Monthly Archives: September 2009

10 General Tips for Home Buyers

By Evan Sage

1.    Location is key
Look for a good Toronto location that is only going to get better. This is the best Toronto real estate investment advice. If the Toronto house is not exactly right you can renovate it. You cannot renovate the neighbourhood.

2.    The best Toronto investment properties are usually those that require the most work
Find a fixer upper in a high demand area. Put in the time and money to remodel it and not only will you benefit from living in a place that is to your design but you will also experience much better returns on the investment.

3.    Keep expansion in mind
Typically I tell clients to think 5 years ahead. Will this house be large enough for our 5 year plan? If not, then ask yourself if you could expand the house so that it is big enough. That could come as finishing the basement or adding an addition. If major renovations will be in order, look into any building restrictions for the area, it is better to find out now than when you apply for your Toronto permits.

4.    Look into the local schools
Even if you do not have kids and don’t want them the school district could be very important to potential future buyers. You find quite often that a family will move so that they can be in particular school districts.

5.    Check your credit
Do this before you apply for a Toronto mortgage. If there are any errors on your report have them fixed before the bank looks into you.

6.    If your credit is bad fix it

Fixing your credit can be as easy as making minimum payments on time. Even if you have bad history if you appear to have turned yourself around your bank may be more forgiving. This is why it is important to check your credit now as opposed to waiting until you start shopping for a Toronto mortgage.

7.    Don’t underestimate the value of energy efficiency
A truly energy efficient house can save you thousands over the long term. I am hearing this question being asked more and more by my clients.

8.     Test your route to work

Be sure to run tests both in high traffic times and low traffic times.

9.    Are rates low?
Lock in your mortgage for as long as possible if rates are low and don’t appear to be going any lower.

10.    Avoid tilting Toronto houses
Look at the house from across the street, if there is a tilt move on to the next open house. Just because floors are uneven does not mean the house is tilting, to know for sure hire a Toronto home inspector. A tilt is an indication of foundation problems, this is something that could cost you greatly in the future.

11. Keep resale in mind
When considering buying a Toronto property keep resale in mind. Don’t let it dictate your every move but at some point you will sell so you might as well start considering it now.

Evan Sage is a Sales Representative with Royal LePage R.E.S./Johnston & Daniel Division. Evan is also a regular contributor to the Muddy York Blog.  Evan’s web site is located at www.evansage.com.

The International Home Show

homeshowThe International Home Show is being held this year from October 9 to the 12th.  The show will be located at the International Centre – Toronto, which is located at 6900 Airport Road (just north of the Airport at Derry Road). The Regular Admission is $14.00 per person.

Liberty Village

By Susan Eickmeier

Among the neighbourhoods that you have heard about so far, we find ourselves in Liberty Village.

Liberty Village is one of Toronto’s great neighbourhoods, bounded at the north by King Street West; the west by Dufferin Street; the south by the Gardiner Expressway; the east by Stratchan Avenue and the northeast by the CP railway tracks.liberty.village

Liberty Village’s name was introduced as a positive brand by property owners and developers in the area.

One of Liberty Village’s aim is to distinguish itself from Parkdale, another neighbourhood in Toronto which now begins west of Dufferin Street.

Liberty Village’s location is considered to be one of its finest attributes. It is only a short 5 minute walk to the Lakeshore, and a 20 minute walk to the financial core. For those who want to go out and have some fun, it is only a short 10 minute walk from the entertainment/ fashion/ gallery districts of King St. West, , Dundas St. West, West Queen West, Ossington and Wellington St. West.

One of the reasons for this is because Liberty Village experienced large growth from 2004 to the present date. This is of course in terms of new condominiums, lofts, office space, a new park, and a vast assortment of shops and restaurants.

Some people might even go as far to say that Liberty Village is Toronto’s hottest neighbourhood.

One of its key points is being known for its successful Art and Design studios. You can find many Canadian and US design firms located in Liberty Village, creating jobs for the increasing number of citizens who are moving into the growing neighbourhood.

Needless to say, Liberty Village is a location where young artists and professionals head into.

You can find many old factories converted into lofts, while others can be found as restaurants, gyms, and galleries. Liberty Village’s area used to be primarily a former heavy industrial area, however it has been abandoned for the past 20 years.

In development are currently 3 new condo towers, town homes and lofts, which should be completed by the end of 2010, increasing the density and neighbourhood “feel” even further.

Liberty Village is truly a great and upcoming neighbourhood in Toronto. You will find it to be already established, however in the future, with the development that is currently happening and what is to come, Liberty Village will be a force to reckon with.

Susan Eickmeier is a Sales Representative with Royal LePage R.E.S. Ltd/Johnston & Daniel Division working in the Central Toronto market.  Susan is also a regular contributor to the Muddy York Blog. Susan’s website is located at www.susaneickmeier.com

Scotiabank Toronto Waterfront Marathon

scotiabank waterfrontThe Scotiabank Toronto Waterfront Marathon is an annual marathon that is usually held in late September. This race has quickly become one of North America’s most prestigious events.

The Scotiabank Toronto Waterfront Marathon has been running ever since 1990, marking this year’s marathon as its 20th anniversary.

The flat and fast features of this event include the marathon, half marathon and 5k. It has been a large reason as to why so many people are able to reach their personal best, qualifying for Boston.

This marathon appeals to everyone, including power walkers, as the time limit to finish is 6 hours and 30 minutes.

Since 2008, the event will start and finish in the same spot, the heart of downtown, at City Hall. Located at Bay & Queen Streets, it is hosted by Mayor David Miller.

Runners will be heading out and back along the lakeshore flat course, where Boston hopefuls and first times all enjoy.

At this event you will find bands and Neighbourhood Entertainment Centres located every 2 kilometres, not to mention cheerleaders and numerous aid stations.

The atmosphere is great, and is welcomed by all.

All marathoners and half marathoners receive technical t-shirts and finisher’s medals, which are designed by Hasty Awards, who developed the world’s first “spinner” for the Miami Marathon.

The Scotiabank Toronto Waterfront Marathon is much more than just a run, it is a festive and full weekend where you can find gurus John Stanton and Coach Jenny Hadfield at a free 2-day Expo(Friday and Saturday).

The Scotiabank Toronto Waterfront Marathon will take place on Sunday, September 27th.

Registration is still occurring, with online registration active until midnight September 22nd, or when caps are reached.

The 2009 online entry fees for the Marathon are $100; for the Half-Marathon is $85; and lastly the 5k Run/ Walk is $45.

The marathon length is approximately 42.195 kilometres, making the half-marathon length 21.0975 kilometres. The marathon is long, and for someone to finish it requires them to be in peak physical condition.

The Scotiabank Toronto Waterfront Marathon is a registered AIMS Marathon, making it a great Boston Qualifier for those who are interested.

The Scotiabank Toronto Waterfront Marathon is a great event, and anyone should be proud to not only participate but if they are able to finish, then it is an awe inspiring feat.

The amount of training and discipline that is involved for preparing for any marathon, let alone for the Scotiabank Toronto Waterfront Marathon, which is one of the most prestigious and difficult events in North America.

The next Scotiabank Toronto Waterfront Marathon is expected to be held on Saturday September 26th, 2010. If you are unable to make it out for this year’s Scotiabank Toronto Waterfront Marathon, then I hope to see you there next year.

Underground Property Ownership in Toronto – Who Owns the Rights Under Your Home?

By Evan Sage

One of the best aspects of my business as a Toronto Real Estate Agent is the day to day variety of the work. There are many twists and turns with every client and they always surprise me with a new challenge. I was asked a very interesting question the other day.

How far down do I own the land when I buy a house in Toronto, Ontario?

My initial thought was to say 6 Feet, I have no idea why, it just felt right. I am glad I didn’t go with my gut. Apparently this was not right, however it wasn’t wrong either.

I started my search to try and find a specific depth. With the surge in commodities over the past few years there has been a sudden influx in Prospectors staking claims to various mineral rights. There have been some changes in technology that allow a Prospector to stake a property online instead of having to walk the property and physically stake the claim.

This has led to a lot of confusion and several instances have blown up and landed in court. A gentleman by the name of Rob Westie was involved in one of these conflict claims and said “A free miner is the last free man in Canada. They have more power than the RCMP to go on to your property and do whatever they wish.”

The confusion and conflicts are caused by all the different types of rights someone may claim on a piece of land. There are mining rights, mineral rights, surface rights, free entry, who has access to the land for living on and who has rights for exploration. A lot of the laws date back to The Gold Rush in the middle of the 19th century, some of them don’t really stand up in today’s society.

All of the conflicts that are raised in Ontario are heard by the Mining and Lands Commissioner.

If you want to be a Prospector and stake a claim you need to be over 18, fill out a form and hand over the large sum of $25.50 for a prospectors license. Here is the link if you are interested, prospectors license.

This licence will allow you to stake claims on land and get access for exploration purposes. To register a claim it is $3 per hectare in Ontario.

Canada has what is called a ‘Free Entry’ mining system which allows anyone with an exploration claim to stake a site and explore the land. All you need to do is provide the owner of the surface rights with one days notice that the exploration will be taking place.

In a residential area no claims are allowed to take place under the dwelling portion of a property without consent of the home owner. For any exploration to take place on a residential lot in a registered of sub division additional permission is needed from the Minister of Northern Development and Mines.There is a legal way you can protect your property from someone else claiming the mineral rights to explore the land. You simply need to do it first!

You will need to sign up for your prospectors licence and then stake a claim on your own property. The catch is that you need to actively test and explore the land otherwise the claim becomes inactive and is back out on the open market again. You will need to show assessments with a minimum value of $400 per year. One gentleman dealt with it by registering his property as a shooting range and then put signs up everywhere notifying people that they risked being shot if they wandered around his property. It was crude but effective.

Here is a link to all the properties in Ontario that have claims on them or the surface rights and mineral rights are combined, Ontario Claims Map

If you see a black circle that means the surface rights and mineral rights are combined, if you see a semi circle that means either the Crown or someone else has the mining rights.

Evan Sage is a Sales Representative with Royal LePage R.E.S./Johnston & Daniel Division. Evan is also a regular contributor to the Muddy York Blog.  Evan’s web site is located at www.evansage.com.

Muddy York Update – TREB Market Update – Mid September 2009

trebThe Toronto Real Estate Board released the mid September 2009 statistics for the Greater Toronto Area.  The number of sales to date was 3,361 in the first half of the month compared to 2,726 in mid-September of 2008, representing a 273% increase.   The average price for the GTA was $366,158 mid-September of last year compared to $393,818 this year.

In the Central District of Toronto, the average price was $415,126 compared to $386,524 last year.  The number of sales to date was 1,280 compared to 998 in mid-September of 2008.  The year-to-date total sales are up slightly (3%) compared to last year with the average price is up 1%.

Source: Toronto Real Estate Board

Open Houses Still Work in Today’s Market

By Julian Merry

When you put your house on the market, you will come across two types of methods to showing your house.

The majority of the time you will be having showings of your house, where a specific real estate agent will call your real estate agent and ask whether his/ her clients can view your house. After your real estate agent gets approval from you, a date and time is set.

You can have anywhere from one to a dozen showings or more before you sell your house.

Now the second method of showing your house is an open house. An open house consists of you leaving your house on a specific date and time, leaving your real estate agent to wait for potential buyers to walk through the doors.

In many cases you will find buyers walking in with no real estate agent at all, they might have seen the advertisement for the open house and decided to drop by. When this occurs, one of two things can happen. They are either serious buyers and are genuinely serious in purchasing a home, maybe even yours or they were simply just a couple who were passing by and wanted to kill some time.

The latter tends to happen most often, however having a serious buyer show up happens frequently as well.

Some people might think an open house is a waste of time because potential buyers will examine homes on the internet and simply call the respective agent to book a showing. However that does not mean this method does not work. Making a personal appointment with an agent to visit a home might not interest them; it can put too much pressure on them to purchase a home.

Open houses give people a chance to browse through homes without any pressure.

Before you have an open house you have to keep in mind that it is similar to a showing, with the exception that it will span over a few hours.

Ensure that your home is clutter free; create more space in your room by clearing up your personal belonging you might not use as much.

Be sure to have your house looking immaculately by giving it a thorough clean.

A good tip is to have a fresh batch of cookies or any baked goods sitting in your kitchen. This will  give off a lovely aroma to visitors, thus adding a little to your home.

Open houses are sure to attract visitors who might not be interested in purchasing your home at all, however there will be a time when someone will harmlessly walk in the front door and fall in love with your place.

Julian Merry is a Broker with Royal LePage/Johnston & Daniel Division.  Julian is a regular contributor to the Muddy York Toronto Real Estate Blog.  Julian’s website is located at www.julianmerry.com.

Home Insurance 101

By Evan Sage

Home insurance varies greatly, there is no single coverall insurance solution, it really depends on your individual requirements and tolerance for risk. Outlined in this article is an overview of many different types of insurances related to homeownership some of which may apply to you and some may not. Insurance may seem like a burden when you do not have a claim but the minute an issue arises you will be extremely glad that you have it.

Homeowner’s insurance is a must have for any home owner. It is the car insurance of the real estate world. This insurance protects you against such things as fire, smoke, wind, hail, vandalism and slips/falls. It is typically just the house that gets insured and not the land.

This insurance is usually required by the lender in order to cover the mortgage value should the property be destroyed. I advise clients to get a policy with full replacement cost, this is as opposed to the typical coverage which is replacement minus depreciation.  It is hard to give an estimated cost as it really depends on the value of your home. I do highly recommend that my clients get this insurance.

It is usually also a good idea to include contents in your home insurance. This protects the stuff in your house and sometimes even personal stuff stolen out of your car. If you are a non smoker and have an alarm you can typically get a discounted rate.

Mortgage life insurance covers the value of your mortgage should you die. This is not usually required by most lenders. It is recommended if you have a young family and you are the main earner. Premiums are usually quite manageable and vary depending on your age and the value of your mortgage.

Mortgage insurance is sometimes referred to mortgage loan insurance or mortgage default insurance, this is offered through CMHC and covers the lenders when a borrower has less than 25% down payment. This insurance covers the lender should you default on your payments, this is not for your benefit but is a requirement should you want a high ratio mortgage.

Home warranties will insure against the operating systems of the house. It may cover things such as the heating system, central air, electrical, plumbing, and large appliances. I usually tell my clients that if it is an older home than it may be worth it, but not to bother with it should it be a new home.

Title insurance covers your land. This is your assurance that the property you buy remains yours even if someone makes a claim against your property. If you get this insurance it is worth ensuring your coverage includes defense costs, so all legal expenses are covered. I will typically recommend this insurance when we are pushing through a deal quickly, as that can sometimes cause some things to be missed.

As you have read there are many different insurance options. I always steer my clients to a knowledgeable insurance broker to get the complete picture and to figure out all of their options.

Evan Sage is a Sales Representative with Royal LePage R.E.S./Johnston & Daniel Division. Evan is also a regular contributor to the Muddy York Blog.  Evan’s web site is located at www.evansage.com.

Martin Goodman Trail Opening Celebration

Saturday, September 19 at 12:30 p.m.goodman trail

Join Waterfront Toronto and its government partners at Ontario Place on Saturday, September 19 at 12:30 p.m. for the official opening of the Martin Goodman Trail. The new 1.3 kilometre, tree-lined trail section is a critical new link in the 56 kilometre Martin Goodman Trail which provides opportunities for alternative modes of travel across the waterfront.

Designed by leading landscape architects Janet Rosenberg and Associates, the newly created stretch of multi-use trail runs parallel to Lake Shore Boulevard through Ontario Place from Marilyn Bell Park to Coronation Park at Strachan Avenue.

Helping us celebrate the official opening of this popular trail will be Minister of Finance James Flaherty, Deputy Premier and Minister of Energy and Infrastructure George Smitherman, and Toronto Mayor David Miller.

The Opening Celebration will take place along the Martin Goodman Trail at th e main intersection at Ontario Place across the street from the Molson Amphitheatre parking lot.

If you are travelling from Union Station, you can take the 509 Harbourfront streetcar to the Exhibition Loop and walk south to Ontario Place. Alternatively, you can take the 511 Bathurst streetcar from Bathurst station to the Exhibition Loop. The 29B or 29D Dufferin bus is another option to get to the Exhibition grounds.

For more information, please contact Andrea Kelemen at akelemen@waterfrontoronto.ca or 416-214-1344 ext. 248.

We hope you can join us at this opening celebration.