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The New HST

The HST - it's the new buzz word going around.  Since many of my clients ask how the new HST affects them, I thought I would try to simplify how the HST will affect real estate transactions.  What is the HST? The HST or the Harmonized Sales Tax is a combined levy of 13% that will replace the 8% PST (Provincial Sales Tas) and the 5% GST (Goods and Services Tax).  It is a provincial ...

Home improvements

Bathroom Renovation: When it comes to renovating a bathroom, the choice seems to be infinite. The choice of materials and finishes will depend on the available space and the budget, as much as on the personal taste. In some older homes, particularly so in small Victorian residences, the original bathroom occupied a very small space. Some of these bathrooms didn't even have a sink. Curb Appeal: It ...

Hot Tips for Toronto home buyers

1) Get pre-approved for a mortgage before you make an offer. When you are trying to buy a house in a competitive market, your offer to purchase should contain as few conditions as possible. An offer that is conditional on obtaining financing is often a deal killer. The seller may accept a competing offer for less money rather than take the risk that you won’t be able to raise mortgage money. ...


CMHC FINANCIAL 1st QUARTER REPORT 2010 & FINANCIAL FORECAST   Mortgage Rate Outlook Mortgage rates fell over the course of 2009, but are now expected to remain relatively stable going forward. Posted mortgage rates will gradually increase throughout the course of 2010, but will do so at a slow pace. For 2010, the one-year posted mortgage rate is assumed to be in the 3.7-4.3 per cent ...