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Helpful Hints When Planning to Buy A New Home
Posted on Tue, 30 Apr 2019, 10:40:00 AM  in Home buying tips

When you start browsing the market for new homes for the first time, it is vital for you to prepare for the process. This means taking the time to not only research your available home options, but also prepare for any potential contingencies that you may encounter. If you are interested in entering the market for the first time, it can be a good idea for you to plan ahead according to your needs. Think about some of these tips, and see how they can help you plan.


Pay Off Your Debt

One of the most important things for you to do to get started is to pay off all of your debt. Owning a house is often described as one of the most expensive experiences in a person's life, and knowing that you will have monthly house payments to pay on top of your existing debt may cause problems for you in the future. Add on maintenance and potential upkeep costs, and you may find yourself struggling. Do all of the math as early as possible before shopping.

In addition to paying off your debt, consider building up an emergency fund as well. The emergency fund should consist of roughly three to six months of planned expenses. This type of fund is vital because it can provide you with a degree of comfort against potential issues that may arise. With the fund, you will know that you are covered in the event of an emergency, and any number of things may happen during the home ownership process.


Determine Your Actual House Expenses

It can be easy to fall in love with a house and not know how to proceed. In order to plan ahead as best as you can, it can be a good idea to sit down and determine how much you can actually afford for your home. Check your monthly budgets and how much money you have saved up. Make sure that you plan for the long-term as far ahead as you can, as there are numerous additional monthly housing costs that you may not be aware of. These include things such as HOA fees, insurance, taxes, and more.

Speak with a professional to learn more about your options. One rule of thumb is to think about how much you bring home a month and focus a quarter of that towards monthly house payments. If you do not have many other payments that you make, you may actually consider expanding on this number. Every individual's situation is unique, so be sure to plan accordingly.


Save for Down Payments and Closing Costs

It can be difficult to plan for your down payment, but always strive to have at least 20 percent of the home's payment covered as a down payment. This will not only help you with your loan from the bank, but it can also allow you to cover a significant portion of the home's costs in the first place. This will allow you to plan for your monthly payments in a much more efficient way.

Planning for closing costs can be tricky as well. This is particularly difficult for first-time homeowners because you need to plan for at least three to four percent of the home's final price. Closing costs will entail a number of different considerations. You will need to have an appraisal done, a home inspection, and a credit report.


Though all of these things may seem difficult to keep track of, it can be easy with the help of a realtor. A capable professional will be able to keep you focused and help you transition from one step of the buying process to the next.

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Eight Ideas for Using Your Backyard During the Summer
Posted on Mon, 15 Apr 2019, 10:40:00 AM  in My services
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After enduring a long winter in Canada, it is time to enjoy your home and its lawns throughout the spring and the summer. You can spend more time at your home enjoying the beautiful weather rather than traveling to local parks or going away on a vacation. Use these ideas to have fun at home throughout the summer.Eight Ideas for Using Your Backyard During the Summer


Build a Deck

Adding a deck to your home makes it easier to have a place for resting after work or for entertaining outside. You can build a deck on your own, or alternatively, you can hire an expert. With a deck, you will have a place for outdoor furniture such as chaises or picnic tables along with having a place for a barbecue grill to cook meals outside. If you have lights and an outdoor heater on your patio, then you can use the space during the evening.


Plant a Garden

Planting a garden is a great way to have fresh vegetables or herbs for your meals, and you can also grow flowers that will add beauty to your lawns. Working in a garden is a relaxing activity that can soothe your mind after a busy day at work, but it is also a physical activity that exercises your muscles and helps you to lose weight.


Play Areas for Children or Grandchildren

If you have children or grandchildren, then create fun play areas for them in your backyard. You can have swing sets, monkey bars or playhouses so that children can play outside safely to get more exercise and fresh air. Don’t forget to build a sandbox under a tree where your children can build castles from the sand.


Create a Bird Sanctuary

The population of wild birds is declining, but you can create a bird sanctuary in your backyard to help these creatures survive and thrive. Having birdhouses is a great way to attract robins, blue jays or cardinals to your backyard, but you should also have feeders that hold birdseed or other foods for the birds.


Add a Swimming Pool

Adding a swimming pool to your backyard is easy when you use a ready-made pool that is delivered to your home. These swimming pools are available in different sizes or shapes, and you can add ladders or decks to the items for more enjoyment.


Play Croquet on the Weekends

Croquet is an easy game to play outside, and it is suitable for every age group. Look for the mallets, wooden balls and wickets at a store that offers sporting goods. The goal of this game is to hit the wooden balls with the mallets through the wickets that are scattered throughout the lawns of your home.


Do You Have a Fire Pit?

When you have a fire pit at your home, you can sit around it outside to cook foods on sticks such as hot dogs or marshmallows. When it is a cooler spring evening, the fire from the pit will provide warmth while you talk to your friends.


Buy a Hammock

If you love reading books, then you can buy a hammock to hang from the trees in your backyard. When you don’t have trees that are strong enough to support a hammock, you can use a special metal stand or posts to hold the item. With a hammock, you can enjoy a nap outside, or you can bring your stack of library books outside to read the items all day.

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Preparing Your House For Sale
Posted on Sun, 31 Mar 2019, 10:50:00 AM  in Home selling tips

As the snow melts, the Canadian real estate market starts to warm up as well. If you are thinking about selling your house, there are some simple steps you can take to make your home more appealing to potential buyers. A house that has immediate visual appeal and is move-in ready will sell faster and for more money than one which is shabby or needs work. Although the amount of work involved may seem daunting, especially if you are juggling getting one house ready to sell while hunting for a new home, you can make the process of preparing a house for sale manageable by breaking it into several small steps.Preparing Your House For Sale


Yard, Driveway, and Sidewalks

You only get one chance to make a good first impression. The first thing a potential buyer sees is a house exterior. If winter is lingering, make an extra effort to clear snow from sidewalks and driveways, using a plant-safe snow melt product to keep pavement snow and ice free. For the rest of the year, keep lawns mowed and edges trimmed and remove dead leaves. A few evergreen shrubs will add color and interest to a house year round. Although you don't need to invest in expensive custom landscaping, your yard should look neat and clean and plants should be healthy. Pressure wash your driveway to make it look its best.


House Exterior

An inviting exterior will persuade buyers to look inside a house rather than just driving past. Make sure gutters, roofing, and trim are in good shape. Pressure washing will make even older exterior paint look fresh. Clean the windows to make them sparkle. Refurbishing or replacing an older front door is an investment that normally pays back over 75 percent of its cost in terms of added home value.



If you have lived in a home for a few years, you probably have a backlog of small maintenance tasks such as scratches in the floor, a sticking door, a small gash in drywall from an accident, or a dripping faucet. Fix as many things as you can before you put a house on the market, as a long list of minor repair issues can discourage many buyers.


Declutter and Depersonalize

What makes your house a home is all the unique personal touches you have added to it over the years. Buyers, though, need to imagine the house as their own home with their own possessions and personal touches. This means that when you show your house, it should be as close as possible to a blank canvas onto which buyers can project their own dreams and ideas. To do this, you should remove as much clutter as possible. Counter tops and other surfaces should be clear and personal mementos such as family photos stored out of sight. Consider removing side tables or other unneeded furniture to make rooms look larger.


Clean Obsessively

Buyers will look everywhere, including in cabinets and closets. That means that you need to clean everything and everywhere. Faucets and doorknobs should shine, corners be free of dust and cobwebs, and bathrooms immaculate. If you smoke or have pets, consider using an ionizer or odor absorbing crystals. Don't use air fresheners that attempt to mask odors with heavy perfumes as many people don't like the way they smell.

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Choosing a Townhouse or a Detached House
Posted on Fri, 15 Mar 2019, 10:45:00 AM  in Home buying tips

One of the first decisions you need to make as a home buyer is whether a townhouse or detached house is the right choice for you. No one type of property is ideal for everyone. Instead, before you make your decision, you should think carefully about what type of home will best fit your lifestyle. Both townhouses and detached houses are available in a wide range of styles and prices, but the ownership experiences can be quite different. The sections below describe some of the major differences between townhouses and detached houses.Choosing a Townhouse or a Detached House


Homeowners Associations and Covenants

Townhouses are part of a community, usually with a homeowners association and various rules and regulations. If you own a townhouse you may need to pay HOA fees and follow various community guidelines. Even if you are not part of a planned community, you may still need to share decisions with the neighbors with whom you share walls. Often HOA rules restrict the color you can paint your house, landscaping, whether you can park RVs in your driveway, and other choices. Some single family homes also are part of communities with HOAs but other are not. Although HOAs often maintain various amenities and sponsor events for residents, some people may find HOAs intrusive.



Although you can find small detached houses and large townhouses, in general, townhouses tend to be slightly smaller. Also, if you need more room, you can often enlarge a detached house but not a townhouse. If you have or plan to have a large family, with several children and perhaps parents as well all living under one roof, a detached house may be a better choice. On the other hand, a single person or couple without children or with only one or two children may prefer a townhouse.


Yards and Outdoor Spaces

Townhouses tend to have small, low-maintenance yards. If you hate yard work and just want a small patio where you can enjoy an occasional summer evening, a townhouse is a good fit for your lifestyle. If you enjoy gardening, have children or pets who like to play outdoors, or like to host outdoor parties such as backyard barbecues, the larger yards of detached houses might be a better fit.



When you live in a townhouse, you share one or two walls with neighbors. This means that a townhouse will be somewhat less private than a detached house. It also means that your neighbors' lifestyles are more important for townhouse buyers. While townhouses in retirement communities tend to offer peace and quiet, if you are near a university, your neighbors might be a group of four or five students who enjoy late night parties.



If you own a detached single family house, you are responsible for every aspect of maintaining your home. You need to deal with snow removal, driveway repairs, roofing, landscaping, and exterior painting. You usually need to arrange to garbage service as well. If you choose a townhouse, many of the exterior maintenance tasks are covered by your homeowners association.


Choosing for Your Lifestyle

Some people will be equally happy in townhouses or detached houses. If you want a large yard, have a big family, or value complete privacy, a detached house may be a better choice. If you want a low maintenance house, are single or have a small family, or want the most house for your money, a townhouse may be a better fit for your lifestyle.

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4 Ways to Simplify the House-Hunting Process
Posted on Fri, 15 Feb 2019, 11:10:00 AM  in Home buying tips

Buying a home is often viewed as intimidating and time-consuming. The truth is that the search for a new home can go smoothly if the process is well-planned and thought out. Always do your homework before going on the hunt for a new home, and remember to have a little fun. Below are some tips that you can use to make the process less complicated.4 Ways to Simplify the House-Hunting Process


Get Conditional Approval for a Mortgage Loan

Conditional loan approval means that the lender agreed to process the loan after reviewing your application, financial records, and other supporting documents. However, there may be certain conditions the credit is subjected to, such as the actual appraisal and verification of your assets.

Getting pre-approved for a loan allows you to search for homes within your budget, instead of focusing on properties that are priced too high. When you search for houses that are within your pre-approved price range, finalizing your loan application could go a little faster and more efficiently, opposed to starting the house-hunting process without being pre-qualified for a mortgage loan.


Do the Research

One of the most important decisions you will make in your life is purchasing a new home, so you want to put in the time and effort to make the best investment possible. Develop a list of what matters to you the most, in terms of a new home, and start researching based on your preferences.

Researching also includes going to visit the property in-person. Pictures can be staged, but touring the property allows you to get a good look. Once you envision yourself living in the home, you should also tour the neighbourhood. Take a look at how active the community is by visiting local businesses and listening to what residents have to say.

Do not slack on the researching aspect of the house-hunt. Doing so could prevent you from making a smart choice for your family.


Be Realistic

Buyers may not get every feature they are looking for, but they can come close. You will need to determine what you must have, and what your family can give up. For instance, if a specific location is a must-have for your family, as well as a swimming pool, you can compromise by searching for homes in the area that have a community pool. You may not get the pool in your back yard, but you still have swimming options in the neighbourhood of your choice.


Work with a Sales Representative

There are so many things you can do on your own, but choosing to work with an experienced sales representative could simplify the house-hunting process. She will know what to search for once you have given her a list of preferred locations, amenities, square footage, and other essential factors. Sales representatives also have access to databases and listings that buyers may not, giving you more of a variety.

When it pertains to negotiating a reasonable price, as well as repairs, a sales representative will make sure you get the best deal possible. You can ask family and friends to recommend a qualified sales representative, or you can join online forums to see who other buyers are suggesting.


There is no wrong or right way to begin the hunt for a new home, but there are steps that can make the process more enjoyable and less chaotic. Buyers should always determine what they are searching for and what will be the best choice for their family. Planning will make the house hunting process smoother, and a little faster!

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Six Tips for Selling Your Home as Fast as Possible
Posted on Thu, 31 Jan 2019, 04:45:00 PM  in Home selling tips

When it is time to sell your home, you won't want to have a property that will remain on the real estate market for several months. To sell your home faster, you must make the property as attractive as possible to potential homebuyers. If you have lived in a home for several years, then you might not notice its many problems, but anyone looking at your home will look at its smallest details. Use these tips for preparing your home for the real estate market.Six Tips for Selling Your Home as Fast as Possible


Get Rid of the Stuff in Your Home

Your house will look more appealing to buyers when it is free of clutter. Think about the way that a hotel room looks with only a few necessities such as basic furniture that includes a bed, dresser and chairs. If you have kitchen cupboards and bedroom closets that are filled with stuff, then the spaces look smaller. Begin purging items right away so that your home looks more spacious.


Improve Your Property's Curb Appeal

Make sure to walk outside your home to look at the building's problems or the ugly landscaping. You may need to pick up the debris from the lawns so that potential buyers aren't seeing trash and overgrown foliage. If the driveway and sidewalks are dirty or crumbling, then you should clean and repair the items. You may need to power wash the siding of your home, and you should clean the gutters or downspouts. The roof of your home should also look fantastic, and make sure that the porch or front door looks inviting.


Does Your Home Smell Nice?

If your home has a foul pet or cigarette smoke odor, then you will have problems selling it. Removing the disgusting odors from pets or smoking isn't easy, so you should begin by cleaning your home thoroughly with cleansers that are formulated for eliminating nasty odors. At the same time, you may need to use an air purification system to eliminate the odors. Washing the walls, ceilings and floors along with shampooing the carpeting can remove the disgusting odors from cigarettes and pet accidents.


Make Repairs to Your Home

Your home may need extensive repairs such as replacing nonfunctional plumbing fixtures or fixing broken electrical switches. If the drywall is damaged, then you must fill the holes or replace the damaged sections of drywall. After fixing some of these problems, you should paint the walls with a neutral color such as white or off-white that will make it easier for new homebuyers to move in right away. In addition, check the locks, handles and doorknobs throughout your home to repair or replace these items.


Find a Real Estate Agent

Selling your own home is complicated, but a real estate agent understands all of the special guidelines for completing the task. You should talk to several real estate agents so that you can find someone who you can communicate with easily. This expert will take photographs and videos of your home to post at online websites so that anyone wanting to buy a property can look at the information.


Staging Your Home

Your real estate agent will give you advice about staging your home to make it look more attractive. Staging a home is designed for featuring certain aspects in each room, including beautiful windows or fireplaces. This process also makes a room feel bigger, and it will create a flow through the home that is easy for potential buyers to walk through.

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Five Amazing Benefits of Owning a Home
Posted on Tue, 15 Jan 2019, 04:45:00 PM  in Home buying tips
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Buying a home can provide you with many advantages, such as more space, a sense of community, less money, and better locations. You can find the property of your dreams and truly make it yours, without worrying about reporting to a landlord. The home is yours to do with as you would like, but that’s not all. Continue reading to learn about some of the amazing benefits that buyers receive when they decide to purchase a home.Five Amazing Benefits of Owning a Home


More Privacy

Living in an apartment building could mean more neighbours and less privacy. When it pertains to having guests over, you will need to keep the music and noise to a minimum. Your neighbours could complain that you have too many gatherings and this could lead to being reprimanded by the apartment complex, or even evicted for numerous violations. However, owning a home gives you the privacy to have as many guests over as you would like, without having to report to a landlord or a property manager.


Tax Benefits

Some of the expenses that come with owning a home are actually tax deductible. This means that the interest you pay each year for your mortgage loan can actually be deducted when you file your taxes. This will allow you to keep more of the money that you have earned, or you can recoup some of the funds that you have spent on home repairs and renovations. If you are a first-time buyer, there may also be a deduction that you qualify for, depending on where you live, the current tax codes, and other factors. Check with a sales representative in your area to learn more about what is tax deductible for homeowners.


Cheaper than Renting

Excluding the down payment that you may have to make, and closing costs, your mortgage rate could be significantly lower than your monthly rental payments for a home or an apartment. The rates for rental properties are typically higher because landlords have to cover damages in the event that you destroy the home, skip out on payments, or for any other unforeseen reason. Many landlords are trying to make a profit, so they have to charge you more than they are paying for their property loan.


Decorate and Renovate to Your Liking

Hanging pictures and changing the colours of the walls within the different rooms of your home is completely up to you and your family. You do not need to seek approval from a property manager or a landlord before installing new cabinets, putting up a privacy fence, changing the carpet, or adding on other features to the property. You are free to do almost anything you would like, as long as it does not violate state, local, and federal housing codes. Keep in mind that some properties will have homeowner’s associations (HOAs); these associations generally have rules regarding the exterior of your home. The good news is that you have the ability to go to the HOA meetings to voice your opinion about regulations, and to suggest new changes.


Future Income

You not only save money when you buy a home, you could create another stream of income in the future. For instance, if you decide to purchase a new home five to 10 years from now, but you do not plan on selling your current home, you can rent it out to other families and earn an extra income. This is great if you are looking for more income, or if you don’t want to part ways with your first property.


Do not put off buying a home for another year. Take advantage of the many benefits that are available to you, including those mentioned above. When it comes to purchasing a new home, you will ultimately need to do what is best for you and your family.

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What to Look for When You Tour a Home
Posted on Mon, 31 Dec 2018, 02:35:00 PM  in Home buying tips,  My services

If you are a home buyer, you will probably tour many homes before you make a purchase. You should take a list of things to look for at your meeting, tour or open house visit. The list should consist of your wants, needs and things to check while visiting the home. You can also include questions to ask a REALTORŪ during your visit.


The Neighborhood

You should ask questions about the neighbourhood and then do your own research. Visiting the neighbourhood at night is a good indicator of safety. Research the schools in the area to see how well they perform. You may have children or have children in the future and this should be a consideration.


The Roof

Feel free to ask when the roof was last replaced. This is a good indicator of when you will need to hire a service in the future. Check for damage or leaks inside on the ceilings. The gutters should be in good working order and there should be no damage to the roof that is visible on the outside of the home. If you notice damage, consider this when you negotiate your terms for the purchase.


The Electrical Box

Find the electrical box as you walk through the house. This is a good way to make sure that the electrical is newer and in good working condition. This is usually more of a concern in older homes.


Heating/Air Conditioning/Plumbing

Ask your host if you can turn the heat and air conditioner on. This will allow you to hear any noises that may be apparent. You can do the same with the plumbing. Test the faucets to see if everything sounds like it is working well.What to Look for When You Tour a Home


Cracks in the Foundation

Repairing the foundation is costly. Check the basement and garage flooring for any cracks in the foundation or cement. This is also a good time to check for mould or water in the basement.


The Yard

When you look at the yard of a potential property, it is important to visualize what you will use it for in the future. Is it large enough and flat enough for everything you might want it for in the future?



If storage is a concern of yours, this is something that you should check on a home tour. You want to make sure the closets, garage or outside storage is a place that stays dry all year.



Your list should include any upgrades you want to make to the home you are touring. Also, the list should include any known repairs that you knew about prior to the tour.

It is important to have everything you need in one place before you make an offer.


When you tour a home, it is important to stay focused on the house and look for the items that most people don't think about when looking at a home for the first time. If you have any questions about the home, get answers from a REALTORŪ prior to making an offer on the home.

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Top Reasons to Get a Home Inspection Before You Buy
Posted on Sat, 15 Dec 2018, 02:30:00 PM  in Home buying tips,  My services

When it comes to buying a new home, it's often easy to get caught up in the buying process. If your agent tells you that the house has other offers on it, you might throw out an offer in the hopes of buying it right away without taking the time to think about the purchase. This can easily result in you spending much more money than the property is really worth. A good agent will suggest that you pay for a home inspection up front. There are some solid reasons why you should get that inspection done before signing any paperwork.Top Reasons to Get a Home Inspection Before You Buy


Determine Its Overall Worth

One of the top reasons to have an inspection done is because it will give you an idea of how much the house is worth. Sellers can list their homes for any prices they want. Even if they work with licensed agents, they might think that the property is worth more than it would sell for in real life. The inspection will tell you the total size of the house and the property as well as any issues that the inspector found.


Find Out About Possible Issues

There is only so much you can tell about a home on your initial walkthrough. Even if you make multiple trips to check things out, you can only see what is visible to the naked eye. You might notice that some rooms need a fresh coat of paint or that you need to replace the bathroom or kitchen fixtures. That walkthrough will not give you the chance to check out the foundation or the roof though. The home inspection will tell you the problems found and give you an idea of how much those problems will cost to fix.


Put in a Lower Offer

Having a home inspection done is smart because it can help you decide what type of offer to put in out that property. A good example is a house that you love that has some damage to the roof. The cost of a new roof or even a major repair can easily hit $5,000 or more. That is money that will come out of your pocket when you become the new owner. When you let the owner know how much you'll need to spend on repairs, you might get the home for a lower price.


Demand Repairs

If you cannot reach an agreement with the current owner to lower the price based on the results of the home inspection, you can request that the owner make some of the repairs to the house before you buy it. This often occurs when the owner knows that the house needs work and set the sale price too high. Owners will sometimes agree to do the work because they realize that no one else will pay the price they want. This will only work if the work done will bring the home up the value that the owner wants though.


The home inspection process only takes a few hours. Inspectors will walk around the property and get inside the house. They will make a full list of everything that is wrong and any issues they find, which can include problems in the plumbing and/or electrical systems. Though you might think that you can skip this step, you should really have a home inspection done before you agree to buy an older home. The inspection can reveal damage and issues you didn't see and help you work out the best price for the home with the old owners.

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Top 5 Benefits of Owning a Home
Posted on Fri, 30 Nov 2018, 02:30:00 PM  in Home buying tips,  My services
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Owning a home is everyone’s dream, there are many noticeable benefits of owning a home. If you are planning to purchase a home the first step you should take is to determine whether having a house is the right fit for you and your family. It is essential when making your decisions to strongly consider both the advantages and disadvantages of what you are deciding on.Top 5 Benefits of Owning a Home


Here are some of the benefits of having a place to call your home. Knowing some of the benefits of owning a home can help you make informed decisions and save some of your money in the long run.


Freedom to Own

The most obvious plus benefit of having your own home is being in the position to customize it to fit your lifestyle. The dream home you always think about will become a reality with the newly found freedom to design, renovate, decorate and add anything that your heart desires.


If you have your own home, you can add permanent fixtures or paint your walls with any color you wish without worrying about breaking or leasing restrictions or regulations.


Opportunity to Build Equity

When you hear individuals talking about homeownership and real estate, one of the most obvious words you will likely hear is equity. Equity in real estate or homeownership is the probable market value of a property without or minus the liens against it such as a mortgage. One of the excellent benefits of having a home is an opportunity to create or build equity.


The longer you own your home, the more you will have to pay towards the balance of any liens. As the principal balance of any liens gets lower and lower and hopefully the value of the home increases, the larger the equity.


Enhances Your Savings

Purchasing a home is a reliable and stable way of investing your cash. To make it even simpler, property or homeownership is a forced way of saving your money. For most individuals, paying for your monthly mortgage is not a cost; it is a payment to yourself, which allows for higher credit, overall profit and equity down the road. You should view your mortgage payments as maintaining an excellent financial discipline where you are investing in something that is bound to improve and grow over time.


You Enjoy Significant Tax Deductions

Homeownership can minimize the amount of money you pay in income tax every year. Your property tax and mortgage interest payments can be deduced from the federal taxes and other state taxes.


Certain closing expenses and mortgage discount points may also be tax deductible. During the early years of your loan, when the interests represent the bulk of your mortgage payment, the respective tax deductions can help you save a significant amount of money.


Build Your Credit

There are many factors that affect your credit score, and one of the most important is the length of your credit history. The best tip of boosting your credit score is to improve the average length of your credit accounts, and homeownership can help you accomplish this.


Since the current length of a mortgage is approximately 15 to 30 years, having a mortgage on your respective credit history is an excellent way to expand or lengthen the average of your current credit accounts.


You should understand that each month that you pay a mortgage on time; it indicates that you are a responsible borrower which not only improves your credit score but also increases the chances of approval of your future credit accounts.

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ZOI OUZAS Sales Representative
RE/MAX Garden City Realty Inc., Brokerage
64 Main Street West, Grimsby ON L3M 1R6
Office: (905)-945-0660 Office: (905)-563-8527


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