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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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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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#MidweekMotivation

Just embrace the journey you're on and always hold onto that inner child full of enthusiasm. You learn something new every day, you just have to start!⁠

Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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Having to evacuate your house suddenly for an emergency can be terrifying. The information here provides tips to help you to prepare ahead of time so you will be able to grab what you need and go.⁠

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

When did you purchase your first home? What did you take away from the experience? Have you upsized or downsized since? Share your story with me in the comments!⁠

Search for your home today!⁠

Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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Thinking of buying your first house? You may be able to withdraw up to $35,000 from your RRSP to help with the cost, and take up to 15 years to repay the amount back.

Find out if you’re eligible⁠

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

Your home is a BIG part of your life which is why it's important to create a sanctuary out of it - a space that represents and benefits you. It's no surprise that luxury properties impress but remember it's the quality of life you have that counts the most.⁠

Search for your next home today!⁠

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

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**WATCH VIDEO**

Happy to report that 161 Spring Gate Blvd is SOLD! We are delighted with the result and my clients are pleased to be moving forward. 
Inventory is still not in a balanced position so sellers you are still able to make a deal! Reach out today to learn more.

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

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You can think... and think.... and think some more, but sometimes you have to act immediately when you see exactly what you want. In today's market, homes are going quickly and frequently not without multiple offers.

Start finding your next home today by contacting me to set up a customized home search.

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

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Vaughan May 2022 stats are out!⁠ Contact me to discuss how this impacts your buying or selling decision!⁠
 
Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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It's the what if's and the maybe's that keep us from taking a step forward. It's easy to stay stuck in the cycle of planning our dreams but not acting on them out of fear and doubt.

It's good to remember that no matter the action there's a consequence (good or bad) and you'll always figure it out.

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

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RE/MAX Agents work in the communities we live in and lead the industry locally and across Canada in sales thanks to our advanced real estate education and understanding of the market. We're experienced pros, from listing to closing, and lead a network doing what leaders do best!

With our education, market experience, extended local, national, and international network, RE/MAX Agents are better qualified to help you buy and sell in Thornhill, Markham, Richmond Hill & Toronto area.

Sam Chaim, a Thornhill RE/MAX REALTOR®, understands the ins and outs of the local real estate market and will support you by providing expert advice and unparalleled service to help you buy and sell real estate for the best possible value.

Sam leverages his connections within the RE/MAX network and within his national network of agents to find higher qualified buyers more quickly. His personal branding blends with the world-recognized RE/MAX brand powerhouse creating an unbeatable marketing plan.

Whether you're buying or selling when you choose to work with RE/MAX Agent Sam Chaim you are setting yourself up to find success in the real estate market. Contact Sam today to learn more!

Sam Chaim⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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Are you buying or selling in the Toronto Real Estate Market? Does home buying and selling feel chaotic? Allow me the opportunity to help you turn that chaos into something beautiful. ⁠ ⁠

Sam Chaim⁠ - Making A Difference For You!⁠
Re/Max Realtron⁠
416-543-7252⁠
sam@samchaim.com⁠
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It's all about perception! Readjust... find the positives and allow yourself to soar!

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

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Providing and delivering quality advice, top notch marketing and relentlessly pursuing your objectives in both the Buying and Selling process is intended to get you the results you desire!

That's just for starters, because if you permit me to, I'll be around for you and those you care about long after the transaction.

If you or someone you know is looking to buy or sell in the Toronto Real Estate Market, contact me today!

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