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  • What are your thoughts on the CMHC first time Home Buyers incentive plan that was just announced this week?
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To be honest, We were expecting some news that would actually make an impact on our market!
Something along the lines of increasing the amortization period to 30yrs or changes to the MTG stress test.. But here we have it, these are the changes:
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✨Home Buyers Plan Gets a Boost✨
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The government enhances the Home Buyer’s Plan (HBP), which currently allows first-time buyers to take out up to $25,000 from their registered retirement savings plan (RRSP) to finance the purchase of a home, without having to pay tax on the withdrawal. The budget proposes raising that cap to $35,000.
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The new limit would apply to HBP withdrawals made after March 19, 2019.
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Home buyers must put the money back into their RRSP over 15 years to avoid their HBP withdrawal being added to their taxable income. Now Canadians will have to repay a maximum of $35,000 – instead of $25,000 – over the same period, Carroll noted.
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And while the budget does earmark $10 billion over nine years for new rental homes, it does not propose major tax breaks for homebuilders.
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The money would go to first-time home buyers applying for insured mortgages. Borrowers would still have to pony up a down payment of at least five per cent of the home purchase price. On top of that, though, they would receive an incentive of up to 10 per cent of the house price, which would lower the amount of their mortgage.
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For example, say you’re hoping to buy a $400,000 home with the minimum required five per cent down payment, which works out to $20,000. With the new incentive, you could receive up to $40,000 through the CMHC. Now, instead of taking out a $380,000 mortgage, you’d need to borrow only $340,000. This would lower your monthly mortgage bill from over $1,970 to less than $1,750.
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This means the most expensive homes Canadians would be able to buy this way would be worth around $500,000 ($480,000 max in insured mortgage and incentive, plus the down payment amount).
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Home owners would eventually have to repay the incentive, possibly at re-sale, not yet clear on this, more to folllow!
.
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#helloproperty
  • What are your thoughts on the CMHC first time Home Buyers incentive plan that was just announced this week?
    .
    To be honest, We were expecting some news that would actually make an impact on our market!
    Something along the lines of increasing the amortization period to 30yrs or changes to the MTG stress test.. But here we have it, these are the changes:
    .
    ✨Home Buyers Plan Gets a Boost✨
    .
    The government enhances the Home Buyer’s Plan (HBP), which currently allows first-time buyers to take out up to $25,000 from their registered retirement savings plan (RRSP) to finance the purchase of a home, without having to pay tax on the withdrawal. The budget proposes raising that cap to $35,000.
    .
    The new limit would apply to HBP withdrawals made after March 19, 2019.
    .
    Home buyers must put the money back into their RRSP over 15 years to avoid their HBP withdrawal being added to their taxable income. Now Canadians will have to repay a maximum of $35,000 – instead of $25,000 – over the same period, Carroll noted.
    .
    And while the budget does earmark $10 billion over nine years for new rental homes, it does not propose major tax breaks for homebuilders.
    .
    The money would go to first-time home buyers applying for insured mortgages. Borrowers would still have to pony up a down payment of at least five per cent of the home purchase price. On top of that, though, they would receive an incentive of up to 10 per cent of the house price, which would lower the amount of their mortgage.
    .
    For example, say you’re hoping to buy a $400,000 home with the minimum required five per cent down payment, which works out to $20,000. With the new incentive, you could receive up to $40,000 through the CMHC. Now, instead of taking out a $380,000 mortgage, you’d need to borrow only $340,000. This would lower your monthly mortgage bill from over $1,970 to less than $1,750.
    .
    This means the most expensive homes Canadians would be able to buy this way would be worth around $500,000 ($480,000 max in insured mortgage and incentive, plus the down payment amount).
    .
    Home owners would eventually have to repay the incentive, possibly at re-sale, not yet clear on this, more to folllow!
    .
    .
    #helloproperty
  • 11 1 3 hours ago
  • .
Why is a Home Inspection Important?
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Sometimes when viewing a home, it is easy to let staging get the best of us. We get so caught up in the pretty wrapping that we forget to look inside to see what makes the home tick.
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It is a classic example of never judging a book by its cover, and can be easily solved with a home inspection. When buyers put in an offer, there is the option to insert a home inspection clause. When you hire a professional home inspector, you can save yourself time, stress, and avoid potential financial risk by proactively identifying any issues within the inner workings of the home. The home inspector will do an inspection of the structure and components of the home to ensure everything is performing correctly and is in safe working condition.
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How Much Does an Inspection Cost?
The cost of a home inspection will vary depending on factors including the age, size, and location of the home. Always make sure you choose your home inspector carefully by doing your research and taking a close look at their qualifications and credentials. Choosing a reputable inspector could save you from running into unplanned and often costly issues in your new home. The typical cost can range starting from $400+ depending on the size and details of the home.
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Feel free to share any stories you have involving home inspections below!! 👇🏼👇🏼
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Remember to follow us 👉🏻👉🏻 @helloproperty
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🏡 Full Service Real Estate Broker
📍Toronto & GTA
👉🏻Thinking of Buying, Selling, Investing? 🗣Let’s Talk
📞 416.723.0692
📧 MojanSanandaji@Royallepage.ca
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#helloproperty #mojanrealestate 
#justlisted #realestate #broker #realtor #realtorlife #luxurylistings #luxuryhomes #happyrealtor #investor #buyeragent #selleragent #readytomove #homesales #toronto #GTA #mississauga #getlisted #getsold #topdollar #negotiate #sold #buy #sell #invest #home #condo #residential #realestate #the6ix
  • .
    Why is a Home Inspection Important?
    .
    Sometimes when viewing a home, it is easy to let staging get the best of us. We get so caught up in the pretty wrapping that we forget to look inside to see what makes the home tick.
    .
    It is a classic example of never judging a book by its cover, and can be easily solved with a home inspection. When buyers put in an offer, there is the option to insert a home inspection clause. When you hire a professional home inspector, you can save yourself time, stress, and avoid potential financial risk by proactively identifying any issues within the inner workings of the home. The home inspector will do an inspection of the structure and components of the home to ensure everything is performing correctly and is in safe working condition.
    .
    How Much Does an Inspection Cost?
    The cost of a home inspection will vary depending on factors including the age, size, and location of the home. Always make sure you choose your home inspector carefully by doing your research and taking a close look at their qualifications and credentials. Choosing a reputable inspector could save you from running into unplanned and often costly issues in your new home. The typical cost can range starting from $400+ depending on the size and details of the home.
    .
    Feel free to share any stories you have involving home inspections below!! 👇🏼👇🏼
    .
    Remember to follow us 👉🏻👉🏻 @helloproperty
    .
    .
    🏡 Full Service Real Estate Broker
    📍Toronto & GTA
    👉🏻Thinking of Buying, Selling, Investing? 🗣Let’s Talk
    📞 416.723.0692
    📧 MojanSanandaji@Royallepage.ca
    .
    .
    .
    #helloproperty #mojanrealestate
    #justlisted #realestate #broker #realtor #realtorlife #luxurylistings #luxuryhomes #happyrealtor #investor #buyeragent #selleragent #readytomove #homesales #toronto #GTA #mississauga #getlisted #getsold #topdollar #negotiate #sold #buy #sell #invest #home #condo #residential #realestate #the6ix
  • 35 1 12 March, 2019
  • .
✨STEPS TO BUYING YOUR HOME✨
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The following are some simple questions to ask yourself when buying a home. You don't have to have all the answers at this point yet thinking about and planning for them will assist you in being prepared and informed as you start your search.
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1. Where do you want to live?
What area or town best suits your lifestyle? Distance to work? Are there schools nearby? Is there area safe and comfortable? Is there entertainment venues and places to shop near by? Answering these questions will naturally assist in answering the first question of home buying, which is location
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2. What type of home do you want to live in?
After location, the next decision you'll have to make is about the kind of space you want to live in. Do you need 1 bedroom, 2, or more? What is the best type of layout for you?
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3. How much do I want to pay?
To answer this question, you will first need to determine how much you can afford based on the location and the type of home you want to live in. You will have to decide on an appropriate down payment as well as your mortgage carrying ability. You will need to add these numbers to all other loan expenses you might have as well as your total average monthly expenses. We suggest speaking to a financial advisor to get a clear picture!
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4. Do your homework.
Choose an agent that is going to put you first and focuses on getting the most for YOU! Speak to your family and friends and ask them to refer an agent they know or have had experience with!
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5. How do I make my purchase?
Once you've made all the tough home buying choices, you will need to start the paper work. Because buying a home is such an emotional and exciting experience, it can be difficult to focus on contract details. We recommend that you work with a Real Estate Agent and a lawyer who specializes in condominium & home purchases to help you through this process.
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Let Us do the Hard Work for you and Protect you when it comes to the Biggest Investment of Your Life! That’s what we are Here for!
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#helloproperty #mojanrealestate 
#justlisted #realestate #broker #realtor #realtorlife #luxurylistings #luxuryhomes #happyrealtor #investor
  • .
    ✨STEPS TO BUYING YOUR HOME✨
    .
    The following are some simple questions to ask yourself when buying a home. You don't have to have all the answers at this point yet thinking about and planning for them will assist you in being prepared and informed as you start your search.
    .
    1. Where do you want to live?
    What area or town best suits your lifestyle? Distance to work? Are there schools nearby? Is there area safe and comfortable? Is there entertainment venues and places to shop near by? Answering these questions will naturally assist in answering the first question of home buying, which is location
    .
    2. What type of home do you want to live in?
    After location, the next decision you'll have to make is about the kind of space you want to live in. Do you need 1 bedroom, 2, or more? What is the best type of layout for you?
    .
    3. How much do I want to pay?
    To answer this question, you will first need to determine how much you can afford based on the location and the type of home you want to live in. You will have to decide on an appropriate down payment as well as your mortgage carrying ability. You will need to add these numbers to all other loan expenses you might have as well as your total average monthly expenses. We suggest speaking to a financial advisor to get a clear picture!
    .
    4. Do your homework.
    Choose an agent that is going to put you first and focuses on getting the most for YOU! Speak to your family and friends and ask them to refer an agent they know or have had experience with!
    .
    5. How do I make my purchase?
    Once you've made all the tough home buying choices, you will need to start the paper work. Because buying a home is such an emotional and exciting experience, it can be difficult to focus on contract details. We recommend that you work with a Real Estate Agent and a lawyer who specializes in condominium & home purchases to help you through this process.
    .
    Let Us do the Hard Work for you and Protect you when it comes to the Biggest Investment of Your Life! That’s what we are Here for!
    .
    .
    .
    .
    .
    #helloproperty #mojanrealestate
    #justlisted #realestate #broker #realtor #realtorlife #luxurylistings #luxuryhomes #happyrealtor #investor
  • 22 2 11 March, 2019
  • .What is a status certificate?
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A status certificate is a document provided by the condominium corporation to buyers/sellers of resale condos that provides a snapshot of the unit as of the date that the certificate is issued (typically valid for approx 30 days in a real estate transaction).
The certificate must be given to the prospective buyer within 10 days of the date of the request, and the Condominium Act allows for approx. $100 fee to be charged for the status certificate.
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Why Is a Status Certificate so Important?
A status certificate contains pertinent information about the individual condominium unit. Among other things, the certificate would indicate if the current unit owner is in default of paying the monthly common expenses, if an increase in the common expenses has been declared by the condominium board, and the amount in the reserve fund.
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It is important that all prospective buyers obtain and carefully inspect status certificates. They can’t refuse to pay for a special assessment that is clearly announced if they have not read the certificate or have not requested one.  The responsibility of reading it is theirs and their lawyer’s.
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Obtaining A Certificate:
Who can obtain a status certificate? Anyone can, in theory. However, each unit's certificate may have slightly different contents because a certificate always lists arrears and changes in the exclusive-use common elements made with board approval, for instance. Therefore, in practice, owners who are selling and prospective buyers are the ones who obtain a certificate. Or their lawyers, or real estate agents, or a bank.
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If you are dealing with a Condo Property, Protect Yourself, Order a Status Certificate.
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.
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🏡 Full Service Real Estate Broker
📍Toronto & GTA
👉🏻Thinking of Buying, Selling, Investing? 🗣Let’s Talk
📞 416.723.0692
📧 MojanSanandaji@Royallepage.ca
.
.
.
#helloproperty #mojanrealestate 
#justlisted #realestate #broker #realtor #realtorlife #luxurylistings #luxuryhomes #happyrealtor #investor #buyeragent #selleragent #readytomove #homesales #toronto #GTA #mississauga #getlisted #getsold #topdollar #negotiate #sold #buy #sell #invest #home #condo #residential #statuscertificate
  • .What is a status certificate?
    .
    A status certificate is a document provided by the condominium corporation to buyers/sellers of resale condos that provides a snapshot of the unit as of the date that the certificate is issued (typically valid for approx 30 days in a real estate transaction).
    The certificate must be given to the prospective buyer within 10 days of the date of the request, and the Condominium Act allows for approx. $100 fee to be charged for the status certificate.
    .
    Why Is a Status Certificate so Important?
    A status certificate contains pertinent information about the individual condominium unit. Among other things, the certificate would indicate if the current unit owner is in default of paying the monthly common expenses, if an increase in the common expenses has been declared by the condominium board, and the amount in the reserve fund.
    .
    It is important that all prospective buyers obtain and carefully inspect status certificates. They can’t refuse to pay for a special assessment that is clearly announced if they have not read the certificate or have not requested one.  The responsibility of reading it is theirs and their lawyer’s.
    .
    Obtaining A Certificate:
    Who can obtain a status certificate? Anyone can, in theory. However, each unit's certificate may have slightly different contents because a certificate always lists arrears and changes in the exclusive-use common elements made with board approval, for instance. Therefore, in practice, owners who are selling and prospective buyers are the ones who obtain a certificate. Or their lawyers, or real estate agents, or a bank.
    .
    If you are dealing with a Condo Property, Protect Yourself, Order a Status Certificate.
    .
    .
    .
    🏡 Full Service Real Estate Broker
    📍Toronto & GTA
    👉🏻Thinking of Buying, Selling, Investing? 🗣Let’s Talk
    📞 416.723.0692
    📧 MojanSanandaji@Royallepage.ca
    .
    .
    .
    #helloproperty #mojanrealestate
    #justlisted #realestate #broker #realtor #realtorlife #luxurylistings #luxuryhomes #happyrealtor #investor #buyeragent #selleragent #readytomove #homesales #toronto #GTA #mississauga #getlisted #getsold #topdollar #negotiate #sold #buy #sell #invest #home #condo #residential #statuscertificate
  • 26 0 10 March, 2019
  • .
🍁Royal LePage Terrequity has partnered with CityCondo to provide some amazing Pre-construction projects to Our Clients.
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You can now Invest in a property and hire CityCondo to Manage it for You! 🆒✔️
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🔥PRE CONSTRUCTION AVAILABLE NOW🔥
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✨✨ The Well Condo by Tridel ✨✨
✅Award Winning Tridel ✅ Located Front & Spadina ✅6 Buildings
✅Pedestrian-friendly pathways
✅Over 1,000,000 sqft of rentable workplace solution ✅125,000 sqft rentable office space ✅Year Round Open Air Promenade .
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✨✨Auberge on the Park  by Tridel ✨✨
✅Phase 3
✅Award Winning Tridel ✅Located at Leslie & Eglinton Ave. East
✅29 Floors
✅215 Units ranging from 542 sqft to 2207sqft
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✨✨Kings Landing 2 by Concord ✨✨
✅ Located at Sheppard Ave E and McMahon Drive
✅ 20 multi-tower high rise complex
✅ Prices from high $300K
✅ Suite sizes: 1 bed to 3 bed suites ranging from 500 to 1000 sq ft.
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✨✨ 8 Cedarland by H & W ✨✨
✅ Nearest intersection: Warden/Hwy 7
✅ Pricing: Starting from the $780 per sq ft
✅ Occupancy: Fall 2023
✅ Storeys/Suites: 21 Storeys/517 suites
✅ Suite types: 1 bed to 3 bed suites
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✨✨Line 5 South by Reserve Properties✨
✅ Located at Yonge & Eglinton
✅ Two towered project with a stepped podium that connects the pair of buildings
✅ Condos features 28 and 35 storey residential towers and 701 Condo Units
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✨✨Sage Kingston by In8 Developments✨
✅The latest development from IN8 Developments offers the chance for a turnkey investment in the growing Kingston Market ✅Free Furniture package and 2 year rental guarantee
✅15 min walk to Queen's University
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✨✨Bijou on Bloor by Plazacorp ✨✨
✅Major Intersection Bloor St W & Riverview Gardens ✅244 Units & 14 storey ✅Estimates Completion 2021
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✨✨Express Condos by Malibu Investments✨✨
✅Phase 2
✅Located just steps from Wilson Subway Station in Toronto’s Clinton Park neighbourhood ✅2 Towers
✅651 Units .
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✨✨Sugar Wharf by Menkes ✨✨
✅Phase 2
✅Nestled in Toronto’s Waterfront ✅1927 Units ✅3 Residential Towers .
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✨✨4800 Yonge by Menkes✨✨
✅ Located at Yonge & Sheppard
✅Potential 49 storeys ✅Retail & Office Podium & Residential Tower Above ✅497 Suites .
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#helloproperty #mojanrealestate #Investment
#justlisted #realestate
  • .
    🍁Royal LePage Terrequity has partnered with CityCondo to provide some amazing Pre-construction projects to Our Clients.
    .
    You can now Invest in a property and hire CityCondo to Manage it for You! 🆒✔️
    .
    .
    🔥PRE CONSTRUCTION AVAILABLE NOW🔥
    .
    ✨✨ The Well Condo by Tridel ✨✨
    ✅Award Winning Tridel ✅ Located Front & Spadina ✅6 Buildings
    ✅Pedestrian-friendly pathways
    ✅Over 1,000,000 sqft of rentable workplace solution ✅125,000 sqft rentable office space ✅Year Round Open Air Promenade .
    .
    ✨✨Auberge on the Park by Tridel ✨✨
    ✅Phase 3
    ✅Award Winning Tridel ✅Located at Leslie & Eglinton Ave. East
    ✅29 Floors
    ✅215 Units ranging from 542 sqft to 2207sqft
    .
    .
    ✨✨Kings Landing 2 by Concord ✨✨
    ✅ Located at Sheppard Ave E and McMahon Drive
    ✅ 20 multi-tower high rise complex
    ✅ Prices from high $300K
    ✅ Suite sizes: 1 bed to 3 bed suites ranging from 500 to 1000 sq ft.
    .
    .
    ✨✨ 8 Cedarland by H & W ✨✨
    ✅ Nearest intersection: Warden/Hwy 7
    ✅ Pricing: Starting from the $780 per sq ft
    ✅ Occupancy: Fall 2023
    ✅ Storeys/Suites: 21 Storeys/517 suites
    ✅ Suite types: 1 bed to 3 bed suites
    .
    .
    ✨✨Line 5 South by Reserve Properties✨
    ✅ Located at Yonge & Eglinton
    ✅ Two towered project with a stepped podium that connects the pair of buildings
    ✅ Condos features 28 and 35 storey residential towers and 701 Condo Units
    .
    .
    ✨✨Sage Kingston by In8 Developments✨
    ✅The latest development from IN8 Developments offers the chance for a turnkey investment in the growing Kingston Market ✅Free Furniture package and 2 year rental guarantee
    ✅15 min walk to Queen's University
    .
    .
    ✨✨Bijou on Bloor by Plazacorp ✨✨
    ✅Major Intersection Bloor St W & Riverview Gardens ✅244 Units & 14 storey ✅Estimates Completion 2021
    .
    .
    ✨✨Express Condos by Malibu Investments✨✨
    ✅Phase 2
    ✅Located just steps from Wilson Subway Station in Toronto’s Clinton Park neighbourhood ✅2 Towers
    ✅651 Units .
    .
    ✨✨Sugar Wharf by Menkes ✨✨
    ✅Phase 2
    ✅Nestled in Toronto’s Waterfront ✅1927 Units ✅3 Residential Towers .
    .
    ✨✨4800 Yonge by Menkes✨✨
    ✅ Located at Yonge & Sheppard
    ✅Potential 49 storeys ✅Retail & Office Podium & Residential Tower Above ✅497 Suites .
    .
    .
    .
    #helloproperty #mojanrealestate #Investment
    #justlisted #realestate
  • 27 0 4 March, 2019