The average mortgage broker in Hamilton has access to a limited number of lenders, usually less than 30. In comparison our company has access to well over 100 lenders. We have over 25 years of experience and we have access to a lot of private lenders which other brokers don't have, this increases your chances of getting financing where other lenders may turn you down. Any good mortgage broker should have a large variety of lenders so you can get a competitive rate with the best options. You should feel comfortable with your broker, we take the time to get to know you and find out your needs and wants. We will treat you like one of our own family and get you the best mortgage loan possible. We will assist you from start until finish, and if you have any questions throughout the term of the mortgage we are always there to help you out. We are with you as long as you need us. 

 

 

Hamilton Information

 

Hamilton is located in Southern Ontario on the western end of the Niagara Peninsula and wraps around the westernmost part of Lake Ontario; most of the city, including the downtown section, is on the south shore. Hamilton is situated in the geographic centre of the Golden Horseshoe and is roughly the midway point between Toronto and Buffalo, New York. Its major physical features are Hamilton Harbour, marking the northern limit of the city, and the Niagara Escarpment running through the middle of the city across its entire breadth, bisecting the city into 'upper' and 'lower' parts^.

According to all records from local historians, this district was called "Attiwandaronia" by the native Neutral people^. The first aboriginals to settle in the Hamilton area called the bay Macassa, meaning beautiful waters. Hamilton is one of 11 cities showcased in the book, "Green City: People, Nature & Urban Places" by Quebec author Mary Soderstrom, which examines the city as an example of an industrial powerhouse co-existing with nature^. Soderstrom credits Thomas McQuesten and family in the 1930s who "became champions of parks, greenspace and roads" in Hamilton.

Burlington Bay is a natural harbour with a large sandbar called the Beachstrip. This sandbar was deposited during a period of higher lake levels during the last ice age, and extends southeast through the central lower city to the escarpment. Hamilton's deep sea port is accessed by ship canal through the beach strip into the harbour and is traversed by two bridges, the QEW's Burlington Bay James N. Allan Skyway and the lower Canal Lift Bridge.

Between 1788 and 1793, the townships at the Head-of-the-Lake were surveyed and named. The area was first known as The Head-of-the-Lake for its location at the western end of Lake Ontario. John Ryckman, born in Barton township (where present day downtown Hamilton is), described the area in 1803 as he remembered it: "The city in 1803 was all forest. The shores of the bay were difficult to reach or see because they were hidden by a thick, almost impenetrable mass of trees and undergrowth...Bears ate pigs, so settlers warred on bears. Wolves gobbled sheep and geese, so they hunted and trapped wolves. They also held organized raids on rattlesnakes on the mountainside. There was plenty of game. Many a time have I seen (sic) a deer jump the fence into my back yard, and there were millions of pigeons which we clubbed as they flew low."

George Hamilton, a settler and local politician, established a town site in the northern portion of Barton Township in 1815. He kept several east–west roads which were originally Indian trails, but the north–south streets were on a regular grid pattern. Streets were designated "East" or "West" if they crossed James Street or Highway 6. Streets were designated "North" or "South" if they crossed King Street or Highway 8. The overall design of the townsite, likely conceived in 1816, was commonplace. George Hamilton employed a grid street pattern used in most towns in Upper Canada and throughout the American frontier. The eighty original lots had frontages of fifty feet; each lot faced a broad street and backed onto a twelve foot lane. It took at least a decade for all of the original lots to be sold, but the construction of the Burlington Canal in 1823, and a new court-house in 1827, encouraged Hamilton to add more blocks around 1828–9. At this time, he included a market square in an effort to draw commercial activity onto his lands, but the natural growth of the town was to the north of Hamilton's plot.

The Hamilton Conservation Authority owns, leases or manages about 4,500 hectares (11,100 acres) of land with the City operating 1,077 hectares (2,661 acres) of parkland at 310 locations. Many of the parks are located along the Niagara Escarpment, which runs from Tobermory at the tip of the Bruce Peninsula in the north, to Queenston at the Niagara River in the south, and provides views of the cities and towns at the western end of Lake Ontario. The hiking path Bruce Trail runs the length of the escarpment. Hamilton is home to more than 100 waterfalls and cascades, most of which are on or near the Bruce Trail as it winds through the Niagara Escarpment.

Climate

Hamilton's climate is humid-continental, characterized by changeable weather patterns. However its climate is moderate compared with most of Canada. Hamilton's location on an embayment at the southwestern corner of Lake Ontario with an escarpment dividing upper and lower parts of the city results in noticeable disparities in weather over short distances. With a July average of exactly 22.0 °C (71.6 °F),^[31] the lower city is located in a pocket of the Dfa climate zone found at the southwestern end of Lake Ontario (between Hamilton and Toronto), while the upper reaches of the city fall into the Dfb climate zone.

The airport's open, rural location and higher altitude (240m vs. 85m ASL downtown) results in lower temperatures and higher snowfall amounts than the more sheltered and lower, built-up areas of the city. One exception is on early spring afternoons, when colder than air lake temperatures keep shoreline areas significantly cooler, under the presence of an east or north-east onshore flow.

 

[hide]Climate data for Hamilton RBG
Month	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
Record high °C (°F)	14.5 (58.1)	16.7 (62.1)	25.0 (77)	31.0 (87.8)	35.0 (95)	36.5 (97.7)	38.8 (101.8)	37.8 (100)	37.8 (100)	32.2 (90)	26.2 (79.2)	21.2 (70.2)	38.8 (101.8)
Average high °C (°F)	-1.1 (30)	-0.4 (31.3)	4.6 (40.3)	11.5 (52.7)	18.5 (65.3)	24.1 (75.4)	27.3 (81.1)	25.9 (78.6)	21.3 (70.3)	14.4 (57.9)	7.7 (45.9)	1.8 (35.2)	13.0 (55.4)
Average low °C (°F)	-8.8 (16.2)	-8.3 (17.1)	-3.6 (25.5)	3.2 (37.8)	8.0 (46.4)	13.4 (56.1)	16.6 (61.9)	15.9 (60.6)	11.6 (52.9)	5.6 (42.1)	0.6 (33.1)	-5.0 (23)	4.0 (39.2)
Record low °C (°F)	-28.3 (-18.9)	-26.2 (-15.2)	-21.7 (-7.1)	-12.2 (10)	-2.0 (28.4)	2.2 (36)	7.2 (45)	3.6 (38.5)	-0.7 (30.7)	-6.1 (21)	-14.4 (6.1)	-25.7 (-14.3)	-28.3 (-18.9)
Precipitation mm (inches)	59.5 (2.343)	55.0 (2.165)	75.7 (2.98)	73.5 (2.894)	81.8 (3.22)	71.6 (2.819)	74.9 (2.949)	84.6 (3.331)	84.9 (3.343)	72.5 (2.854)	81.5 (3.209)	77.1 (3.035)	892.6 (35.142)
Rainfall mm (inches)	27.9 (1.098)	26.6 (1.047)	53.4 (2.102)	68.6 (2.701)	81.8 (3.22)	71.6 (2.819)	74.9 (2.949)	84.6 (3.331)	84.9 (3.343)	72.4 (2.85)	73.8 (2.906)	48.0 (1.89)	768.5 (30.256)
Snowfall cm (inches)	35.0 (13.78)	29.1 (11.46)	20.0 (7.87)	4.7 (1.85)	0 (0)	0 (0)	0 (0)	0 (0)	0 (0)	0 (0)	7.2 (2.83)	30.1 (11.85)	126.1 (49.65)
Avg. precipitation days	15.1	12.4	12.5	12.8	11.8	10.6	10.7	10.7	11.7	11.7	13.6	14.5	148.1
Avg. rainy days	5.5	4.7	8.9	11.7	11.8	10.6	10.7	10.7	11.7	11.7	12.1	7.8	117.9
Avg. snowy days	11.1	9.0	5.1	1.5	0	0	0	0	0	0	2.5	8.9	38.1
Sunshine hours	90	111.4	146.3	186.7	243.1	271.6	299.7	259.8	176.6	144.2	86.5	71.7	2,087.5
Source: Environment Canada [31] 2009-08-03

 

Demographics

According to the 2006 Canadian Census, more than 20 percent of the local population was not born in Canada. This is the third highest such proportion in Canada after Toronto at 49%, and Vancouver at 39%. Between 2001 and 2006, the foreign-born population increased by 7.7% while the total population of the Hamilton census metropolitan area (CMA) grew by 4.3%. The share of Canada's recent immigrants who settle in Hamilton has remained unchanged since 2001 at 1.9%. Hamilton was home to 20,800 immigrants who arrived in Canada between 2001 and 2006, half of whom were born in Asia and the Middle East, while nearly one-quarter (23%) were from Europe. Hamilton also had a high proportion of people with Italian, English, Scottish, German and Irish ancestry. Nearly three in ten residents reported English as their sole ethnic origin or as one of their ancestral origins. As well, nearly one in five reported Scottish ancestry either alone or in combination with another ethnic origin.

The top countries of birth for the newcomers living in Hamilton in the 1990s were: former Yugoslavia, Poland, India, China, the Philippines, and Iraq. The city proper of Hamilton was home to 67,845 visible minorities in 2006, representing 13.6% of its population, up from 10.9% in 2001. Visible minorities comprised 22.8% of Ontario's population, primarily due to high proportions in Toronto. The population is 84.8% White, 3.0% South Asian/East Indian, 2.8% Black, 1.9% Chinese, 1.5% Aboriginal, 1.2% Southeast Asian, 1.1% Latin American, 1.1% Arab, 0.8% Filipino, and 1.8% Other.

Children aged 14 years and under accounted for 17.8% of the population while those 65 years of age and older constituted 14.9%, resulting in an average age of 39.6 years.

The most described religion in Hamilton is Christianity although other religions brought by immigrants are also growing. The 2001 census indicates that 77.56% of the population adheres to a Christian denomination, Protestants constituting 37.08% of the population, while Roman Catholics number 35.48% (significantly lower than the national average) with Christ the King Cathedral as the seat of the Diocese of Hamilton. The remaining 5.0% consists of Orthodox and independent Christian churches. The largest non-Christian religion is Islam with 12,880 adherents or 1.96% of the total population. Other religions, including Judaism, Buddhism, Jainism and Hinduism, constitute less than one percent each. Those with no religious affiliation accounted for 115,510 (17.63%) in 2001.

Environics Analytics, a geodemographic marketing firm that created 66 different "clusters" of people complete with profiles of how they live, what they think and what they consume, sees a future Hamilton with younger upscale Hamiltonians—who are tech savvy and university educated—choosing to live in the downtown and surrounding areas rather than just visiting intermittently. More two and three storey townhouses and apartments will be built on downtown lots; small condos will be built on vacant spaces in areas such as Dundas and Westdale to accommodate newly retired seniors; and more retail and commercial zones will be created. The city is also expected to grow by more than 28,000 people and 18,000 households by the year 2012.

The most important economic activity in Ontario is manufacturing, and the Toronto–Hamilton region is the most highly industrialized section of the country. The area from Oshawa, Ontario around the west end of Lake Ontario to Niagara Falls, with Hamilton at its centre, is known as the Golden Horseshoe and has a population of approximately 8.1 million people. The phrase was first used by Westinghouse President, Herbert H. Rogge, in a speech to the Hamilton Chamber of Commerce, on January 12, 1954. "Hamilton in 50 years will be the forward cleat in a golden horseshoe of industrial development from Oshawa to the Niagara River...150 miles long and 50 miles (80 km) wide...It will run from Niagara Falls on the south to about Oshawa on the north and take in numerous cities and towns already there, including Hamilton and Toronto."

With sixty percent of Canada's steel being produced in Hamilton by Stelco and Dofasco, the city has become known as the Steel Capital of Canada. After nearly declaring bankruptcy, Stelco returned to profitability in 2004 and on August 26, 2007 United States Steel Corporation acquired Stelco for C$38.50 in cash per share, owning more than 76 percent of Stelco's outstanding shares. Dofasco, in 1999, was the most profitable steel producer in North America and in 2000, the most profitable in Canada. It currently has approximately 7,300 employees at its Hamilton plant and produces over four million tons of steel annually, representing about 30% of Canada's flat rolled sheet steel shipments. Dofasco is one of North America's most profitable steel companies, and Dofasco was named to the Dow Jones Sustainability World Index in 2006 for the seventh year in a row. Dofasco produces steel products for the automotive, construction, energy, manufacturing, pipe and tube, appliance, packaging and steel distribution industries. Dofasco is currently a stand alone subsidiary of Arcelor Mittal, the world's largest steel producer. Previously ordered by the U.S. Department of Justice to divest itself of the Canadian company, Arcelor Mittal has now been allowed to retain Dofasco provided it sells several of its American assets instead.

Originally, in the 1940s, the John C. Munro Hamilton International Airport was used as a wartime air force training station. Today TradePort International Corporation manages and operates the John C. Munro Hamilton International Airport. Under TradePort management, passenger traffic at the Hamilton terminal has increased from 90,000 in 1996 to approximately 900,000 in 2002. The airport's mid-term target for growth in its passenger service is five million air travelers annually. The air cargo sector of the airport has 24-7 operational capability and strategic geographic location, allowing its capacity to increase by 50% since 1996; 91,000 metric tonnes (100,000 tons) of cargo passed through the airport in 2002. Courier companies with operations at the airport include United Parcel Service and Cargojet Canada. In 2003, the city began developing a 30-year growth management strategy which called, in part, for a massive aerotropolis industrial park centred around Hamilton Airport. The aerotropolis proposal, now known as the Airport Employment Growth District, is touted as a solution to the city's shortage of employment lands. Hamilton turned over operation of the airport to TradePort International Corp. in 1996. In 2007, YVR Airport Services (YVRAS), which runs the Vancouver International Airport, took over 100 per cent ownership of TradePort in a $13-million deal. The airport is also home to the Canadian Warplane Heritage Museum.

A report by Hemson Consulting identified an opportunity to develop 1,000 hectares (2,500 acres) of greenfields (the size of the Royal Botanical Gardens) that could generate an estimated 90,000 jobs by 2031. A proposed aerotropolis industrial park at Highway 6 and 403, has been debated at City Hall for years. Opponents feel the city needs to do more investigation about the cost to taxpayers before embarking on the project.

Government

Citizens of Hamilton are represented by three tiers of government. The federal representation consists of five members of parliament serving in the Parliament of Canada. At the provincial tier, there are five elected members who serve in the Legislature of Ontario. The municipal tier consists of one mayor, elected city wide, and 15 city councillors, elected individually by each of the 15 ward divisions, to serve on the Hamilton City Council. Additionally, at the municipal tier, each ward elects a school board trustee for each of the school boards serving in their respective area.

Municipal elections in Hamilton occur every four years, the last one falling on November 13, 2006. The next election will occur on November 8, 2010. However, the Province of Ontario is proposing a new election date of October 25, 2009. Legislation is currently being considered by MPPs.

The Hamilton City Council is granted authority to govern by the province through the Municipal Act of Ontario. The Province of Ontario has supervisory privilege over the municipality and the power to redefine, restrict or expand the powers of all municipalities in Ontario. Further, the province provides oversight of Hamilton City Council through the Ontario Municipal Board.

The Criminal Code of Canada is the chief piece of legislation defining criminal conduct and penalty. The Hamilton Police Service is chiefly responsible for the enforcement of federal and provincial law. Although the Hamilton Police Service has authority to enforce, bylaws passed by the Hamilton City Council are mainly enforced by Provincial Offences Officers employed by the City of Hamilton.

There is a strong military presence in Hamilton, with the John Weir Foote Armoury located on downtown John street, housing the Royal Hamilton Light Infantry as well as the 11th Field Hamilton-Wentworth Battery and the Argyll and Sutherland Highlanders of Canada. The Hamilton Reserve Barracks, located on Pier Nine, houses the naval reserve division HMCS Star, 23 Service Battalion and the 23 Field Ambulance.

Education

Hamilton is home to several post-secondary institutions that have created numerous direct and indirect jobs in education and research. McMaster University moved to the city in 1930 and today has over 22,000 enrolled students, of whom almost two-thirds come from outside the immediate Hamilton region. Brock University of St. Catharines, Ontario has a satellite campus used primarily for teacher education located in Hamilton. Colleges in Hamilton include:

• McMaster Divinity College, a Christian seminary affiliated with the Baptist Convention of Ontario and Quebec since 1957. McMaster Divinity College is located on the McMaster University campus, and is affiliated with the University. The Divinity College was created as part of the process of passing governance of the University as a whole from the BCOQ to a privately chartered, publicly funded arrangement.
• Mohawk College, a college of applied arts and technology since 1967 with 10,000 full time, 40,000 part time, and 3,000 apprentice students.
• Columbia International College is Canada's largest private boarding university-preparatory school, with over 1,300 students from over 60 countries.
• Redeemer University College, a private Christian liberal arts and science university opened in 1982, with about 800 students currently.

Public education for students from kindergarten through high school is administered by three school boards. The Hamilton-Wentworth District School Board manages approximately 120 public schools, while the Hamilton-Wentworth Catholic District School Board operates 60 schools in the greater Hamilton area. The Conseil scolaire de district du Centre-Sud-Ouest operates one elementary and one secondary school (École secondaire Georges-P.-Vanier), and the Conseil scolaire de district catholique Centre-Sud operates two elementary schools and one secondary school. Calvin Christian School and Timothy Christian are private Christian elementary schools. Hamilton District Christian High School (HDCH), Rehobeth Christian High School and Guido De Bres Christian High School are private Christian high schools in the area. Hillfield Strathallan College is located on the West Hamilton mountain and is a CAIS member, non-profit school for children from early Montessori ages through grade twelve.

The Dundas Valley School of Art is an independent art school which has serviced the Hamilton region since 1964. Students range in age from 4 years old to senior citizens and enrollment as of February 2007 was close to 4,000. In 1998, a new full time diploma programme was launched as a joint venture with McMaster University. The faculty and staff are highly regarded regional artists.

The Hamilton Conservatory for the Arts is home to many of the area's talented young actors, dancers, musicians, singers and visual artists. The school is equipped with a keyboard studio, spacious dance studios, art and sculpting studios, gallery space and a 300 seat recital hall. HCA offers over 90 programs for ages 3–93, creating a “united nations” of arts under one roof.

Culture

Hamilton has built on its historical and social background with attractions including the Canadian Warplane Heritage Museum, the HMCS Haida National Historic Site (Canada's most famous warship and the last remaining Tribal Class in the world), Dundurn Castle (the residence of a Prime Minister of Upper Canada), the Royal Botanical Gardens, the Canadian Football Hall of Fame, the African Lion Safari park, and the Cathedral of Christ the King.

Founded in 1914, the Art Gallery of Hamilton is Ontario's third largest public art gallery. The Gallery has over 9,000 works in its permanent collection that focus on three areas: 19th-century European, Historical Canadian and Contemporary Canadian.

The McMaster Museum of Art, founded on campus in 1967, houses McMaster University’s collection of more than 6,000 works of art, including exhibitions on the historical and contemporary work and the Herman Levy collection of Impressionist painting.

Growth in the arts and culture sector has garnered high level media attention for Hamilton. A Globe and Mail article in 2006, entitled "Go West, Young Artist," focused on the growing art scene in Hamilton. The Factory: Hamilton Media Arts Centre, opened up a new home on James Street North in 2006. Art galleries are springing up on many streets across the City: James Street, Locke Street and King Street, to name a few. This, coupled with growth in the downtown condo market which is drawing people back to the core, is having an impact on the cultural fabric of the city. The opening of the Downtown Arts Centre on Rebecca Street has spurred further creative activities in the core. The Community Centre for Media Arts (CCMA) continues to operate in downtown Hamilton. The CCMA works with marginalized populations and combines new media services such as website development, graphic design, video, and information technology, with arts education and skills development programming.

The 2009 film Defendor, starring Woody Harrelson as a vigilante superhero, is implied to take place in Hamilton, referred to by its nickname of "Hammer Town" several times througout the film. It was filmed in Hamilton and Toronto.