Tag Archives: #realtorscanhelp

Four Bedroom at 104 Winslow Drive , Winnipeg

front yard 8

Pride of ownership here!! Meticulously and lovingly maintained. Peaceful and quiet location. (Vendor states – excellent neighbors) Treed lot with lots of serene privacy.

104 Winslow Bay 001 104 Winslow Bay 005

Great family hm with L.R, Family room AND a rec room. Peaceful walking path right beside home. Lots of storage. Average Heat/hydro bills are approx. $180/month. Beautiful front porch. backyard is breathtaking. Very private. Excellent family home. Close to all amenities – pretty much every kind of shopping, transportation, parks, schools. Don’t miss this lovely home!

104 Winslow Bay 063 104 Winslow Bay 064 104 Winslow Bay 067 104 Winslow Bay 072 back yard 7 back yard 11

We have More then 40 plus pictures  of this home. Follow the link for more information on this Home at  104 Winslow Drive  by clicking on the address.

back yard 17

Do not miss this great location , close to schools, shopping, great for rising a family

back yard 15

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 Please contact us for these unpublished rate specials.

Terms

Posted Rates

Our Rates

6 MONTHS

3.14%

3.10%

1 YEAR

2.89%

2.29%

2 YEARS

2.84%

2.24%

3 YEARS

3.39%

2.34%

4 YEARS

3.89%

2.54%

5 YEARS

4.64%

2.74%

7 YEARS

5.30%

3.49%

10 YEARS

6.10%

3.89%

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

Prime Rate

2.70%

5 yr variable

2.30%

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

 

Winnipeg Real Estate News – November MLS® Sales Up 9%

WinnipegRealEstateNews

PRESS RELEASE        December 4, 2015      For Immediate Release

BEST NOVEMBER ON RECORD AT OVER 900 SALES

November MLS® Sales Up 9%

 
 
WINNIPEG – Mild weather, hosting the Grey Cup, being singled out as one of the best destinations in the world to visit by National Geographic Traveler magazine, or just having a an excellent supply of terrific listings to choose from with such favourable mortgage rates, it was the first time November nudged over 900 sales in WinnipegREALTORS® 112-year history.
 
Not surprisingly, dollar volume was at its highest level too for this month at nearly $245 million and with a month to go, it is virtually assured a new annual dollar volume record will be set around the $3.5 billion mark. November also set a record for the highest-priced residential-detached or single family property sold ever at $2.7 million. It is a spectacular home and acreage nestled along the Assiniboine River in St. Francois Xavier.
 
“We have said all along this year Winnipeg is a very stable real estate market with good fundamentals supporting it,” said WinnipegREALTORS® president David MacKenzie. “November’s strong result puts us in an advantageous position to beat out last year’s solid sales performance and usher in a new annual dollar record.”
 
November MLS® unit sales of 903 represent an increase of nearly 9% over November 2014 and are the highest on record for this month. Similarly, dollar volume of close to $245 million set a new November dollar volume record and was up 12% over November 2014. Year-to-date MLS® unit sales of 12,285 are up less than 1% while dollar volume of $3.3 billion has increased almost 3% over the same period in 2014.
 
Listing supply continues to be elevated with 4,377 available for sale at the end of November. This total is only a 5% increase over last year but is significantly more in percentage terms over some previous years when there were well under 3,000 properties for sale.
 
“Higher levels of listings, particularly in a property type where there are not as many sales each month, can put downward pressure on pricing given the heightened competition for buyers”, said MacKenzie. “This is why it is so important to talk to your REALTOR® about your property type in the context of the current market. Where do you price your property best based on supply, location and competition within your price range segment?”
 
The 5 months of MLS® listings supply available at this time tilts more towards a buyers’ market. As a result it puts more of a premium on vendors to do everything possible to place their property in its most positive light to sell given the stiff competition which exists.
 
As for the status of different MLS® property types heading in to the final month of the year, residential-detached or single family homes which represent 3 out of every 4 homes sold so far in 2015, are ahead 3% in sales activity and 2% in average sales price in comparison to the same period in 2014.  The average sale price is $294,973.
 
Condominiums which got off to a real slow start at the beginning of the year have recovered to some extent but are still off 11% from 2014. Their average sales price of $236,947 is down less than 1% from last year. Condos are the second most active MLS® property type with 12% of total market share.
 
An affordable alternative to single family and condominium properties is single-attached. They have increased nearly 8% in sales this year and experienced an average sale price rise of over 3%. Their average sales price is $226,860. This third most active MLS® property type only captures 3% of the total MLS® market. Vacant land sales are slightly lower in activity but similar in percentage terms.
 
The most active price range in November for residential-detached sales was $250,000- $299,999 (22% of sales), followed by the $200,000- $249,999 (18%) and $150,000 -$199,999 (12%) and $300,000-$349,999 (12%). Average days on market for residential-detached sales was 41 days, a week slower than November 2014. The highest-priced residential-detached sale was $2.7 million. The least expensive sale was $49,000.
 
The most active price range in November for condominiums was the $150,000-$199,999 (29% of sales), followed by the $100,000-$149,999 (19%) and the $250,000-$299,999 (18%). Average days on market for condos was 49 days, 3 days off the pace set in November 2014. The highest-priced condo sale was $587,932 and the lowest sale price was $101,000.
 
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.
 
Residential  Detached Sales Chart November 2015 Residential  Detached Sales Market Comparisons November 2015

Get to know a little real estate language

 

(NC) There are many terms you’ll hear real estate professionals use during your home buying process. While there are too many to list, these are a few you’ll surely hear at least once:

 

Amortization: The number of years it takes to repay the entire amount of a mortgage.

 

Buyer Agency Agreement: Establishes a formal and exclusive relationship between the potential buyer and the broker and its representatives.

 

Closing Date: The date on which the title and keys to the property are transferred from the seller to the buyer, and the money is paid.

 

More information is available at www.wedothehomework.ca.

 

Source: www.newscanada.com

3 things that do or don’t change with a Bank of Canada rate cut

paley mortgage team feb 2015

 

 

Your Home & Mortgage
 
When you’ve got “rate envy”, does it make sense to refinance?Who would have believed that mortgage rates would have such a continued downward trend? Mortgage shoppers are looking at some of the lowest rates in history, and many homeowners with existing fixed-term mortgages are experiencing some “rate envy” about today’s rock bottom rates.It might be worth a conversation about your options.
 
Typically, we think of a fixed term mortgage as a non-negotiable contract. And it’s true that there are financial penalties to re-negotiate. But, many clients have been asking for a mortgage analysis – a detailed look at the penalties versus the payoffs – to determine whether it’s worth refinancing.
 
What does it cost to get out of your existing mortgage? Generally, you can expect to pay the greater of either a) three months’ interest, or b) the interest-rate differential. The interest rate differential can be high in some cases; your mortgage lender will expect you to pay them the equivalent of what they will lose by releasing you from your mortgage and lending the money at current rates.
 
So is it worth it? For some homeowners it can be an important moment of opportunity, while for others, it may not be worth the costs involved. Most lenders will include the cost of the payout penalty and other costs into the new mortgage so you don’t have to be out of pocket to complete the transaction.
 
I would be happy to help you make a realistic assessment of your situation and help you determine if your benefit outweighs the cost. With rates where they are today, there’s never been a better time to talk.
 

3 things that do or don’t change with a Bank of Canada rate cut

  1. The prime rate in most cases will change, but lenders decide how much of that cut they will pass on to consumers, if any. If you have a variable mortgage, you are now paying less; sixty per cent of the two recent cuts are now reflected in lower variable rates. Take advantage and keep your payments the same so you pay off your principal faster.
  2. Fixed rates don’t, they are influenced by the bond market.
  3. Variable mortgage approvals don’t, they are based on a qualifying rate, which means your borrowing power likely won’t increase.

 
Thinking of falling into home ownership?
 
Let me help determine how much home you can afford and pre-approve you before you start shopping. We’ll also discuss downpayment options and all of the costs associated with buying a home. Don’t be tempted to rush into anything just because the holiday season approaches so quickly. It’s best to make sure you find the right house and stick with your budget. If you are thinking of jumping into homeownership this fall, let’s have a conversation!
 
Peter Paley new logo june 11,2013
 
Peter Paley Canadian Mortgage Award 2015

Best Deals in Real Estate 2015: Overview

An in-depth look at the top cities—and neighbourhoods—to buy in across Canada
by Romana King and Mark Brown
March 11th, 2015

From the April 2015 issue of the magazine
Thinking about buying real estate in Canada this year? Get ready for a carnival. But instead of using bright lights and loud noises to distract would-be customers, the housing market relies on ever-increasing prices and the promise of future wealth to entice and awe.

Leaving a carnival a few bucks short isn’t a big deal, but make the wrong choice in today’s housing market and you could end up in a scary financial place, as sky-high prices continue to climb. Consider the Toronto market: Despite predictions the market would finally cool, sales in Canada’s largest city surged dramatically in the first two months of 2015, with the average home price jumping more than 10% year-over-year.

In a high-stakes market it’s tough to find advice you can trust, but we can help. We know most buyers are primarily concerned about two main things: They don’t want to overpay for their house, and they want to buy in an area where housing prices will keep rising after they buy.

To help you find these rare locales, we developed a proprietary real estate rating system. First we take a long hard look at housing prices in a given area, to make sure homes are reasonably priced compared to those in surrounding areas. Then we look at housing price trends to find places where home prices are most likely to keep rising in the years to come. In the pages that follow, we first apply our ranking system to Canada’s 35 largest cities. Then, for the big four—Vancouver, Calgary, EdmontonToronto and Montreal—we drill down deeper, rating every single neighbourhood in each city, so you can find exactly the right place to buy now.

Ranking the top 35 cities

To rank Canada’s largest 35 cities, we collected data from the Canada Mortgage and Housing Corporation, Environics Analytics and other sources in four categories: value, momentum, economic strength and rental income potential. These metrics helped us find cities where homes are reasonably priced, but where the economy is strong enough to ensure that prices will continue to rise.

We want to make sure you don’t overpay for your home, so we started by comparing average rent to average home prices in each city. Experts agree that if a city has a high price-to-rent ratio, then the market is overpriced. Then, we examined each city’s housing affordability. Taking into consideration local wages, we calculated how many years of average household income it would take to buy a typical family home.

Next, we set out to find markets where prices will continue to rise. We looked at whether the real estate market was balanced or not using the sales-to-listings ratio, which measures the balance between supply and demand. If a market has more demand than supply, we know it’s a seller’s market, and prices will likely go up. We also examined how fast home prices have risen over the last year and over the last five years, and how much rents have appreciated over the half decade, as rapidly rising rents indicate a community with a pent-up demand for housing.

After that, we turned our attention to each city’s local economy. By analyzing unemployment rates, gross domestic product estimates and discretionary income levels, we were able to get a read on the local economic strength of each region—important because house prices will only go up if local residents can afford to pay them.

Finally, by ranking each city’s five-year rent appreciation rates and matching that with each city’s current vacancy rate, we were able to rank the rental income potential for each city. This is helpful because a low vacancy rate indicates pent-up housing demand, as well as a strong rental market.

Like the carnival barker’s promise of good news, we’re confident our research will cheer up any house hunter. But we should offer one caution: while our system does a good job of crunching historical data, it can’t factor in rapidly changing situations, such as a sudden housing crash or, as we’re currently seeing in Calgary and Edmonton, the effect of a sudden drop in oil prices or other local economic shock. In markets where things are changing rapidly, you should do your own research and use our recommendations with care.

Canada’s top neighbourhoods

We know that most home buyers aren’t looking to move to a different city—they just want to find the best local neighbourhood to move to. So next we turned our attention to ranking every neighbourhood in VancouverCalgaryEdmontonToronto and Montreal to find out which areas offered the most value and growth potential.

To determine neighbourhood value, we compared the average home price in each neighbourhood to the average home price in the surrounding area, the metro district, and, finally, in the greater municipality.

But sometimes a neighbourhood is cheap for good reason. We wanted to avoid stagnating, depressed neighbourhoods with poor local economies and social problems, so, as we did for the Top 35 Cities list, we also examined neighbourhood price appreciation over the last five years. The stronger the overall appreciation, the higher these neighbourhoods ranked.

Finally, we wanted to analyze those intangible qualities that make for an enjoyable place to live. Things like the quality of the local schools, community feel, access to transit, and even how easy it is to get a good cup of coffee. For that we turned to our panel of experts. Zoocasa is a national real estate brokerage owned by Rogers (which also owns MoneySense) with a mandate to help home buyers find top-notch realtors. They helped us put together a panel of 10 to 60 local real estate experts in each of the four cities, who helped rank the desirability of each city’s neighbourhoods.

One final note. In the Montreal and Calgary neighbourhood rankings we used average home prices, as supplied by their respective real estate boards. The prices used for the Greater Vancouver and Greater Toronto areas, however, are benchmark prices. Known as the Home Price Index (HPI), this price provides a less volatile measure of average home prices as it eliminates the very expensive or very inexpensive home sales in a neighbourhood—sales that can quickly throw off an average.

When ranking the top neighbourhoods not all metrics were weighted equally. Read our full methodology.

SOURCES: Canada Mortgage and Housing Corporation; Canadian Real Estate Association; Environics Analytics: WealthScapes 2014.

Source: MoneySense

We would like to thank national licensed real estate brokerage Zoocasa for making its experienced realtors available for our expert panel.

 

Going pro – the benefits of using a Realtor

By Mark David  Mark David
 
When you hire a Realtor, you’re benefiting from the wealth of knowledge he or she has when it comes to buying and selling homes. Many may argue that a Realtor’s job is never done – they are constantly keeping up-to-date on new studies and keeping abreast of trends, statistics and selling techniques.
 
Real estate in Canada is governed by the Canadian Real Estate Association (CREA) and within that there are provincial governing bodies; further to that there are individual boards. All of these governing bodies have rules, regulations and codes of ethics that Realtors must adhere to. Realtors are responsible for constantly upgrading their knowledge and skills in order to maintain their status within their respective boards.
 
In addition to the educational component, Realtors are not nine-to-five employees – in fact, their devotion and commitment to selling houses reaches far beyond the ‘For Sale’ sign.
 
“Often sellers don’t realize the time commitment, and more importantly, the ability that comes with selling a property,” says Anna Michaelidis, sales representative and certified staging professional with Toronto’s Royal LePage Urban Realty. “Hiring the services of a professional Realtor means having someone, with the right skills and tools available seven days a week for as many hours as required. Proper pricing, preparing your home, showing and qualifying prospective buyers, negotiating price and terms as well as dealing with inspections, appraisals, financing and legal issues are only some of the key factors in executing the sale of a property in a legal fashion.”
 
Furthermore, Realtors also earn their commission by providing a number of services that a FSBO (For Sale By Owner) company doesn’t include – and that a lot of home sellers might not even think of.
 
“At Priscilla and Company Re/Max Vernon, we have a professional photographer who produces slide shows and videos, we have a qualified gentleman who accurately measures each home and draws floor plans for each home, we maintain our own personal websites complete with pictures, floor plans and specifications,” says Priscilla Sookarow, Priscilla and Company at Re/Max Vernon. “We have team of technicians working to keep our website front and centre. We participate in numerous other websites to ensure maximum global coverage, we advertise regularly in the local paper, MLS publications and various other media. We do a lot of research, visiting city and regional district offices to obtain maps, verify zoning and address building and environmental issues. Basically we strive to have the answer for any question a prudent buyer might have when they are viewing one of our listings.”
 
Top-producing Realtors also work niche markets, such as high-end homes, certain neighborhoods and investment properties – something you won’t find with FSBO companies.
 
“As such, their familiarity with their market places gives them exponentially more information about market values and connections to buyers than sell-your-own companies,” says Mike Milovick, sales representative for Prudential Grand Valley Realty. “I know, in my market place, no other seller has been involved in over 400 successful negotiations and has personally seen more than 4,000-plus properties I have been through. This experience is what a seasoned Realtor brings to the table.”
 
And, according to the statistics, all of this experience and hard work pays off – at least for the home seller.
According to Lind, the median home price for sellers who used an agent was $211,000 versus $153,000 for a home sold directly by an owner.
 
Getting a pro
 
The reason home sellers hire professional Realtors is much the same reason why we go to the dentist for a root canal or a mechanic to fix our transmissions – some jobs are just best left to the pros.
 
“How often have you heard the expression, ‘a man who represents himself in court has a fool for a lawyer,’” says Michaelidis. “Being represented by a professional makes all the difference.”
 
Realtors undergo extensive training and mandatory continuous education. They adhere to a strict code of ethics and standards of business practice. Realtors are monitored and protected under legislation from all levels of government because the buying and selling of property is a strict legal transaction; and when not done within the boundaries of the law, carries strict ramifications.
 
“Very few sellers would be acquainted with the appropriate laws or logistics of carrying out this execution properly – even with the assistance of a lawyer,” says Michaelidis. “Speaking of which, without a Realtor to ensure that all the elements are properly covered, a lawyer could easily overlook aspects of a deal, which may include peculiar details. This has been known to happen.”
 
FSBO sellers may think they’re scoring a deal by selling their home privately since FSBO companies advertise packages from $129 to $729. However, some FSBO sellers may not take into consideration the other expenses they’ll occur such as hiring a lawyer to prepare and review offers as well as hiring home stagers – a vital component to effectively selling a home.
 
“Home staging is one of the many services I offer home sellers and it is very costly,” says Lind. “Also, if it’s not done properly, it will not have the lasting impression that you want a potential home buyer to have.”
 
According to Lind, lawyer fees can run from $250 to $2,000 (depending on the extent of the offer), which is on top of the fees involved to close the deal. Home staging can cost even more.
 
“I’ve had a home staging quote for $9,000 as the home needed substantial work and furniture to be rented,” says Lind. “The typical fee just for a staging consultation is around $250 and the hourly rate is anywhere from $50-$125 per hour.”
 
Security is also a big factor that a lot of FSBO sellers don’t necessarily think about.
 
When a FSBO sellers hosts their own open houses, they really have no way of knowing what people are coming into their home; whereas when using an agent, all appointments are booked with brokerages and logged so that they know who came through their home and at what time.
 
“Theft is a potential problem,” says Lind. “Valuables such as jewellery, DVDs, video games and video game controllers have been known to be stolen (in FSBO open houses).”
 
Is the grass greener in FSBO sales?
 
When considering selling a home privately, FSBO sellers also have to consider how they will be perceived by consumers.
 
One of the possible negatives that might rise from consumers is that many home buyers don’t want to deal with FSBO sellers.
 
“The consensus is that the sellers are ‘fishing,’” says Milovick. “They’re overpricing their homes, advertising that they are not paying a Realtor commission and that they are simply not serious in selling. Consumers are also reluctant to deal with private sellers because they feel that if the property is not properly listed with a brokerage, there must be something to hide.”
 
Not wanting to buy a home directly from a seller also applies if the seller is a Realtor him or herself.
“They often feel awkward about approaching the seller/listing agent directly,” says Eric Klimstra, sales representative for Prudential Grand Valley Realty. In fact, when Klimstra wanted to sell his own Cambridge, Ont. home he even hired a Realtor even though he was more than qualified to sell the home himself and could have saved paying the commission.
 
“I chose to hire the best team in town to sell my house,” says Klimstra. “They knew the market more intimately that I did (even though I lived there for four years) and I knew that they would act as professionals and take the emotion out of the pricing and negotiation.”
 
Buying and selling a house can be an emotional venture. Certainly, as an investor, you’ve already been taught not to bring emotion to the negotiating table. Realtors can help ensure you don’t.
 
“It is simply impossible for a seller to have an objective eye towards their own homes,” says Michaelidis.
 
“Buyers are typically more attracted to a neutral environment so that they can see it themselves with their own tastes, should they purchase the listing. Needless to say, Realtors are in a better position to assess the home for the ability for the design and décor to be attractive to the broadest range of potential interest.”
 
In addition, says Milovick, FSBO sellers have a harder time co-ordinating viewings and receiving information back, which has a detrimental effect on their sale.
 
“Anything that delays the buyer’s purchase decision, leads to more time on market,” says Milovick. “I have had buyers seriously consider private sales, but their interest has been diverted to other properties as the seller was too slow to get back to them.”
 
Cost breakdown
 
Realtors can make a good chunk of cash on a sale of a home, but what some home sellers may not realize is the money they put out upfront in order to do their job.
 

Realtor’s Expenses

 
Professional Staging Consultation = $300 – $1,000
Interactive Virtual Tour = $100 – $300
Professionally Measured Floor Plans = $200
High Quality Wide-Angle Photographs = $100 – $300
Full Colour Glossy Feature Sheets = $200
Eye Catching Signs, Direction Arrows = $600
Catered Agents Open House = $150 – $300
Convenient Lockbox = $50
1-Day Ad in Local Paper = $250
 

The top questions to ask before choosing your Realtor:

 
Chad Bradley, sales representative with Coldwell Banker Terrequity Realty, Toronto, gives you the run-down on the questions to ask to ensure you pick the right Realtor.
 
How long have you been in the business?
What area(s) do you focus on?
What type of clients do you focus on? First time home buyers, investors?
What are your business standards? To return phone calls, e-mails, etc.
For sellers, do you have a proven marketing plan? Can I see it?
What sets you apart from other agents?
For investors, can you show me examples of what type of ROI your clients have experienced?
If I am not happy with your services do you offer any kind of guarantee?
 
Source: WhichMortgage.ca

Mortgage Rates for February 16, 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.

Terms

Posted Rates

Our Rates

6 MONTHS

3.14%

3.10%

1 YEAR

2.99%

2.69%

2 YEARS

2.94%

2.39%

3 YEARS

3.44%

2.54%

4 YEARS

3.94%

2.64%

5 YEARS

4.79%

2.74%

7 YEARS

6.04%

3.39%

10 YEARS

6.50%

3.84%

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

Prime Rate

2.85%

5 yr variable

2.20%

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

 

Mortgage Rates for January 6, 2015 — By Peter Paley

                                          

Peter Paley - Your Home and Mortgage Peter Paley

Happy New Year 2015  to everyone. If you are in the market for a new mortgage, needing help on getting the best rate for your needs, Look no forward then to the Peter Paley Mortgage Team.

Looking at Purchasing that New Home, Needing a Mortgage,

Contact Peter Paley at Invis Mortgage

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.

Terms

Posted Rates

Our Rates

6 MONTHS

3.14%

3.10%

1 YEAR

2.99%

2.69%

2 YEARS

2.94%

2.59%

3 YEARS

3.44%

2.69%

4 YEARS

3.94%

2.87%

5 YEARS

4.79%

2.94%

7 YEARS

6.04%

3.79%

10 YEARS

6.50%

4.39%

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

Prime Rate

3.00%

5 yr variable

2.40%

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.

 

Peter Paley Mortgage Associate Send an EmailVisit Website