TEAM HILSON ( Milton Real Estate )

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Teri Lynn & Norm Hilson

  • 363 Nunn Court Milton, On

    RAVINE LOT! Welcome to Milton's Scott district where you will find homes of distinction. This 4 bedroom, 5 bathroom beauty sits on a quiet sought after street that backs onto a tree'd ravine. If privacy is what your looking for and, a floor-plan that works for the growing have found your home. The main floor offers hardwoods, beautiful ceramics, 9' ceilings, large windows, elegant staircase and a massive eat-in kitchen that overlooks the cozy family room. Enjoy the main floor laundry with access to the double car garage. The upper level offers 4 large bedrooms an elegant 5 pc master en-suite, a main 4pc bath plus a 3 pc bath for guests. The finished basement flows perfectly with a 2nd summer kitchen, 3pc bathroom large sitting area and so much more. This is a must see! Book your personal viewing to this fabulous property.
  • 6 Acres Of Beauty

    Custom Bungaloft situated on 6 acres of gorgeous property. Rarely do property's come on the market that tick off all the boxes. 13311 Sixth Line will surely impress from the stone facade, interlocked walkways, massive pond, heated workshop. The interior offers custom mill work rustic looking hardwoods and an abundance of windows for natural lighting. The large principal rooms work great for a large family but still offers that cozy home feeling. The main floor master bedroom with 5 piece en-suite overlooks the pond and large birch trees and offers access to a private patio through the garden doors. No space wasted as the finished loft area will easily accommodate the extended family and for the car enthusiast! come check out the 1550 sqft heated shop. Hard to find property with all this and easy access to 401 
  • Unbelievable Property!

    Welcome to 22 Concession 14, East in sought after Flambourgh, On. Rarely do property's as distinguished as this hit the market. Perched up high overlooking the surrounding countryside sits an all brick custom built bungaloft. The home offers triple car garage, in-law/nanny suite, custom kitchen, custom built in cabinetry, large master bedroom with en-suite, stunning vaulted ceilings, magical wall finishes, rec-room with wet bar are just a few of the offerings. Call The Hilson Team for more info or a personal tour. 
  • 26 Acres of Beauty

    Welcome to 10305 First Line located within the village of Moffat, ON with easy six minute access to the 401, yet being an oasis of tranquility central to the major urban cities of the Golden Horseshoe. Nestled in a secluded neighborhood of gentleman farms and estate homes this property offers 26 acres of privacy, pasture, meadows and forest. Whether it is the deer, Canada geese, other wildlife, your own pony or dog, the property offers a habitat that accommodates the best of country life without escaping the comforts and amenities of urban living. This raised bungalow creates the comforts of home with a taste of the cottage life all rolled into one spectacular package. Enjoy your morning coffee while sitting out on the expansive upper decking or on the lower walk-out patio. The large Master bedroom with ensuite also offers a walkout to a deck. The kitchen layout works great with easy access to the dining area for formal get togethers. Relax in the living room with large windows offering loads of natural lighting. The lower level offers a bar (all plumbed for wet bar); sit back and take in the game in the finished rec-room! The unique house layout could easily facilitate an extended family. If that's not enough, the home offers its own fully attached cedar lined recreation building with 16 x 32 in-ground, indoor pool! A 1000 square foot block/concrete outbuilding with hydro offers multiple opportunities including a workshop or studio. This 26 acre property provides endless opportunities; estate property, executive retreat, equestrian farm or just a wonderful place to raise your family.

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  • Coming Soon!

    Located at the end of a long paved driveway dotted with beautiful tree's sits 22 14 Concession. If your looking for a high end bungaloft this one will melt your heart!. Settings like this are hard to find perched up high on 6 acres of lush grasslands and forest with walking trails, wake to the sounds of wild turkeys, and deer meandering through the property. The home has many upgrades that must be seen to be appreciated but here is a few. Large windows for panoramic views and loads of natural lighting, stone fireplace, hardwoods, upgraded kitchen with quartz counters, master en-suite, trecks deck, triple car garage, and the whole home is completely automated with Control4. Call The Hilson Team for more info 289-242-3342
  • New Home Owners Incentive

    The government's First-Time Home Buyer Incentive (FTHBI) comes into effect today.

    The program, aimed at making it easier for young people to buy their first home by lowering new buyers' monthly mortgage payments.

    According to the program, which was introduced by the Liberals in their 2019 budget, the federal government will absorb five per cent of monthly mortgage payments on existing homes and 10 per cent on new builds.

     But there are a few notable conditions to watch out for, which have come under fire since the plan's March announcement. Ottawa-based mortgage broker Frank Napolitano spoke with to help lay it all out.

    First off, to be considered eligible, applicants must not have owned a house in the last four years – exceptions will be made for those in a "breakdown of marriage or common-law partnership."

    Secondly, a homebuyers' combined annual household income must be lower than $120,000 before taxes and deductions. As Napolitano says, that qualifier strikes out most residents from Vancouver and the Greater Toronto Area.

    "The max income is $120,000 that can be used for this program, therefore to qualify for a mortgage – if you have no debt – it’s typically four, maybe four and a quarter times your annual gross income so there’s not a lot of properties in the $500,000 range or less. Maximum property value under this program would be $560,000."

    To that end, the FTHBI is more likely to benefit residents in less crowded markets, like smaller urban centres in Ontario, Quebec, the Prairies, or out east where you can still find a home below the price cap.

    Additionally, as Napolitano points out, first-time buyers will still have to cough up default insurance under the plan.

    "We've had customers call us and say 'we'll put the 10 per cent down and then we’ll buy a new build and the government will give us 10 per cent so we don't have to pay default insurance.' False. Regardless of the down payment, this program only works if you have default insurance."

    Default insurance protects financial institutions from default – the premium gets tacked on to your mortgage payments.

    There are obvious paybacks for the government. While they provide an interest-free loan, they also secure shared equity in your home as it goes through gains and losses. This means the amount paid back to the government will fluctuate based on how much your home increases or decreases in value.

    The loan must also be paid back under three circumstances:

    • If you re-finance your home;
    • if you sell your home;
    • or at the end of 25 years.

    Minister of Families and Social Development Jean-Yves Duclos – who also oversees the Canada Mortgage and Housing Corporation – is responsible for the rollout of the program. In an announcement last Wednesday to informally launch the FTHBI, the minister touted the program for empowering the middle class.

    "Thanks to mortgage payments that are more affordable, many families will have hundreds of dollars more each month in their pockets – money to spend on things like healthy food, sports activities for their kids, or even save for the future," said Duclos in the statement.

    The program is expected to serve about 100,000 Canadian homebuyers. Follow the chart below to determine whether you should.

  • Coming Soon Rural Burlington

    Location is key in Real Estate! this special property offers 1.7 acres close to major Highways and easy access to Burlington and Milton. Large country home renovated from top to bottom offering large kitchen with waffle ceilings, pot lighting, beautiful big bright windows overlooking the rolling countryside. Entertain in the formal dining area with wide pine plank flooring and gas fireplace for that extra ambiance. Living area comes with soaring ceilings and access to the front covered porch. The upper level works well with 3 good sized bedrooms full 4 pc bathroom and loads of closet space. If that's not enough head on down to the large rec-room with decorative wainscoting,rich dark flooring, pot lights, even a place to hang the big screen tv. Loads of room for overflow with a large bedroom and 4pc bathroom. Everyone wants a shop and this property delivers with a 1300 sqft shop 3 large overhead doors and hoist. Hard to find all this in one home!! Call The Hilson Team for more info
  • Bank of Canada wants rates back to normal – here’s what that means for your mortgage, line of credit

    Today’s interest rates are still at jaw-dropping, forehead-slapping, eye-popping lows if you judge by historical standards.

    So when the Bank of Canada talks about bringing rates back to more normal levels, you better listen up. Rates have already risen in the past 15 months and it now looks like there’s a fair bit more to come. Brace yourself for numbers you’ve never seen if you got into the housing market after the 2008-09 global financial crisis sent rates plunging.

    The benchmark rate set by the central bank is called the overnight rate and it’s now at 1.75 per cent, up from 0.5 per cent in the summer of 2017. The Bank of Canada wants to move rates back to between 2.5 per cent and 3.5 per cent, which we’ll average out to 3 per cent. This is a neutral zone where rates are considered to be balanced between stimulating and cooling the economy.

    Banks use their prime rate as a base for setting the cost of variable-rate mortgages and lines of credit. The prime is now at 3.95 per cent, which is a markup of 2.2 percentage points on the overnight rate. Let’s estimate a prime rate of 5.25 per cent if the overnight rate does get up to 3 per cent.

    The websites of a couple of big mortgage brokerage firms show variable-rate mortgages at 2.85 per cent, which means a discount of 1.1 points off prime. With a 5.25 per cent prime, this aggressive level of discounting would give you a rate of 4.15 per cent. A $500,000 mortgage amortized over 25 years would mean payments of $2,328 at 2.85 per cent and $2,671 at 4.15 per cent, a hefty difference of $343 monthly.

    Unlike variable-rate mortgages, fixed-rate mortgages aren’t directly affected by the Bank of Canada’s overnight rate. But if the central bank backs up its talk about normalizing rates with multiple increases in the overnight rate in the months ahead, then rates in the bond market could rise as well. This would put upward pressure on the popular five-year fixed-rate mortgage, now available for 3.5 per cent with a solid discount.

    Five-year fixed mortgage rates take their cue from the interest rate on the five-year Government of Canada bond. When we last had a 5.25-per-cent prime rate (in early 2008), five-year Canada bonds were around 3 per cent.

    Today, we have a five-year Canada bond around 2.4 per cent, which means a competitively priced five-year fixed-rate mortgage would be marked up by 1.1 points. With a 3-per-cent Canada bond, you get a five-year fixed mortgage rate of 4.1 per cent. In the precrisis world of early 2008, discounted five-year fixed mortgages went for close to 6 per cent.

    Seniors and lots of boomers will remember when five-year mortgage rates topped 20 per cent in 1981. By mid-2001, five-year mortgage rates had fallen to 7.5 per cent. Now you see why today’s rates are still a bargain, even after a series of increases.

    Finally, let’s look at lines of credit. A home equity line of credit, or HELOC, might be priced at 0.5 to 1 point above prime. So expect HELOC rates of 5.75 per cent to 6.25 per cent if rates return to normal.


  • Marijuana Study

    According to a study 52% of Canadians would not purchase a home if legalized marijuana was grown in the home. Something to consider with the legalization in Canada.   



                                                                                                                     Image result for marijuana pic

  • Staging Your Home

    The Hilson Team defines it as “the process of  highlighting a home’s best features to ensure it appeals to as wide an audience as possible. The goal is to make the home stand out in both pictures and in viewings so buyers walk away wanting to live there.

     Home staging can range in price. According Teri Lynn Hilson owner of, factors that influence the cost are:

    • the square footage of the home
    • whether it’s a vacant property and will require rental of furniture and accessories
    • The Hilson Team has a wide variety of home staging furniture, props to guarantee a successful sale of the property 
  • 8 easy ways to add value to your condo

     #1 - Pack Up the Clutter

     #2 - Clean Every Inch of the Condo

     #3 - Take a Good Look at the Floors

     #4 - Freshen the Walls with New Paint

     #5 - Make the Most of the Natural Lighting

     #6 - How About the Ambient Lighting?

     #7 - Update the Door Pulls in the Kitchen

     #8 - Install Closet Organizers

  • Land transfer tax not permitted outside of Toronto

    The 444 municipalities spanning Ontario will not be given the same power as the city of Toronto to impose a local land transfer tax.

    Municipal Affairs Minister Ted McMeekin surprised the Opposition during question period Tuesday by announcing the Liberal government would not allow towns and cities to impose their own land transfer tax on top of the province's.

    The province did its usual consultations on the Municipal Act following last year's local elections and found "no one was asking" for a land transfer tax, McMeekin told the legislature.

    "We are currently reviewing that feedback and can tell you there has been no call, at all, for a municipal land transfer tax, nor is there any legislation before the house that would allow this," he said. "Let me be clear: there will be no extension of the ability to have a land transfer tax to any municipality (outside Toronto)."

    The Progressive Conservatives celebrated after McMeekin's surprise announcement, but also accused the Liberals of floating the land transfer tax as a trial balloon.

    "It just recognizes some of the concerns that municipalities have," said deputy PC leader Steve Clark. "I'm glad the minister made the right decision."

    The Tories claimed the municipal land transfer tax has already cost Toronto up to $2.3 billion in lost economic activity and 15,000 jobs, but there are no indications it has cooled down the city's real estate market.

    McMeekin accused the Tories of using scare tactics to warn people that a land transfer tax would hurt home sales, and said he wanted to make it clear that the province was not imposing such a plan.

    "There was a campaign of misinformation there and it just made sense in the house, to me, that I stand up and clarify and that's what I did," he said.

    Cash-strapped municipal governments are looking for new revenue tools, added McMeekin, who suggested some may want to follow Toronto's lead and impose development charges.

    "That's a potential significant source of revenue," he said. "They have certain tools that many of them use wisely, but some aren't using fully."

    The Opposition said McMeekin should come up with some solid ideas and suggestions for local governments to help them increase their revenues.

    "The minister cannot continue to float trial balloons up to municipalities," said Clark. "He needs to actually have a meaningful consultation with them and table some of his suggestions so they can have that discussion."

    Clark said the Liberals only backed down because of his private member's motion -- which was scheduled for debate Thursday -- that said the government should not impose or help municipalities facilitate the imposition of a land transfer tax.

    "Until I tabled the motion, which put it in the public realm, they would have continued doing what they've been doing and talking behind closed doors," he said. "It's not the way to consult."

    The Ontario Real Estate Association called McMeekin's decision a "huge win" for people who dream of home ownership.

    "It reaffirms that the municipal land transfer tax is a bad revenue tool, not just outside Toronto but in it as well," said OREA president Patricia Verge.

  • Attention New Canadians

    Great program offered by Genworth Financial contact Team Hilson for more info.
  • Purchase Plus Improvements Mortgage

    Team Hilson keeping you informed

    The importance of using a local Realtor.
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