Agnes Hankowski

Agnes Hankowski Making big real estate decisions feel simple and stress free. From first-time home buyers to growing families, I’m here for the long game.

Mississauga & GTA real estate.

Did you know that when buying a home together in Ontario, ONE person may qualify as a first-time home buyer… while the o...
05/27/2026

Did you know that when buying a home together in Ontario, ONE person may qualify as a first-time home buyer… while the other DOESN’T? And yes, it can affect your benefits and rebates.

Here’s how it works ⬇️

You MAY qualify as a First-Time Home Buyer if:
• You’ve NEVER owned a home anywhere in the world
• OR you haven’t owned a home in the last 4 years
• OR you recently separated/divorced and meet CRA conditions

You may NOT qualify if:
• You currently own or previously owned a home
• Your name was on title before (even with family)
• You lived in a home your spouse/common-law partner owned while together

What are the benefits in Ontario?
✔️ Land Transfer Tax Rebate (up to $4,000 provincially)
✔️ Possible Toronto Land Transfer Tax Rebate (up to $4,475 extra)
✔️ Ability to use the First Home Savings Account (FHSA)
✔️ RRSP Home Buyers’ Plan withdrawal options
✔️ Access to certain first-time buyer incentives/programs

IMPORTANT:If one buyer qualifies and the other doesn’t, you may still receive PARTIAL rebates based on ownership percentages.

Example:
If 1 buyer qualifies and owns 50% of the property, only 50% of the rebate may apply.

Every situation is different, especially for couples, parents co-signing, or buyers who owned property abroad.

Thinking about buying and unsure if you qualify? Send me a DM and I’ll help break it down for your situation!

OntarioHomes RealEstateTips TorontoHomes MississaugaRealEstate GTARealEstate HomeBuyer LandTransferTax FirstTimeBuyer CanadianRealEstate RealEstateEducation HouseHunting OntarioHomeBuyer TorontoRealtor RealtorTips HomeOwnership

05/26/2026

City views, natural light, and a location that puts everything at your doorstep.

Take a look inside this stylish 1+1 bedroom condo at Elev’n 21 Residences, perfectly situated in the heart of downtown Toronto between Yorkville and the Financial District. Modern finishes, 9 ft ceilings, and a bright open-concept layout make this space feel both functional and inviting.
▪️ $629,900
▪️ 1 Bedroom + Den
▪️ 1 Bath
▪️ 1 Parking Spot
▪️ Approx. 590 Sq Ft
▪️ Utilities Included in Maintenance Fees
▪️ 24-Hour Concierge, Gym & Rooftop Terrace
Steps to U of T, TTC, shopping, restaurants & more.
📲 View the full listing through the link in my bio or send me a DM to book your private showing!
JustListedToronto TorontoHomes TorontoRealtor YorkvilleToronto FinancialDistrictToronto GTARealEstate CondoForSale TorontoLifestyle

The standard deposit is due within 24 hours of acceptance and it’s calendar hours, NOT business days.If your offer gets ...
05/22/2026

The standard deposit is due within 24 hours of acceptance and it’s calendar hours, NOT business days.

If your offer gets accepted Saturday at 7 PM, that deposit is often due by 6:59 PM Sunday… when most banks are closed.

No bank draft, no wire, no certified cheque = you’re technically in breach.

Sellers can:
✅Walk away and accept a backup offer
✅Keep the deal but come after you for damages
✅Create massive stress and potential legal headaches

What to watch out for:
✅Weekend or evening acceptances (very common in hot markets)
✅Online-only banks with slower processing
✅Forgetting that “24 hours” means exactly that
✅Not having funds 100% ready to move instantly

Pro tips: Negotiate a specific deadline in the offer (e.g. “by 5 PM next business day”) or deliver the deposit “herewith” with your offer when possible.

Don’t let a technicality cost you your home!

Thinking of buying or know someone who is? Tag a friend who should know this or DM me ‘DEPOSIT’ for my checklist on how to protect yourself on offer night!

Have you ever dealt with a tight deposit deadline? Drop your experience below 👇

DepositDeadline FirstTimeHomeBuyer OntarioHomes RealtorLife HouseHunting”

Looking for downtown Toronto living? Look no further.Welcome to Elev’n 21 Residences — a bright and stylish condo perfec...
05/21/2026

Looking for downtown Toronto living? Look no further.

Welcome to Elev’n 21 Residences — a bright and stylish condo perfectly located between Yorkville & the Financial District. Whether you’re a first-time buyer, investor, or looking for a vibrant city lifestyle, this one checks all the boxes.

▪️ Offered at $629,900
▪️ MLS
▪️ 1 Bedroom + Den
▪️ 1 Bath (3-Piece)
▪️ 590 Sq Ft
▪️ 9 Ft Ceilings
▪️ Large Windows with Natural Light
▪️ Open-Concept Layout
▪️ 1 Parking Spot Included
▪️ Maintenance Fees Include Utilities
▪️ 24-Hour Concierge, Gym & Rooftop Terrace

Steps to U of T, TTC, shopping, dining & more.

📲 For more photos and information, DM me or click the link below 👇👇👇

https://www.saugaliving.ca/ON/toronto/m5s3l9/15034002-MLS-C13148410-na-1106---1121-Bay-Street

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Most sellers think they have until 5 PM to move out on closing day… but that’s NOT always true. In most real estate tran...
05/14/2026

Most sellers think they have until 5 PM to move out on closing day… but that’s NOT always true.

In most real estate transactions, the buyer gets possession once the deal is officially funded and registered, and that can happen MUCH earlier in the day. That means sellers should be fully moved out BEFORE closing, not scrambling to pack boxes at dinner time.

Delays in moving out can create major stress for everyone involved:
❌ Delayed key exchange
❌ Extra moving truck fees
❌ Frustrated buyers
❌ Possible legal issues

💡 Pro Tip: Aim to be out the night before or first thing in the morning on closing day to avoid last-minute chaos.

Thinking of buying or selling and want to avoid costly surprises? Send me a DM — I’ll guide you through the process from start to finish. 🔑

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05/13/2026

Happy 12th Birthday to our Cookie 🍪💙
You keep us laughing, keep us on our toes, and make every day brighter just by being you. Watching you grow into such a funny, kind, smart, and amazing kid has been the greatest gift.
12 already… but you’ll always be our little Cookie. 🎉🥹
12YearsOld

Buying a home together?This isn’t just paperwork, it’s how ownership, money, and even the future of your home is decided...
05/13/2026

Buying a home together?

This isn’t just paperwork, it’s how ownership, money, and even the future of your home is decided.

Here’s the breakdown
🏡 Joint Tenants
• Equal ownership (50/50)
• If one owner passes, the other automatically gets their share
• Common for couples

🏡 Tenants in Common
• Ownership can be split (70/30, 60/40, etc.)
• Your share can be left to anyone (not automatically the co-owner)
• Ideal for friends, family, or unequal contributions

Sounds simple… but choosing the wrong one can create BIG legal and financial issues later.

The right structure protects you, your money, and your future.

Thinking about buying with someone?
Send me a message saying “OWNERSHIP” and I’ll help you choose what’s right for your situation before you sign anything.

05/11/2026

This catches SO many buyers off guard.

You walk through a home, see the washer & dryer, and naturally assume they’re part of the deal…

But in real estate, “it was there” doesn’t mean “it’s included.”

If it’s not written into the agreement, it doesn’t have to stay.

That’s how you avoid surprises (and awkward conversations) on closing day.

HouseHunting RealEstateTips RealtorLife ClosingDay KnowBeforeYouBuy HomeBuying101 AppliancesIncluded RealEstateEducation

GTA Market Update for April Home sales are up compared to last April, while the number of listings has dropped, meaning ...
05/06/2026

GTA Market Update for April

Home sales are up compared to last April, while the number of listings has dropped, meaning the market is starting to tighten as we move through spring.

Even with this shift, prices have slightly dipped year-over-year, giving buyers more room to negotiate and take advantage of better affordability. We’re already seeing more buyers step back into the market because of this.

If this trend continues and inventory stays low, we could see prices stabilize, or even start to climb, which may push hesitant buyers off the sidelines.

• 5,946 homes sold — up 7% year-over-year
• 17,097 new listings — down 9.3% year-over-year
• Both sales + listings increased compared to March
• Sales are rising faster than listings → more buyer competition in some areas
• Average price: $1,051,969 (down 4.9% YoY)
• Prices ticked up slightly month-over-month

Thinking of making a move this spring? Now might be your window.

DM me to talk strategy, timing, and what this market means for YOU

GTAHomes RealEstateMarket HousingMarket SpringMarket HomeBuyers HomeSellers RealEstateTips InvestInRealEstate TorontoHomes OntarioRealEstate

Your dream home and future income potential? Yes, it exists. This stunning custom-built home near Georgian Bay offers ov...
05/01/2026

Your dream home and future income potential? Yes, it exists.

This stunning custom-built home near Georgian Bay offers over 3,200 sq ft of living space with 5+1 bedrooms, a bright open-concept layout, and a walkout basement, perfect for an in-law suite or rental income.

Enjoy a spacious kitchen with a large island, stainless steel appliances, and a walkout to an oversized deck with seasonal water views. Cozy up by the wood-burning fireplace or unwind in your private primary retreat featuring a spa-like 5-piece ensuite with heated floors. This home blends comfort, style, and flexibility for today’s lifestyle.

🛏️ Bedrooms: 5 + 1
🛁 Bath: 3+1
🚗 Parking: 2 Garage + 6 Driveway
📐 Square Footage: 3,296 sq ft (2280 above grade, 1089 below grade)
💰 Price: $999,999
📍 Location: 77 Polish Ave, Penetanguishene

📩 DM me “Dream Home” for full details, price, and to book your private showing before it’s gone or click the link below 👇👇👇👇

https://www.realtor.ca/real-estate/29670761/77-polish-avenue-penetanguishene

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Address

480 Eglinton Avenue W #30
Mississauga, ON
L5R0G2

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 5pm
Sunday 10am - 4pm

Telephone

+16472873641

Website

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