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Condo_sale

Does downsizing from a house to a condo fill you with dread? Follow these tips below or ask me for advice, and it'll be a much smoother process for you.

Canada is displaying few signs of condophobia as the retired and the soon-to-be-so downsize and first-time buyers start their home-ownership lives with purchases of modest suites in downtown areas.

Thirty years ago, fewer than 4% of owner households were condo owners. By 2006, it had reached 11%. Today, the number is approaching 15%, meaning that well over one million Canadian households own a condominium. In the Greater Toronto Area this year, six in 10 new homes sold have been condos. And that trend is likely to continue.

In a way it is a great leap of faith to commit yourself to entering an agreement whereby you are to be financial and social partners with a couple of hundred strangers for the foreseeable future. You will deal with them at the closest of quarters, trusting them to do the right thing so that your property and your wellbeing...

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Mortgage
With the Bank of Canada now widely expected to hold off on a rate hike until the end of summer, house prices in Canada are likely going to stay hot for a few months longer.

The central bank will again leave its benchmark lending rate unchanged at 1% at its regular policy announcement on Tuesday, according to the unanimous result of 22 economists surveyed by Bloomberg News.

With signs the U.S. and global economies have entered a soft patch and the European debt crisis continuing to roil, most economists do not expect the bank to raise its overnight target rate until at least September. That would mark a full year on hold for the bank, which last raised rates in September 2010.

The upshot is, these ultralow lending rates will continue to a fuel a Canadian housing market that appears in full spring bloom. Average prices hit $372,544 in April, up 8% year over year for the third straight month, led by a supercharged Vancouver market.

"It will lead to more strength in housing in the near term...

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I have listed a new property at 3918 INDIAN RIVER DR in North Vancouver.
Beautiful townhouse! Various renovations giving this home the perfect cozy feeling. Sandstone laminate floors, precise terricota tile craftsmanship flow from the front door towards and through the kitchen floors. Brightly lit kitchenstretching out into its ambient space. Natural gas fireplace warms up the living room as you look out onto your garden. Extremely large master bedroom with walk in closet and refinished on suite bathroom. Basement has been turned into an enjoyable entertainment area an additional enclosed suite. Be amazed with all the room! Enclosed rear patio, perfect for entertaining your guests with plenty of space for outside fun and summer BBQ's! Don't miss out on this opportunity to own your perfect home.
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Home_improvements
Vancouver hopes to begin a pilot project this summer to help taxpayers retrofit their drafty, energy-inefficient homes.

If the plan is approved by council next week, 500 homes could access low-interest financing to install new high-efficiency furnaces, heat pumps, upgraded water heaters and wall and attic insulation. The program would be administered through Vancity Credit Union and repayment would be done over 10 years through the city's utility and property tax billing system.

Energy savings would be "commensurate" with the outlay of capital, Dave Ramslie, the city's sustainable development program manager, said Thursday. That means that after the 10th year the average homeowner could save about $1,200 a year in energy costs, he said. If the three-year pilot program is a success, the city could open the program to as many as 3,000 households a year.

The federal and provincial governments have in the past operated incentive programs to convince homeowners to upgrade or repair their homes...

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Property Photo: 814 175 1ST ST W in North Vancouver
Please visit our Open House at 814 175 1ST ST W in North Vancouver.
OPEN HOUSE: Sunday May 29th, 2-4pm
Great investment opportunity in the popular acclaimed "Time" building in vibrant Lower Lonsdale. Sunny SE facing balcony w/water & city view. Unique studio w/separate private sleeping area w/closet, gas fireplace, insuite laundry, hugebathroom, open concept kitchen w/gas stove & built-in microwave. Concierge service. 1 parking & storage. Pets & rentals allowed. Balance of 2/5/10 warranty. 5 min. stroll to Lonsdale Quay market & seabus service to downtown. John Braithwaite Community Centre, chic restaurants, coffee shops & boutique shopping, all just steps away. This one is all about the "lifestyle". (Currently rents for $1,750 furnished).Open House Sun May 29th from 2-4pm.
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House_for_sale
If you own a home in Vancouver, how tempting is it to sell your largest asset and use the cash for something you've always dreamed about?

Cam Hayduk did it. He sold his house in May 2010 on Bowen Island — a 20-minute ferry ride from Vancouver — for about $580,000. "Prices had gone through the roof in the 10 years we have lived here," says Mr. Hayduk, who now rents a home with his wife and child.

He bought the house for $380,000 in 2004, putting a 10% down payment. The return on his approximately $40,000 investment was nearly $180,000. Where do I sign up for a 450% return in six years?

"We wanted to start our business. Originally we wanted to scale down, but there were no options at the prices we wanted, so we sold," says the 45-year-old former camera operator. "We invested the money and some of it went to a video production company we started."

He went from what he describes as "eking into debt" to a situation where he was able to buy new video gear and lights for the business...

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Vancouver_skyline_2_blog
Vancouver: Not really as unaffordable as you think it is.

Also not being bought up by wealthy offshore buyers from China who are speculating on real estate.

That’s the anti-conventional-wisdom message that the city’s best-known marketing guru, Bob Rennie, is promoting, with numbers to back him up.

Mr. Rennie, who commissions research on real-estate trends for an annual talk to the industry, said that once the skewed prices paid by a small group of mostly mainland Chinese buyers in Richmond and the west side of Vancouver are removed, housing prices are comparatively reasonable.

As well, the numbers indicate that only about 1 per cent of those high-end buyers are non-resident investors.

“When you’re looking at the numbers, you have to build a fence around the west side, where there are external forces operating that have nothing to do with local forces,” Mr. Rennie said.

Yes, he said, the sale prices on those houses have increased dramatically in the past year....

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Better_life_index
Some cheerful news to welcome the work week back - Canadians make more, work less, are happier with their lives and better educated than most residents of the 34 countries that make up the Organization for Economic Cooperation and Development, a new index suggests.

The OECD launched the "better life index" Tuesday, which allows comparisons between the member countries that go beyond the traditional economic measures, such as gross domestic product.

"Canada performs exceptionally well in measures of well-being," the agency said, citing statistics such as:

- Nearly four out of five Canadians are satisfied with their lives, compared with three out of five for the OECD as a whole.

- Average Canadian household income of $27,015 US in 2008, more than $4,700 above the OECD average.

- Nearly 72 per cent of Canadians 15 to 64 have a paid job, above the OECD average of 65 per cent.

- Canadians work 40 hours a year (a work week) less than the OECD average.

- About 87 per cent of Canadians have the...

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Mortgage2

Mortgage rates are near all-time lows but for the best deal, move to British Columbia.

The province has Canada's most expensive housing but its residents are getting rockbottom rates thanks to a ferocious battle between B.C.'s credit unions and the banks.

B.C. home prices, Vancouver in particular, have long outpaced the rest of the country. The Canadian Real Estate Association said nationally home prices were up 8.9% in March from a year ago, but take out B.C. and the percentage shrinks to 4.3%.

The credit unions are another factor behind the higher prices in the province - loans from credit unions are as low as 3.64% on a five-year fixed rate closed mortgage. Canadians in other provinces, even hard negotiators, are lucky to get 4.19% from big banks.

There are several niche products that go lower but they usually come with a catch.

"I think it's possible it could become part of the story," said Benjamin Tal, deputy chief economist with CIBC World Markets, about the cheaper money driving...

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Mansion_blog
High-end home sales are thriving in many of Canada’s major markets despite a general slowdown in the housing sector overall, according to a report from real-estate broker firm Re/Max.

In a report released Wednesday, Re/Max said sales of luxury homes have “surged” this year in most of Canada’s major metropolitan areas. This comes a day after the Canadian Real Estate Association said listed home sales were down 4.4% overall in April from March on a seasonally adjusted basis, and 14.7% lower on an unadjusted basis from a year earlier.

But even that report said the average price of transactions was up eight per cent from a year ago, driven largely by - as we all know - multi million-dollar transactions in the Vancouver area.

Re/Max said sales of homes worth $2-million or more in the Vancouver region more than doubled in the first four months of this year to 747 from 343 a year earlier.

“I think a lot of the high-end buyers feel the confidence is back” said...

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