Are You planning to buy Your first home this year. What steps should you take before getting started?

Congratulations. Buying a home is a very exciting event in your life, and there are lots of things to think about before you buy, whether it’s your first home or you’ve bought and sold several properties over the years.

To help you make smart decisions, here are a few tips to consider.

Know your needs and wants. Are you looking for a house, a townhouse or a condo? Do you want something that’s ready to live in and low-maintenance, or are you prepared to take on minor repairs, or even major renovations?

Keep budget top of mind. Talk to your lender about getting pre-approved for a mortgage (a loan specifically for real property). Remember that you will have to put down a deposit and a down payment (do you know the difference?), pay closing costs and possibly mortgage insurance, as well as moving costs and legal fees.

Also be aware of any recurring costs for your property, such as property taxes, utilities, furnace and/or hot water heater rental fees, and condominium maintenance fees, and make sure you account for these in your budget. Be careful to know and not to exceed your financial limits. If your offer is greater than the lender’s appraised value of the property, you will have to pay any amount above what you have been approved for by your lender for mortgage financing.

Read before you sign. When a salesperson presents you with a representation agreement to sign, ask them to walk you through it line by line so you understand what you’re signing – your rights and your obligations. You may also want to have a real estate lawyer review it.

Look for a good fit. You’ll want to work with a real estate professional you are compatible with. A good place to start is by asking friends and family for referrals, and it may be wise to meet with several candidates to find the right fit. Research candidates on RECO’s Real Estate Professional Search Tool to confirm they are registered and in good standing. Real estate salespeople and brokerages offer different approaches and services, and it is up to you to ask questions before selecting one to work with.

Protect yourself. Consider including terms and conditions in your offer that will best protect your interest, such as those about mortgage financing, a home inspection, the sale of your existing home, or whatever terms are important to you. When there are competing offers it can be tempting to waive these protective conditions but understand the implications and risks of doing so.

Set ground rules. The ongoing “hot” real estate market in Ontario has led to tactics like bidding wars and pre-emptive (bully) offers. Get advice from your salesperson and a mortgage professional as you determine your best offer. If you do encounter a bidding war, enter with a strategy. Set ground rules in advance for what you’re willing to spend and what conditions must be met. Keep a cool head.

Some other things to consider. Ask your real estate professional about the age and condition of the home, including the major systems – heating, cooling, plumbing, electrical, etc. Outline the items you expect to be included with the sale and understand the difference between chattels and fixtures.

A real estate professional can help you navigate the many steps and decisions involved in the home-buying process. If you stick to your plan, you will eventually find a property that you are happy with.

Best of luck in your search.

visit us: WWW.VIJAYGANDHI.COM

Better yet, Call us or contact us and lets go thru most small details and when you hire us we do our best to help you achieve your desired real estate investment buying selling or investing result. Thank you!!

Info. Source/Ref: RECO.ON.CA

GTA Real Estate Market Watch : High Interest Rates Impacting and Hammering the Market, But Population Growth Will Soon Create Demand.

As the subject says GTA Real Estate Market Watch : High Interest Rates Impacting and Hammering the Market, But Population Growth Will Soon Create Demand

Personally believing this market is yo-yo market, pulling back and forth from demand and supply point ever since as diversity in the culture and need base changing constantly.

Despite the market being better-supplied with listings, the average selling price was up year-over-year. Demands are not seems to meet in most segments of real estate needs.

Source: TRREB

TRREB’s Market Stats infographic for an at-a-glance review of the housing market

Sales are down by 7.1%

Average Price are UP by 3% in GTA

Download Full Market Watch Report

https://trreb.ca/files/market-stats/market-watch/mw2309.pdf?

The impact of high borrowing costs, high inflation, uncertainty surrounding future Bank of Canada decisions and slower economic growth continued to weigh on Greater Toronto Area (GTA) home sales in September. However, despite the market being better-supplied with listings, the average selling price was up year-over-year.

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5 BDR+ 4 BTH Home Listing for Sale (Available) – Visit Us for Showing Appointment

Listing for Sale

https://www.realtor.ca/real-estate/26101894/23-131-plumrose-ptwy-toronto-malvern

https://tinyurl.com/yw7feywj
https://lnkd.in/dS98Uk69

Client Remaks:

Must SeeLocationRare Opportunity To Live In This Gorgeous Spacious Detached Home,Large 3+2 Bedroom,2+1+1 Bath,Perfect for Growing Family/Investor with interlock frontage Located near TTC#131,Convenient,large Encld Porch,large Deck,and BBQ area.Open Concept,Modern style Vinyl Floor Throughout 1-2 fl,Huge Windows In Rooms.Fresh Painted,Renovated Kitchen W/ New Modern Wifi Appliances,Quartz C/Top, Double Sink, Backsplash & Lots Pot lights.Prim Bdrm W/4Pc Ensuite.Fully Redone Both Stairs.Bsmt W/ Great Potential income,New W+D,ExtraWidened Driving Way Easy Park 2 Cars!Excellent School District!Family Friendly Neighbourhood.FULLY Renovated,Move in Ready,Steps To Schools,Parks,Mall,Place Of Worship,Restaurants,Groceries And More.Easy Access To Hwy401,Ttc & Future LRT StationROOF 2022, All OVER LED LIGHTS,Quartz chandelier in Dining,2″ Vinyl Blind +Rolling Zebra Blinds.MANY UPGRADES to Type,No Disappointments.1850 BUILT UP Area,Finished BSMT-2BDR+1X3,Try Your Best Offer!!

Extras

Fully Fenced Yard,Corner Lot,All ELF,All EXISTING Window Coverngs,Gas Burner & Equipment,SS Face Fridge,SS DW,SS Stove,W-Washer/Dryer,Buyer/Agent To Verify All Measuremnts & Taxes,BSMT NOT RETROFIT

Inclusions:

Home Alarm, SECURITY cctv CAMERA SYSTEM,FURNACE,A.C.,ALL ELF,ALL WINDOW COVERING,GDO+KEYPAD+REMOTE

CHATTEL:
ELECTRIC FIREPLACE,HOME CARE TOOLS,PERSONAL ITEMS, Ask LA to Buy chattel

Rental:

HOT WATER TANK

listed by

VIJAY GANDHI
Salesperson

647-267-6338 Cell
416-289-3000 Off

HOMELIFE/MIRACLE REALTY LTD
Brokerage

REALTOR^® Website

The Bank of Canada today held its target for the overnight rate / Mortgage Rate in Canada

06 SEP2023

The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5¼% and the deposit rate at 5%. The Bank is also continuing its policy of quantitative tightening.

Information note

The next scheduled date for announcing the overnight rate target is October 25, 2023. The Bank will publish its next full outlook for the economy and inflation, including risks to the projection, in the Monetary Policy Report at the same time.

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Affordable 4 BDR House Listed for Sale Scan QR , Or VISIT ONLINE at Follows

131 PLUMROSE PTWY
Toronto, Ontario M1B4B6

MLS^® Number: E6732574
For sale: #23 -131 PLUMROSE PTWY, Toronto, Ontario M1B4B6 – E6732574 | REALTOR.ca

**Book Personal Showing Appointment at :
https://www.www1.homelife.ca/properties_for_agent/730963/all

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Vijay Gandhi,
Sales Representative- REALTOR®,
Homelife / Miracle Realty Ltd., Brokerage*
Cell/SMS: 647.267.6338 I Office: 416.289.3000 I Fax: 416.289.3008
E: gtarealtyagent@gmail.com
W: www.gtarealtyagent.com
6 Offices to Happily Serve Our Clients in Greater Toronto Area:
1. Toronto (E): 22 Slan Ave., Scarborough, ON, M1G 3B2 (Home)
2. Toronto (W): 5010 Steeles Ave W, #11A, ON, M9V 5C6 (Head)
3. Brampton (E):   470 Chrysler Dr., # 20, ON, L6S 0C1
4. Brampton (W): 821 Bovaird Dr. West, Unit 31, ON, l5X 0T9
5. Mississauga:1339 Matheson Blvd. E, ON, L4W 1R1
6. Cambridge: 341 Sheldon Dr., #3, ON, N1T 1B1

**If you have a brokerage relationship with another agency, This Digital Info/material is not intended as a any solicitation and/or should not be considered legal or financial advice. *Independently Owned & Operated.

Impact of Interest Rates on Homeownership

Impact of Interest Rates on Homeownership

Market fluctuations have given us mortgage interest rates as low as 3% in recent years, but interest rates at 7% to 8% (or even higher) shouldn’t stop anyone from buying. Interest rates do impact affordability, however. you can see an example, it shows how approximately large a loan a borrower could obtain for a $1,025 monthly payment, given various interest rates. Here’s what happens to borrowing power with just a 1% interest rate increase:

• 4.35%: $205,959
• 5.35%: $183,608

The rule of thumb is that each quarter point swing in interest rates changes the amount a borrower can borrow by about 3%, so a 1% increase would reduce the borrower’s borrowing power by a whopping 12%.  

From a buyer’s standpoint, the one silver lining to rising interest rates is that they tend to have a downward pricing pressure. So even when interest rates are on the rise, buyers should understand that they’re likely paying less for a home than they would be if interest rates were lower. Most financiers agree that the exact timing of a home purchase will have little impact overall. Homeowners generally always come out ahead of renters.

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you can check out one Affordable 4 BDR House for Sale Listed at:

131 PLUMROSE PTWY
Toronto, Ontario

MLS^® Number: E6732574 click on link here
for Viewing Appointment click here

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The Term “A Market with No Place to Call Home“

Why don’t builders build more starter homes? Rising costs for building materials and labor have made housing construction far more expensive. A population surge in metropolitan areas has decreased the supply of buildable lots, increasing land values, which means builders must build more expensive homes on those lots to make a profit. In addition, regulatory barriers have limited where homes can be built and how long it takes to get permits, and pre-production costs and impact fees have also added to builder costs.
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To View the listing MLS^® Number: E6732574 click on link here
for Viewing Appointment click here

Vijay Gandhi,
Sales Representative- REALTOR®,
Homelife / Miracle Realty Ltd., Brokerage*
Cell/SMS: 647.267.6338 I Office: 416.289.3000 I Fax: 416.289.3008
E: gtarealtyagent@gmail.com
W: www.gtarealtyagent.com
6 Offices to Happily Serve Our Clients in Greater Toronto Area:
1. Toronto (E): 22 Slan Ave., Scarborough, ON, M1G 3B2 (Home)
2. Toronto (W): 5010 Steeles Ave W, #11A, ON, M9V 5C6 (Head)
3. Brampton (E):   470 Chrysler Dr., # 20, ON, L6S 0C1
4. Brampton (W): 821 Bovaird Dr. West, Unit 31, ON, l5X 0T9
5. Mississauga:1339 Matheson Blvd. E, ON, L4W 1R1
6. Cambridge: 341 Sheldon Dr., #3, ON, N1T 1B1

If you have a brokerage relationship with another agency, This Digital Info/material is not intended as a any solicitation and/or should not be considered legal or financial advice. *Independently Owned & Operated.

Toronto Real Estate Market Trends: Housing Market Report for August 2023

Toronto Real Estate Market Trends : Housing Market Report for August 2023

Current Toronto MLS® stats indicate an Average House Price of $1,010,451 and 4,296 new listings in the last 28 days.

As of today,
Toronto housing data shows median days on market for a home is 21 days at Approximately Sellable Price range as see below table.

All Properties are Different from one another and bears their own price points.

Toronto Housing (Month over Month) Prices & Comparison to Past
Current (Aug 03) over Past Year

Avg Sold Price $1.0M Aprox.
Monthly change 4.3% Down
Quarterly change 15.3% Down
Yearly change 0.4% Down
_______________________________________________________________________________________

Detached

# Beds   Aug 03  1 year ago

2 Bd       $1.0M           $995K

3 Bd       $1.3M            $1.3M

4 Bd       $2.0M          $1.9M

5 Bd       $2.7M $2.7M

6 Bd       $2.7M $2.7M

All          $1.6M $1.6M

Note: +/- change calculated year-over-year

_____________________________________________________________________________________________________

Affordable 4 BDR House for Sale Listed at

131 PLUMROSE PTWY
Toronto, Ontario

MLS^® Number: E6732574 click on link here
for Viewing Appointment click here

_____________________________________________________________________________________________________

Townhouse

# Beds   Aug 03            1 year ago

1 Bd       $681K $475K

2 Bd       $971K   $836K

3 Bd       $1.1M $1.0M

4 Bd       $1.3M         $1.3M

All          $1.1M $1.0M

Note: +/- change calculated year-over-year

Condo

# Beds   Aug 03 1 year ago

Studio   $492K            $450K

1 Bd       $627K               $635K

2 Bd       $830K             $865K

3 Bd       $1.0M            $977K

All          $734K          $745K

Note: +/- change calculated year-over-year

——\\\——-

(We will assume no responsibility for the accuracy of the information on this Website or blog. User Must Research on their Own.)

Source – TRREB, ZOLO, CREA, REDFIN Other Listing Sites and Google Data, Stats are derived from Data Available as is, limited stats are verified., E.& O.E

Understanding Canadian Bank of Canada Policy Interest Rate- Are You Sure? Interest Rate Stability Thru 2024?

Understanding our policy interest rate – Bank of Canada

I love to go thru each points the video points out, and i am not personally optimistic for 2024.

some stats are way out and cant be able to fetch or just projected, Economical Growth of Canada is Mirrored in Real Estate Market and Labor Market, both are slow…many Canadians have no jobs. There is no labor shortages, employers are not pumped to hire because unsure of unbalanced policies.

At the heart of the Bank of Canada’s monetary policy is the target for the overnight rate. See what it is—and what it means for you.

The target for the overnight rate
At the Bank of Canada, the primary tool we use to control inflation is our target for the overnight rate—also called our policy interest rate. This is the starting point for setting many of the interest rates in the economy that matter for Canadians.

The overnight market
Every business day, Canada’s financial institutions move money back and forth among themselves for their customers. Whenever you use your debit card or send an e-transfer, money flows between financial institutions. At the end of each day, they need to settle all these payments. Some institutions may have sent out more in payments than they received, while others may have received more than they sent.

To balance out the payments, financial institutions can borrow money from each other for one day in the overnight market. The Bank sets a target for the interest rate we want financial institutions to charge each other when they make these overnight loans.

Full Report
https://www.bankofcanada.ca/2022/04/understanding-policy-interest-rate/

Interest Rate Changes and CREA

Bank of Canada raises interest rate and continues quantitative tightening

In a scheduled announcement on July 12, 2023, the Bank of Canada decided to raise its target for the overnight lending rate by 25 basis points to 5%. This move was more widely expected than the June rate hike.

Perhaps most importantly for gauging the impact on the housing market, the statement accompanying the decision made no indication there would now be a pause, and the next decision is not until September.

The recent resumption of policy tightening will likely rekindle the kind of uncertainty seen throughout 2022 and shift a number of prospective buyers and sellers back to the sidelines this summer.

The main reasons cited by the Bank for choosing to raise rates again in July were:

Persistent excess demand, with Canadians continuing to spend money at higher-than-expected levels, and

Sticky core inflation which hasn’t moved much for months despite welcome slowing at the overall headline inflation level.

The Bank noted a number of the positive inflation prints this year have simply been due to lower energy prices, not from disinflation in prices for things like groceries and other goods and services, which is what the Bank is really trying to get under control.

With the low hanging fruit of those big base effects from past energy price movements now more than a year in the rear-view mirror, further progress on bringing down year-over-year inflation will have to come from the real thing.

The Bank said it expects Canadian economic growth to slow over the next year, averaging around 1% through the second half of this year and the first half of next year—in other words not a recession, but hopefully slow enough to get inflation moving in the right direction.

Th issue there is the Bank now forecasts year-over-year Consumer Price Index (CPI) inflation to get suck at 3% (it’s currently 3.4%) for the next year, before slowly easing back to their 2% target by mid-2025—two years from now.

This path back to target is slower and further out than previous forecasts and will reinforce the growing consensus that rates won’t just be higher than many thought, which they now are, but for longer as well. Governing Council said it remains concerned slow progress could get stalled for even longer.

The Bank of Canada’s next scheduled interest rate announcement will be on September 6, 2023, leaving almost two months for it to assess new incoming data. You may recall after the April rate announcement, many thought there would be rate cuts in the second half of this year, so a lot can change in a short time.

https://creastats.crea.ca/en-CA/stats/ZtDiHSNyWRJYz57YMk7aX/

https://www.linkedin.com/embed/feed/update/urn:li:share:7100894291253764096
For sale: #23 -131 PLUMROSE PTWY, Toronto, Ontario M1B4B6 – E6732574 | REALTOR.ca

CLICK ON THE ABOVE LINK FOR LISTING VIEW ON –> REALTOR.CA

AFFORDABLE HOUSING AVAILABILITY

3+2 BDR 2+1+1 BATH BASEMENT FINISH-HOUSE FOR SALE IN TORONTO-NEW LISTING

https://www.linkedin.com/embed/feed/update/urn:li:share:7100894291253764096
For sale: #23 -131 PLUMROSE PTWY, Toronto, Ontario M1B4B6 | REALTOR.ca

CLICK ON THE ABOVE LINK FOR LISTING VIEW ON –> REALTOR.CA

Listing Description

Location!!Perfect for Growing Family/Investor. Beautiful family home with interlock frontage, in the heart of DETACH House neighborhood with Private Road! Steps To TTC,FULLY Renovated,3+2 Bedroom,2+1+1 Bath+ Modern large kitchen, This Bright corner lot, West facing home features pristine Upgrds on both levels above ground and at Below Ground in BSMT. Enjoy the functional, open concept LARGE MODERN Kitchen With Quartz C/Top, layout with a walkout from the kitchen to a large private backyard with large size deck and BBQ area. Main Floor Dining, living, chef’s kitchen with New SS RANGE Wi-Fi and Air-FRY. No Carpet, FRESHLY PAINTED 22/23,NEW Modern Vinyl FLOORING 2023 on existed wood floor & Re-Done Both Stairs ALL just upgrad July’23,ROOF 2022, All OVER LED LIGHTS, Quartz chandelier in Dining,2″” Vinyl Blind +Rolling Zebra Blinds. MANY UPGRADES to Type, No Disappointments.1850 BUILT UP Area, Finished BSMT WITH LARGE 2 BDR, 1X3 BATH, Fully Fenced Yard, All ELF, LET’S TALK OFFER!!*FINISHED BASEMENT***** EXTRAS **** Fully Fenced Yard, Corner Lot, All ELF, All EXISTING Window Coverings, Gas Burner & Equipment, SS Face Fridge, SS DW,SS Stove, W-Washer/Dryer

Must See **Location** Rare Opportunity To Live In This Gorgeous Spacious Detached Home, Large 3+2 Bedroom,2+1+1 Bath, Perfect for Growing Family/Investor with interlock frontage Located near TTC#131,Convenient,large Encld Porch, large Deck, and BBQ area. Open Concept, Modern style Vinyl Floor Throughout 1-2 fl, Huge Windows In Rooms. Fresh Painted, Renovated Kitchen W/ New Modern Wifi Appliances, Quartz C/Top, Double Sink, Backsplash & Lots Pot lights. Prim Bdrm W/4Pc En-SUite. Fully Redone Both Stairs. Bsmt W/ Great Potential income, New W+D, Extra Widened Driving Way Easy Park 2 Cars! Excellent School District! Family Friendly Neighborhood. FULLY Renovated, Move in Ready, Steps To Schools, Parks, Mall, Place Of Worship, Restaurants, Groceries And More. Easy Access To Hwy401,Ttc & Future LRT Station, ROOF 2022, All OVER LED LIGHTS, Quartz chandelier in Dining,2″ Vinyl Blind +Rolling Zebra Blinds. MANY UPGRADES to Type, No Disappointments.1850 BUILT UP Area, Finished BSMT-2BDR+1X3,Try Your Best Offer!!

Inflation’s latest jump is Very Bad News for the Bank of Canada and Many Many Mortgage Seekers & Holders Across Country

Inflation’s latest jump is Very bad news for the Bank of Canada and Many Many Mortgage Seekers & Holders across Country

The annual rate of inflation’s July jump could be cause for concern at the Bank of Canada, economists warn.

Annual inflation rose to 3.3 per cent nationally last month, as per Statistics Canada, which falls outside the central bank’s one-to-three per cent target range.

That’s up from June’s inflation rate of 2.8 per cent. Economists had widely expected an increase, though the report outpaced the consensus’ estimates of 3.0 per cent.

Next: Interest Rate Announcement
September 6, 2023

Mainly the reason inflation increased was because energy prices saw a smaller annual decline in July than in June, as per StatCan. A monthly drop in gasoline prices between July and June last year is no longer affecting the agency’s inflation calculations.

Mortgage costs once again grew and expected to grow at a record rate thanks to the rapid rise in interest rates, as per StatCan.

The Bank of Canada is hoping restrictive interest rates will tamp inflation all the way back down to its two per cent target.

The central bank’s mandate is to achieve price stability, which it seeks to do by keeping inflation between one and three per cent.

There’s no sense sugar coating this one — it is not a good report for the Bank of Canada.
CREA source of charts says , price have advanced Canadian average Aprox 6% and in Ontario more than 3% YoY

source: Microsoft, Statscan, CREA, Opensource & Internet & News
https://creastats.crea.ca/en-CA/

https://tinyurl.com/4bcf6msc

Thinking about buying a house with friends or other family members jointly? Here’s some of what to consider.

GTAREALTYAGENT’s Blog article 13Aug2023
SCAN QR for The HOT LISTING AVAILABLE .

Thinking about buying a house with friends or other family members jointly?
Here’s some of what to consider.

Firstly,That is a very Un-easy question to answer,

As real estate prices continue at record highs, it is becoming more and more common for buyers to explore co-owning a property to get into the housing market. While this can be very appealing idea and does have advantages, it’s a big decision that requires a lot of careful consideration. it is possible and can happen in the current market situation in GTA-Toronto Area a lot.

I would like to begin by Simplify that what it is joint ownership — also known as co-ownership — typically refers to two or more people or family purchasing a home together to live in. This is not to be confused with fractional real estate investing or time share, which allows individuals to buy shares in a property they do not plan to occupy continuously or at the same time. Ihis idea is well known idea in most of the part of the world other than North America.

While some of many families have opted for joint home ownership in the past, what we’re seeing now due to the lasting competitive market is a rising trend in friends and families buying houses together to share, and to start building some equity in the housing market and wait for another down turn in interest rate. If you are thinking of entering joint ownership of a home with someone other than your spouse, there are some key factors to be mindful of.

For Beginners or Interested Buyers,
I suggest you leverage the expertise of a real estate agent and an Experienced lawyer who can help you determine which type of ownership may work best for you and those you plan to co-own with. While the terms “joint tenancy” and “tenancy in common” recognize each of you as owners, they have their own implications which you will need to understand very carefully.

Owning a place to live is always better than renting , a feeling of living in your own paradise is much better than other options.

Ask your Knowledged lawyer or an Agent to give you strategic advice about structuring an ownership agreement that spells out how a buy or sale by one or more co-owners can work. In some cases, ownership through a corporation or trust may be best. Ask us if we can be help on it for information or share some ideas what are pro and cons.

Carefully consider how joint ownership may affect your lifestyle and your wallet, as well as that of the other co-owners. We recommend that you work through some scenarios together and have an honest conversation about your preferences and expectations to confirm that you are all on the same page before finalizing the home purchase. Home purchase is the largest investment of your financials and it has to consider well thought way. Open communication and seeking advice from knowledgeable and accredited experts can help set you up for success. Here are some questions to help you get started with that discussion:

What if one co-owner stops paying their share because of unemployment, illness or death?
Who, what, when, why, where, whom, and so on most W’s are penned?
How will utility bills and property taxes be paid?
How will decisions about renovations or major repairs be made if you don’t agree?
How will costs be divided for renovations, major repairs, and other unexpected expenses?
Does one co-owner have the right to trigger the sale of the property?
Can one co-owner buy out the other(s) with consent? If so, at what price? Alternatively, is there a way to buy out other co-owners if there isn’t mutual consent?
It is inevitable that things will change, and that the property will eventually have to be sold. You need to be clear about how that will happen when the time comes.

Finally, speak with your accountant to learn more about which form of co-ownership will minimize your tax exposure if the property is not going to be your principal residence if in future your plan changed to use as rental property, and plan out your future capital gains etc. when your selling or disposing your interest in Real Estate.

This all sounds complicated? it depends on everyone’s personality, it can be possible for similar mind set buyers or investors to stay in this arrangement of “tenancy in common” with appropriate plan.

If you have a question about the home buying or selling process, please email us.
This blog is for general information purposes only and is not meant as legal or professional advice or representation on real estate transactions.
Visit Us at www.gtarealtyagent.com