January 2015

Home Buyers Guide YOUR COMPREHENSIVE GUIDE TO BUYING A HOME WITH ELLIOT GORDON AND SLAVENS & ASSOCIATES

PRE P A R ED B Y

Elliot Gordon Salesperson

Office: 416.483.4337 Cell: 416.464.2696 [email protected] www.GordonTorontoHomes.com

Slavens & Associates Real Estate Inc., Brokerage 435 Eglinton Avenue West, Toronto, Ontario M5N 1A4

Office: 416.483.4337 Free: 1.877.560.8923 Fax: 416.483.1663 www.SlavensRealEstate.com

HOME BUYERS GUIDE PREPARED BY ELLIOT GORDON

Needs Analysis · Neighbourhoods · Price Range · Style of house (detached, semi, attached, townhouse, condo)? · Needs (number of bedrooms, parking, baths, access to TTC etc). Is this a five year or 10 year house? · What area influences do you enjoy/ require (green space, shopping, access to TTC, schools etc)? · Will you be willing to do renovations to get into an area you want or does it have to be in move in condition?

· Have you been pre-qualified from a bank or mortgage broker? · Will you have a sufficient deposit to be submitted with an offer? Is this money available in your savings/ chequing account? If not, when will you have access to it? · Are you going to withdraw from your RRSPs (if applicable)? · What kind of down payment are you looking at (5% to 20%)? Is this money available now? · What is your timeline for moving? · If you saw a house you liked after two weeks of looking would you be prepared (financially & mentally) to put in an offer?

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Reasons to Buy First and Then Sell If you have something very specific that you are looking for, then it would be better to buy first then sell.

It’s a Seller’s Market When there are many buyers in the market and the inventory of homes is low, properties generally sell within days of hitting the market. In this instance, there is little risk in buying first and selling second. However, since sellers will likely not accept a conditional offer on the sale of your home, you could be stuck owning two residences until your home sells. On top of that, you could pay top dollar for your new home, if you end up bidding in a multiple offer situation. Deal is Too Good to Wait Sometimes, regardless of the marketplace, a home will come on the market at a price that is too good to pass up. Perhaps the sellers are getting divorced, or have debts to pay off. You might want to be the first offer on the table if the sellers are extremely motivated to sell.

Conditional on Selling Your Home When you purchase a property, you can make it conditional on the sale of your current home. However, in a hot market, most sellers will not accept this condition. It’s Your Dream Home This is an emotional decision. As much as many buyers might want to be logical and analytical, people who let their hearts rule are anything but. Real estate is an emotional business, so those who fixate on owning a certain type of home may as well buy it when they first spot it.

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Reasons to Sell First and Then Buy Most buyers need the proceeds from the sale to move to their purchase. Selling first also gives you your bottom line of how much money you are walking away with.

Ability to Negotiate By selling first, you have the luxury of time. You don’t have to take the first offer that comes along because you already have a place to live. It’s called your home. Higher Sales Price Sellers who aren’t under pressure to sell often obtain higher sales prices because buyers realize the sellers are not desperate. Nothing yells “discount your offer” like a listing that reads: “seller motivated, bought another.”

Seller’s Option to Advance or Extend the Completion Date By writing in to the Agreement of Purchase and Sale that the seller has the option to advance or extend the completion date gives the seller some extra time to find their next home or allows them the chance to advance the closing if they have found it quickly. Renting After Closing Some sellers who want to take their time to find the perfect home, that one-in-a-million, will often opt to rent after closing. If the buyer doesn’t require immediate occupancy, the seller might rent back their own home for the amount of the buyer’s new mortgage payment. Or the seller might move out, put their belongings into storage and rent a furnished, short-term apartment.

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Market Update GTA REALTORS® Report Resale Housing Figures TORONTO, JANUARY 7, 2015

Toronto Real Estate Board President Paul Etherington announced that Greater Toronto REALTORS® reported 92,867 residential sales through the TorontoMLS system in 2014, including 4,446 in December. The calendar year 2014 sales result represented a 6.7 per cent increase over the 2013 sales figure of 87,049 and was just short of the record set in 2007. “TREB’s 2014 sales figures are a testament to the importance Greater Toronto Area households continue to place on home ownership. GTA households realize that home purchases have been a quality long-term investment. While home prices certainly increased substantially in 2014,

the purchase of an average priced home remained affordable, in terms of the average household’s ability to comfortably cover their monthly mortgage payments,” said Mr. Etherington. The average selling price continued to grow on a year-over-year basis in calendar year 2014, with an 8.4 per cent increase over calendar year 2013 to $566,726. This included a seven per cent increase in the December 2014 average selling price to $556,602. Throughout 2014, annual increases in the average selling price and the MLS® HPI Composite Benchmark were consistently reported on a monthly basis for most market segments, from

detached homes through to condominium apartments. “The strong price growth we experienced in 2014 can be explained with two words: listings shortage. The constrained supply of listings was especially evident for low-rise home types like singles, semis and town houses. The number of households looking to purchase these home types increased, while the number of homes from which they could choose decreased. This situation resulted in more competition between buyers and more aggressive offers,” said Jason Mercer, TREB’s Director of Market Analysis.

SUMMARY OF SALES AND AVERAGE PRICE December 2014

December 2013

Average

New

Price

Listings

1,762

$574,539

1,899

Rest of GTA

2,684

$544,828

All of GTA

4,446

$556,602

Sales City of Toronto

Listings

% Change in Sales

% Change in Price

% Change in New Listing

$542,155

1,692

+ 12.4%

+ 6.0%

+ 12.2%

2,490

$506,356

2,370

+ 7.8%

+ 7.6%

+ 7.6%

4,058

$520,189

4,062

+ 9.6%

+ 7.0%

+ 9.5%

Average

New

Price

1,568

2,549 4,448

Sales

SOURCE: TORONTO REAL ESTATE BOARD

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Meet Elliot Gordon Elliot has been helping his clients Make The Right Move in Toronto Real Estate since 2005. As a result of his easy going personality and well-honed sense of humour, Elliot has a unique ability to relieve his clients’ stress while navigating the complex Toronto Real Estate market.

Elliot Gordon Salesperson “Integrity is everything to me. I do not hesitate to tell my clients the pros as well as the cons of every home buying or selling opportunity.”

Elliot’s goal is simple: satisfied clients. Providing years of real estate experience, top-notch professional service, in-depth market knowledge, and an enjoyable experience, Elliot continues to meet this goal. Elliot incorporates the services of a trusted administrative and sales team at Slavens & Associates Real Estate. The team enables him to bring an unparalleled level of service to his clients and offers attention to detail in all aspects of your real estate experience. Elliot gratefully acknowledges the incredible support he’s received from his clients who have recommended him to their family, friends, and colleagues. The trust and confidence they have placed in him is reflected through these recommendations.

Why Elliot? › Full Time Realtor › My Track Record – I outsell the average Toronto Realtor 4:1 › My Promise: I will always tell you the truth AND no one will outwork me › When you hire me, you hire the entire Slavens Team: 70+ salespeople who on average are currently working with 3 buyers. That means immediate exposure to over 200 potential purchasers!

Education › › › › ›

Real Property Law Mortgage Assumption & Portability Principles of Property Management Title Insurance Seller Property Information Statement Update

References 1. Brent Arnold: [email protected] 2. Jeffrey Klam: [email protected] 3. Francine Lindenbaum: [email protected] 4. Michael Spence: [email protected]

Whether you’re looking to buy, sell, or lease property in the Greater Toronto Area, Elliot will provide you with the quality of service you’d expect and deserve. 416.483.4337 slavensrealestate.com

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Testimonials Rebecca and Mark Chaikelson

Elliot is professional, patient, and well organized. He was up to date, readily available to go look at as many houses as we wanted, and he acted as a great resource of information. Most importantly, he made the experience fun with his warm personality and his incredible sense of humor. Purchasing a home can be a stressful experience, but working with Elliot was seamless and a true pleasure. It should go without saying – we highly recommend him! Allison & Matthew Derkson

Elliot guided us through the often intimidating process of purchasing a home in Toronto with professionalism, dedication and a well-honed sense of humour. We cannot emphasize enough his patience, responsiveness and ability to provide us with sound advice based on his years of experience. We have no hesitation in recommending him as a real estate agent and have already done so numerous times to family and friends. Jamie Simpson

Elliot rocks. Buying a house isn’t exactly the most stress-free experience but Elliot made the process as painless as possible. He picked up quickly on our likes and dislikes and made sure we only looked at properties that made sense. When it came time to close on our dream house Elliot got the job done like a champ. Marcie & Michael Stern

Elliot consistently went above and beyond what we expected from our real estate agent. Throughout the process, we were continually impressed by Elliot’s patience and dedication to helping us find a home that was perfect for us. We were also impressed by his great sense of humour! Elliot proved himself to be a completely trustworthy and honest advisor throughout this process. We won’t hesitate to refer him to anyone looking to buy or sell a home since we have the utmost faith in his abilities. Laura Childs

Elliot was an absolute pleasure to work with. While we bought our first house with Elliot, we also sold our loft in King West. His patience, diligence and knowledge of the market was a key to our success in finding our home. His unwavering commitment to us and constant communication was wonderful and we would not hesitate to use him again and have passed his name onto others. Karen Brozina-Hawley

Elliot was recommended to us by friends, and we quickly came to appreciate why they thought so highly of him. Wellinformed, Elliot patiently explained the ins and outs of home ownership. His genuine, optimistic, and light-hearted approach was always appreciated. Many thanks for your patience, persistence and good humour throughout our house-hunting adventure. Working with you made, what could have been an ordeal, into a fun, exciting, and even enlightening journey.

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HOME BUYERS GUIDE PREPARED BY ELLIOT GORDON

How We Will Work Together 1.

Elliot Gordon

Before you begin your search, I recommend that you contact a mortgage broker to determine how much money you can borrow to purchase a home. This amount plus your deposit will become the budget for your home search. If your down payment is less than 20% of the purchase price then you will be required to pay mortgage insurance (between 0.5% and 3.75% of the amount borrowed) which is rolled into your mortgage.

5.

If there is a property that catches your eye, please email me the MLS# (located underneath the photo in the upper left corner) and provide me with your availability to view the property.

6.

I will set up appointments to see each listing. After I receive confirmation from the listing agent’s office, I will contact you to let you know where we are to meet. A showing can take between 5 minutes to 20 minutes depending on your level of interest.

7.

Following each showing, we will discuss your likes and dislikes of the property. This will assist me in understanding what you are looking for in your ideal home.

8.

The process of finding the right place can vary from a few weeks to a few months.

9.

When you find the house that you would like to purchase, I will provide you with comparable sales in the area in order to establish an offer price. If you are in a multiple offer situation, the rules of the game change dramatically, and the final selling price is likely to exceed the list price. In these situations it is imperative that you do not get emotionally involved in the process. If you offer $100,000 over asking, you may end up winning the bidding war, but your lending institution may not appraise the house for the amount that you paid, and you will be responsible to make up the difference. In short, know your budget and stick to it!

Salesperson 2. Office: (416) 483-4337 Mobile: (416) 464-2696 Email: [email protected]

3.

4.

It is important that you find a lawyer who specializes in real estate. It is preferable to find a lawyer before your search begins so that the process runs smoothly once the offer is accepted. Once a deal is reached, the lawyer takes over and ensures the deal closes on schedule. Determine your search criteria so that I can provide you with a proper list of properties to view: budget, location, number of bedrooms, number of washrooms, number of parking spots, property type (detached, semi-detached, townhouse, condo), property style (bungalow, 2-storey), as well as any other requirements such as an inground pool, central air conditioning, basement apartment, etc. You will receive daily e-mails of new properties matching your search criteria.

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How We Will Work Together

(continued)

16. Congratulations! Your offer is now firm and you have “x” days before you take possession of your home. During this period, you can visit the property for the purpose of taking measurements and 11. When it comes time to signing the offer, I decorating (the number of times must be will explain all the clauses in the Agreement 14. If you are buying a condominium, your offer stipulated in the agreement). Your lawyer will likely be conditional on your solicitor’s of Purchase and Sale. You will submit a will be hard at work making sure the approval of the Status Certificate. This deposit with the offer that is approximately transaction runs smoothly by performing document outlines the current financial 5% of the purchase price. The money must the appropriate land searches. You’ll need status of the condo corporation as of the be in the form of a certified cheque, bank to make arrangements with the utilities date of issue. The condo corporation has draft, or money order made out to the (gas, water, cable, hydro, phone) to let 10 days to issue the document (usually listing brokerage in trust. them know you’ll be moving in. You’ll also at the expense of the seller) and once have to arrange home insurance. It would provided to your lawyer, he or she will have 12. You can make an offer conditional on be wise to book a mover immediately, an additional 3 days to review it. If it is met any number of things, the most common especially if you are closing at the end of a with approval, you will sign a waiver and being financing and inspection. If your month which is when moving companies the deal will firm up. conditional offer is accepted, you will have are normally at their busiest. Please see the an agreed upon number of days to fulfill Moving Checklist on the following page. the conditions. If all the conditions are met, 15. Over the last few years, the Toronto market has experienced a real estate boom and you will sign a waiver and the agreement 17. Possession day has arrived! During the as such there have been many instances will become firm. If, for example, you are day, your lawyer will electronically transfer of multiple offers. When faced with the unsuccessful at obtaining proper financing title from the seller’s name into your name, prospect of competing against 8 or 10 or the home does not pass inspection, the monies will be exchanged and once the other buyers, it is wise to perform your deal will fall through, you will sign a Mutual transaction is completed, your lawyer will due diligence prior to the offer date so that Release, and your deposit will be returned be given direction to hand over the keys you can enter the bidding war with a firm in full. to your new home. Congratulations - the offer, ie no conditions. Obviously offer price home buying process is now complete. and possession date are other factors in 13. A home inspection is essential when you determining whether your offer is accepted purchase a home. An inspector may reveal but your chances are drastically lower if issues with the home that can seriously you enter the process with a conditional affect your decision as to whether or not offer. Perform the home inspection and to proceed with the purchase. Insurance get approved for financing prior to the issues are of particular importance when it offer date to improve your chances of comes to a home inspection. For example, succeeding in a multiple offer situation. many insurance companies will not insure a house if there’s evidence of a buried oil tank or if it has Knob and Tube wiring. Also, there are many neighbourhoods in the City of Toronto that are infested with termites. 10. Once we see a place that matches your needs, we prepare the Agreement of Purchase and Sale.

If you choose to buy in one of these areas, it is wise to have the property inspected by a certified termite inspector before proceeding.

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Documents Working with a Realtor

FINTRAC

At the first practical opportunity, I will present you with a document entitled Working with a Realtor. The pamphlet explains the different types of representation in the industry and by initialing and signing it, you acknowledge having read and understood its contents.

As of June 23, 2008, the Federal Government through the Financial Transactions and Reports Analysis Centres of Canada (FINTRAC) requires Realtors to document the personal information of all parties to a real estate transaction. FINTRAC receives, analyzes, assesses, and discloses financial intelligence on suspected money laundering, terrorist financing and threats to security of Canada. As a buyer you will be asked to provide identification driver’s license, passport, or birth certificate. I will record the information but will not need to photocopy the document. When you submit an offer on a property, you will also be required to indicate the account information from which the deposit monies were drawn.

Buyer Representation Agreement Next I will present you with a Buyer Representation Agreement which is an agreement that formally documents our exclusive relationship for a defined geographical area and time period.

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Additional Closing Costs

· · · ·

Provincial Land Transfer Tax (LTT)

First-Time Buyer Rebate

Disbursements

1. Provincial LTT is payable anywhere in

First-time buyers of new and re-sale homes are eligible to receive rebates of the Provincial and Toronto land transfer taxes. The maximum Provincial land transfer tax rebate for first-time buyers is $2,000 (equivalent to the Provincial LTT payable on a $227,500 property) and the maximum Toronto LTT rebate for first time buyers is $3,725 (equivalent to the Toronto LTT payable on a $400,000 property).

These are approximate disbursements for a purchase in the City of Toronto

Ontario (including Toronto) 2. The provincial LTT for residential properties is calculated as follows: 0.5% of the amount of the purchase price up to and including $55,000, plus 1% of the amount of the purchase price between $55,000 and $250,000, plus 1.5% of the amount of the purchase price between $250,000 and $400,000, plus 2% of the amount of the purchase price above $400,000

First-Time Buyer Eligibility

Toronto Land Transfer Tax 1. Toronto LTT is payable only for properties

in the City of Toronto.

·

2. Toronto LTT rebates are in addition to

any provincial LTT rebate for which the buyer qualifies. 3. The Toronto LTT for residential properties is calculated as follows: · 0.5% of the amount of the purchase price up to and including $55,000, plus · 1% of the amount of the purchase price between $55,000 and $400,000, plus · 2% of the amount of the purchase price above $400,000

·

·

·

To be eligible as a first-time buyer for the provincial LTT rebate and/or Toronto LTT rebate, The purchaser must be at least 18 years of age. The purchaser must occupy the home as his or her principal residence no later than nine months after the date of the conveyance or disposition. The purchaser cannot have previously owned a home, or had any ownership interest in a home, anywhere in the world, at any time. If the purchaser has a spouse, the spouse cannot have owned a home, or had any ownership interest in a home, anywhere in the world while he or she was the purchaser’s spouse. If this is the case, NO refund is available to either spouse. Note: If a purchaser’s spouse owned an interest in a home BEFORE becoming the purchaser’s spouse, but not while the purchaser’s spouse, the purchaser may be eligible for some rebate.

1. Title Search: $125 and up 2. Tax Department: $65 3. Water Department: $25 4. Building Department: $120.48 5. Registration of Transfer: $70.50 6. Registration of Mortgage: $70.50 7. Execution Certificate: $11 per search 8. Title Insurance: Policies for an average house under $500,000 are approximately $324.00 including taxes and for a condo under $500,000 are approximately $178.00 including taxes. The title insurance companies charge $1 per thousand for the value of the house over $500,000. They also charge additional fees for second and third mortgages if required. All cash transactions are slightly cheaper. 9. There will also be photocopy and fax charges from the solicitor, along with closing fees and courier charges. 10. There will also be photocopy and fax charges from the solicitor, along with closing fees and courier charges. SOURCE: GOLDSTEIN LAW

SOURCE: PICOV & KLEINBERG BARRISTERS AND SOLICITORS

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Buyer Programs and Incentives REALTORS’® lobbying efforts achieved significant victories in the 2009 Federal Budget, including the expansion of the RRSP Homebuyers’ Plan and the creation of a First-Time Home Buyers’ Tax Credit.

Homebuyers' Plan · The withdrawal limit for first-time homebuyers using the Homebuyers Plan increased from $20,000 to $25,000 (per individual). · Under this program, first-time homebuyers are allowed to withdraw funds from their RRSP, tax-free, to put towards the down payment on a home. Amounts withdrawn under the HBP must be repaid over a 15-year period, starting the second year following the year of the withdrawal. · Since 1992, an estimated 2 million Canadians have used the Home Buyers' Plan to purchase approximately 900,000 homes, making this program a huge success. Unfortunately, as time has passed, the usefulness of this program eroded because withdrawal limits were not adjusted. For this reason, REALTORS® lobbied the federal government to increase the Home Buyers' Plan withdrawal limit to $25,000.

First-Time Home Buyers’ Tax Credit · A 15 per cent credit that is applied to a $5,000 amount, and provides up to $750 in tax relief to reduce costs associated with first home purchases. · To assist first-time home buyers with the costs related to the purchase of a home such as legal fees, land transfer taxes, etc.

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Insurance Issues Knob and Tube Wiring Many insurance companies now consider knob and tube wiring unsafe or a significantly higher risk. If you purchase a home that was built prior to the 1950s, it will most likely contain knob and tube wiring unless it has been updated. Buyers of such homes will soon discover that they cannot obtain insurance for the house. No insurance - no mortgage. No mortgage - no real estate transaction. Knob and tube wiring requires two wires to create a circuit. With modern wiring, these two wires (along with a ground wire) are bundled together in a single plastic sheathing. Knob and tube wiring was installed so that the two wires ran separately. Modern wiring runs directly through holes in the structural components (such as floor joists). Knob and tube wiring used protective ceramic tubes placed in the holes to prevent the wire from chafing against the woodwork. Modern wiring uses staples to hold the wiring against structural members. Knob and tube wiring used more elaborate ceramic knobs to clamp the wire to the structural member. Knob and tube wiring, on its own, is not inherently a problem. If it was installed properly and has not been abused, it can provide many more years of service. The

Underground Oil Tanks biggest problem has nothing to do with the original wiring but everything to do with what has happened after the fact. Most old houses do not have as many electrical circuits as new houses. If a circuit became overtaxed and 15 amp fuses were constantly blowing, some ill informed home owners would put in 25 or 30 amp fuses to “solve” the problem. If one allows 25 or 30 amps to flow through a wire which was not intended to handle that much electricity, it will cause the wire to overheat which in turn will cause the wire and its insulation to become brittle. In addition, some home owners also decided to add additional outlets in the house and to tie the new outlets into the old wiring. Instead of making proper connections which are soldered and appropriately protected, many home owners did their own substandard work. It is wiring that has been abused that is potentially dangerous. There are several companies that will insurance homes with knob and tube wiring but at a higher premium while other companies will provide the owner with a small period of time to remove the knob and tube and update the home with modern copper wiring. Call your home insurance company to ascertain their policy regarding knob and tube wiring.

While environmental issues are typically beyond the scope of a standard home inspection, the issue of buried oil tanks can occasionally rear its ugly head in a real estate transaction. According to Provincial legislation, abandoned underground fuel tanks must be removed. An underground oil tank which has not been used for two years must have the product removed from the tank and the tank removed from the ground. The soil around the tank must then be tested for contamination. Any contaminated soil must be removed and the cavity filled to grade level with clean fill. All work must be done by a registered contractor. In straight forward cases, soil testing and tank removal will likely cost a minimum of $3,000. However, if any contaminated soil is discovered, costs can skyrocket. Buried residential oil tanks are not all that common in Southern Ontario, however, if you discover oil fill lines and you cannot find the tank or the location where the tank was removed from the basement, you may have just stumbled across a buried one. In some neighborhoods, oil was once supplied to houses from a central storage tank via underground piping. In these cases the tank is not on the property and consequently it is of no concern.

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Agency Relationships

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Buyer Representation Agreement

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Buyer Representation Agreement

HOME BUYERS GUIDE PREPARED BY ELLIOT GORDON

Buyer Representation Agreement

HOME BUYERS GUIDE PREPARED BY ELLIOT GORDON

FINTRAC

HOME BUYERS GUIDE PREPARED BY ELLIOT GORDON

Slavens Client Advantage Program The Slavens Client Advantage The Team at Slavens & Associates is committed to providing our clients exceptional service from the start of your Buying or Selling process to your final closing and beyond. Please see our website for a full list of special offers made exclusive to all Slavens clientele by our Advantage partners.

Visit www.slavensrealestate.com for full details

our partners

www.slavensrealestate.com

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Contacts Mortgage Brokers

Termite Inspector

Lawyers

John Chrisanthidis, AMP Mortgage Intelligence Tel: 416.450.9571 [email protected] www.migroup.ca/johnchrisanthidis

Richard Murphy AETNA Tel: 416.469.4111 [email protected] www.aetnapest.ca

David J. Goldstein, M.S.W., LL.B. Solicitor-At-Law Tel: 416.850.2305 [email protected]

Steven Dupont RBC Mortgage Specilist Tel: 647.341.4330 [email protected] Rod Kowalchuk - AMP VERICO RedPath Financial Mortgage Broker Tel: 416.366.PATH (7284) www.redpathfinancial.com [email protected] Caryn Negin Mortgage Agent Tel: 416.230.2052 [email protected] www.mortgagegenius.ca

Home Inspectors Robert Hermann Homecore Inc. Inspection Services Tel: 416.274.6651 [email protected] www.Homecore.ca Joe Roberto Lighthouse Inspections Tel: 416.867.8998 [email protected] www.lighthouseinspections.com

Ken Picov Picov & Kleinberg, Barristers & Solicitors Tel: 416.488.2100 [email protected] www.picovkleinberg.com Maxim Zavet, BA, LL.B. Levy Zavet LLP Tel: 416.777.2244 x790 [email protected] www.levyzavet.com

Carson Dunlop Consulting Engineers Tel: 416.964.9415 [email protected] www.carsondunlop.com

This directory is for reference only. Slavens & Associates Real Estate Inc. does not warrant or guarantee any of the services or information provided by any of the organizations or companies listed.

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Directory of Services Government Agencies / Businesses

School Districts

Access Toronto (311)

(416) 338-0338

Toronto Public

(416) 397-3000

Bell Canada

(416) 310-2355

Toronto Catholic

(416) 222-8282

Enbridge Gas

(877) 736-1502

York Public

(416) 394-2270

Ministry of Transportation

(416) 235-2999

York Catholic

Tarion Warranty Corporation

(416) 229-9200

Etobicoke

(416) 394-7000

Landlord and Tenant Board

(888) 332-3234

East York

(416) 396-2000

Right of Way Mgmt - North York

(416) 395-6303

Right of Way Mgmt - Toronto & East York

(416) 392-7877

Rogers Cable

(416) 448-7333

Toronto Street Permit Parking

(416) 392-7873

Toronto Building Department

(416) 392-7501

Toronto Hydro

(416) 542-3000

Toronto Water

(416) 338-4829

(905) 713-2711

This directory is for reference only. Slavens & Associates Real Estate Inc. does not warrant or guarantee any of the services or information provided by any of the organizations or companies listed.

HOME BUYERS GUIDE PREPARED BY ELLIOT GORDON

Moving Checklist MOVING MOVING IN OUT

UTILITIES & SERVICES

MOVING MOVING IN OUT

INSURANCE AGENCIES

Appliance Services

Accident

Cable T.V.

Business & Professional

Electric

Civic / Life

Fuel

Personal Property

Garbage Gas Telephone Water

FEDERAL

Canada Pension Plan Family Allowance Old Age Security

PERSONAL SERVICES

Post Office

Broker

Unemployment Insurance

Dentist

Veteran Affairs

Doctor

Driver’s Licence / Insurance

Lawyer

Health Card & Hospital

ESTABLISHED BUSINESS ACCOUNTS

PUBLICATIONS

Banker / Banks

Book & Record Clubs

Charge Accounts

Fraternal

Credit Cards

Magazines

Department Stores

Newspapers

Diaper Services

Professional

Drug Store Dry Cleaner Finance Companies Laundry Service Stations Gardener

PEOPLE & ORGANIZATIONS

Athletic & Health Business & Professional Business Associates Church/Synagogue Civic

LOCAL

Alumni

Library

Friends & Relatives

Schools

Social Groups Employer (Human Resources)

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Toronto - West

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Toronto - Central

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Toronto - East

HOME BUYERS GUIDE PREPARED BY ELLIOT GORDON

Slavens & Associates Real Estate Slavens & Associates, one of Toronto’s leading boutique Brokerages, specializes in the sale of residential and commercial properties. Owned and operated by Richard Sherman, Broker of Record and Darren Slavens, Vice President, our client services include property management, investment opportunities and in-house mortgage financing.

Full Service Boutique Brokerage

Sales FORCE

Client Advantage Program

Supported by an unmatched administrative team that offers attention to detail in all aspects of your real estate experience.

70 + full time agents who possess a wealth of experience, energy, skill, market expertise and top notch education.

Special offers from our Advantage Partners made exclusive to all Slavens clientele.

Brand Name Recognition

Management Support

Recognized by Who’s Who in Luxury Real Estate

A prestigious real estate history with thousands of homes sold under the Slavens name.

Hands on management team with over 60 years of combined real estate experience who work tirelessly for our clients.

The world’s largest database of luxury listings providing a global reach to attract buyers from over 60 countries.

Team Environment

Industry Leading Client Service

A collegial atmosphere fuelled by cooperation and mutual respect.

Whether you’re selling a $300,000 condo or a $10 Million house, Slavens salespeople will provide you the finest client experience.

Unparalleled Reputation Recognized throughout the GTA for our professionalism, higher standards, impeccable ethics and integrity.

Community Involvement Real Estate Marketing At the forefront of online marketing initiatives including an innovative website and cutting edge social media presence to attract both local and international buyers.

Supporting various charitable endeavours, including North York General through our Slavens Gives Back events.

416.483.4337 slavensrealestate.com

HOME BUYERS GUIDE PREPARED BY ELLIOT GORDON

Meet Our Team Richard Sherman

Darren Slavens

Daniel Pustil

Liz Garcia

Broker of Record

Vice President / Broker

Vice President / Salesperson

Broker / Manager

Chris Allen, Salesperson Alberto Anabalon, Salesperson Francesco Armogida, Salesperson Erica Binder, Salesperson Barbie Brandes, Salesperson Ellie Burns, Salesperson Ron Chichora, Broker John Chrisanthidis, Mortgage Specialist Betty Cohen, Salesperson Carol Cotton, Salesperson Michael Cotton, Salesperson Jane Curran, Salesperson Joanna Davidson, Salesperson Paul Dombrow, Salesperson Annie Duncan, Administrative Staff Irena Elina, Salesperson Linda Evans, Salesperson Marlene Federman, Salesperson Patty Fleischman, Salesperson Cheene Foster, Salesperson Dominique Fuseau, Salesperson David Gale, Salesperson Elaine Goldenberg-Pike, Salesperson

Mark Gomes, Salesperson Natalie Gomes, Administrative Staff Elliot Gordon, Salesperson Darren Huot, Salesperson Barbara Kaplan, Salesperson Ruth Kaufman, Salesperson Sabrina Kaufman, Salesperson Elaine Kehoe, Salesperson Phyllis Keller, Broker Eileen Lasswell, Salesperson Dave Lau, Salesperson Ed Lau, Salesperson Susan Lee, Broker Dominic Longo, Salesperson Ann MacNaughton, Salesperson Amanda Miller, Salesperson Lynn Mitchell, Salesperson Aylar Mousavi, Salesperson Emily Naretto, Broker Nicole Nusca, Salesperson Corinne Pencer, Salesperson Greg Plante, Broker Lena Rauchwerger, Salesperson

Mirella Regalado, Salesperson Andrew Roher, Salesperson Ed Rojas, Salesperson Jenny Romero, Salesperson Linda Rose, Salesperson Jerry Sandler, Salesperson Cindy Schaefer, Salesperson Brian Schneidman, Salesperson Ellen Schneidman, Salesperson Mathew Sherman, Salesperson Jeffrey Shiff, Salesperson Marc Shleifman, Salesperson Shawnee Slan, Salesperson David Steinhouse, Salesperson Sam Stemer, Salesperson Donna Taylor, Salesperson Roshan Tejani, Salesperson Heather Thompson, Administrative Staff Mary Verni, Salesperson Donald J. Wagman, Broker Edith Weiss, Salesperson Eden Williams, Salesperson Davenport Location

We are the difference that gets results!

416.483.4337 slavensrealestate.com