Wednesday 17 October 2012

HAGERSVILLE STRIP MALL SPACE, 1,000 sqft 25 minutes to Hamilton!

http://www.youtube.com/watch?v=PAnw0OSXAE8 Youtube

HAGERSVILLE STRIP MALL SPACE-High traffic location on north-east corner of downtown area. 1,000sqft approx. space currently setup as a large office with parking lot store frontage. Space features for HVAC air roof top natural gas fu rnace and CA and 100amp power 1 bath and rear exit. General Commercial zoning allows for many retail uses as well as office. Plaza currently houses video store, computer shop, office supply store, pizza restaurant, insurance, Sears pick-up outlet and drug store. Get your ideal enterprising endeavour into an ideal location in a growing town with lots of future growth projected. Close to new housing developments. Ample distance of all town amenities. Lease $1400 .00 + HST + utilities + snow removal portion + property tax portion. Recently re-paved parking area. Only 30 minutes to Hamilton.

BEST BUNGALOW BANG FOR YOUR BUCK! $239,900 only 25 minutes to Hamilton!

http://www.youtube.com/watch?v=h4gKo17xt8Y Youtube

http://www.propertypanorama.com/202678 V-Tour

BEST BUNGALOW BANG FOR YOUR BUCK!-Great starter or right size option is this neatly nestled solid all around brick home on mature treed lined street. Long paved drive beside tree shaded front yard by an impressive Maple is a step up porch. Foyer opens to grand Living Room with super size picture window on gleaming laminate flooring. Elegant stone ceramic leads to Oak eat in Kitchen with generous prep areas and cozy table corner spot. 3rd bedroom directly off the kitchen can be used as a separate Dining Room that leads to patio doors to high canopy covered deck over looking a private fenced yard with ample play room and green thumb vegetable garden. Generous bedrooms, updated main level bath and second hallway to Living Room finish the first floor. Separate side entrance to the home could afford a private inlaw situation to mostly finished basement with generous storage/utility area, large modern Rec Room with laminate flooring, Bedroom and private full bathroom. Very well maintained and updated home with all replaced windows and exterior doors. Value packed home in a safe and easy going community. Only 25 minutes to Hamilton.

EVERYTHING ONE COULD WANT IN A RURAL HOME! $289,900 with 24x40 shop

http://www.youtube.com/watch?v=tT_TjPQ3-6M Youtube

http://www.propertypanorama.com/202740 V-Tour

EVERYTHING ONE COULD WANT IN A RURAL HOME!-Grand size solid brick bungalow in quiet country village on slow side street only minutes to a rural elementary school. immense 6 car paved driveway leads into open foyer to Rec Room sized Living Room with wood burning Fireplace, exit to entertaining sunroom and inside entry from true double door garage with side man exit and furnace. Living Room steps up to massive kitchen with amazing counter space & hardwood floors with picturesque front yard views. Separate over sized sun soaked Dining Room affords lots of family functions elbow room. Generous bedrooms with large windows & back of home country views. Basement features large laundry room, utility + storage, workshop and central Rec Room. Lots of back yard grass area to allow kids to roam. For the hobbiest or auto repair enthusiast is a 2 story wood framed steel 24 x 40 workshop featuring high ceiling, poured floors, 100amp hydro system and already plumbed underground propane line. Take advantage of this dream country catch. Only 35 minutes to Hamilton.

LOVELY LEVELED HOME IN HAPPENING HAGERSVILLE $284,900 4 BED, 2+BATH

http://www.youtube.com/watch?v=uSxzDsSErMk  Youtube

http://www.propertypanorama.com/201874 V-Tour

LOVELY LEVELED HOME IN HAPPENING HAGERSVILLE!-Great value in this family oriented sub division is our 2005 built home. Generous sized lot amongest other similar homes. Beautifully surfaced double drive into garage with inside access. Covered front porch opens into a vaulted ceiling Living Room running through to the Dining Room with gleaming floors, elegant lighting & large sun soaking windows all around. Super size Oak eat in kitchen with earthy ceramics & side yard entry door. Second level has modern painted bedrooms, convenient bedroom level laundry closet and great Master Bedroom with private ensuite. Great feature in this leveled home is the Rec Room just a couple steps off of the kitchen. This level also features large windows, because we are still above grade, for our 4th bedroom with ensuite privilege door to roughed in full bath. Bottom level has our utility area & a 350sqft area for the perfect play area, exercise room or 3rd living room. Lots to offer in this backsplit in a growing Real Estate market only 30 minutes away from Hamilton and close to the lake and Port Dover.

FRIENDLY FISHERVILLE FIND FOR FAMILIES $222,900

http://www.youtube.com/watch?v=TwZyfeTMqIo  Youtude

http://www.propertypanorama.com/199108 V-Tour

FRIENDLY FISHERVILLE FIND FOR FAMILIES!-Excellent location in a family oriented village with public school, park areas for sports and minutes to the lake. Basketball rim ready driveway leads to 12ft high ceiling garage with inside access to mud room before entering classic raised ranch plan. Bright sun soaking living room with area rug over gleaming original hardwood flooring that adorns the separate dining room, hallway and all bedrooms. Front foyer off covered 27x5 porch over looking large front yard. Cozy eat-in kitchen off dining room. Super double sink bathroom with updated tub and shower. Notice the textured ceilings thru out. Private views from Master Bedroom window to tree framed rear yard. Excellent basement use, large L shaped Rec Room with corner bar, built in cabinets/shelving and cozy end of room wood burning fireplace. Also, extra 4th bedroom, large laundry/utility combo room, open storage room or play area and mega sized cold room. Windows replaced in 2010-NorthStar Windows with lifetime warranty, 200amp hydro, natural gas furnace and only 40 minutes to Hamilton. Come to where the kids are safe and life is stressless.

Thursday 13 September 2012

“His and hers” homebuyer tips for couples

“His and hers” homebuyer tips for couples

For most couples, buying a home is the most significant purchase they will ever make together.  While the prospect of owning a home is an exciting one, it can often seem overwhelming, especially for those who are new to the real estate process.   From selecting a neighbourhood to deciding how to use a spare room, navigating the world of homeownership together requires some extra work. However, couples will be thankful they put in the additional time and effort when the “sold” sign is posted on the home of both of their dreams.

For those couples looking to purchase a home, I offer seven simple tips for ‘His and Hers’ homebuying that will help to ensure a “harmonious house hunt” without rocking the relationship:

Get pre-approved for a mortgage. There are few things worse than finding the perfect home, only to find out that it costs more than you can afford. Before beginning the house hunt, Coldwell Banker recommends getting pre-approved for a loan. A pre-approval lets you know where you fall financially while informing the mortgage company that you’re ready to buy. Additionally, being pre-approved for a loan can help speed up the closing process once an offer has been accepted. 

Set a budget. Beyond basic income and savings, there are a number of other financial elements to consider before setting a price range for the new home. Once a couple has decided on a location, they should consider its proximity to their family, jobs and children’s school and then gauge travel costs. The next step is to add up monthly bills, including the couple’s car payments, phone bills, insurance costs, groceries, and credit card payments. This total estimated cost of living should be factored into the couple’s overall budget.

Get on the same page. Whether it is a quiet neighbourhood or a two-car garage, everyone has their own “must haves” when it comes to the home of their dreams. For a couple looking for a home to share, it is important to discuss each of their essentials before beginning the search. Keep in mind that agreeing on all of the features of a future home will likely be impossible, so be prepared to compromise. Once the list of “must haves” is finalized, your Coldwell Banker real estate professional can help you determine if your expectations are realistic given the homes currently on the market.

Allocate additional funds. The down payment on a new home is just one of the significant financial aspects of a move.  Even after both people’s belongings are combined there will likely still be a need to purchase furniture and other items like a washer and dryer which will require additional budget. The last thing a couple will want to do is start out their life together with nothing in the bank!

Be patient. A recent Coldwell Banker survey found that women are likely to make up their minds faster than men. Almost 70 percent of women surveyed decided the day they walked into the house that it was right for them, while 32 percent of men needed two or more visits. It will likely take multiple trips to the home before both members of the couple decide it is “the one.” If a spouse needs more time, be patient and try not to pressure them.
 
Take inventory of everyone’s belongings. Before a couple moves into a new home together, each person should make a list of the furniture they plan to keep and compare it with their partner’s. There may not be a need (or a place) for three televisions and two kitchen tables in the new house. Consider selling unwanted pieces of furniture online, or holding a garage sale.  The money made is sure to be put to good use on purchases for the new home.
Sign a contract. For a couple who has yet to walk down the aisle, it is important to contact a real estate attorney before closing on a home. A contract should be drawn up outlining who is responsible for what expenses and how assets will be divided in the event of a split.
 
Want more tips on the home-buying process?  Contact me your local professional.  You’ll be glad you called me first!

Thursday 16 August 2012

Hagersville, Northview Estates, New Adult Living, 1,249sqft, 2bed/2bath $227,950

http://www.realestatechannel.ca/25667

Stunning Freehold no fees 1,249sqft Bungalow Semi%u2019s and Townhomes. 2 bed and 2 full bath designed for mature and professional adults. Designed open concept with customizable kitchen, generous lighting allowance personally select your lighting fixtures, 9' ceilings, main floor laundry/mud room off inside garage entry, patio doors off living room to 10x12 deck and wide foyer hallway. Units starting @ $212,950. Only 25 minutes to Hamilton, in town hospital and walking distance to amenities. Floor plan and construction details brochure available @ http://bit.ly/JwUw3C

Wednesday 15 August 2012

New round of tightening Canadian mortgage regulations kicks in July 9th

New round of tightening Canadian mortgage regulations kicks in July 9th.

On June 21st, Canada’s federal government announced a further tightening of Canadian mortgage regulations effective July 9th.   In the announcement, Finance Minister Jim Flaherty stated that the new regulations were introduced to keep the housing market strong, and help to ensure households do not become overextended.”  Changes include the maximum amortization period being reduced to 25 years from the previous 30 years. Also, the maximum amount of equity homeowners can take out of their homes in a refinancing is being reduced to 80% from 85%. These new mortgage regulations echo earlier reductions of amortization period and lowered refinancing maximums that came into effect last year.   

Click here for full details on Canada’s new mortgage regulations.

Although the changes have been endorsed in the media by Canada's big banks, including TD and Bank of Montreal, the Canadian Real Estate Association (CREA) urges the government to carefully consider the impact of further interventions in the market.  It is well known that housing is a key driver of the economy.  In fact, according to CREA, re-sale housing will add an estimated $20 billion in spin-off spending and over 165,000 jobs to the Canadian economy in 2012.  CREA also cautions the government to closely monitor the impact of these measures to ensure they have the desired effect without slowing the economy.

Meanwhile, the Canadian real estate market remains balanced, and Canada continues to enjoy near-historic low interest rates.  The dream of homeownership remains in reach for a large number of Canadians.  While the reduction in maximum amortization period may affect some buyers, there are many who will not be impacted by the changes.  Others who may have planned to amortize their mortgage over a 30-year period have several options, including saving for a larger down payment, choosing a slightly lower-priced home in their target area, or consider trading location for commute.  There are a variety of options, and buyers should ask me to find the solution that’s right for them.

Tuesday 7 August 2012

Canada’s Seniors Market is Growing

Canada’s Seniors Market is Growing

In a recently released report, StatsCan announced that Canadians are now living longer than ever before.  This longer life expectancy means that Canada’s Seniors Market is growing ‘on both ends’.  More Canadians are entering retirement age, as the ‘baby boomer’ generation is aging, and retirees are living longer once they get there. 

According to the Statistics Canada report, life expectancy at birth in Canada reached 80.7 years for the three-year period between 2005 and 2007, up from the average of 78.4 a decade earlier between 1995 and 1997.

Gains during the past decade were stronger among men. Their life expectancy at birth rose by 2.9 years to 78.3 in 2005-2007, while among women it increased by 1.8 years to 83.0. The gap between the sexes has been closing for several years.

Life expectancy among seniors at the age of 65 has also been on an upward trend for several years.  On average, a 65-year-old man could expect to live an additional 18.1 years in 2005-2007, an increase of 2.0 years from the previous decade. A 65-year-old woman could expect to live an additional 21.3 years, up by 1.3 years.

As the population ages, their real estate needs will also change.  What’s more, these seniors will tend to have the financial resources to readily make changes to suit those changing needs. Seniors will play an increasingly important role in Canada’s real estate market in the years ahead.

If you’re thinking of selling your home, you’d be wise not to overlook this growing segment of the Canadian population.  I can give you tips on how to target this increasingly important niche market.  And if you’re one of the those Seniors who is planning to downsize, upgrade, or buy a retirement property, I can advise you on some of the features that will best suit you in your ‘golden years’.  If you’d like to know more about the Senior’s real estate market, contact me.  You’ll be glad you called me first.

Wednesday 1 August 2012

30 Minutes to Hamilton, easy one floor plan on quiet tree lined street. $184,900

Easy everything on one floor plan with bonus finished attic on quiet tree lined street with super sunroom and large garage. Very updated and only 30 minutes to Hamilton. http://www.realestatechannel.ca/25306

Sunday 29 July 2012

Preparing for a far-away move

Preparing for a far-away move

Moving can be a complicated process, especially when the new home is far away, whether its to another part of the province, or right across Canada.  Buyers must research the town, school systems, job market, and neighbourhood all before settling on a new location.  I recommend taking the following steps to ensure that when it comes time to move to a distant location, the process goes as smoothly as possible.

First, Get Organized. When moving many miles away it makes sense to compile a list of the key information required before deciding where to live.  Other Important questions include:

·         What is the cost of living? How does it compare against where we’re living now?

·         What is the price of a similar sized house in the new location?

·         What is the community like? Are the neighbourhoods safe?  

·         Where are the schools located?

·         What is the noise factor?

·         Will this be a good area for my spouse to find work?

·         What is the public transportation system like?

            ·         How long will the commute be?

Due Diligence. To learn about the typical lifestyle of the town, as well as community events and safety, get a few back copies of the local newspaper, or log on to their Web site.  This third party information, and more facts from the local Chamber of Commerce, will give a sense of the area.

Use the Internet. When it comes to the home itself, the Web is an invaluable tool. Web sites such as www.coldwellbanker.ca can provide visitors with a wealth of useful information. Features like the Coldwell Banker Home Price Comparison Index can help you approximate how much a comparable house will be worth in the new market.  This information also provides some insight into the local cost of living.  Visitors can find a variety of community information including median age and income, percentages of married couples and children, recent home sales, and more.    

Find a local real estate professional.  Begin to work with a real estate sales representative early on when visiting the new city. If you don’t have a real estate representative in your target area, I can help put you in touch with an experienced professional who will be a good ‘fit’ for you and your needs. 

Feet on the Street.  Look to see how much new construction and renovation work is taking place. This will indicate whether the neighbourhood is growing and developing, and whether current residents plan to stay. Let your sales representative take you through the neighbourhood “after hours” to see what it looks like when all have returned from work and school.  

Chat time.  If possible, try to have a few conversations with local residents who live nearby.  They have their fingers on the pulse of the neighbourhood and the community at large.

Want to know more about choosing the right community? Please feel free to contact me tomflatt@coldwellbanker.ca or 905-768-7717.  

Monday 23 July 2012

Five Questions Sellers Should Ask When Choosing a Real Estate Representative

Five Questions Sellers Should Ask When Choosing a Real Estate Representative 

Selecting a real estate representative to assist in the largest financial transaction a person will likely ever make is a critical part of the home selling process. In a challenging economic environment where competition among real estate companies is on the rise, choosing the agent that’s right for you can be a confusing task.

I suggest home sellers start by interviewing several real estate agents to find someone with whom they “connect.”  However, chemistry is not the only variable to consider. The length of time an agent has been in the business, his or her home sale success rate and knowledge of the local market can also play a significant role in the decision-making process.

To jump-start the conversation, I suggest five essential questions home sellers should ask before selecting a real estate representative.  

1.     How long have you been in the real estate business and what has your success rate been in terms of home sales over the past 12 months? The length of time a real estate representative has been in the business and their home sale success rate demonstrates their knowledge and expertise in the industry. Ideally, a home seller will want to work with an agent who has a high percentage of completed transactions within your home’s price range.

2.     What was the average amount of time it took to sell those listings? Comparing marketing times between the agents you are interviewing will provide you with an indication of how well that agent markets homes.

3.     What was your list-price to sale-price ratio? Significant differences between original listing prices and ultimate sale prices can be an indication that the list prices quoted at the outset were unrealistic.

4.      What is your online marketing plan to sell my property? In Canada, the vast majority of home buyers begin their home search on the Internet. Therefore, the real estate representative you select should have a strong online marketing presence as well as be visible through social media outlets in order to reach the widest possible audience. Websites such as Coldwell Banker On Location, a branded YouTube™ channel, the Real Estate Channel, V-Tour websites, allow real estate agents to showcase their listings and local knowledge by tapping into the power of video and offering consumers a new way to search for homes online.

5.     Do you have references you can share from past clients? References allow you to gain additional insight into the day-to-day workings with the real estate agent. Gathering reputable references will help ensure that you select the best real estate representative for your needs.

Want to know more about where to find a great real estate representative anywhere across Canada?  Visit www.coldwellbanker.ca or ask me, to view details for thousands of real estate professionals. 

Tuesday 10 July 2012

Five Tips for Single Home Buyers

Five Tips for Single Home Buyers

Canada’s housing environment has more single home buyers entering the market than ever before.  With inventory levels improving in many markets, and interest rates near record lows many people across the country who may have never considered buying a home in the past are recognizing that a mortgage payment on a house can actually be the same or less than what they would spend on renting.

 For most Canadians, buying a home is the most significant financial investment they will ever make, and perhaps even more so for singles who are making the transition on their own. With that in mind, Coldwell Banker has come up with five tips to help single home buyers navigate the home buying process:

Keep an eye on the future. A family of one is much more likely to upsize rather than downsize. Some day someone who is single may add a significant other to their family and possibly even children. Though additional space may not be needed immediately, it’s important to consider potential future plans for a home.  Keep in mind that there is no such thing as the "perfect" house. Instead, determine what is essential – number of bedrooms, approximate square footage, neighbourhood, etc.  And when you do move up, your first home can provide you with equity to purchase your next home or it can be kept as an investment.

Get pre-approved for a mortgage. A pre-approval will let single home buyers know where they stand financially while informing the mortgage company that they are ready to buy. Additionally, this step will demonstrate to everyone involved in the purchase that the home buyer is serious and well qualified.

Location, location, location. The golden rule of real estate applies to single home buyers as well.  Factors such as proximity to work, family and nightlife often play a role in the decision of where to purchase a home. Speaking with a Coldwell Banker sales representative can help narrow the search to find the location that best suits a home buyer’s needs and lifestyle.

Plan ahead for maintenance fees. Owning a home is a rewarding experience. However, being the only person with a set of house keys also means being the only person responsible for maintenance. A leaky faucet and unkempt lawn won’t take care of themselves, so be sure to include future repairs and maintenance in the budget. Also keep in mind that certain properties such as condominiums and townhomes require less exterior maintenance and might be a good option for those single home buyers who find the idea of maintaining a yard a bit daunting.
Consider resale value and longevity. Purchasing a home has historically been a great long-term investment. However, there are many reasons single home buyers may need to move, such as relocating for a job or a lifestyle change. Therefore, it is important to think about the length of time that the home will be owned and also consider the resale value of prospective properties during the search. Your local Coldwell Banker real estate representative can share the average home price of properties in the area, how long each property has been on the market and what features increase a home’s value and appeal.

Sunday 1 July 2012

CAYUGA COUNTRY HOME BUNGALOW-$234,900

CAYUGA COUNTRY SIDE RD has this custom built all brick bungalow with no lots of space between neighbours and gorgeous country views from every angle. Open concept design, spacious oak eat-in kitchen, separate dining room. Cozy main floor living room. Convenient mud room including main floor laundry & powder room with doors from garage and rear yard. Den has patio doors to deck overlooking yard. Deep double garage perfect for the handyman/hobbyist. Minutes to Cayuga on a quiet secondary road and only 30 minutes to Hamilton. http://www.realestatechannel.ca/24372

Tuesday 19 June 2012

HAGERSVILLE 'END UNIT' TOWNHOME-Builder will hold mortgage @ 5% with only $2,000 down!!! 30 mins to Hamilton- http://www.realestatechannel.ca/24005

HAGERSVILLE 'END UNIT' TOWNHOME-Builder will hold mortgage @ 5% with only $2,000 down!!! 30 mins to Hamilton-
http://www.realestatechannel.ca/24034

Moving with Pets is a Family Affair

Moving with Pets is a Family Affair

While moving to a new home is very exciting, relocating can be a stressful process for every member of the family – including pets.  More often than not, a move means that all familiarity is gone.  From where to hide a bone to where to nap in the sun, the pet’s sense of security and comfort has suddenly been altered.

Below are five suggestions from Coldwell Banker and Petfinder.com for how to make moving a little less ‘ruff’ for four-legged members of the family.



Plan ahead. From start to finish, moving to a new home involves a lot of planning.  You should decide as soon as possible where their pet’s belongings – toys, water dishes, beds, etc., — will go in the new home.  If the pet’s only car ride has been to the veterinarian, you can help your pet become accustomed to traveling by bringing them along on visits to the future home, as well as to other places with a more positive association, like a dog park or pet store.



Take them on a walk-through to get them acclimated. For home buyers with pets in tow, it is important to help their companions become acclimated to their new life early on. During a visit to the future home, you should take your four-legged friend on a personal tour, showing them their new play area and “bathroom.”  By scoping out all of the new scents and sights, the pet will start to acquaint itself with their new digs.  Cats may feel more comfortable exploring one room at a time so start in the bathroom, a smaller space, and let them take their time coming out of the carrier to explore.



Get new pet tags. With doors opening and closing and people entering and exiting, pets will likely have more opportunities to get loose during a move than they did while living in the previous home.  As soon as the contract is signed, home buyers should purchase a new tag with their pet’s name, new address and phone number.  If the pet has a microchip, pet parents should also contact the company and have their pet’s ID information updated in their database. If a pet escaped during the move, it would be very difficult for them to find their way back to a home they barely know.



Be extra security conscious. The first few days in a new home can spook even the most laid-back pet.  Make sure your pet’s collar fits securely and, unless the backyard at the new home is completely fenced in, keep your pet on a leash when heading outdoors. Take a full inspection of the house, looking for openings a pet can crawl into or other safety hazards before letting them explore.  Once they’re off their leash or out of their carrier, be sure to keep a close eye on them.



Continue with business as usual.  After moving into the new home, try to stick to your pet’s daily routine as closely as possible by feeding them, playing with them and walking them at the same times they did when in the previous home. Such consistency will enable pets to get used to their new life more quickly.



* These tips were adapted from a chapter in The Adopted Dog Bible, written by Kim Saunders, vice president of shelter outreach for Petfinder.com, the largest online database of adoptable pets.

HAGERSVILLE TOWNHOME-Builder will hold mortgage @ 5% with only $2,000 down!!! 30 mins to Hamilton- http://www.realestatechannel.ca/24005

HAGERSVILLE TOWNHOME-Builder will hold mortgage @ 5% with only $2,000 down!!! 30 mins to Hamilton- http://www.realestatechannel.ca/24005

Monday 28 May 2012

Real estate consumers want an Ultimate Service® experience

Real estate consumers want an Ultimate Service® experience

In today’s marketplace, Canadian consumers are constantly being inundated with advertising claims from a number of real estate brands, many of which sound very similar from one company to the next.  The consumer is left wondering whether there really is a difference between real estate companies.      

 That was a key reason why Coldwell Banker developed Ultimate Service®.  While other brands or real estate professionals may talk about quantity – how many homes they’ve sold, or other such numbers -- Coldwell Banker focuses on quality.  The quality of service that Coldwell Banker professionals deliver to home buyers and sellers across Canada through a unique program called Ultimate Service.  

It all starts with listening.  Every customer and every transaction is different.  Only by listening to the customer and truly understanding their individual needs, can you deliver a value proposition that will meet those needs. 

There are three distinct steps to the Ultimate Service marketing process:

-- First, we listen to the customer

-- Second, -- together with the customer -- we develop a customized service plan to meet their needs…and then commit to that service plan, in writing.  We offer a signed pledge to customer satisfaction in the form of our Buyer and Seller service guarantees

-- And finally, we give our customers an opportunity to evaluate our service in the form of customer satisfaction surveys. 

The satisfaction surveys benefit the consumer in two ways.  First of all, it helps us to  continually evaluate and refine their service.  Only by constantly improving can you ensure that your service stays ahead of your customers’ expectations.  

But there’s another way that our survey benefits the consumer - it offers them a proven track record of our performance.  In fact, Coldwell Banker Canada has just earned a 98% overall satisfaction rating from Canadian Home Buyers and Sellers.  And what’s more, we’ve now done it for 13 years in a row!

Our Ultimate Service claim is unique in the real estate industry.  Why?  Because it’s based on what real, live customers had to say about the service experience delivered by their Coldwell Banker agent. 

Our 98% satisfaction rating – which was tabulated by an independent third party company – was based on the responses of over 50,000 Canadian home buyers and sellers.  No other company in real estate can make that claim.

When you choose Coldwell Banker, you don’t have to take our word for it that we provide outstanding service – just ask our customers!

Tuesday 15 May 2012

Mature Adult Lifestyle New 2bed,2bath,one level $222,950

http://www.realestatechannel.ca/22987  End unit Semi!!!!

Stunning Freehold no fees 1,249sqft Bungalow Semi's and Townhomes. 2 bed and 2 full bath designed for mature and professional adults. Designed open concept with customizable kitchen, generous lighting allowance personally select your lighting fixtures, 9' ceilings, main floor laundry/mud room off inside garage entry, patio doors off living room to 10x12 deck and wide foyer hallway. Units starting @ $212,950. Only 25 minutes to Hamilton, in town hospital and walking distance to amenities. Floor plan and construction details brochure available @ http://bit.ly/JwUw3C

Know your options for mortgage interest

Know your options for mortgage interest

With the Canadian resale housing market booming, and indications that the Bank of Canada may increase interest rates, there’s been a lot of attention lately regarding the various options available for mortgage loans.  Whether you’re applying for a new mortgage, or thinking about refinancing before the predicted rate increases hit, it’s important that you know your options so you can make an informed decision.

When you choose a mortgage, you have to decide whether you want the interest rate to be fixed, variable or adjustable.  There’s no one right choice.  Each of these three options offers various advantages.  Your task is to choose the one that’s right for your specific needs.

According to the Canada Mortgage and Housing Corporation (CMHC):

·         A fixed rate mortgage is locked-in for the entire term of the mortgage.

·         With a variable rate, the payments remain the same each month, but the interest rate fluctuates based on market conditions.

·         For adjustable rate mortgages, both the interest rate and the mortgage payments vary based on market conditions.

When making your mortgage choice, be sure to evaluate the impact of an increasing interest rate on your monthly payment.

Want to know more about mortgage options and which one is right for you?  Contact me to learn more.  When you’re ready to finance, I can also help you connect with an experienced lender to assist you.  Remember, this could be your best time to explore your options, before any anticipated rate increases kick in. 

Tuesday 8 May 2012

END UNIT CONDO-BUILDER WILL HOLD MORTGAGE WITH ONLY $2,000 DOWN!

Virtual Tour http://www.propertypanorama.com/171685
http://www.realestatechannel.ca/22713

***END UNIT***HAGERSVILLE CLASSY CONDOS-Getting yourself in a Real Estate investment has never been easier&more elegant.Picturesque brick faced 2 bed/2bath townhouse condos W/classic designs&coin corners. Step up front entrance w/slick boulder retaining wall.Inside is NEW!Recently built development in it's 2nd PHASE. Glamorous bright open concept living area. All baths&kitchen floors are ceramic. Unfinished units are open to change the carpet options or upgrade to hardwood.Living area exits through patio doors to wood deck porch that can be upgraded to full yard deck.Extra large bedrooms with ensuite access for the Master Bedroom.Masterly finished trim work,warm natural paint tones & that new home smell.2 front of unit parking spots.Easy no fuss condo living for the busy professional,young singles,empty nesters or traveller home owner.Great financing options available from local financer with great rates and SELLER TAKE BACK MORTGAGE WITH ONLY $2,000 DOWN.*FREE condo fees for 1 year,FREE cable,FREE internet & FREE phone for 1 year.Great STARTER option or RIGHT SIZE opportunity. Only 25-30 minutes south of HAMILTON

Sunday 6 May 2012

Classy Condos, Hagersville-BUILDER WILL HOLD MORTGAGE only $2,000 DOWN

http://www.realestatechannel.ca/22613

HAGERSVILLE CLASSY CONDOS-Getting yourself in a Real Estate investment has never been easier & more elegant.Picturesque brick faced 2 bed/2 bath townhouse condos with classic designs & coin corners. Step up front entrance with slick boulder retaining wall.Inside is NEW!NEW!NEW!Recently built development in it's 2nd PHASE. Glamorous bright open concept living area. All baths & kitchen floors are ceramic. Unfinished units are open to change the carpet options or upgrade to hardwood.Living area exits through patio doors to wood deck porch that can be upgraded to full yard deck.Extra large bedrooms with ensuite access for the Master Bedroom.Masterly finished trim work,warm natural paint tones & that new home smell.2 front of unit parking spots.Easy no fuss condo living for the busy professional,young singles,empty nesters or traveller home owner.Great financing options available from local financer with great rates and SELLER TAKE BACK MORTGAGE WITH ONLY $2,000 DOWN.*FREE condo fees for 1 year,FREE cable,FREE internet & FREE phone for 1 year.Great STARTER option or RIGHT SIZE opportunity. Only 25-30 minutes south of HAMILTON!

Thursday 3 May 2012

Hagersville, Northview Estates, New Adult Living, 1,249sqft, 2bed/2bath $222,950

http://www.realestatechannel.ca/22611

Stunning Freehold no fees 1,249sqft Bungalow Semi Townhomes. 2 bed and 2 full bath designed for mature and professional adults. Designed open concept with customizable kitchen, generous lighting allowance personally select your lighting fixtures, 9' ceilings, main floor laundry/mud room off inside garage entry, patio doors off living room to 10x12 deck and wide foyer hallway. Units starting @ $212,950. Only 25 minutes to Hamilton, in town hospital and walking distance to amenities. Floor plan and construction details brochure available @ http://tomflatt.blogspot.com/2011/09/northview-estates-hagersville-1249sqft.html?spref=bl

Tuesday 1 May 2012

Tips for First-Time Home Buyers 

For most people, buying a home is the most significant investment they will ever make. Today, with an abundance of homes for sale and interest rates at near historic lows, it may also be the smartest time to buy a home.  While the prospect of owning a home is an exciting one, it can often times seem overwhelming, especially for those who are new to the real estate process.   With that in mind, Coldwell Banker® has come up with some tips for first-time buyers dreaming of homeownership.

  • Utilize free online tools to arm you with as much knowledge as possible.  For example, the Coldwell Banker YouTube channel, On Location, offers consumers a new way to search for and interact with real estate information and listings.  The channel showcases the power of video to bring real estate more vividly to life – offering behind-the-scenes looks at towns and neighbourhoods, smart tips and timely news on real estate topics, and video listings of homes for sale.  Additionally, the Coldwell Banker Home Price Comparison Index available at http://hpci.coldwellbanker.com offers buyers a way to compare average housing costs in more than 325 U.S. and Canadian markets. 

  • Take time to access and closely review your credit score.  A sound financial track record and solid credit score can help lock in a loan and lower interest rates.  Checking your records with a fine-tooth comb in advance will also ensure that you catch any errors ahead of time, as well as help you better understand how lenders may perceive you.

  • Explore mortgage pre-approval.  A pre-approval will let home buyers know where they fall financially while informing the mortgage company that they are ready to buy. Additionally, getting this early go-ahead will help others involved with your purchase know that you are serious about home ownership – and well-qualified.

  • Line up your “all-star” team of professionals before game day.  A team of experienced professionals is essential to making the home buying process simple and seamless.  Start by interviewing and selecting an agent who you “connect” with.  That agent may also be able to help you indentify suitable lawyers, mortgage lenders, home inspectors and others who play a role in the process.
        
  • Anticipate your future needs and buy for lifestyle.  Try to anticipate how long you’ll live in your next home and plan for major lifestyle changes when possible.  What may make a perfect starter home for a couple might not work as well when children come into the picture.  Remember, people move for lifestyle reasons and your first home will likely not be your last.

Thursday 26 April 2012

3BR/2BA 1950sf $115000 Affordable Quality HAGERSVILLE

3BR/2BA 1950sf $115000 Affordable Quality HAGERSVILLE ON Property

2BR/1.5BA 982sf $169900 Classy Condos Hagersville-Builder will hold the mortgage.

2BR/1.5BA 982sf $169900 Classy Condos Hagersville ON Property

2BR/2BA 1249sf $220450 Mature Adult Area HAGERSVILLE

2BR/2BA 1249sf $220450 Mature Adult Area HAGERSVILLE ON Property

2BR/1.5BA 982sf $169900 Classy Condos Hagersville -Builder will hold the Mortgage

2BR/1.5BA 982sf $169900 Classy Condos Hagersville ON Property

$109900 15.9 Acre Estate Lot CAYUGA ON

$109900 15.9 Acre Estate Lot CAYUGA ON Property

5BR/4BA 4-Plex $219900 Income Generator Dunnville ON

5BR/4BA 4 Plex $219900 Income Generator Dunnville ON Property

3BR/2BA 1950sf $115000 Affordable Quality HAGERSVILLE ON

3BR/2BA 1950sf $115000 Affordable Quality HAGERSVILLE ON Property

2BR/1.5BA 982sf $169900 Classy Condos Hagersville ON

2BR/1.5BA 982sf $169900 Classy Condos Hagersville ON Property

!!!NEW PRICE!!! 3BR/1BA 0sf $219900 Rural Starter On 1ac SIMCOE ON

!!!NEW PRICE!!!3BR/1BA 0sf $219900 Rural Starter On 1ac SIMCOE ON Property

Tom Flatt, Coldwell Banker J. Kazi Realty, Brokerage: 3BR/1BA 0sf $229900 Rural Starter On 1ac SIMCOE ON...

Tom Flatt, Coldwell Banker J. Kazi Realty, Brokerage: 3BR/1BA 0sf $229900 Rural Starter On 1ac SIMCOE ON...: 3BR/1BA 0sf $229900 Rural Starter On 1ac SIMCOE ON Property # realestate http://realestatechannel.ca/22187

3BR/1.5BA 0sf $199900 20 Mins To Hamilton CALEDONIA ON

3BR/1.5BA 0sf $199900 20 Mins To Hamilton CALEDONIA ON Property

Tom Flatt, Coldwell Banker J. Kazi Realty, Brokerage: 2BR/1.5BA 1106sf $189900 Classy Condos HAGERSVILLE...

Tom Flatt, Coldwell Banker J. Kazi Realty, Brokerage: 2BR/1.5BA 1106sf $189900 Classy Condos HAGERSVILLE...: 2BR/1.5BA 1106sf $189900 Classy Condos HAGERSVILLE ON Property # realestate http://realestatechannel.ca/22184

2BR/1.5BA 1106sf $189900 Classy Condos HAGERSVILLE ON

2BR/1.5BA 1106sf $189900 Classy Condos HAGERSVILLE ON Property

2BR/2BA 1249sf $220450 Stunning Freehold HAGERSVILLE ON

2BR/2BA 1249sf $220450 Stunning Freehold HAGERSVILLE ON Property

Tom Flatt, Coldwell Banker J. Kazi Realty, Brokerage: Avoid these pitfalls when buying home

Tom Flatt, Coldwell Banker J. Kazi Realty, Brokerage: Avoid these pitfalls when buying home: Avoid these pitfalls when buying home Buying a home can be a very complex, and sometimes emotional experience.   Some buyers find themselv...

Avoid these pitfalls when buying home

Avoid these pitfalls when buying home

Buying a home can be a very complex, and sometimes emotional experience.  Some buyers find themselves getting caught up in the emotional side, and let their heart take over their head.  Here are a few tips from Coldwell Banker on how would-be buyers can stay grounded and avoid some common pitfalls during the home buying process:

  • DON’T fall in love with the first house or neighbourhood you see.  That Victorian home with the white-picket fence may win your heart at first glance, but don’t fall in love too fast.  You need to keep an open mind to make sure you find the right fit for all your needs.  At the end of your search, it may turn out that the riverfront ranch that’s closer for your commute is a better bet all-around.

  • DON’T buy beyond what you can afford.  It’s easy to fall into that all-you-can-eat attitude, especially if this is your first home purchase.  You “want it all” when it comes to size, amenities, location, etc.  But remember that your eyes may have a larger appetite than your wallet.  Make sure that the down payment, closing costs, monthly expenses and taxes are truly within your income and savings range before you sign on the dotted line.  Your Coldwell Banker sales representative can help you ‘crunch the numbers’ ahead of time, to help you determine what you can comfortably afford. 

  • DON’T treat your home the way you treat your stock portfolio.  It’s unrealistic and unwise to expect your housing investment will always appreciate as quickly as high-risk stocks or bonds.  Buying for lifestyle reasons, as opposed to trying to turn a quick profit, will help ensure that you are viewing home purchasing and ownership in the right context.

  • DON’T try to time the market.  By the time most consumers sense a major real estate or financial market shift, the tables have typically already turned.  Instead of waiting for a slim and unreliable window of time – and potentially missing out on the perfect home – buyers should focus on their own lifestyles and buy when the time is truly right for them.

  • DON’T jump into an overly tempting or confusing mortgage.  When it comes to down payments and mortgages, if it sounds too good to be true, it probably is, especially if financing outside of major financial institutions.  Be sure to read carefully through every aspect of the proposed agreements to fully understand your end of the bargain.  Consider getting independent financial advice if you’re unsure of your options.  For instance, what seems like an attractive rate now may increase dramatically a few years down the road.   

  • DON’T underestimate the value of a trustworthy real estate agent’s on-the-ground expertise.  While being a savvy buyer and doing one’s homework will help on the road to homeownership, a local expert with years of negotiating experience is invaluable when it comes to scouting out the perfect home – and closing the deal.
Want more tips on how to make a smart and savvy real estate purchase?  Contact me, and take advantage of my insight.