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Family’s first Hanukkah in their new North York home after a year-long renovation

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Hanukkah will be bittersweet for Julia Borins this year.

She and her family are beyond excited to celebrate the season in their newly-renovated North York home after a year of construction. She’s especially thrilled to place the giant wooden menorah — hand-crafted by her grandfather — in the front window to honour the holiday, and also his memory.

Julia and Larry Borins with daughters Hana, 5, Ruby, 2, and Lyla, 8, with the family menorah in their refurbished home.
Julia and Larry Borins with daughters Hana, 5, Ruby, 2, and Lyla, 8, with the family menorah in their refurbished home.  (Cole Burston / Toronto Star)

A lifelong woodworker, Al Cornfield built tables, dollhouses, wooden airplanes and other toys and was the go-to guy for home construction projects. He created the Borins’ unique, five-foot menorah, complete with electric lights, 30 years ago back in Montreal.

“When my grandparents sold their country house in Quebec, my mom took the menorah and put it in her house. I hoped that one day, when I had a house and family of my own, I would be able to have it,” says Borins, 37, a special-education teacher for the York Region District School Board.

A few years ago, her parents downsized to a condo and she brought the menorah to her home. Neighbours immediately knocked on her door, marvelling at the giant candelabra. “It definitely became a conversation piece,” she says.

This year, the menorah will take centre stage in the freshly-renovated home of Borins, her husband Larry, 40, a marriage and family therapist, and their three daughters Lyla, 8, Hana, 5 and Ruby, 2, when Hanukkah begins on Sunday, Dec. 2.

Julia Borins and daughters visit their home during its year-long renovation.
Julia Borins and daughters visit their home during its year-long renovation.  (Julia and Larry Borins)

They’ll have room enough for all of their extended family in their spacious new living and dining areas — though there will be one empty chair. Cornfield passed away in April, but not before he saw the Borins’ vision for a home designed to be a gathering place for their families. “My mom would drive him by the house so he could watch the construction.”

The extensive renovation of their 1,600-sq.-ft., three-bedroom, two-bathroom home required a complete gutting to transform it into the 3,000-sq.-ft. modern design with four bedrooms, three bathrooms, a basement playroom and guest suite and attached garage.

They bought the house, in the tightly-knit Summit Heights neighbourhood, in 2012 to bridge the distance between Larry’s job downtown and Julia’s in Vaughan.

As their family grew and they began to feel squeezed, they thought about a renovation. Their “three-page” list of wants included a bedroom for each of the girls with a shared bathroom, a loft-ceilinged master bedroom and spa-like ensuite, floating stairs that allow light to flow through the house, a functional kosher kitchen and plenty of room to entertain.

“We wanted to be able to host Friday night Shabbat dinners, organize parties and be a hub for our families,” says Larry. “That was hard to do in our old house.”

Their spacious home provides room to play with the three-storey dollhouse the girls' grandfather made.
Their spacious home provides room to play with the three-storey dollhouse the girls’ grandfather made.  (Cole Burston for the toronto star)

Architect Simon West, of In House Designs, took on the job of creating a modern and cohesive design. Julia enthusiastically worked alongside him to plan the kitchen of her dreams. With two sets of dishes and utensils — one for dairy, one for meat — she knew exactly how she wanted everything stored. The layout also needed to be open enough for her to supervise the kids while she cooks and private enough to hide the mess when they’re entertaining.

West designed an airy living and dining room at the front of the house with a wall that separates the open-concept family room/kitchen at the back. “It’s perfect. I can see and talk to the kids while I’m cooking and prepping. And when we’re serving Shabbat dinner in the dining room, we don’t have to look at the pile of dishes in the sink,” says Julia.

A matte porcelain island, custom cabinetry, built-in Sub-Zero fridge and four ovens combine for a beautiful and practical kitchen.

The Borins family enjoy the open space of their new kitchen and family room.
The Borins family enjoy the open space of their new kitchen and family room.  (Cole Burston for the toronto star)

The family put their new home to the test the day they moved in, hosting 25 people for Larry’s brother’s wedding Shabbat dinner. “We set up the whole dining room, everyone was out there having drinks and sitting at the table while we were cooking and working in the kitchen. That is exactly why we wanted this renovation,” says Julia.

The kitchen/family room opens onto the backyard via 15-foot, German-engineered custom doors. At $22,000, the doors blew the roof off the budget, but Larry and Julia say the ability to open up their home to the outdoors is worth every penny.

When life feels hectic downstairs for the couple, their master suite serves as an oasis. The ensuite features an ultra-deep claw foot tub and giant shower with an ingenious glass cut-out to capture the light from the master bedroom’s wall of windows.

The Borins' master retreat includes a vaulted ceiling and glass insert that sends light into their large ensuite.
The Borins’ master retreat includes a vaulted ceiling and glass insert that sends light into their large ensuite.  (Cole Burston for the toronto star)

“There’s etching in the glass that extends from knee to chest height to cover the wiggly bits,” says West. “It’s unique, functional and fun.”

West’s layered lighting plan includes LED floor lights under the vanity, tub and toilet. “It’s just gentler in the middle of the night than turning on blaring overhead lights,” he says.

EMBE Construction began the construction process in October 2017 and finished almost exactly a year later. The family alternated living between Julia’s and Larry’s parents’ homes. “It takes a village to raise a child, so we went back to that village,” says Larry.

The floating stairway and slat divider draw natural light down through the house.
The floating stairway and slat divider draw natural light down through the house.  (Cole Burston for the toronto star)

Julia says they were pleasantly surprised at how smooth the entire renovation went. “We had heard horror stories about contractors, but everyone from Simon to Seth Mitchell, our contractor at EMBE, to all the people we worked with at California Kitchens, Stone Tile, Vatero Bath + Kitchen and Royal Lighting were absolutely amazing. We couldn’t have asked for more from any of them.”

And though they’ll feel her grandfather’s absence this holiday season, Julia says Cornfield’s legacy lives on. “Every time workers are missing a drill bit or screwdriver or need a small specific driver head, I have it, thanks to my grandfather,” says Julia. “He’s always with us.”

THE NUMBERS

$750,000: Cost of house in 2012

$790,000: Cost of renovation

$3,600: Porcelain Venetian blue backsplash in kitchen

$2,000: Two slabs of Laminam Tinta Unita porcelain for island

6 inches: The thickness of Julia’s renovation binder complete with all plans and receipts

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Renovating your home? Ask yourself these 8 questions first.

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(NC) You might be surprised to learn there are many health hazards around the home, particularly when taking on any kind of renovation project— even for something as easy as painting a room. But by educating yourself and taking the right precautions, you’ll help keep you and your family safe.

Here are eight important safety questions that Health Canada encourages you to ask yourself before starting your project:

  1. Could the products I am using be harmful? Be sure to follow all use and safety instructions on the label, including how to store and dispose of any leftover products. Remember to look for hazard symbols.
  2. Should I be worried about lead-based paint? Your home probably contains lead-based paint if it was built before 1960. If the paint is in good condition and is not on a surface that a child might chew or that is subject to wear and tear, it’s best to leave it alone or cover it with paint or wallpaper. But if the paint is cracking, chipping, flaking or peeling, or is on a surface that a child might chew or that is subject to wear and tear, you’ll need to remove it carefully to avoid kicking up lead dust.
  3. Could my house contain asbestos? Before 1990, asbestos was commonly used for fireproofing and insulating against cold weather and noise. You can reduce your risk of exposure by hiring a professional to test for asbestos before doing any renovations or remodelling. Avoid disturbing asbestos materials yourself.
  4. Are low-emission products available? Paints and renovation products, like flooring and particleboard, often have a noticeable smell. This odour can indicate that the product contains volatile organic compounds (VOCs). Some chemical products are labelled as “low emission,” which means they give off fewer VOCs and are safer for your health.
  5. Should I ventilate while I renovate? Yes – ventilation can help improve indoor air quality by removing pollutants from the home and by bringing in fresh air from outside. This is especially important when renovating or when using chemical products in the home.
  6. How should I dress? Labels on products used for renovations will include information about what to wear and precautions to take. This could include using gloves, safety goggles or masks and keeping the products away from other hazardous materials.
  7. Can my family take part? It’s best to keep children and pets safely away from the renovation area. Pregnant women should also avoid taking part in renovation projects.
  8. How do I dispose of leftover materials safely? As your project wraps up, continue to keep safety in mind. Read the label or contact your municipality for advice on how to dispose of any leftover chemical products.

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Here’s How Halton Real Estate Patterns Have Changed Over the Years

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We’ve said it once and we’ll say it again, the real estate market is constantly fluctuating. In a recent inhalton article, it was noted that the Toronto Real Estate Board (TREB) called 2018 “a volatile year” for the housing market.

Although 2019 is expected to a little bit better in terms of sales and average selling prices in Toronto and the Greater Toronto Area (GTA), we still have some 2018 statistics and facts that may come as a shock to some Halton residents.

According to a recent RE/MAX Ontario-Atlantic Canada press release, migration patterns of residential homebuyers in the GTA have shifted west. This, according to the release, is due to the Halton Region’s and Toronto west’s market shares rising between 2013 and 2018.

The release notes that the Halton Region captured 10.1 per cent of total market share in 2018, leading with a 2.3-per-cent increase over 2013. On the other hand, Toronto West climbed almost one per cent to 10.5 per cent. The release also looked at market sales in the Peel Region, Toronto Central, Toronto East, York Region, Durham Region, Dufferin County, and Simcoe County.

Over the past five years, there have been many factors that have contributed to Halton’s increase market shares.

“Growing demand for affordable housing buoyed new construction and contributed to rising market share in Halton Region over the five-year period,” Christopher Alexander, Executive Vice President, RE/MAX of Ontario-Atlantic Canada, said in the release. “Product was coming on-stream at a time when the GTA reported its lowest inventory in years and skyrocketing housing values were raising red flags. Freehold properties in the suburbs farther afield spoke to affordability.”

As a result of people flocking to the Halton Region in order to avoid these skyrocketing housing values, an increase of construction and development has become quite common for the region.

According to the release, new housing starts in Halton was averaged to be around 3,100 annually between 2013 and 2016. Between 2013 and 2017, almost 39,000 residential units came on-stream in Toronto’s Downtown and Central Waterfront areas.

Another real estate pattern that has changed, that may not come as a shock, is the average price to buy a house.

The average price for a home sold in Toronto’s west end in 2018 hovered near $755,658. The ever-increasing prices, as noted by Alexander, will have an impact on what type of properties will be more popular in the future.

“Freehold properties remain the choice of most purchasers in Halton Region and Toronto West,” Alexander said. “The same is true to a lesser extent in Toronto Central, but condominiums continue to gain ground. Just over one in three properties sold in the GTA was a condominium in 2018 and that figure is higher in the core. As prices climb in both the city and suburbs, the shift toward higher-density housing will continue, with fewer single-detached developments coming to pass.”

In recent years, as a result of increasing prices, many buyers, including younger buyers, empty nesters, and retirees have shifted towards Simcoe County where the average price ranges from $528,942 to $746.

“As the millennials move into their homebuying years, they will displace baby boomers as the dominant force in the GTA’s real estate market,” Alexander said. “Their impact on housing will have a serious ripple effect on infrastructure in the coming years, placing pressure on transit systems, roadways, local economies and their abilities to attract investors and new businesses, parks and greenspace development.”

However, there has been a demand for condominium apartments and townhouses areas like City Place, King West Village, and Liberty Village. There has also been gentrification in many Toronto neighbourhoods such as Oakwood-Vaughan and Dufferin Grove as they offer smaller freehold properties at more affordable prices.

Over the next 10 years, the increase in demand is projected to re-ignite homebuying activity in Toronto East, York, Peel, and Durham Regions regardless of the affordability, lack of available housing, and fewer transit options that may be apparent now.

What do you think of these shifting real estate patterns in Halton and the surrounding areas?

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How sweat equity and a little home DIY can help you avoid a down payment on mortgage loan

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Saving a down payment is challenging for many first-time home buyers, and even if they manage it, more obstacles lie ahead.

After choosing a lender and getting approved, buyers still have to find a good house that fits their budget. Looking at fixer-uppers can expand their options, but not everyone can afford major improvements after such a big purchase.

Buyers could find a solution in Home Possible, a low-down-payment conventional mortgage from Freddie Mac. These loans offer an attractive option for borrowers willing to apply a little elbow grease: a sweat equity provision that can eliminate the need for a cash down payment.

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Sweat equity allows buyers to “earn” their entire down payment by improving a home before purchase, says Danny Gardner, senior vice president of affordable lending at Freddie Mac. Buyers do the work themselves, and the change in appraised value after the renovations becomes a credit they can apply to the purchase.

Some conditions apply: Using the sweat equity feature requires home improvement know-how and money to purchase materials. The sellers also must be willing to let someone work on their house before buying it.

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But in the right situation, this feature gives first-time home buyers more bang for their buck, particularly in markets where move-in ready starter homes are hard to come by.

Young homeowners love to DIY

America’s desire to bootstrap home improvements could be attributed in part to something known as the “HGTV effect,” which refers to a recent surge of popular home improvement reality shows and YouTube channels featuring do-it-yourself experts.

Thirty-eight percent of all home renovation projects are DIY, according to NerdWallet’s 2018 Home Improvement Report.

Younger homeowners are especially eager to roll up their sleeves – those under age 35 complete more than half of all their own home repair and improvement projects instead of hiring a professional. As a result, they spend several hundred dollars less on a typical project, the report found.

With sweat equity, DIY-obsessed home buyers may be able to channel that energy into a more affordable home.

Who can use the sweat equity feature?

Buyers interested in the sweat equity feature should talk with a lender that offers Home Possible loans. The option is open to any borrower who meets general financial guidelines.

“Home Possible is a great loan program,” says Keith Kampe, vice president of sales at Flagstar Bank. “The only challenge is getting people into it, because there are income limits.”

The program sets household income limits by census tract, an area that’s usually similar to a neighborhood in size. Freddie Mac has an eligibility tool that lets users see the limits by property address.

No matter how you slice it, buying a house requires some money upfront. For sweat equity borrowers, each dollar spent improving the property before purchase pulls double duty as a credit toward their down payment.

But before they can break out the power tools, sweat equity borrowers have to find the right house and a seller who’s comfortable with the unique arrangement.

“There has to be a lot of trust there between buyer and seller,” says Joe Zucht, a loan originator at NBKC Bank. Those looking to buy from a friend, family member or their current landlord may already have that trusting relationship, he says.

If both parties are on board with a sweat equity arrangement, the buyer’s real estate agent will draft an offer that describes all planned improvements and explains what will happen if the deal falls through. Once the agreement is signed, the work must be completed by the buyer before the loan closes – in other words, before he or she owns the house.

Sweat equity borrowers should also be ready for an appraiser to look over their shoulder throughout the process. The appraiser will estimate the value of the remodel and verify that the materials and workmanship match what was promised in the contract.

It’s important for sweat equity borrowers to choose their presale improvements strategically, weighing the money and effort required against the down payment credit they’ll earn. Buyers should also be realistic about their DIY skills and avoid biting off more than they can chew.

While some changes are merely cosmetic, others are capital improvements that can significantly increase the property’s value, extend its useful life or adapt it for new uses. These are typically bigger projects that could include installing a new roof, renovating the kitchen or adding a garage.

Even though it’s a more intense commitment, Gardner says buyers who hope to capture the full benefit of their sweat equity should “focus on capital improvements because once you become the owner of that home, you can always make the cosmetic improvements.”

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