Suite 3 is now available for preview! 15 Scarth, a gorgeous Victorian on a massive 65' x 242' lot, has been converted into 4 exclusive condos. Tara Fingold has designed truly sumptuous suites - state of the art facilities, bright and airy spaces, and a superb blend of contemporary finishes that complement a gorgeous and timeless Victorian mansion.

This unit is 2385 square feet, with gorgeous 265 square foot balconies. Stunning views of a mature treed lot. Truly a garden oasis.

Great location - minutes from public transportation, a short drive dowtown, walking distance to Yorkville and some of the best schools in Toronto. More details here.

Unit 3 floor plan

Pricing available upon request.

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A majestic Rosedale Victorian has been completely renovated! Four stunning condo suites will be released in the spring, situated on massive 65' X 242' lot. Designed by Tara Fingold, this renovation is unrivalled in quality and design.

The lower level features expansive, sun-filled spaces with striking contemporary designs. 3,345 square feet provides a bright and spacious 3 bedroom, 3 bathroom design with a private courtyard and walk-out terrace. This unit is ideal for families or urban dwellers - two car garage parking, close to transportation, and a walk from some of the best that the city has to offer.

15 Scarth Road Lower Level Floorplan

Please contact us for more info, or call us directly at 416-294-5152!

This listing will be updated as new information appears.

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4 luxurious condo units are almost ready! Built by Parkview and designed by Tara Fingold, these condo units were created from a stunning historic residence. Situated on a quiet coveted street in the heart of South Rosedale, these units are an immaculately refined and contemporary renovation of this century-old Richardsonian Romanesque home. A superb renovation, this project has retained the home’s historic charm while creating dramatic contemporary environments within, suiting both families and urban city dwellers.

Attention to detail is evident with none other than the finest of contemporary finishes.

Enjoy the luxuries of outdoor entertaining and relaxation within your professionally-landscaped and tree-lined garden oasis with great city views. Take a stroll to Yorkville where the finest shops and restaurants await! With the downtown core, TTC and great schools (including Branksome) all just minutes away, these magnificent units truly offers all the finest that South Rosedalehas to offer!

For a sneak preview, please contact us! Check back in the coming months for more details.

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Awesome Toronto Architecture

According to Visually, Toronto is one of the most Instagrammed cities in the world. By the numbers, Toronto beats Las Vegas, Hong Kong, Tokyo, Berlin and Madrid!

  • 15 – Madrid 16.68m
  • 14 – Berlin 18.17m
  • 13 – Las Vegas 18.46m
  • 12 – Tokyo 18.69m
  • 11 – Toronto 18.72m
  • 10 – Moscow 22.09m
  • 9 – Los Angeles 23.65m
  • 8 – Barcelona 23.87m
  • 7 – Chicago 24.15m
  • 6 – Miami 32.74m
  • 5 – Istanbul 35.36m
  • 4 – Dubai 46.26m
  • 3 – Paris 55.17m
  • 2 – London 64.54m
  • 1 – New York 68.04m
London and New York were no surprise as number 1 and 2, but I must admit that I was surprised by Istanbul being number 5. Adding Istanbul to my bucket list!
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70 Chalk Lake dock and sunset

Rare building lot with 99' frontage on exclusive lake - ONLY 45 MINUTES from downtown Toronto! Build your dream home surrounded by beautiful tranquility. The ultimate destination for an outdoors enthusiast, this 99' lake frontage on Chalk Lake allows access to an artesian fed lake that reaches 30c in the summer. A pure, pristine lake known for its water quality, this lake has only 20 residences on it. Surrounded by 5 golf courses, 3 ski hills, horse stables, and miles of hiking, biking, and horse trails. Short drive to Port Perry and Whitby.

Almost half an acre (99' X 185') will allow you to build a 5000 sq ft dream home. Hydro on site. Take this opportunity to build your dream home! Close to 407, 412, 401, and Hwy #12.

More details here!

Environmental Impact Survey and Geotechnical survey are available...this lot is ready for permits and construction!

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This North Rosedale treasure on prestigious Saint Andrews Gardens awaits its new owner to create their dream home. With original architectural and artful details, sun-filled gracious principal rooms, a 40 foot lot, over 4100 square feet including lower level, 6 bedrooms, a den, office, sunroom and original cloak room, and a superb location on one of Rosedale’s best family streets, this house is the ideal dream home-to-be. Gorgeous curb appeal with a spacious front porch will be perfect for that morning coffee overlooking your garden oasis. Move in and explore the possibilities on one of the most sought after streets in Rosedale. Summerhill Market and Rosedale’s Finest are just outside your backyard; excellent private and public schools including Whitney, OLPH & Branksome are within walking distance, Evergreen Brickworks, Chorley Park, and Rosedale Park are a minutes walk from home, and a short commute to the city centre makes this home ideal for an urbane family.

More info click here.

List Price: $3,150,000


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Rare opportunity to own this historic residence situated in the heart of prestigious North Rosedale! An immaculately-refined and contemporary renovation of this century-old Edwardian home successfully aimed to retain the home’s historic charm while creating contemporary environments and conveniences within; sophisticated and inviting rooms are ideal for entertaining and extremely comfortable family living. With excellent private and public schools within walking distance, fantastic ravine walks, and a short commute to the city centre this home is ideal for an urbane family.

With over 8700 square feet including lower level and a generous 68’ lot, this 6+1 bedroom, 7 bathroom home features great entertaining spaces, a luxurious master retreat with sitting area and walk-in closet, eat-in chef’s kitchen with a breakfast/family area with wall-to-wall windows, butler’s pantry, wine cellar, two family rooms, mud-room, five fireplaces, second floor library with wet bar and many additional urbane comforts.

Attention to detail is evident with none other than the finest of details such as Herringbone Oak floors, leaded glass pane doors, Calcutta d’Oro counters, marble bathrooms throughout, built-in speakers and sound system, Limestone flooring, detailed plaster ceiling molding and much more! The tranquil garden is a private oasis professionally landscaped with stone terrace, covered porch with mature trees, and dramatic outdoor lighting both front and back.  Additional highlights include a detached 2-car garage, parking for four extra cars, three private balconies, a spacious finished basement with oversized recreation/exercise room, potential nanny suite, spa bathroom and ample storage rooms.  Perfect for the family that wants it all!

List Price: $5,395,000

More info click here.

Video click here.

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Enjoy the luxuries of 350 Lonsdale, ‘The Lonsdale House’, one of the most sought after boutique condominiums nestled in the heart of prestigious Forest Hill. This outstanding and elegant and sun filled unit features 2 bedrooms, 2 bathrooms, a gorgeous terrace overlooking the ravine, with a fantastic open concept layout with full eat-in kitchen. Amenities include 24 hour concierge, a large party room, exercise room, sauna, tons of visitor parking and a rooftop deck with indoor pool, parking and locker. Steps away to the finest restaurants & cafes, shops, Forest Hill village, fantastic ravine walks, and the TTC. This condo offers all the comforts and convenience of the very best in city living.

Listed for $895,000

Click for more info...

Click for video tour...

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New mortgage rules have been making the headlines recently, and we’ve had a lot of questions from past and future clients asking how these rules will change their home value and investments. Lets first look at what has changed, and then how this might impact your home’s value.

  1. Mortgage applicants will have to qualify at a higher rate. This month, the Mortgage Qualifying Rate (MQR) will be applied to ALL loan applicants - it used to be applied to only high-ratio loans. Even if the loan rate is 2.29% (current 5 year fixed rates), any Government insured mortgage will require that you qualify for the loan at a higher rate (currently 4.64%). This ensures that the applicant will be able to carry their mortgage in a higher interest rate environment. Effectively, this new rule will mean that the average applicant will qualify for a smaller mortgage amount than before, or will have a higher rate because they will need insurance that isn’t effectively backed by the Government.
  1. The Government will no longer insure low-ratio mortgages for refinancing, rental, properties over $1m, 35 year amortizations…the list goes on. Low ratio mortgages (those with 20% or more equity in their home) used to have more lenient rules than high ratio mortgages for obtaining portfolio insurance. Because these mortgages will not qualify for Government back-stopped portfolio insurance, the cost to insure these mortgages will increase. That cost will be passed on to the consumer as increased interest rates.

What do these changes mean to the average home buyer in Toronto? Well, for most purchasers, it will likely mean that they will either qualify for a smaller mortgage amount, be paying a higher mortgage interest rate, or both. Then again, there are many lenders today that will waive the additional interest rate and insure the mortgage themselves. If that stops tomorrow, would a potential buyer be discouraged from purchasing a home by a 2.59% versus a 2.39% mortgage? In my opinion, the difference is so small that the answer is no – on a $1 million mortgage, that would amount to an extra $100 per month. That isn’t a market-breaking change.

So, why are so many real estate insiders shouting so loudly about these changes? We believe that these changes are good and will help the market in the long term; they protect the consumer and the bank by qualifying at a higher rate, and protect the taxpayer by moving some of the risk of mortgage insurance away from the public purse. For our clients that actually live in their houses, we think that these are great changes. While fairly insignificant, they do help to put a bit of a break on a rampant market. A 20% rise in Toronto's real estate prices is unsustainable, and no market is immune to corrections. For our clients that invest in residential real estate, we’ve already spoken about this market and what the risks are. We're all for these changes, and believe they will lead to a healthier market in the long term.

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Charming detached home in sought after Moore Park

Charming, detached home on a cul-de-sac in sought-after Moore Park! Across from the Belt Line Trail and Evergreen Brickworks, this family dream home is in district for 2 of the top 10 rated schools in Ontario (O.L.P.H. & Deer Park). Full of architectural charm and styled with loads of character, this special Moore Park home features an open concept kitchen/ family room overlooking a lush garden oasis complete with a gorgeous deck in a private backyard for entertaining. It’s a bright and cheerful house with 3 bedrooms, 2 bathrooms, a private drive, fireplaces, a second floor deck, and a finished basement equipped with playroom and potential nanny suite area. Minutes to TTC, shops, and restaurants. For more information on our new listing, please e-mail us.

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Nuit Blanche


In summer, Wednesdays became date night with the Open Roof Festival and Fresh Wednesdays at Nathan Phillips Square. Music festivals, street festivals, and TIFF rocked our great city. Coming into Fall, the events keep coming!
September 20 – 29: Walk of Fame Festival
Free concerts at Yonge and Dundas square, Massey Hall concerts, and a ‘Future Legends’ rising star music showcase at the Legendary Horseshoe Tavern. If you miss live music like I do, this is a great chance to catch up! 100% Canadian entertainment, and access to some of the top up and coming talent!
October 1: Nuit Blanche
This contemporary art event transforms Toronto into a giant art gallery. Remember not to drive…walking south of Bloor in your favourite part of the city between Sherbourne and Dufferin, follow the crowds and experience some great city life! Sunset to Sunrise, there are over 90 contemporary art projects to take in and enjoy.
September 30 & October1: Oktoberfest
Bavarian festivities are celebrated with food, drink and entertainment. Bring an appetite and your best lederhosen!

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Months of Inventory Toronto

Image Source: MoveSmartly (a great Blog, worth looking at regularly).


Throughout the year, Toronto’s real estate market has been lacking inventory. August was especially disturbing; in August Toronto was down to less than one month of inventory. To put that in perspective, Toronto has averaged 2.27 months of inventory in August of 2013 – 2015. Active Listings were down over 40% from August of last year.

Meanwhile, the number of sales this August increased 23% over August 2015. Substantially smaller inventory, significant increase in the number of sales…obviously, there’s an increase in the average price. Are you sitting down? According to TREB, the average selling price for all home types across Toronto increased 17.7% on an annual basis. Thinking of selling? Now is a great time - call us, we'd love to help!

A few questions:

- Why are less houses on the market when the price is at historic highs?

- Are there not enough 'down-sizers' to meet new demand?

- Are Baby-boomers holding on to their houses so their off-spring can get a place in the city?

According to Jason Mercer, TREB’s Director of Market Analysis:

"Population in the GTA continues to grow. The resulting growth in households coupled with favourable economic conditions and low borrowing costs means that we remain on track for another record year for home sales. Against this backdrop, TREB will also be releasing new third-party research, and consumer and REALTOR® survey results throughout the fall and winter, with discussions focusing on foreign buying activity and issues affecting the supply of ownership housing,"

Discussion and studies are helpful, but less effective when the necessary data is not analyzed because it isn’t collected. In the interim, I espouse further tightening of credit restrictions and the adoption of a foreign buyers’ tax. You can’t make people sell, but you can be a lot more careful about who gets a mortgage and who takes the risk when a mortgage is provided.

If you're thinking of selling, now is a great time! Give us a call...we'd love to help you.

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The Economist Intelligence Unit has ranked Toronto as 4th Most Livable City in the world. "Most Livable' is defined as 'which locations around the world provide the best or the worst living conditions'.

Why does this matter? I was asked by a client the other day why he should choose to live in Toronto. His family was lucky enough to have a choice of cities to live in, as he had a technology business that could be run from pretty much anywhere in North America. His preference, at the beginning of the week, was for a home in Miami. After spending the week with im and his family, and reviewing communities, transportation, schools, safety, business, and a number of other factors, they decided to move to Toronto.


Those of us lucky enough to be living in Toronto often take our city for granted, hearing disruptive news in other cities but seldom counting our blessings for the city we live in.

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Ever been to Chicago? The dowtown waterfront has one solitary condo tower. The rest of the waterfront is devoted to 'public realm' - beaches, parks, art,'s wonderful. I heard, when taking the one of the two tourist tours I've ever enjoyed, that Chicago (ironically) based its' plans for their waterfront on Toronto's old plans for our waterfront.

What happened to our old plans? No idea. Hopefully, we'll make up for whatever went wrong with a better use of the waterfront that we have left. The graphic above shows how a hideously ugly industrial slip could be transformed. The Keating Channels current residents include many vital, if unattractive, tenants - the G4L waste centre, a boat haul company, etc. If the city planners can provide a LOT of public space with bike paths, parkland, and space for kids to play I'm all for it.

The hard part, in my opinion, would be to avoid creating an isolated area like Liberty Village. Easy commuter access, and really good paths to Cherry / Woodbine beaches, and the Tommy Thompson park, will be key to its' tenants success. Whatever the eventual outcome is, I hope the City planners get this one right.

Background: The Lower Don Lands is a 125 hectare (308 acre) area that runs from East Bayfront (the Parliament Street Slip) east to the Don Roadway and from West Don Lands (the rail corridor) south to the Ship Channel. Waterfront Toronto plans to transform the largely underutilized industrial area into new sustainable parks and communities. The naturalization and shifting of the mouth of the Don River is the centrepiece of the plans for the Lower Don Lands.

Tired of the Chicago comparison? So is Waterfront Toronto.

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Front Pad Parking becoming rare

For many of us, parking is a crucial part of owning a home. Even if you don’t have a car, having the option to park will significantly impact both the purchase and the resale price of a residence. You can imagine the dismay of a family who bought a house with parking, only to find that they can no longer park on their own property. Worse yet, if that family would like to sell, they are now faced with an absurd situation – sell their home for a substantially lower price because the City will no longer allow parking. 

There’s currently a moratorium on installing front yard pads in the old City of Toronto and few applications get approval. The reasons for the City to stop granting parking licenses appear to be that parking pads decrease rain absorption, and because recent storms have overwhelmed the city’s storm system (and ended up flooding basements) the City needs the front part of your yard to absorb more rain water. Also, more paved spaces create ‘urban heat islands’ - pavement retains more heat than greenery. Finally, a ‘curb cut’ for a front pad parking space takes away one parking spot for the street as a whole. If you want to check whether your front parking is legal, Click here!

Be careful when you purchase a home; make sure your lawyer has researched the parking issues and you are getting what you thought you paid for. If you’re already a home owner, make sure you keep your license up to date (pay the yearly licensing fee) and take care to make sure your parking is maintained. If you’re one of the few who are parking without a licensed front pad, you may want to start contacting a reputable lawyer who can help you get up-to-date. You won’t be able to rush a front pad parking license at the last minute when you decide to sell!


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A lack of listings continues to dominate the Toronto real estate market. A snapshot of Midtown Toronto follows that trend, as you can see in the graph above. The number of sales in May remains fairly consistent, but listings continues to trend down, from 210 in 2006 to 169 in 2016. Just like the rest of Toronto, a lack of supply puts upward pressure on prices. According to TREB, across Toronto the number of sales was up over 10% from this time last year while new listings were down 6%.

In other news, the OECD noted that Toronto’s housing market had appreciated at 15% year over year. “Strong residential investment may in principle reflect robust demographic growth, but Canada’s outcome appears stronger than what can be justified by underlying population increases”. Residential investment was 7.6% of Canada’s GDP in 2015.

The Federal Governement is trying to find a way to monitor foreign buyers, with the aim of slowing investors that do not intend to live in their residences. Other solutions for slowing the growth of the market may include "adopting a more rigorous qualifying standard for high-value properties" to mitigate the risk of speculation.

In my opinion, over the long term, it's hard to see how a property constrained area around a thriving hub such as the GTA can't appreciate in price unless more people want to sell. Sounds obvious, but the question I have is why would a large group of people want to suddenly sell out of the best city on earth, when it has a thriving and diverse economy (think: financial, technology, health science, legal, etc)? Fellow Torontonians, we are lucky to live here...

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June 10 to July 26: Luminato

Theatres, parks, and public spaces across the city are transformed. The Hearn Generating Station, in the heart of Toronto’s Port Lands, will play host to a multidisciplinary show of colour, music, and light.

June 1 to July 3: Pride Toronto

For one month, the heart of Toronto's LGBQT gay village will be particularly bright. Food, fun, and a celebration of all humanity's equality and our great country's acceptance of personal life styles. The first weekend in July will shut down vehicular traffic, and Gay Village will become a pedestrian-only zone for three days of festivities: July 1st - Trans march, July 2 - Dyke march, July 3rd - Toronto Pride Parade.

June 23 to 26: Taste of Toronto

Head to Fort York National Historic Site for an experience in food that you wont regret. The city’s latest, greatest, and hottest restaurants dish up their best in an alfresco gourmet feast.

Two Great Jazz Festivals! Part street fest, part concert and all outdoorsy fun!!

June 24 to July 10: TD Toronto Jazz Festival

30th anniversary! Over 1500 performances, including Chick Corea, Robert Glasper, Molly Johnson, Jane Burnett, and many more.

July 2 to 24: Beaches International Jazz Festival

Celebrating its 28th year, the festival will feature a dynamic musical roster, multiple stages and venues, and a lineup of gourmet food trucks. Melanie Durrant, Ghost Town Blues Band, 7Sould, and Yani Borrell are some of the lead attractions.

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With the warm weather, those of us who are lucky enough to have a backyard will be turning our attention to the perennial question – what to do the detritus and how to bring out the Eden we’d love to have. For many, gardening can provide sanctuary from the city, offering a playground for green thumbs. However, for those of us that don’t have a green thumb, the backyard can turn into a space that is under used and a little over grown. (Worth a look - Top Ten Garden Centres in Toronto).
For the families with little ones, getting them off of their electronic devices can present an opportunity to more fully use the backyard…the ‘Sport Court’ is becoming more popular as an alternate to the traditional patch of grass with a border of flowers. It keeps the kids outside longer, and provides a welcome attraction for playdates. It also gives them a chance to breath fresh air, work on their shots, and practice for the school team.
The ‘Sport Court’ can be configured for almost any size and shape of yard. What’s more, it can be designed for whatever sport you and the family are interested in – typically basketball, hockey, soccer, tennis, or golf. The price usually comes in at around $25 - $40 / square foot, including the base and the installation according to Sport Court. This means that a fairly modest 400 square foot installation comes in at $10-16,000. It is, admittedly, a bit of an extravagance…there are a multitude of accessible public parks and tennis courts (Ramsden, Davisville, Moore Park to name a few) and if your child is old enough to get there under their own steam it probably isn’t worth the money. However, if you have a few younger children, a sport court could be a good investment. Don’t count on recouping the cost when selling….it’s unlikely that the sport court will increase the value of your home when you resell. But if having a great space where the whole family can play ball is important, its’ definitely worth the cost of a few summer camps!

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The Toronto Real Estate Board numbers are in for April 2016, and (no surprise!) demand for homes in the Toronto area is still very strong. The number of sales has increased 15.8% per cent for Q1 2016 over Q1 2015, and they’re up 7.4% for April 2016 when compared to April 2015. These increases in the number of sales happened despite a decrease in the number of listings available for both periods as compared to 2015.
Despite the increase in the number of sales for the GTA, the ‘416’ area code has a decrease in detached, semi-detached, and townhome sales. Why? The lack of ‘low-rise’ listings has constrained the market. Because of the lack of listings, ‘home price increases in Canada’s largest city are now spilling into the suburbs and even distant municipalities like Guelph and Waterloo’, according to the Financial Post (Toronto Catching Up To Vancouver…, Gary Marr, May 4). This lack of supply translates into higher prices, which increased 12.6% per cent year-over-year.
"As we move into the busiest time of the year, in terms of sales volume, strong competition between buyers will continue to push home prices higher. A greater supply of listings would certainly be welcome, but we would need to see a number of consecutive months in which listings growth outpaced sales growth before market conditions become more balanced," said Jason Mercer, TREB's Director of Market Analysis.
As a seller, this would seem to be an unequivocally good market: if you’re planning to sell your home, you’re in luck! However, one of the factors keeping supply down is the fact that sellers are often loath to list their homes for fear of selling without finding anything to buy. The buyers who benefit most from the pattern we’ve seen are twofold: downsizers who are selling a home in the most desirable category (single family detached or semi-detached) and buying a condominium where prices have also risen but not as fast or as far, or first time buyers who have a significant down payment and no home to worry about selling.

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