Real Estate Since 1989!


Your Realtor® for life...





Keep more dollars in YOUR pocket with professional full service and the most competitive rates in the G.T.A


                             WHO'S WORKING FOR YOU?

                Feel free to browse my website for listings and important local real estate information.                






Why choose JC?

99.95% is J.C's Average SOLD price.... 
Click on the "Testimonals" link on the left to see what REAL people have to say.  I pride myself in referrals, and taking care of you is where it starts!


Home Ownership Incentive Programs

Ontario Land Transfer Tax REBATE for First-time Homebuyers

When you buy land or an interest in land in Ontario, you pay land transfer tax. First-time homebuyers of an eligible home may be eligible for a refund of all or part of the tax.

Beginning January 1, 2017, no land transfer tax would be payable by qualifying first‑time purchasers on the first $368,000 of the value of the consideration for eligible homes. First‑time purchasers of homes greater than $368,000 would receive a maximum refund of $4,000. Our real estate lawyers will help faciltate the rebate.

Canada First-Time Home Buyers' (FTHB) Tax Credit


The costs associated with purchasing a home, such as legal fees, disbursements and land transfer taxes, can be a particular burden for first-time homebuyers who must pay these costs, as well as save money for a down payment. To assist first-time homebuyers with the costs associated with the purchase of a home, the Government of Canada introduced a FTHB Tax Credit in 2009 — a $5,000 non-refundable income tax credit amount on a qualifying home acquired after January 27, 2009. For an eligible individual, the credit will provide up to $750 in federal tax relief starting in 2009.

What we know about the new program scheduled for September 1, 2019..

The Federal government, through CMHC, will be offering first time homebuyers with assistance for resale or new home purchases from a builder. To qualify, the buyers must have total household income less than $120,000 and can qualify to purchase a home up to $500,000.00. The government will provide a no-interest equity mortgage of 5% for a re-sale home and up to 10% for a new home from a builder. The program is scheduled to begin on September 1, 2019. It is not clear as to the terms of repayment, but given that it is announced as an equity loan, you can assume that if you sell your home later and make a profit, part of the profit will have to be shared with the government. This should also mean that if you lose money in the future on a resale, the government should share in the loss. More details will be given prior to the proposed launch of the program.

Canada RRSP Expansion of the Home Buyers' Plan (HBP)

To provide first-time homebuyers with greater access to their RRSP savings to purchase or build a home, the Government of Canada has increased the Home Buyers’ Plan withdrawal limit to $25,000 from $20,000 per person for withdrawals made after January 27, 2009. COMING SOON.. increase to $35,000 or $70,000 per couple (fall 2019).  It is important to remember that if you are topping up your contributions this year to plan for this program, the money must be in your RRSP account AT LEAST 90 days before it can be withdrawn.  The money is repayable over 15 years back to your own RRSP.