Heather and Wayne Newman
We can help you find your next home in the GTA!

Call us on our cell at
(905)717-2188 or
e-mail: Heather and Wayne Newman (wnewman@trebnet.com)
to view any home listed in the Greater Toronto Area

Sales Representatives


1 yr closed     2.89%
3 yr closed     2.79%
5 yr closed     2.79%
5 year closed variable 2.40%
Bank of Canada Qualifying Rate 4.74% (Feb 25, 2015)
-----Bank Prime-----
2.85% for TD, BMO and CIBC
Aug 6, 2015

Sutton Group
Sutton Group-Future Realty Inc. Brokerage
each office independently owned and operated
Realtors Know


Map of Newmarket AreaProperty information from
Realtors® across Canada

Google MAP of the

MAPS with
Aerial Photos

Links to Cities
and Towns in Ontario

Heather and Wayne's
Feature Homes - click here

Feature Home

The Toronto Real Estate Board (TREB) Statistics

Feature Home CHART - Real Estate Price Trends in the GTA - August 6, 2015  PDF Version Feature Home July 2015 Summary PDF Version

Financial Information about Purchasing a Home

  Homebuyers’ Road Map is a guide which will help Canadians better understand the home buying process as well as appreciate the importance of negotiating with lenders and researching government programs. Homebuyer's Road Map


The Government of Canada has decided to increase the mortgage insurance fees by 15% as of May 1, 2014. The new premium rates are for standard owner-occupied purchase applications submitted on or after May 1, 2014.
New CMHC Rates ----- New Genworth Rates.
e.g. If you are buying a home for $450,000 with 5% down payment after May 1, 2014, you would pay a premium of $14,175 instead of $12,375 (a mortgage payment increase of approximately $9.00 per month). CMHC states "This is not expected to have a material impact on the housing market".

Government of Canada - Ottawa caps insured mortgages at 25 years and set refinancing limit to 80%. Changes will be in effect as of July 9, 2012.(PDF file)

Renewable Energy

Canada Post Address Change

A great web site for anyone moving shortly!
Change your address and hold your mail

Carson Dunlop Reports

Carson Dunlop articles on homes and home inspection.

Holmes on Homes - HGTV

Mike Holmes videos on home maintenance.

Federal and Provincial Housing Initiatives

- First Time Home Buyers     RRSP Plan
    $750 Tax relief
    Land Transfer Tax refund

Land Transfer Tax

Land Transfer Tax Calculator

Provincial and Toronto Land Transfer Tax Rebates for First Time Buyers

New Housing and the HST

Ontario's Harmonized Sales Tax (HST)

New housing rebate for purchases of new houses.

Sutton Group Home Buyer's
 PDF Version

Federal Government Mortgage Changes

January 17, 2011
July 10, 2012