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East St Paul – 35 Clearwood Cove

Price Reduction on this Beautiful Home

A Luxurious, Executive, custom built home of this caliber, with these innumerable features and a walk-out basement, rarely becomes available.

The location of this home is optimum, giving you the best of both worlds. It is close enough for you to be downtown in under and far enough from downtown to offer an almost .5 acre property, fully landscaped with fruit trees backing onto a creek with walking trails that go on for miles. It is just like having your own personal resort.

All replaced & refinished gleaming hardwood flooring thru-out. Newer spa themed MB en-suite. Double & triple sided Fire Place’s. 7 skylights.Custom built-ins almost every rm, double oven, repainted interior, & newer furnace, A/C, Hot Water Tank, 3.5 car garage with overhead door also toward backyard. Also newer upper deck membrane Laundry. appliance, cook-top, overhead garage door openers, dishwasher, under gr sprinkler system. Gas Magic Chef built in BBQ (2011), newer Hot Water Tank, High-eff furn,every rm has walk-in closet- too much to list

View out feature sheet for 35 Clearwood Cove 

Follow the link for more information on this Home by clicking on the link : 35 Clearwood Cove

Realtor Rosalie from  Ethos_Realty will show you this home by setting up a showing. Follow the Link for Showing

Elegant home situated, neighboring historic Peanut Park in Cresentwood /River Heights.

Stately and solid with beautiful woodwork. Unique open spaces with an abundance of natural light in this elegant home. Ideally situated, neighboring historic Peanut Park in Cresentwood /River Heights. 70 Kingsway

Grand, designer-influenced entrance with multiple, leaded glass French doors. Spacious living and dining rooms with gorgeous quarter-cut dark oak hardwoods. Living room leads into a comfortable 4-season sunroom. Large eat-in kitchen beside bar with granite counter.

70 Kingsway 70 Kingsway 70Kingston0027 70Kingston003270 Kingsway

Delightful mezzanine family room with vaulted ceilings and classic brick, wood-burning FP with expansive windows with wide oak trim. 3 fireplaces. 4 Large bedrooms & 2 baths on 2nd level

Follow the link for more information on this Home at  70 Kingsway Ave by clicking on the address.

Winnipeg Realtor Real Estate News — Winnipeg Real Estate Market December 2015 Sales Up 4%

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December Sales Up 4%

WINNIPEG –   2015 finished on a strong note.  Following on the heels of a record sales month for November, December sales of 642 were up 4% from last December. They are the third highest for this month, and are only behind the best sales years ever by a very modest amount.
“It is really quite remarkable how close our year-end sales have been in the last few years including our highest sales year in 2007,” said WinnipegREALTORS® outgoing president David MacKenzie. “They all tend to hover just above or close to the 13,000 level and in percentage terms we are only talking a little over 1% when we compare the 12,927 sales recorded this year to the 13,079 in 2007.”
While sales and even prices have shown consistent and similar results, listings have not chartered the same path. The number of listings entered on the MLS® were 24,603 in 2015, up 7% over 2014, and 41% over the 10-year average of 17,433. With an increase in listings but sales remaining consistent, the market’s inventory has also been rising month to month. This is borne out in having over 5 months of inventory available going into 2016.
“Buyers are in a great position to take advantage of a current market which is providing a large number and array of properties for sale and ones which remain some of the most affordably-priced in the country,” said Mackenzie. “Sellers need to take heart knowing WinnipegREALTORS® is still enjoying one of the best sales years it has ever had. They need to be aware however that more competition for those sales creates more downward pressure on prices since supply is outstripping demand.”
An indicator of stiffer competition for selling your home is evident when you see the number of single family home sales selling below list price.  Properties below list accounted for  65% in 2014 but now represent 75% of the market in 2015. In December alone 87% of all single family home sales sold below list price. Of the single family or residential-detached listings which sold in 2015, on average they achieved 98% of the total list price.
When 2015 was all said and done a new MLS® dollar volume record was established at $3.5 billion. This resulted in a 2% increase over 2014. Despite sales being higher this December from December 2014, dollar volume actually fell 2.89% when compared to December 2014.
It was a tale of different stories when it came to the two primary MLS® property types. Residential-detached performed exceedingly well with sales and dollar volume up 3 and 5% respectively in comparison to 2014. On the other hand, condominiums never recovered from an unexpectedly poor first quarter where sales were off by 20%. By year end this deficit was cut in half but nonetheless represented a 10% decrease compared to 2014.
The average sales price for residential-detached was $293, 992, a 2% increase over 2014. The average condominium sales price showed a 1% decrease from $239,171 in 2014 to $236,204 this year.
Residential-detached represented nearly 3 out of every 4 properties which sold on MLS® in 2015. Condominium market share was 12.5%. 25% of residential-detached sales in 2015 happened outside Winnipeg in the capital region. The southwest quadrant of Winnipeg was second with 19% of total sales.
The most active price range for residential-detached sales in 2015 was $250,000-$299,999 (22% of total sales), followed by the $200,000-$249,999 (17%) and the $300,000-$349,999 (14%).  Average days on the market for residential-detached sales was 33 days, 3 days slower than 2014. The highest-priced residential-detached sale was $2.7 million. The least expensive sale was $8,000.
The most active price range for condominiums in 2015 was $150,000-$199,999 (30% of total sales), followed by the $200,000-$249,999 (20%) and the $250,000-$299,999 (18%). Average days on market for condominium sales was 49 days, 9 days off the pace set in 2014. The highest-priced condominium sale was $950,000. The least expensive sale was $57,000.
Looking ahead to 2016, Manitoba’s GDP is expected to increase to 2.3% which is an improvement over the expected increase of 2.0% in 2015. In keeping with one of the country’s best GDP’s, Manitoba’s employment is forecast to grow by 1.6% in 2015 and 1% in 2016. This will keep its unemployment rate below 6%. Manitoba had Canada’s second highest population increase of 1% in 2015.
“While we do have an abundance of listings to work our way through at the beginning of the year, the good news is Winnipeg’s and Manitoba’s economy is performing relatively well,” said MacKenzie. “A most recent survey by CIBC shows Manitobans are most confident about their state of finances so this is another positive indicator that they will continue to take advantage of an excellent selection of properties for sale at some of the most affordable prices in the country.”
Established in 1903, WinnipegREALTORS® is a professional association representing over 1,850 real estate brokers, salespeople, appraisers, and financial members active in the Greater Winnipeg Area real estate market.  Its REALTOR® members adhere to a strict code of ethics and share a state-of-the-art Multiple Listing Service® (MLS®) designed exclusively for REALTORS®. WinnipegREALTORS® serves its members by promoting the benefits of an organized real estate profession.  REALTOR®, MLS® and Multiple Listing Service® are trademarks owned and controlled by The Canadian Real Estate Association and are used under licence.

Mortgage Rates for Dec 8, 2015 — By Peter Paley


Peter Paley - Your Home and Mortgage Peter Paley

Come visit Realtor Rosalie Drysdale Website each week for my weekly Mortgage Rates.

Whether you are looking to purchase, refinance, or renew, we can help you decide whether a fixed or variable-rate mortgage will work best for your situation. Call today!
At Invis, we are always aware of the current environment and resulting implications, so at any time we can recommend a mortgage that gives you an edge and meets your current needs and future goals.
We regularly receive short-term rate promotions that are not posted online, which means our rates change frequently. Please contact us for these unpublished rate specials.


Posted Rates

Our Rates

























Rates are subject to change without notice. OAC E&OE

Prime Rate


5 yr variable


Looking at Purchasing that New Home, Needing a Mortgage,

Whatever your need is today – first or next home, renewal, refinance, renovation financing, equity take out, business–for-self mortgage, investing in property or a second/vacation home, contact us for a review of your situation, and the advice you need to achieve your homeownership dreams. After all, the right mortgage can build your wealth and save you thousands of dollars

Every single day we’re making homeowner dreams come true. And we’re here to help you.

Contact Peter Paley at Invis Mortgage


Peter Paley Mortgage Associate Send an EmailVisit Website


Six ways to boost your credit score — From Peter Paley Winnipeg Mortgage Broker

Six ways to Boost your credit - nov2015
Six ways to boost your credit score
Your credit score is essentially your passport to financial opportunities. With a possible range of 300 to 900, your number tells lenders what kind of a risk you are likely to be as a borrower.
A low credit score can prevent you from getting the lowest mortgage rate, or even from getting a mortgage at all. That’s why it’s important to know the six credit behaviors that can keep your score high, or give it a boost!

  1. Know what you’re working with. Get a copy of your report and see what your lender sees. Credit reports can be ordered for free through the mail or, for a small fee, online at www.equifax.ca
  2. On time, all the time. The single biggest factor in your credit score is having a timely bill payment history. Start today with a commitment to never let a bill get past due.
  3. Know your limits. Your credit score is based on your balances relative to your available credit. Look at your credit limits and try not to use more than half of the available amount.
  4. A longer history is better. Don’t cancel your oldest credit card. In fact, get advice before you cancel any cards. A long steady history of using cards responsibly demonstrates trustworthiness.
  5. Be selective. When you’re asked “would you like to apply for our Store Card to save $X dollars on your purchase?” Don’t do it. These pitches can be a credit pitfall. Regularly looking for more credit will flag you as a potential credit risk.
  6. Keep it balanced. Creditors like to see that you can handle a wide variety of credit types.

I would be happy to review your situation. If you need to improve your score, I can outline your best options for credit improvement. If you want to get a mortgage while you work on bettering your score, I can also advise how that may be possible.


Financial Comfort & Joy

It’s tempting to overspend at this time of the year so take a quick assessment of your financial situation before you get started on your holiday shopping. It can help make sure you don’t suffer from “plastic shock” when your credit card bills arrive in January. Are you carrying too much credit card or other high interest debt? Are you struggling to keep up with your monthly obligations?

If so, it might be worth having a conversation about streamlining your finances now, before the holidays are upon us. You may be able to take advantage of today’s great rates to consolidate your debts into a smart plan with sensible payments. If you are worried that your locked-in mortgage means your options are limited, I can do a quick review.
There’s a good chance the savings each month will far outweigh any penalties. Give me a call. I love to help at this time of year. Financial comfort and joy: what a wonderful gift!
paley mortgage team feb 2015


Peter Paley Mortgage Associate Send an EmailVisit Website


10 Reasons why a mortgage is declined – From Jackie Woodward Edmonton Mortgage Broker

Qualifying for a mortgage should not be complicated, and there are numerous articles written about how to get approved. This week I want to cover a few reasons why a lender could decline a mortgage application. If only one of the below applies, it’s very likely you can still get a mortgage. However, when your financial profile fits under more than two of the categories below, it could be more challenging for you to obtain mortgage financing approval.

  1. Thin credit

A reliable indicator of a good solid credit score is two years history of reporting on at least two debts. If an individual is short on reporting accounts, some lenders may consider alternative documents to support positive repayment habits. Six months of cell phone payments, car insurance or utility payments could be requested to demonstrate credit. If unable to show any history of past debt repayment, you may have to provide a larger downpayment or be asked to bring on a strong co-signer.

  1. Poor repayment habits

If a borrower has weak repayment skills, the potential lender will be looking for strength in other areas of the application to confirm mortgage payments will be made in a timely manner. Dependable income source(s), a larger investment through increased downpayment, and/or a co-signer can all add strength to an application with a bruised credit component.

  1. Downpayment source

Lenders become a little wary of borrowers purchasing a home using a downpayment solely sourced from gifted or borrowed funds. The rationale behind it seems to be that it is easier to walk away from a property when there is no investment of personal cash into it. It’s not surprising when a lender requests a portion of the downpayment come from the borrowers own resources before an approval will be extended.

  1. Lack of supporting documents

Mortgage lenders must have sound lending practices and one way they do this is through the collection of documents proving a borrower adequately qualifies to successfully repay mortgage financing extended to them. If a borrower cannot provide paperwork confirming their financial picture that is acceptable to the lender, they are usually referred to an alternative or private lender that has fewer requirements.

  1. Borrowing too much

Too much mortgage is not a good thing. Lenders have preset qualifying guidelines which prevent lending borrower’s amounts where they can’t afford the payments. If attempting to borrow more than they can repay, a lender may request a larger downpayment to make the mortgage amount more manageable or decline the application for lack of affordability.

  1. They don’t like the property

Unique properties tend to create problems in the eyes of a lender as they are looking to lend on properties that appeal to larger demographics. Age restriction, partial commercial component, previous grow-ops, black mold and mobile homes are features that could prevent a property from getting the stamp of approval. If you’re interested in a property that does has some unique features, run it by some potential lenders before you submit an offer to ensure there are financing options available to you. 

  1. They don’t like the location

A property located in an isolated area far away from a major city center can also present some financing challenges as not all lenders like all locations. If looking to buy in a remote area or community, ensure all other features of your mortgage application are strong.

  1. Overextended

Owning a home can be expensive, there are closing costs when you buy, potential repairs after you own and ongoing maintenance which keeps costing you money. As a result of this, lenders will be looking for a borrower to have the ability to cover these expenditures. If maxed out on all available credit lines and using up all savings for downpayment, the lender may be concerned about the lack of funds leftover after purchasing a home. Increase the likelihood for mortgage success by always keeping some money in a savings account, and make sure to avoid an unmanageable debt load.

  1. Lack of home equity

When purchasing a home to owner occupy, a minimum of 5% downpayment is required and 95% of the purchase price can be financed. However, if you are considering refinancing a property you already own, you can only borrow up 80% of the home value less any existing outstanding mortgage balances. Having said that, there are some private or alternate lenders who may lend you more than 80% of the current value though the interest rate will likely be higher and there could be upfront fees charged as well.

  1. Honesty is the best policy

Intentionally falsifying documents or application details will most often result in an immediate decline from the mortgage lender. Whether it’s at the beginning of the transaction, or days before closing when signing documents at the lawyer’s office, the lender has the right to withdraw their financing approval if any misrepresentation is discovered at any stage of the mortgage process.
It’s not difficult to get a mortgage if your financial profile fits into the right boxes as there is a combination of guidelines that must be met in order for a borrower to be eligible for a mortgage approval. Property, income, credit, net worth, and mortgage amount compared to home value, are just a few of the most important details considered when reviewing a potential mortgage application.
Increase chances of an approval by being a low risk borrower with a strong financial profile. Working with an experienced mortgage professional who has access to multiple mortgage lender options also increases the likelihood of a positive response.
Are you looking for mortgage information? Contact Jackie at 780.433.8412 or info@mortgagegirl.ca. Stay in the loop by following on Twitter @mortgagegirlca.
Source: Jackie Woodward Mortgage Broker

Message from Realtor Rosalie Drysdale

Coming to the end of your term with your mortgage, needing to resign for the next five years. Contact one of the Mortgage Brokers from my website


Contact one of the Mortgage Professional below to help you with the progress and let the Mortgage Broker know who referred there services to them.

How to overcome home buying obstacles

(NC) Whether you’re a first time home buyer or experienced in the world of home ownership, there are plenty of unexpected challenges you’ll have to overcome in this process.
According to the 22nd Annual RBC Home Ownership Poll,
choosing the right property (35 per cent) tops the list of challenging decisions home buyers experience, followed by deciding how much you can afford (21 per cent) and getting a home inspection (10 per cent).


RBC offers the following tips:


• Find the ‘right’ property: Research everything from the type of property you want, to location, to the condition of the home. Know what trade-offs you are willing to make.


• Understand the total cost: Calculate both one-time costs such as down payment, appraisal and legal fees, and ongoing costs such as mortgage payments, utilities, maintenance. Balance those costs against your lifestyle.


• Do a home inspection: Be aware and ask questions, and know the full condition of the home before closing the deal. What you learn in advance could help you save money and ensure you pay the right price for your home.


More information is available at www.rbc.com/firsthome.


Source: www.newscanada.com


Message from Realtor Rosalie Drysdale

Coming to the end of your term with your mortgage, needing to resign for the next five years. Contact one of the Mortgage Brokers from my website
Contact one of the Mortgage Professional below to help you with the progress and let the Mortgage Broker know who referred there services to them.


Four Bedroom Home at 315 Waverley Street, Winnipeg

315 Waverley St-1

One of River Height’s Best Streets. Long time owner. Excellent family home. 4 large bedrooms upstairs. 2 full bathrooms.

315 Waverley St-3 315 Waverley St-4

Wide HARDWOOD staircase to 2nd floor. Mezz. balcony. Beautiful living room – tons of daylight through large windows. Wood burning Fire Place with mantel.

315 Waverley St-7 315 Waverley St-8 315 Waverley St-10 315 Waverley St-11

Lg dining room off kitchen plus eat-in kitchen dinette with tons of windows overlooking gorgeous backyard. All newer stainless steel kitchen appliances. Newer counter tops and new hardware on cabinets. HARDWOOD flooring throughout – in very good condition

315 Waverley St-13 315 Waverley St-14

Showings start Wednesday, Sept. 23. Offers anytime after showing start date. Call Realtor Rosalie to set up a appointment to view your new home.

315 Waverley St-28

More pictures and information on this Home at  315 Waverley Street following the link.



Duplex at 540 Stella Avenue, Winnipeg

Duplex on Stella Street (1) Duplex on Stella Street (2)

First come first served. Good revenue property. 3 hydro meters so could be converted back into Triplex. Utilities are separated. Please allow 24 hours notice to tenants. Some new upgrades to flooring and kitchen. Good size units. Easy to rent. Property is currently fully leased. Basement in very good condition.

Duplex on Stella Street (13) Duplex on Stella Street (20)

More pictures and information on this Duplex at 54 Stella By following the link. To view this property, Call Realtor Rosalie Drysdale

Duplex on Stella Street (22) Duplex on Stella Street (23)

REMAX - Rosalie For Sale Sign

Word Search Puzzle – Summer Days — from Rosalie’s Desk August 2015

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Want to download our Monthly News Letter click on the link Rosalie’s Desk August 2015

Rosalie's Desk Aug 2015

Rosalie's Desk Aug 2015 - 1