The average house in Scugog Township sold for $1,090,041.  The rise in interest rates has calmed house prices.  Expect to see more of this as we head into the summer months.

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499 Scarborough Road, (the Beaches) Toronto, Ontario 

2 bed/2 bath, 

3 level semi-detached 

W/O from the kitchen to deck & large, fenced-in backyard

W/O basement (separate entrance)

One Parking

Coming Soon - May 31, 2022

ListPrice: $899k

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We are seeing a shift in the market with SALES down 21.6% from last month and average selling prices cooling off by 6%. Expect to see further adjustments as borrowing rates increase and we adapt to new ways of living through the economic challenges that we have faced over the last 2 years.  

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When it comes to shopping for your perfect home, it can be hard to find the exact one ready to go! In fact, most homes come with flaws of a sort whether it is old paint or flooring, outdated fixtures or perhaps more extensive repairs are needed.  

While some buyers have no issues dealing with these deficiencies in a home or perhaps do not consider them dealbreakers, other house hunters might.

If you are looking into a home that requires improvements, there is a mortgage product known as Purchase Plus Improvements (PPI). This type of mortgage is available to assist buyers with making simple upgrades, not conduct a major renovation where structural modifications are made. Simple renovations include paint, flooring, windows, hot-water tank, new furnace, kitchen updates, bathroom updates, new roof, basement finishing, and more.

Depending on whether you have a conventional or high-ratio mortgage, if it is insured or uninsurable, and which insurer you use, the Purchase Plus Improvements (PPI) product can allow you to borrow between 10% and 20% of the initial property value for renovations.

The main difference between a regular mortgage and a purchase plus home improvements program is the need for quotes. As part of the verification process, your mortgage professional and the lender will need to see a quote for the work that is planned for the improvements. The quotes will provide us with the cost and plan details required to secure the final approval.

The lender will release the full funds directly to the lawyer with instructions to hold onto the portion for improvement costs until the renovations are completed. You would need to pay the contractor and then, once the renovations are complete, and the lender has approved and waived the holdback, the lender will allow the lawyer to release the additional funds.

To get started with this type of mortgage program, the first step is reaching out to myself to understand how this mortgage product would apply to your application and specific situation, based on your existing mortgage. Understanding what you qualify for and the types of improvements that can be included in the financing will help you better understand which potential houses might work great for you and how much financial room you have for improvements.

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The average price in Durham Region has dropped 6.5% from last month to $1,148,685, and still remains the lowest amongst the GTA Regions.

There is a shift happening and we expect to see further corrections still but nothing overly substantial.

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Returning to Port Perry after 20 Years Away

... in a time where optimism and hope are at an all-time premium, I thought you might enjoy a lovely story about what caused my new husband and I to return to our hometown of Port Perry...

One part fairy tale, one part ‘coincidence’, this is a true story about how Facebook and a love for their home town brought two Port Perry High School graduates home, after more than 20 years away. Serving on the high school student council together in 1987,...

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Buyers respond to homes that are spacious, well maintained, and stylish. Your challenge is to see your property through a 'Buyers Eyes'. Use these handy tips to help you get started:

Enhance Curb Appeal
Power wash driveways, walks, patios, balconies, walls & windows. Rake yards, trim hedges, weed flowerbeds, sweep porches. Make sure your front entry is distinct and welcoming. Consider a new colour for the front door and adding pots of colourful flowers.
Conquer Clutter
Be ruthless. Store all unnecessary...

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Executive Home In Highly Sought-After Cawkers Creek. This 2 Storey 4Bed/3Bath Spacious Home Backs Onto A Protected Forested Ravine & Is On A Quiet Cul-De-Sac. The Open Concept Kitchen/Eat-In Breakfast Area & Family Room Has Ample Windows Creating A Bright Cascade Of Natural Light. Enjoy Your Morning Coffee Listening To The Birds Sing While Taking In The View Of The Natural Ravine. A Large Home Office With Bay Window & 14Ft Ceiling Provides Ample Natural Light**** EXTRAS **** Lower Level...
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