Hamilton Resale Home & Condo - 13 Apr., 2013

Your Best Source for Homes & CondosHamilton-Halton-Haldimand-Brantford Edition

3 CAR GARAGE BUNGALOW - $278,300 - Hagersville, 60' WIDE LOT, 2 full bathrooms. Close to hospital, schools and park. Open Sat & Sun 12-4pm. Other furnished models. www.plouffehomes.ca Donald Plouffe, Broker of Record, Donald Plouffe Ltd. Real Estate Brokerage. 905-632-5940.

11 ALEXANDER BLVD, EMPIRE COUNTRY ESTATES, YORK. $999,999. OPEN HOUSE SATURDAY APRIL 20TH 2 TO 4. Magnificent executive brick & stone bungalow on a 1-1/4 ac ravine lot, walkout basement, custom built by Lucchetta Homes in 2010 with exquisite attention to detail. Features quality craftsmanship throughout with 9' high and 10' tray ceilings, crown mouldings, architectural columns, travertine tile, maple hardwood, custom cherry kitchen with granite counters. Offers apprx. 4100 sqft of finished living space with 5 bedrooms, 3-1/2 bths, great room with gas fireplace, home office, formal dining, home theatre room, exercise room and covered rear deck with views of rolling farmland. Experience a luxurious lifestyle in Empire Country Estates, an exclusive enclave of architecturally controlled custom homes, located about 20 mins south of Hamilton. Unlock the door to exceptional real estate value! Darren Papineau, Sales Representative, Royal LePage Niagara Real Estate, Brokerage 905-774-7511 or visit www.HaldimandHomes.ca

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IDEAL STARTER OR DOWNSIZER ONLY $179,900 - EXCLUSIVE LISTING! In Hamilton East, south of Barton, Large 40x100' fenced lot close to Mahony Park & bus transit. Features 2+1 bedrms, updated bath, 100amp, c/air, thermal windows, p/fin basement. Dining rm addition has patio doors onto deck. Paved dble drive. Incl. 4 appliances & window coverings. Call Marilyn O' Blenis, Sales Representative, RE/MAX ESCARPMENT Realty Inc., Brokerage 905-573-1188. www.MarilynOblenis.com

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LOCATION! LOCATION! DUNDAS $334,900! - Walk to shops, schools, arena. one owner family home, requires updating. Hrdwd flr in living/dining rms, 3 bedrms, newer hi-eff furnace, shingles, breaker panel. Lower lvl family rm w/ reclaimed brick wall/fireplace, large den/bdrm & huge workshop. 5 Woodward Ave. MLS# H3104680. Val Dalgetty Righton, Sales Representative, Coldwell Banker Pinnacle Real Estate, Brokerage 905-522-1110 0713_KIMRI_0050

Apr. 13 - Apr. 27, 2013 Volume 13 Issue 07ON ANY DEVICEVIEW

US ResaleHomeAndCondoGuide.ca

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Call Darren’s SELL phone 905-978-SOLD (7653) for a FREE Home Evaluation!www.HaldimandHomes.ca for virtual tours & custom home plans online!

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Immaculate 3 bedrm country home w/30’x30’ 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, up-dated 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.

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955 CONCESSION 3, FISHERVILLE $369,900

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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

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4745 RAINHAM ROAD, SELKIRK. $214,900

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Stunning 3 bedroom open concept “Viceroy” 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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195 TOWNLINE ROAD E, CAYUGA $319,900

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Gorgeous raised ranch on 13 acres set up for horses includes 5 stall 50’x30’ barn w/hydro and concrete floor w/drain. 40’x20’ heated tack rm (former dog kennel), 30’x24’ 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 genera-tor panel and heated double car garage w/new overhead doors. Located 5 min south of Binbrook. Call Darren Papineau to view. MLS H3106641

NEW LI

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3100 HALL ROAD, BINBROOK $599,000

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Immaculate 3 bdrm, 2.5 stry brick home, over 1/2 AC w/ 36’ x 34’ shop/gar. Completely reno’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, cov’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 H3102097.

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6267 RAINHAM RD, DUNNVILLE. $269,900

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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.

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2 WILCOX DRIVE, PEACOCK POINT $249,900

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Handyman special! Spacious o/concept 2 bedroom winterized home across the road from Lake Erie. Large 60’ x 150’ lot with panoramic views and ownership of waterfront property across. Property being sold “as is”. Crawl space foundation walls need repair. Loads of potential. Quick possession. Call Darren Papineau to view. MLS H3100086.

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1873 LAKESHORE RD, SELKIRK. $149,900

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Spacious, low maintenance 2 bedroom cottage w/ gorgeous unob-structed view across Lake Erie. O/concept living room, dining rm & kitchen, lovely sunroom. Improvements include pine accents, updated bathroom, covered rear deck, shingles 2010, windows 2005, pressure pump & tank, natural gas heating/air conditioning unit (HVAC), insu-lated walls & attic. Boat launch near by. MLS #H3071946.

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1231 LAKESHORE RD, SELKIRK $157,500

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Perfect country starter 1.5 stry 3 bedrm on approx 3/4 ac lot west of Cayuga, approx 30 mins south of Hamilton. Ftrs mnfl master bedrm plus 2 upper level bed-rms, large eat-in kitchen w/ newer cabinets and walkout to huge deck, spacious living, updated 4 pc bathrm (12), mudrm with mnflr lndry, garden shed and loads of parking. Updates include furnace, c/air, mostly new windows, facia, soffit and eaves. Ideal for 1st time buyer. Call Darren Papineau. MLS #H3096555.

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4426 HIGHWAY 3, CAYUGA. $154,90015

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Affordable 2 bdrm country bungalow 1.55 acre “park-like” treed lot close to town. O/concept layout w/2 gas f/places, 100 amp brkers, barrier free 3 pc bthrm w/accessible roll-in shower & heated ceramic tile floor, mn flr lndry, huge det gar/shop w/cone floor & hydro, eat-in oak kitchen, updated windows, patio door and shingles. Beautiful setting with loads of parking. Great starter or for empty nesters. Call Darren Papineau to view. MLS H3103400.

1.55 A

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8169 HIGHWAY 3 W., DUNNVILLE $169,900

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Immaculate 4 bedrm brick bungalow, large country lot, stylish decor, fin bsmt w/bar and games rm plus famrm w/gas stove f/p, lndry/workshop, o/concept kit/din/livrm w/loads of oak cabs & granite cntrs, premium lam floors, updated bathrm fixtures, large bedrms, updated wndws, awesome rear deck w/det garage/workshop & loads of privacy. Shows well! MLS H3089729.

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27 ERIE ST. S., FISHERVILLE $224,900

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Loaded w/yesteryear’s charm! Dble brick century home lov-ingly restored w/3 bedrms & 2 bthrms on a huge 66’x165’ lot offers 22’x24’ garage/workshop w/hydro & nat gas rough-in - great for the hobbyist plus 2 lrg wrap arnd decks, interlock patio w/gazebo, privacy fenced yard w/perennial Victorian garden. Everything old is new again. Simply gorgeous inisde and out! Call Darren Papineau to view. MLS H3103351

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ORKSHOP

25 TALBOT ST. WEST, JARVIS $259,900

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OPEN HOUSE SUN APRIL 14TH 1-2:30

OPEN HOUSE SAT APRIL 13TH 1-2:30

13 ACREHORSE HOBBY FARM

OPEN HOUSE SAT APRIL 13TH 3-4:30

OPEN HOUSE SUN APRIL 14TH 3-4:30

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10403538_1513

STATE REALTY BROKERAGEIndependently Owned and Operated

905-774-7631905-774-8144TOP 1% IN CANADA FOR ROYAL LEPAGE 18 YEARS

www.isaacphillips.com

ISAAC PHILLIPSSales Representative

Check outour website for

the latest on our 45+ listings

Call for your FREE

MarketEvaluation

List with us and your property is

shown on 20 plus websites

$379,900 Designer decor throughout this 4+1 bedroom, 3 bath custom home! Quiet court lot in Dunnville, large fenced yard, pool, hardwood, ceramics, glass showers. Large rooms. Call Isaac Phillips

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TOP QUALITY!

$179,900 Extra wide lot along quiet street, formerly a duplex, currently single family, ideal in-law suite, 2 kitchens, updated laminate fl oors & decor, hardwood on 2nd fl oor, basement walk out to backyard, Dunnville. Call Isaac Phillips

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GREAT VALUE!

$159,900 One fl oor plan, 2 bedrooms, full basement, stunning updated eat in kitchen has ceramic fl oor and patio walk out to rear deck, updated bathroom with Jacuzzi tub and walk in shower, laminate fl ooring, tons of windows, side drive. Backs onto greenspace! Call Isaac Phillips

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NIAGARA FALLS!

$279,900 Horse lovers delight, 3.93 acres, renovated home, large eat in country kitchen with breakfast bar tons of windows, refi nished plank fl oors, 2 baths, 3 bedrooms, covered front veranda, outbuilding, paddocks, surrounded by open fi elds. Call Isaac Phillips 1513_KIMRI_0049

HOBBY FARM!

$379,900 2008 custom one owner “Dehann” built in lakefront subdivision on Lake Erie, includes part ownership of beach & lakefront park area. Open concept main fl oor, 9’ ceiling, hardwood and ceramic fl oors, DR walkout to multi level deck, designer antique white kitchen cabinets w/island, Dunnville. Call Isaac Phillips 1513_KIMRI_0050

LAKEFRONT COMMUNITY!

$369,900 “Cowan” built open concept, vaulted ceilings, plank fl ooring, custom kitchen, steel roof, long veranda over-looking the lake, part ownership of private waterfront park & beach, Dunnville. Call Isaac Phillips 1513_KIMRI_0051

RANCH OVERLOOKING LAKE ERIE!

$212,500 Near Featherstone Point. One fl oor, 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 1513_KIMRI_0052

PANORAMIC WATERFRONT VISTAS

$235,000 Same caring owner since 1968, great neighbourhood, unique layout includes main fl oor bedroom and bathroom, upgrades include replacement vinyl windows, recent med effi cient furnace, white kitchen cabinets, updgraded main bathroom, Dunnville. Call Isaac Phillips 1513_KIMRI_0053

LARGE MATURE LOT!

$295,000 On Lake Erie at end of quiet street offers 90 feet frontage, winterized 3+1 bedrooms, hardwood fl oors, large living room with loft overlook, recent boat ramp, 2006 concrete breakwall, and many other updates! Call Isaac Phillips 1513_KIMRI_0054

LAKEFRONT!

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

CHARACTER & CHARM!

$189,900 Dunnville, preferred neighbourhood, screened side porch plus side deck, vinyl repl windows, oak fl oor & oak cabinetry in kitchen, 3 bedrooms, appliances, single garage. Call Isaac Phillips

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MATURE CORNER LOT!

$299,900 Raised ranch 3 bedroom by “Silverthorne Homes” just completed, open concept main fl oor, maple cabinets, covered deck overlooks back yard, 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 1513_KIMRI_0057

NEW HOME!

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

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

THE O’REILLY TEAM

DREAM HOME IN ANCASTER

This gorgeous 2+2 bedroom, 3 bathroom bungalow has over 3400 square feet of fi nished living space and sits on a mature 80x225 foot lot. Upgrades include a gourmet kitchen with granite countertops, wire brushed hardwood fl ooring, marble tiling, wainscotting, oversized baseboards, crown mouldings, vaulted/coffered ceilings, 100+ pot lights, 2 fi replaces with stone mantles, glass showers, a security system, expansive windows, skylights, and updated roof shingles/furnace/central air/plumbing/electrical. The lower level features 2 spacious bedrooms, a gorgeous 3 piece bath with a vessel sink, 2 separate recreation rooms and laundry facilities. This home offers a solid brick and stone exterior fi nish, 2 separate front entrances, sliding door at rear, a newly paved front drive, and professional landscaping with fl agstone. The attention to detail found in this home is outstanding!

1513_KIMRI_1_0020

$849,900

PRESTIGIOUS LOVERS LANE AREA OF ANCASTER

You will be amazed at this beautifully renovated and updated 4200+ square foot home on mature, treed 75’x158’ lot with inground pool. This stunning home is perfect for your large family. 4 spacious bedrooms, all with walk-in closets. Master with luxurious 5 piece ensuite bath, 2 other bedrooms share an ensuite and one more bathroom for the 4th bedroom. The main fl oor will WOW you! Eat-in kitchen with solid maple cabinetry, island, granite counters, built-in appliances and abundance of pot lights is open to huge sunken family room - the perfect place to entertain. The lower level is complete with kitchen, family room, 2 bedrooms and 2 bathrooms - a complete in-law set up. Loaded with upgrades throughout. Not to be missed.

1513_KIMRI_1_0023

$749,900

GORGEOUS BUNGALOFT IN GLANBROOK

This beautiful 3+1 bedroom, 3.5 bath bungaloft is situated in a quaint neighbourhood just minutes to the Meadowlands in Ancaster and shopping on Upper James. This home is just under 2000 square feet (plus a fully fi nished basement). Step through the front doors to an open foyer with dramatic vaulted ceilings, hardwood fl ooring throughout the main level, a formal dining room, main fl oor master bedroom with his/her closets and a 4 piece ensuite bath (Jacuzzi tub), spacious main fl oor family room with a gas fi replace, eat-in kitchen with breakfast bar, stainless steel kitchen appliances (all included), and sliding doors to an updated rear deck and no immediate rear neighbours - privacy plus! The upper level offers 2 spacious bedrooms, a 4 piece bath, and a loft area overlooking both the front foyer and main fl oor family room. The lower level is fully fi nished and offers an additional bedroom with a walk-in closet and a 3-pc ensuite bath, a huge rec. rm, gas fi replace, pot lighting throughout, a roughed-in kitchen (in-law potential), and an offi ce/den.

1513_KIMRI_1_0021

$429,900

ESCAPE TO LAKE ERIE

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 pristine 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, fl ooring, front/rear decks, rear fence, rear shed, furnace, water heater, propane fi replace, paved driveway, electrial panel and more. Taxes in 2012 were only $1472.74. Just a short walk to a private beach.

1513_KIMRI_1_0066

$179,900

Volume 13 Issue 07 Resale Home & Condo Guide - Hamilton & Halton Edition

Please say you saw it in Resale Home & Condo Guide

1

RHH_1313.indd 1 4/11/13 4:47:59 PM

April 13 – April 27, 2013

04. Editor’s NotE

14. BuyiNg aNd sElliNg First-time homebuyers showing their rational side Genworth Canada releases results of homeownership study

18. your HomE Make your home energy efficient this spring

22. makE your movE How to move pianos and pool tables safely by Dan Hopkins

27. HomEBuyiNg tips Top tips for first-time homebuyers

28. tHE mortgagE miNutE Why you shouldn’t fret a market correction by Peter Kinch

29. HomEBuyErs’ HElp You love the home, see what you can afford!

InsIde thIs Issue

28x

27

18

Hamilton/Halton/Haldimand/Brantford

HamiltonBurlingtonBrantfordDunnvilleJarvisAncasterPuslinchOakville

GrimsbyHagersvilleDelhiDundasStoney CreekParisSimcoeCayuga

WaterdownMiltonCaledoniaPort DoverFlamborough& surrounding areas

Next advertisiNg deadliNe

thursday april 18th 2013

OAKVILLE

BRANTFORDHAMILTON

HALDIMAND-NORFOLK

BURLINGTON

WATERDOWN

HALTON

GRIMSBY

Coverage area:

issue date: April 27th, 2013 – 2-WEEK ISSUE

#500-401 The West Mall Etobicoke, ON M9C 5J5 t. 416.784.5060 toll-free 1.877.269.8257 f. 416.789.9705viCe-PresideNt, wall2wall media Jacqueline Hilleditor-iN-Chief, NatioNal real estate

Susan Leggeeditor Elisa Krovblit, Lydia McNutt (on leave)CoNtributiNg editors

Sara Duck, Wayne KarlseNior sales maNager

Larry Gregorismedia CoNsultaNt

Kim Richardssales CoordiNator

Nobia BhattiNatioNal aCCouNt maNager, mediative

Paul SlizysProduCtioN maNager

Bala GnanapandithangraPhiC desigNers

Dhaval Naik, Mike TerentievProduCtioN CoordiNators

Deenisha Doodnath Lindsey Maindonald

terms Advertisers and Resale Home & Condo Guide are not responsible for typographical errors, mistakes or misprints.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 1.800.268.0077cell: 905.730.5658 | fax: 905.383.4667 [email protected]

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.

Resale Home & Condo Guide - Hamilton & Halton Edition


2 Volume 13 Issue 07

RHH_1313.indd 2 4/11/13 4:48:01 PM

April 13 – April 27, 2013

04. Editor’s NotE

14. BuyiNg aNd sElliNg First-time homebuyers showing their rational side Genworth Canada releases results of homeownership study

18. your HomE Make your home energy efficient this spring

22. makE your movE How to move pianos and pool tables safely by Dan Hopkins

27. HomEBuyiNg tips Top tips for first-time homebuyers

28. tHE mortgagE miNutE Why you shouldn’t fret a market correction by Peter Kinch

29. HomEBuyErs’ HElp You love the home, see what you can afford!

InsIde thIs Issue

28x

27

18



3

RHH_1313.indd 3 4/11/13 4:48:02 PM

buying real estate is a great investment. For those looking to buy their first piece, it can often seem like the most logical step to take when you start putting the numbers down on paper. You need a place to live, so there’s

always going to be that payment to make, your bills are pretty stable whether you rent or buy, and when moving in with a significant other the budget becomes more flexible, making it seem silly to let months slip by without investing into your own home.

But the reality is that lending has tightened up. Where once upon a time a 40-year amortization easily turned high payments into affordable payments, the 25-year cap on insured mortgages means a lot more down or a lot less mortgage.

If you have more than 20 per cent as a down payment then there are more options, but if you want to get into the game with your first-time-buyer’s five percent down, you’re going to be looking at an additional premium at closing for insurance on your mortgage, and you’re also looking at the maximum amortization of 25 years.

The trend, as the Genworth Canada report published in this issue of Resale Homes explains, is that people are buying smarter. They’re saving longer and putting down more instead of overextending their finances and taking the minimum at every spot. While it may take a little longer to accumulate a down payment, it’s a smart approach and should work out well for firsttime homebuyers!

Elisa KrovblitEditor [email protected]

Follow me on Twitter at Twitter.com/ElisaKrovblit

y our next home needs to fulfill more than just a change in location – it needs to deliver a level of comfort, convenience and quality that you’ve likely not considered on your previous journeys for a place to call home.

Perhaps a bungalow is in order to help you get around better? More bedrooms? Fewer bathrooms and general living space to help minimize housework? And what about maintenance – does a condo make more sense for you this time around?

Whatever your needs, it’s imperative that you create a realistic shopping list so you can assess a home’s potential without any distractions. With so many beautiful communities available in Ontario, we’re here to help you find a home with all the bells and whistles you want and need.

Homebuyers this year are fortunate to be able to take advantage of a moderation in real estate prices and low interest rates.

Your journey starts here. We hope you enjoy our latest issue. Do let us know what you think! We’d love to hear from you.

Susan Legge Editor-in-chiEf Wall2Wall Media, [email protected]

Follow me on Twitter at Twitter.com/SusanLegge

your nEEdS

Saving up

A home to match

There’s savings in

editor’snote




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Gorgeous Country Executive Home! $749,850 Situated on 1 acre lot, only minutes to town, 2500 sf of luxurious living space, outstanding great room with 15’ vaulted ceilings & panoramic country views, stunning gourmet kitchen with granite, 3 br, 2 bath, triple car garage. Shows like a model home!

1513_KIMRI_0060

Waterfront Community! $569,850Stunning Stoney Creek home just steps to Lake Ontario, premium lot w/200 foot frontage, enjoy the best of everything...designer gourmet kitchen with granite, master bed w/luxury ensuite, main flr den and laundry, huge media loft, oversized double car garage, lot professionally landscaped...call to view this beauty today...shows 10+++!1513_KIMRI_0064

SOuth EaSt BEauty!Solid two storey home in family friendly area, lots of character and charm with orig hardwood flrs, stain glass windows, featuring 4 bedrooms, 1.5 baths, formal living room and dining room, side drive and large rear yard.

1513_KIMRI_0068

$259,850

StEPS tO GaGE PaRK! Renovated and ready to move in! Gorgeous new kitchen with stainless steel appl, living room with gorgeous gas fireplace, formal dining room, two bedrooms and a 4 piece bath on the main floor and a super huge master bedroom on the upper level with 3 pc ensuite. Don’t wait..this one won’t last!

1513_KIMRI_0069

$219,850

EXtENSIVE RENOVatIONS! huge 2.5 storey home in central hamilton featuring brand new eat in kitchen w/stainless steel appliances, formal living room and dining room with new hardwood floors, 4 bedrooms, 2.5 bath, huge master bed w/4 piece ensuite. Quick possession available! 1513_KIMRI_0070

$219,850

COuNtRy PROPERty! Located minutes to town, beautifully renovated brick bungalow on 2 acre corner parcel, suitable for contractor or small hobby farm, renovated brick bungalow w/stylish new kitchen w/granite counters, 3 bedrooms, 1 bath, fin large detached garage w/hydro.

1513_KIMRI_0071

$429,850

RHH_1313.indd 4 4/11/13 4:48:02 PM

1126

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Gorgeous Country Executive Home! $749,850 Situated on 1 acre lot, only minutes to town, 2500 sf of luxurious living space, outstanding great room with 15’ vaulted ceilings & panoramic country views, stunning gourmet kitchen with granite, 3 br, 2 bath, triple car garage. Shows like a model home!

1513_KIMRI_0060

Waterfront Community! $569,850Stunning Stoney Creek home just steps to Lake Ontario, premium lot w/200 foot frontage, enjoy the best of everything...designer gourmet kitchen with granite, master bed w/luxury ensuite, main flr den and laundry, huge media loft, oversized double car garage, lot professionally landscaped...call to view this beauty today...shows 10+++!1513_KIMRI_0064

SOuth EaSt BEauty!Solid two storey home in family friendly area, lots of character and charm with orig hardwood flrs, stain glass windows, featuring 4 bedrooms, 1.5 baths, formal living room and dining room, side drive and large rear yard.

1513_KIMRI_0068

$259,850

StEPS tO GaGE PaRK! Renovated and ready to move in! Gorgeous new kitchen with stainless steel appl, living room with gorgeous gas fireplace, formal dining room, two bedrooms and a 4 piece bath on the main floor and a super huge master bedroom on the upper level with 3 pc ensuite. Don’t wait..this one won’t last!

1513_KIMRI_0069

$219,850

EXtENSIVE RENOVatIONS! huge 2.5 storey home in central hamilton featuring brand new eat in kitchen w/stainless steel appliances, formal living room and dining room with new hardwood floors, 4 bedrooms, 2.5 bath, huge master bed w/4 piece ensuite. Quick possession available! 1513_KIMRI_0070

$219,850

COuNtRy PROPERty! Located minutes to town, beautifully renovated brick bungalow on 2 acre corner parcel, suitable for contractor or small hobby farm, renovated brick bungalow w/stylish new kitchen w/granite counters, 3 bedrooms, 1 bath, fin large detached garage w/hydro.

1513_KIMRI_0071

$429,850



5

RHH_1313.indd 5 4/11/13 4:48:03 PM

905.774.4444 | 905.574.1234w w w . r i v e r s i d e r e a l t y . c a

1127

4206

_151

3

Tammy CarpenterSales Representative*

Richard SchilstraBroker of Record***

®

R E A L T Y B R O K E R A G E I N C .INDEPENDENTLY OWNED AND OPERATED

Affordable waterfront cottage with incredible views of Gull Island! Features 2 bedrooms, a loft plus lots of decking to enjoy your summer at the lake! Thousands spent in 2004 breakwall! Just unpack and enjoy! Call Tammy Carpenter*

ENJOY SUMMERS AT THE LAKE! $189,900

1513

_KIM

RI_2

_002

3

Completely renovated home/cottage with deeded access to beach and surrounded by countryside that will make you think you are in the Muskokas!! 2+1 bedrrm, 2 bathrms, full fi nished base-ment and lovely decor! A must see as your next vaca-tion spot. Call today! Call Tammy Carpenter*

NATURE LOVERS DREAM! $249,900

1513

_KIM

RI_1

_002

4

Unique opportunity with an inlaw or duplex potential & rental income to help pay mortgage. B&B possibilities as well! 3100 sq ft brick 2 sty home with modern decor! Thousands spent in renos in 2011 including cherry kitchen with granite & built-in appliances. Attached double garage & single detached garage. Lovely yard including 2 hot tub/swim spa. Views & ownership on lakeside. A must see property to see & appreciate all it offers! Call Tammy Carpenter*

STUNNING LAKEFRONT HOME! $447,000

1513

_KIM

RI_1

_002

5 Enjoy the lazy days of sum-mer, with breezes off the Lake, sitting in your 40ft enclosed sun rm. Properties like this don’t come up for sale often. 1.6 acre lakefront property has been in same family over 75 years. Well maintained home features large rms ideal for family gatherings.

Call Richard Schilstra***

LAKE ERIE LIVING! $489,900

1513

_KIM

RI_1

_002

6

Stunning 2 storey 4 bedrm family home with gorgeous custom kitchen with granite & glass backsplash open to family room with f/place & built in cabinetry, garden doors leading to deck where you can listen to the waves or enjoy the beach! Formal dining rm, vaulted living rm, main fl r offi ce/den, fi nished lower level. All in a sought after lakefront subdivision!Call Tammy Carpenter*

EXECUTIVE LAKEFRONT HOME! $679,900

1513

_KIM

RI_1

_002

7 3 bedroom brick bungalow west of Dunnville. Features include hardwood fl oors, eat-in kitchen, sliding doors to deck overlooking open fi elds. Great country location!


COUNTRY LIVING! $189,900

1513

_KIM

RI_1

_002

8

New shingles (2012), soffi t/facia + 25’ x 50’ quanset bldg. 2nd fl oor of home separately rented at $600/month plus utilities. Separate driveways and entrances to each unit. Large property to enjoy.


2.85 ACRES! $189,900

1513

_KIM

RI_1

_002

9 3 bedroom home just west of Dunnville in country set-ting. Updates include custom maple kitchen with breakfast bar, vinyl windows and more! Spacious living & dining room combo. Move in con-dition!


UPDATED BRICK BUNGALOW! $229,900

1513

_KIM

RI_2

_003

0




RHH_1313.indd 6 4/11/13 4:48:03 PM



7

1127

4226

_151

394

8914

3_15

13

THINK SOLD... THINK MARGARET & WALDI NIBURSKIWE MAKE DREAMS AFFORDABLE

[email protected]@sutton.com

Sutton Group Innovative Realty Inc., Brokerage*Independently Owned & Operated

www.hamiltonhomes-for-sale.comfor Hamilton & Area Estate Market Reports

Visit

905-575-7070

MARGARET (MALGORZATA)

NIBURSKI B.SC. SALES REPRESENTATIVE

WALDI (WALDEMAR)

NIBURSKI M.SC. SALES REPRESENTATIVE

YOUR LISTING ADVERTISED ON

40+ WEBSITES

$144,900

HAMILTON CENTRAL

$379,900!

TRENDY AND DESIRABLE, WESTDALE!

$149,900

1313_KIMRI_0035

GREAT STARTER IN A PERFECT LOCATION

Attention Seniors! Great building • close to all amenities! Spacious one bedroom with plenty • of renos!Oversized balcony with great view!• Ready to move-in!!! •

$114,900

1313_KIMRI_1_6007

EAST HAMILTON OUTSTANDING CONDO APARTMENT!!!

Affordable 3 bedroom bungalow • for sale!! 3 bedrooms! • Brick exterior• Eat-in kitchen• Garage and side drive•

www.hamiltonhomes-for-sale.com

Just minutes to McMaster • University! Westdale West Hamilton.5+1 bedrooms!• Presently set up as a student rental • with great income!Brick exterior• Garage• Spacious rooms• Some upgrades!•


1313

_KIM

RI_0

034

1313

_KIM

RI_0

033

Near Gage Avenue. • 3 bedrooms• Brick exterior• Spacious rooms• Great convenient location• Plenty of parking at the back•


Ever wonder how the Hamilton Real Estate Market is doing? Visit 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!!!

905.774.4444 | 905.574.1234w w w . r i v e r s i d e r e a l t y . c a

1127

4206

_151

3

Tammy CarpenterSales Representative*

Richard SchilstraBroker of Record***

®

R E A L T Y B R O K E R A G E I N C .INDEPENDENTLY OWNED AND OPERATED

Affordable waterfront cottage with incredible views of Gull Island! Features 2 bedrooms, a loft plus lots of decking to enjoy your summer at the lake! Thousands spent in 2004 breakwall! Just unpack and enjoy! Call Tammy Carpenter*

ENJOY SUMMERS AT THE LAKE! $189,900

1513

_KIM

RI_2

_002

3

Completely renovated home/cottage with deeded access to beach and surrounded by countryside that will make you think you are in the Muskokas!! 2+1 bedrrm, 2 bathrms, full fi nished base-ment and lovely decor! A must see as your next vaca-tion spot. Call today! Call Tammy Carpenter*

NATURE LOVERS DREAM! $249,900

1513

_KIM

RI_1

_002

4

Unique opportunity with an inlaw or duplex potential & rental income to help pay mortgage. B&B possibilities as well! 3100 sq ft brick 2 sty home with modern decor! Thousands spent in renos in 2011 including cherry kitchen with granite & built-in appliances. Attached double garage & single detached garage. Lovely yard including 2 hot tub/swim spa. Views & ownership on lakeside. A must see property to see & appreciate all it offers! Call Tammy Carpenter*

STUNNING LAKEFRONT HOME! $447,000

1513

_KIM

RI_1

_002

5 Enjoy the lazy days of sum-mer, with breezes off the Lake, sitting in your 40ft enclosed sun rm. Properties like this don’t come up for sale often. 1.6 acre lakefront property has been in same family over 75 years. Well maintained home features large rms ideal for family gatherings.


LAKE ERIE LIVING! $489,900

1513

_KIM

RI_1

_002

6

Stunning 2 storey 4 bedrm family home with gorgeous custom kitchen with granite & glass backsplash open to family room with f/place & built in cabinetry, garden doors leading to deck where you can listen to the waves or enjoy the beach! Formal dining rm, vaulted living rm, main fl r offi ce/den, fi nished lower level. All in a sought after lakefront subdivision!Call Tammy Carpenter*

EXECUTIVE LAKEFRONT HOME! $679,900

1513

_KIM

RI_1

_002

7 3 bedroom brick bungalow west of Dunnville. Features include hardwood fl oors, eat-in kitchen, sliding doors to deck overlooking open fi elds. Great country location!


COUNTRY LIVING! $189,900

1513

_KIM

RI_1

_002

8

New shingles (2012), soffi t/facia + 25’ x 50’ quanset bldg. 2nd fl oor of home separately rented at $600/month plus utilities. Separate driveways and entrances to each unit. Large property to enjoy.


2.85 ACRES! $189,900

1513

_KIM

RI_1

_002

9 3 bedroom home just west of Dunnville in country set-ting. Updates include custom maple kitchen with breakfast bar, vinyl windows and more! Spacious living & dining room combo. Move in con-dition!


UPDATED BRICK BUNGALOW! $229,900

1513

_KIM

RI_2

_003

0

RHH_1313.indd 7 4/11/13 4:48:04 PM

1286 Upper James St., Hamilton, L9C 3B4

9255

435_

1513

For All Your Real Estate Needs

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

Residential Commercial Investment

Elevated brick ranch style home with plaster walls and hardwood floors. Side door entrance could be lower level apartment. Large family room with wall to wall stone fireplace. Roof shingles 2009. Nice size garage 24x11. Priced at $199,900. 1313_KIMRI_0028

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

Clean 2 bedroom with updated kitchen, shingles, furnace, windows, doors and bathroom. 18” tiles in hallway and kitchen. Immediate possession available. Immediate possession available. Priced at $119,900.

1313_KIMRI_0029


3 Bedroom brick semi located on 37.5 ft x 100 ft lot. Newer siding, replacement windows and hardwood floors. Updated kitchen with ceramics. Fenced yard, workshop, covered deck and carport. Priced at $139,900. 1313_KIMRI_0024 1313_KIMRI_0025


2 1/2 storey brick starter, garage, private side drive, bachelor apt. in basement to supplement your income, near Ivor Wynn Stadium. Good value. 1313_KIMRI_0050 1313_KIMRI_0051

Please Call ITALO FIDANZA, Broker, 905.388.5133.

New Listing!

Excellent Value!

One Owner Home! New Price!

SOLD

SERVICE THAT MOVES YOU

9189

912_

1513

ESCARPMENT REALTY INC. BrokerageIndependently Owned & Operated

FRANK RADMAN(905)545-1188

Sales Representative

Email: [email protected]

SOLD!

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

Enjoy the beauty of the Grand River from all levels of this home. Pristine gardens to water’s edge - a haven for birds & wildlife. A 4300 sq ft custom built home w/full in-law or nanny suite. The grand home offers formal dining rm, eat-in kitchen, elegant liv-ing rm w/FP, recent updates, glass panelled balcony, XL double garage & much more. A must see!

UNIQUE 6 LEVEL ARCHITECTURAL MARVEL

1513_KIMRI_1_0047

CALEDONIA

Pride of ownership is evident in this 3+1 bedrm, 2 bathrm home. Many pristine reno’s completed within 5 yrs! High end kitchen, 2 bathrms, hrdwd, laminate & ceramics thru-out. Lrg m bedrm offers ensuite, large rec room in bsmnt. Exterior boasts detached garage, extensive decking and great view. Call today to view!!

COZY & CUTE IN DUNDAS

1513_KIMRI_1_0062

VIEW OF

ESCARPMEN

TDETACHED

GARAGE

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, re� nished hardwood � oors, 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.

ATTENTION JURAVINSKI HOSPITAL EMPLOYEES!

1513_KIMRI_1_0010

IN-LAW SUITE

WITH SEPARATE

ENTRANCEVERY SH

ORT

WALK TO

JURAVINSK

I

HOSPITA

L ENTR

ANCE

A piece of paradise! This Century style 2 storey character � lled home offers 4 bedrms, 1.5 bathrms, impressive great room, all season sunroom, cozy family rm w/gas FP country oak kitchen, sep dining rm, office & main � r laundry. Several outbldgs & barn in perfect cond. incl. 4 stall horse barn. Call today for more details on the exterior buildings, property & updates.

120 ACRE MULTI PURPOSE FARM

1513_KIMRI_1_0063

GLANBROOK

VIEW OF

ESCARPMEN

TList Your Home Today!

VIRTUALLY FREE

HEAT SOURCE

FEATURE PROPERTY OF THE MONTH

RIVER VIEWS

Pride of ownership is evident in this 3+1 bedrm, 2 bathrm home. Many pristine reno’s completed within 5 yrs! High end kitchen, 2

Advertised Here and Sold for Top Dollar!

bathrms, hrdwd, laminate & ceramics thru-out. Lrg m bedrm offers ensuite, large rec room in bsmnt. Exterior boasts detached garage, extensive decking and great view. Call today to view!!

Many pristine reno’s completed within 5 yrs! High end kitchen, 2

Call Frank! 905-545-1188




RHH_1313.indd 8 4/11/13 4:48:05 PM

1286 Upper James St., Hamilton, L9C 3B4

9255

435_

1513

For All Your Real Estate Needs

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

Residential Commercial Investment

Elevated brick ranch style home with plaster walls and hardwood floors. Side door entrance could be lower level apartment. Large family room with wall to wall stone fireplace. Roof shingles 2009. Nice size garage 24x11. Priced at $199,900. 1313_KIMRI_0028


Clean 2 bedroom with updated kitchen, shingles, furnace, windows, doors and bathroom. 18” tiles in hallway and kitchen. Immediate possession available. Immediate possession available. Priced at $119,900.

1313_KIMRI_0029


3 Bedroom brick semi located on 37.5 ft x 100 ft lot. Newer siding, replacement windows and hardwood floors. Updated kitchen with ceramics. Fenced yard, workshop, covered deck and carport. Priced at $139,900. 1313_KIMRI_0024 1313_KIMRI_0025


2 1/2 storey brick starter, garage, private side drive, bachelor apt. in basement to supplement your income, near Ivor Wynn Stadium. Good value. 1313_KIMRI_0050 1313_KIMRI_0051

Please Call ITALO FIDANZA, Broker, 905.388.5133.

New Listing!

Excellent Value!

One Owner Home! New Price!

SOLD

SERVICE THAT MOVES YOU

9189

912_

1513

ESCARPMENT REALTY INC. BrokerageIndependently Owned & Operated

FRANK RADMAN(905)545-1188


Email: [email protected]

SOLD!

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

Enjoy the beauty of the Grand River from all levels of this home. Pristine gardens to water’s edge - a haven for birds & wildlife. A 4300 sq ft custom built home w/full in-law or nanny suite. The grand home offers formal dining rm, eat-in kitchen, elegant liv-ing rm w/FP, recent updates, glass panelled balcony, XL double garage & much more. A must see!

UNIQUE 6 LEVEL ARCHITECTURAL MARVEL

1513_KIMRI_1_0047

CALEDONIA

Pride of ownership is evident in this 3+1 bedrm, 2 bathrm home. Many pristine reno’s completed within 5 yrs! High end kitchen, 2 bathrms, hrdwd, laminate & ceramics thru-out. Lrg m bedrm offers ensuite, large rec room in bsmnt. Exterior boasts detached garage, extensive decking and great view. Call today to view!!

COZY & CUTE IN DUNDAS

1513_KIMRI_1_0062

VIEW OF

ESCARPMEN

TDETACHED

GARAGE

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, re� nished hardwood � oors, 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.

ATTENTION JURAVINSKI HOSPITAL EMPLOYEES!

1513_KIMRI_1_0010

IN-LAW SUITE

WITH SEPARATE

ENTRANCEVERY SH

ORT

WALK TO

JURAVINSK

I

HOSPITA

L ENTR

ANCE

A piece of paradise! This Century style 2 storey character � lled home offers 4 bedrms, 1.5 bathrms, impressive great room, all season sunroom, cozy family rm w/gas FP country oak kitchen, sep dining rm, office & main � r laundry. Several outbldgs & barn in perfect cond. incl. 4 stall horse barn. Call today for more details on the exterior buildings, property & updates.

120 ACRE MULTI PURPOSE FARM

1513_KIMRI_1_0063

GLANBROOK

VIEW OF

ESCARPMEN

TList Your Home Today!

VIRTUALLY FREE

HEAT SOURCE

FEATURE PROPERTY OF THE MONTH

RIVER VIEWS

Pride of ownership is evident in this 3+1 bedrm, 2 bathrm home. Many pristine reno’s completed within 5 yrs! High end kitchen, 2

Advertised Here and Sold for Top Dollar!

bathrms, hrdwd, laminate & ceramics thru-out. Lrg m bedrm offers ensuite, large rec room in bsmnt. Exterior boasts detached garage, extensive decking and great view. Call today to view!!

Many pristine reno’s completed within 5 yrs! High end kitchen, 2

Call Frank! 905-545-1188



9

RHH_1313.indd 9 4/11/13 4:48:06 PM

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8313166_1513 8158867_1513

Top 1% Nationallyfor royal lepage

2006-Present

state realty brokerageindependently owned & operated

Jacqueline Mastrangelosales representative

aJ ghottrasales representative

Jodi woodardsales representative

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

Unique heritage home “The Parsonage” built in 1883 w/old charm & character. High ceilings, double brick & plaster construction. Solid plank hardwd flrs throughout (no carpets). Massive room sizes. Newer roof, wiring, gas furnace. Open concept into solarium addition inground 16’x32’ pool. H3106118

BURLINGTON

1513_KIMRI_0012

Great condo unit in Burlington with large bedrms. Updated kitchen, washroom & beautifully painted w/crown moulding in bedrms, stack-up laundry unit. Large balcony, storage unit & 2 parking spaces. Close to shopping, bus routes & all other amenities. H3103393

BURLINGTON

1513_KIMRI_0013

Beautifully kept historic home (1827) on lrg lot, backing on ravine w/great views. Pine plank, floors, beamed ceilings, huge screened in verandah overlooking ravine, kitchen & bathrm updated. Cozy family rroom w/fireplace. All bedrms tastefully & uniquely decorated. Meticulously manicured gardens & inground pool. Spotless & stunning. H3103125

DUNDAS

1513_KIMRI_0014

Brick 4 level back split with 3 bedrm & 2 bathrm. Exceptional decor throughout w/newer eat-in-kitchen. Fully finished with corner gas fireplace in familyroom. Loads of room. Nothing to do but move in. H3102473

STONEY CREEK MOUNTAIN

1513_KIMRI_0015

Huge 4+2 bedrm all brick w/inlaw-suite, near Parks, Schools & w/easy access to QEW. Main flr familyrm w/gas fireplae & hardwd flrs. Basement finished as inlaw suite w/2 bdrms., 2nd kitchen & 4 pce bath. Oak staircase. Walkout from kitchen onto large concrete patio. Newer windows. H3102636

STONEY CREEK

1513_KIMRI_0016

Watefront property panoramic views of Lake Ont. 60’ frontage is rare find in Stoney Creek. Detached 1 storey, 2 bedrm home presently on property. Great opportunity to build your dream home. If you desire, in this secluded & prestigious location among other executive homes. Minutes to QEW & Malls. H3099459

STONEY CREEK

1513_KIMRI_0017

Recently updated home located in Heart of Stoney Creek. New floors in familyrm, diningrm, livingrm, foyer, kitchen & bedrms. Entire home freshly painted. New light fixtures & updated kitchen. All brick, close to schools, shops, QEW etc. Finished basement w/2nd eat-in kitchen, recrm, full bath & bedroom. Ideal inlaw suite. Walkout to deck. H3105399

STONEY CREEK

1513_KIMRI_0018

All brick, 2 storey home, East end location, 3+1 bedrms 2+1 bathrms, recent upgrades: Roof, windows, gas furnace, C/A, updated hydro, exterior drs. Finished bsmnt w/4th bedrm, 4 pce bath & huge familyrm, triple concrete drive & new shed. Close to Schools, Shops, Buses, Highways, etc. H3104876

HAMILTON EAST

1513_KIMRI_0019

INVESTMENT PROPERTIES:

- (MAIN STREET EAST)BUSINESS FOR SALE - HAMILTON CENTRELAUNDRY - MART BUSINESS, H3104005

- (MAIN STREET EAST)COMMERCIAL/RESIDENTIAL BUILDING - HAMILTON EASTMAIN FLOOR COMMERCIAL,

UPPER RESIDENTIAL H3097754

- (CARLING STREET)RESIDENTIAL RENTAL - HAMILTON wEST

wALk TO MCMASTER, H3100492

[email protected] or 1.877.574.7441

lynn Vienneaubusiness associate

rick sharmabroker

reisha dassteam Mnger/sales rep.



2006-Present




RHH_1313.indd 10 4/11/13 4:48:08 PM

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8313166_1513 8158867_1513


2006-Present


Jacqueline Mastrangelosales representative

aJ ghottrasales representative

Jodi woodardsales representative

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


BURLINGTON

1513_KIMRI_0012


BURLINGTON

1513_KIMRI_0013


DUNDAS

1513_KIMRI_0014



1513_KIMRI_0015


STONEY CREEK

1513_KIMRI_0016


STONEY CREEK

1513_KIMRI_0017


STONEY CREEK

1513_KIMRI_0018


HAMILTON EAST

1513_KIMRI_0019





- (CARLING STREET)RESIDENTIAL RENTAL - HAMILTON wEST

wALk TO MCMASTER, H3100492


lynn Vienneaubusiness associate

rick sharmabroker

reisha dassteam Mnger/sales rep.



2006-Present


Volume 13 Issue 07 Resale Home & Condo Guide - Hamilton & Halton Edition 11

RHH_1313.indd 11 4/11/13 4:48:11 PM




905-388-1110

www.1110 .ca

Rob McDowel lBroker , BA/SRES

Paul McDowel lSales Representa t ive

8547

409_

1513

ALL UPDATES DONE - JUST MOVE IN

1513_KIMRI_1_0030

OPERATE YOUR BUSINESS FROM HOME!

1513_KIMRI_1_0031

New Owner! New Opportunities! Same million dollar views from Escarpment edge! 2,400 sq ft. 400 sq ft terrace. Private elevator entry in each suite. 3 designs. Prices starting from $695,000. Call Rob or Paul for viewing of our newly furnished suite. MLS #H3079836

NEW LISTING

1513_KIMRI_0010

Just Listed - well priced townhome offering brand new quality broadloom, attractive neutral decor, fireplace, finished lower level, nice yard with gazebo! Super complex! $239,900. Call Rob Today!

WALK TO THE LAKE

1513_KIMRI_0011

30% SOLD FIRM OR

CONDITIONAL

Seniors Specialist Designation

Great location, south of Barton Street, less than 1 block from The Shopping Centre. No backyard neighbours, side drive. Full partial-finished basement. Close to buses and all amenities. Lots of potential but needs some work. Book a viewing today! 104 Frederick Ave., Only $119,500. CALL PAUL or ROB. MLS #H3104413

ATTENTION RENOVATORS

1513_KIMRI_1_0032

Spring is here... time to build your dream home! How about a nice bungalow on this 50 ft by 101 ft Stoney Creek lot. Asking $160,000. Call Rob or Paul. MLS #H3102187.

OLD STONEY CREEK

1513_KIMRI_1_0013

Perfect for 1st time buyers or small family. Well maintained featuring a gorgeous custom kitchen + dining room. Lots of updates; Pot lights, crown moulding, hardwood, California shutters, wiring, plumbing, roof, windows, C/A. Finished basement with rec room, office area and separate laundry room. Family room has a walkout to private yard, with covered patio hot tub and pond, garage. Appliances included! 272 East 22nd St., $239,500. CALL PAUL or ROB MLS #H3104675

Great opportunity for contractor, investor or hobbyist. 16 x 30ft 8 yr old building or workshop with double garage doors built behind updated 4 bedroom home. Building is insulated, drywalled & heated. Home has new entry doors, some windows, 200 amp electrical & shows well. Accessible location near Burlington St., 226 Avondale Street. Only $129,900. CALL PAUL or ROB MLS #H3105018

SOLDSOLD SOLDSOLD

Brokerage

905-318-3800 Results Realty Inc. BrokerageIndependently Owned & Operated Realtor®

ww

w.s

carl

etth

omes

.com

HOMELIFE RESULTS REALTY INC.

9189

931_

1513

Wow!!! Unbeatable price in this only 5 years old home with 4+2 bedrooms and 3.5 baths, fi nished top to bottom, over 3500 sq ft of living space, A/C, 6 appliances, hot tub included, main fl oor family room w/fp, main fl oor laun-dry room, eat- in kitchen, master ensuite, priced for fast sale. No disap-pointment. Shows 10+++ ... BOZENA RADENKOVIC* 905-318-3800.

$4

69

,90

0

1313_KIMRI_1_0019

825 RYMAL ROAD EAST - HAMILTON

Ultimate luxury rare fi nd beauty that you have been waiting for. This stunning Scarlett 4 bed-room home has been loaded with upgrades. Features include: Main fl oor with 10’ ceilings, main fl oor family room with custom wall unit

and fi replace 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

$7

49

,90

0

1313_KIMRI_0039

151 CHAMBERS DRIVE - ANCASTER2 storey all brick 4+1 bedroom, 2.5 bath home. Large 15x20 deck above grade. Open c o n c e p t k i t c h e n / d i -nette family

room. Professionally landscaped backyard with fi sh-pond, waterfall/rock garden. New roof 2011 with life-time warranty.....HELENA WERNER* 905-318-3800

$5

35

,00

0

1313_KIMRI_0038

20 TAYWOOD COURT - DUNDASNicely loaded with all the right upgrades. Includes: Granite counter in kitchen/powder, raised maple cabinets, under-mount sink, upgrade faucet, undermount lighting, crown moulding, dinette cabinetry, family room w/built-in maple

wall unit, gas fpl, hwd fl oors in dining, family and upper hall, coffered ceiling, decora-tive columns. Oak stairs w/wrough iron spindles, master ensuite w/dble sink, shower w/half glass walls and seat. 19 interior potlights, 5 exterior, 2 shower lights, 2 wall sconses, 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 1313_KIMRI_1_0059

167 CHAMBERS DRIVE-ANCASTER

$3

89

,90

0

1313_KIMRI_1_0007

200 CHARTWELL CIRCLE- HAMILTON

LOT 29...To be built by Scarlett Homes, new site on Hamilton Mountain, the Florence model ap-prox 2551 sq. ft., 4 bed-rooms, 2.5 baths, 9 ft main fl r. ceilings, kitchen w/ fl at maple cabinets, granite

countertops w/ stainless steel, undermount sink, pantry, pots & pans drawer, crown moulding, breakfast bar, oak staircase, hdwd in separate dining rm & upper hall, main fl oor family room with fi replace, 4 interior/4 exterior potlights, 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.

$4

19,9

00

1313_KIMRI_1_0078

220 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 fl oor fam-ily room with fi replace, main fl oor laundry

room, separate dining room, master bedroom with walk-in closet and ensuite, eat-in kitchen, hardwood fl oors, 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 1313_KIMRI_1_0011

44 CHARTWELL CIRCLE - HAMILTON 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 fl oors. There is a window opening toward the family room w/gas fi replace with oak mantle, 9 ft. ceilings on main fl oor, oak staircase, hardwood fl oors in dining room and upper hallway, 4 exte-rior 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 1313_KIMRI_1_0015

36 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 fl oors, coffered ceiling, dining rm w/hdw, main fl oor 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.

$54

9,9

00

1313_KIMRI_1_0036

183 CHAMBERS DRIVE ANCASTER LOT 27...New home by Scarlett Homes, Riverstone model approx 2400 sq. ft., 4 bedrooms, 2.5 baths, 9’ main fl oor ceil-ings, 4 bedrooms, 2.5 baths, main fl oor family room w/

fi replace, separate dining room, hardwood fl oor, granite/raised maple kitchen, pantry, pots/pans drawer, crown moulding, pot-lights, oak stairs....CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 1313_KIMRI_2_0015

212 CHARTWELL CIRCLE - HAMILTON

LOT 24...New home by Scarlett Homes, new site on Hamilton Mountain, the Snowfl ake model approx 2257 sq. ft., 4 bedrooms, 2.5 baths, main fl oor fam-ily room with gas fi replace, separate formal living

and dining rooms, hadwood fl oors, 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

LOCATION LOCA-TION LOCATION. Heart of Mountain. Close to Limeridge Mall and exit to Linc. All brick, lovely 3 bedroom, 2.5 bath. House for young or growing family, new furnace, hardwood, oak stairs, two level

deck, BBQ gas, FP in rec room. Good house, good lo-cation, good value.RSA....BOZENA RADENKOVIC* 905-318-3800 1313_KIMRI_1_0031

318 CRERAR DRIVE - HAMILTON

$3

07

,80

0

1313_KIMRI_1_0035

Model home available soon! New design has everything on the “Wants” list. Granite counter in kitchen, raised maple cabinets, undermount sink, upgrade faucet, under

mount lighting, crown moulding, dinette cabinetry, family room w/built-in maple wall unit, gas fpl., hdw fl oors, 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.

$54

9,9

00

171 CHAMBERS DRIVE ANCASTER

**Broker of Record *Sales Representative

$4

20

,90

0

1313_KIMRI_1_0009

24 CHARTWELL CIRCLE - HAMILTONLOT 6...To be built by Scarlett Homes, new site on Hamilton Mountain, the Belair model approx 2646 sq. ft., 4 bed-rooms, 2.5 baths, 9 ft. main fl oor ceilings, kitchen with fl at maple cabinets, granite countertops with stainless steel undermount sink, pan-

try, pots & pans drawer, crown moulding, breakfast bar, oak staircase, hardwood in separate dining room & upper hall, main fl oor family room with fi replace, 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

$4

26

,90

0$

55

4,9

00

INVENTORY HOME SALE

Beautiful Georgian style home in a quiet, highly sought- after Aldershot neighborhood! Some up-grades include, hardwood fl oors in living/dining/den/up-per hall, maple staircase with

wrought iron spindles, 18” tile in kitchen, upgraded cabinets with granite counter tops, see B listing for more...Kohler fi xtures throughout, GE cafe fridge, stove, dish-washer, heated bathroom fl oors, 200 amp service, lighting fi xtures, door/hardware, built- in sound system as well as security with cameras and monitoring equipmnet. 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 fi nished garage, RSA...BORIS KRESINA* 905-318-3800. 1313_KIMRI_2_0031

693 CEDAR AVENUE - BURLINGTON

$1

,46

5,0

00

LOT 7...To be built by Scarlett Homes, Kingston II model. Approx 2557 sq. ft., 4 bedrooms, 2.5 baths, main fl oor family room with gas fi replace, maple kitchen cabinets, granite countertops, crown moulding, pots/

pan drawer, hardwood fl oors 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. 1513_KIMRI_0031


$4

19

,90

0

$4

09

,90

0

AVAILABLE IMMEDIATELY

$4

22

,90

0

RHH_1313.indd 12 4/11/13 4:48:11 PM

Brokerage

905-318-3800 Results Realty Inc. BrokerageIndependently Owned & Operated Realtor®

ww

w.s

carl

etth

omes

.com

HOMELIFE RESULTS REALTY INC.

9189

931_

1513

Wow!!! Unbeatable price in this only 5 years old home with 4+2 bedrooms and 3.5 baths, fi nished top to bottom, over 3500 sq ft of living space, A/C, 6 appliances, hot tub included, main fl oor family room w/fp, main fl oor laun-dry room, eat- in kitchen, master ensuite, priced for fast sale. No disap-pointment. Shows 10+++ ... BOZENA RADENKOVIC* 905-318-3800.

$4

69

,90

0

1313_KIMRI_1_0019

825 RYMAL ROAD EAST - HAMILTON

Ultimate luxury rare fi nd beauty that you have been waiting for. This stunning Scarlett 4 bed-room home has been loaded with upgrades. Features include: Main fl oor with 10’ ceilings, main fl oor family room with custom wall unit

and fi replace 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

$7

49

,90

0

1313_KIMRI_0039

151 CHAMBERS DRIVE - ANCASTER2 storey all brick 4+1 bedroom, 2.5 bath home. Large 15x20 deck above grade. Open c o n c e p t k i t c h e n / d i -nette family

room. Professionally landscaped backyard with fi sh-pond, waterfall/rock garden. New roof 2011 with life-time warranty.....HELENA WERNER* 905-318-3800

$5

35

,00

0

1313_KIMRI_0038

20 TAYWOOD COURT - DUNDASNicely loaded with all the right upgrades. Includes: Granite counter in kitchen/powder, raised maple cabinets, under-mount sink, upgrade faucet, undermount lighting, crown moulding, dinette cabinetry, family room w/built-in maple

wall unit, gas fpl, hwd fl oors in dining, family and upper hall, coffered ceiling, decora-tive columns. Oak stairs w/wrough iron spindles, master ensuite w/dble sink, shower w/half glass walls and seat. 19 interior potlights, 5 exterior, 2 shower lights, 2 wall sconses, 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 1313_KIMRI_1_0059

167 CHAMBERS DRIVE-ANCASTER

$3

89

,90

0

1313_KIMRI_1_0007

200 CHARTWELL CIRCLE- HAMILTON

LOT 29...To be built by Scarlett Homes, new site on Hamilton Mountain, the Florence model ap-prox 2551 sq. ft., 4 bed-rooms, 2.5 baths, 9 ft main fl r. ceilings, kitchen w/ fl at maple cabinets, granite

countertops w/ stainless steel, undermount sink, pantry, pots & pans drawer, crown moulding, breakfast bar, oak staircase, hdwd in separate dining rm & upper hall, main fl oor family room with fi replace, 4 interior/4 exterior potlights, 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.

$4

19,9

00

1313_KIMRI_1_0078

220 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 fl oor fam-ily room with fi replace, main fl oor laundry

room, separate dining room, master bedroom with walk-in closet and ensuite, eat-in kitchen, hardwood fl oors, 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 1313_KIMRI_1_0011

44 CHARTWELL CIRCLE - HAMILTON 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 fl oors. There is a window opening toward the family room w/gas fi replace with oak mantle, 9 ft. ceilings on main fl oor, oak staircase, hardwood fl oors in dining room and upper hallway, 4 exte-rior 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 1313_KIMRI_1_0015


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 fl oors, coffered ceiling, dining rm w/hdw, main fl oor 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.

$54

9,9

00

1313_KIMRI_1_0036

183 CHAMBERS DRIVE ANCASTER LOT 27...New home by Scarlett Homes, Riverstone model approx 2400 sq. ft., 4 bedrooms, 2.5 baths, 9’ main fl oor ceil-ings, 4 bedrooms, 2.5 baths, main fl oor family room w/

fi replace, separate dining room, hardwood fl oor, granite/raised maple kitchen, pantry, pots/pans drawer, crown moulding, pot-lights, oak stairs....CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 1313_KIMRI_2_0015

212 CHARTWELL CIRCLE - HAMILTON

LOT 24...New home by Scarlett Homes, new site on Hamilton Mountain, the Snowfl ake model approx 2257 sq. ft., 4 bedrooms, 2.5 baths, main fl oor fam-ily room with gas fi replace, separate formal living

and dining rooms, hadwood fl oors, 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

LOCATION LOCA-TION LOCATION. Heart of Mountain. Close to Limeridge Mall and exit to Linc. All brick, lovely 3 bedroom, 2.5 bath. House for young or growing family, new furnace, hardwood, oak stairs, two level

deck, BBQ gas, FP in rec room. Good house, good lo-cation, good value.RSA....BOZENA RADENKOVIC* 905-318-3800 1313_KIMRI_1_0031

318 CRERAR DRIVE - HAMILTON

$3

07

,80

0

1313_KIMRI_1_0035

Model home available soon! New design has everything on the “Wants” list. Granite counter in kitchen, raised maple cabinets, undermount sink, upgrade faucet, under

mount lighting, crown moulding, dinette cabinetry, family room w/built-in maple wall unit, gas fpl., hdw fl oors, 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.

$54

9,9

00

171 CHAMBERS DRIVE ANCASTER

**Broker of Record *Sales Representative

$4

20

,90

0

1313_KIMRI_1_0009

24 CHARTWELL CIRCLE - HAMILTONLOT 6...To be built by Scarlett Homes, new site on Hamilton Mountain, the Belair model approx 2646 sq. ft., 4 bed-rooms, 2.5 baths, 9 ft. main fl oor ceilings, kitchen with fl at maple cabinets, granite countertops with stainless steel undermount sink, pan-

try, pots & pans drawer, crown moulding, breakfast bar, oak staircase, hardwood in separate dining room & upper hall, main fl oor family room with fi replace, 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

$4

26

,90

0$

55

4,9

00

INVENTORY HOME SALE

Beautiful Georgian style home in a quiet, highly sought- after Aldershot neighborhood! Some up-grades include, hardwood fl oors in living/dining/den/up-per hall, maple staircase with

wrought iron spindles, 18” tile in kitchen, upgraded cabinets with granite counter tops, see B listing for more...Kohler fi xtures throughout, GE cafe fridge, stove, dish-washer, heated bathroom fl oors, 200 amp service, lighting fi xtures, door/hardware, built- in sound system as well as security with cameras and monitoring equipmnet. 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 fi nished garage, RSA...BORIS KRESINA* 905-318-3800. 1313_KIMRI_2_0031

693 CEDAR AVENUE - BURLINGTON

$1

,46

5,0

00

LOT 7...To be built by Scarlett Homes, Kingston II model. Approx 2557 sq. ft., 4 bedrooms, 2.5 baths, main fl oor family room with gas fi replace, maple kitchen cabinets, granite countertops, crown moulding, pots/

pan drawer, hardwood fl oors 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. 1513_KIMRI_0031


$4

19

,90

0

$4

09

,90

0

AVAILABLE IMMEDIATELY

$4

22

,90

0



13

RHH_1313.indd 13 4/11/13 4:48:12 PM

buyingandselling

First-time homebuyers showing their rational side Genworth Canada releases results of homeownership study

According to a national survey conducted by Genworth Financial Mortgage Insurance Company Canada (Genworth

Canada), first-time homebuyers are adjusting to the new mortgage requirements and making informed choices about homeownership.

The annual poll, completed in conjunction with the Canadian Association of Credit Counselling Services (CACCS), asked 1,514 Canadians questions about their financial well-being and preparedness. The 2013 survey revealed that there was a significant rise in the number of recent first-time buyers who say they put down more than 20 per cent on their homes (56 per cent vs. 36 per cent in the 2012 survey). In fact, the number of people that said it is getting harder to save for that down payment is on the decline (50 per cent vs. 55 per cent in 2012) with more first-time buyers finding it easier to save money nine per cent, up from five per cent in 2012). In addition, only 17 per cent of respondents thought it was a good time to buy, suggesting that low interest rates alone are not enough to entice Canadians to purchase a home.

“Canadians entering the real estate market are making financially astute choices by saving longer and putting down larger deposits on their homes,” said Brian Hurley, Chairman and CEO of Genworth Canada. “They continue to value homeownership and are being responsible about the way they enter into mortgage debt. This trend bodes well for a soft-landing of the housing market.”

Among first-time homebuyers, the proportion saving for less than two years has decreased by nearly 30 per cent, while the proportion saving for more than five years rose by more than 50 per cent. This appears to indicate that fewer first-time homebuyers feel a sense of urgency about entering the real estate market, which is consistent with the fact that fewer expect house prices to rise in the next twelve months.

“There is still a strong need for Canadians to have a better grasp on their financial situation,” said Henrietta Ross, CEO of CACCS. “More than 40 per cent don’t think their credit rating reflects them or don’t know what their credit rating is. Counselling could help ensure they are financially prepared to enter and maintain substantial investments, such as homeownership.”

The interviews were conducted by Environics Research Group using an online methodology during the week of February 11-19, 2013.

Genworth MI Canada Inc. (TSX: MIC) through its subsidiary, Genworth Financial Mortgage Insurance Company Canada (Genworth Canada), is the largest private residential mortgage insurer in Canada. The Company provides mortgage default insurance to Canadian residential mortgage lenders, making homeownership more accessible to first-time homebuyers. Genworth Canada differentiates itself through superior customer service, a robust risk management framework and innovative processing technology. For almost two decades, Genworth Canada has supported the housing market by providing thought leadership and a focus on the safety and soundness of the mortgage finance system. As at December 31, 2012, Genworth Canada had $5.7 billion total assets and $3.0 billion shareholders’ equity. Find out more at www.genworth.ca.

The Canadian Association of Credit Counselling Services (CACCS) represents a Canada-wide network of accredited, not-for-profit agencies and affiliates offering preventative education and confidential services to clients experiencing financial difficulties. With a focus on financial counselling education, accreditation of agencies and certification of Financial Counsellors, CACCS is also committed to national research and policy initiatives concerning personal finance and industry advocacy.

To find a certified Credit Counsellor and qualified Financial Coach at an accredited Member Agency, call the CACCS central referral service at 1-800-263-0260 or visit www.caccs.ca for more information.




Rare fi nd 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. Priced at only $569,000.

Call Gabriel Riverso at 905-545-1188, Toll free 1-800-563-6257 Virtual Tour at [email protected]

ONE OF A KIND!!! WEST OF ANCASTER!!

1513_KIMRI_1_0044

“Discover the Difference”www.gabrielriverso.com

Escarpment Realty Inc., BrokerageIndependently Owned & Operated

11268797_1513

Gabriel RiversoBroker


905-545-1188

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 pie-shaped lot. Beautiful Florida sunroom. Totally fi nished lower level. Main fl oor family room. $359,000. Easy access to highway.

Call Gabriel Riverso at 905-545-1188, Toll free 1-800-563-6257 Virtual Tour at www.gabrielriverso.com

WALK TO EASTGATE SQUARE!!!

1513_KIMRI_1_0043

1513_KIMRI_1_0045

UNIQUE HOME!!! Custom built over 2100 sq. ft. of living area, plus over 2 acres lot. GREAT and UNIQUE energy effi cient “Blue Max” construction ranch style home. Super insulated (R40) steel reinforced concrete. Under fl oor radiant heating/air return system. Offers 3 bedrooms, a large living room and nice family size kitchen. There is tons of natural light & view from every window., asking $539,000. Come to view!!!

Call Gabriel Riverso at 905-545-1188, Toll free 1-800-563-6257 Virtual Tour at gabrielriverso.com

MINUTES TO ANCASTER!!!

1513_KIMRI_2_0044

SOLD!SOLD!LET’S SELL YOURS!!LET’S SELL YOURS!!

RHH_1313.indd 14 4/11/13 4:48:13 PM

buyingandselling

First-time homebuyers showing their rational side Genworth Canada releases results of homeownership study

According to a national survey conducted by Genworth Financial Mortgage Insurance Company Canada (Genworth

Canada), first-time homebuyers are adjusting to the new mortgage requirements and making informed choices about homeownership.

The annual poll, completed in conjunction with the Canadian Association of Credit Counselling Services (CACCS), asked 1,514 Canadians questions about their financial well-being and preparedness. The 2013 survey revealed that there was a significant rise in the number of recent first-time buyers who say they put down more than 20 per cent on their homes (56 per cent vs. 36 per cent in the 2012 survey). In fact, the number of people that said it is getting harder to save for that down payment is on the decline (50 per cent vs. 55 per cent in 2012) with more first-time buyers finding it easier to save money nine per cent, up from five per cent in 2012). In addition, only 17 per cent of respondents thought it was a good time to buy, suggesting that low interest rates alone are not enough to entice Canadians to purchase a home.

“Canadians entering the real estate market are making financially astute choices by saving longer and putting down larger deposits on their homes,” said Brian Hurley, Chairman and CEO of Genworth Canada. “They continue to value homeownership and are being responsible about the way they enter into mortgage debt. This trend bodes well for a soft-landing of the housing market.”

Among first-time homebuyers, the proportion saving for less than two years has decreased by nearly 30 per cent, while the proportion saving for more than five years rose by more than 50 per cent. This appears to indicate that fewer first-time homebuyers feel a sense of urgency about entering the real estate market, which is consistent with the fact that fewer expect house prices to rise in the next twelve months.

“There is still a strong need for Canadians to have a better grasp on their financial situation,” said Henrietta Ross, CEO of CACCS. “More than 40 per cent don’t think their credit rating reflects them or don’t know what their credit rating is. Counselling could help ensure they are financially prepared to enter and maintain substantial investments, such as homeownership.”

The interviews were conducted by Environics Research Group using an online methodology during the week of February 11-19, 2013.

Genworth MI Canada Inc. (TSX: MIC) through its subsidiary, Genworth Financial Mortgage Insurance Company Canada (Genworth Canada), is the largest private residential mortgage insurer in Canada. The Company provides mortgage default insurance to Canadian residential mortgage lenders, making homeownership more accessible to first-time homebuyers. Genworth Canada differentiates itself through superior customer service, a robust risk management framework and innovative processing technology. For almost two decades, Genworth Canada has supported the housing market by providing thought leadership and a focus on the safety and soundness of the mortgage finance system. As at December 31, 2012, Genworth Canada had $5.7 billion total assets and $3.0 billion shareholders’ equity. Find out more at www.genworth.ca.

The Canadian Association of Credit Counselling Services (CACCS) represents a Canada-wide network of accredited, not-for-profit agencies and affiliates offering preventative education and confidential services to clients experiencing financial difficulties. With a focus on financial counselling education, accreditation of agencies and certification of Financial Counsellors, CACCS is also committed to national research and policy initiatives concerning personal finance and industry advocacy.

To find a certified Credit Counsellor and qualified Financial Coach at an accredited Member Agency, call the CACCS central referral service at 1-800-263-0260 or visit www.caccs.ca for more information.

Rare fi nd 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. Priced at only $569,000.

Call Gabriel Riverso at 905-545-1188, Toll free 1-800-563-6257 Virtual Tour at [email protected]

ONE OF A KIND!!! WEST OF ANCASTER!!

1513_KIMRI_1_0044

“Discover the Difference”www.gabrielriverso.com


11268797_1513



905-545-1188

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 pie-shaped lot. Beautiful Florida sunroom. Totally fi nished lower level. Main fl oor family room. $359,000. Easy access to highway.

Call Gabriel Riverso at 905-545-1188, Toll free 1-800-563-6257 Virtual Tour at www.gabrielriverso.com

WALK TO EASTGATE SQUARE!!!

1513_KIMRI_1_0043

1513_KIMRI_1_0045

UNIQUE HOME!!! Custom built over 2100 sq. ft. of living area, plus over 2 acres lot. GREAT and UNIQUE energy effi cient “Blue Max” construction ranch style home. Super insulated (R40) steel reinforced concrete. Under fl oor radiant heating/air return system. Offers 3 bedrooms, a large living room and nice family size kitchen. There is tons of natural light & view from every window., asking $539,000. Come to view!!!

Call Gabriel Riverso at 905-545-1188, Toll free 1-800-563-6257 Virtual Tour at gabrielriverso.com

MINUTES TO ANCASTER!!!

1513_KIMRI_2_0044

SOLD!SOLD!LET’S SELL YOURS!!LET’S SELL YOURS!!



15

RHH_1313.indd 15 4/11/13 4:48:13 PM

Escarpment Realty Inc., BrokerageIndependently owned and operated

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

(905) 575-5478

Call Peter today for more information on any of these listings...**Not intended to solicit properties currently listed for sale.

E-mail: [email protected] Website: www.vandendool.com“Inducted in 2005”2003-20102011 2010

VANDENDOOLPeter


1127

1124

_151

3

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. 1313_KIMRI_4_0043

INCREDIBLE LAKE FRONT PORT DOVER

1313_KIMRI_2_0058

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.

1313_KIMRI_2_0047

EDWARDS CUSTOM HOMES, JARVIS $299,900

Custom built all brick ranch just minutes south of Caledonia. Unique rural commercial zoning offers a long list of possibilities. The unique layout of the home offers a 23 x 20 hobby room which could easily be used for the commercial portion of the home. Features an oversized double garage, oak kitchen, 2 fireplaces, main floor family room and a formal living room. Offers tremendous value.

1313_KIMRI_3_0049

ONEIDA RESIDENTIAL & COMMERCIAL $359,900Fantastic 4 bedroom home finished from top to bottom. Located on a quiet Caledonia St. offering a main floor family and laundry room, professionally finished lower level features a large rec-room, 3 piece bathroom and an additional bedroom. Outside there is concrete drive and patio and an extra deep pool sized lot.

1313_KIMRI_1_0050

4+1 BEDROOM HOME CALEDONIA $334,900Beautifully 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. 1313_KIMRI_1_0051

IMMEDIATE POSSESSION PORT DOVER $279,990

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.

1313_KIMRI_2_0052

LUXURY TOWNHOUSE PORT DOVER $238,803Stunning 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.

1313_KIMRI_1_0053

END UNIT PORT DOVER $247,468Totally 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. 1513_KIMRI_0059

NEW LISTING HAMILTON $269,900

SOLD



(905) 575-5478



VANDENDOOLPeter


1127

0380

_151

3

Desirable modern bungalow approximately 1,400 sq. ft. Features 1 1/2 bathrooms, 2 bedrooms, double garage, main floor laundry room and family room. Unique layout has a large eat-in kitchen, patio doors to deck, double garage and a concrete drive. Updates include furnace 09 and shingles 11. Quick possession possible. 1513_KIMRI_2_0045

DESIRABLE BUNGALOW, CALEDONIA $279,900Oversized 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.

1513_KIMRI_1_0046

ALMOST NEW HAGERSVILLE $312,900Stunning 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. 1313_KIMRI_1_0001

STUNNING 2 YEAR NEW HOME $409,900

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.

1313_KIMRI_1_0002

COUNTRY LIVING $279,900Prime commercial space in Caledonia’s newest plaza. Offers 1870 sq. ft. of space and ample parking. . A perfect location for a professional office or store.

1313_KIMRI_1_0055

PRIME COMMERCIAL CALEDONIATo 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 pie- shaped court lot. 1313_KIMRI_2_0056

SIMILAR TO BE BUILT, PORT DOVER $378,990

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. 1313_KIMRI_2_0057

TO BE BUILT PORT DOVER $303,990Fantastic 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. Additionalyy the owner will stub the sewer line into the potential lot. 1313_KIMRI_1_0046

INVESTMENT PROPERTY MOUNT HOPE $499,900Desirable 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.

1513_KIMRI_0058

NEW LISTING CALEDONIA $365,000




RHH_1313.indd 16 4/11/13 4:48:14 PM



(905) 575-5478



VANDENDOOLPeter


1127

1124

_151

3

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. 1313_KIMRI_4_0043

INCREDIBLE LAKE FRONT PORT DOVER

1313_KIMRI_2_0058

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.

1313_KIMRI_2_0047

EDWARDS CUSTOM HOMES, JARVIS $299,900

Custom built all brick ranch just minutes south of Caledonia. Unique rural commercial zoning offers a long list of possibilities. The unique layout of the home offers a 23 x 20 hobby room which could easily be used for the commercial portion of the home. Features an oversized double garage, oak kitchen, 2 fireplaces, main floor family room and a formal living room. Offers tremendous value.

1313_KIMRI_3_0049

ONEIDA RESIDENTIAL & COMMERCIAL $359,900Fantastic 4 bedroom home finished from top to bottom. Located on a quiet Caledonia St. offering a main floor family and laundry room, professionally finished lower level features a large rec-room, 3 piece bathroom and an additional bedroom. Outside there is concrete drive and patio and an extra deep pool sized lot.

1313_KIMRI_1_0050

4+1 BEDROOM HOME CALEDONIA $334,900Beautifully 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. 1313_KIMRI_1_0051

IMMEDIATE POSSESSION PORT DOVER $279,990

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.

1313_KIMRI_2_0052

LUXURY TOWNHOUSE PORT DOVER $238,803Stunning 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.

1313_KIMRI_1_0053

END UNIT PORT DOVER $247,468Totally 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. 1513_KIMRI_0059

NEW LISTING HAMILTON $269,900

SOLD



(905) 575-5478



VANDENDOOLPeter


1127

0380

_151

3

Desirable modern bungalow approximately 1,400 sq. ft. Features 1 1/2 bathrooms, 2 bedrooms, double garage, main floor laundry room and family room. Unique layout has a large eat-in kitchen, patio doors to deck, double garage and a concrete drive. Updates include furnace 09 and shingles 11. Quick possession possible. 1513_KIMRI_2_0045

DESIRABLE BUNGALOW, CALEDONIA $279,900Oversized 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.

1513_KIMRI_1_0046

ALMOST NEW HAGERSVILLE $312,900Stunning 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. 1313_KIMRI_1_0001

STUNNING 2 YEAR NEW HOME $409,900

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.

1313_KIMRI_1_0002

COUNTRY LIVING $279,900Prime commercial space in Caledonia’s newest plaza. Offers 1870 sq. ft. of space and ample parking. . A perfect location for a professional office or store.

1313_KIMRI_1_0055

PRIME COMMERCIAL CALEDONIATo 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 pie- shaped court lot. 1313_KIMRI_2_0056

SIMILAR TO BE BUILT, PORT DOVER $378,990

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. 1313_KIMRI_2_0057

TO BE BUILT PORT DOVER $303,990Fantastic 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. Additionalyy the owner will stub the sewer line into the potential lot. 1313_KIMRI_1_0046

INVESTMENT PROPERTY MOUNT HOPE $499,900Desirable 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.

1513_KIMRI_0058

NEW LISTING CALEDONIA $365,000



17

RHH_1313.indd 17 4/11/13 4:48:14 PM

It’s time to end the winter hibernating and revitalize your home for another busy spring and summer season. As you plan the spring cleaning, consider using the opportunity to think about how to improve your home’s

energy efficiency. There are some cleaning tasks that will help save energy and money. Dave Walton, a resident expert at Direct Energy, shares some practical tips guaranteed to help you get your home in shape, while saving money:

›› Examine windows and insulation. Up to 30 per cent of a home’s heating and cooling costs can be lost through poorly fitted windows and doors. Caulking and weather stripping or upgrading to new energy efficient windows can save homeowners approximately $150 per year on their energy bill.

›› Don’t forget about the light bulbs. When replacing them, remember that an energy-saving light bulb can last up to 10 times longer than a normal bulb and use up to 75 per cent less energy. You’ll save yourself some money and won’t have to worry about this regular chore.

›› Remember your filters. Replacing or washing your furnace filters allows a central air conditioning system to run more efficiently too. Clogged filters mean your furnace motor has to work harder, which eats up more energy. Filters should be washed or replaced every three months (some are 30 days), so start by making this part of your spring-cleaning routine. Try adding a reminder to your calendar for the first day of each quarter.

›› Consult the experts. Consider booking a pre-summer maintenance with a licensed technician who can make sure your air conditioner is summer-ready and able to perform more efficiently when higher temperatures put it to the test.

Additional energy-efficient tips can be found online at www.davescorner.ca. www.newscanada.com. NC

yourhome

Make your home energy efficient this spring

As you plAn the spring cleAning, consider using the opportunity to think About how to improve your home’s energy efficiency.




RHH_1313.indd 18 4/11/13 4:48:16 PM



19

9189934_1513

Westdale 905.522.3300Ancaster 905.648.6800Locke St. 905.529.3300

* Denotes Sales Representative **Denotes Broker

Well kept 1 1/2 storey, 3+1 bedroom home in please East Hamilton neighbourhood, perfect for a young or extended family. No line ups in this home with a bathroom on every floor and a 2nd kitchen in the upper level!

GREAT VALUE!!

1513_KIMRI_0001

$219

,900

Call Shelley Pritchard * at 905.648.6800 or email [email protected]

Beautifully maintained 2 storey Georgian home. Large principle 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 "cooks" kitchen. Great home for entertaining and large family. Move-in ready.

1513_KIMRI_0002

$949

,000

Call Yolanda Czyzewski-Bragues* at 905.648.6800 or email [email protected]

Beautiful 2 + 2 bedroom home with fabulous modern eat-in kitchen on spacious lot. Warm and inviting, featuring hardwood floors, wood burning fireplace and separate dining room.

DESIRABLE DUNDAS BUNGALOW

1513_KIMRI_0003

$369

,000

Call Wendy Gruppe * at 905.648.6800 or email [email protected]

Lovingly maintained, this custom built brick bungalow in neutral decor offers extras galore; this home offers 3+2 bed, 3 bath, 6 walk-outs from both levels, 2 eat-in kit, 2 fireplaces, main floor den, rec room, office, hobby & plenty of other spaces to personalize.

ROCKWOOD BUNGALOW ON RAVINE LOT!

1513_KIMRI_0004

$450

,000

Call Janice Rocchi * at 905.648.6800 or email [email protected]

Quaint and Romantic depicts this warm and inviting 3 bedroom home nestled on the banks of the Grand River. Enjoy a storybook view of the town of Paris while you relax by the water. Featuring hardwood floors, renovated bath and kitchen, newer windows, doors, shingles and gas furnace. Just minutes from the 403.

PARIS

1513_KIMRI_0005

$189

,900

Call Tony Ascroft * at 905.648.6800 or email [email protected]

You've Got To Be Kidding! No, you can buy a large open concept house with 4 bdrms, 4 baths, full size 2 car garage, and a large family room in basement with walk out on a large lot just $485,900! Visit goo.gl/H6RLi to view the virtual tour.

BRANTFORD CUSTOM BUILT!

1513_KIMRI_0006

$485

,900

Call Tony Ascroft * at 905.648.6800 or email [email protected]

Luxury townhome in Valley Heights with spectacular conservation views and the Bruce Trail at your doorstep. Wide plank espresso oak hardwood & gas FP with custom mantle & granite surround in Great Room. Dream Maple kitchen with granite & glass backsplash & breakfast bar. Large master with walk-in closet + 2nd floor laundry.

DUNDAS CONDO

1513_KIMRI_0007

$379

,900

Call Andrew Karpavicious * at 905.522.3300 or email [email protected]

Right in the middle of everything. McMaster U, Innovation Park and Westdale Village are only a few steps away. Hardwood floors under most carpet, updated electrical, newer furnace, stained glass windows, original wood trim.

WESTDALE LOCATION

1513_KIMRI_0008

$369

,900

Call Andrew Karpavicius * at 905.522.3300 or email [email protected]

Reno'd from top to bottom; this wonderful Burlington home has a chic, modern decor. Featuring an open concept, heated tile floors, finished basement and hot tub. Spacious landscaped lot with pool, in a great family neighbourhood, close to Hwy's, schools, parks and shopping. A must see!

GREAT FAMILY NEIGHBOURHOOD

1513_KIMRI_0009

$414

,584

Call Richard Maclean * at 905.522.3300 or email [email protected]

RHH_1313.indd 19 4/11/13 4:48:16 PM




1024

5410

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3

REAL ESTATE ANDINSURANCE LTD. BROKERAGE

[email protected] line: 905-746-7746

Proud Sponsor of Mac Kids Miracle Club!CALL TODAY! 905.547.3553

Service Isn’t Expensive. It ’s PricelessWWW.BOJANK ATANIC.GOLDBOOK.CA

Located in West Hamilton. Minutes to Downtown core. Dundurn Castle, schools, hwy access. Top fl oor, with over sized balcony and view of Lake Ontario. Spacious 1 bdrm currently tenanted for $882/month. Huge living room, in suite laundry, underground parking and much more. 5 appls included. Great buy.

BojanBojanK A T A N I C

BROKER

www.Megna.com

“Professionalism, Integrity & Honesty”

Bright and spacious 2 bedroom condo with over sized balcony, located in East End, near schools, public transportation, shopping, hwy access, etc. Unit features updated laminate fl ooring and tiles in the kitchen, baseboards, bath and some interior doors. This move in ready unit/building features in ground pool, tennis court, lot of parking space, 2 elevators, security, etc. Please call today to view this care free living, before it is gone. Cheaper than rent.

EAST HAMILTON 2 BEDROOM CONDO

1113_KIMRI_5000

WEST HAMILTON 1 BEDROOM CONDO

1113_KIMRI_5001

2+3 bdrm single detached home with great income, located approx 500 m from McMaster U. Fully rented until Apr 2013. Recent, furnace, hydro panel, range hood, kitchen. Separate side entrance for easy access to the bsmt. For rental info please contact listing agent.

WEST HAMILTON BUNGALOW

1113_KIMRI_5002

Located outside Niagara Escarpment and Greenbelt. Build your dream home on approx 93 acres farm. Approx 80 acres of workable land currently rented, 13 acres of bush. Road allowance is separating farm in two parcels. 20 acres natural severance, and 73 acres possible fi ll in lot severance. Rear fronts on road allowance as well. Single detached home with separate entrance to the basement currently rented. Updated shingles, windows, fl ooring, bathrom, furnace, panel and much more. Huge workshop and barn. Minutes to downtown Grimsby.

GRIMSBY 93 ACRES FARM

1113_KIMRI_5003

SOLD

SOLDSOLD$127,746

Located by McMaster University on quiet crescent backing onto green/bush space. This bungalow offers you extra deep lot (152), 1 1/2 detached garage, 3 separate entrcs to the house, extra long driveway up to 4 cars, full brick, 3+3 bedrooms, 2 full bathrooms, 2 kitchens, 2 living rooms, newer laminate fl ooring.

WEST HAMILTON NEAR MCMASTER U

1113_KIMRI_5004

Corner lot, sngl detached home located in desired Orchard area, with walking distance to schools and shopping. Beautiful large eat-in kitch, with walk out to fenced byard. Hardwood fl r in drm, lrm, fully fi nished bsmt, double concrete driveway, 3 good size bdrm, mbdrm with insuite and w/i closet, ss apls, quiet neighbourhood, and etc. New listing.

BURLINGTON ORCHARD AREA

1513_KIMRI_2_0039

$484,900

SOLD

*Not intended to solicit clients currently under contract.

www.facebook.com/afriendinrealestate “LIKE” me on Facebook

11230193_1513

Andrea Maddox SaLES REpRESEntatIvE

905-574-4600 [email protected]

State Realty BrokerageIndependently Owned & Operated

1 storey brick home with garage. 2 bedrooms. Attractive kitchen with maple cabinets and ceramic floors. Hardwood floors. Updated furnace & c/air. Large lot is 150’ deep. Convenient location close to shopping.

CENTRAL MOUNTAIN

1513_KIMRI_0043

Great value! 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. $169,900.

WEST MOUNTAIN

1513_KIMRI_0044

Fabulous West Mountain location! 4 level backsplit on deep 143’ lot. Kitchen overlooks familyrm w/walkout to beautiful backyard. Pool and patio for your summer enjoyment.

$369,900

1513_KIMRI_0045

RHH_1313.indd 20 4/11/13 4:48:17 PM



21

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DREAM HOMES

HSTIncluded

Visit Our Model Home or View at www.zeinahomes.ca

Model Home

Fabulous West Mountain LocationUpper Paradise - South of Rymal Rd.

1126

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_151

3

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Specializing in Custom New Homes

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or by appt.*Prices quoted are for Hamilton Area

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905.574.3038Homelife Macro Realty Inc. Brokerage Independently Owned & Operated


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Welcome Home! Approx 2100 sqft, 4 bedrm open concept Losani with tons of upgrades. Features hardwood, pot lights and fireplace in great room. Gorgeous kitchen with granite, upgraded marble cabinets and large pantry. Berber carpet with underpad on bedrm level and upgraded “wood” trim. Ensuite w/corner soaker tub, oak staircase, upgraded trim package thru-out, c/air, bathroom rough-in in bsmnt, large pergola deck and so much more! Act quick on this one!

OPEN HOUSE: SUN APRIL 14TH 2-4 PM

12 WINNERS WAY - BINBROOK

Escarpment Realty, BrokerageIndependently Owned & Operated

Welcome Home!sqft, 4 bedrm open concept Losani with tons of upgrades. Features hardwood, pot lights and fireplace in great room. Gorgeous kitchen with granite, upgraded marble

1513_KIMRI_0040

905-545-1188

RHH_1313.indd 21 4/11/13 4:48:18 PM

slate has to be wrapped in moving blankets. At Two Men and a Truck - Canada, we also stretch wrap them so we can get a better grip. The slate pieces should not be laid flat in the truck, as being jostled during the trip will create stress points that could cause cracks. The slate pieces should be secured vertically at the sides of the truck and should not come into contact with anything else during transport.

When it’s time to eassemble the table at the other end, it’s important to realize just how heavy it is and place the sections of it carefully, realizing that its weight can have an effect on floor-bearing capacity. Ideally, pool tables should go into a basement on a concrete floor.

{Pianos}It takes a minimum of three people to move a piano. The process begins with removing the pedal system, which must happen in a systematic way for the number of bolts that hold it onto the instrument. Pad wrap everything with moving blankets and stretch wrap each piece for added protection.

The process for dismantling the rest of the piano depends on the type. Usually, one leg has to be lifted and unbolted to come off. We leave the bolting system attached and pad wrap & stretch wrap each leg so nothing is lost. At this point, we lower the piano gently on its side onto a special piano sled. Then, we remove the second leg while at least two people are supporting the piano. At this point, we

shift the piano to the upright position at the edge of the sled, which has an indentation to accommodate the lid overlap so the piano does not touch the floor. It sits on a cushioned blanket and secured to the sled to prevent pressure points while being moved. Then it becomes easy to remove the final leg.

We pad wrap and stretch wrap the piano body, then ease it onto a special dolly and wheel it out the door. The piano should remain on the dolly, which becomes part of it during transport. We strap it to the side wall of the truck, halfway between the two wheel bases, for the least amount of jostling. Once it is reassembled in the new home, it is critical that the owners have the instrument retuned, as there will be some unavoidable changes from the move.

Whether it is a pool table or piano, consider hiring a professional moving company to transport items such as pool tables and pianos. Neither you nor an inexperienced mover should be learning the process while handling your large, bulky possessions.

dan Hopkins is chief operating officer, Two men and a Truck canada. twomenandatruck.ca

WHen iT’s Time Toreassemble THe Table aT THe oTHer end, iT’s imporTanT To realize jUsT HoW Heavy iT is and place THe secTions of iT carefUlly, realizing THaT iTs WeigHT can Have an effecT on floor-bearing capaciTy. When it comes to moving households, handling large,

bulky items is a challenge, especially if you decide to do it yourself. Here are a few tips that can help:

{Pool Tables}A pool table must be disassembled before moving it. Depending on the age of the table, you may or may not have the original documentation on how it was put together and how to take it apart. Usually, the side rails and pockets come off, and the felt must be carefully removed.

Depending on the size of the table, it will be composed of up to three large, heavy pieces of slate that comprise the playing surface. These slate surface pieces are often held into place on the frame with screws covered with bees wax. You have to know to look for these; otherwise you can do damage. Each section of

How to move pianos and pool tables safelyb y Da n H o p k i n s

makeyourmove

THe process for dismanTling THe resT of THe piano depends on THe Type. UsUally, one leg Has To be lifTed and UnbolTed To come off.




RHH_1313.indd 22 4/11/13 4:48:20 PM

slate has to be wrapped in moving blankets. At Two Men and a Truck - Canada, we also stretch wrap them so we can get a better grip. The slate pieces should not be laid flat in the truck, as being jostled during the trip will create stress points that could cause cracks. The slate pieces should be secured vertically at the sides of the truck and should not come into contact with anything else during transport.

When it’s time to eassemble the table at the other end, it’s important to realize just how heavy it is and place the sections of it carefully, realizing that its weight can have an effect on floor-bearing capacity. Ideally, pool tables should go into a basement on a concrete floor.

{Pianos}It takes a minimum of three people to move a piano. The process begins with removing the pedal system, which must happen in a systematic way for the number of bolts that hold it onto the instrument. Pad wrap everything with moving blankets and stretch wrap each piece for added protection.

The process for dismantling the rest of the piano depends on the type. Usually, one leg has to be lifted and unbolted to come off. We leave the bolting system attached and pad wrap & stretch wrap each leg so nothing is lost. At this point, we lower the piano gently on its side onto a special piano sled. Then, we remove the second leg while at least two people are supporting the piano. At this point, we

shift the piano to the upright position at the edge of the sled, which has an indentation to accommodate the lid overlap so the piano does not touch the floor. It sits on a cushioned blanket and secured to the sled to prevent pressure points while being moved. Then it becomes easy to remove the final leg.

We pad wrap and stretch wrap the piano body, then ease it onto a special dolly and wheel it out the door. The piano should remain on the dolly, which becomes part of it during transport. We strap it to the side wall of the truck, halfway between the two wheel bases, for the least amount of jostling. Once it is reassembled in the new home, it is critical that the owners have the instrument retuned, as there will be some unavoidable changes from the move.

Whether it is a pool table or piano, consider hiring a professional moving company to transport items such as pool tables and pianos. Neither you nor an inexperienced mover should be learning the process while handling your large, bulky possessions.

dan Hopkins is chief operating officer, Two men and a Truck canada. twomenandatruck.ca

WHen iT’s Time Toreassemble THe Table aT THe oTHer end, iT’s imporTanT To realize jUsT HoW Heavy iT is and place THe secTions of iT carefUlly, realizing THaT iTs WeigHT can Have an effecT on floor-bearing capaciTy.



23

RHH_1313.indd 23 4/11/13 4:48:21 PM

view our magazines

anYTime

DigiTaL DeviCe

on anY

Now you can view all of Wall2Wall Media’s publications online, anytime, using your mobile, PC or tablet

resaleHomesandCondoguide.caPublished by




your guide to the hottest real estate in hamilton

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Sunday Mornings at 9:30

visit us online at facebook.com/listedtv

SOLDSOLD

SOLDSOLD

LISTED tv Ad.indd 1 05/04/2012 4:34:41 PM

11271827_1513

11273580_1513

Sales Representative - Seniors Real Estate Specialist

MVA Residential Appraiser

Since 2005

2005

2000 - 2009


905.545.1188 1.800.567.6257

For the BIG SCOOP visit www.DYNAMO1.caMonthly Newsletters • Blog • Community Link

Visit Joyce’s Award Winning Website: www.Dynamo1.ca

Education & ExperienceS.R.E.S. (Seniors Real Estate Specialist)

MVA Residential Appraiser’s DesignationNote: Only 1% of Sales Representatives have earned this distinction!

Sophisticated Listing & Marketing Presentation

Mission Statement: Plan the Work & Work the Plan

Open HousesPersonally hosted with ambiance of fresh � owers,

sweet treats, scented candles & mood music

Supports the Children’s Miracle Network

McMaster Children’s Hospital • Heart & Stroke Juravinski Breast Cancer Clinic

Highest Accolades in the IndustryRe/Max Platinum Club Re/Max Hall of Fame

Buyers AlertBe treated like Royalty with your customized Home Buyers

Package & Personalized Prospecting Email Program

Real Estate Retirement CareerProudly & Personally serving clients in Hamilton &

surrounding areas for almost 2 decades

Loves “Doing the Deal ”When Working for Sellers, Buyers, or both (double ends)

Dedicated & Confi dentFrom beginning to end, fuelled by the desire to

succeed on behalf of her clients

Not intended to solicit properties or persons currently under contractual agreement.

“Dynamo With A Heart”

www.dynamo1.ca

Accredited Seniors AgentASA WE’VE EARNED OUR STRIPES

JoyceO’Donnell

Whether Buying or Selling... Make Your Move with Joyce

RHH_1313.indd 24 4/11/13 4:48:24 PM

11273580_1513

Sales Representative - Seniors Real Estate Specialist

MVA Residential Appraiser

Since 2005

2005

2000 - 2009


905.545.1188 1.800.567.6257

For the BIG SCOOP visit www.DYNAMO1.caMonthly Newsletters • Blog • Community Link

Visit Joyce’s Award Winning Website: www.Dynamo1.ca

Education & ExperienceS.R.E.S. (Seniors Real Estate Specialist)

MVA Residential Appraiser’s DesignationNote: Only 1% of Sales Representatives have earned this distinction!

Sophisticated Listing & Marketing Presentation

Mission Statement: Plan the Work & Work the Plan

Open HousesPersonally hosted with ambiance of fresh � owers,

sweet treats, scented candles & mood music

Supports the Children’s Miracle Network

McMaster Children’s Hospital • Heart & Stroke Juravinski Breast Cancer Clinic

Highest Accolades in the IndustryRe/Max Platinum Club Re/Max Hall of Fame

Buyers AlertBe treated like Royalty with your customized Home Buyers

Package & Personalized Prospecting Email Program

Real Estate Retirement CareerProudly & Personally serving clients in Hamilton &

surrounding areas for almost 2 decades

Loves “Doing the Deal ”When Working for Sellers, Buyers, or both (double ends)

Dedicated & Confi dentFrom beginning to end, fuelled by the desire to

succeed on behalf of her clients

Not intended to solicit properties or persons currently under contractual agreement.

“Dynamo With A Heart”

www.dynamo1.ca

Accredited Seniors AgentASA WE’VE EARNED OUR STRIPES

JoyceO’Donnell

Whether Buying or Selling... Make Your Move with Joyce



25

RHH_1313.indd 25 4/11/13 4:48:25 PM

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 these guidelines:

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. NC

homebuyingtips

More than ever before, first-time homebuyers are considering housing affordability.

Top tips for first-time homebuyers

“

DeterMine the factors essential to you in a hoMe anD which ones you May be able to live without.

www. rahb. ca8477700_1513




RHH_1313.indd 26 4/11/13 4:48:30 PM

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 these guidelines:

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. NC

homebuyingtips

More than ever before, first-time homebuyers are considering housing affordability.

Top tips for first-time homebuyers

“

DeterMine the factors essential to you in a hoMe anD which ones you May be able to live without.



27

www. rahb. ca8477700_1513

RHH_1313.indd 27 4/11/13 4:48:34 PM

homebuyers’help

Homebuyers’ 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

Pick up any newspaper today and no one could blame you if you got a little worried about the state of the economy or the fear of a pending market correction in Canadian real estate. Are Canadians taking on too much debt? Have mortgage rules

gone too far? Is there a housing bubble about to burst? What if there is a market correction?

The real question is, do Canadian homeowners or prospective buyers need to be concerned? Every time there is talk about a market correction, the tone is quite negative. But let’s take a closer look at that situation: rather than argue about whether we may have a market correction, let’s analyze what it really means to Canadians if there is one.

First-time homebuyers:If you’re a first-time homebuyer, you have likely felt the pinch of the rising cost of housing, and the new mortgage rules certainly haven’t helped any either. So a slight market correction would be welcome news for you; you can still get into homeownership with only five per cent down, but since your maximum amortization is now limited to only 25 years, a drop in pricing is exactly what you’ll need to be able to get into this market. ConClusion: A market correction is a good thing for you.

Current homeowner buying or selling – moving up or downsizing:If you are a homeowner and you’re looking for the right time to sell your house so you can buy another, you may be concerned that the price of your current home is dropping. But, let’s assume the value of the house you are selling drops by 10 per cent. Let’s also assume that you plan to buy another home (whether upsizing or downsizing). Remember that the person selling their home to you is going through the exact same thing. In other words, if the value of your home dropped 10 per cent, so too did the value of the new home you are buying. Focus on what your bottom line “net” is, rather than what you thought or had hoped to sell your home for.ConClusion: The net effect of a market correction is likely zero.

Real estate investor or second-home buyer:If you are buying real estate as an investment, this is the perfect market condition for you. When there are more sellers than buyers, you have more bargaining power. If you are able to negotiate a better deal and pay a little less for the property you are looking for, it simply makes the deal that much more affordable.ConClusion: You should be hoping for a market correction.

Current homeowner with no plans to sell:The main reason we worry about a housing correction is the fear that it will

Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at [email protected]

b y p e t e r k i n c h

WHY YOU SHOULDN’T FRET OVER A

‘market correction’erode our home equity and net worth. A significant amount of net worth of Canadians is tied up in their home equity, which is the foundation for a lot of retirement plans – so there is obvious concern.

But should there be? For the majority of Canadians, the plan is to stay in their current house for at least the next three to five years. So here’s a simple fact: equity is only gained or lost the day you sell. In other words, if the value of your house were to drop by 10 per cent tomorrow, you may feel anxiety over the drop in your net worth – but it would only be on paper unless you actually sold your house tomorrow. If you have no intention of selling soon and you can still afford your monthly payments, then all you need to do is sit and wait until the market bounces back – which it has always done for the past 100 years.ConClusion: A market correction may very well have zero impact on you.

In the end, the headlines will continue to talk of impending market corrections. The key for you is to decipher one of three things: 1. Is this a real concern for you?2. Is this an opportunity? Or,3. Are you getting worked up about nothing?

Bottom line: a lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to.

themortgageminute




RHH_1313.indd 28 4/11/13 4:48:36 PM

homebuyers’help

Homebuyers’ 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

Pick up any newspaper today and no one could blame you if you got a little worried about the state of the economy or the fear of a pending market correction in Canadian real estate. Are Canadians taking on too much debt? Have mortgage rules

gone too far? Is there a housing bubble about to burst? What if there is a market correction?

The real question is, do Canadian homeowners or prospective buyers need to be concerned? Every time there is talk about a market correction, the tone is quite negative. But let’s take a closer look at that situation: rather than argue about whether we may have a market correction, let’s analyze what it really means to Canadians if there is one.

First-time homebuyers:If you’re a first-time homebuyer, you have likely felt the pinch of the rising cost of housing, and the new mortgage rules certainly haven’t helped any either. So a slight market correction would be welcome news for you; you can still get into homeownership with only five per cent down, but since your maximum amortization is now limited to only 25 years, a drop in pricing is exactly what you’ll need to be able to get into this market. ConClusion: A market correction is a good thing for you.

Current homeowner buying or selling – moving up or downsizing:If you are a homeowner and you’re looking for the right time to sell your house so you can buy another, you may be concerned that the price of your current home is dropping. But, let’s assume the value of the house you are selling drops by 10 per cent. Let’s also assume that you plan to buy another home (whether upsizing or downsizing). Remember that the person selling their home to you is going through the exact same thing. In other words, if the value of your home dropped 10 per cent, so too did the value of the new home you are buying. Focus on what your bottom line “net” is, rather than what you thought or had hoped to sell your home for.ConClusion: The net effect of a market correction is likely zero.

Real estate investor or second-home buyer:If you are buying real estate as an investment, this is the perfect market condition for you. When there are more sellers than buyers, you have more bargaining power. If you are able to negotiate a better deal and pay a little less for the property you are looking for, it simply makes the deal that much more affordable.ConClusion: You should be hoping for a market correction.

Current homeowner with no plans to sell:The main reason we worry about a housing correction is the fear that it will

Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at [email protected]

b y p e t e r k i n c h

WHY YOU SHOULDN’T FRET OVER A

‘market correction’erode our home equity and net worth. A significant amount of net worth of Canadians is tied up in their home equity, which is the foundation for a lot of retirement plans – so there is obvious concern.

But should there be? For the majority of Canadians, the plan is to stay in their current house for at least the next three to five years. So here’s a simple fact: equity is only gained or lost the day you sell. In other words, if the value of your house were to drop by 10 per cent tomorrow, you may feel anxiety over the drop in your net worth – but it would only be on paper unless you actually sold your house tomorrow. If you have no intention of selling soon and you can still afford your monthly payments, then all you need to do is sit and wait until the market bounces back – which it has always done for the past 100 years.ConClusion: A market correction may very well have zero impact on you.

In the end, the headlines will continue to talk of impending market corrections. The key for you is to decipher one of three things: 1. Is this a real concern for you?2. Is this an opportunity? Or,3. Are you getting worked up about nothing?

Bottom line: a lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to.

themortgageminute



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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

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

key players aBout tHe property

agent’s name:phone number:email: broker’s name:phone number:email: lawyer’s name:phone number:email: inspector’s name:phone number:email: reno expert’s name (1):phone number:email: reno expert’s name (2):phone number:email: nice to have:

deal breakers:

property:list price:property taxes/year: Neighbourhood closest main intersection:

elementary schools:high schools:hospitals:clinics:

shopping (supermarkets/malls):

banks:

public transportation:

closest highway:

distance from work/school:occupancy:heating: CoNdo amenities:

maintenance fees:




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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.

You love the home,

see what You can afford!

CalCulate your mortgage payments

total pre-tax inCome

monthly pre-tax inCome

spouse’s pre-tax inCome+ =

amount of mortgage(priCe – down payment)

divide by 3affordable

monthly payments

=

amortization amountChart figure

amount of mortgage

divided by 1,000x =

monthly payments

amortization amount

estimated monthly

taxes & heat+ =

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.

use this guide to see if You’ll qualifY for a mortgage oN Your dream home

5.00% 10.58 7.88 6.57 5.82 5.345.25% 10.70 8.01 6.74 5.96 5.495.50% 10.82 8.14 6.85 6.10 5.645.75% 10.94 8.27 6.98 6.25 5.796.00% 11.07 8.40 7.12 6.40 5.956.25% 11.19 8.53 7.26 6.55 6.116.50% 11.31 8.66 7.41 6.70 6.266.75% 11.43 8.80 7.55 6.85 6.427.00% 11.56 8.93 7.69 7.00 6.597.25% 11.68 9.07 7.84 7.16 6.757.50% 11.81 9.21 7.99 7.32 6.917.75% 11.94 9.34 8.14 7.47 7.088.00% 12.06 9.48 8.28 7.63 7.258.25% 12.19 9.62 8.44 7.79 7.428.50% 12.32 9.76 8.59 7.95 7.598.75% 12.45 9.90 8.74 8.12 7.769.00% 12.58 10.05 8.86 8.28 7.939.25% 12.71 10.19 9.05 8.45 8.10 9.50% 12.84 10.33 9.20 8.62 8.289.75% 12.97 10.48 9.36 8.78 8.4510.00% 13.10 10.63 9.52 8.95 8.6310.25% 13.24 10.77 9.68 9.12 8.8010.50% 13.37 10.92 9.84 9.29 8.9810.75% 13.50 11.06 10.00 9.46 9.1611.00% 13.64 11.22 10.16 9.63 9.3411.25% 13.77 11.36 10.32 9.80 9.5211.50% 13.91 11.52 10.49 9.97 9.70 11.75% 14.04 11.66 10.65 10.15 9.8812.00% 14.18 11.82 10.81 10.32 10.0612.25% 14.32 11.97 10.98 10.49 10.2512.50% 14.46 12.13 11.15 10.67 10.4312.75% 14.59 12.28 11.31 10.85 10.61

mortgage payment calculation cHart% 10 years 15 years 20 years 25 years 30 years



31

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ATB Financial 2.6 4 3.1 3.14 3.55 4.39 3.04 6.30op 6.30op 6.50op

Alterna Svgs/Alterna Bk 2.85 4 3.05 3.09 3.09 2.99 3.09 6.30op 6.30op

Bank of Montreal 3.1 4 3 3.04 3.55 4.54 3.09 6.30op 6.30op

Bank of Nova Scotia 3 4.55 3.75 2.69 3.99 2.99 4.99 6.45op 6.50op

Canadian Western Bank 4 3 3.04 3.55 4.54 5.14 6.45op 6.30op

CIBC 3.2 3 3.14 3.55 2.99 5.14 6.70op 6.35op

HSBC Bank Canada 3 4.45 2.7 3.95 2.98 4.99 3.49 6.20op 6.35op

ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 3.44

ING Direct 3 3 3 2.79 2.99 3.08

Laurentian Bank n/a 4.4 3.09 3.14 3.55 4.54 5.14 6.70op 6.30op

Manulife Bank 3 4.45 3 3.05 3.1 3.1 3.09 4.00op

MonCana Bank 2.79 2.79 2.79 2.89 2.99

National Bank n/a 4 3.1 3.14 3.55 4.54 3.39 6.70op 6.30op

President’s Choice Finan 3.2 3.2 3.24 3.35 3.44

Royal Bank 3 4 3 3.04 3.55 4.54 5.14 6.30op 6.30op

TD Canada Trust 3.2 3 3.04 3.55 4.54 5.14 6.30op

TRUST COMPANIES

AGF Trust n/a 2.99 3.1 3.5 3.64 3.09

Community Trust n/a 6.5 3.1 3.35 3.95 4.64 5.24

Effort Trust n/a 4.45 3.25 3.6 3.9 4.5 4.95 6.30op 6.30op

Home Trust Company 3.2 3.95 2.74 2.49 2.89 2.99 2.99

Investors Group Trust n/a 4 3 3.14 3.55 4.54 5.14 6.50op 6.30op

MTCC 3 4.55 3.75 2.69 3.99 2.99 4.99 6.45op 6.50op

OTHER FINANCIAL INSTITUTIONS

Airline Financial C.U. 4 2.99 3.25 3.29 3.09 3.49 6.25op

Comtech Credit Union 2.79 6.6 2.99 3.25 3.29 3.19 3.09 8.40op 9.00op

First National Fin. LP 3.95 2.74 2.69 2.79 2.99 2.99

FirstOntario C.U. 2.79 2.99 3.14 3.19 3.24 2.97 6.34op 6.34op

London Life n/a 4 3 3.14 3.55 4.54 5.14 6.50op 6.30op

MCAP 2.9 3.6 3.95 4.35 4.89 5.14 7.00op

Meridian Credit Union 2.85 4.45 3.1 3.14 3.7 2.98 3.19 6.30op

Parama Credit Union 2.9 3 3.05 3.15 3.25 3.4

Steinbach Credit Union 2.4 2.4 2.5 2.7 2.8 3

Teachers Credit Union 4 4.45 2.99 3.04 2.79 3.89 3.19 6.30op 6.50op

CHARTERED BANKS Variable 6 Months 1 Year 2 years 3 years 4 years 5 years

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 AVAILABLEApril 8, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700




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5G

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

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SOLDSOLD

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FINLEGAL GROUPWhere Finance and Law Meet

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Jacqueline MastrangeloSales Representative

AJ GhottraSales Representative

Jodi WoodardSales Representative

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- (CARLING STREET)RESIDENTIAL RENTAL - HAMILTON WEST

WALK TO MCMASTER, H3100492


Lynn VienneauBusiness Associate

Rick SharmaBroker

Reisha DassTeam Mnger/Sales Rep.

STATE REALTY BROKERAGEINDEPENDENTLY OWNED & OPERATED

Top 1% NationallyFOR ROYAL LEPAGE

2006-Present

7g

1127

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www.theoreillyteam.com 905.525.3737 1.877.648.4451

2010-2012 2011-2012

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

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

THE O’REILLY TEAM

DREAM HOME IN ANCASTER

This gorgeous 2+2 bedroom, 3 bathroom bungalow has over 3400 square feet of fi nished living space and sits on a mature 80x225 foot lot. Upgrades include a gourmet kitchen with granite countertops, wire brushed hardwood fl ooring, marble tiling, wainscotting, oversized baseboards, crown mouldings, vaulted/coffered ceilings, 100+ pot lights, 2 fi replaces with stone mantles, glass showers, a security system, expansive windows, skylights, and updated roof shingles/furnace/central air/plumbing/electrical. The lower level features 2 spacious bedrooms, a gorgeous 3 piece bath with a vessel sink, 2 separate recreation rooms and laundry facilities. This home offers a solid brick and stone exterior fi nish, 2 separate front entrances, sliding door at rear, a newly paved front drive, and professional landscaping with fl agstone. The attention to detail found in this home is outstanding!

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PRESTIGIOUS LOVERS LANE AREA OF ANCASTER

You will be amazed at this beautifully renovated and updated 4200+ square foot home on mature, treed 75’x158’ lot with inground pool. This stunning home is perfect for your large family. 4 spacious bedrooms, all with walk-in closets. Master with luxurious 5 piece ensuite bath, 2 other bedrooms share an ensuite and one more bathroom for the 4th bedroom. The main fl oor will WOW you! Eat-in kitchen with solid maple cabinetry, island, granite counters, built-in appliances and abundance of pot lights is open to huge sunken family room - the perfect place to entertain. The lower level is complete with kitchen, family room, 2 bedrooms and 2 bathrooms - a complete in-law set up. Loaded with upgrades throughout. Not to be missed.

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GORGEOUS BUNGALOFT IN GLANBROOK

This beautiful 3+1 bedroom, 3.5 bath bungaloft is situated in a quaint neighbourhood just minutes to the Meadowlands in Ancaster and shopping on Upper James. This home is just under 2000 square feet (plus a fully fi nished basement). Step through the front doors to an open foyer with dramatic vaulted ceilings, hardwood fl ooring throughout the main level, a formal dining room, main fl oor master bedroom with his/her closets and a 4 piece ensuite bath (Jacuzzi tub), spacious main fl oor family room with a gas fi replace, eat-in kitchen with breakfast bar, stainless steel kitchen appliances (all included), and sliding doors to an updated rear deck and no immediate rear neighbours - privacy plus! The upper level offers 2 spacious bedrooms, a 4 piece bath, and a loft area overlooking both the front foyer and main fl oor family room. The lower level is fully fi nished and offers an additional bedroom with a walk-in closet and a 3-pc ensuite bath, a huge rec. rm, gas fi replace, pot lighting throughout, a roughed-in kitchen (in-law potential), and an offi ce/den.

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ESCAPE TO LAKE ERIE

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 pristine 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, fl ooring, front/rear decks, rear fence, rear shed, furnace, water heater, propane fi replace, paved driveway, electrial panel and more. Taxes in 2012 were only $1472.74. Just a short walk to a private beach.

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*Not intended to solicit clients currently under contract.

www.facebook.com/afriendinrealestate“LIKE” me on Facebook

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Andrea Maddox

[email protected]

State Realty BrokerageIndependently Owned & Operated

SALES REPRESENTATIVE

Fabulous West Mountain location! 4 level backsplit on

deep 143’ lot. Kitchen overlooks familyrm w/walkout to beautiful

backyard. Pool and patio for your summer enjoyment.

$369,900

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Great value! 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.$169,900

WEST MOUNTAIN

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Escarpment Realty Inc., BrokerageIndependently owned & operated

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

(905) 628-WORK (9675)www.donnalavin.com

www.homesingoldenhorseshoe.com

Inducted in 200420042009ACCREDITED BUYER

REPRESENTATIVEACCREDITED

STAGING PROFESSIONAL

CALL DONNA LAVIN TODAY TO GET THIS SIGN ON YOUR LAWN!

* Not intended to solicit properties currently listed for sale

“Serving the real estate needs of the community since 1979.”

DONNA LAVINSales Representative

CA$H BUYERS Looking for homes in Dundas, West Hamilton and Flamborough!

Bright spacious and charming bunga-low offers 3 BRs. 2 baths, hardwood floors, cove ceilings, recent shaker kitchen with granite CT. fin. Rec. rm. and private property with beautiful per-ennial gardens! $ 419,900.00

1.5 Sty 3BR. 1.5 bath brick home single ga-rage, double drive, main floor master, Arts & Crafts eat in kitchen, formal dining room with beamed ceiling, sunfilled family room addition, hardwood floors, leaded and stained glass. Updated roof, C/A, Boiler, and wiring.WOW! $429,900.00

Downtown Dundas & The Driving Park Just Listed Downtown Dundas

SHOW YOUR PROPERTY WHERE IT WILL SELL HERE IN COLOUR AND ON THE COVER
















Donna Lavin

www.donnalavin.comwww.homesingoldenhorseshoe.com



221A-550 Fennell, Hamilton ON L8V 4S9

Totally restored and beautifully fi nished cottage with wide pine plank fl oors, open kitchen to dining room, separate living room, family room, 2 BR + den, fi nished rec rm and laudry + double drive and garage. Excellent private landscaped property with escarpment views! A short walk to everything. Don’t miss this opportunity!

NEW LISTING DUNDAS $599,000 VERY RARE FIND!

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Spring has arrived early in Real Estate!Many buyers are lining up to live in this community. If you are thinking of selling now is the perfect time

to get top dollar quickly for your property. Let’s get started - Call me today!

905-628-WORK (9675)

Call Donna Lavin today to Get This Sign on your lawn!

SHOW YOUR PROPERTY WHERE IT WILL SELL HERE IN COLOUR AND ON THE COVERSHOW YOUR PROPERTY WHERE IT WILL SELL HERE IN COLOUR AND ON THE COVER
















2009

Donna Lavin



221A-550 Fennell, Hamilton ON L8V 4S9

2012

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Escarpment Realty Inc.Brokerage Independently Owned & Operated#11-370 Wilson St. E., Ancaster, ON

*Not intended to solicit properties currently listed for sale.

SonniaMartoranaSales Representative

11239969_1513*Not intended to solicit properties currently listed for sale.

www.sonniam.com

[email protected]

PERFORMANCENOT PROMISES

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For all your Real Estate Needs in

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Ancaster “NAKOMA” neighbourhood. MAIN FLOOR MASTER, walk-in closet & gorgeous ensuite w/6’x4’ shower w/bench. Newly updated 2 pc & launrm on ML. Fin top to bottom, LL in-law suite. Amazing landscaping. This home features extensive custom upgrades. For a viewing call me! 1513_KIMRI_0021

ADULT LIVING AT ITS BEST! Garth Trails enclave 2 bdrm, 2 bth BUNGALOW w/very private rear patio. Community Club House w/pool, gym/tennis to name a few of the exciting features offered to the active & young at heart. Is this your dream lifestyle? If yes then call me-we’ll talk! 1513_KIMRI_0022

SRES Seniors Real Estate Specialist

“DYNAMO WITH A HEART”“DYNAMO WITH A HEART”

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2005

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GRIMSBY NATURE LOVERS PARADISE

Nestled in star location! Approx 2500 sq ft of impressive living. 3 bedrms, 2.5 baths, huge foyer, oak staircase, C/Vac, gas FP, soaker tub. Summertime sizzler with perennial gardens & stunning patio.

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$390’s BEAUTIFUL BINBROOK ROCKS

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INLAW SUITE

SCORES OFF THE BINBROOK CHARTS

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Documents

Hamilton Resale Home & Condo - 13 Apr., 2013