resale home & condo vancouver

604.466.2838LifeStyles RealtyIndependently owned and operated

Fraipont & Manykprofessional teamwork ~ professional results

Metro Vancouver Edition Dec. 07, 2012 - Jan. 04, 2013 Volume 18 Issue 25

INSIDE THIS ISSUE

TIPS FOR BUYING A SECOND PROPERTY

SHOULD WE WORRY ABOUT A MARKET CORRECTION?

‘Best wishes for a happy holiday

season and our sincere thanks

for your loyalty, friendship and

goodwill throughout the year”

Gary Fraipont and Lorraine Manyk

Special 4 Week Issue

0092614_4912

CALL GARY and LORRAINE 604-466-2838


PRICE INCLUDES HST

ATTENTION TO DETAIL

• 8251 sq.ft. level lot • 4 bdrms/ 3 full baths • Central M.R. Location

• 1 bdrm legal suite• 3182 sq.ft. home• Jent Construction

• 2 storey + w/o Bsmt• 3 bdrms/3.5 baths• High End Appliances

• River & Mountain views• Executive Living• Private Location


FALCON CENTRE - THE RESIDENCES

• ONE and TWO BEDROOM SUITES• Maple Ridge downtown core location• Spacious, well designed floor plans• High End Finishes/ cheerful fireplace• Fully applianced gourmet kitchen• Laundry appliances included• Secure parking plus storage locker• Park the car & WALK to amenities


VALUE! VALUE! VALUE!

• 3 bdrms / 3.5 baths• 2 storey + w/o bsmt• Show Home Condition

• Sunny South Facing• 2,062 sq.ft. townhouse • Close to Schools

$394,000

STARTING FROM $182,900


PRECIOUS MEMORIES

• 2960 sq.ft. 3 levels• 3 bdrms / 2.5 Baths• Backing Greenbelt

• Walk Out Basement• Open Floor Plan• Next to nature

$529,900

$629,900

$674,900


PRIVATE GREENBELT LOCATION

•2956 total square feet •Yard access off main flr•Slate accents/teak flooring

•3 bedrooms/2.5 baths•Master Bedroom on Main•Gourmet kitchen/granite island

$555,000


UPSCALE DESIGN

• Majestic MTN Views• 4,136sq.ft. of LUXURY• 2 bdrm Inlaw Accom.

• 10,981 sq.ft. lot• 7 bdrms / 4.5 baths• Nanny Quarters

$1,080,000

FALCON CENTRE - THE RESIDENCES

4 Resale home & condo Guide Dec. 07, 2012 - Jan. 04,, 2013

06. Editor’s Note

10. The Mortgage Minute What’s all the fuss about a ‘market correction’? By Peter Kinch

12. Homebuyers’ Help Quick tips for buying a second property

iNsidE THis issuE advErTisEr iNdEx

voluME 18 issuE 25 | dEcEMBEr 7, 2012 - JaNuary 04, 2013

contents12

Gary Fraipont & lorraine Manyk RE/MAX Maple Ridge...................................2


remax all Points Wayne and Brittney Dic .......................................................5


alisa & Jorge aragon Your Mortgage Solutions Group ...................................9

les Wellman Royal LePage Coronation Park..................................................11

Wayne & Brittany Dick

Providing the Service You Deserve Since 1985Wayne & Brittany

Wishing you and your family a safe holiday!

604.512.1234 RE/MAX ALL POINTS

[email protected]

* TOP 10 IN B.C.Twelve Years

* TOP 1% IN CANADANineteen years

*OVER 32 YEARS COMBINED EXPERIENCEWith over 2500 sales

0093000 4912

Great family neighbourhood. Level street, just off Cape Horn & 2 blocks east of Mundy Rd. Great view of Mount Baker & the new Port Mann. This 2500 sq ft home features five bdrms with a deluxe master suite with enormous w/i closet and f/p. Updates incl: new double glazed windows, new fiberglass deck, new main roof and roof above carport. Two car carport RV parking & room for 6 vehicles on driveway. Easy to add a secondary suite!

CAPE HORN COQUITLAM $579,900

This 8yr old home backs onto the popular Vancouver Golf Course. Features include triple car garage, tile roof and two bdrm legal suite. Over 5200 sf of living space on three levels. Main flr includes living/dining rm plus spacious kitchen/eating area and family rm. Up are four good size bdrms. Besides the suite the basement has a games/theater plus bdrm and full bath for upstairs. Minutes away from Lougheed Hwy, Skytrain, Mall and Hwy 1.

WEST COQUITLAM $1,799,900

This 833 sf 2 bdrm & den unit is located at CENTERPOINT. This unit has 11ft ceilings & panoramic south, west & northern views from Richmond to Coal Harbour. Views from both bdrms which are on opposite sides. Great location; walk over the sky-walk to Metrotown + transit, & restaurants. Unit includes TWO parking stall + a storage locker. Immediate possession available!

SOUTH BURNABY $549,900

Quality construction provided by Park Ridge Homes. These townhouses have private entry facing the park. South facing backyards and views for main and upper floor. Bright and spacious open plan. Kitchen w/pantry, breakfast bar on island & comes with s/s appliances including gas stove. Up are 3 good size bdrms. Basement has separate entry to the backyard. MOVE IN TODAY!

BURKE MOUNTAIN COQUITLAM $499,900 - $529,900

This stunning air conditioned home offers exceptional quality & feats luxurious finishing’s. 8500 sf on three levels with a 15,540 sq ft lot. The four car garage is over 1200 sf. Main flr is open concept w/too many features to list. Five bdms up all with own full ensuites and w/i closets. The lower level provides a state-of-the-art theatre, games rm, gym & summer kitchen. Your fenced backyard features: outdoor pool & hot tub. Pride and ownership shown throughout. Brand new, including HST. Call for your private showing.

RANCH PARK COQUITLAM $2,250,000 INCLD HST

This brand new home in popular Burke Mountain features modern finishes throughout. Open concept main floor has hardwood through, 12ft ceilings and tons of windows. Great rm features floor-to-ceiling gas f/p with entertainment unit. Kitchen includes enormous centre island, high end appliances including gas stove. Up are four good bdrm and three full bath. Southern views from master & second bdrm. Basement includes games & theatre rm plus potential two bdrm suite. Move in today, price includes HST!

BURKE MOUNTAIN $888,800 INCLD HST

Pride of ownership show in this completely renovated two level 1266sq ft townhouse at “Kimmel Court.” This property is located away from the street, in a small 16 unit problem free complex. Up are three bdrms plus a den that is currently converted into a bdrm. Addit. feat include. Renovated kitchen, main bath, 2 year old dbl glazed wdws, new blinds & concrete fully fenced backyard.

GLENWOOD PORT COQUITLAM $314,900

This corner unit, two-level townhouse is located in the popular “Southborough” complex. Edmonds Skytrain at your doorstep, close to Highgate Mall and recreation. Includes three good sized bdrms and two full bathrooms to compliment a small family. 2 secured parking stalls and storage locker. Such a well-run strata with low maintenance fees!

BURNABY EAST EDMONDS $445,000

Location! Very quiet w/lots of mature trees providing a tranquil setting. Lrg private lot w/lane access to carport and addtl parking. This home is turn key ready. These proud owners have done everything; 2 yr old roof, new vinyl windows, re-insulated, high-efficiency furn, newer kitchen, painted inside & out. Ten minutes walk to major bus routes and West Coast Express and future Evergreen Skytrain. Flexible possession possible!

CHINESIDE COQUITLAM $575,000

Completely renovated house in Glenwood off Shaughnessy in Port Coquitlam. This house features double glazed windows, heated garage, newer back deck, and renovated interior. Main floor features hardwood throughout, newer kitchen w/open dining and living rm plus three bdrms and two full baths. Down has shared laundry with your potential one bdrm suite. Nothing to do but move in!

GLENWOOD PORT COQUITLAM $575,000

This three level, 3920 sq ft home is in a prime c-d-s location. Full 40 ft wide deck w/ 3 sets of sliding doors to enjoy the view breathtaking views of Mtn Baker. Extra large main floor with three good size bdrms up. Down is a full walk out basement w/games rm w/fireplace, 2 bed + nanny’s suite or inlaw accom. Downstairs long term tenants would like to stay & pay $1100/ month. Move in ready!

SUMMIT VIEW COQUITLAM $799,900

This four year old 4176 sq ft home is located in a c-d-s on a 1/3 of an acre in the popular Anmore. Nestled up in the forest with trails and greenbelt as your backyard with mountain views at the front. Open concept main flr with high end finishings throughout. Up are three good size rms with vaulted ceilings & all with ensuites. Fully finished walk out basement. Bonus three car garage. Nothing to do but move in!

ANMORE $1,550,000

Prime 15 unit gated complex safe & secure at “Brittany Place.” This corner end unit w/tile roof has a great view of Colony farms. Level driveway with two car garage. Over 3000 sq ft of living space with three bdrms and laundry upstairs. Main features formal living/dining rm with spacious kitchen, family rm and eating area. Basement with large media rm & access to your backyard. Easy to show!

CITADEL PORT COQUITLAM $549,900

2

UNITS LEFT

This four year old 953 sq ft two bdrm two bath corner unit is located at the “Verde” built by Onni. This corner unit has a larger covered patio overlooking Reeve St. and Gates Park. Great location minutes away from shopping, West Coast Express, public transit, trails and Riverside Secondary. Easy to show!

CENTRAL PORT COQUITLAM $299,900

NEW

LISTIN

GSpacious 814sf one bdrm plus den upper corner unit is located at the Bosa building - Legacy Towers. This unit has breathtaking North, East, South views. Features include granite countertops, stainless steal appliances, centre island and entertaining size private patio. Commuter’s dream; located half a block away from Holdom Skytrain station!

CENTRAL BURNABY NORTH $389,900

WHILE BUYING A HOME IS EXCITING, IT CAN INDUCE A BIT OF NAIL CHEWING. Much of that comes from worries about money and ending up “house poor.”

Some of the costs involved are small, and seemingly insignificant, but when added together they can really lighten your wallet. The Canada Mortgage and Housing Corp.’s website (cmhc.ca) has a long list of these expenses, but below are some of the more important ones to consider:Moving expenses: Whether you’ll be hiring a moving company or renting a truck and asking friends for help, there are likely to be moving expenses.Renovations or repairs: Can renovations or repairs be delayed or are some necessaryto do immediately?Service connection fees: Telephone, gas, electricity, cable TV, satellite TV, Internet, and so on, may charge service connection fees. Some utilities may ask you to pay a deposit.Appliances: Does your new home come with appliances or do you already have your own?Gardening and/or snow-clearing equipment: Will you need to buy any of this during the first year in your new home?Decorating materials: Do you want to re-paint or apply wallpaper? Do the floors need to be refinished or re-carpeted? Do you have all the tools you need for redecorating?

Even the best-planned budget can take a bit of a beating when moving: there seems to always be something you didn’t anticipate. So do your research – and don’t forget to leave a little wiggle room so that if the unexpected rears its ugly head, you’ll be prepared.

Janine DrueryEDITOR [email protected] me on Twitter at Twitter.com/JanineDruery

VICE-PRESIDENT, WALL2WALL MEDIAJacqueline Hill

EDITOR-IN-CHIEF, NATIONAL REAL ESTATESusan Legge

EDITORJanine Druery, Lydia McNutt (on leave)

DIRECTOR OF SALES, WESTERN CANADAJosh Heppner

CLASSIFIED ADSAmy Gagnon 604.422.7813

CONTRIBUTING EDITORSWayne Karl, Elisa Krovblit,Silvana Longo, Sara Duck (on leave)

PRODUCTION MANAGERBala Gnanapandithan

ART DIRECTORLee Cobhan

GRAPHIC DESIGNERMike Terentiev

PRODUCTION COORDINATORBala Menon

NATIONAL ACCOUNT MANAGER, MEDIATIVEPaul Slizys

PRINTINGMitchell Press

The Vancouver Resale Home & Condo Guide is published by Wall2Wall Media located at One Innovation Place, 2700 Production Way, Suite 500, Burnaby, B.C. V5A 0C2. Resale Home & Condo Guide is distributed throughout Greater Vancouver at free pick-up locations. This magazine carefully inspects all ads for accuracy, however, the publisher and the printer shall not be responsible for any mistakes, design errors or incorrect information which is provided by the advertiser or their representative. The advertising herein, including the photographs and all artwork, is the property of Resale Home & Condo Guide and not that of the advertiser. The advertiser has purchased the right of reproduction in Resale Home & Condo Guide only and does not have the right to reproduce the ad in whole or in part in any other place or publication without the consent of the publisher.

The entire contents of this publication are protected by copyright and are intended for the sole use of the public.

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Published by

RESALE HOME & CONDO GUIDE

Wall2Wall Media Inc. 4180 Lougheed Highway, Suite 102Burnaby BC V5C 6A7

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editor’snote

BUYING A HOME USED TO BE LIKE A FAIRY TALE – the story was easy to follow and there was always a happy ending. Times have changed and buying a homein today’s marketplace can have many unexpected twists and turns if you’re not properly prepared with the right information and resources.

Ensure you have a lawyer and a mortgage provider in place before you go home shopping, rather than rushing out to find these important resources mid-way through the process. Consider your lawyer and lender to be your fairy godmothers. Only they can grant wishes such as a smooth closing and a great mortgage rate that will save you thousands of dollars in the long run.

Decide what the must-haves of your home are before you shop and consider your location carefully. As I mentioned, make sure your fairy godmothers are along for the ride.

Resale Home & Condo Guide covers the realities of today’s housing market. It’s a great first step in the right direction to ensure you live happily ever after.

Happy home hunting!

Susan LeggeEDITOR-IN-CHIEF Wall2Wall Media, [email protected]

Follow me on Twitter at Twitter.com/SusanLegge

FOR A HAPPY EVER AFTER

Seek professional help

ADD UPSmall costs can really


Realtor team Fraipont and Manyk of RE/MAX LifeStyles Realty in Maple Ridge want to make your real estate dreams come true.

Whether you’re selling or looking to purchase, the unique team model o� ered by Gary Fraipont and Lorraine Manyk o� ers a positive

professional experience for each client that includes one-on-one personal service from a full-time Realtor. � e support of an administrative sta� working behind the scenes and pro� cient real estate marketing experts will give each property maximum exposure while honing in on the search for your new home that’s perfect in every way.

DEDICATED MEMBERS OF THE MAPLE RIDGE COMMUNITY

“Listening to our clients. � at’s the biggest di� erence,” says Gary who has called Maple Ridge his home since 1955 and has been a local realtor for almost 30 years. “We don’t try to sell just what our company has on the market. We listen to what’s important to our clients, help them identify what they want, and narrow down the search to the best properties that the Multiple Listing Service has to o� er that matches their key criteria.”

Gary is a member of the RE/MAX Hall of Fame and has also been the recipient of the RE/MAX Lifetime Achievement Award. A consistent member of the RE/MAX 100% and Platinum Clubs (the top one per cent of all RE/MAX sales associates), and the Vancouver Real Estate Board’s Presidents Club, (the Real Estate Board’s top one per cent), Gary has a high level of skill in the marketing of all types of residential homes and commercial-investment properties.

While negotiating a fair price and finding properties is Gary’s strength, his professional partner Lorraine, also a long-term active resident of Maple Ridge, is partial to the relational side of real estate. Lorraine is also a member of the RE/MAX 100% Club and most recently earned the RE/MAX Hall of Fame Award.

“I love working with people and developing relationships with our clients who o� en become lifelong friends,” says Lorraine. “We have many � rst-time buyers as clients who recommend us to their friends and family because of our personal, professional service and throughout their lives we help them move

up and move down in the real estate market.”Gary and Lorraine have been working together

since 1996, serving the Maple Ridge, Pitt Meadows, Langley and Fraser Valley communities.

ASK US WHY IT’S A GREAT TIME TO BUY A HOME

“Right now there’s lots of inventory on the market, and we feel con� dent we can negotiate a great buy for our clients. It’s also the perfect time to move up as the price spread is not that signi� cant.”

Both Gary and Lorraine are proud to be among the top selling real estate agents in the area, with over 6,000 past clients. � eir well-tested maxim has guided their success: Start small, think big, work hard and provide a level of service that keeps clients coming back for life!

Call Gary Fraipont and Lorraine Manyk today at 604-466-2838, or visit them personally at the RE/MAX LifeStyles Realty o� ce at 22308 Dewdney Trunk Road in Maple Ridge.

realtorprofi le

Fraipont & ManykProfessional teamwork

achieves professional results for our buyers and sellers

“We listen to what’s important to our clients, help them identify what they want and narrow down the search to the best properties that the MLS has to offer that match their key criteria.”

(Gary Fraipont)“I love working with people and developing long term relationships with our clients who often become lifelong friends.”

(Lorraine Manyk)

B Y J A N I N E M AC K I E

Dec. 07, 2012 - Jan. 04,, 2013 Resale home & condo Guide 7

MISSION

SaleS

Oct ‘12 Oct ‘11

34 41

- 2

3 2

Detached

Attached

Apartment

active liStingS

Oct ‘12 Oct ‘11

323 412

27 31

32 31

neW liStingS

Oct ‘12 Oct ‘11

76 89

5 5

9 4

average Price

Oct ‘12 Oct ‘11

$381,020 $346,643

- $197,500

$165,666 $182,000

WEST VANCOUVER

VANCOUVER

RICHMOND

BOUNDARY BAY

SOUTH

ARM

ROBERTS BANK

SURGEON BANK

FRASER RIVER

BURNABY

COQUITLAM

PORT

COQU

ITLA

M

PITTMEADOWS

ABBOTSFORD

U.E.I.

lower Mainland & Fraser valley

This indicator shows the relative balance between the demand for homes and supply of homes on the market. A high ratio denotes a market that is more in favour of sellers, creating upward pressure on prices. A low ratio reflects a market in favour of buyers, putting downward pressure on prices. A balanced market is generally associated with a ratio between 0.15 and 0.20, where pressure on home prices is considered neutral.

Fraser Valley real estate sales-to-actiVe-listings ratio

source: Fraser Valley real estate Board

PORT MOODY

Mission

LANGLEYCITY LANGLEY

NORTH VANCOUVER

SURREY

WHiterocK

MAPLERIDGE

NORTH DELTA

MISSION


Refinancing to Ease Holiday Spending Woes

By Alisa & Jorge Aragon, Mortgage & Leasing Experts

Planning ahead really can save you money down the road. And with the high-cost holiday gift-buying and entertaining season quickly approaching, this may be the perfect time to refinance your mortgage and free up some money instead of relying on high-inter-est credit cards.

You may find that taking equity out of your home will help bring joy back into your holiday season – and start the New Year off on a debt-free note, as you may also be able to use some of the equity in your home to pay off high-interest debt such as your credit card balances. This will enable you to put more money in your bank account each month.

And since interest rates continue to hover near historic lows, switching to a lower rate may save you a lot of money – possibly thousands of dollars per year.

There are penalties for paying your mortgage loan out prior to renewal, but these could be offset by the lower rates and extra money you could acquire through a refinance.

With access to more money, you’ll be better able to manage both your holiday spending and existing debt. Refinancing your mortgage and taking some existing equity out could also enable you to do many things you’ve been longing to accomplish – such as purchasing

an investment property, taking that well-deserved vacation, renovat-ing your home or even investing in your children’s education.

Paying your mortgage down fasterBy refinancing, you may extend the time it will take to pay off

your mortgage, but there are many ways to pay down your mort-gage sooner to save you thousands of dollars in interest payments. Most mortgage products, for instance, include prepayment privileg-es that enable you to pay up to 25% of the principal (the true value of your mortgage minus the interest payments) per calendar year. This will also help reduce your amortization period (the length of your mortgage), which, in turn, saves you money.

You can also increase the frequency of your mortgage payments by opting for accelerated bi-weekly payments. Not to be confused with semi-monthly mortgage payments (24 payments per year), ac-celerated bi-weekly mortgage payments (26 payments per year) will not only pay your mortgage off quicker, but it’s guaranteed to save you a significant amount of money over the term of your mortgage.

By refinancing now – before the holiday season is in full swing – and planning ahead, you can put yourself and your family in a better financial position.

Mortgage & Leasing Experts DLC Casa Mortgage Inc.

New Mortgages • Renewals • Debt Consolidation - we will help you save money

First Time Homebuyers • New Immigrants - you can own your home a lot sooner than you think

Construction & Renovation • Commercial - we have the best option for your business

Alternative & Private Lending - you have another option when traditional lending is not available

Investment - build your real estate portfolio with great rates

Leasing & other non-banking solutions - conserve your cash for working capital We make the process fast and simple, give you all the necessary information, always take a personal approach and explain in detail every step of the process.

We work for you, at your convenience, at your location… all at no cost to you!

www.NuestraHipoteca.ca (Servicio en Español)

Alisa Aragon 778.893.0525 [email protected]

Jorge Aragon 604.931.9000 [email protected]

YOUR NEEDS ARE UNIQUE…

WE HELP YOU FIND THE RIGHT MORTGAGE!

www.YourMortgageSolutionsGroup.ca


B Y P E T E R K I N C H

What’s all the fuss about a ‘MARKET CORRECTION’?

Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action PlanVisit peterkinch.com or contact him at [email protected]

themortgageminute

Pick up any newspaper today and no one could blame you if you get a little worried about the state of the

economy or the fear of a pending market correction in Canadian real estate. What if Greece defaults? What about the Fiscal Cliff in the U.S.? Are Canadians taking on too much debt? Have mortgage rules gone too far? Is there a housing bubble about to burst? What if there is a market correction?

The real question is: “Do Canadian homeowners or prospective buyers need to be concerned?” Every time there is talk about a market correction in Canadian real estate, the tone is quite negative. But let’s take a closer look at that situation: rather than argue about whether we may have a market correction, let’s analyze what it really means to Canadians if there is one.

FIRST-TIME HOMEBUYERS:If you’re a first-time homebuyer, you

have likely felt the pinch of the rising cost of housing, and the new mortgage rules certainly haven’t helped. So a slight market correction would be welcome news for you; you can still get into homeownership with only five per cent down, but since your maximum amortization is now limited to only 25 years, a drop in pricing is exactly what you’ll need to be able to get into this market. Conclusion: A market correction is a good thing for you.

CURRENT HOMEOWNER BUYING OR SELLING – MOVING UP OR DOWNSIZING:It is very rare that someone buys something without selling something first, and vice versa. If you are a homeowner and you’re looking for the right time to sell your house so you can buy another, you may be concerned that the price of your current home is dropping. But let’s take a closer

look at that: assume the value of the house you are selling drops by 10 per cent. Let’s also assume that you plan to buy another home (whether upsizing or downsizing). The key to remember in a downturn market is that the person selling their home to you is going through the exact same thing. In other words, if the value of your home dropped 10 per cent, so too did the value of the new home you are buying. Focus on what your bottom line “net” is, rather than what you thought or had hoped to sell your home for.Conclusion: in most cases, the net effect of a market correction is zero.

REAL ESTATE INVESTOR OR SECOND-HOME BUYER:

If you are buying real estate as an investment, either for cash flow or as a second home, then this is the perfect market condition for you. When there are more sellers than buyers, you have more bargaining power. If you are able to negotiate a better deal and pay a little less for the property you are looking for, it simply makes the deal that much more affordable.Conclusion: you should be hoping for a market correction.

CURRENT HOMEOWNER WITH NO PLANS TO SELL:

The majority of Canadians fall into this category, and let’s be honest – the single biggest reason we worry about a housing correction is the fear that it will erode our home equity and net worth. Over the last decade, a significant amount of the net worth of Canadians has been tied up in their home equity, and this has provided the foundation for a lot of retirement plans – so there is obvious concern.

But should there be? Again, let’s look at the facts. For the majority of Canadians,

the plan is to stay in their current house for at least the next three to five years. So here’s a simple fact: equity is only gained or lost the day you sell. In other words, if the value of your house were to drop by 10 per cent tomorrow, you may feel anxiety over the drop in your net worth – but it would only be on paper unless you actually sold your house tomorrow. If you have no intention of selling soon and you can still afford your monthly payments, then all you need to do is sit and wait and go about your normal life until the market bounces back – which it has always done for the past 100 years.Conclusion: a market correction may very well have zero impact on you.

In the end, the headlines will continue to talk of impending market corrections. The key for you is to decipher one of three things:

1. Is this a real concern for you?2. Is this an opportunity? Or,3. Am I just getting worked up about

nothing?

Bottom line: a lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to.


Expert Advice In The Mobile and Manufactured Home Market

[email protected] • a#6 - 9965 152nd Street, Surrey, B.C.Les Wellman

604-581-3838

Did you know a mobile home can be purchased for as little as 5% Down? We have 60 MORE MOBILES . . . Including seniors parks, family parks, singles, doubles and strata pads. There may be one for you!C H E A P E R T H A N R E N T

GATED COMMUNITY Double wide on corner lot with central air, 2 bedrooms two 4 piece baths, family room 5 newer appliance newer furnace 7 yr old roof all windows double glazed small pet O.K. MLS # F1219564.

PET O.K.1980 14 X 66 Moduline with $10,000 Handi-cap walk-in tub. $6,000 emergency natural gas generator which will carry the entire load of the mobile. Roof redone 2012, H.W.T 2011. Home has earth quake tie downs. New laminate flooring This is a must visit. MLS #F1219738.

WHITE ROCK AREA2 bedroom double wide with 2 bathrooms, skylites, gas fire place 5 appliances. Large treed private lot with visitor parking close by. Huge covered patio and a wired work shop. MLS#F1219507.

IT’S A BEAUTYDoublewide in Breakaway Bays in White Rock Area. New furnace New F/S, W/D, D/W and window coverings 5 min. to beach and U.S Border. NO H.S.T. or Transfer tax. MLS# F1204904

$69,900 $43,000$39,900 $69,900 AGE RESTRICTED 45 + FAMILY PARKFAMILY PARK FAMILY PARK

39 145#280 258

PET O.K.2 bedrooms on corner lot 5 minutes to W/R beach and U.S. Border. all appliances are 4 years old H.W.T. replace 08 There is a wired 12 X 12 work shop off of the covered patio. Pad rent $838 includes Electricity, Water, Sewer, Garbage and taxes on the land. No H.S.T. or Transfer Tax. MLS #F1226558.

PET O.K.3 bedrooms with a newer furnace, double glazed windows, Appliances recently replaced. Huge lot with free R.V. parking and room for 4 vehicles. MLS# F1226726.

$26,900$26,900FAMILY PARKADULT PARK

12268

VACANT2 Bedroom 14 x 70 1999 with an addition. Storage Shed & Garden. Wow Hunny, you can have the Veggies in the garden. Huge yard with storage shed and Greenhouse. Free RV parking in storage on on your lot. Room for 4 vehicles. Covered Patio for BBQ’ing, F/S, W/D, D/W, Thermal Window all included. Small pet OK. MLS# F1222764

COMPLETELY RE-DONEWOW wait to you see this baby and the pride of the owner. Furniture could be included This is a turn key home. Just move in and it is vacant. Small pet O.K. only minutes to Sky Train. MLS# F1120911.

VACANT3 bedroom 2 bathroom located in corner lot in a gated community. small pet o.k. move tomorrow. MLS #F1117815.

$69,900 $59,900 $39,900ADULT PARK ADULT PARK 25 + 45 PLUS PARK

52 16 43

008

8104

_49

12

ELECTRICITY INCLUDEDWow 3 bedroom and two 4-piece bathroom 12 Sq. Ft for $38,000. # large bedrooms. F/S, W/D, A/C and freezer all included. 5 min to White Rock Beach and U.S. Border. MLS# F1217247.

IT’S A BEAUTY 2 bedroom completely re-done in today’s modern color scheme. New appliances new flooring, new bathroom tub, sink and toilet. MLS# F1220467.

4 BEDROOMSWow 4 bedrooms or 3 and and a den with two bathrooms which includes stand up shower and soaker tub. F/S, W/D, D/W and two A/C units. Larger dogs allowed but no vicious breeds. Fenced facing south back yard. MLS# F1217299.

OWN THE LAND14 X 70 with huge addition, 2 bedrooms, gas fireplace, all double glazed windows, torch-on roof, new hot tub,jetted tub in bathroom, near new side by side W/D Skylites New Kitchen cupboards. Large covered patio. This is a gardners delight. COME SEE THE PRIDE OF THE OWNERS. MLS# F1223860.

$39,900$26,900 $88,000$249,900FAMILY PARKFAMILY PARK ADULT PARKSENIOR PARK 55+

3916057 102

VACANT1995 14 X 70 2 bedroom mobile in Greentree Estates pad fees only $445.00 per month which includes water, sewer, taxes on the land and garbage. door to door mail delivery. Vaulted ceiling W/D, D/W, S/F and thermo double glazed windows all included. MLS #F1216330.

$77,777SENIORS PARK

10

NO PETSFernridge Double wide 3 bedroom two 4-piece baths, 5 appliances, two storage sheds and two covered patio’s one one each side of home. Gas fireplace, roof has been replaced. Vacant, you can move tomorrow. Hurry cause you do not want to miss out on this beauty. MLS #F1223129.

$88,000 SENIORS PARK

236WHITE ROCK AREA

Double wide with 2 bedrooms and two 4-piece baths, family room, study, dinning rm and work shop 1400 sq ft. vacant move tomorrow HWT 2009,earth quake tie-downs, $20,000 spent in 2009. Small pet allowed. No HST or Transfer tax. MLS #F1226298.

$69,900FAMILY PARK

296


homebuyers’ help

Are you dreAming of spending summers At a lakefront cottage? or maybe you’ve always wanted to own a condo as an investment? Whatever your reason for wanting to purchase a second property, knowing your financing options before you buy is crucial to avoid surprises down the road.

“financing the purchase of a second property can be complicated at first glance,” says farhaneh Haque, regional sales manager, mobile mortgage specialists, td Canada trust. “A team of experts such as your mortgage lender, real estate agent or builder and insurer can take you through the process and help you decide what you can afford.”

Three things to consider:1. you may be able to use the equity in your home as a

down payment for your second property. using this equity you’ve built up is one way to contribute to the minimum 25-per-cent down payment required for investment and cottage properties.

Quick tips for buying a second property

2. if you need financing, set up a new mortgage for your second property. Also, you must have sufficient income to carry all debts, including your primary residence. for most investment and vacation properties, financing can be provided using a standard mortgage. All of the different options and terms available when financing your primary residence are also available on your second property.

3. most insurance policies for vacation homes are “named perils” versus “comprehensive” policies. named perils means you have protection for specific risks named in the policy such as fire or smoke damage. other risks like water damage or vandalism can be more difficult or expensive to obtain coverage for because there isn’t someone living there year round, which increases the security risk. insurers such as td insurance will work with you to determine what the best policy is for you and explain what each term means.

more information is available online at tdcanadatrust.com. nC


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