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Real E!ate News Le"er

March 2013

The Sellmates Selling in 2013 Thinking of selling this year? The market is strong, interest rates are low, and there is no better time than now. We can offer you many useful tools and great information, specific to your home and neighborhood, which will help prepare you for the hot spring market. We are happy to have the opportunity to give you an opinion of value on your home, discuss a marketing plan and ultimately get you the biggest bang for your buck! Buying in 2013 Whether you are looking for a second property to enjoy, an investment property to increase cash flow, or you are first time homebuyers we can assist you in finding the perfect place that will suit your unique needs. Listings have been flowing into the market since the New Year now; many fantastic deals are available for buyers!

Tax credit supports seniors to make modifications to their homes to improve accessibility. This is referred to as The Healthy Homes Renovation Tax Credit Act, passed only in 2012. This tax credit will increase employment important to the housing market in Ontario, support the use of professional contracts and ultimately encourage seniors to stay in their homes longer. The credit is worth up to $1,500 each year, calculated as 15% of up to $10,00 in eligible home renovation expenses. It can be collected by seniors aged 65 and up who either own or rent their house. This also applies to those who share a home with a senior relative. For more information on this please contact Jane or Alex for the Ministry of Finance application process or visit !

Are you thinking improvement costs of doing some to assist you with home renovations crunching some but just not sure numbers. This report where to start? was done by Carson When thinking Dunlop, and about how to coverers all the improve your essentials from current living space, roofing, insulation, money is usually structural to heating the determining and cooling factor. It is not cheap to do home renovation, and the question “will I get my money back?� is always a concern. Contact Jane or Alex for the most recent report of home

The takes place at the Toronto International Centre Apr 5th to Apr 7th. It is a great opportunity to view the different types of waterfront listings showcased there, from rustic cottages to spectacular timber framed homes, many around the Kawartha Lakes.


Real E!ate News Le"er

March 2013

The coloured pie graph represents how buyers found the house they bought. It is great information, as it directs us to where time and energy should be spend marketing your property. This allows for your home to be advertised in the most beneficial way.

Annual Average Peterborough MLS® Sale Price

$300,000.00 $225,000.00 $150,000.00 $75,000.00 2000 2002 2004

2006 2008



List your property with “The Sellmates” and receive maximum exposure! We understand that the majority of buyers begin their search on the Internet, knowing this; we are constantly looking at technology trends to target consumers on a broad scale.

virtual tours

Professional interior/exterior photos

news paper advertisement Twitter updates weekend open houses


Facebook posts


Real E!ate News Le"er

March 2013


Active listings from Jan 1 /13- Mar 1 /13 Average list price in 2013


Average list price in 2012


Average sale price in 2013


Average sale price in 2012


★ Inflation is expected to remain relatively controlled in the months ahead before gradually rising to reach the 2 per cent target by 2014. This increase is over the projection horizon made by the Bank of Canada.


Overall appreciation

Ways to pay off y$r mo%ga& fa!er... 1. Increase the amount of your payments. Paying as little as an extra $50 a month can save you thousands and pay off your mortgage years sooner. 2.Renewing at a lower interest rate, and keep the monthly payments the same.

3.Choose an “accelerated” payment plan. This will equal the equivalent of one extra monthly payment per year 4.Ensure that you have a “prepayment” option for your mortgage, and when you can, make lump sum payments.

Who doesn’t love the smell of freshly baked goods through the house? Having that comforting smell can help create the that “homey feel” that buyers love. Why not glue some cinnamon stick around the edge of those plain jane candles you may have lying around. This is a simple way to get those warm aromas flowing through without having to spend the afternoon in the kitchen baking spiced muffins.

What to expect...

The Bank of Canada is becoming more comfortable with consumer debt and the housing market. The Bank referred to recent developments in the housing sector as “constructive”, and believes that amount of debt per household will soon decrease, eventually the debt-to-income ratio will stabilize. Economic growth is expected to remain modest but positive. Real estate development and activity is predicted to stabilize at a more sustainable level. The Bank will be in no hurry to raise interest rates during 2013. As of March 6th, 2013, the advertised five-year lending rate stood at 5.24 per cent. It has been unchanged at this level since the beginning of June 2012. PAGE 3

Real E!ate News Le"er

March 2013


Experience makes a difference; Jane Campbell has been selling real estate in the Peterborough and surrounding area for over 25 years. She has sat on various committees, and in 2006 was President of the Peterborough and Kawarthas Association of Realtos. Jane was the lead organizer for the realtor fund raising done for the PRHC, raising more than $105,000 for the new hospital! Earn 2 AIR MILES reward miles for every $1000 of property value bought or sold through a participating CENTURY 21 office to a maximum of 1500 reward miles per transaction.

On a final note.... We are excited about the promising year ahead. As a team, it is our pleasure to answer any of your real estate questions, and or assist you with all your real estate needs. The highest compliment you can give us is the referral of your family, friends and associates. Thank you for your trust. Jane Campbell

Alex Campbell

Sales Representative

Sales Representative

Alex Campbell brings a new, modern set of skills to the mix! Before selling real estate she completed her mortgage license and worked alongside one of the top Mortgage Brokers in Canada. Alex has learnt the most current information being taught today, paired with mortgage experience and a flare for social media, she has valuable insight to offer.

The Century 21® Brand in the most recognizes name in real estate today.*

With approximately 7,000 independently owned and operated franchised brokerages, including 100,000 real estate professionals, the CENTURY21 brand has made a mark in 73 countries world wide. The community involvement and fun-raising in our office is significant each year, heavily supporting Easter Seals and Christmas Toy Drive. Our mission is “To give the best service to all its buyers and sellers through conscientious golden rule thinking. This is backed by training, Accountability and Supportive Management.

CENTURY 21 United Realty Inc., Brokerage* 387 George Street South , PO Box 178 Peterborough, ONK9J 6Y8 705-743-4444 (fax) 705-743-9606