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rst-time buyers who are saving for a down payment on their own without help from family are more apt to buy outside because of affordability. Q What else is attracting them outside the core A Theres a limited amount of growth in the city so if youre looking for a new home and a lot of space youre going to leave the core. Theres also more and more development throughout the GTA and as companies move to the smaller communities outside Toronto people will follow because the costs of living and housing are lower. Plus they will only go so far for work distance and transportation costs dictate where you can afford to buy. But as long as people have access to transportation into the city they are ne looking farther and farther outside. One of those bedroom communities thats growing greatly is Bradford. The development is unbelievable Families started moving there because of the lower cost of housing within an hours drive of Toronto. That migration created a population boom which created demand. And that led to the development of the infrastructure to support that growth. Vaughan is doing it differently. Its building the towers to attract businesses to a manufactured downtown core that its developing on vacant land. Its also implementing transportation by building its own rapid transit system. What Vaughan is doing is ingenious because it is rst building the industry and that will attract the people. Build it and the homeowners will come DETACHED LIST PRICE 319900 A fully renovated four-bedroom two-bath two-storey detached house located in the north end. The 2200-square-foot home features hardwood oors throughout and updates include a new roof furnace and central air plus newer vinyl windows. Sliding doors off the main oor open to a large backyard that boasts a covered deck. Listing agent Joulia Tropinina sales representative Royal LePage Niagara Real Estate Centre Home may no longer be available but was for sale as of press time and is used to illustrate variety in the local real estate market. Images are representational only. WHAT 320000 BUYS IN ST. CATHARINES WHY ST. CATHARINES ROCKS As rst-time buyers in the Greater Toronto Area expand their house hunting beyond mid-gentrication Hamilton into the Niagara Region St. Catharines is the next great nd. Michael Mazzolino a broker with REMAX Garden City Realty explains why Niagaras largest city is emerging as a GTA alternative worth considering. Q St. Catharines is on the upswing. Whats attracting buyers from across the GTA A On one side we have Niagara Falls with its casinos on the other we have 14 GENWORTH CANADA SPRINGSUMMER 2016