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Considering selling? Consider the following guide as you prepare to list & contact me with your questions!
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The Canadian government’s Home Buyers’ Plan (HBP) lets you borrow money from your RRSP if:
1. you're a first-time homebuyer; or
2. you’ve lived separately and apart from your spouse or common-law partner for at least 90 days and started living separately and apart anytime in the preceding 4 years as a result of a relationship breakdown (conditions apply).
If you’re looking to buy, build or maintain your primary residence, you can use this money for your down payment, closing costs, or both.
You can withdraw up to $35,000 from your RRSP per calendar year. Spouses or partners may also each withdraw up to $35,000 per calendar year — $70,000 in total. The borrowed funds must be in your RRSP for at least 90 days before taken out. Withdraw the money no later than 30 days after the closing date.
You can borrow money from your RRSP tax-free if you pay it back to your RRSP starting no later than the second year after the withdrawal date. Pay back the full amount within 15 years, through regular payments. Every year, the government sends you a statement summarizing what you repaid and what's outstanding.
Want to discuss how this impacts your home buying decision? Contact me with your questions and to find the answers your looking for.
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It's not just about overcoming external obstacles.. sometimes it's about overcoming your own mind! Believe it or not but simply getting started on something is already an accomplishment.

So if you've been thinking, researching comparable homes, and are finding interest in the stats of the market, contact me to have a further discussion! I'd love to help guide you towards making your real estate dreams a reality.
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What does this mean for those of you thinking of selling your home this year?

In a seller's market, there's a shortage of inventory and more potential buyers than homes available. That means there is the potential for more buyers to be bidding on the same property resulting in multiple buyer situations and bidding wars... Meaning you could walk away with more than what you originally were asking for.

Want to know more? Contact me for a complimentary market evaluation of your home!
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Start fresh in the new year with a home refresh! Whether you need a midwinter boost or you’d like to get organized, January is a great time to enhance your living space. Check out the information for useful ideas and tips on how you can revive and revamp your home.
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Sometimes it's not the easiest to qualify for a mortgage on your own because of tougher qualification rules and higher-priced homes.

It still may not be enough to qualify even with a great job, a good income, a large down payment, and amazing credit.

When lenders punch the numbers, the calculations may say that too much of your income will be needed for core homeownership costs like as your mortgage payment, the property taxes, heating & electrical bills, and condo maintenance fees (if applicable).

To put it simply, this means that your debt service ratios are too high and you will need extra help to qualify. But don't worry, you do have options!

A co-signer can take place in two ways:

1. They become a co-borrower meaning they buy the home alongside the primary applicant, their credit history and income are added to the application, they're placed on the title of the home, and are considered equally responsible for the debt.

2. They become a guarantor meaning they're backing the loan and promising you’ll pay it back on time but are responsible for the loan if the primary applicant can't repay the debt.

Have questions about mortgage co-signing? Contact me for answers & to make your real estate dreams a reality.
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December 2021 stats are out!⁠
Have questions about how this may impact your home selling or buying decision?! send me a message!⁠
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Looking at buying? RE/MAX Realtron and I will be by your side each step of the way. I will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own.

I will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and help you through the myriad of details attending the actual purchase.
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Have you ever sat down to write something, but found yourself staring at a blank page for way too long? This is a common phenomenon for many who begin journalling!

Even though you’re writing about yourself, getting started can be tough. To fight your writer’s block, I’m sharing 12 journalling prompts guaranteed to get your wheels turning.

You’ll find inspirational topics about your career, relationships, personal growth and goal setting. The more you write, the more natural journalling will start to feel — don’t be afraid to give it a try!

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 FOR SALE: #520-333 Clark Avenue W, Thornhill, ON

Click here to Watch Video Tour

Click here to View Full Listing

This spacious condo is the perfect suite to “right-size” your lifestyle. Located in one of Thornhill’s most in demand buildings, The Conservatory, this unique and stunning renovation wraps you in style and comfort while making fantastic use of space. Top-quality finishes & maximum storage and are the hallmarks of its design.

General Features:

1. Stunning porcelain honed marble-look flooring in foyer, kitchen, bathrooms and laundry room, extending wall to wall

2. Superior quality neutral laminate through hallway, storage, living and bedroom areas , extending wall to wall.

3. Designer-selected Shaker style doors and lever handles throughout

4. Crown mouldings in all hallways, living and dining rooms and kitchen

5. Smooth ceilings and 8” baseboards throughout

6. Designer-selected quality window covers (Elite Drapery) throughout

7. Maximized storage is a guiding principle in the design of this space

Contact me with questions & to book a private showing!
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November 2021 stats are out!

Click here for Markham, ON.

Click here for Vaughan, ON.

Click here for Richmond Hill, ON.

Have questions about how this may impact your home selling or buying decision?! Contact me!

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With so many holidays coming up, you’ve probably got some festive plans for your home – once you can track down all your decorations!

There’s nothing worse than dusting off the décor only to find the string lights tangled and the baubles broken. To help you avoid this in the future, I’m sharing some hacks for storing decorations so you can hang onto them for longer.

Here's how to keep your lights in order, wreaths clean and ornaments in one piece. You’ll never have to worry about replacing your decorations again when you store them smart!

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As the Canadian housing market continues to grow, 33% of Canadian homebuyers are breaking from tradition and exploring unconventional ways to make their entry into the market.
The group is led by Millennials and Gen Z, who make up 54% of those considering alternative ways to become homeowners with options like:
1️⃣ Renting out a portion of a primary residence
2️⃣ Pooling finances with friends or family
3️⃣ Living in a shared living arrangement.
⤵️ Click the link below for the full RE/MAX Housing Affordability Report and read about market trends across Canada.
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October 2021 stats are out!

Click here for Markham, ON.

Click here for Vaughan, ON.

Click here for Richmond Hill, ON.

Have questions about how this may impact your home selling or buying decision?! contact me!

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Do you know how to tell if cybercriminals have gone “phishing” for your personal information?

Learn to spot the red flags of a suspicious email so the identity thieves never get their big catch!

Here are some tips for identifying fake emails so you can click with confidence and keep your personal information protected. Remember these best practices whenever you run through your inbox!

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The Toronto real estate market continued to be extremely active in July but the pace has eased somewhat for now. The Toronto Regional Real Estate Board (TRREB) reported sales of 9390 homes a 19.9 % drop from July 2020 and overall inventory was down more than 35%. Keep in mind that by summer of 2020 the pent-up demand from the early months of the pandemic was emerging at full throttle. July’s supply of listings was not enough to ease the tight market conditions so the significant level of multiple offers continues.

The combined average selling price in July of all types of homes, freehold and condo, came in at $1,062,256 which is 12.6% higher than 1 year ago. The detached market segment led the way in terms of price growth and continued to be driven by sales in the suburban regions surrounding Toronto. On a seasonally adjusted basis, the average price was up by 0.9 per cent compared to last month.

The annual rate of price growth remains in double digits but has moderated since the early spring. All this is still without the benefit of open borders which may begin to impact the market as fully vaccinated immigrants arrive in the coming weeks. This will put additional pressure on pricing and inventory. Our government needs to streamline its approach for new developments and renovation applications to help ease the inventory situation in the GTA. Financing rates remained stable as the Government of Canada seems content to leave things as they are. Rising cost of construction materials and labour are all factors expected to keep prices increasing for the foreseeable future.

The advice today is not much different than over the last few months. If you’re thinking of buying or selling, or know someone who is, please know that I am here to help. Let my real estate experience guide you through the process and my business experience negotiate the right deal for you.

Remember, putting clients’ interests above mine is a priority while providing professional guidance and protection in one of the largest financial transactions clients will ever make. I am always available to help you and grateful if you have someone you care about to refer!!

Have a great rest of the summer and stay safe.

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Final phase of The Thornhill Condos-The Boulevard, at Beverley Glen & Bathurst by Daniels & Baif has just been released. Contact me today for VIP access and further information. 

Click here for further information!

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