Best Date Night Spots For Valentine's Day

04 February 2019
Larose Team

Whether you’re looking for a romantic date night out with your significant other this Valentine’s Day, or if you are avoiding the holiday entirely and plan on staying cozy on the couch, we’ve got you covered!

We’ve put together our favourite romantic and fun things to do in Toronto with your significant other, best friend, or family.

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Explore Museums

Royal Ontario Museum:  Art. Culture. Nature. Remixed. February 15th, Join us on the dance floor as we celebrate a special Friday Night Live Encore -  #FNLROM: Love, featuring free access to the new exhibition Wildlife Photographer of the Year.

Art Gallery of Ontario:  Are you a member of the Art Gallery of Ontario? February 12, 13, 14 & 15 - AGO Members are invited to join the exclusive Members’ Preview for Impressionism in the Age of Industry: Monet, Pissarro and more. Be among the first to experience this groundbreaking exhibition exploring how French Impressionist artists and their contemporaries captured the spirit of the industrial age.

Spend the day underwater

If you and your significant other both love animals, then a trip to the Ripley's Aquarium of Canada is the perfect activity for you both! Located right in the heart of Toronto, you'll be able to visit an array of sea life and even touch a stingray

Watch your favourite team

One of our favourite pastimes in Toronto is - you guessed it - our local sports teams! Take your partner or friends on a date night to watch your favourite team at the Scotiabank Arena, whether it's the Raptors or the Leafs.

Try a new restaurant

What better time than Valentine's Day should you and your significant other (or family!) go outside your comfort zone and try out new food? 

Try escaping the inner city craze and venture out to our local spots right here in South Mississauga. For something organic and fresh, Raw Aura, for an italian dish Capra's Kitchen, a little pub fare with stellar cocktailsDoor Fiftyfive.

Don't forget about dessert! Dunk N' Dip

Lace up the skates

Ice skating is a great way to break the ice (pun intended) on a first date or enjoy a special evening with your special someone.

Grab some hot chocolate afterward to warm up, or head over to a nearby bar or restaurant to continue Valentine’s Day festivities.

Finding the love of your life isn't always easy.

But we've made finding a home you love even easier.

Schedule a Call

  Events

January 2019

30 January 2019
Larose Team

We can sum up the current real estate market in the GTA in 2 words- interest rates.  There has been a lot of talk over the past month about where the interest rates are headed for 2019. A short month ago, economists were predicting another rate hike by the Bank Of Canada. A week ago, we read the BOC was putting rate increases on hold- and a short week later the Royal Bank announced a rate cut to its 5 year mortgages to 3.74% from 3.89%.

Some of the reasons: BOC is forecasting a 1.7% growth in GDP- down from its previous projection of 2.1%. This coming from a few key factors- housing activity has been weaker than expected and is taking longer to stabilize- especially in the GTA. This is primarily due to the stress test measures sparked by policy changes that were put in place last year- as well as interest rate increases. The recent significant drop in oil prices and the unstable global trade issues are also key factors.  The BOC key interest rate sits at 1.75% now which is up a full point up from 2 years ago.  It makes it hard to predict how the season is going to start off.

What does this mean for us here in the GTA- and specifically in South Mississauga? The forecast is a 2% increase overall in unit sales for 2019- ‘there will be pockets that are strong and some weak’ is our prediction.

“We live in a stable and desirable area with planned intensification over the next 10 to 15 years”, says Kevin Larose of the Larose Team. “As many as 40 to 50 thousand new residents are going to be calling this area home over the next 2 decades- this is significant.”

There are numerous new developments planned for all the way from Lakeview to Clarkson- everyone wants to live near the lake. This should bode well for all housing types- especially single family as more of the planned developments include multi unit condos and townhouses.

Look for our  new ‘Lakeview Developments’ section in our newsletter- we will keep you posted on new and pre-construction activity on a monthly basis. Exciting times!

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Mississauga - Condo Market Update

December real estate sales in Mississauga took a slight downturn for the second straight year.

The latest monthly sales tracking figures from the Toronto Real Estate Board (TREB), showed 7,746 total sales (detached and condo) in Mississauga which represented a 16.4 percent drop compared to December 2017 at 9,269 sales.

The best performing sector of the market last year came in townhome-style condos, which saw an average price increase of $569,397 compared to $519,483 in December 2017- a 9.6 percent annual spike. Apartment-style condos saw a year over year average price growth from $401,024 last year to $427,560 last month.

In Mississauga, there were 127 condo sales in December 2018 compared to 180 condo sales in December 2017. There was a year over year drop in both new and active listings, with 109 new and 199 active, compared to 187 new listings and 284 active listings in December the previous year.

There was a slight change in the amount of average days on market for Mississauga condos, which was 27 days this year compared to 23 days last December.

Looking ahead into 2019, many still predict that due to their lower price point and relative affordability (compared to the detached housing market), the condo market will continue its strength and modest price gains and continue to be the most desirable fit for homebuyers.

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Pre-Construction Condos & Towns

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How To Find The Right Neighbourhood For You

22 January 2019
Larose Team

It's not easy to choose the perfect neighbourhood for you or your family. Let's face it, your neighbourhood is just as important as your house. If you are not happy with your neighbourhood it will eventually lead to you not being satisfied with your home. Do your research to determine what a neighbourhood has to offer you. The greatest areas for families with children is not always the best place for a single person or empty nesters. This article will explain the things that you should be looking at in a neighbourhood during the buying process.

Location

Location is everything. Imagine living in an amazing area, but you work over 50 km away. This will not leave you with much time to enjoy everything that your neighbourhood has to offer considering you will be spending most of your time commuting to work. Even though there may be a great neighbourhood available 50 km away from work, that does not mean you need to consider that home unless you are able to work from home. Commuting can be overwhelming and will create a dissatisfaction to the home you purchased.

Location plays a huge factor when it comes to the community and it's amenities. If you live in a rural area, you will most likely not find any gyms, retail stores, or things to do. However, if you enjoy the seclusiveness of a rural area, this may work for you. Drive around the surrounding area to see everything that is in proximity. 

Pro Tip: Drive or Walk around the Area's You Are researching.  Make sure to take note of distances and time that it takes to get to some of the places you may be going to often.

Interview the locals

Asking the locals in an area is a great way to see if you would enjoy it there. Locals will know the area best and can make you aware of the perks and issues. Most people love chatting about their neighbourhood and where they live.

How can you Get involved without physically going to every business or community centre?  

Facebook. 

Join The local Facebook Community group to get a vibe of the neighbourhood.  You can even ask questions to get real feedback. Asking questions like:

1) I am moving to the area and was curious to hear what some of you love about living here?
2) I am curious to hear what some of the changes you are hoping for in the near future?                              
3) What is something  that you would only know if you lived here?

Pro Tip: You Can also Google: How is Living in (Neighbourhood).  This will reveal many other forums or blogs that give local insight.

Schools

If you have kids in your home then schools may be the most important factor to your neighbourhood. Some people are looking for a school nearby for their kids to walk to school and some are seeking schools for children with special needs. The best advice we could give is to decide on the schools you enjoy first, then begin looking for the neighbourhoods around the school. 

Pro Tip: There are many online resources such as fraserinstitute.org where you can look up the schools in your area and their rating. Once you have decided on a school that you believe will be best for your family, visit the school.

Property Values

The value of a property plays a huge role on choosing a neighbourhood. If your desired neighbourhood has high value homes this means higher taxes  to provide services in the area. If a home has a declining property value, like we had in 2008, it can directly impact the value of the entire neighbourhood. An area that once was a great looking place to live can slowly turn into a run down location in need of some tender, love, and care.  

In terms of choosing a home in each respective neighbourhood I recommend to subscribe to the old adage of not choosing the most expensive home in the neighbourhood.  

Pro Tip: Don't Go For the Most Expensive Home in the neighbourhood if the home value is above the average it may appreciate slower or take longer to sell than those closer in value to the average.

Property Taxes

Taxes will vary by neighbourhoods, so you should definitely consider them when buying a home. Like we stated above with property values, areas that are appreciating in value are also going to have larger taxes. Many cities have specific times of the year where they reassess home values to ensure the local government is getting the proper amount of tax revenue to provide the city with services. Purchasing at the top of your budget can make the excitement of purchasing a home become a nightmare when all your other expenses roll in.

This is why it is important to make sure you consider all the expenses that come with owning a home. We can always help you with any questions you have, so do not be scared to give us a call. 

Pro Tip:  Don't purchase a home at the top of your price range if you are buying in a neighbourhood with increasing values because the taxes you pay will go up in cost as well.

 

Safety

While some consider safety to be the most important factor in a neighbourhood, not everyone can afford to live in a gated community, nor does everyone want to live in a community like that. However, you can look at the  local police  reports to see what mischief goes on in a specific area. You can even use online resources like crime maps to get an idea of the crime rate in certain areas.

*Realtors cannot discuss criminal Activity With Clients

Bottom Line

The neighbourhood that you live in can have a greater impact on your satisfaction than the home itself. The right house in the wrong area will leave you unhappy in the long-run. Research online, speak with locals, and drive around the surrounding area to determine the if the neighbourhood is right for you or your family.

Let us help you find the perfect neighbourhood.
Contact us today! 

Please use the boxes below to contact us with a brief outline of your requirements:


December Market Report

20 December 2018
Larose Team

Mississauga- As we wind down 2018, the big story now is where interest rates are headed for 2019. As early as last month, all indicators were pointing towards 3 more rate hikes over the next 12 to 18 months according to the Bank of Canada. Fast forward to this month- with falling oil prices, trade war threats, a slowing housing market and reduced consumer spending - interest rates don’t look like they are going up anytime soon. ‘We may even see rates fall instead of increase during the next go around’ says Kevin Larose.

Previous rate hikes and tighter mortgage rules have shrunk the prime mortgage market and mortgage revenue is down across all the big banks. So what are the best rates right now- variable rates are looking good as we move into 2019. The best variable new mortgage rate for well qualified borrowers is currently 2.8 percent or less if the mortgage is insured.

This could change quickly again. Based on current mortgage lending rules,see belowfor an overview on mortgage qualification criteria and rates. 
*Rates as of December 2018

Insured

5-19% Downpayment
25 Year Max Amortization
Client Paid Insurance

Lowest Rates
3.39% - Fixed  2.85% - Variable

Conventional Insurable

20% or More Downpayment
25 Year Max Amortization
Lender Paid Insurance

In The Middle
3.59% - Fixed  3.1% - Variable

True Conventional

20% or More Downpayment
30 Year Max Amortization
No Insurance

In The Middle
3.84% - Fixed  3.35% - Variable

If you are looking at securing a mortgage- or want a second opinion, contact us at the Larose Team and we will put you in touch with our preferred Mortgage Lenders
905 278-7355 or email info@laroseteam.com

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On December 5th, 2018, Options Mississauga celebrated 25 years in business with a gathering of friends and local business owners. Joining in the festivities was our newly elected Ward 1 Councillor Stephen Dasko who participated in the ribbon cutting event launching the new renovations.

Options Mississauga is a registered charity supporting intellectually disabled adults now offering a new intensive training program and employment opportunities in the print business and in store.

For all your printing needs - and more info visit:  www.Optionsmississauga.com

Visit Options at 113 Lakeshore Road West, Mississauga

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The Larose Team wishes you and yours Merry Christmas and a Happy New Year!


Options Mississauga - Celebrating 25 years!

06 December 2018
Larose Team

Celebrating 25 years! 

Options Mississauga in Port Credit celebrated their 25th anniversary last night with friends, family, and community members.

Joined by the new Mississauga ward 1 councillor, Stephen Dasko, Options had a ceremonial ribbon cutting to also acknowledge the new renovations!

Consider Options Mississauga for all your printing needs, for more details visit
Optionsmississauga.com

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From our October Market Report

Options Mississauga is a federally registered charity operating a social enterprise in the form of a retail printing and office services store in Port Credit. They support intellectually disabled adults in an inclusive community setting as they acquire the job skills they need to obtain employment.

This unique arrangement allows trainees to become familiar with business etiquette, serving customers and working with staff on a variety of jobs they do. The ultimate goal is to provide the tools: hard skills, familiarity with business operation and, perhaps most importantly, the confidence they need to become vocationally involved, where few other options exist.

Options Mississauga has been in business for 25 years and has consistently provided quality printing products at competitive prices. They also provide the kind of individual customer service that is rare in today’s retail environment. But best of all, by using them for your printing needs you are not only get the printing products you want, but every dollar you spend directly supports their mission.

Options has currently undergone a transition now offering a new intensive employment training program and more importantly, employment to their trainees.


Christmas at the Lighthouse

27 November 2018
Larose Team

Christmas at the Lighthouse is on Saturday, December 1st in the parking lot just south of the lighthouse.  A family event that features pictures with Santa, interactive ice sculptures, kids crafts, a storyteller, live entertainment, festive artisan market vendors and more.

The lighthouse lighting ceremony will feature carol singing and greetings from Dignitaries.

Christmas at the Lighthouse event that will be held as a fundraiser for The Compass.

Bring a non-perishable food item and help build a mountain of food for The Compass

  Events

November Market Report

21 November 2018
Larose Team

October 2018-  Greater Toronto Area REALTORS® reported 7,492 sales through TREB’s MLS® system in October 2018 – a 6% per cent increase over October 2017. The average selling price for all housing types was 807,300 - up 3.5%. There were 14,431 new Listings entered into TREB’s MLS® System in October 2018 – down 2.7 per cent compared to October 2017. The fact that sales were up and new listings were down year-over-year suggests that market conditions have become tighter. Sales growth has outstripped growth in new listings for the last five months according to treb stats.

Mississauga numbers fared somewhat similar with unit sales and average price flat to last year. Condo apartments continue to lead the way with a 10% increase in units sold for October. The number of new listings were down 14% for the month compared to last year for all home types. The sales to new listing ratio is a balanced 55% with 2.1 months of inventory- these numbers are all indicators of a balanced and stable market. “Mississauga has 46 new condo projects waiting to built- all at various stages of approval with several here along the Lakeshore corridor. This will bring more families here and put pressure on detached and infill developments.’

Economists predict a strong regional economy and steady population growth will continue to support the demand for housing ownership as we move into 2019. Interest rates continue to climb- the Bank of Canada made it clear in recent weeks that it wants to get the banks key interest rate back up to the ‘neutral’ target of 2.5% from 1.75%. This is before the recent Alberta oil crisis that they forecast could cause a .5% decrease in GDP for 2019. ‘With these issues looming, we may not see any further rate increases in the short term” says Kevin Larose of the Larose Team. The central bank says housing risks are hedging lower in a number of respects owing to the combination of higher interest rates and stricter mortgage lending rules as the quality of new mortgages improves.The next few months will be important as we set expectations for next year. Right now it’s a good time to buy- or sell.’

For a confidential and professional market evaluation, please contact us at 905.278.7355 or email info@laroseteam.com

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TANU - Bespoke condos & towns in Port Credit

bespoke collection of only two hundred and four residences, including six townhomes, TANU weaves together all the right elements for modern urban life: sophistication, convenience, connectivity, and inside/outside amenities. Just a stroll away: riverside trails, the harbour and Port Credit’s own thriving village life with all its colourful independent stores and cafes, not to mention fast commuter connections to the city and throughout the GTA. Intimately tucked away on a residential street and beautifully crafted inside and out, TANU addresses the needs of the out and about nature lover, the community minded, as well as all those modern urbanists who, like TANU, artfully combine everything in one.

Book your exclusive preview appointment today with The Larose Team

As a priority registrant you will have access to exclusive preview pricing and incentives not available to the public!

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Home sales and prices rose this October in the Greater Toronto Area across the board, according to data recently released by the Toronto Real Estate Board.

In Toronto, condo units continue to outpace all other market segments in price growth, rising 7.5 percent year over year, with an average price of $562,523. In comparison, detached houses grew only 1 percent from last October, but are still almost twice as expensive at $1,019,416.

It remains far cheaper to buy a property in the 905 area than the 416. All market types are more affordable in this region, which surrounds the City of the Toronto to the east, west and north. Mississauga condos sold for an average of $442,007 this October while a condo in central Toronto sold for $674,252 — 52 per cent more.

For the Mississauga condo market, there were 242 condo sales in October 2018 compared to 218 condo sales in October 2017. There was a year over year drop in both new and active listings, with 309 new and 284 active, compared to 364 new listings and 433 active listings in October the previous year.

The average days on market period for Mississauga condos was 25 days, which was the same amount of days on market that month last year.

The condo market is continuing to outpace all other property types, and many speculate that the popularity will stay even into the winter months, and continue to be a more affordable option for first-time homebuyers.

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LIVE IN THE SOUTH MISSISSAUGA COMMUNITIES?

Download our November Newsletter to see TREB's community stats for number of houses sold, average price, says on market, and sale-to-list price. 

Port Credit

Mineola

Lorne Park

Lakeview

Lakeshore Condos

Don't live in one of these areas? We can still provide you with up to the minute market stats. Visit  homesoldprices.com to get started!


Mega Agent Mastermind

05 November 2018
Larose Team

November 15 | Thursday | 6:30PM

Are you looking to accelerate your business? Do you want to learn the proven mindsets, systems and strategies that some of the most successful agents are utilizing in today’s industry?

If the answer is yes, come out and attend this MASTERMIND on November 15th at 6:30pm to learn from this mega agent panel! Find out how they got to the top!

Join us for this wine & cheese event  - open to all Realtors including outside brokerages! It is an opportunity to grow your profit share, network with other agents, recruit new team members and learn from some of the best in the business!
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Mark your calendar: Thursday, November 15 at 6:30 PM
Location:  Keller Williams Realty Solutions, 1270 Central Parkway #101 - Training Room
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If you are interested in attending the event, please kindly RSVP to info@laroseteam.com

  Events

October Market Report

24 October 2018
Larose Team


Why ‘Options Mississauga’ should be your choice for printing

Options Mississauga is a federally registered charity operating a social enterprise in the form of a retail printing and office services store in Port Credit. They support intellectually disabled adults in an inclusive community setting as they acquire the job skills they need to obtain employment.

This unique arrangement allows trainees to become familiar with business etiquette, serving customers and working with staff on a variety of jobs they do. The ultimate goal is to provide the tools: hard skills, familiarity with business operation and, perhaps most importantly, the confidence they need to become vocationally involved, where few other options exist.

Options Mississauga has been in business for 25 years and has consistently provided quality printing products at competitive prices. They also provide the kind of individual customer service that is rare in today’s retail environment. But best of all, by using them for your printing needs you are not only get the printing products you want, but every dollar you spend directly supports their mission.

Options has currently undergone a transition now offering a new intensive employment training program and more importantly, employment to their trainees.

Check out Options at 113 Lakeshore Rd. West, Mississauga next to Starbucks -  www.OptionsMississauga.com




October 3, 2018 -- Toronto Real Estate Board President Garry Bhaura announced that Greater Toronto Area REALTORS® reported 6,455 sales through TREB's MLS® System in September 2018 – up 1.9 per cent compared to September 2017. The average selling price for September 2018 sales was up by 2.9 per cent over the same period to $796,786. The MLS® HPI composite benchmark price was up by two per cent year-over-year.

New listings entered into TREB's MLS® System in September 2018 amounted to 15,920 – down by 3.1 per cent compared to September 2017. With sales up year-over-year and new listings down, market conditions became tighter. Many buyers may have found it more difficult to find a home meeting their needs.

"It is healthy to see sales and prices in many areas across the Greater Toronto Area up a bit, compared to last year's lows. At the same, however, it is important to remember that TREB's market area is made up of over 500 communities. Market conditions have obviously unfolded differently across these communities. This is why it's important to work with a REALTOR® who is familiar with local market conditions in your areas of interest," said Mr. Bhaura.

"While higher borrowing costs and tougher mortgage qualification rules have kept sales levels off the record pace set in 2016, many households remain positive about home ownership as a quality long-term investment. As the GTA population continues to grow, the real challenge in the housing market will be supply rather than demand. The Toronto Real Estate Board is especially concerned with issues affecting housing supply as we move towards municipal elections across the region," added Mr. Bhaura.

On a monthly basis, after preliminary seasonal adjustment, sales edged up by 0.2 per cent in September 2018 compared to August 2018. The average selling price, after preliminary seasonal adjustment, edged lower by 0.5 per cent month-over-month.

"Generally speaking, annual rates of price growth have been stronger for higher density home types in 2018, including condominium apartments, townhouses and semi-detached houses. In many neighbourhoods, these home types provide more affordable home ownership options. This is why a policy focus on increasing mid-density housing options throughout the GTA is important," said Jason Mercer, TREB's Director of Market Analysis.

Source: Toronto Real Estate Board

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September Market Report

26 September 2018
Larose Team

‘Sales were up in August and we forecast a strong fall season’ says Kevin Larose for the Larose Team. We are experiencing some inventory shortages in some of our key areas and are working on digging up private deals for buyers that we have looking for a good property here in Port Credit.  ‘There just haven’t been enough good properties for sale this year’ says Kevin.

In Mississauga, overall unit sales were up 12% in August and the average price was up 10%. This is  a significant change from what we have been experiencing this spring as markets last year started to level off in the 2nd quarter. Active listings are down 6% to last year which has accounted for some of the price gains. The market is very balanced right now with about 2.2 months of supply and a days on market average of 25. This bodes well for both buyers and sellers.

Looking ahead, buyers will continue to face higher interest rates and tighter policies surrounding mortgages. This will keep home sales activity in check for the balance of this year and into 2019 predicts RBC Chief Economist Dawn Desjardin. We continue to see a large influx of immigration here in Ontario which is keeping the demand for housing high. Mortgage rate increases will be the deciding factor on how the housing market will fare next year. Uncertainty around the NAFTA agreement also plays a factor.

‘We have to understand the housing market is affected more by what is going on locally in our community’ says Kevin. With a strong economy and many housing projects planned here along the Lakeshore corridor, we don’t see prices decreasing anytime soon.

What does this mean for sellers? Home prices have appreciated 37% over the past 3 years here in the GTA. We don’t anticipate any increases like this over the next 2 years. It’s a great time to sell.

For Buyers- interest rates are expected to increase once more this year and by a half a point next year. This will mean more interest payments on mew mortgages- time to buy is right.

For a confidential and professional market evaluation, please contact us at 905.278.7355 or email info@laroseteam.com

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The hot topic over the past few weeks in the media is the new Supreme Court ruling that forces the Toronto Real Estate Board, the largest board in the world, to grant access to past sales data to brokerages all across the GTA via a new data feed.

The major difference is up until now, Realtors have had to pull this data manually and email it to our clients. Just to clarify- the data has been available for many years on other websites such as Geowarehouse or Teranet- but for a fee.

What this means is 2 years worth of past sold data will be available via a new data feed to all Treb members who will now be allowed to use the feed to post data on password protected websites. This feed in being made available as this newsletter is bring published- although access is coming slowly due to high demand. With over 50,000 members, you can expect there will delays in obtaining archived data from transactions back to September 2016.

Understand you will only be able to get this sold data by accessing a Realtor password protected site. We will have the data shortly and will make past sales available through our site at www.homesoldprices.ca.

As you can imagine, TREB was inundated with requests and we are processing them in the order that we receive them. We expect to roll out solds to the public over the coming weeks. We ask your patience as we work through the details of this new process with TREB.

Interested in signing on to our password protected VOW site--- sign up at www.homesoldprices.ca

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Condo price gains continue upward trend

The real estate market in the GTA has seen demand move high throughout the summer, especially in the month of August, which is known to show less real estate activity.

According to the Toronto Real Estate Board (TREB), in Mississauga, condo apartments saw the biggest price gains with an average price of $418,474- up 9.7% compared to August 2017, when the average price of condo apartments was $381,154.

There were 224 condo sales in August 2018 which didn’t waver too far from the 226 condo sales in August 2017. There was a year over year drop in both new and active listings, with 326 new and 350 active, compared to 388 new listings and 477 active listings in August 2017.

The average days on market period for Mississauga condos was 24 days, which didn’t differ too strongly from 23 days on market the previous year.

Comparatively, in Toronto, TREB numbers show condo apartment prices reached an all-time high in August. TREB reported for a typical condo, a benchmark price of $505,500, in August, up 9.94% from the year before.

“Market conditions in the summer of 2018, including this past August, were tighter than what was experienced in the summer of 2017,” said Jason Mercer, TREB’s Director of Market Analysis, “In August, the annual rate of sales growth outpaced the annual rate of new listings growth.

If you are looking to make a move this fall, please contact us at 905 278-7355 or email info@laroseteam.com

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LIVE IN THE SOUTH MISSISSAUGA COMMUNITIES?

Download our August Newsletter to see TREB's community stats for number of houses sold, average price, says on market, and sale-to-list price.

Port Credit

Mineola

Lorne Park

Lakeview

Lakeshore Condos

Don't live in one of these areas? We can still provide you with up to the minute market stats. Visit homesoldprices.com to get started!