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For anything real estate from A to Z...

just pick up the phone and call JC


                             WHO'S WORKING FOR YOU?

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






Why choose JC?

102.87% is J.C's Average SOLD price from 2017 to 2021

99.95% is J.C's Average SOLD price from 1989 to 2016

Click on the "Testimonals" link above and to 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

New for 2023 - FHSA (First Home Savings Account)

Save up to $8000 per year up to $40,000 TAX FREE towards your first home. Any interest will not be taxed, the amount saved can be used like an RRSP to offset your income in the year you save it. BEST OF ALL, it does not have to be repayed to the account after using it to buy your first home. 


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.

First Time Home Buyer "FTHB" PROGRAM FALL 2019

With this incentive, Government of Canada will buy your first home with you and provides:

  • 5% or 10% for a first-time buyer’s purchase of a newly constructed home
  • 5% for a first-time buyer’s purchase of a resale (existing) home
  • 5% for a first-time buyer’s purchase of a new or resale mobile/manufactured home

The incentive is available to first-time homebuyers with qualified annual incomes of $120,000 or less. A participant’s insured mortgage and the incentive amount cannot be greater than four times the participant’s qualified annual income.  The Government of Canada will be co-owners of the property to the percentage of the incentive.

Here’s an example...... Anita wants to buy a new home for $400,000.  Under the First-Time Home Buyer Incentive, Anita can apply to receive $40,000 in a shared equity mortgage (10% of the cost of a new home) from the Government of Canada. This lowers the amount she needs to borrow and reduces her monthly expenses.  As a result, Anita’s mortgage is $228 less a month or $2,736 a year.

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 $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.