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"A stronger economic recovery and fairâ€" ly stable mortgage interest rates will lead to The January issue of CMHC‘s Mortgage Market Trends reports that mortgage credit is forecast to grow by around 11% this vear. The fourth quarter figure, which is the strongest since the middle of 1990, comâ€" pares to an average increase of 2.2% recorded during the first three quarters of An experienced Oakville Real Estate Sales Professional Residential mortgage credit grew 3.0% to $276.3 billion during the fourth quarter of 1992, according to a report released today by Canada Mortgage and Housing Corporation (CMHC). This brings the total increase for 1992 to 9.9%. 1992 Mortgage credit grows The averages listed here are RSI valâ€" ues per millimetre and R values per inch. When buying insulation, compare the RSI (R) values and costs of different materials to determine which is the best value. The thermal resistance values quoted in this article are averages, representative of specific types of insulation. Your insuâ€" lation or building supply dealer can proâ€" vide you with information on the RSI (R) values of specific brand names. These values are usually included on the prodâ€" uct‘s packaging. An insulation material‘s RSI or R value is a measurement of its thermal resistance, or ability to resist heat flow. The higher the thermal resistance value, the better the material insulates. (RSI is the metric unit of measurement, and R is the imperial unit.) JEANâ€"CLAUDE DUVAL Insulation comes in a wide variety of shapes, sizes, types and colors. It can be used differently in different areas of your home. A primer on home insulation se & We Know Home Match W« Sales Representatives attued o CALI ptG o $ @apihrtentt OPEN HOUSFS ROYAL LeEPAGE Topay To Revmw OUR THIS WEEKEND a Wt stuifnietinint ReqNCECcue fi T KS GEORGE & PAM NISBET .?"’”**m‘”"r'““.l..ax The moderate increase in mortgage credit will be the result of sluggish growth in both the new and the resale markets along with listless house price appreciaâ€" tions. According to Pellerin, "The new marâ€" ket in 1993 will reflect diverging trends for single and multiple unit starts. Single unit starts are expected to increase by 14% while starts of multiple units will drop by about 5% due to lower starts of rental units somewhat stronger housing markets," said Marc Pellerin, CMHC‘s Capital Market Economist. However, the rate of expansion will remain well below the growth of 17â€" 18% recorded during the 1987â€"1989 period. Batts and blankets are available in many lengths, widths and thicknesses. The typical thermal resistances of glass fibre and mineral wool products is RSI 0.022/mm (R 3.2/in.) and RSI 0.023/mm (R 3.3/in.), respectively. LOOSEâ€"FILL (BLOWN) INSULAâ€" TION Blownâ€"in looseâ€"fill insulation comes in three materials and is a good choice for insulating irregular or inaccessible can be used to insulate accessible attics, floors, uncovered frame walls above and below ground, hot water tanks, water pipes and heating ducts. Several manufacturers produce batt or blanket products made of glass fibre or mineral wool. One of the most common types of insulation, this versatile material There are five basic types of insulaâ€" tion: batt or blanket, looseâ€"fill (blown), looseâ€"fill (poured), rigid board and foamedâ€"inâ€"place. Sales Representatives Experienced Oakville Real Estate Sales Professionals Box # 6006 BATT OR BLANKET INSULAâ€" TION ,NP.?W alndoaie PHONE ALONE 845â€"5585 Blownâ€"in glass fibre insulation is simâ€" ilar to its batt and blanket cousins, but is chopped up to facilitate installation. It is the lightest blownâ€"in insulation and may Cellulose fibre is the only blownâ€"in insulation that can be installed by a doâ€"itâ€" yourselfer using rented equipment. Follow the manufacturer‘s recommendaâ€" tions for coverage (printed on the bag). A good choice for enclosed wall cavities containing many wires and nails, properâ€" ly installed cellulose fibre has higher resistance to air infiltration than most looseâ€"fill insulations. spaces in roofs, walls and floors. It is also suitable for use in accessible attics, but should not be used below ground level. Correct installation is essential to achieve maximum thermal resistance valâ€" ues. An experienced installer should be able to ensure that the material is (See "Many" Page RE 28) The short fibres of mineral wool blownâ€"in insulation also make this mateâ€" rial a good choice for installation in enclosed cavities containing many wires and nails. Mineral wool is noncomâ€" bustible but provides little resistance to air infiltration and may settle if not properly installed. be noncombustible (check with the manâ€" ufacturer). This material has little resisâ€" tance to air infiltration and may settle if not properly installed. COUNTRY CHARACTER! RIVERSIDE DRIVE AREA WALK OR BOAT TO DONT MISS THIS ONE! nome, totally ‘renovated. ar property with riparian t docking,. Available, Olde kitchen. Walk to shops & harbour. $259.900. (9p%..». j â€" & m 22 6 * L & ’/@mm o h se L Br jlow with huge with cathedral akfast area with ature property. 4. 900. 000 odrm. nome, extras, incl. hot n,. _ fireplace, TY untr n m