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The first-time home buyers’ (FTHB) GST/HST rebate:<ul>
<li>Eliminates the GST (or federal part of the HST) for first-time home buyers on a new home valued up to $1 million</li>
<li>Allows first-time home buyers to reduce the amount of tax they pay on a new home valued between $1 million and $1.5 million</li>
</ul>As a first-time home buyer, you may be eligible for the FTHB GST/HST rebate in addition to the existing GST/HST new housing rebate. Where both rebates apply, the FTHB GST/HST rebate acts as a top up to the existing GST/HST new housing rebate. For more info contact me!

First Time Home Buyer GST Rebate 2026

Welcome to 128 Balsam Drive in South East Oakville, One of the Prettiest, Most Exclusive and Desirable Streets in the Greater Toronto Area!This Extraordinary Custom Built Homes is just steps to Oakville's Historic Downtown Shopping District, Plethora of Private Schools and Plenty of Waterfront Parks. This Gorgeous Home Boots Over 7,500 sf of Luxurious Living Space on a Generous 100x152" Lot. The Main Floor Is an Entertainer's Dream! Offering a Hollywood Style Kitchen with Wolf Stove, A Massive Centre Island Equipped with 2 Sinks and Plenty of Sitting space, Open Concept to Family Room and Breakfast Area All which Overlook the Lovely Backyard. This Home has 7 Bedrooms Each with it's own Personal Ensuite, 10 Bathrooms, 5 Gas Fireplaces, a Beautiful Walnut Wine Cellar and MUCH more! This Home was Built with All the Comforts and Luxuries in mind. Call me to Book your Private Showing Today!!

Welcome to 128 Balsam Drive in South East Oakville!!

If you’re in the process of searching for a home, you may be considering whether or not to buy a pre-construction. While this is an attractive option for many, it comes with a few pros and cons that you’ll want to consider. The Pros of Buying Pre-Construction<ol>
<li>
Lower price and maintenance fees: Buying a pre-construction home can result in a lower purchase price due to discounts and incentives offered by developers. As the first to live in the home, your appliances and equipment are brand new and may even last longer. This helps to reduce any repair or maintenance costs.</li>
<li>
Freedom to personalize: You have the freedom to customize your property to match your lifestyle and build the home of your dreams. This includes selecting finishes, appliances, paint colours and layout options – giving you a great amount of control.</li>
<li>
Enjoy brand new top-of-the-line features: You can experience the benefits of modern living with a pre-construction home’s latest features and appliances such as energy-efficient systems and smart home technology. This is often covered by a standard warranty.</li>
<li>
Be at ease with no bidding wars: When buying a pre-construction home, the price is fixed and there's no chance of a bidding war, which results in a calmer buying experience. You won’t have to go through the stress that often comes with being in an extremely competitive housing market.</li>
<li>
Investment opportunity and potential to build equity: This could be an excellent opportunity to see large gains in your property value. Many investors use this strategy to buy in early to a project, hold it for a few years to build equity, and then sell the property and pocket the increase in price.</li>
</ol> The Cons of Buying Pre-Construction<ol>
<li>
Delays and uncertainty: Construction delays may occur, which can result in a longer wait time before you can move in. You are essentially buying a property that doesn’t yet exist and this can be nerve-wracking for some buyers.</li>
<li>
Financial risk: Pre-construction homes may require a deposit of up to 20% of the purchase price, which can be a significant financial commitment. If the developer goes bankrupt or the project is cancelled, buyers may lose their deposit, or you can get it back but lose the investment benefits.</li>
<li>
You pay sales tax on new homes: Depending on your province, you may have to pay either the Harmonized Sales Tax (HST) or the Goods and Services Tax (GST) on your new home. You might be eligible for a rebate, but you will have to pay up-front and then apply for the tax refund.</li>
</ol> Pre-construction homes in Canada offer lower prices, customization options and modern amenities, but can also come with uncertainty and risk. It’s important for you to do your research and carefully consider whether or not this is an option for you. Contact me if you have any questions or to Explore Current &amp; Future Communities

Pros & Cons about Purchasing Pre-Construction Properties

Find Out How Your Home Performs in Today's Market!

Ancaster is an affluent community situated just West of Hamilton off of highway 403. When compared with Burlington, Oakville and Toronto this area offers exceptional housing affordability which explains why buyers from these communities are migrating to Ancaster. Located on the Niagara Escarpment the natural geography of Ancaster is absolutely breathtaking. It features Tiffany Falls Conservation Area along numerous hiking trails including the Heritage and Bruce Trails. Also, Ancaster Village is a highly walkable area with several quaint shops, restaurants and historic buildings. Ancaster still offers a small town feel within an urban setting.<h2> </h2><h2>EAT</h2><h3> </h3><h3>CASUAL</h3><h4><a href="https://sammysancaster.com/">Sammy’s Family Restaurant</a></h4>Run by a family for families, this local favourite serves up tasty fare like classic eggs Benedict for adults and bear-face pancakes for the kids. The regulars love the unique shredded home fries. The kitchen's open for breakfast, lunch and dinner.<h4><a href="https://www.brassiepub.com/">The Brassie Pub</a></h4>If you're craving a classic English pub experience, check out this favourite local haunt for some traditional pub and refreshing pints. The atmosphere is relaxed and friendly.<h4><a href="https://www.theoliveboard.com/">The Olive Board</a></h4>This casually sophisticated wine bar pairs great wine with amazing charcuterie – perfect for savouring and sharing.<h4><a href="http://www.coachandlantern.ca/">Coach and Lantern</a></h4><img src="https://tourismhamilton.com/media/coach-and-lantern.jpg">There are many British pubs around but this one feels more authentic than most. It’s housed in a 200-year-old stone building some believe is haunted. Expect pub grub done well – chicken wings, beef dip sandwiches, meat pies and curries.<h4><a href="https://brewersblackbird.ca/">Brewers Blackbird Kitchen &amp; Brewery</a></h4><a href="https://instagram.com/p/B8thGBDn4QH"><img src="https://s3.amazonaws.com/crowdriff-media/full/bfe36497ddba0a23f7fd6462019224ba411c5db3e5ee96438cd8e3110c2c679b.jpg"></a> <a href="https://instagram.com/p/B8thGBDn4QH">@meggmm_fit</a> <h3>Blackbird Brewers offers a one of a kind experience with its location inside a stone house dating back to the 1830s right in the heart of historic downtown Ancaster. Think upscale bar menu items such as crispy eggplant or brisket nachos (with a jackfruit vegetarian substitute!) in addition to their own ales and lagers.FINE DINING</h3><h4><a href="https://ancastermill.ca/">Ancaster Mill</a></h4>Special occasions call for an elegant backdrop – and it doesn’t get much better than dining beside a waterfall. Ancaster Mill is an iconic Hamilton fine dining institution housed in an old stone flour mill. With an earth-to-table ethos and seasonally inspired dishes, the menu is exceptional as the views.<img src="https://tourismhamilton.com/media/2019/01/edited-Mill-Falls-Ancaster-Mill-63.png"><h4><a href="http://cavallonero.ca/">Cavallo Nero</a></h4>Italian classics get a modern makeover with local, seasonal ingredients in an elegant, but laidback, setting. Think chicken parmesan, pappardelle Bolognese and stone-baked pizzas. To mix it up, there's a smattering of other favourites, like shrimp tacos and burgers.<h3>COFFEE SHOPS AND TREATS</h3> <a href="http://www.canichebakery.com/">Enjoy a sweat treat at Caniche Bakery</a> thepurplepony 346 Wilson St E<img src="https://d3qvqlc701gzhm.cloudfront.net/thumbs/589b4c90b1184344040a16ff0fe0f8ee2f4a814867645d4b8c48dba27022a713-375.jpg"><a href="http://www.canichebakery.com/">Enjoy a sweat treat at Caniche Bakery</a> canichebakery Caniche French Bakery<img src="https://d3qvqlc701gzhm.cloudfront.net/thumbs/f49fadcf199a47c0ffa26f21cd46395b50bce9f5cf6c10c25680479cd8e34608-375.jpg"><a href="http://www.canichebakery.com/">Enjoy a sweat treat at Caniche Bakery</a> canichebakery Caniche French Bakery<img src="https://d3qvqlc701gzhm.cloudfront.net/thumbs/d0408fe0c47255a2074b32f4e1ffe611ac72671df5eb283bf4d6354aeab1ed3b-500.jpg"><h4><a href="http://www.canichebakery.com/">Caniche French Bakery</a></h4>Its fresh, flaky croissants and pain au chocolat sell out quickly, so go before noon. Crusty baguettes will satisfy the cravings of those who long for the authentic baked goods of Europe.<h4><a href="http://www.purplepony.ca/">Purple Pony</a></h4>Scoops of premium ice cream flow steadily from this of this cute shop. Decisions are difficult, thanks to a selection of more than 30 flavours. Little ones will demand repeat visits so they can ride on its collection of purple ponies.<h4><a href="https://www.chocolatesensations.ca/">Chocolate Sensations</a></h4>Hand-crafted premium chocolates and a huge assortment of bars, truffles, coated pretzels and dipped fruit makes this a must-visit for chocoholics. Beautiful gift baskets and shipping options mean this sweet spot is also gift-giving gold.<h3>GLOBAL</h3><h4><a href="https://indiavillage.ca/">Indian Village</a></h4>Many area Indian cuisine lovers can vouch for the authenticity of this popular spot. The draw is carefully prepared cuisine, made with freshly ground spices. Winning dishes include a perfectly spiced chicken tikka masala and lamb-based saag gosht. (There’s a second location in Dundas.)<h2>SEE AND DO</h2> Come and visit Ancaster Ontario in July to see the RBC Canadian Open at...<a href="http://www.hgcc.ca/">Have a ball at the legendary Hamilton Golf and Country Club</a> RBC Canadian Open Hamilton Golf and Country Club<img src="https://d3qvqlc701gzhm.cloudfront.net/thumbs/4eb66a76c3d54385432017d6371661c111f91c4f5b5878ba724bfa901117eec4-375.jpg"><a href="https://tourismhamilton.com/tiffany-falls">Find your fun at Tiffany Falls</a> omarmaulds Tiffany Falls<img src="https://d3qvqlc701gzhm.cloudfront.net/thumbs/cac3df2ce9631143be5314e95fe285d20a4c2d0f9e9590e26638cb74f370c100-250.jpg"><a href="https://dundasvalleygolf.com/">Have a ball at the Dundas Valley Golf &amp; Curling Club</a> dundasvalleygolfandcurlingclub Dundas Valley Golf and Curling Club<img src="https://d3qvqlc701gzhm.cloudfront.net/thumbs/17f36592a0633340bb68d4e016536e1710db859076c80c3c5a8db3c75129c3d2-500.jpg"><h4><a href="https://www.carlukeorchards.ca/">Carluke Orchards</a></h4>It’s all about apples – 13 different varieties grown on-site and available at its retail outlet. Pick your own when they’re in season or take home an apple pie from the bakery. There’s also muffins (sour cream streusel!), cookies and meals to go.<h4><a href="https://www.hamilton.ca/attractions/hamilton-civic-museums/fieldcote-memorial-park-museum">Fieldcote Memorial Park &amp; Museum</a></h4>With Ancaster’s rich history, it makes sense to showcase it. The small museum celebrates the past with rotating art and history exhibits. Enjoy the lovely gardens or sign up for a hands-on workshop for grownups.<h4><a href="https://tourismhamilton.com/?section=outdoor-adventure&amp;subsection=golf&amp;geo=">Golfing</a></h4>For those looking to hit the links, Ancaster has several public, accessible courses offering private club style amenities, including <a href="https://golfnorth.ca/mystic/">Mystic Golf Club</a> an 18-hole challenging course and <a href="https://copetownwoods.com/golf/">Copetown Woods</a> with a sprawling Victorian style clubhouse.<h4><a href="https://tourismhamilton.com/tiffany-falls">Tiffany Falls</a></h4>The flow of this tall cascading waterfall changes throughout the year according to the amount of rain. Regardless, it’s always beautiful. It’s a short ten minute walk from your car to get there. Hikers can venture further and hook up with the Bruce Trails or other marked paths.<h4><a href="http://www.shopancastervillage.com/heritage-village/">Heritage Walking Tour</a></h4>Ancaster’s history stretches back centuries so there’s a lot of historic architecture to soak up. The Ancaster BIA has pulled together a great walking tour featuring some of the ‘village’s’ most interesting heritage buildings.<h4><a href="https://www.hamilton.ca/attractions/hamilton-civic-museums/griffin-house-national-historic-site">Griffin House</a></h4>This small 19th century home has a big history. Built in 1827, it was purchased by Enerals Griffin, a Black immigrant from Virginia who settled here in 1834. The National Historic Site tells the story of this unique Black settler experience in the area.<h2>SHOP</h2><img src="https://tourismhamilton.com/media/BLACKSMITH5.jpg"><h4><a href="http://www.blacksmithcountrygeneral.com/">Black &amp; Smith Country General Store</a></h4>Surround yourself with the charm of country life in the small hamlet of Jerseyville’s original general store from the 1800s. Now reimagined as a modern country store – the store and gallery is full of thoughtfully hand-made goods including beautiful ceramics, stationary and artful crafts from talented makers from across the country. Attached is a pottery studio and furniture workshop.<h4><a href="https://ancastercheese.ca/">Ancaster Cheese &amp; Fine Foods</a></h4>Cheese, please! You’ll find shelves full of gourmet goodies, along with a showcase of Canadian and international cheeses. You’re in luck if you’re looking for hard-to-find types like black lemon gouda or truffled-infused brie. It also sells vegan varieties.<h4><a href="https://www.hanleysofancaster.com/">Hanleys</a></h4>Fashion-conscious locals stay stylish with high quality goods at this store located in a unique heritage 1860s heritage building. Expect to see clothing and accessories, including shoes and handbags, from big names like Max Mara, Rag &amp; Bone, Eileen Fisher and Smythe.For more information, visit the <a href="http://www.shopancastervillage.com/">Ancaster Village</a> website. <h3> </h3><h3>Thinking About Moving to Ancaster?</h3> Contact Me Directly C: 416-624-9350E: trishakosewski@rmxemail.com https://www.facebook.com/profile.php?id=100074079198825https://www.instagram.com/trisharemax/

What to do in Ancaster

$531,000 OVER ASKING

Facts about Ancaster Ontario Ancaster is a historic town in the city of Hamilton, Ontario Canada, located on the Niagara Escarpment. Home to some of the most successful neighbourhoods in the region, Ancaster blends the beauty of its waterfalls and hiking trails with a quaint, small-town atmosphere! The Hamilton Golf and Country Club was founded in 1894 and was originally sited beside the Hamilton Jockey Club (now Centre Mall), moving to Ancaster in 1916. It hosted the Canadian Open in 2003, 2006, 2012 and 2019.

Ancaster Ontario

Trisha went over and beyond our expectations. She negotiated the best price for our home. Now we have extra cash on hand to reinvest. Simply the best.

It was a pleasure working with Trisha! She helped me find “My Happy Place!” During showings she provided me lots of great information to make sure I was making the right decision.

I’m SO thankful to have met Trisha she has helped my wife and I purchase our first home, which we absolutely LOVE!

Trisha Kosewski met all my real estate needs in an exceptionally professional, efficient and courteous manner. She has been very patient throughout this whole process and offered great flexibility and responsiveness for scheduling show times. Trisha was also very knowledgeable throughout the whole process making sure we were aware of everything so that we made all the decisions with utmost confidence. I would definitely not hesitate to use Trisha Kosewski for my next home purchase.

Trisha is extremely knowledgeable in investment opportunities. She has helped me increase my real estate portfolio tremendously. I recommend reaching out to Trisha if you are looking to invest in new construction or rental properties!

I was very nervous to purchase a pre-construction home after hearing so many horror stories in the past but once I was introduced to Trisha all my worries disappeared! She is extremely knowledgeable about Builders, Timelines, Delays and everything in between when it comes to New Builds! I highly recommend Trisha to anyone looking for a new home or investment!

Trisha has been extremely helpful and accommodating throughout the process of selling our home. She is very responsive and effective and was always there to answer all our questions and follows up promptly. She cares for her clients beyond the expectation and we are extremely grateful for all of her support and expertise. We highly recommend Trisha for all your real estate needs.