TORONTO AREA REAL ESTATE - Beautiful Canadian Living!
Brampton, Caledon, Georgetown, Halton Hills, Mississauga, Milton, Oakville, Orangeville, Toronto

Call or email Heather today for the following real estate help:
	Are you buying a home? Heather will set you up to receive free immediate automatic emails of new listings.
	Are you selling your home? Heather will provide you with a free market evaluation of your home, plus a special bonus ....
	Receive "Heather's Helpful Hints to Sell Your Home for More Money" ... when you set a market evaluation appointment.
	Are you re-locating? Heather will refer you to a recommended agent who will help you find a home in your new city .

Real Estate Market Update - July 2010
I hope you are all enjoying the glorious summer! The real estate market has slowed down after a brisk first half of the year which saw an increase in homes sales up 23% over the first half of 2009. The average price of a home for the month of June also increased, up 8% compared to June 2009. However, the number of homes sold for the month of June was down 23% over June 2009. This is a sign that the market will likely continue to slow down for the rest of the year. The result will be downward pressure on the average sale price which has been increasing steadily for over a year. This is great news for home buyers as that they will have more selection to choose from, without the pressure of having to act quickly and pay top price for a home. The HST also took effect July 1st which has no real bearing on the resale market as HST is not charged on re-sale homes. HST is only charged on brand new homes, however, rebates are available through the government. The 13% HST also applies to real estate commission that a seller would pay, and also on the buyer’s and seller’s legal fees for real estate closings. Should you have any questions, or require my real estate assistance to buy or sell a home, please contact me anytime. Enjoy the rest of the summer and get lots of rest and relaxation!
June Sales Statistics:

Real Estate News Update

The Government of Canada has taken action to strengthen housing financing in Canada. The Honourable Jim Flaherty, Minister of Finance, recently announced a number of measured steps to support the long-term stability of Canada’s housing market. The steps are new borrowing guidelines for government-backed insured mortgages, which should help prevent negative trends from developing when higher interest rates occur in the future. It is important to protect the financial future of all Canadians when it comes to home ownership.

Here are the new guidelines which take effect on April 19th, 2010
- all borrowers must meet the standards for a five-year fixed rate mortgage even if they choose a mortgage with a lower interest rate and shorter term
- the maximum amount Canadians will be allowed to withdraw when refinancing their mortgages will be reduced to 90 per cent from the current 95% of the value of their homes
- a minimum down payment of 20 per cent will be required for non-owner occupied properties purchased for speculation
- effective April 9th, self-employed individuals who have been self-employed less than 3 years are required to provide a minimum of 10 per cent down payment and must provide full documentation backing up their income in the way of the average of 2 years of Notice of Assessments.

Incentives still in effect for buying a home with no changes
- Minimum Down Payment ~ 5 per cent (upon qualifying terms) - Home Buyers Plan ~ $25,000. tax-free withdrawal from your RRSP (repayable over 15 years) - Land Transfer Tax ~ refund for first-time home buyers (upon qualifying terms) - Extended Amortization ~ up to a maximum of 35 years
Helping "YOU" is Heather's Goal!
Heather is a full-time award-winning realtor with over 17 years experience. She takes pride in helping people to meet their goals whether buying or selling a home. Heather is very dedicated to her clients. She is honest, upfront and very efficient, especially when it comes to communicating and keeping her clients informed. Heather enjoys helping people - would you like Heather to help you next? Heather will be delighted to hear from you! Call or email her anytime.

Heather is now a certified Accredited Greenagent ™
with the National Association of Green Realtors and Brokerages (NAGAB).

As an Accredited Greenagent™, I promote healthy ‘green living’ and energy-efficient, eco-friendly ‘green homes’ in all my real estate encounters with< homeowners, home sellers and home buyers. I believe we can all become earth-friendly aware and implement changes in order to ensure a sustainable and prosperous future. You will not only contribute to saving the earth ~ you will also save money by living in a ‘greener’ home and living a ‘greener’ lifestyle starting now.

The following is what I can offer you:-
· Tips you can easily implement to make your home more energy-efficient & will lower your monthly utility bills
· Advice on what is involved to retrofit and upgrade your home to maximize efficiency in areas such as energy efficiency, electricity usage, water conservation and green heating & cooling options
· Assistance to identify different government programs supporting these initiatives and rebate programs
· Assistance to organize a home energy audit by recommending participating certified energy audit companies
· Solutions to increase the comfort level in your home
· Insight into general environmental issues
· Insight into sustainable housing, building, planning, development, and landscaping initiatives
· Insight into reducing energy reliance on non-renewable resources, and understanding emerging sources of clean electricity
· Assistance to effectively market and sell your home with some ‘green’ touches to help it sell for more money
· Assistance when purchasing a home to help you find a ‘greener’, more energy-efficient home

Some of my favorite links:

About Toronto - where to eat, stay, visit

Green Living Tips – Live Greener!

Find a Postal Code

Metric Conversions

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City/Town	Sales	Average Price
Brampton	701	$346,417.00
Caledon	73	$504,707.00
Etobicoke	820	$422,204.00
Halton Hills	81	$434,650.00
Mississauga	1086	$415,189.00
Oakville	190	$639,257.00
Orangeville	61	$331,034.00
Central Toronto	1582	$550,563.00