Application forms now available for Septic Rehabilitation Loan Program

by qronrocc 14. August 2014 05:52
August 14, 2014...Over the summer we have had cottage & rural properties for sale that require new septic systems. The City of Kawartha Lakes has a program that may be useful for both seller and potential buyers. April 28, 2014 - The City of Kawartha Lakes has developed a loan program for property owners in the City to undertake repairs to their septic system, or if necessary replace it. The program has a repayment schedule ranging from 5-20 years depending upon the amount of the loan. Council has allocated $150,000 to the program and loans will be issued on a first come first serve basis upon receipt of an application meeting all the necessary criteria of the program. The maximum amount of the loan is 25% of the current value assessment of the property to a maximum of $35,000 (including taxes). If the property is owned by more than one person, all owners must sign the agreement with the City with the loan being a lien against the property. Where there are other financial obligations attached to the property, applicants must comply with their obligations to other lenders as this loan takes priority over other registered interests appearing on title. Mayor Ric McGee said: “This program provides a unique opportunity for rural residents to upgrade their septic systems and obtain financing that will be paid on their taxes at a lower interest rate than what most people would be able to achieve through conventional lending institutions. A great time for homeowners to address concerns with their private systems to improve the environment and ultimately local water quality.” Applications are available on the City’s website, and through the Municipal Service Centres.


Harmonized Sales Tax (HST)

by qronrocc 22. March 2010 07:29

Harmonized Sales Tax (HST)

What is HST?

·It is the merging of the current Provincial Sales Tax (PST) with the Federal Goods and Service Tax (GST) into one new tax.

Who does it affect?

·The new HST affects Ontario and British Columbia.

·Nova Scotia, New Brunswick and Newfoundland have already implemented a Harmonized Tax while Saskatchewan, Manitoba, Quebec and Prince Edward Island all collect a separate Provincial Sales Taxes (PST) or QST for Quebec.

How much is it?


British Columbia


Provincial Sales Tax (PST)



Federal Goods and Service Tax (GST)



New Harmonized Sales Tax (HST)




When will the HST be implemented?

·July 1, 2010.

How does it affect the sale of my current owner occupied principal residence (re-sale)?

·The sale of housing that has been previously occupied by an individual as a place of residence and that was exempt from GST would also be exempt from HST.

When does the HST apply to the sale of a new construction home or new rental property?

·Builders’ sales of newly constructed or substantially renovated homes would be subject to HST when both ownership and possession of the home are transferred after June 30, 2010.

·The provincial portion of HST would not apply to builders’ sales of newly constructed or substantially renovated homes that are taxable under the GST where, under a written agreement of purchase and sale, ownership or possession of the home is transferred before July 1, 2010.

·The HST would not apply if either the ownership or possession of the complex is transferred, under a written agreement of purchase and sale, to the purchaser before July 1, 2010 or if the sale was entered into on or before June 18, 2009 in Ontario and November 18, 2009 in British Columbia, regardless of the ownership or possession date.

Is there a Housing Rebate?

·Yes, new housing rebates would apply when HST is charged and the purchaser would have qualified for a GST rebate.

·Please visit and for more information on the rebate.

Are other closing costs subject to HST?

·Yes, other costs associated with the purchase of your new house, including legal fees, home inspection fees, appraisal fees and real estate agent commission fees will be subject to HST.


Olympic Torch Relay Comes To Lindsay - December 16, 2009

by qronrocc 7. December 2009 05:37

 Downtown Lindsay is getting all ‘dressed up’ in preparation for the Vancouver 2010 Olympic Torch Relay that will arrive in town on Wednesday, December 16th.

Colourful banners featuring the Torch Relay logos were put up in the downtown BIA area. “We are putting our best face forward for the Torch Relay and the Christmas season,” said BIA Board Member Barb Evans.

The downtown stores in the BIA area will also be competing in a window decorating contest in the Olympic theme. Windows will be judged on Friday, December 11th.

The BIA has been working in partnership with the Torch Relay Community Task Force on plans for the Community Celebration. “The downtown store owners are very excited about the Torch Relay and we are proud to be involved,” said Evans.

To celebrate the arrival of the flame in Lindsay, there will be a Community Celebration held downtown at Kent St. W. & Victoria Ave. beginning at 10 a.m. The Celebration will feature local entertainment  by students from Jack Callaghan Public School, St. Dominic Elementary School and Queen Victoria Public School, the Lindsay Gymnastics Centre, The Odyssey Project, the Lindsay Triple Threat Theatre Group and The Strumbellas, a blues/pop band.

There will be lots for everyone to do as Coke and RBC will be providing activities at the Celebration site. You can have your picture taken with the Vancouver 2010 Olympic Torch while you sip on samples of Coca-Cola in a cool collector’s bottle. Take your RBC passport with you as you tour their Eco-Home and discover how you can make small changes to improve the efficiency of your home and save money.

“We encourage everyone to come out to the Community Celebration and be a part of this once-in-a-generation experience,” said Mayor Ric McGee.

The 106-day Olympic Torch Relay will visit more than 1,030 communities and places of interest in every province and territory. On February 12, 2010, the Olympic Flame will make its way to downtown Vancouver to light the Olympic Cauldron in a magical and awe-inspiring moment before a television audience of three billion people worldwide, signaling the kick off to the start of the Vancouver 2010 Olympic Winter Games.



HST Legislation Means BIG TAX increase on Home Buyers & Sellers

by qronrocc 17. November 2009 09:59


News Release






HST legislation means big tax increase on home buyers, sellers and owners, say Ontario REALTORS®

(Toronto, November 16, 2009) – Today the Government of Ontario formally launched its latest assault on homeowners, purchasers and sellers with the introduction of Bill 218, the

Effective July 1, 2010, home buyers and sellers will pay 8 per cent more on legal fees, appraisals, real estate commissions, home inspection fees, and moving costs, adding about $1,500 in new taxes to the average residential real estate transaction in Ontario.

For homeowners the HST will also add hundreds of dollars in additional tax on utility bills, such as gas, electricity and home heating fuel, on home renovation labour, the cost of lawn upkeep or landscaping and the cost of snow removal.


"The Government of Ontario can try to sell the HST any number of ways but starting July 1, 2010 the taxes on buying, selling and owning a home in our province will go up," said Pauline Aunger, President of OREA


"An HST on homeownership will reduce housing affordability and increase the tax burden for Ontario families."

"In the last decade, Ontario’s homeowners have faced a barrage of government imposed costs," said President Aunger. "From municipal land transfer taxes to sky rocketing property taxes and now the HST, homeowners are once again being forced to foot the bill for this government’s legislative agenda."


The HST combines the PST and GST into one value added tax, meaning that the 8 per cent PST will be applied to list of goods and services that were previously exempt. The government plans to begin charging the HST to consumers on July 1, 2010.

OREA estimates that the new tax will add

$1,449 in new taxes to an average resale home costing $302,354. OREA also estimates that the HST will add an estimated $262 million in new taxes annually to residential resale real estate transactions.

"Ontario’s housing market is vital to the health of our provincial economy," said President Aunger.
Ontario Tax Plan for More Jobs and Growth Act, 2009 , says the Ontario Real Estate Association.

Homeowners will also have to pay an additional 8 per cent on many services required to maintain their homes. These services were previously exempt from PST and include utilities, home renovation labour, landscaping, snow removal and many others. OREA estimates HST on these services will add $480 in annual tax to the homeowner (based on a family that budgets $500 per month for such costs). Ontario’s real estate industry is essential to the provincial economy. In 2008, real estate in Ontario accounted for $56.6 billion in sales, $6.01 billion in ancillary economic spending and $1.35 billion in land transfer tax revenue to the provincial government. In addition, independent research indicates that resale housing market creates 80,000 direct and indirect jobs. OREA represents 47,000 brokers and salespeople who are members of the 42 real estate boards throughout the province. OREA serves its members through a wide variety of professional publications, educational programs, advocacy and other services.


HST and Average Resale Home in Ontario ($302,354)

Taxable Service

Current Tax Payable


HST Tax Payable


New Taxes


Legal Costs











Sample Real Estate Commission












Home Inspection











Moving Costs











Home Appraisal











Home Energy Audit











Total Est. New Tax:





While the Government of Ontario has tried to compensate Ontarians by offering sales tax transition cheques and a modest income tax reduction, these measures will in no way offset this new tax. A one-time payment of $1000 (for a family of four) and a modest $368 reduction in income tax will do very little to offset the burden of an 8 per cent tax increase on a litany of items year after year after year.

Please tell Premier Dalton McGuinty and Finance Minister Dwight Duncan that we are fed up with increasing taxes. Please vote against Bill 218 and stop the HST.


Save money on your fire insurance if you live in these areas.

by qronrocc 16. November 2009 05:53









“Fire Chief Guilbault advised that on Saturday, November 7


the staff from Fire Protection Survey Services conducted tests for the City’s superior shuttle certification. The following halls will now be

recognized as having completed the superior tanker shuttle certification:






Little Britain


Anyone living within 8 km. of any of these fire halls may now receive a discount on their home

insurance (insurance company dependant). The fire departments were able to pump at 415 Imperial

gallons per minute with all tests which will also change the commercial insurance rates for any

businesses within 5 km. of any of these fire halls. The results will be posted on the Fire Protection

Survey Services website ( for insurance companies to view. The fire department will

continue to work towards full coverage throughout the City for superior tanker shuttle certification as

the rolling stock permits.”


Harmonized Sales Tax and the Purchase of a Home

by qronrocc 12. October 2009 09:44


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