Is now the best time for you to buy a house?

Is now the best time for you to buy a house? 

 

 

The market has seemed to have cooled down a bit, this is what you've been waiting for right? But now you are just really concerned about rising interest rates, and what the banks are up to, interest rates are just so "high" now compared to last year. There are no longer a whole bunch of multiple offers to complete with buyers are now more in control than they have been in the last couple of years. A higher interest rate can work in your favour if you are currently renting.

Here's how:

Every payment you make gets your mortgage down building equity in your home. How much equity are you building while renting from someone else, and waiting for the time to be right in the market? 

The reality is a 6 or 7% interest rate is way more appealing than the 100% interest rate you are paying to your landlord. You are building equity for them when you could be building equity for yourself. It just makes more sense to want to build equity for yourself and not someone else. Don't be off-put by the interest rates talk to your bank or your favourite mortgage person today, and if now is time for you to buy a house, give me a call so we can get you on the right track to finding your dream home.

 

 *When your recreation or waterfront property is no longer rainbows and sunshine, we offer concrete solutions to Life‘s curveballs. Call us today for a clear path. We will look after it.* 705-927-6236

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Brad Sinclair

Team Lead “The Brad Sinclair Team”

Sales Representative

Royal Heritage Realty, Brokerage

Visit my website! www.bradsinclair.ca

Call Or Text me 705-927-6236

Your Cottage Country Inside Source

Waterfront-Commercial-R.E. -Investing

**Not intended to solicit buyers or sellers under agency contract**

Kawartha Cottage Rentals IGuide Photography System

 

Kawartha Cottage Rental IGuide Photography System is another tool in your rental toolbox to attract and secure more bookings.  A brief overview of the pros of using this system.

Why iGuide?

Our iGuide system is a proven system that we use to sell our waterfront properties. It is the most efficient system that showcases a home, and cottage to prospective buyers. It allows for faster decision-making, better planning, and easier navigation, including accurate floor plans, 360° images, room dimensions, photos, and more!  IGuide Waterfront Cottage Photography offers a host of features sure to impress potential renters

Here are the main reasons why prospective buyers and agent prefer virtual tours over videos of listings:

1) iGuide Virtual Tours Are Self-guided: One of the biggest and most important differences between a video tour and an iGuide Virtual Tour is that iGuide Tours are solely self-guided/interactive.

2) iGuide Virtual Tours Are Fully Immersive: iGuide is an immersive experience that provides the sense of actually being at the property.

3) Virtual Tours Don't Rely On Long Attention Spans:  Kawartha Cottage Rentals IGuide Photography & Virtual Tour places the controls in the hands of the viewer and allows them to explore the property as they'd like, on their time frames. Whereas a video experience is linear and guided by the camera operator. The viewer has to wait for the camera operator to take them through the home, or strategically fast-forward the video until they find the room they are wanting to see.

 

A quick look at images and floor plans offered by the IGuide System.[/caption]

4) Video Tours Cannot Achieve HDR and Bracketing: Regardless of whether too much or not enough light is flooding a room, the essential professional feature of HDR and Bracketing will be absent from most video tours.

5) iGuide Waterfront Cottage Photography Separates The Serious Buyers From The Tire Kickers: Prospective buyers that contact an agent after taking an online virtual tour are far more likely to be serious about buying the property than a neighbor and their friends who show up at an open house for something to do on a weekend. Kawartha Cottage Rentals IGuide Photography & Virtual Tours are valuable in that they can make people want to see a property and they have the ability to show people that they don't want to view a particular property for whatever reason.

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Brad Sinclair

Team Lead “The Brad Sinclair Team”

Sales Representative

Royal Heritage Realty, Brokerage

Visit my website! www.bradsinclair.ca

Call Or Text me 705-927-6236

Find out what you don’t know

**Not intended to solicit buyers or sellers under agency contract**

Here is a handy credit tip

 Take advantage of pre-authorized payments 

If you are finding it hard to keep up with your credit card payments and are falling behind and missing payments each month. A great option to utilize is pre-authorized payments. This allows your credit card company to go in and take your minimum payment every month making your payment on time. This option is fantastic because you will never be late or miss a payment. Then you can later go in and make another payment when you have the money to do so, therefore, paying off the balance more quickly.

 Missed payments affect your credit score greatly, so if you are having a hard time keeping up and are falling behind utilize this option. But remember don't just set it and forget it. Paying bills and dealing with debt can be so stressful why not take some of that stress away by setting up pre-authorized payments for your credit cards? It's fairly simple to set up and fairly easy to cancel - each company has different policies - most cards have online/app. options or you can call the credit card company to get set up. Start to take control of your debt.  

*When your recreation or waterfront property is no longer rainbows and sunshine, we offer concrete solutions to Life‘s curveballs. Call us today for a clear path. We will look after it. *

To receive market updates, new listings, tips, tricks and more subscribe to our newsletter!

Brad Sinclair

Team Lead “The Brad Sinclair Team”

Sales Representative

Royal Heritage Realty, Brokerage

Visit my website! www.bradsinclair.ca

Call Or Text me 705-927-6236

Your Cottage Country Inside Source

Waterfront-Commercial-R.E. -Investing

Thinking about a retirement move to waterfront?

Making the transition to retirement life can be difficult for some, if you are thinking of retirement perhaps you see yourself enjoying a beautiful waterfront home in the Kawarthas.

Some key things to consider when moving towards retirement are:

Type of Home - What type of home will best suit your new lifestyle? Will you need lots of room for extra visitors or do you just want something small with very low maintenance?
Activities - What types of activities will want to be doing on the water? Some of the smaller lakes do not allow for motorized boats so the activities you plan on doing will affect which lake you want to be on.
Taxes and cost of living - When moving you need to consider what that cost will be especially in your retirement years. A cheaper option for waterfront retirement life could be deeded access to the waterfront or waterfront nearby. We have a great option for this type of home to check it out Click here
Knowledge of your surroundings - How familiar are you with the area you want to move to? Since this is going to be your last move you want to be as comfortable as possible.
Healthcare - What is your health like? Will the location you choose have easy access to medical care if you need it?
Family - What will be your proximity to your existing family, do you want to be close to them?
Population density - How close are the other people that you will be sharing the lake with?
Services - Do you want to be able to have cell phone and internet services? Most lakes nowadays have these services but there are still areas that have no services.

Whatever your retirement plan may entail if it includes a waterfront home give us a call we will look after your real estate needs from beginning to end!  705-927-6236.

To receive market updates, new listings, tips and tricks and more subscribe to our newsletter!

Brad Sinclair

Team Lead “The Brad Sinclair Team”

Sales Representative

Royal Heritage Realty, Brokerage

Visit my website! www.bradsinclair.ca

Call Or Text me 705-927-6236

Your Cottage Country Inside Source

Waterfront-Commercial-R.E. -Investing