NEW HOME CONSTUCTION IN ST. CATHARINES-NIAGARA TO MODERATE

- 52% of recent immigrants will purchase a home within 3 years
- Immigration is expected to increase 9.2% in 2009
- 66% of recent immigrants lack information about financing options
New immigrants with permanent resident status can access homeownership
with as little as 5% down payment with no minimum period of residency
required and at discounted rates.
Also non-permanent residents have access to homeownership with as
little as 10% down payment again with no period of residency required
and also at discounted rates.
Please do not hesitate to contact me if you have any questions about
this program or any other questions regarding mortgage financing.
CURRENT RATES as of February 18, 2009
6 MO-5.20% 6 MO.Conv-5.20% 1YR-4.00% 2YR-4.75% 3YR-4.75%
4YR-4.29% 5YR-4.39% 7YR-6.00% 10YR-6.35%
Variable Rate: 3.80% (Prime plus .80%)
Prime Rate as of February 1, 2009 = 3.00%
Source: Ryan Gambaell of Vintage Financing (contact him by sending a
message through this site)
__________________________________________________
Duncan Ley, Sales Representative
☛ Royal Lepage Niagara Real Estate Centre, Inc., Brokerage
☏ 905 650 2241 | www.AddressingYourMove.com
Developer Norman Rockwell presented his plans for a 50-unit waterfront
condo building to members of the Port Dalhousie Legion on Sunday, with
the promise that the legion will always have a home on site.
"I have been working with the legion for over a year now to come up
with a plan to keep them in their building," Rockwell said in an
interview on Tuesday. "I have presented a plan to build a new facility
for them."
But Rockwell's "extremely preliminary" plans for The Landings at The
Legion also include 50 condo units to be marketed to veterans and
seniors, to be built above the new legion building.
The condo units are small ones and the total height of the building
will be six or seven storeys -- "in the area" of the 21-metre height
of the nearby Lincoln Fabrics building, Rockwell said. His project
won't be "anywhere near the height" of the controversial 17-storey
Port Place development that was the subject of a recent Ontario
Municipal Board hearing and is awaiting a decision.
"Height will be a minor issue," Rockwell promised, saying he didn't
expect his plans to cause a problem for either the Port Dalhousie
Heritage District Advisory Committee or citizens' group PROUD (Port
Realizing Our Unique Distinction). "This would be in their genre of
appropriate development," he said.
But PROUD spokesman Carlos Garcia said anything taller than the 11
metres permitted by Port's heritage guidelines is too tall.
"We support development that is consistent with the heritage
guidelines," Garcia said.
"The violation of the heritage guidelines and the zoning bylaw would
be a major concern," Garcia said.
He said PROUD had warned the Port Place proposal would set a dangerous
precedent.
"We always said Port will be a forest of towers and citizens will lose
their heritage and their precious beach," he said. "If one tower goes,
we will have many towers. That's what we always said."
Garcia said PROUD would also be opposed to demolition of the legion's
existing heritage building.
According to Port Dalhousie's Heritage Resource Inventory, published
by the City of St. Catharines in 1998, the original L-shaped building
that is now obscured by additions and renovations was built in 1870.
It was originally a lock maintenance facility, and was later used to
store rowing sculls for the Henley Rowing Club.
"We would certainly forcefully oppose demolition," Garcia said,
"although many of our members are legion members and they would want
appropriate development if it fits."
Branch 350 president Bill Mutch wouldn't comment on Rockwell's
proposal or even confirm there was a proposal, saying he is bound by
the legion's confidentiality rules. The branch's building is actually
owned by the Royal Canadian Legion's Dominion Command and any
development proposal would have to be approved by provincial and
national legion officials, Mutch said.
Such a request would first require a notice of motion being mailed to
all branch members at least 10 days in advance of any meeting being
held at which a decision could be made, Mutch said.
The branch has about 650 members, but only 35 are needed for quorum,
and a decision would require a two-thirds majority.
Mutch said the Port Dalhousie Legion's problems with its building
foundation are "common knowledge" but the legion itself is on stable
financial footing.
He said members (which include veterans, their family members and
anyone who wants to be an affiliate member) pay $50 a year for
membership, although nearly half of that is forwarded to provincial
and national bodies. The bulk of the local branch's revenue is from
hall rentals, its Friday fish fries, and sales of food and drink in
the canteen, he said.
Rockwell, who is a legion member, said he was approached by "a number
of members some time ago," and understands there were other developers
who also submitted proposals.
St. Catharines' heritage planner Kevin Blozowski said the legion is in
the heritage district, and the current zoning on the property permits
only the legion building. Any other development would require rezoning
and an Official Plan amendment, Blozowski said.
Rockwell said the remnant of the original legion building is barely
visible, while his proposal is meant to preserve the heritage of
Canada's veterans and their significant contributions to the county.
"The whole purpose is remembrance of veterans. The lives that have
been lost, the service they have given," Rockwell said.
"This is to keep their service and their spirit alive, the remembrance
of what they have done. This is more important than the remains of a
building."
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Budget 2009 proposes to implement a temporary 15-per-cent Home Renovation Tax Credit (HRTC) to provide some $3 billion in tax relief to an estimated 4.6 million Canadian families. The HRTC will encourage investments in Canada's housing stock, provide employment for tradespeople and boost sales for those who make and sell building products.
The HRTC will apply to eligible home renovation expenditures for work performed, or goods acquired, after January 27, 2009 and before February 1, 2010, pursuant to agreements entered into after January 27, 2009.
The 15-per-cent credit may be claimed on the portion of eligible expenditures exceeding $1,000 but not more than $10,000, and will provide up to $1,350 in tax relief.
Examples of HRTC Eligible and Ineligible Expenditures
Eligible
ü Renovating a kitchen, bathroom, or basement
ü New carpet or hardwood floors
ü Building an addition, deck, fence or retaining wall
ü A new furnace or water heater
ü Painting the interior or exterior of a house
ü Resurfacing a driveway
ü Laying new sod
Ineligible
Ñ Furniture and appliances (refrigerator, stove, couch)
Ñ Purchase of tools
Ñ Carpet cleaning
Ñ Maintenance contracts (furnace cleaning, snow removal, lawn care, pool cleaning, etc.)
The HRTC can be claimed by homeowners for renovations and enduring alterations to a dwelling, or the land on which it sits.
A dwelling will generally be considered eligible for the credit if it is used for personal purposes, such as a house, cottage and condominium unit.
Additional information on the Home Renovation Tax Credit will soon be available on the Canada Revenue Agency's website at (www.cra.gc.ca).
St. Catharines' get-tough stance on graffiti has been approved.
City councillors voted unanimously Monday night to require that graffiti tags be removed from private property within five days of being reported, and be reported within three days of being tagged, or the owners will face fines.
Property owners who report in three days can have half the cost of the removal covered by the city, up to $300, with the option of applying for more assistance for bigger jobs. Owners who don't remove graffiti can be issued $150 tickets, or fined up to $5,000.
But councillors said the graffiti bylaw is not meant to punish victims.
The city wants to eradicate graffiti completely, said Merritton Coun. Jeff Burch, and the best way to do that is to act swiftly to remove the vandalism.
He said the removal requirements are only one of many tactics the city is using to get rid of graffiti. It is pledging to clean graffiti on its own property within 48 hours, participate in education programs, and work with other groups such as the green committee, which is using plants to deter vandals.
St. George's Coun. Greg Washuta said the reporting requirement will help police nab graffiti vandals.
He said the city must act because relying on other levels of government hasn't solved the graffiti problem. "This city is under siege," Washuta said. "But the fact is, after you paint over it a few times the vandal moves to someplace else, and graffiti does not fester in one location."
The graffiti bylaw was supported by the St. Catharines-Thorold Chamber of Commerce, with president Steve Cook telling councillors that tackling the problem is "an important component of the aesthetics of our city." He said the chamber applauds the assistance being offered to property owners.
But Dalemere Crescent resident Kevin Hodges cautioned against the bylaw, saying the teenage vandal who did $8,000 worth of damage to a wall in his neighbourhood in 2005 was quickly arrested and eventually sentenced to clean the wall.
If the neighbours had paid for the cleanup under the terms of the new bylaw, it would have cost them nearly $1,000 each, Hodges said. Instead, the vandal and his father spent two weeks repairing the damage he had done.
The city's bylaw will further penalize the victims who would be forced to "pay for someone else's vandalism," Hodges said.
Assistant city solicitor Denis Squires said very few graffiti vandals are actually caught, and even when they are, the city has no power to force them to make restitution.
Squires said most property owners who don't clean up the graffiti will be issued a $150 ticket. Only absentee landlords who fail to take any interest in their properties are facing bigger fines, Squires said.
The city budgeted $65,000 last year for graffiti removal.
It was supposed to be a bylaw to crack down on absentee landlords and student housing issues.
But, from Mayor Henry D'Angela's perspective, Thorold's draft rental-unit licensing bylaw has morphed into something else entirely.
That's why D'Angela won't support the proposed rules that many Thorold landlords say are akin to a dictatorship.
"I believe stronger enforcement of (existing) bylaws can achieve the results our citizens are looking for," D'Angela said. "A licensing system will become a bureaucratic nightmare with administration and enforcement."
D'Angela may not be the only councillor who feels that way. Coun. Shawn Wilson echoed D'Angela at an impromptu general committee meeting Tuesday, held to discuss the proposed bylaw and resident reaction to it at a heated public meeting in October.
"We are so far beyond student housing at this point," Wilson said. "It may fix up some houses along the way, but it won't curb rowdyism or parking issues. It's just going to make residents livid."
The bylaw, the creation of which D'Angela and members of the city's Town and Gown committee lobbied for last year to alleviate problems with unkempt student housing, proposes a $300 fee to license all of the roughly 2,200 rental units in Thorold. That would enable the creation of a database of rental units and make it easier for fire and bylaw officials to inspect properties, ensuring they are up to snuff with provincial and city rules.
It would also mandate unit features, such as room sizes and ceiling heights.
Chief building official Jeff Menard noted many of the rules outlined in the draft bylaw are taken from existing provincial building and fire codes.
But no residents spoke in favour of the proposed rules in October, rather they objected to the cost, the required criminal record search of landlords, the ability of the city to enforce the bylaw and the feeling that the code went above provincially legislated standards.
"There was, of course, the overriding concern about whether there should be a bylaw," Sara Premi, city solicitor, told council Tuesday.
Councillors also expressed concern about the likelihood of getting landlords to even register their properties if the bylaw becomes reality.
"We don't know who has houses out there being rented. We don't know who the renter is. We don't have that contact with people," Coun. Mike Charron said.
Coun. Jonathan LePera worried that if the bylaw was implemented as is, council would eventually be pressured to flip-flop on its decision and reconsider the rules. It's currently happening with the city's clean-yards bylaw, which has angered some residents who feel it's unfair.
"I don't want to revisit this bylaw," LePera said. "I want to make it so it stands."
Citing what other municipalities are doing, Premi said the City of London appears to be backing away from a proposed rental-unit bylaw. Instead, it's considering a rental property registry and enhancing existing property standards bylaws to deal with rental housing issues.
Keen to find an alternative, D'Angela rhymed off existing city bylaws that could be used to curb the problems with rental properties. Among them, the property standards bylaw, zoning rules and the clean-yards criteria.
After more than an hour of discussion, council directed staff to look into potential alternatives to the proposed bylaw and their ease of implementation, including what, if any, additional bylaw officials would need to be hired for effective enforcement.
Council hopes to have the information in time for the next public meeting regarding the bylaw on Jan. 28. Barring that, D'Angela suggested turning the forum into a public education event. That will give landlords and renters the chance to ask fire and building officials what their responsibilities are to ensure safe living conditions.
Council will decide the meeting's format early next month.
"One thing that came out of the public meeting (in October) is we need to work on that (public education)," D'Angela said.
Preliminary housing starts data for November 2008 released today
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There are some big changes afoot in Merritton.
What, the Dog Pound bar is adding lobster to its menu?
Nah, nothing that cataclysmic. But over the course of the next couple of years, residents may see:
a new fire station near the Dairy Queen on Hartzel Road;
the old Merritton town hall under private ownership;
a Sobeys grocery store and liquor store on the old Domtar property off Glendale Avenue;
a restaurant and Best Western hotel in the old Lybster Mill building at Glendale and Merritt;
This look at the future of Merritton largely comes courtesy of developer Nino Donatelli, the driving force behind the renovation of the Keg building and the Lybster Mill.
Indeed, it's Donatelli who's spreading the news, perhaps somewhat prematurely, about the fire station/old town hall happenings.
He said one of his companies, Merritton Mills Redevelopment, has agreed to sell 1.88 acres of land behind the Dairy Queen to the city for about $700,000. The city has plans to build a new fire station there, replacing the current substandard one that's attached to the old town hall.
As a condition of the sale, said Donatelli, another one of his companies, Donatelli Productions, agreed to purchase the old town hall/fire station property for $350,000.
The city's remaining mum on the matter.
St. Catharines Mayor Brian McMullan said negotiations remain at the staff level and nothing has been finalized by city council.
He did, however, acknowledge the general elements of the swap described by Donatelli.
Merritton is in dire need of a new fire station and the old town hall is in play.
McMullan said council is still awaiting the city's fire master plan. The plan, expected to be in council's hands next month, will presumably set out fire service priorities and make recommendations.
But it's no secret Merritton's needs are at the top of the list. And a new building on a large site would allow some operations to be relocated from the cramped central fire hall on Geneva Street.
As for the old town hall, McMullan said language in any real estate deal must make it clear that the heritage building will be properly maintained and remain standing "in perpetuity."
For his part, Donatelli is eager to get his hands on the building.
Although he can't take ownership of the hall and attached fire station until the new home for smoke-eaters is built, Donatelli hopes he doesn't have to wait that long.
"I'm asking permission to let me get in there sooner to clean it up and restore it because it looks pretty ratty right now," he said.
"The entranceways need to be done, the doors need to be cleaned up, the windows are all flaking. It needs to be sand-blasted or acid-washed to look more like The Keg. It's the same stone."
Meantime, Donatelli said he's close to signing a deal that would see a restaurant, Johnny Rocco's Italian Grill, move into the ground floor of his Lybster Mill building.
As well, he said he's negotiating with Best Western about locating a 65-room hotel in the building.
"They're very interested, they like the location," said Donatelli, adding his family would run the hotel.
Giving impetus to the Lybster Mill plans is the apparent interest of Sobeys to move ahead with its project.
"Now that Sobeys has kicked in, it gives me more reason to go ahead and do my project. (Sobeys) will bring a lot more action and stimulate that whole corner," Donatelli said.
No one from Sobeys returned my call, but there's been some earth-moving action on their Glendale Avenue property for a few weeks now.
And Paul Chapman, the city's planning director, said a site plan for Sobeys' project, which at this point involves a grocery store, liquor store and bank, should be approved either late next month or early January.
He also confirmed a site plan is about to be finalized to allow a restaurant at the Lybster Mill.
The red tape out of the way, both projects could go ahead in the new year.
"So that's good news for the city," said Chapman.
It's over.
But after 71 days of hearings held over the course of 21 weeks, and 296 exhibits submitted as evidence contained in more than 40 boxes of documents, there's no hope the answer on the fate of the Port Place tower will be found under the Christmas tree.
As the snow began to fall outside St. Catharines city hall windows Wednesday afternoon, Ontario Municipal Board hearing chair Susan Campbell said she would make her decision as quickly as possible. But the soonest her answer will be available is late January.
"I will do my best to get this done as quickly as possible, but let's be realistic here," she said at the hearing.
"Don't be checking your e-mail regularly until the latter part of January."
Port Dalhousie Vitalization Corp. lawyer Mark Noskiewicz, who wrapped up the hearing with his responses to the arguments made by his opponents, thanked Campbell for her patience and good humour.
Campbell laughed.
"I hope I wasn't too hard on anybody, but if I was, whatever," she said with a mischievous grin, flipping her palms up in a gesture of dismissal.
Campbell, who has presided over the hearings with attentiveness and wit, reminded participants and spectators that her decision -- when it comes -- will be all or nothing.
"You heard what I said about me redesigning the project," she said, interrupting Noskiewicz's comments on whether the Port Mansion should be saved. "All of these (alternatives) would require me redesigning the project, and I am not doing that. I think everyone has understood from Day One that you are not going to see some weird thing designed by me."
Earlier in the week, Campbell hinted she doesn't accept that relatively modern buildings -- such as the former Erskine's Pharmacy or the former hydro building (now housing the Rum Jungle) -- are heritage buildings.
While Jane Pepino, lawyer for anti-tower citizens group PROUD (Port Realizing Our Unique Distinction), was trying to argue that buildings constructed after 1950 might still be considered heritage buildings, Campbell interrupted her to say: "Ms. Pepino, just to put it to bed, in my view, they (Erskine's Pharmacy and hydro building) are not, by definition, heritage buildings."
They could be considered part of Port's heritage fabric, she acknowledged, but they are not heritage buildings.
Noskiewicz devoted much of his argument Wednesday refuting Pepino's argument that heritage preservation should trump revitalization.
Noskiewicz said heritage and revitalization are equally balanced.
Besides, PDVC's proposal has always sought to conserve Port Dalhousie's "heritage values, attributes and character," he said, and the development represents "good heritage planning."
He urged Campbell to uphold city council's June 2006 decision to approve the development, saying the city was relying on an "inclusive" public process and the pro-tower advice of Paul Chapman, "the highly experienced and qualified" city planner.
After the hearing wrapped up, PROUD spokesman Carlos Garcia said he hopes the development will be rejected.
"We can't guarantee or predict what the outcome will be, but we feel very confident that we, and Jane Pepino, put forward a very strong case," Garcia said.
Garcia said PROUD expected that fighting the appeal would cost the group $300,000, but despite the generosity of Pepino and the expert witnesses PROUD hired, the case will cost "significantly more."
PDVC partner Dan Raseta, who has attended most of the hearing, said the process has cost PDVC "millions" of dollars.
Raseta said PDVC president Eric Moog, who was seriously injured in a boating crash in August 2007, and who has not attended any of the hearings, is still recovering in Toronto.
PDVC's third partner, Ralph Terrio, who has also not attended any of the hearings, was the only PDVC spokesman to formally comment.
Terrio said he skipped the hearings because they were too nerve-racking.
"My nerves can't take it. It makes me a nervous wreck," Terrio said in a phone interview after the hearing ended.
Several PDVC supporters expressed optimism about the outcome, but Terrio was more cautious.
"I wish I could have the same feeling, but I can't. It's all in one person's hands," he said. "I hear everybody did a good job of presenting the case but there is no way of knowing."
Garcia said whatever the decision is, it will be precedent-setting.
"There are 92 heritage districts in Ontario and all, except one, are low-rise," he said. A tower has never been built in a heritage district before, he said.
Terrio said his first question to Noskiewicz after the hearing ended was "what are our chances?"
"He said, 'You have a chance, but there are no guarantees.' "