. Take us along for the ride and let us know how it turns out. With our website ResaleHomeAndCondoGuide.ca you now have more articles and features than ever to source, so you can be sure your buying experience is a positive one.

Susan Legge EDITOR-IN-CHIEF Wall2Wall Media, Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

y Finding the

RIGHT AGENT

ou are about to pick a real estate agent. How do you decide? Some people are happy to go with the same person they used last time. Others have a family member or friend that’s a Realtor. Commissions are their income, so an agent is definitely interested in helping their client find a buyer or a property. But with the biggest purchase of your life in the balance, you may want to think of choosing an agent more strategically. Some agents are very familiar with specific neighbourhoods. If you drive through an area you’ll repeatedly see the same name and face on lawn ‘For Sale’ signs. They specialize in knowing the nuances of the area – the trends, the streets, the schools, the businesses and the residents. If you’re localizing your search, you may want the agent who knows the area best. If you’re selling, they may know how to market your property to maximize its best potential against local market competition. There are definitely other specializations – some agents focus on suburban properties, some focus on the urban. Some are more familiar with income properties, luxury properties or starter homes, and can help you navigate the nuances that are particular to that situation. Some agents are more about the personal attention, while others are more skilled in negotiations. You may want to do your research and find the agent best suited to your needs.

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

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

REALTORROY.CA A NAME FRIENDS RECOMMEND

Escarpment Realty Inc., Brokerage Independently Owned & Operated

Roy Rodrigues, Broker 11276989_2713

info@realtorroy.ca

905.522.9000

IT’S SUMMER TIME & HOME SALES ARE HOT! BUYING

FEATURE HOMES

SELLING

Enjoy the summer while Roy finds the perfect home for you.

Roy will free your time so you can do more important activities.

Roy will do all the work so you can Relax.

ONLY $199,000

259South BrookDrive.com Surrounded by fields & forest in Binbrook. Only $275,000

282BayGroveLine.com Steps to sandy shores of Lake Erie. $199,000 2713_KIMRI_0041 $769,900

2713_KIMRI_0042

$239,000 or $1900/MONTH

148TollgateDrive.com Beauty & craftsmanship at it’s best in Ancaster. $769,900 2713_KIMRI_0044

Blog on RealtorRoy.ca Serious Investors looking for good properties. Call Roy Today!

73Hillview Street.com McMaster University district. Spacious home for sale or lease. $239,000 or $1900/MONTH

2713_KIMRI_0045

10OasisCourt.com Nothing to do but move in. Pride & Ownership shows! $419,900 2713_KIMRI_0043

288GlennieAvenue.com Ideal property for investors/renovators. Call Roy today! 2713_KIMRI_0046

About Roy On RealtorRoy.ca Senior Real Estate Specialist GREEN Agent Designation Regional Commercial Council Member International Member of National Association of REALTORS

Specializing in Mobile and Web Marketing

S e r v in g H amilto n Halton Haldimand Niagara Please say you saw it in Resale Home & Condo Guide

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

Liz Koster Real Estate Broker Niagara Real Estate Centre Inc., Brokerage

905.774.7511

Toll Free: 1.888.205.7010

Independently Owned & Operated 9189908_2713

lizkoster@royallepage.ca | www.lizkoster.com

DESIRABLE LOCATION!

Helping People on the Move!

COTTAGE LIVING!

$239,900

$88,800

3-bedrm home with 1-1/2 bathrms plus a 2 pc ensuite off the master bedrm! Eat-in kitchen, sep dining room, finished basement with huge recrm! Attached garage & fenced back yard! Dunnville.

3-season cottage with 3 bedrms, 3 pc bathrm, wood character throughout in Selkirk! View of Lake Erie from eat-in kitchen! Near public beach! Get ready to enjoy the summer!

LAKE ERIE LIVING!

COTTAGE LIVING!

2713_KIMRI_1_0083

2713_KIMRI_0072

$243,900

$104,900

One-storey year round home with full finished basement on a double wide lot across the road from Lake Erie with deeded right-of-way to the lake! Wonderful lakeviews! Get ready to enjoy the summer!

3-bedrm, insulated cottage with attractive fieldstone fireplace with insert in living room! Treed backyard with shed! All appliances, furniture, etc. included! In Selkirk.

COTTAGE LIVING!

INEXPENSIVE LIVING!

2713_KIMRI_2_0042

2713_KIMRI_0073

$74,900

3-season, 3-bedrm cottage with 2 pc washrm surrounded by farmer’s fields on a private road near the shores of Lake Erie and Rock Point Provincial Park! Needs work. 2713_KIMRI_1_0082

$54,900

Well maintained yr round home in Sandy Acres Trailer Park east of Dunnville! 20’ x 40’ mobile home with many updates! Shows well! Fireplace in sunroom! Sunrm can be used as second bedrm! Land lease & common charges apply. 2713_KIMRI_2_0039

Call Liz Koster for a FREE Market Evaluation! Thinking about BUYING or SELLING I am here to help! Please say you saw it in Resale Home & Condo Guide

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Volume 13 Issue 13

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_2713

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

$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

LUXURY HOME IN STONEY CREEK WITH THE VIEW OF THE LAKE

$439,900

• 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

mniburski@sutton.com wniburski@sutton.com

EAST HAMILTON NEAR GREENHILL

$197,900

$484,900

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

2113_KIMRI_1_0079

• Beautiful end Unit! • Spacious with Better Homes and Garden Decor! • Tons of updates! • Great location close to schools and all the amenities. •Real GEM! www.hamiltonhomes-for-sale.com

2113_KIMRI_1_0080

2713_KIMRI_0056

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!!!

JOE GENOVESE Sales Representative

905-388-1110

PINNACLE REAL ESTATE BROKERAGE

joe-genovese@coldwellbanker.ca

Each Office is Independently Owned And Opperated 11230292_2713

LOCATION LOCATION! HEART OF MEADOWLANDS

2713_KIMRI_0050

2713_KIMRI_0051

2713_KIMRI_0052

2713_KIMRI_0053

2713_KIMRI_0054

This immaculate 2 storey home is located on a quiet prestigious blvd close to all amenities.The home features 4+1 bedrms, lrg ensuite, w/i closet, dining rm, living rm & oversized family rm. Fully finished bsmt w/galley kitchen and 5th bedrm or office. Neutral colours, California shutters, hardwd floors, newer furnace, A/C, roof, water heater (2011) plus renovated bathrms. Walking distance to Public and Catholic schools. Lot size - 50 ft x 120 ft. A Must See! Call for more information. MLS# H3111424

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition 9255435_2713

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

For All Your Real Estate Needs

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

Beautiful Estate Living! Custom built stone house with 5000 SF of 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. 2713_KIMRI_0008

2713_KIMRI_0009

Please call KEN GIES, Broker, or DAN GIES, Broker of Record, 905.388.5133 Executive Brick Home! Approximately 2600 SF plus 1100 SF walk-out lower level. Featuring: Hardwood, ceramics and new carpeting. Family room with F.P. and beautiful sunroom overlooking treed rear garden. Full in-law suite recently redone with 3 entrances. Great location by Kings Forest. Original Owners! 2713_KIMRI_0012

2713_KIMRI_0013

Please call LINDA GERMAN, Sales Representative, 905.388.5133. Must See Raised Bungalow! Beautiful all brick raised bunglaow on corner lot. Ideal in-law setup with sep side entrance & backyard basement walk-out. Gorgeous landscaping. Featuring: Crown mouldings, granite, hardwood, stamped concrete, open concept kitchen with large island/granite overlooking. Great room and gas fireplace. Main floor mudroom/entrance to garage. 2713_KIMRI_0015

2713_KIMRI_0014

Please call LYNDA GILLESPIE, Sales Representative, 905.388.5133. Priced Reduced!

3 Bedroom Brick!

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 $234,900.

Excellent starter home with eatin 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

2713_KIMRI_0010

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

2713_KIMRI_0011

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

Please say you saw it in Resale Home & Condo Guide

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

FRANK RADMAN

Sales Representative

ESCARPMENT REALTY INC. Brokerage

(905)

Independently Owned & Operated 9189912_2713

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 RG E M OUS OD 4 EL B HO ED M RO E OM

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.

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

! D OL

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

TO VER JUR Y S AV HOR INS T KI WA HO LK SP ITA L

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2713_KIMRI_1_0062

! D OL

SO HA UTH M W ILT ES ON T

1 BU 2 U IL NIT DI NG

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!

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.2713_KIMRI_2_0010

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

S INVESTMENT OPPORTUNITY

Extremely well kept & clean 12 unit building. Located south west Hamilton, walking distance to downtown business district. This building has brick exterior, concrete foundation, 12 parking spots, 10 balconies, terrazzo floors in hallways & stairs. Many recent renovations, upgrades and new appliances. Very low vacancy rate w/excellent tenants & waiting list. An Excellent Investment! Call Frank to view or for more info. 2713_KIMRI_0088

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! 2713_KIMRI_1_0060

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Volume 13 Issue 13

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

HANDYMAN SPECIAL!!!

Gabriel

Riverso Broker

905-545-1188

$169,900. One floor, 2 bedroom home, full basement, choice East Hamilton location. Close to most conveniences, shopping, schools, transportation ideal for the handyman/investor! New furnace and other updates - Great for a start. Call Gabriel Riverso at 905-545-1188, toll free 1-800-567-6257, or visit www.gabrielriverso.com

D!RS!! SOEL LL YOU

LET’S S

$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

WEST MOUNTAIN CONDO!!! $179,900 Well kept 3 bedroom townhome condo. Choice location, close to most conveniences, easy access to Linc, many updates!!! Nothing to do, but move-in!!!

Escarpment Realty Inc., Brokerage

Call Gabriel Riverso at 905-545-1188, toll free 1-800-567-6257, Virtual Tour and Property Showcase at www.25A-1550GarthStreet.com

Independently Owned & Operated

11268797_2713

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

www.thesharmateam.ca info@ricksharma.com

905.662.6039 or 1.877.574.7441 rick sharma broker lynn Vienneau business associate

reisha dass team Mnger/sales rep.

Top 1% Nationally for royal lepage

2006-Present

HAMILTON MOUNTAIN

Wow! Great home. All brick exterior. Rich dark hardwood floors in livingroom & diningroom. 3 spacious bedrooms. Recent upgrades: Complete roof, gas furnace, central air, newer windows, new fence & gate. All appliances included. Walking distance to Malls, buses & easy access to Linc & #403 Hwys. ($259,999). H3112873 2713_KIMRI_0020

HAMILTON EAST

Large home w/ 4 bedrm & many many upgrades: New roof, newer windows, newer floors, newer baths, newer A/C, basement finished w/separate entrance, bedroom, 3 pc bath & 2nd kitchen. 1 1/2 detached heated garage w/hydro, water & huge paved drive - ideal workshop. Mins to Eastgate Mall, Redhill Hwy, buses, schools. 2713_KIMRI_0023 ($229,999). H3108308

STONEY CREEK

Fully finished from top to bottom. Great for entertaining, open concept beauty, grand familyrm with cathedral ceilings & French doors to balcony. Upgraded kitchen with island. Basement with 10 ft + ceilings, large bedrms & custom washr. One-minute walk to the lake. Close to QEW, schools, shopping. ($429,999). H3112311 2713_KIMRI_0026

state realty brokerage independently owned & operated

HAMILTON EAST

In prime area of Rosedale sits this large all brick bungalow w/huge front veranda, side drive w/detached single garage. Hardwood floors on main level. Finished basement w/2nd eat-in kitchen, family room, 4 pc bath. Newer windows, hi-eff gas furnace, A/C, roof & bathrooms. Mins to Red Hill Creek Hwy, Malls & Buses. Great in-law set up. ($294,900). H3112963 2713_KIMRI_0021

HAMILTON EAST

All brick 3 bedrm end unit w/walking distance to Eastgate Mall, schools, buses. Minutes to Redhill & QEW. Open concept w/breath taking interior. No carpets throughout . Newly installed laminate floors. Finished basement w/recrm. Exclusive parking spot. All appliances included. Newer windows, private park for kids. ($133,900). H112442 2713_KIMRI_0024

HAMILTON EAST

Spacious 4 level back split in a sought after area of Hamilton East w/easy access to RedHill Creek & the LInc Hwy. Finished basement w/summer eat-in kitchen, 2 extra bedrooms, family room w/fireplace & separate entrance (great potential for in-law suite/rental). Hardwood & Ceramics all through. Close to schools, shops, bus services. ($299,999). H3111066 2713_KIMRI_0022

STONEY CREEK

Large home w/grand foyer featuring beautiful oak circular staircase. Dream kitchen w/cherrywood cabinets & built in appliances. Ceramics on main flr. 4+1 bedrms, 3.5 bathrooms. Inground heated pool. Circular drive. Basement finished w/walkout (Ideal in-law suite). ($509,999). H3101532

2713_KIMRI_0025

DUNDAS

Beautiful home (built 1827-historic home) on lrg lot, w/great views. Pine plank floors, beamed ceilings, huge screend in veranda overlooking ravine, kitchen & bathrm updated. Cozy family room w/fireplace. All 5 bedrms tastefully & uniquely decorated. Meticulously manicured gardens & in ground pool. Spotless & stunning. ($484,900). H3103125 2713_KIMRI_0027

Jodi woodard sales representative

state realty brokerage independently owned & operated

aJ ghottra sales representative

GRIMSBY

Immaculate, bright & spacious 2 bedrm bungalow. 2 exclusive front parking spots, main flr laundry, walk-out from eat-in kitchen. Great starter/retirement home in a quiet complex. Close to YMCA, Hospital. Minutes to QEW ($224,900). H3113076

Jacqueline Mastrangelo sales representative

1-877-574-7441 or 905-662-6039

2713_KIMRI_0055

Top 1% Nationally for royal lepage 2006-Present

8158867_2713

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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 13

Seniors Specialist Designation

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

Paul McDowell BEAUTY CONDO

Thank You Again!

GREAT LOCATION - EAST MOUNTAIN

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

1 in sales for May

8547409_2713

Sales Representative

Completely renovated building from top to bottom! Low condo fees. Super clean 2 Bedrooms, in-suite laundry, heated floors, central air & more! Close to the Mountain Brow, hospitals & shopping. $174,500! CALL PAUL! 2713_KIMRI_2_0040

MILLION DOLLAR VIEWS!

at our Mountain Office!

Rob & Paul McDowell

Nice 3 bedroom semi-detached end unit. Nice size Living Room with sliding doors leading to private balcony. Great lower level features newly finished rec rm with surround sound, 2 piece bath, laundry & storage. All appliances included. CALL PAUL! 2713_KIMRI_0006

CUSTOM BUILT ENGLISH ARCHITECTURAL DESIGN

UPPER WELLINGTON ST

! D L O S Welcome to the “Madison”. Hamilton’s most luxurious condo building! 2400 sq ft, spacious library, 2 full baths, 400 sq ft private terrace. Only 2 suites per floor providing private elevator entry into each suite. 2 parking spaces, 9 appliances. CALL ROB OR PAUL TODAY! 2713_KIMRI_0007

Wonderful curb appeal located on an attractive 75 x 107 lot in most sought after brow area. Backyard offers an English garden look with pond, gardens & privacy from mature trees & perennials. 3 bedroom plus Library design, 2 updated baths including ensuite. Too many amazing features to mention! CALL ROB! MLS #H3112002 2713_KIMRI_1_0043

Great investment opportunity. One storey building with established restaurant & 1 bedroom apartment with side drive. Great high traffic location. Approximately 1100sqft total (restaurant & apartment) So much potential for investors or small business owner to operate business and live in. $199,900! CALL PAUL OR ROB. 2713_KIMRI_0087

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9189931_2713

Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

HOMELIFE RESULTS REALTY INC. Brokerage

905-318-3800

Results Realty Inc. Brokerage Independently Owned & Operated Realtor®

119 CLOVERLEAF DRIVE - ANCASTER

95 CANDLEWOOD DRIVE-STONEY CREEK

$439,900

$649,900

www.scarletthomes.com

Stoney Creek Mnt, 7 yr old Losani built, approx 2552 sqft. Close to shopping, bus stop, schools, all amenities, walk out unspoiled basement, extra sitting area in master bedroom, gleam6 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 ing hardwood in living/dining & main floor family room, kit cabs, granite c/tops, porcelain b/splash, California shutters. Close to Meadowlands, schools, parks, hwy. New shed, deck in backyard, all new double garage, eat-in kitchen, RSA, much more...MAappliances. Shows 10+....MAZHAR ROSHAN* 905-318-3800 2713_KIMRI_2_0002 2713_KIMRI_1_0012 2713_KIMRI_0002 ZHAR ROSHAN* 905-318-3800

UNIT # 805- 135 JAMES ST SOUTH - HAMILTON

21 RIDGEGATE PLACE - STONEY CREEK

$219,000

$369,900

Great family home with approx 1922 sq ft, 3 large bedrooms, open concept layout is ideal for entertaining, master ensuite, loft and bedroom level laundry room, fully fenced rear yard with deck. Minutes from QEW, Fifty Point Conservation Spacious executive condo in the highly reputable Chateau Royale. Ideal for commuter or busy professionals, this luxury complex is steps to the GO Station, St. Joseph’s Health Centre, entertainment districts and shopping. This well maintained and clean one bedroom unit features 6 appliances, insuite laundry room, area, Daycare and Future Development for Walmart oversized walk in closet, granite tops in kitchen and bath, laminate and ceramic flooring. There is an underground parking space which is owned and a storage and Costco...ASIM BHATTI* 905-318-3800. locker. Amenities include: 24/7 concierge service, fitness facility, professionally landscaped garden, pet-friendly. Currently leased to an excellent tenant (for the last 4 years) until Jun 2014. Easy to view...CHARENE LOTTRIDGE* 905-318-3800 2713_KIMRI_1_0001 2713_KIMRI_0003

2713_KIMRI_1_0010

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 2713_KIMRI_1_0009

$1,379,000

$452,700

693 CEDAR AVENUE - BURLINGTON

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 counter tops. See B listing for more....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 2713_KIMRI_1_0031 2713_KIMRI_0004

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

2713_KIMRI_2_0031

$509,000

20 TAYWOOD COURT - DUNDAS

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

$420,900

36 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.

$419,900

28 CHARTWELL CIRCLE - HAMILTON

2713_KIMRI_1_0015

2713_KIMRI_1_0038

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 TBA....BOZENA RADENKOVIC* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM

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, 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

Located in very desirable West Mountain area across from park, close to all amenities, on bus route, schools. 3+2 bedrooms, 2 baths, separate living and dining rooms, eat-in kitchen, 2nd kitchen in basement w/ 2 bedrooms and bathroom. Garage entry to lower level, much more... MAZHAR ROSHAN* 905-318-3800.

2713_KIMRI_1_0007

$264,900

222 MAGNOLIA DRIVE - HAMILTON

$559,900

167 CHAMBERS DRIVE - ANCASTER

$389,900

200 CHARTWELL CIRCLE - HAMILTON

2713_KIMRI_2_0059

2713_KIMRI_0005

**Broker of Record *Sales Representative

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14 inthenews

Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 13

BMO Economics says

Canadian home prices are not highly overvalued

new report from BMO Economics released recently challenged the notion that Canadian home prices are highly overvalued when compared to the price of renting a home. Recently a report from the Organization for Economic Co-operation and Development (OECD) claimed that Canadian home prices are 64 per cent overvalued. This has fuelled more debate over Canadian house prices, with much attention focusing on ownership versus renting, and whether or not someone in today’s market should opt to rent instead of buy. “We can confidently dispel the notion that Canadian home prices are egregiously overvalued versus rents, but they’re not cheap either,” says Robert Kavcic, senior economist, BMO Capital Markets. “ The report noted that on a national basis, ownership currently looks only moderately expensive versus renting. Using current market mortgage rates — around three per cent for a five-year fixed rate instead of posted rates — leaves valuations almost bang on their long-run norm.

Gap in priCe between buyinG and rentinG Gets smaller in VanCouVer

Kavcic noted that there are regional differences within the numbers: ›› On the west coast, Vancouver valuations have begun to compress from very elevated levels, though ownership still remains expensive versus renting. ›› In Calgary, both housing prices and rent prices are rising, so the gap is stable. Calgary’s market looks pricey, but well below levels seen at the height of the energy boom, and resurgent rent growth has helped offset recent price gains. ›› Toronto appears only slightly overvalued compared to historical norms, but not at all at prevailing three per cent mortgage rates. Notably, the city is miles away from the severe bubble conditions seen in the late 1980s. to rent or buy?

“The decision to rent or buy is a very personal one and is determined by a variety of factors that need to be carefully weighed before taking the next step — whether for the short or long term,” says Laura Parsons, mortgage expert, BMO Bank of Montreal. “A mortgage for some can be seen as a type of savings plan, particularly if they view their home as a financial nest egg for their retirement years, as many Canadians do.” Parsons noted that those who choose renting over owning property should consider working closely with a Mortgage Specialist to build a more aggressive long term saving and investment plan, as they will not be able to rely on the value of a property to bolster their retirement savings down the road.

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

Westdale 905.522.3300 Ancaster 905.648.6800 Locke St. 905.529.3300 AMAZING VIEW!

SIZE DOES MATTER! This 51' x 111' lot on a quiet court overlooking the Dundas escarpment and Valley is close to the conservation area and trails, schools and most amenities! Come see!

5,0

Build your dream home on a 60' x 188' lot in one of the most desirable areas in Dundas. Surrounded by stately homes and park-like setting yet steps from most amenities!

0,0

2713_KIMRI_0033

2713_KIMRI_0034

Call Julie Valevicius* at 905.648.6800 or email Valevicius@judymarsales.com

ALERT FIRST TIME BUYERS

5,9

ANCASTER EXECUTIVE

Well kept updated 3 bdrm 2 bath home in family-friendly east end neighbourhood close to schools, parks and most other amenities. Fenced yard, central vac, hot tub...

Beautifully maintained spacious 4 bedroom home in desirable Ancaster neighbourhood. Ideal location close to schools, parks, walking trails & shopping. New windows, central air, high eff furnace. Inground pool & hot tub in professionally landscaped yard. Perfect for families and entertaining. Don't miss out!

2713_KIMRI_0035

2713_KIMRI_0036

Call Nelson Kolenski* at 905.648.6800 or email Kolenski@judymarsales.com

Call Kim Bertling* at 905.648.6800 or email bertling@judymarsales.com

AMAZING VALUE

0 9,5

Wonderful Opportunity! Perfect first home or for the investor. Move-in ready 2+1 bedrooms, 1.5 baths, eatin kitchen. Recent floors on upper level, updated electrical and plumbing. Close to General Hospital and easy highway access. Not to be missed!

NEW PRICE

,9 09

A short stroll to Mac & Westdale Village, this home is larger than it appears. Featuring oak inlaid & pine plank hardwoods, an ornate gas fireplace, stunning sun-filled solarium, there is more than meets the eye here. Spacious master bedroom with skylights and a 3 pc ensuite, finished basement with 3 pc bath. Don't miss out!

2713_KIMRI_0037

Call Richard MacLean* at 905.522.3300 or email maclean@judymarsales.com

2713_KIMRI_0038

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

LARGE WESTDALE HOME

,9 79

Immaculate home in fabulous location. Featuring: large foyer, gleaming hardwoods, a spacious and bright 3rd floor retreat with 3 pc bath, modern updated kitchen, 1.5 car garage, fully finished basement with separate entrance and in-law potential. Recent: windows, boiler, roof, and wiring. Move-in ready! Shows A+.

0 ,90

SOUGHT-AFTER LOCATION

Updated 2 storey LOCKE Street beauty! This fantastic 3 bdrm, 2 bath home is located close to MAC innovation park, the 403 & all amenities. Home boasts gorgeous bamboo hardwood floors throughout, huge eat-in kitchen w/granite counter tops & stainless steel appliances, updated wiring and more. Fantastic home in an ideal location!

2713_KIMRI_0039

2713_KIMRI_0040

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

* Denotes Sales Representative **Denotes Broker

9189934_2713

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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 Sales Representative

2011

Volume 13 Issue 13

2003-2010

2010

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

(905) 575-5478

“Inducted in 2005”

Website: www.vandendool.com

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E-mail: peterv@remaxescarpment.com

Independently owned and operated

WATERFRONT IN PORT DOVER

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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 1,700 sq. ft. garage features a unique door system that opens to 14’ x 17’ high opening. Must be seen.

CUSTOM BUILT CALEDONIA $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 and recently paved drive to name a few. Must be seen.

Fantastic waterfront property providing navigable access tot he Grand River. Featuring a spotless beautifully maintained custom built 2,400 sq. ft. home with 4 bedrooms, ensuite bath, awesome deck off the master bedroom, above ground pool and wrap around porch. Approximately 15 minutes drive or less to Ancaster, Caledonia or Hamilton.

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

*Not intended to solicit properties currently listed for sale.

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NEW LISTING WATERFRONT $499,900

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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 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

Website: www.vandendool.com

D L SO

D L O S

Independently owned and operated

D L SO

PORT DOVER $279,990

PORT DOVER 2 STOREY

20 X 40 OUTBUILDING CALEDONIA $289,900

Newly designed home features 1,458 sq. ft. of modern open concept living. Loaded with extras include maple kitchen with island & pendant lighting, under cabinet lighting, backsplash & pot drawers. The great room features tray ceilings, engineered hardwood flooring and a cozy gas fireplace. Lots of extras including C/A, garage door opener, pot lights, wrought iron railings, upgraded under pad, all brick exterior with stone skirt and much more. 2713_KIMRI_0060

Stunning 2 storey home custom designed by Willik Homes. Features 4 generous sized bedrooms, ensuite, gorgeous upgraded kitchen with center island and breakfast bar, C/A, generous use of pot lights and much more.

Well presented country ranch features a beautifully updated kitchen, 3 bedrooms, huge recroom in the finished basement, vinyl windows, C/A, huge paved drive with ample parking and a large 20 x 40 outbuilding perfect for the hobbyist. Located just minutes from Caledonia and Hamilton. Must be seen.

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SPACE IN CALEDONIA’S NEWEST PLAZA

NELLES CORNERS $289,900

JARVIS $184,900

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.

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.

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.

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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 13

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

905-689-1551 Over 8,000 Professional, Thorough Inspections Since 1991

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FRI, Broker of Record

905-387-5992

millie.panton@on.aibn.com m. PANTON ReAl esTATe BROKeR, BROKeRAge millie PANTON, fRi BROKeR Of RecORd 14 Windstar Place Hamilton, ON l9c 7H1

“Serving with dedication & integrity since 1970”

JUST LISTED - EAST MoUnTAIn MInT ConDITIon 1.5 STorEY $239,900 Immaculate one owner maintenance free home with main floor familyroom with gas fireplace. 3 bedrooms, large livingroom, eat-in kitchen, recroom, 4 piece & 3 piece baths, deck, all windows replaced, loads of gleaming hardwood floors, aluminum roof, awnings, all appliances, shed & beautiful garden. Desirable East Mountain location near all amenities. Quick possession. MLS #H3113098. Call Millie Panton, FRI, Broker of Record m. Panton Real Estate Broker, 905-387-5992.

A BUSINESS BUILT ON REFERRALS

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moRe lIstIngs needed

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DUNSBY

• Property Inspections •

BROCK DUNSBY R.H.I.

MILLIE PANTON

Call today for a FREE MARKET EVALUATION Interest Rates are great - our Economy strong take the opportunity to downsize or upsize NOW.

Call Millie Panton, FRI, Broker of Record, m. Panton Real Estate Broker, Brokerage | 905-387-5992

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

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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• 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

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

2 WINNING BUILDER AWARDS Presented by

Hamilton-Halton Builders Association

2012 Awards of Distinction r Winne Community of the Year Paradise Meadows - Phase 2

Estate Lots 1.9, 1.6 Acres

DREAM HOMES

2012 Awards of Distinction r Best Custom Home Winne

Over $2,000,000 The Signature Collection - The Enclave

40, 45 & 50 FT. LOTS

LOCATIONS Hamilton, Oakville, Dundas/ Greensville

Phase III

Now HST Open Included

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

www.zeinahomes.ca

Fabulous West Mountain Location Upper Paradise - South of Rymal Rd.

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

$419,900

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

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20 hottopics

Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 13

updating your kitchen 10 tips to a successful renovation

rom improving poor layouts and inadequate lighting, to simply replacing worn-out fixtures or cabinetry, kitchen renovations are among the most popular home-renovation projects and this is the place to invest your money. If you’re thinking about renovating your kitchen, Canada Mortgage and Housing Corp. (CMHC) has 10 questions you may want to ask yourself first to make sure your renovation is a success:

10. How much work and storage space do you need? Is an eating area in the kitchen important to you? What are the traffic patterns like? And does the kitchen meet the requirements of everyone in the household, including anyone with special needs? 09. Are there any existing structural problems in or around the kitchen? Will removing or installing walls or windows require any special attention? 08. Do the existing fixtures and appliances have years of useful life left? Do you like their style and features, and are they energy efficient? Is there adequate general and task lighting? 07. Are your existing cabinets and countertops damaged? Do they meet all your needs? 06. Do any of the finishes or surfaces have moisture damage, visible mould, water stains, blistered or peeled paint? Is any caulking or grout cracked or missing? Has there been condensation on the windows, walls or ceiling? 05. Are there enough electrical outlets and circuits for current and future needs?

04. Is your existing plumbing service and water pressure adequate? Do the drains flow quickly? Are there any leaks or is there evidence of water damage? 03. Is the kitchen comfortable, and is it easy to heat? Do you have an exhaust fan that’s ducted to the outside, which doesn’t lead to back-drafting of an oil or wood stove, furnace or water heater? Is the air fresh, clean and free of lingering musty smells?

02. Do your current finishes need to be replaced because of wear or style? 01. Are any special skills required that should lead you to consider hiring a professional renovator? For a free copy of the About Your House fact sheet on renovating your kitchen, or other fact sheets on virtually every facet of owning, maintaining or renovating your home, visit cmhc.ca.

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

Westdale 905.522.3300 Ancaster 905.648.6800 Locke St. 905.529.3300 AMAZING VIEW!

SIZE DOES MATTER! This 51' x 111' lot on a quiet court overlooking the Dundas escarpment and Valley is close to the conservation area and trails, schools and most amenities! Come see!

5,0

Build your dream home on a 60' x 188' lot in one of the most desirable areas in Dundas. Surrounded by stately homes and park-like setting yet steps from most amenities!

0,0

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Call Julie Valevicius* at 905.648.6800 or email Valevicius@judymarsales.com

ALERT FIRST TIME BUYERS

5,9

ANCASTER EXECUTIVE

Well kept updated 3 bdrm 2 bath home in family-friendly east end neighbourhood close to schools, parks and most other amenities. Fenced yard, central vac, hot tub...

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Call Nelson Kolenski* at 905.648.6800 or email Kolenski@judymarsales.com

Call Kim Bertling* at 905.648.6800 or email bertling@judymarsales.com

AMAZING VALUE

0 9,5

9,9

NEW PRICE

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Call Richard MacLean* at 905.522.3300 or email maclean@judymarsales.com

0 ,90

LARGE WESTDALE HOME

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

0 ,90

SOUGHT-AFTER LOCATION

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

* Denotes Sales Representative **Denotes Broker

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mortgageminute

The true cost of The mortgage true cost ofadvice bad bad mortgage advice BY PETER K INCH

had a conversation with a couple of clients recently that really bothered me. They started by informing me that they had been through a bankruptcy seven years ago but their credit had been squeaky clean since, and now they are ready to try and get back into home ownership.

banKrupTcy or bad debT wIll remaIn on your credIT record for seven years, buT ThIs Is noT To be mIsconsTrued To mean ThaT you wIll noT QualIfy for credIT for seven years.

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At first I winced at the thought they had waited for seven long years before reapplying for a mortgage when they could have easily qualified for one much sooner, but that wasn’t the worst of it. I asked if they had re-established any credit over the past seven years, then braced for the answer: they both looked at each other and then back at me with that all-too-familiar “I’m not quite sure what you mean” look. As I feared, they were told at the time of bankruptcy that they would not be able to qualify for any credit for at least seven years. Now, they might not have actually been told this, but that is certainly the impression they had. Here’s the bad part: I then had to explain to this nice couple that, although it is quite admirable that they had perfect credit for the past seven years, they also had not re-established any credit in that time, and from a lender’s perspective, that is the single most important component of deciding to lend again. In fact, most lenders will want to see that you have re-established two or three “trade-lines” or sources of credit over the past two years, and that you have paid them diligently. This proves to a lender that your bankruptcy was an isolated incident and you now have the ability to manage your debt. So, what did this mean for the couple? After waiting patiently (based on poor advice), and doing absolutely nothing for seven years while waiting to apply for a mortgage, they now have to spend another two years re-establishing credit (such as a Visa, line of credit or car loan) before any prime lenders would look at a mortgage

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application. That’s nine years in total! If they had gotten the right advice from the beginning and established new trade lines – which they could easily have done within a month of being discharged – they would have been able to apply for a mortgage at fully discounted rates five years ago. Too many consumers who have experienced debt issues are not given this simple advice, so here it is in a nutshell: » Bankruptcy or bad debt will remain on your credit record for seven years, but this is not to be misconstrued to mean that you will not qualify for credit for seven years. » From the moment you are discharged, you may apply for credit from a variety of sources that will allow you to reestablish your debt and credit rating. These include: › A pre-paid or secured credit card (put $5,000 in a trust account as security and then get a secured card with a $5,000 balance). › Have a family member or friend act as a co-signor or guarantor to get a secured loan from a lender with you are the primary borrower. › A car loan › An RSP loan

If They had goTTen The rIghT advIce from The begInnIng and esTablIshed new Trade lInes – whIch They could easIly have done wIThIn a monTh of beIng dIscharged – They would have been able To apply for a morTgage aT fully dIscounTed raTes fIve years ago. RHH_2713.indd 23

» Your loans must report to one or both of the credit bureaus (Trans Union, Equifax) and the limits must be at least $2,500. Once you get new sources of credit, use them and pay them off. The purpose of these loans and credit cards is to prove to a future lender that you now have the ability to use credit responsibly. That means that credit lines must be revolving, not static. If you can show that you have re-established your credit, then you may apply for a fully discounted mortgage from virtually any lender and even qualify for high-ratio mortgage insurance through Canada Mortgage and Housing Corp. With the right advice, anyone who has gone through bankruptcy can qualify for a new mortgage within two or three years. The same person, with the wrong advice, may need to wait as long as nine years for the same result. So, what’s the cost of bad advice?

Peter is founder of the Peter Kinch Mortgage Team and the PK-Approved group of Dominion Lending Centres mortgage brokers across Canada, and he is co-owner of Pacific Bridge Mortgage Investment Corp. Feel free to forward any questions directly to Peter at pkinch@peterkinch.com

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

Moulton West Lincoln Dunn Ancaster Caistor Stoney Creek )O ʋ ɺ E ʝUʝX ɳɓ Caledonia Seneca Canborough Hamilton Smithville Dundas Rainham Oneida Glanbrook Cayuga Waterdown Sherbrooke Dunnville Grimsby Burlington Hagersville Moulton West Lincoln Dunn Ancaster Caistor Stoney Creek )Oʋ ɺEʝUʝXɳɓ Caledonia Seneca Canborough Hamilton Smithville Dundas Rainham Oneida Glanbrook Cayuga Waterdown Sherbrooke Dunnville Grimsby Burlington Hagersville Moulton West Lincoln Dunn Ancaster Caistor Stoney Creek )O ʋ ɺ E ʝUʝX ɳ ɓ Caledonia Seneca Canborough Hamilton Smithville Dundas Rainham Oneida Glanbrook Cayuga Waterdown Sherbrooke Dunnville Grimsby Burlington Hagersville Moulton West Lincoln Dunn Ancaster Caistor Stoney Creek )Oʋ ɺEʝUʝXɳɓ Caledonia Seneca Canborough Hamilton Smithville Dundas Rainham Oneida Glanbrook Cayuga Waterdown Sherbrooke Dunnville Grimsby Burlington Hagersville Moulton West Lincoln Dunn

REALTORS ®

Ancaster Caistor Stoney Creek )Oʋ ɺEʝUʝXɳɓ Caledonia Seneca Canborough Hamilton Smithville Dundas Rainham Oneida Glanbrook Cayuga Waterdown Sherbrooke Dunnville Grimsby Burlington Hagersville Moulton West Lincoln Dunn Ancaster Caistor Stoney Creek )Oʋ ɺEʝUʝXɳɓ Caledonia Seneca Canborough Hamilton Smithville www.rahb.ca Dundas Rainham Oneida Glanbrook Cayuga Waterdown Sherbrooke Dunnville Grimsby Burlington Hagersville Moulton West Lincoln Dunn Ancaster Caistor Stoney Creek )Oʋ ɺEʝUʝXɳɓ Caledonia Seneca Canborough Hamilton Smithville Dundas Rainham

Proudly Serving YOUR Community

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

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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.

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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 13

Resale Home & Condo Guide - Hamilton & Halton Edition

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

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

inthenews

TD Canada Trust study: Gen Y struggles to save TD research finDs high cosT of eDucaTion,

lower salaries and high debt load are the biggest barriers to saving for twentysomethings today compared to 40 years ago. According to new research from TD Canada Trust, more than a third of Gen Y (34 per cent) admit they find it almost impossible to save. Young people today face fiscal challenges that older generations did not have to worry about, like

working to pay off high student debts in tandem with managing spending on lower salaries. Still, the principles of budgeting, saving and spending remain true no matter the financial reality, according to Raymond Chun, a senior vice president at TD Canada Trust. Diligence, automation and realistic goals are essential to making saving money a habit.

Gen Y more affected by common obstacles than previous generations The research, which surveyed Boomers and Gen Y’s ability to save in their twenties, found that today’s youth appear to be more affected by the following common obstacles to saving than previous generations:

44% 39%

38%

36%

PaYinG for education costs 44% of Gen Y versus 18% of Boomers

debts froM credit cards, loans and lines of credit 38% of Gen Y versus 26% of Boomers

the teMPtation to shoP beYond their Means 36% of Gen Y versus 16% of Boomers

salaries too low to cover livinG exPenses 39% of Gen Y versus 30% of Boomers

Make a plan for saving and spending Although “the job market is tighter, university costs higher and salary growth lower for young people today,” according to Chun, “With planning and discipline, young Canadians can lay the foundation for a solid financial future by diligently tracking their cash flow and creating a plan for saving and spending.” As a general rule, individuals should

aim to set aside three to six months’ worth of essential expenses in an emergency fund. The most important thing is to start a savings habit early, regardless of how much can be set aside at the beginning. “It is tough for young people to balance all of their financial obligations as they enter adulthood, but this is precisely why it’s important to be committed to saving even just

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Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 13

“SavingS proviDe Some freeDom if a greaT opporTuniTy like a new job overSeaS ComeS up, or aS a finanCial CuShion in The evenT of SomeThing like Temporary job loSS.” a little each week — every dollar counts,” said Chun. “Savings provide some freedom if a great opportunity like a new job overseas comes up, or as a financial cushion in the event of something like temporary job loss.” timeless principles of budgeting and saving:

1 small actions yield big results

Reaching a savings goal is a marathon, not a sprint; be diligent about putting away a little bit with each pay cheque and it will add up. Consider putting away just $25 a week, and over the course of 12 months this will add up to $1,300. Don’t make the mistake of not saving at all just because the goal doesn’t appear achievable right away.

2 Budget to help manage spending

Assess spending habits starting with a list of all essential expenses like food, rent and transportation. Then review each item on the list and assess whether there are any ‘nice to haves’

hiding behind them. For example, food is essential but buying a bagel on the way to work is not. Whatever is left after the essentials, including servicing debt and saving for the future, is for discretionary spending.

3 save and service debt simultaneously

As a rule, the amount of debt people carry should not exceed 40 per cent of their pre-tax monthly income. This means, if a person earns $3,000 a month, monthly mortgage repayments, student loans and other debts should not amount to more than $1,200. Young people with heavy debt loads should concentrate on paying down their highest interest rate debt, such as a credit card, before putting a bigger focus on saving.

4 Make it a habit

One of the most effective ways to save is to put money away before there’s a chance to spend it. For example, set up a pre-authorized transfer of a set amount each week to a high interest savings account. Or, some banks even offer services like the TD Simply Save program, which automatically transfers a small pre-set amount into customers’ savings account with each access card transaction.

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Volume 13 Issue 13

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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Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 13

homebuyers’help

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:

banks:

closest highway:

maintenance fees:

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Volume 13 Issue 13

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

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Volume 13 Issue 13

Resale Home & Condo Guide - Hamilton & Halton Edition

cHartereD Banks

variaBle

6 montHs

1 year

2 years

3 years

4 years

5 years

atb financial

2.5

4 6.30op

3.1 6.30op

3.14 6.50op

3.55

4.39

3.54

alterna svgs/alterna bk

2.85

4 6.30op

3.05 6.30op

3.09

2.99

3.24

3.1

4 6.30op

3.14 6.30op

3.14

3.75

4.54

3.39

4.55 6.45op

3.75 6.50op

2.89

3.99

3.29

4.99

4 6.45op

3.14 6.30op

3.14

3.65

4.54

5.14

6.70op

3.09 6.35op

3.14

3.75

3.19

5.14

4.45 6.20op

2.7 6.35op

3.95

2.98

4.99

3.49

bank of montreal bank of nova scotia Canadian western bank CibC

hsbC bank Canada

iCiCi bank Canada

3.05

3.15

3.65

3.64

3.69

3.44

ing direct

2.75

2.99

3.19

laurentian bank

n/a

4.4 6.70op

3.14 6.30op

3.19

3.65

4.54

5.14

4.45

3 4.00op

3.05

3.1

3.09

3.29

3.35

3.39

3.54

n/a

4.4 6.70op

3.14 6.30op

3.14

3.75

4.54

3.69

3.15

3.29

3.39

3.49

4 6.30op

3.14 6.30op

3.14

3.75

3.29

3.49

manulife bank monCana bank national bank president’s Choice finan

royal bank

td Canada trust

3.09 6.30op

3.14

3.65

3.29

3.69

airline financial C.u.

3.01 6.25op

3.1

3.33

3.65

3.99

2.95

2.95 3.95

2.95

2.75

2.95

3.15

3.1 6.50op

3.09

2.79

2.99

3.04

3.49

luminus financial teachers Credit union

4.45 6.30op

trust companies agf trust

n/a

3.04

3.15

3.6

3.64

Community trust

n/a

6.5

3.14

3.19

3.65

4.54

5.14

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

2.79

2.89

2.94

3.09

3.59

investors group trust

n/a

4 6.50op

3.14 6.30op

3.14

3.75

4.54

5.14

4.55 6.45op

3.75 6.50op

2.89

3.99

3.29

4.99

6.6 8.40op

2.99 9.00op

3.25

3.29

3.19

3.09

3.95

2.79

2.69

3.09

3.24

3.54

6.34op

2.99 6.34op

3.14

3.19

2.99

3.19

4 6.50op

3.14 6.30op

3.14

3.65

4.54

5.14

3.6 7.00op

3.95

4.35

4.89

5.14

3.1 6.30op

3.14

3.55

2.98

3.19

mtCC

otHer financial institutions Comtech Credit union

2.79

first national fin. lp firstontario C.u.

2.6

london life

n/a

mCap

2.7

meridian Credit union

2.85

4.45

parama Credit union

2.9

3.15

3.25

steinbach Credit union

2.5

2.6

2.7

2.8

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 prepared on June 28, 2013 by fiscalagents.com/mortgage/rates

Please say you saw it in Resale Home & Condo Guide

RHH_2713.indd 32

7/4/13 6:24:08 PM

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ResaleHomeAndCondoGuide.ca Published by

2010-2012

2011-2012

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

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Donna Lavin Sales Representative

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905-628-WORK (9675)

www.DonnaLavin.com DONNA DONNA LAVIN LAVIN

Andrea Maddox

DONNA LAVIN Escarpment Escarpment www.homesingoldenhorseshoe.com Realty Inc., Brokerage Realty Inc., Brokerage

Sales Representative Sales Representative Sales Representative

SALES REPRESENTATIVE

Independently owned Independently & operated owned & operated

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905-574-4600

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

Escarpment Realty Inc628-WORK ., Brokerage (905) 628-WORK (905) (9675) (9675)

Independently Owned & Operated (905)www.donnalavin.com 628-WORK (9675) www.donnalavin.com 221A-550 Fennell Avenue, Hamilton ON L8V 4S9 www.donnalavin.com www.homesingoldenhorseshoe.com www.homesingoldenhorseshoe.com *Not intended to solicit properties currently listed for sale

11254693_2513

andreamaddox@royallepage.ca

ACCREDITED STAGING PROFESSIONAL ACCREDITED

ACCREDITED STAGING PROFESSIONAL

ACCREDITED BUYER REPRESENTATIVE

2009

2009 2004 2012

2004

Inducted 2004in 2004

Inducted in 2004

CA$H HCA BUYERS $H BUYERS NEW LISTING BUYERS

Looking Looking inhomes Dundas, West Dundas, Hamilton West Hamilton and Flamborough! and Flamborough! Lookingfor forhomes homesfor Dundas,inWest Hamilton and Flamborough! DUNDAS $539,900

,IÂŤ\RXÂŤKDYHÂŤRQH ÂŤFDOOÂŤPHÂŤWRGD\ ,IÂŤ\RXÂŤKDYHÂŤRQH ÂŤFDOOÂŤPHÂŤWRGD\ ,IÂŤ\RXÂŤKDYHÂŤRQH ÂŤFDOOÂŤPHÂŤWRGD\ VERY RARE FIND!

$131,900 Adorable home in Central Hamilton location. 3 bedrooms, 1.5 baths, parking. Convenient main floor laundry. Spacious living room/dining room with laminate flooring. New carpet in upstairs bedrooms. Appliances and hot tub included. 2713_KIMRI_0058

STONEY CREEK

Totally restored and beautifully finished 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 landscaped 1.5 Sty 3BR. 1.5 bathwith brick escarpment home single ga-views! A Bright spacious and charming bungaproperty 1.5 Sty 3BR. 1.5 main Sty bath3BR. brickmaster, 1.5 home bath single brick home single gadouble drive, floor Arts & gaBright spacious Bright and spacious bungacharmingrage, bungalow offers 3 BRs. 2 charming baths, and hardwood short walk to everything. Crafts in kitchen, formal dining room with rage,eat double drive, rage, double main floor drive, master, main Arts floor &master, Arts & low offerscove 3low BRs. offers 2 baths, 3 recent BRs. hardwood 2shaker baths, hardwood floors, ceilings, beamed ceiling, sunfilledeat family room addition, Crafts eat inDonâ€™t kitchen, Crafts formal in this kitchen, dining room formalwith dining room with miss opportunity! kitchencove with granite CT.recent fin. Rec. rm.Â floors, floors, ceilings, cove ceilings, shaker recenthardwood shaker floors, leaded and stained glass.Â

DowntownDundas Dundas&& The The Driving Park Downtown Dundas Downtown Downtown Dundas Driving & The ParkDriving Just Park JustListed Listed Just Downtown Listed Dundas Downtown Dundas

beamed ceiling, beamed sunfilled ceiling, familysunfilled room addition, family room addition,

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2713_KIMRI_0057

11247604_2713

*Not intended to solicit clients currently under contract.

ACCREDITED BUYER RCCREDITED EPRESENTATIVE A BUYER REPRESENTATIVE

STAGING PROFESSIONAL

www.ReadytoMove.info

www.homesingoldenhorseshoe.com

GET THIS SIGN ON YOUR LAWN! CALL DONNA CALL DONNA LAVIN LAVIN TODAY TODAY TO TO GET THIS GET SIGN THIS ON SIGN YOUR ON LAWN! LAWN! SHOW YOUR PROPERTY WHERE IT WILL SELL HEREYOUR IN COLOUR AND ON THE COVER * Not intended to solicit properties currently listed for sale SHOW YOURSHOW PROPERTY YOUR WHERE PROPERTY IT WILL WHERE SELLITHERE WILLINSELL COLOUR HERE AND IN COLOUR ON THEAND COVER ON THE COVER

11277003_2713

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

isa Tollis REAL ESTATE SALESPERSON

â€œDYNAMO WITH A HEARTâ€? 2007

SRES Seniors Real Estate Specialist

lisatollis@royallepage.ca Seniors Real Estate Specialist

2005

2000 - 2012

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DYNAMO SOLD

HAMILTON MOUNTAIN

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$331,000 2713_KIMRI_0016

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2713_KIMRI_0018

2713_KIMRI_1_0047

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#157 FIRST ROAD WEST - SUMMERTIME! POOLTIME!

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WhyJOYCE?

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