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if you have your mind set on the pur- chase of real estate but do not have enough cash to meet the full price and down payment on the first mortgage, there is a solution. Second mortgages are also available and nothing to be afraid of. The owner may agree to take your promissory note and mortgage for the balance. This mortgage is usually for a smaller amount, and a shorter term than the conventional mortgage. But no matter what kind of mongage you arrange, be very clear about its terms and conditions. Many mortgages contain pre payment penalties, which means that if fit*******t*t**ttit **********t*i**** * 1 year new. 3 bedroom backsplit, family room with open fireplace and walkout, parquet floors throughout, double garage. Just immaculate! Edward Gaughan. 225- 8013. 223-2110. RICHMOND HILL HILLCREST MALL Must sell. Immediate possession. Fantastic SECOND MORTGAGE SOLUTION MAPLE Must sell. Immediate possession. Beautiful sidesplit, 3 bedrooms, fabulous family room, stone fireplace, on large lot, 61’ x 145’, garage, all appliances. Walk to Plaza, bus to subway. Edward Gaughan, '225-8013 or 223-2110. Ring the bells with Christmas cheer, as we take a moment to send all ofyou our warmest ' wishes for a happy holiday and much gratitude for your loyal support. It’s been a pleasure to serve you. (The sign thit makes the difference' KEITH HOOD REAL ESTATE LTD. From the Staff of Realtm H.S. SADLER FRI. R.P.A. ONTARIO LAND ECONOMIST EMERALD ISLE REAL ESTATE LTD HOUSE OF THE WEEK 55 If there is anything we can do to help you in the field of real estate, please phone or drop in at EMERALD ISLE REAL, ESTATE LTD. 102128 Yonge St. Richmond Hill. Phone: 8842377. We’re here to help! Your Realtor is fami- liar with these many clauses and can be helpful in assisting you to understand them. you decide to pay off the mortgage in advance, you have to pay an extra charge. There will also be clauses protecting the lender from your da- maging the property or tearing it down. So it's important to read the fine print and understand what it means. CEsta tc A special thank you to all our loyal friends and patrons T0M.!‘!!!’BPHX HEAL .E§__TATE . wwwwmwx SWW‘ZfiWWW‘ F amqu'mg experwxuze GuarantyTrust Realtor‘ RICHMOND HILL Inspection of this Richmond Hill home is a must, if you’re interested in fine craft- smanship. Well insulated to make both summer and winter air conditioning economical, this 3 bedroom back split home offers two distinctive fireplaces, a spacious and unique kitchen, family room, games room, two car garage. TO VIEW CALL ERIC GAULT OWNER MOVING 4 bedroom link villa â€" walkout from basement, paved drive, broadloom, single car garage. AURORA. Must be seen to be appreciated. TO VIEW CALL BRIAN BAILEY $57,500.00 MUST BE SOLD â€" lovely 3 bedroom bungalow, finished basement with 4th bedroom in basement, lot backs onto park- way, close to schools, transportation. Many extras. FOR APPOINTMENT TO VIEW, CALL GARTH PALMER may sometime be â€" when you are selling a hovuse: keep and treasure your memones for yourself â€" and offer for sale â€" A HOUSE! Your reasons tor selling can be varied and usually easily apparent to you. Your feelings about the house at the time a sale is possible. might sneak up on you and distract your practical approach to re- viewing an ‘offer to purchase'. Difficult though it A buyer is hot likely to place any value on your memories. sentiment or labOur of love you have in a house He may not even use it in the same way you have used it. Your attitude toward the sale of your property can be a distinct advantage to you. Once you put your home on the market try to think of it as a purchaser would â€" as a house. This should keep you in an objective frame of mind. allowing you to deal With the marketing and sale more effectively. On the other hand, if you feel you are selling your home. you might place yourself in the position where you can be offended. If upset by the offered price, or some special item requested in the offer. it's possible to loose not only your objectivity, but also the sale you want 8842377 When you are what the purcha: or your home? During this special season of the year, I would like to take this opportunity to send you our thanks and best wishes... may you all enjoy health and happiness in 1978. It has been our privilege to serve you in the past, and we will continue to do our utmost to merit your confidence and contin- ued business. A HOUSE or YOUR HOME? 10117 Yonge St., Richmond Hill Guaranty Trun Company of Canada you are selling your property ask yourselt purchaser is buying. Is he buying a house. .‘I1‘IIIIH‘I'\ nl' Turk ('ount) . Unlurin & ("zlnzuliun \suwinliun 0| Ih-ul i-Mutr Bonl‘llx YORK REGION REAL ESTATE BOARD The Management and Staff 8845422 773-4391 884-2498 Heated building 150' x 60', large parking lot. tables & chairs. Suitable for bazaars, bingos. politrcal meet- mgs‘ shows. rallys. fund rarsmgs. etc. Reasonable rent Just ’1 miles north of Steeles Avea. York Farmers Market 7509 Yonge St, Thomhrll. Call Ed MATURE woman requires furnished one bedroom apartment now till the end of March. Parking. 889-7629. Cladding a WANYED â€"garage Sultable to: small dump truck Requued for winter months. Phone 889-6884‘ Weekdays & Sundays NEWMARKET area. 13 room Century home, close to schools, etc. 3450. per month. References requited. Immediate possessnon. Days. 889- 7881. Evgs. 8811551 RICHMOND HILL. 2 bedroom house for vent. Appliances included. $250.00 per month‘ Available January‘ 773-4528 51 3c JEFFERSON Sideroad â€" Bathurst. l me lo! and new 11 room ranch bungalow. 3 gavages. Possession December lst. 663-9720 or afte! 5 pm. 884-2255. ttcl8 RICHMOND HILL, 2 bedroom bungalow Reasonable Refetences. Available now. 889-6760. SEVERAL homes f0! rent m the Rich mond Hill atea. 881-2102, 4884386 THORNHILL, bungalow. 2 bedtooms‘ avaalable Immediately, Phone 889 6843 after 6 pm filmmummmmmmummmmwmummmmmunmmmmmw THORNHILL, three bedroom town- house. family room, garage. schools 2 appliances. No pets. $385 881-4768. ‘ PROPERTIES to be sold to: tax anears OHICIBI Ontano Inslsv Dept RLW Box 5380. Station F Ottawa. Ont. KZC 3)]. u: Four bedroom 2 storey detached Halfacre lot. Main floor family room $70,000.00, gmmmmmmmnmmmmummmmmmn ‘3‘ Wanted To Rent 154 RICHMOND HILL BEAUTY JUST LISTED â€" $67,500. Sparkling 3 bedroom brick bungalow on quiet street close to all schools, shopping and transportation, bright family kitchen, gracious living-dining area, must be seen. CALL TERRY MACEY. DRASTICALLY REDUCED! ! $20,000. DOWN â€" $550. M0. Richmond Hill West. 5 bedroom solid brick detached. Separate living area for teens or in-laws. 2 fireplaces, close to all amenities. CALL ERNA GRZINCIC. "’3 Halls For Rent WISH TO EXTEND TO ALL OUR MANY FRIENDS AND CLIENTS Fuel Oil FOR RENT 887-5435 Ramer Fuels Houses to Rent AURORA JIM GAUGHAN MANAGER 727-2784 THE MANAGEMENT AND STAFF OF N.S. SMITH REAL ESTATE LTD LOCAL FUEL OIL DEALER PHONE 884-1313 A VERY WARM AND MERRY CHRISTMAS AND A MOST PROSPEROUS AND HAPPY NEW YEAR and Enterptises Ltd. 189 CENTRE ST. EAST RRCHMUNO “1U. 2 offices with large work area. $225. monthly Private Lockups in large heated Industrial building. “Reasonable Rents” 5709 Steeles Avenue West We have funds to lend for renovations, debt consolidation, or any other purpose - No Penalties for prepayment - No Hidden Costs - Best Rates Er Terms - Up to 20 - year amortization â€" Up to 85% of appraised value. Fa fast loan amroval serv'm come to us. We're in your neiglimurhood. WAREHOUSE SPACE Loans for Home Owners "Ask about our 6 per cent Purchaser Assistance Program" 884-9257 OFFICE SPACE FOR RENT Nuthtown Shopping Centre 5305 YONGE ST. 2200300 NATIONAL TRUST THE MONEY MANAGERS 128 ‘29 Business, Office Space IIHIMI [IHII‘ "III" 2nd Mortgages 743-5845 ‘“ Mortgages 884-4425 Industrial Space apply ROOM m Thomhlll Co-op farm house Available for person 25 to 35 years. 8897157. Congenlal man to share apartment or $20 per week. Cooking faculties. Televisnon. Teiephone Yonge - Steeles BRADFORD TOWNCENTRE COMMERCIAL SPACE 887-5251 or 887-5795 Accommodation FOR RENT IN PRIME LOCATION IN 889-6913 ‘5“ Shared COUNTRY GARDEN CHARM RANCH BUNGALOW â€" WELL TREED LOT Combination living-dining room, bright kitchen with breakfast nook, 3 bedrooms, finished rec room and game room, paved drive and attached garage, asking $79,500. To inspect call DICK PLUMMER. A CHRISTMAS SPECIAL WILLOWDALE â€" $2.000 - $3.000 DOWN Gorgeous 2 bedroom condominium, tastefully decorated, central air-conditioning, owner has bought. CALL BERT GREEN. lONWiDEâ€"+ Group Realty Limited We can help you buy or sell anywhere in Canada through Nationwide. For prompt effective action selling your home, CALL JIM GAUGHAN. IHREE bedroom apartment for rent Adults only. No pets‘ 884-6840. THE LIBERAL. Wednesday. December 2]. 1977 â€" for rentm Bradford. Bachelor 1, 2.3 bedroom. Sauna. Underground parking. Also new spacious luxury 2 5 3 bedroom apartments available. ATTRACTIVE 1 bedroom unfurnished private entrance. appliances. 3200 Utilities paidi Broadloom. 884-8286 In pnvale home. furnished. 10 1 utes to Newmarket. 1 - 473-6944 ONE bedroom apartment. available immediately. Apply: 160 Essex Ave.. Apt 110. Richmond Hill. 2 bedroom apartments, Eqmpped. heat hydw. water Included. Avanlable January and February. PHONE 775-3128 or 775-7238 or 775-7383 42 llocated In a shopping centre. Lots of parking space. Operated by 4 stylists. Good potential. 5 year lease at roughly $325.00 per month in- cluding maintenance Busrness has been run for 5 years. Take over anytime. 727-1631 - m ADULT BUILDING An condmoned, heated. Richmond Hill $125 monthly 884-5444 mu STORE for rent, air conditioned. Yonge.St up to 500 squale feet. Must be seen. Will rebuild to suit. Phone 727-6633. 48 4c SPACIOUS APTS Call 863-9634 Reasonable. 13130 Yonge Street Oak Ridges ‘29 Business, Office Space Well established business ONE BEDROOM APARTMENT TWO STORES FOR RENT 172 884-2475 SUITABLE FOR SMALL OFFICE 600 SQ. FT. Apartments To Rent STEVE 889-7624 tfc 24 47 3c 46AM Twin Pine Farms Board available ROOM for rent. Cooking facilities. Central Richmond Hill GO bus at corner 884-7000 aflef6. “C35 FURNISHED room, share kitchen, near Yonge St; Oak Ridges. 773- 5578. c2w25 Colonial Motel 889-4823 MOTEL units. telephones. 4 piece baths. telewsmn. Weekly- daily rates. facilities. Close 832-1080. ROOM Wlth private entrance. Gatage FOUR unfurnished rooms in large house, centre of Maple, $100 per month plus utilities. Share kitchen. 832.2561 c3w24 Horses Boarded ROOM, private entrance, kitchen and wasmoom faculltles, cable, broadloom‘ pnva’cy, suit clean quiet working gentleman. 8844377. HWY 7 - Keele. WOIklflg male. nicely furnished. broadloomed. shale kitchen. 335, weekly. Parking. 669 2258, c2w SMALL furnished bachelm near Hillcrest Mall for single female. $150 per month. No pets. 884-9490. Large Box Stalls soneedasetofheavyhamessovsled AURORA, large 3 bedroom apartment In modern 10vplex, 3300. includes heat, hydro‘ water and parking. Adults. 88449274. AURORA. one bedroom apartment in modem 10-plex. $210. includes heat. hydra water and parking, 884- 9274 ONE bedroom apartments, age 25 and ovev, broadloom utilities. parking Included. January 15th, 884-1986. ONE bedroom apartment, Available January lst. Utilities Included. Broadloom throughout. Evgs. 884- 9845. TWO bedroom apartment, adult bunldmg. 47 Elmdale CL, Richmond HI”. 881-8137. ONE bedroom apanment. modern kitchen. Business or muddle‘aged preferred. 884-0931. c2w25 SUBLET] bedroom apartment, $216 monthly‘ Avallable immediately. Supt. 884-49064 ‘7“ Rooms For Rent 883-4723 351 1-895-9786 172 Livestock Apartments To Rent and Old B to transportation C4w23 c2w24 c2w25