Imagine getting ahead of the next real estate boom by investing in the right place at the right time. 🏡 With mortgage rates expected to drop and sellers eager to make deals, now is that time! Today, I'm sharing insider insights on the top GTA areas poised for growth: Mississauga, Hamilton, Markham, and Burlington. Let's dive in! 🚀

Market Overview 📊

The Greater Toronto Area's real estate market is shifting in favor of buyers. 📈 Inventory is up, sellers are more flexible, and most importantly, there's anticipation that mortgage rates may drop soon. 💰

According to recent forecasts, some economists predict that the Bank of Canada might consider easing monetary policy to support the economy. 🏦 While exact figures and timelines are uncertain, the possibility of lower borrowing costs could make this an opportune time to invest. 🔑

Avery Shenfeld, CIBC's chief economist, suggested, "It really is time to declare victory in the battle against inflation and get the economy moving again. There's no reason not to speed up the process of getting interest rates down materially." 📉

What does this mean for you? Lower borrowing costs and better financing options, making this buyer's market even more advantageous! 🙌 Now, let's delve into the top areas where you should consider investing. 🗺️

Top Areas to Invest 🏙️

1. Mississauga 🌆

First up is Mississauga. This city is experiencing rapid growth and development. 🏗️ The upcoming Hurontario LRT project will enhance connectivity 🚋, and the continuous expansion around the Square One area makes it a vibrant place to live and invest. 🎉 Property prices here are more accessible than downtown Toronto, offering better value for your investment. 💰

With the potential drop in mortgage rates, financing a property in Mississauga becomes even more attractive. 😍 The strong rental market, due to its proximity to Toronto and a thriving job market, ensures good rental yields and long-term appreciation. 📈

2. Hamilton 🏞️

Next on the list is Hamilton. Historically known for its steel industry, Hamilton is transforming into a dynamic urban center. 🌃 More affordable compared to Toronto, it boasts a burgeoning arts scene 🎨, revitalized waterfront 🌊, and major infrastructure investments. 🚧

Investing here now means getting ahead of the curve. 🎯 Lower property prices, combined with the anticipated rate cuts, make financing more manageable. Plus, strong rental demand provides an excellent opportunity for consistent cash flow. 💵

3. Markham 💼

Markham is often dubbed the "High-Tech Capital of Canada" 🖥️, hosting numerous multinational tech companies. Its strong economy and high standard of living make it attractive for professionals and families alike. 👨‍👩‍👧‍👦

Real estate in Markham has shown consistent growth. 📊 With lower mortgage rates on the horizon, purchasing property here becomes even more enticing. Whether you're considering residential or commercial investments, Markham offers stability and potential for appreciation. 🌟

4. Burlington 🌳

Lastly, let's talk about Burlington. Situated along Lake Ontario's western shore 🌅, Burlington consistently ranks as one of Canada's best places to live. 🏅 It offers a high quality of life with its beautiful waterfront 🌊, extensive parklands 🌲, and vibrant downtown filled with shops and restaurants. 🍽️

Burlington has a strong economy with low unemployment rates and excellent schools 📚, making it highly desirable for families and professionals. The real estate market here has demonstrated steady appreciation over the years. 📈 With the anticipated drop in mortgage rates, investing in Burlington's residential market could be a smart move, providing both stability and growth potential. 🏡

Why Now is the Time to Invest ⏰

So, why should you consider investing now?

1. Buyer's Market Advantage 🛍️: Increased inventory and motivated sellers give you the upper hand in negotiations. 🤝

2. Potentially Dropping Mortgage Rates 📉: With forecasts indicating possible rate cuts by the Bank of Canada, your borrowing costs could decrease. Lower rates mean lower monthly payments and higher potential returns on your investment. 💰

3. Economic Growth Potential 🚀: Areas like Mississauga, Hamilton, Markham, and Burlington are not just growing—they're thriving! Investing now positions you to benefit from their upward trajectory. 📈

Investment Types to Consider 🧐

In these top areas, consider focusing on:

• Condos 🏢: Ideal for first-time investors or those looking for properties with lower maintenance. With the potential rate drops, condos become even more affordable.

• Multi-Unit Properties 🏘️: Great for generating steady rental income. Less competition in the market means better deals.

• Pre-Construction Projects 🏗️: Developers may offer incentives like price reductions, upgrades, or extended deposit structures. Lower future rates will make these deals even sweeter when it's time to close.

The GTA is full of investment opportunities, especially in a buyer's market with potentially dropping mortgage rates. Mississauga, Hamilton, Markham, and Burlington each offer unique advantages—be it growth potential, affordability, or strong rental markets. 🌟

Remember, real estate is a long-term game. 🕰️ By investing wisely now, you're setting yourself up for future success as these areas continue to flourish. 🌻

Have questions about investing in these areas or how to make the most of the upcoming mortgage rate changes? 🤔 Feel free to drop your questions in the comments below or reach out to me directly. I'm here to help you navigate your real estate journey. 🧭

If you found this blog helpful, please share it with others who might benefit! 💌 Let's make smart investment decisions together. 🙌

Disclaimer: This information is intended for general informational purposes only and does not constitute financial or investment advice. Please conduct your own research or consult with a financial advisor before making investment decisions. 📄

Happy investing! 🥳

🏘️ GTA Home Sales See a Decline in August 2024 📉

• Sales Drop:

  • 🏡 Total Sales: 4,975 homes
  • 🔻 Year-over-year decline: 5.3% from August 2023 (5,251 homes sold)

• New Listings:

  • 📋 Total: 12,547 listings
  • 🔼 Slight increase: 1.5% more compared to August 2023

• Average Home Prices:

  • 💲 Price: $1,074,425
  • 🔻 Down: 0.8% compared to last year

💡 Affordability Outlook

• Rate Cut Impact:

  • The Bank of Canada’s rate cut (September 4) is expected to boost affordability for first-time buyers, especially for those using variable rate mortgages.
  • Comment: "As mortgage rates continue to drop this year and next, first-time buyers, particularly in the condo market, should increase," said TRREB President Jennifer Pearce.

• Sales Trends:

  • 📈 Seasonal Adjustments: August sales edged up from July, while new listings slightly decreased compared to the previous month.

• MLS® Home Price Index:

  • 🔻 Down: 4.6% year-over-year in August 2024

🔮 Market Forecast

• Future Growth:
  • With borrowing costs expected to lower over the next 18 months, homebuyers will benefit from lower mortgage payments and reduced home prices.
  • 🏡 Ample choices in the market should keep price growth moderate, especially in the initial stages of recovery, said TRREB Chief Market Analyst Jason Mercer.

🏗️ Focus on Affordable Housing

• Boosting Home Construction:
  • TRREB CEO John DiMichele emphasized the need to focus on creating a mix of affordable homes to meet the region's demand.
  • 🏘️ Municipalities can support this by reducing development charges, which are often passed on to homebuyers.

If you're considering a move north of Toronto but want to keep it affordable, you're in the right place. Today, I'm sharing my top picks for the best affordable areas north of the city. Let’s dive in! 🚀

1. Barrie 🌊

Barrie is a growing city that offers a fantastic blend of urban and natural environments. Here’s what makes Barrie great:

• Beautiful waterfront views and activities 🚤
• Vibrant downtown area with plenty of shops and restaurants 🍽️
• Lower home prices compared to Toronto 💰
• Excellent options for families and professionals 👨‍👩‍👧‍👦

2. Newmarket 🏘️

Next up, we have Newmarket. Known for its charming Main Street, Newmarket offers:

• A family-friendly environment with excellent schools 🎒
• A strong sense of community and safety 👥
• Affordable housing options compared to Toronto 🏠
• A blend of suburban comfort with urban amenities 🌟

3. Aurora 🌳

Aurora is a picturesque town known for its beautiful parks and vibrant community events. Aurora offers:

• Peaceful, small-town feel with easy access to urban amenities 🏞️
• Beautiful parks and recreational facilities 🏞️
• Historic sites and cultural attractions 🏛️
• Vibrant community events and activities 🎉

4. Bradford 🏡

Last but not least, there’s Bradford. This rapidly growing town offers:

• Affordable housing and great schools 🏘️
• A welcoming and diverse community 🤝
• A quieter lifestyle while still being close to Toronto 🚗
• Excellent options for families and young professionals 👨‍👩‍👧‍👦

So there you have it, my top affordable areas north of Toronto. Whether you're looking for a vibrant urban lifestyle or a peaceful suburban retreat, these cities have something for everyone. 🏠✨

If you have any questions or need help finding your perfect home, feel free to reach out to us at Find GTA Listings Team. Don’t forget to like, share, and subscribe for more real estate tips and updates! 📢👍

Thanks for reading! 😊

Top Affordable Areas to Move West of Toronto in 2024 🌟🏡

If you're considering a move west of Toronto but want to keep it affordable, you're in the right place. Today, I'm sharing my top picks for the best affordable areas west of the city. Let’s dive in! 🚀

1. Hamilton 🏙️

Hamilton, known as the "Steel City," has been transforming over the years. It offers:

• A growing arts scene 🎨
• Great schools 📚
• A strong sense of community 🤝
• Significantly lower home prices compared to Toronto 💰

Hamilton is perfect for families and young professionals looking for a vibrant yet affordable place to call home.

2. Burlington 🌳

Next up, we have Burlington. This beautiful lakeside city offers:

• High quality of life 🌟
• Plenty of green spaces and parks 🌲
• Excellent schools 🎒
• A vibrant downtown area 🏢

While slightly more expensive than Hamilton, Burlington’s real estate market still offers great value compared to Toronto, making it a fantastic option for many.

3. Milton 🏞️

Known for its small-town charm and proximity to nature, Milton is rapidly growing. Here’s what makes Milton great:

• Perfect for outdoor enthusiasts 🚴‍♂️
• Quiet, family-friendly lifestyle 🏡
• Close proximity to the city for convenience 🚗

Milton offers a peaceful retreat without being too far from the hustle and bustle of Toronto.

4. Guelph 🏰

Last but not least, there’s Guelph. This city is known for:

• A strong economy 💼
• Historic architecture 🏛️
• Friendly community vibe 😊
• A balance between affordability and quality of life ⚖️

Guelph provides a great mix of cultural heritage and modern amenities, making it an ideal place to settle down.

So there you have it, my top affordable areas west of Toronto. Whether you're looking for a vibrant urban lifestyle or a peaceful suburban retreat, these cities have something for everyone. 🏠✨

If you have any questions or need help finding your perfect home, feel free to reach out to us at Find GTA Listings Team. Don’t forget to like, share, and subscribe for more real estate tips and updates! 📢👍

Thanks for reading! 😊

- 📉 **June 2024 Home Sales Decline in GTA**: Home sales in the Greater Toronto Area (GTA) saw a notable decline in June 2024, with a 16.4% drop compared to the same month last year, according to the Toronto Regional Real Estate Board (TRREB). A total of 6,213 homes were sold through TRREB’s MLS® System, down from 7,429 sales in June 2023. Despite the Bank of Canada cutting interest rates at the beginning of June, many potential buyers chose to postpone their purchase decisions. TRREB President Jennifer Pearce highlighted that the rate cut provided initial relief but suggested that more significant rate cuts might be needed to stimulate the market.

- 🏡 **Market Supply and Prices**: The market remained well-supplied, which, along with buyer hesitation, led to a slight decrease in the average selling price. The average selling price in June 2024 was $1,162,167, a 1.6% drop from $1,181,002 in June 2023. The MLS® Home Price Index (HPI) Composite benchmark also declined by 4.6% year-over-year. However, on a seasonally adjusted monthly basis, both the MLS® HPI Composite and the average selling price saw increases compared to May 2024, indicating some resilience in the market.

- 🕒 **Average Days on Market**: Homes in the GTA spent an average of 20 days on the market in June 2024, reflecting a balanced market where neither buyers nor sellers had a distinct advantage. 

- 🏠 **New Listings**: New listings in June 2024 were up by 12.3% year-over-year, with 17,964 new properties entering the MLS® System. TRREB Chief Market Analyst Jason Mercer noted that the well-supplied market has given recent home buyers substantial choice and negotiating power on price. He added that as sales pick up with potentially lower borrowing costs in the future, the elevated inventory levels will help prevent a rapid increase in selling prices.

- 📈 **Long-term Demand**: TRREB CEO John DiMichele emphasized that despite the temporary dip in home sales due to high interest rates, the long-term demand for ownership and rental housing remains strong, driven by robust population growth. He pointed out that Ontario has set an ambitious goal of adding 1.5 million homes by 2031. Achieving this goal will require coordinated efforts from all levels of government to ensure actionable solutions, such as reducing red tape, avoiding financial barriers to home construction, and minimizing housing taxes and development charges.

Here's your latest real estate market update for the Greater Toronto Area (GTA) in May 2024. 📅

Key Highlights

• Home sales remained at low levels, especially compared to last spring's market activity surge.
• Buyers are waiting for relief on mortgage rates, leading to more negotiating room on prices.
• New listings increased year-over-year, providing more options for buyers.

Market Activity 📊

• Home sales: 7,013
  • 21.7% decrease from May 2023 (8,960 sales).
• New listings: 18,612
  • 21.1% increase year-over-year.

Expert Insights 🗣️

TRREB President Jennifer Pearce shared:

• Home buyers are waiting for clear signs of declining mortgage rates.
• As borrowing costs decrease over the next 18 months, more buyers, including first-time buyers, are expected to enter the market.
• This will help open up much-needed space in a relatively tight rental market.

Price Trends 💲

• MLS® Home Price Index Composite Benchmark: Down by 3.5% year-over-year.
• Average selling price: $1,165,691
  • 2.5% decrease from May 2023 ($1,195,409).
  • Slight increase compared to April 2024 on a seasonally adjusted monthly basis.

Market Conditions 🔍

TRREB Chief Market Analyst Jason Mercer noted:

• High interest rates continued in May, but buyers benefited from slightly lower selling prices compared to last year.
• Selling prices have adjusted to mitigate the impact of higher mortgage rates.
• Affordability is expected to improve as borrowing costs trend lower.
• As demand picks up, renewed upward pressure on home prices is likely due to increased competition among buyers.

Future Outlook 🌟

TRREB CEO John DiMichele emphasized the need for:

• A coordinated effort from all levels of government to address the housing deficit and provide housing for the growing population.
• Timely completion of public transit projects, such as the Eglinton Crosstown LRT, to support the region's economic health and liveability.

The GTA real estate market is experiencing low sales levels with increased new listings, offering more choices for buyers. As mortgage rates are expected to decrease, the market is likely to see more activity and potential upward pressure on prices. Stay tuned for more updates and happy house hunting!

If you are interested to know more about moving to Toronto, reach out to us or click on the link below to see what homes cost in the GTA.

🏡 Highlights of April 2024 Home Sales in GTA:

• 📉 Sales Decline: Despite the vibrant real estate market of April 2023, home sales in the Greater Toronto Area (GTA) experienced a modest five percent decline this April.

• 🆕 Increased Listings: In a surprising turn, the number of new listings surged by an impressive 47.2 percent year-over-year, flooding the market with a plethora of options for prospective homebuyers.

• 💼 Market Stability: Interestingly, despite the dip in sales, the market remained surprisingly stable, showing little movement in the average selling price compared to the same period last year.

• 🌱 Spring Anticipation: As the blossoms of spring unfold, many homeowners are eagerly anticipating a surge in demand for housing, which could potentially influence the behavior of buyers in the coming months.

• 🏦 Interest Rate Impact: It's worth noting that some potential buyers may be adopting a wait-and-see approach, holding off on purchasing decisions until anticipated interest rate cuts by the Bank of Canada come into effect.

• 📊 Price Trends: While the MLS® Home Price Index (HPI) Composite benchmark experienced a slight decrease year-over-year, the average selling price saw a modest increase, reflecting the nuanced dynamics of the current market.

• 📈 Market Outlook: Looking ahead, there's cautious optimism among analysts, as lower borrowing costs are anticipated to tighten market conditions in the foreseeable future, potentially leading to renewed price growth, particularly as we transition into 2025.

• 🤝 Policy Alignment: TRREB CEO John DiMichele's emphasis on the importance of government policies aligning with the goal of improving affordability and choice for residents underscores the necessity for cohesive and strategic approaches in housing policy formulation and implementation.

If you are interested to know more about moving to Toronto, reach out to us or click on the link below to see what homes cost in the GTA.

🏠💰 TRREB: Selling Prices Up In March and Set to Accelerate This Spring 🌷📈

In the bustling real estate landscape of Toronto, Ontario, exciting developments are underway! Let's delve into the latest insights from TRREB's recent report:

📅 Market Overview: Despite lower home sales in March 2024 compared to the previous year, attributed in part to the timing of the Good Friday holiday, there's a notable uptick in the average March home price. This comes amidst a better-supplied market, indicating healthy competition among buyers.

🏙️ GTA Sales Report: GTA REALTORS® reported 6,560 sales in March 2024, down by 4.5% from March 2023. However, new listings saw a significant surge of 15% over the same period. Sales dipped slightly on a seasonally adjusted monthly basis, while new listings also decreased compared to February.

📈 First Quarter Insights: The first quarter closed with sales up by 11.2% year-over-year, with new listings showing an even higher annual growth rate of 18.3%. This suggests growing confidence in the market among both buyers and sellers.

💬 Expert Opinion: TRREB President Jennifer Pearce notes a gradual improvement in market conditions, with buyers adapting to higher interest rates and homeowners anticipating better conditions in the spring. Lower borrowing costs are expected to further stimulate sales and drive selling prices higher.

📊 Price Trends: The MLS® Home Price Index (HPI) Composite benchmark saw a modest increase of 0.3% year-over-year, with the average selling price rising by 1.3% to $1,121,615. On a seasonally-adjusted month-over-month basis, the MLS® HPI Composite edged up by 0.2%. Price growth is anticipated to accelerate, especially during the spring and the latter half of the year.

🏡 Addressing Housing Supply: TRREB Chief Market Analyst Jason Mercer emphasizes the importance of addressing housing supply to improve affordability. He anticipates an increase in demand for ownership housing, especially with lower borrowing costs on the horizon.

🏢🏘️ Government Initiatives: TRREB CEO John DiMichele highlights the need for innovative solutions to increase housing supply, advocating for non-traditional arrangements like co-ownership models and encouraging gentle density in high-demand areas.

As Toronto's real estate market gears up for a dynamic spring season, these insights provide valuable guidance for buyers, sellers, and policymakers alike. Stay tuned for further updates as the market continues to evolve!

If you are interested to know more about moving to Toronto, reach out to us or click on the link below to see what homes cost in the GTA.

Navigating Ontario's Real Estate Market: Understanding Your Buyer Representation Agreement

Buying a home in Ontario is an exciting venture, but it's also a significant investment that requires careful navigation through the complexities of the real estate market. One crucial aspect of this journey is the Buyer Representation Agreement (BRA), a document that outlines the duties and responsibilities of your real estate agent. Here's what Ontario buyers need to know about their BRA and the key duties it entails.

1. Daily Property Search:

In Ontario, your designated agent will diligently search the Multiple Listing Service (MLS) system every day to identify properties that meet your specific criteria. Whether you're looking for a cozy condo in downtown Toronto or a charming suburban home in Ottawa, your agent will ensure you're promptly notified of new listings that align with your preferences.

2. Viewing Arrangements:

Attending property viewings is a crucial part of the home-buying process. Your agent will not only schedule appointments for viewings but will also accompany you to each showing, providing valuable insights and guidance along the way.

3. Market Analysis:

Understanding market trends is essential for making informed decisions. Your agent will regularly review and monitor market conditions in Ontario, keeping you updated on relevant trends and developments that may impact your buying strategy.

4. Offer Presentation and Negotiation:

Drafting and negotiating offers can be complex tasks. Your agent will prepare offers on your behalf, taking into account your preferences and suggesting clauses to protect your interests. With their negotiation skills and knowledge of Ontario's real estate market, they'll work tirelessly to secure the best possible deal for you.

5. Professional Referrals:

Should you require additional services such as legal assistance, home inspection, or mortgage advice, your agent will provide referrals to trusted professionals in Ontario's real estate industry. These professionals can help ensure a smooth and successful home-buying experience.

6. Post-Sale Support:

The support doesn't end once your offer is accepted. Your agent will assist with post-sale activities, such as property revisits, home inspections, and property appraisals, to ensure a seamless closing process in compliance with Ontario's real estate regulations.

7. Paperwork Processing:

Navigating the paperwork involved in real estate transactions can be overwhelming. Your agent will handle the processing of all necessary documents, ensuring everything is in order and forwarded to relevant parties in accordance with Ontario's legal requirements.

8. Commission Rebates/Buyer Incentives:

If applicable, your agent may offer commission rebates or other incentives as outlined in the agreement. Any such arrangements will be clearly specified, including details such as dollar amounts and whether they include Harmonized Sales Tax (HST).

By acknowledging the Buyer Representation Agreement, both you and your agent enter into a collaborative partnership aimed at achieving your real estate goals in Ontario. It's essential to review the agreement carefully, making any necessary amendments to ensure it aligns with your expectations and complies with Ontario's real estate laws and regulations.

In summary, your Buyer Representation Agreement serves as a roadmap for your home-buying journey in Ontario, outlining the duties and responsibilities of your agent and fostering a transparent and productive working relationship. With a knowledgeable and dedicated agent by your side, you can navigate Ontario's real estate market with confidence and peace of mind.

If you are interested to know more about moving to Toronto, reach out to us or click on the link below to see what homes cost in the GTA.

Your Ultimate Guide to Moving to Mississauga: Major Streets and Neighbourhoods

Introduction: Are you considering a move to Mississauga? With its diverse neighbourhoods, vibrant community, and convenient amenities, Mississauga offers an excellent quality of life for residents. One of the essential aspects of settling into a new city is understanding its major streets and neighbourhoods. In this guide, we'll explore the key streets that define Mississauga's landscape and provide insights to help you choose the perfect neighbourhood for your new home.

1. Hurontario Street: Hurontario Street serves as the backbone of Mississauga, running from north to south and connecting various neighbourhoods, shopping centres, and business districts. Explore the bustling heart of the city along this vibrant thoroughfare, dotted with restaurants, shops, and entertainment venues.

2. Derry Road: As one of the major east-west arteries in Mississauga, Derry Road offers access to both residential and industrial areas. Discover the diverse communities and amenities along this vital roadway, from quiet suburban neighbourhoods to bustling commercial hubs.

3. Eglinton Avenue: Traversing the central part of Mississauga, Eglinton Avenue is a bustling corridor lined with a mix of residential developments, retail outlets, and cultural attractions. Experience the pulse of the city as you explore the diverse offerings along this dynamic street.

4. Burnhamthorpe Road: From cozy residential neighbourhoods to bustling shopping centres, Burnhamthorpe Road offers a diverse array of amenities and attractions. Discover the unique charm of each community along this vibrant east-west thoroughfare.

5. Mavis Road: Connecting Mississauga to neighbouring cities like Brampton, Mavis Road is a vital north-south artery lined with residential developments, schools, and recreational facilities. Explore the convenience and accessibility of this key roadway as you consider your move to Mississauga.

6. Erin Mills Parkway: Experience the best of Mississauga's suburban lifestyle along Erin Mills Parkway, a major north-south corridor dotted with parks, schools, and shopping centres. Discover the unique character of each neighbourhood along this bustling thoroughfare.

7. Winston Churchill Boulevard: Traverse the western part of Mississauga along Winston Churchill Boulevard, where you'll find a mix of residential communities, green spaces, and amenities. Explore the tranquil charm of this scenic roadway as you plan your move to the city.

8. Matheson Boulevard: For those seeking employment opportunities and corporate offices, Matheson Boulevard is a vital east-west corridor in Mississauga's thriving business district. Discover the dynamic energy of this commercial hub as you explore potential neighbourhoods in the area.

9. Dixie Road: Dixie Road is another major north-south artery in Mississauga, offering access to various residential neighbourhoods, industrial areas, and commercial establishments. Explore the diverse communities along Dixie Road and discover the amenities that make each neighbourhood unique.

10. Dundas Street: Dundas Street is a significant east-west thoroughfare in Mississauga, offering access to residential neighbourhoods, shopping centres, and recreational facilities. Explore the vibrant communities and amenities along Dundas Street as you consider your move to the city.

11. Lakeshore Road: Lakeshore Road runs along the waterfront, offering stunning views of Lake Ontario and access to scenic parks and recreational areas. Discover the beauty and tranquility of Mississauga's waterfront communities along Lakeshore Road.

Conclusion: As you embark on your journey to move to Mississauga, understanding the city's major streets and neighbourhoods is essential for finding the perfect place to call home. Whether you're drawn to the bustling urban core, the tranquil suburbs, or the scenic waterfront, Mississauga offers a diverse range of options to suit every lifestyle. Explore the vibrant communities and amenities along these key thoroughfares, and get ready to make the move to one of Canada's most dynamic cities.

Interested in a list of all the homes and condos for sale in Mississauga and the surrounding GTA?

Click below: