Real Estate Curve

Everything To Know About Real Estate

Jul-23-2012

Vancouver tilts to buyers market, Toronto to balance

Home sales slide

Today’s home sales report from the Canadian Real Estate Association shows shifts in the markets favouring buyers or sellers.

Read The Article

Posted under News
Apr-17-2012

Moving Check List

Moving Checklist

What’s the best way to prepare for a move? See our moving checklist and calendar below.

Four weeks before moving

-Decide what you want to take to your new home, what you want to throw out, and what you want to donate to charity or sell.

-Start using up frozen food and staples. Don’t buy any more than is necessary before moving.

-Start planning your trip. Make airline reservations. Book hotels and rental cars.

-Arrange for important school, medical, financial, and legal records to be transferred to your new home.

-Decide how your furniture and belongings will be moved, such as using a packing and moving service, or renting a truck and packing and moving yourself.

-Schedule a moving service company for your move, or reserve a truck or van rental for relocation.

-If you will need to store any of your stuff for the move, arrange for storage space. Often your moving company can provide temporary storage.

-If you have kids, start talking to them now about the move. Get them involved in the moving process as that will help them cope with the move, especially if this is a long-distance relocation.


Three weeks before moving

-Arrange to have your pets transported or boarded. Start preparing your plants for the move.

-Get back any items you have lent (and give back any items you have borrowed). Pick up any items that are being repaired.

-Dispose of flammable items such as paint, aerosol cans, and cleaning fluids.

-Send change-of-address information to the post office and other businesses.


Two weeks before moving

-Schedule a date for a service firm to disconnect and prepare the appliances you are moving.

-Start packing non-essential items.

-Arrange for a babysitter for moving day.

-Start planning to disconnect utilities.

-Arrange for any services for your new home that will be easier to do before your things arrive, such as painting, carpet-cleaning, floor or wood cleaning.

-Draw up a floor plan for your new home and start planning your furniture arrangement (it makes moving in twice as easy).


One week before moving

-Finish packing suitcases and basic essentials. Make sure valuable documents, currency and jewellery are in a safe and easily accessed place.

-Drain garden hoses, lawn mowers, and other machinery.

-Defrost and dry the fridge and freezer. Don’t forget to empty the defrost water pan.

-Take down items such as curtain rods, shelves, light fixtures and mirrors that you are taking with you.

-Dismantle large power tools, such as lathes and grinders.

-Make sure all your important papers, keys, medications and plane tickets are available for the trip.

-If you are travelling a long distance by car, you may want to have the car serviced.

Packing day

-Leave a clear workspace for the packers.

-Identify fragile and valuable items, items you are taking with you, and items being left for the new owners.

Moving-out day

-Plan to stay home until the moving van has left.

-Tour the house with the van operator during inventory. Sign the bill of lading. Confirm your new address and delivery date. Check destination contact phone numbers.

-Do a final check for overlooked items. Make sure windows and doors are locked, lights are turned off, utilities are discontinued or turned off, and the keys are transferred.


Moving-in day

-Try to get to your new home the day before the moving van arrives. Make sure the utilities are connected. Take another look to see if your furniture plan is optimal.

-When the mover arrives, check items unloaded against the inventory. Make arrangements for installation of appliances. Confirm unpacking requirements.

-Look over this moving checklist and calendar. Make sure you’ve covered everything for your move.

Now sit back, relax, and enjoy your new home!

Posted under Moving
Apr-17-2012

Mortgage Rates For Ontario Canada As of April 12 2012

Here are the most upto date mortgage rates in Ontario Canada as of April 12 2012

Posted under News
Aug-26-2011

August 26 Market Update

Here is a great link to the steady market predictions by CREA upto 2012

http://www.canadianrealestatemagazine.ca/news/item/748-prices-and-sales-will-remain-stable-through-2012-crea

Posted under Buyer, First Time Buyers, Seller
Jun-19-2011

Market Update June 19,2011

Seller’s Market still in full force with the summer beginning in less than 2 weeks…It doesn’t look like it will slow down in July or August…

Will the interest rates for mortgages increase? We will find out shortly.

Posted under News
Jun-14-2011

Mortgage Rates for Week of 13th of JUNE 2011 in the Greater Toronto Area

Terms Bank Rates Our Rates
6 Month 4.45% 4.40%
1 YEAR 3.60% 2.64%
2 YEARS 3.95% 3.30%
3 YEARS 4.25% 3.52%
4 YEARS 4.89% 3.54%
5 YEARS 5.39% 3.59%
7 YEARS 6.29% 4.79%
10 YEARS 6.65% 4.99%

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

Prime Rate is 3.00%

Variable rate mortgages from as low as Prime – .80%

Rates based from Dominion Lending Centres Prestige

Posted under Financing, News
Jun-12-2011

Mississauga June 2011 Market Update

Houses are flying off the market like hot bread.
Buyers are getting angry with multiple offers.
Sellers are happy for a sellers market, they will sell high, but majority of the time, they still got to buy, remember (You sell high you buy high)

June 2011

Posted under Buyer, First Time Buyers, News, Seller
Jun-12-2011

Mortgage Rates for JUNE 2011 in the Greater Toronto Area

Terms Bank Rates Our Rates
6 Month 4.45% 4.40%
1 YEAR 3.60% 2.64%
2 YEARS 3.95% 3.30%
3 YEARS 4.25% 3.52%
4 YEARS 4.89% 3.54%
5 YEARS 5.39% 3.69%
7 YEARS 6.29% 4.79%
10 YEARS 6.65% 4.99%

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

Prime Rate is 3.00%

Variable rate mortgages from as low as Prime – .80%

Rates based from Dominion Lending Centres Prestige

Posted under Buyer, First Time Buyers
May-24-2011

Mortgage Rates for the GTA May 2011

Terms Bank Rates Our Rates
6 Month 4.45% 4.40%
1 YEAR 3.70% 2.64%
2 YEARS 4.05% 3.30%
3 YEARS 4.55% 3.52%
4 YEARS 5.19% 3.69%
5 YEARS 5.59% 3.89%
7 YEARS 6.49% 4.79%
10 YEARS 6.85% 4.99%

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

Prime Rate is 3.00%

Variable rate mortgages from as low as Prime – .75%

Rates based from Dominion Lending Centres Prestige

Posted under Buyer, Financing
May-12-2011

Greater Toronto Area Real Estate Sales Statistics Summarized – April 2011

GTA Real Estate Sales Statistics Summarized – April 2011

Year To Date Sales: Down 14%

Active Listings: Down 24%

Year To Date Selling Price: UP 6%

Posted under News
May-3-2011

Mortgage Rates May 2011 GTA

Here is a list of rate you can expect from most mortgage brokers in the greater Toronto area

Terms Bank Rates Our Rates
6 Month 4.45% 4.40%
1 YEAR 3.70% 2.64%
2 YEARS 4.05% 3.40%
3 YEARS 4.55% 3.62%
4 YEARS 5.19% 3.79%
5 YEARS 5.69% 4.09%
7 YEARS 6.49% 4.79%
10 YEARS 6.85% 4.99%

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

Prime Rate is 3.00%

Variable rate mortgages from as low as Prime – .75%

Posted under Buyer, First Time Buyers, News
Apr-22-2011

Mortgage rate for the greator Toronto area as of April 19 2011

Terms Bank Rates Our Rates
6 Month 4.45% 4.40%
1 YEAR 3.70% 2.64%
2 YEARS 4.05% 3.40%
3 YEARS 4.55% 3.62%
4 YEARS 5.19% 3.79%
5 YEARS 5.69% 4.19%
7 YEARS 6.49% 4.79%
10 YEARS 6.85% 4.99%

Rates are subject to change without notice. *OAC E&OE
Prime Rate is 3.00%

Variable rate mortgages from as low as Prime – .75%

Posted under Buyer, First Time Buyers, News
Apr-22-2011

7 Ways to pay off your mortgage faster

here is a link to the 7 most effective ways to pay off your mortgage

Posted under Buyer, First Time Buyers, Seller
Mar-31-2011

Mortgage rates March 2011 GTA

Current mortgage rate you can get from a mortgage broker

Variable 5 year closed 2.2%—2.5%
1 year — 2.44%
2 year — 2.99%
3 year — 2.90%
4 year — 3.79%
5 year — 3.64%

Mortgage rate to change without notice.

Posted under Buyer, First Time Buyers, Seller
Mar-31-2011

Do you need a mortgage and home insurance?

Almost everyone who wishes to purchase their first real estate property needs a mortgage. If you have the cash great, you will not need a mortgage and may not get house insurance; but not getting house insurance will keep you up at night. What will happen to the biggest asset in case of a house fire, a house insurance will cover the cost of (fires, floods, etc). Be wise and protect yourself and your biggest asset get house insurance. Banks require you to get an insurance before you close on your property in order for them to give you the mortgage. Be smart get the right amount of insurance for the right amount of mortgage and the value of the property.

Posted under First Time Buyers, News