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When the overnight rate is increased, it becomes more expensive to borrow money. The increased costs of borrowing money are shifted from the bank onto the consumer by increasing the Prime Rate.

Pre-Approvals are likely to decrease.

Fixed-Rate Mortgages remain the same.

Adjustable Rate Mortgages will increase according to the new Prime Rate minus your discount. (Expect information in the mail).

Static Variable Mortgages payments remain the same but a portion of interest paid to the lender will change.

Reach out with your questions anytime. I can introduce you to a mortgage broker who would be happy to go over your options with you and help you find a mortgage that you're most comfortable with.

Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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During this time of year, our thoughts are filled with gratitude for those who have supported us in our personal lives and careers. Here are some ideas on how to host an event that extends that gratitude to helping others in need.⁠

Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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Preparing for homeownership can sometimes feel overwhelming, but obtaining pre-approval before looking at homes helps alleviate some stress. As a first-time home buyer, you want to be in the know about what's going on so here are 3 steps to getting pre-approved! ⁠ ⁠

If you have questions or need a referral to a trusted mortgage broker, send me a DM!⁠ ⁠

Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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Ask yourself this... what do you do when things don't go your way? Remind yourself that it's okay to not be afraid to take risks and when we plan and the plans don't work out, you just have to rise up and try again.

Many have commented on how the current interest rates have them feeling more doubtful about homeownership. There are several options out there to take a look into. What doesn't work with one lender, another may be able to sort something out that works for you.

If you have questions, don't hesitate to ask them. I can also refer you to someone who is no stranger to the game.

Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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Markham August 2022 stats are out!⁠ Have questions about how this may impact your home selling or buying decision?! send me a message!⁠

Read Full Market Stats Package

Sam Chaim⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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Is It a Good Time to Refinance My Home? What’s right for one homeowner might not be for another. Homeowners who aren't happy with their current mortgage situation might be wondering if it's a good time to refinance their home.

If that's you, consider the following to help determine if refinancing in the current market could be right for you.

Need a referral to a mortgage broker? Reach out anytime!

Sam Chaim⁠ - Making A Difference For You!
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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Did you hear the news? The BoC increased the overnight lending rate by 0.75%, which is another increase for the 5th time in a row. The Prime rate is expected to increase by 0.75% to 5.45% and Variable rate mortgages will increase by 0.75%.

The Bank’s committed to price stability and will continue to do what is required to achieve a 2% inflation target. As the effects of monetary tightening work their way through the economy, the BoC will assess how much higher interest rates need to go to return inflation to its target. The current inflation rate is measured at 7.6% decreasing from 8.1% in the previous month.

The next announcement is scheduled for October 26th and there's certainly hope that October will be more positive.

Sam Chaim⁠ - Making A Difference For You!
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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Markham June 2022 stats are out!⁠ ⁠Have questions about how this may impact your home selling or buying decision?! Send me a message!⁠

Read Full Market Stats Package

Sam Chaim⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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Markham May 2022 stats are out!⁠ Contact me to discuss how this impacts your buying or selling decision.

Read Full Market Stats Report

Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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Does the Springtime bring out the energy in you? Spend your free time reorganizing and rearranging your home to fit the vibe of the new season. ⁠


Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com

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So you've decided to love it instead of list it. Now do you remodel or not? Here are 3 questions to prompt your thinking!


Sam Chaim⁠ - Making A Difference For You!
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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All that hoping is doing is setting you back or keeping you still! What's something you've been pondering for a while? Here's your reason to dive in headfirst.

Sam Chaim⁠ - Making A Difference For You!
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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Do you agree? Goal setting is crucial to being successful? What are your top 2 goals this year?

Sam Chaim⁠ - Making A Difference For You!
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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Are you thinking of buying or selling a home in Toronto, ON or surrounding areas? Reach out today to start the home buying or selling process! ⁠Together we'll WIN on your real estate dreams.⁠

Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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With the flowers blooming animals returning and the weather warming, it's got me excited about the Toronto Real Estate Market! Spring is a GREAT time to sell. What's your favorite season of the year?

Sam Chaim⁠ - Making A Difference For You!
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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Allow me to take the home buying and selling process off of your back and into my hands!

Sam Chaim⁠ - Making A Difference For You!
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠

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Are you next? Contact me to discuss the first steps in buying or selling your home.
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Instead of reinventing the wheel, take a note from Grandma and try one of these five home cleaning hacks that have truly stood the test of time. 
 
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There's no doubt that there are many negative impacts from the homeownership gap. How did this happen and what can we do? Together, we can all fight for equal access to homeownership for everyone.


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