Tag Archives: rosalie drysdale

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.

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

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

2015 SALES SOLID WITH PRICES HOLDING FIRM
–           –           –
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.
 

Insuring your mortgage: Analyze the costs, benefits

(NC) When you go to your lender for a mortgage, they may ask whether you want to insure your home loan with an array of optional financial products to make your home ownership more secure. But this comes at a price.

 

These products include mortgage life insurance, mortgage disability insurance and title insurance.

 

Your lender must provide easy-to-understand information about these products; it’s up to you to read it and ask questions to ensure that you understand your options.

 

You do not have to buy any of these three types of insurance to get your mortgage. In fact, financial institutions may not pressure customers to buy life, disability or title insurance in relation to a mortgage.

 

Mortgage disability insurance

 

Why buy this insurance? It provides the certainty of knowing that your mortgage will be paid even if you are incapacitated. The insurer will make the mortgage payments – for a specific period of time – to your lender if you cannot work because of a severe injury or illness.

 

What you need to know: This would be an ongoing cost for the duration of your mortgage. Some insurers only cover specific illnesses or injuries, and they don’t usually cover pre-existing conditions. Before purchasing such insurance, ask your employer whether they offer similar coverage. Compare costs before agreeing to buy.

 

Mortgage life insurance

 

Why buy this insurance? It ensures that, in the event of your death, your mortgage will be paid off so your loved ones do not have to worry.

 

What you need to know: This would be an ongoing cost for the duration of your mortgage. You may already have this coverage through an existing life insurance policy. The benefits of your existing coverage could be used to pay off or pay down the mortgage in the event of your death.

 

Title insurance

 

Why buy this insurance? If you are worried about title fraud—criminals stealing your identity to get a new mortgage on your property, or fraudulently transferring your title to themselves and then selling or mortgaging your home.

 

What you need to know: This insurance consists of a one-time, upfront fee. Lender title insurance protects the lender from losses until the mortgage has been paid; homeowner title insurance protects the homeowner from losses related to title as long as he or she owns the home, even if there is no mortgage.

 

More information is available at itpaystoknow.gc.ca.

 

Source: www.newscanada.com

Mortgage Rates for Dec 15, 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%

3.44%

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

Thank you to all the Mortgage Brokers who I have worked with through 2015

Purchasing a home is the largest financial investment many people make in their lives, and I will go the extra mile to assist them in the process.
 
Being a Realtor means more to me than simply selling homes; it is about building relationships with my clients based on TRUST, KNOWLEDGE, and EXPERTISE.
 
As a Realtor of 20 years in the business, I worked hard to provide my clients a Network of Business that will provide a easier time to get the service needed to purchase or sell their property.
 

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
 
http://999-rose.ca/wp/services/financial/

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.

Daryl Harris Daryl Harris @ http://www.winnipegsbestmortgage.com

Follow Daryl on twitter@wpgsbestmtg

 

Justin Hintz - 1Justin Hintz @www.justinhintz.com

Follow Justin on twitter@justin_hintz

 

Leonard mcAuliffeLeonard mcAuliffe @ http://www.thatmortgageguy.ca

Follow Leonard on twitter @wpgmortgageguy

 

 Kevin Stefanson - Mortgage Broker Kevin Stefanson@ https://www.castlemortgagegroup.ca/brokers/30

Follow Kevin on twitter@mortgagebykevin

 

Peter Paley Peter Paley @ Invis Canada’s Mortgage, http://www.peterpaley.com/

Follow Peter on twitter@PeterPaley

 

Lisa J. Gryba Lisa Gryba @ One Link Mortgage Financial, http://lisagryba.com/

Follow Lisa on twitter@LisaJGryba

 

TRENA-Taylor -- The Mortgage Mogul 1 Trena Taylor @ Winnipeg,  http://themortgagemogul.blogspot.ca/

Follow Trena on twitter@mortgagemogul_

 

If you are wanting to deal with a Credit Union ,please contact

Cory Papineau -- Assiiboine Credit Union Cory Papineau @ Assiniboine Credit Union , 2659 Pembina Highway

Follow Cory on twitter@Iam_Canadian

 

If you are in the Market to Sell or Purchase a Home or Condo,

Please Contact me Realtor Rosalie Drysdale

The Five Signs of a Successful Sale

999-rose -- For Sale999-rose -- For Sale QR Code999-rose -- Open House Small Sign999-rose -- Open House999-rose -- Sold

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

Mortgage Rates for Nov 24, 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%

2.69%

7 YEARS

5.30%

3.44%

10 YEARS

6.10%

3.84%

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

Prime Rate

2.70%

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

 

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