March 18, 2014

home REAL ESTATE RESOURCE GUIDE 2014

Bright Future for LANGLEY

In the Market Now Real life success stories

Let Your Home Take CENTRE STAGE

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home REAL ESTATE RESOURCE GUIDE 2014

Welcome Home The Langleys’ have become one of the most attractive places in Canada to purchase a home or condo and enjoy all the wonders this beautiful community has to offer. Langley has it all including a robust retail sector, quality schools, a wide assortment of recreation facilities, service clubs, churches and desirable climate. It is truly where country meets city. Purchasing a home or condo can be a daunting experience as we are often diving into uncharted territories. What type of home would I like to purchase? In what neighbourhood? How do I find a quality realtor who will listen to my needs? What type of mortgage and insurance do I need? How do I choose a home inspector? What type of decorating options do I have? We hear these questions on a regular basis from our valued readers and have decided to publish “Home,” a quality editorially-driven magazine which is Langley-centric with the objective of giving the audience good quality content to make educated decisions. We trust “Home” will be a great resource for you and your family and we wish you all the best in your next Langley home search. Enjoy!

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contents Bright Future for Langley......................... 4 REALTOR® Value..................................... 6 10 Questions to Ask Your REALTOR® ...... 8 What is MLS? .......................................... 9 Additonal Costs ...................................... 10 Call in the Pros ....................................... 12 Let Your Home Take Centre Stage ........ 13 In the Market Now ................................. 14 Ready, Set, Decorate! ............................ 17 Investment ............................................ 22 The Right Insurance .............................. 23 Buy, Sell, Stay? ...................................... 24 Before You Buy ......................................27 Strata vs. Freehold ................................ 28 Mortgages ............................................ 30 Protect Your Property ........................... 33 Outdoor Living Space ............................ 34 REALTORS® on the Look-out ................ 35 Published March 18, 2014 by The Langley Times 604.533.4157 • 20258 Fraser Highway, Langley, BC V3A 4E6 www.langleytimes.com Publisher: Dwayne Weidendorf Asst. Advertising Manager: Kelly Myers Sales Team: Sonia West, Sherri Martin, Tammy Berry, Torrie Watters, Barb Sytko & Janice Reid Creative Designer: Brittany Best REPRODUCTION IN WHOLE OR IN PART IS PROHIBITED.

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home

Bright future for Langley M e s s a ge f ro m t h e F ra s e r Valle y Re a l E s t a t e Bo a rd

Buying or selling?

If the current status of the housing market is any indication, the Langleys (City and Township) are and will continue to be one of the most sought-after destinations in which to live and work in the Lower Mainland in the years to come.

In 2013, single family detached homes in Langley (the City and Township combined) saw the highest year-over-year increase in value – at 4.5 per cent – compared to all other communities in the Fraser Valley, outpacing increases in Surrey, White Rock and North Delta.

Based on January 2014 data from our Multiple

Listing Service® (MLS®), the benchmark price of a typical detached home in Langley is now $568,400.

In 2005, it was $399,000, an increase of 42 per cent.

As your local REALTOR® will explain, home values are dependent on many factors including property type, location, amount of available inventory, quality, amenities, etc. It’s clear from our data that areas in Langley such as Brookswood, Murrayville and Walnut Grove have been amongst the most popular communities in which to invest in the Fraser Valley.

Why is Langley such a popular destination?

Besides the obvious that it has some of the most

Welcome to the neighbourhood Fundamental Instruction, Montessori and Distance Learning programs deliver the B.C. Curriculum in ways that suit the emphasis of the program. Schoolbased programs allow for specialized courses while students continue in the neighbourhood program. School-based programs such as French Immersion or the International Baccalaureate program accept students from around the District if space is available. Students may also There are a wide range of programs and earn credits toward certification in a services in Langley Schools to meet the trade or earn dual secondary/postneeds of learners of all ages. There are secondary credits through some of our services to help those students with Career Education programs. Career special needs as part of our transportation Education programs are offered in diverse system as well as in the classroom. fields such as hairdressing, piping and There are Choice Programs at many plumbing, carpentry, horticulture and District schools that are designed to automotive service. meet the specific needs and interests of students. District programs like Fine Arts, For more information about any of these Langley School District programs please visit www.sd35.bc.ca or visit your neighbourhood catchment school.

Langley Schools make up an innovative, inspiring and unified learning community whose purpose is to inspire all learners to reach their full potential and create a positive legacy for the future. Every day in Langley Schools, students are learning in a connected, cohesive and accepting environment that stimulates relevant, meaningful choices for students to ignite their life-long passion for learning.

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To find your closest neighbourhood catchment school, visit www.sd35.bc.ca/schools/locator.aspx Langley School District #35 4875 222 Street, Langley (604) 534-7891 PUBLISHED BY THE LANGLEY TIMES •

home REAL ESTATE RESOURCE GUIDE 2014

home home Fraser Valley Real Estate Board President – Ron Todson beautiful rural properties and well-designed urban neighbourhoods in all of the Fraser Valley, it’s centrally located with easy access to transportation routes, offers new and improved shopping and recreation amenities, and most notably, offers families safe, vibrant, affordable communities in which to raise their children.

Credit has to go to the municipal leaders who are encouraging and fostering the growth of true neighbourhoods, like we all aspire to grow up in; communities with distinct personalities that are connected by walking paths and bike lanes and offer easy access to stores, parks, schools and work.

Over 500 Fraser Valley REALTORS® are headquartered in Langley. They are committed to making it the best community possible.

According to our members, 68 per cent of them volunteer within their community helping to improve the quality of life for fellow citizens.

You likely know a Langley REALTOR®, who coaches and fundraises, is heavily involved with organizations helping the homeless or less fortunate, serves on a local board of directors or a municipal council, and the list goes on. REALTORS® are compelled to give back where they live and work because their clients are also their neighbours; the neighbourhood in which

they specialize in as real estate experts is often their own.

In 2013, REALTORS® facilitated over 2,200 MLS® residential real estate transactions in Langley valued at $1.2 billion dollars. Many people may not stop to think about how the sale and purchase of MLS® homes in Langley directly and indirectly contribute to the local economy. It’s significant.

Research from the Canadian Real Estate Association shows that home buyers in BC spend on average $64,500 in ancillary spending when they purchase a home – expenditures in addition to the house and land – including taxes, professional fees,

Serving the community for over 15 years.

renovations, furniture and appliances. Based on Langley transactions alone, that would translate to $140 million dollars being added to the local economy in 2013.

Consider the number of direct and indirect jobs that investment supports.

The real estate industry will continue to be a major driver in Langley over the next three decades, as the population is expected to reach close to a quarter of a million people. The Fraser Valley Real Estate Board is proud of Langley’s evolution and remains committed to its very bright future.

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REALTOR® Value Fin d o ut wh y i t ’s w o rt h p a y i n g c o m m ission to a R EA LTOR ® During my career I have heard many versions of these two questions: “Why should I pay a REALTOR® to sell my property?” and “What do I get in return for the commission I pay?”

Many sellers believe that their REALTOR® puts a sign on the lawn, an ad in the newspaper and then waits for the property to sell. Generally, nothing could be further from the truth.

When a seller signs a listing contract, the REALTOR® makes a commitment to help their client obtain the highest price, in the shortest time with minimum inconvenience.

The REALTOR® provides objective and accurate information about current market value, allowing the seller to select the appropriate listing price.

When listing a property, a REALTOR® is trained to represent the seller by making sure the property information is accurately and attractively

presented to the marketplace. This includes careful compliance with provincial and federal regulations such as the Personal Information Protection Act, the Real Estate Services Act and the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) money laundering reporting requirements. The REALTOR® ensures that required disclosures are made at the appropriate times.

Once a listing is signed, the REALTOR® begins the expected marketing process which includes putting the property on the Multiple Listing System®, installing a sign, writing appealing print ads, creating feature sheets to leave at the property and holding open houses. In addition, many REALTORS® feature the property on one or more Internet websites and displays the listing at mall kiosks and at open houses for other agents. Giving the property maximum exposure can be expensive

but it is part of the commitment of the REALTOR®.

Much of the work of the REALTOR® is done quietly behind the scenes. REALTORS® invest time and energy in activities like qualifying potential buyers, arranging and tracking showings by cooperating agents and obtaining and sharing feedback from other REALTORS®.

REALTORS® are also trained to provide accurate advice and valuable assistance when dealing with the significant complexities of tenant-occupied properties, estate sales and foreclosure transactions.

One of the areas where a REALTOR® provides the greatest value to their client is negotiation. Writing an enforceable contract and negotiating a legally binding agreement are important services which are often taken for granted until there is a problem.

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PUBLISHED BY THE LANGLEY TIMES •

home REAL ESTATE RESOURCE GUIDE 2014

Jim McCaughan - REALTOR® & Managing Broker of Landmark Realty Corp Another generally invisible service is managing the transaction after acceptance of the offer and during the buyer due diligence period. This consists of arranging inspections, scheduling appraisals, obtaining strata documents (if applicable) etc. Sometimes this also involves handling real estate turbulence which includes things like appraisals lower than the sale price, problems discovered in a property inspection and other unexpected challenges.

The experience and guidance of the REALTOR® and their broker can usually overcome these challenges.

The final job of the REALTOR® is to do everything they can to ensure the smooth completion of the transaction.

This includes monitoring the conveyance process, confirming payment of the sale proceeds to the seller and a timely transfer of keys to the buyer. A good REALTOR® has the training, expertise and experience to assist clients to achieve their desired results.

Probably the most amazing aspect of the tremendous value REALTORS® provide is Guaranteed Results. The seller pays nothing unless they receive an acceptable offer. There are very few other professional service providers who are prepared to demonstrate their confidence in their ability to produce results for their client in this manner.

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Home owners should interview a few potential REALTORS® before deciding on one to sell their home. Here are 10 smart questions to ask. But remember, this is just a starting point. Your REALTOR® should be willing to answer any questions you have. After all, that’s why you hire the pros.

1. How long have you been in the business?

A freshly-licensed REALTOR® can do a wonderful job and will have upto-date training; those in the business longer bring more practical experience to the table.

2. How will your marketing plan meet my needs?

Specifically, how will you sell my home?

Where and how often do you advertise? Will you show me a sample flier? How do you market online?

3. Will you provide references?

Ask if any of the references are related to the REALTOR®. Ask if you can call their references with additional questions.

4. What separates you from your competition?

Key phrases to listen for: assertive, available by phone or e-mail, analytical, able to maintain a good sense of humour under trying circumstances.

5. Can you help me find other professionals?

Your REALTOR® may be able to provide a list of service providers who can help with things such as home inspection, staging, and renovations, legal and financial advice. Get an explanation if you see the term “affiliated”. It PUBLISHED BY THE LANGLEY TIMES •

could mean the REALTOR® is getting compensation from vendors.

6. How much do you charge?

Real estate fees or commission are negotiable and may vary from broker to broker.

7. How will you keep me informed?

It’s very important to be up-to-date with the process of selling your home. How will your REALTOR® keep in touch with you? Will you have regular meetings, in-person or over the phone?

8. How do you qualify potential buyers?

You’re looking for buyers who have the desire, means, and resources to purchase your home.

It’s your REALTOR®’s job to ensure that you’re not spending your time with deals that can’t be closed.

9. Do you have any questions for me?

An effective REALTOR® should be prepared with specific, in-depth questions about your home and needs.

10. What haven't I asked you that I need to know?

Pay close attention to how the REALTOR® answers this question, because there is always something you need to know - always.

home REAL ESTATE RESOURCE GUIDE 2014

home

What is MLS? The m o st re l i a bl e s o u rc e o f re a l estate inf or mation About three million Canadians visit REALTOR.ca each month, checking out over 500,000 properties listed by REALTORS® from across Canada. But did you know that REALTOR.ca is really just the tip of the iceberg?

The real storehouse of data exists out of sight, only visible to REALTORS®, in a complex, comprehensive database called the Multiple Listing Service® system or MLS®.

The MLS® concept has been around since the late 1800’s. It’s an incredible example of how REALTORS®, who compete with each other for business, agreed that by being cooperative and pooling together information about properties for

sale, they could better service their clients (“help me sell my inventory and I’ll help you sell yours”).

With all the listings in one place, buyers have a broad selection of properties to choose from. For sellers, they know that their listing will be seen by a large number of qualified buyers working with knowledgeable licensed agents.

Local real estate boards are responsible for creating, managing and financing the operation of a Multiple Listing Service® in their geographic area. The Fraser Valley MLS® was introduced in 1955.

In the early days, information was captured on rolodex cards and shared

around to their colleagues.

Then when the MLS® started taking shape, listings submitted to the MLS® were circulated as “tear-sheets”.

REALTORS® would then 3-hole punch them and update their binders accordingly. The move to computer database technology started in 1978 for the Fraser Valley Real Estate Board, and since then, REALTORS® have stayed at the cutting edge by pooling together resources and over the years, millions of dollars, thus ensuring they have the most up-todate, comprehensive data and systems with which to advise their clients and promote properties for sale.

Today, REALTORS® access a myriad of technology tools including contracts and

Fraser Valley Real Estate Board forms electronically, using a product developed by the Fraser Valley Real Estate Board in 1999, called WEBForms®. All information relating to the MLS® is handled in a paperless workflow, with several checks for accuracy and completeness of data reducing errors and costs for everyone involved.

Within hours of posting on the MLS®, a small portion of the data flows to a number of public websites for advertising purposes, including REALTOR.ca (residential listings), ICX.ca (commercial listings) as well as individual REALTOR®, brokerage and approved third-party websites.

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home

Additional Costs E x tr a s to thin k a bo u t w h e n bu y i n g y our home

Where Rock Solid Realtors Mean Rock Solid Results!

Most of us strive to own our own home but not everyone is aware of some of the other costs that go along with the purchase. As the type of residential home and location we choose will vary depending on our needs (apartment, town home or single family home), so will the additional costs that we are required to pay. The best advice is to talk to your Realtor to take the confusion out of the process.

One of the most significant costs is the Provincial Property Transfer Tax (PTT) which is charged on all property purchased in B.C. The amount of PTT you are required to pay is calculated from the purchase price. It is 1% on the first $200,000 plus 2% on the balance. A home sold for $500,000 will cost the buyer $8000 in PTT. This fee can be waived for some home buyers if they are residents of B.C buying their first home and the selling price is under $475,000. This fee is payable on completion date which is the day you actually pay for the prop-

erty and take ownership of the home.

GST is 5% of the purchase price of any new residential property. It is not applicable to previously owned properties.

There is some level of rebate of this tax if the property being purchased will be the principal residence of the new owner(s).

The rebate is applicable for purchases under $450,000. It’s important to know that a number of new home builders will include the GST in the purchase price.

Property Inspection costs start at about $375 for an apartment or mobile home, $400 for a town home and $450 for a single family home. The inspector will want to receive this payment on the day of the inspection following review of the report with the Buyer.

Lenders require a current Site Survey which is a plan showing the footprint of the house in relation to the property lines. Often times the previous owner or city hall will have a copy of this document but if it is not available the survey

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fee is around $1,000 (or more depending on the property type). Some lenders may also require Title Insurance. This insurance protects the buyer and the lender in the event of a defect in the title. The fee is typically around $250.

Financing application fees are typically waived by the lender but can be as high as 1% based on the amount of the mortgage. Mortgage financing costs vary depending on the lender’s policies and the buyer’s financial position. Currently, annual mortgage rates are at an all-time low and range from 2.55% for a variable rate mortgage to 4.9% for a ten year term. Mortgage Brokers can shop on the buyer’s behalf to a variety of lenders and get the buyer the best possible rate for a mortgage. Ask your Realtor to recommend a broker to assist you with obtaining financing.

Appraisal fees range from $250 to $400.

This fee is often waived by the lender and is worth asking for at the time of the mortgage application. Also, Lawyer/

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604.534.0667 OUTSTANDING Agents. OUTSTANDING Results.SM PUBLISHED BY THE LANGLEY TIMES •

home REAL ESTATE RESOURCE GUIDE 2014

home Deanna Horn – RE/MAX Realtor Past President of Fraser Valley Real Estate Board Notary fees are typically in the range of $1,000 for the purchase of a home.

When purchasing properties such as acreages and farms they frequently are serviced with private wells and septic systems. Inspection of these services is advisable and often required by lenders.

Septic inspections start at $300 and water tests are about $250.

Mortgage Insurance is charged by the lender on mortgages in excess of 75% of the value of the property. The mortgage insurance fee protects the lender in the event the buyer defaults on the mortgage.

In most cases, this fee is added to the mortgage. Currently, the fee based on the loan value is .65% to 2.75% but, is increasing, effective May 1, 2014, to .75% to 3.15%.

A Buyer purchasing at $350,000 with 5% down will now pay $10,473.75 compared to $9,143.75. An increase of $1,330.

Property Insurance must be in place on completion date at an annual cost of $1,000 or more depending on the property value.

Moving costs will of course depend on a number of factors: how much furniture and belongings you are moving, the distance of the move and the services you require (such as boxes) and the level of packing you want the movers to do. Hiring the services of a full-service moving company could amount to fees from $1,500 to $3,000 or more. Moving can be also be inexpensive such as the cost of a truck rental with friends and family helping.

By the completion date, the lawyer will have prepared a Statement of Adjustments. This lists some of the monthly/ annual fees you will have to pay like your portion of the annual property taxes. The lawyer will calculate the daily tax rate and apply your portion of these taxes based on number of days of the year you will own the property.

Don’t forget the costs for the hookup of cable, hydro, natural gas, etc. which are minimal and vary depending on the services purchased and the supplier. Buyers should also allow for home renovation

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repairs, strata fees, appliances, window blinds, decorating materials and gardening or landscaping equipment.

When making a move it is always advisable to work with a professional Realtor that can guide you through the entire process; negotiate the best price for the home you purchase and help you control the costs associated with the home buying process. Realtor’s commission fees are most often paid for by the seller and there is no set fee for a Realtor’s services.

It is advisable to have a conversation with the Realtor you choose and establish what their fees are and who is responsible for paying it.

While purchasing real estate has costs associated with it, history shows us that home ownership is a long- term, secure investment that appreciates in value while providing us with a comfortable place to live.

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Call in The Pros

Kristyl Clark Times Contributor

P r o f e ssio n a l s t o m a k e l i f e e a s i e r One of the most important and costly milestones you’ll go through in your life is the purchase of your first home. The excitement of owning your own home can be overshadowed by the intimidation of not knowing where to start. With the right professionals, the purchase of your new abode will make this important life change go as smoothly as possible.

Here is a step-by-step guide to making the transition to homeowner a seamless one.

Contact a Mortgage Broker The natural first step to achieving homeowner nirvana is to start applying for a mortgage – that way, you have an idea of what your price range will be and the properties that are within

your reach.

There are two different avenues that you could go about obtaining a mortgage.

The first option would be to apply directly at your financial institution through one of their appointed Mortgage Specialists.

Another option is to hire a licensed mortgage broker.

The nice thing about using a broker is that they pretty much do all of the work for you, including negotiations and paperwork. As a plus, if you have less than perfect credit, they will fight to ensure you’re getting a fair deal from the bank.

create a list of qualities you’d like to have in a home and those you could do without.

Going at it alone adds the stress of setting up viewings and having to negotiate a price. Not to mention that you wouldn’t have the same resources as a professional.

Do your research and ask around; you may find that most people you know can recommend a fantastic realtor who will listen to your needs and set up viewings based on your preferences. Once you’ve found your home, they negotiate a deal with your best interest in mind.

Hire a Realtor Before you hire a realtor, evaluate the type of dwelling you need based on your lifestyle and budget. It helps to

Hire an Inspector Once the deal is set, it usually is subject to inspection – you want to make sure your new home is suitable to live

"I can relate to the experiences that people looking for a mortgage are going through; I’ve been a new home buyer, renewed my mortgage, and consolidated debt following a divorce. The process can seem daunting, cumbersome, and time consuming. As a licensed Mortgage Broker, I can walk you through this process, simplifying it for you.

As a Certified General Accountant with 27 years of experience, I will provide you with professional, unbiased advice. I will carefully explain the best options so that you can make a sound, financial decision.

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in. Typically, your realtor can recommend someone who is both trustworthy and thorough.

The role of a home inspector is to evaluate the dwelling and notate anything that needs to repaired or alert you to unsafe conditions. I Contact a Notary Now it’s time for the legal end of things and that means you’ll need to hire an experienced and trusted notary public. If you’re unsure of who to hire, your realtor will be able to direct you to someone who will take care of all the legal aspects of the sale of your home. This includes the transferring of titles, handling of insurance, and prepare financial documentation, among other things.

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home REAL ESTATE RESOURCE GUIDE 2014

home

Let your Home take Centre Stage

Kristyl Clark Times Contributor

S ta g ing yo ur h o m e f o r s e l l i n g First impressions are important, especially when it comes to putting your abode on the market.

And with more housing developments popping up on the Langley landscape, making it a buyer’s market, competition to sell real estate is fierce.

In order to stand out and nab that ‘sold’ sign on their front lawn, many homeowners are opening up their wallets and hiring a home stager – an investment that can pay off big time, according to Sharine Kristoff, co-founder and designer for Room’r has it.

The Langley-based interior design/home stager and her business partner Dawn Sanders have beautified residential spaces for home staging and holiday decorating all over the Fraser Valley and beyond.

“Your home is one of many listed and you must have the ‘wow factor’ that the buyers are looking for,” said Kristoff, whose appreciation for vintage decor helps clients refresh the look of their living without having to break the bank.

“I love to restore and repur-

pose all things vintage and find unique ways to include these treasures into any decor theme.”

Even if one’s current decor scheme looks like something out of a decor magazine, they can still benefit from the help of a home professional.

“Professional staging removes the personal connection to the homeowner and looks to emphasize the best features of the home, appealing to a wider audience,” said Kristoff, who notes the prospective buyer can actually visualize themselves living there, as opposed to trying to look past someone else’s style.

“Not only will you attract more foot traffic, but your home is viewed as “well maintained,” which can yield a higher price than other comparables.”

Some empty their homes thinking it will help speed up the sales process, but that’s not always the cased, according to Kristoff.

“It is also a great idea to have the home staged if it is empty, this truly allows the prospective buyers that chance to see how their furnishings will fit in the new

layout, they love the clean, well maintained feeling that a staged home presents.”

And while your family photos may bring a smile to your face and remind you of special people and memories of days long ago, Kristoff advises sellers to take them down before they begin showing their home to potential buyers.

“This is recommended for a couple of reasons; firstly, de-personalizing the space allows the prospective buyer to emotionally attach to the house. Secondly, there should always be a safety consideration.”

When it comes to staging your home for selling, there are numerous little tricks that can make a big impact.

Kristoff and Sanders share their top 7 tips below: 1. Curb appeal must be considered - This is the first impression you are sending.

Sweep your walks and keep the lawn neat. Touch up any small dings or rough edges.

2. Make sure the entry/ foyer of the house is clear of clutter - Anything distracting at this point makes potential buyers think the house is too small.

3. De-personalize your space - Remove all items that speak specifically of your family, this includes the artwork from the refrigerator.

4. Maximize your space - Make sure that all the furniture is placed to maximize the best features of the room, don’t cover up the fabulous fireplace, or that big picture window that has an awesome view.

5. Cleanliness is Key - Make the beds and neatly store anything that doesn’t need to be used. Remove items from kitchen/bath counters, unless it is specifically decorative and even then be discerning.

6. Reduce the amount of clutter in rooms - to show the potential size of the rooms.

Remember, if the potential buyer sees a room that is too full, they immediately get the impression that this home will not be big enough for them.

7. Set the stage for inviting buyers in. Turn on lights etc.

Remember that the first impression is made in the first 5 minutes; make sure you make a great impression.

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www.greyfriarsrealty.com 13

home

In the Market Now

Kristyl Clark Times Contributor

A f ir st- tim e h o m e bu y e r’s s t o ry While Vancouver has been dubbed one of the most desirable cities in the world to live, Langley is quickly garnering a reputation for being a popular place for first-time home buyers to lay down some roots.

From single detached abodes to townhouses, condominiums and row houses – there is no shortage of options to call home-sweet-home.

The recent drop in housing prices has made it a real buyer’s market – a chance for young adults to finally dip their proverbial toes in the real estate market.

It was no easy feat, but Alexandra Baxfield-Dix and her husband Daryl were able to purchase their first home in Murrayville – a 1600 square-foot rancher with three bedrooms and two bathrooms on a 7000 square-foot lot – this past January.

“It took us quite a few years to save up enough of a down payment due to having to pay off student loans,” said Alexandra, who notes that the property transfer tax was a huge hurdle they had to overcome.

“Single detached homes in Langley don’t qualify for the first-time home buyer’s exemption due to their high costs. We didn’t have any help from our families, so we had to just be really frugal and every month put away as much as we could in a separate account that we agreed not to touch.”

With a 21/2-year-old daughter (Kathleen) and another baby on the way, the young couple had their heart set on raising a family in Langley.

In addition to living close to work the ‘community feel’ and proximity to nature, the 14

‘big city’ and a plethora of local amenities were factors in their big decision. “My husband and I like the idea of raising our children in a close-knit community like Langley where you can open the local paper and recognize

While Larissa Pearson, 32, and her partner Keith Felhaber, 33, have been watching the market for years, the young couple only recently started hunting for their first home in Langley. Tired of “paying someone else’s mort-

Alexandra Baxfield and her daughter Kathleen members of the community as people you grew up with and/or work with,” she said, also noting the close proximity to downtown Vancouver.

“It’s close enough that you can go down to Vancouver for a concert or a night out, but far enough away that you’re still living away from the hustle and bustle of the big city.

We also really love the rural feel of Langley and think it’s super neat that we can take a five-minute walk down the road and find horses in a field that our daughter can pet.”

The couple didn’t find their dream home overnight and experienced plenty of heartache on the way, notes Alexandra.

“We looked at houses in the Langley area for months and months before having success.

gage,” they’ve decided to take the plunge.

“We want to buy now as we need a bigger house ... and there’s no point in paying someone else’s mortgage when we can pay our own,” said Pearson, who currently resides with Felhaber and their two children in a basement suite in Walnut Grove.

The couple knew they could possibly get more bang for their buck if they were to migrate further out into the Fraser Valley, however, they’ve got their heart set on staying afoot in Langley.

“We love the sense of community here where we live now,” said Pearson, noting the close proximity to schools, friends and amenities.

“It’s so nice to be close to the great schools our kids attend and to the community PUBLISHED BY THE LANGLEY TIMES •

centre and their friends.”

Having both worked as realtors in the past, Pearson and Felhaber have a good idea of how the market works – the possibility of purchasing in Walnut Grove is a dream within reach, according to Pearson.

“Housing prices here don’t fluctuate that much as it’s a high-demand area. However, interest rates are being kept low, making it accessible to people. We know all the tips and tricks to find the gem. It may take awhile as we know what we want... it will be hard to find but we are in no rush until we find the perfect place.”

For an investment in the low 300,000’s, a young couple or young family starting out can get their foot in the market and live in a stylish, quality built three-bedroom townhome at Murrayville’s Winchester Estates .

The development by Parklane Homes offers an opportunity to not only own a new home, but also to get all of the home features, space, convenience and value that young couples are looking for.

“It’s the perfect opportunity for these couples to grow and start a family being a part of a neighbourhood that instills small town values and a strong sense of community,” said Kathy Stuparyk, a marketing manager for Winchester Estates.

Most first-time homebuyers are pleasantly surprised to learn that they can afford to purchase their first abode in Langley – one that has everything on their wish list, notes Stuparyk.

home REAL ESTATE RESOURCE GUIDE 2014

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home REAL ESTATE RESOURCE GUIDE 2014

home

Ready, Set, Decorate!

Kristyl Clark Times Contributor

M a k e yo ur n e w h o u s e i n t o a re a l h ome Purchasing a home is one of the biggest investments you’ll make in your entire lifetime. If it’s your first abode and your budget has been blown out the window from the costly moving process, you’ll probably be left with a lot of empty walls and vacant rooms for the first few months – even years after taking the plunge into the real estate market.

Fortunately, there are numerous ways one can furnish and decorate their new home-sweet-home without breaking the bank. Nor do you have to hire an interior designer for some ‘Pinterest-worthy’ charm that will leave your home looking and feeling cozy in no time.

For the latest scoop on home decor trends that

won’t cost you an arm and a leg, we’ve chatted with several experts in the industry – all of whom hail from the Langley area.

From home furnishing DIY decor to ways one can modernize and outdated kitchen, you’ll find a plethora of handy tips sure to appeal to any living space.

Here are 4 easy and affordable ways to turn your new house or condominium into a home.

1. Give your kitchen a mini face lift For those looking to make a big impact – an investment that won’t break the bank – the kitchen is an ideal place to start, according to Cindy Zhu of Cowry

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Cabinets Inc. Aside from being the hub of the household, a simple kitchen renovation can add substantial resale value, she says.

“The kitchen is the where we spend the majority of our time and do the most entertaining, which is why it’s always the ideal spot to start renovating. Also, a kitchen renovation for around $6,000 can up the price by around $30,000.”

While a ‘new’ kitchen can seem like an overwhelming and costly project, it doesn’t have to be the case, according to Zhu. “The entire look can be changed with something as simple as new countertops or kitchen cabinets –really,

the sky is the limit, depending on your budget.”

Unsure of where to get started? Cowry’s expert kitchen designers will help you cook up some general ideas with the help of 3-D design software for use of space, location of appliances and storage priorities at no cost.

“All we need is your measurements and colour scheme – we can do the rest!” said Zhu. “We can design the whole thing when you come see us inside.”

2. DIY Decor - Chalk Paint For those looking to give their home some pizzazz, there’s a colourful money-saving home decor trend that is proving popular with

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Whether you are re-styling for sale or for improved living, let us help you maximize your potential for sale or achieve the ultimate place to live. We believe that everyone deserves a space they will love to come home to and it is our goal to improve homes, one room at a time.

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home new and old home owners alike, according to Carrie Thachuk, the owner of The Passionate Home in Langley City.

Developed in the UK by renowned artist, author and decorative painter, Annie Sloan, Chalk Paint decorative paint is versatile and easy-touse. Whether you are a beginner DIYer or a veteran to the craft, Chalk Paint allows one to be creative without worrying about the preparation and technicalities of painting.

“Chalk Paint can have an immediate impact on someone’s new home,” said Thachuk, who carried the product at her store.

“This amazing paint will stick to almost any surface without sanding or priming!”

And the best part – Chalk Paint is good for both interior and exterior surfaces.

“So let us look at your new home... why not freshen up and personalize your new home with a fresh colour on

your front door?” asked Thachuk.

Entering your abode, one could paint over that tired red brick fireplace and brighten their front room, she adds.

Also bid farewell to dated wood cabinets in your kitchen with just two coats of Chalk Paint –while you’re at it paint your bathroom vanity too.

Any leftover paint can be put to great use, notes Thachuk.

“You can give it to your kids to paint you some custom artwork!”

3. A Fresh Coat of Paint If you’re looking for some colour inspiration, Dulux Paint recently unveiled its 2014 paint trends forecast – the colourful palette has a variety of rich, invigorating hues to liven up your home.

From delicate pastels paired with soft neutrals, to playful fusions of bold and bright tones, to sophisticated pair-

ings of dramatic darks and elegant neutrals, the 2014 colours all have an element of renewed energy and vibrancy, notes Dulux Paint on their website.

“Reds are more tangy, oranges are more expressive, greens are more jeweled, and blues are more tropical.”

Those who are not quite ready to dip their proverbial toes in a bright, bold colour, a feature wall is a great way to have fun with colour. In addition to adding flair without the full commitment, a feature wall will change the focal point and atmosphere of your living space.

road.

“Prioritize what you need –it’s best to start with the big pieces first.”

A big ticket item that one can’t really go long without is a couch. When shopping for a new model, it’s vital to consider quality, especially if considering leather, notes Sturrock.

“If you’re looking for a leather sofa, make sure you buy something that is 100 per cent leather,” he said, noting one should avoid anything that is vinyl or plastic.

“In the long run you will be glad you spent the extra money – the same goes for a good mattress!”

4. Shop Smart When it comes to furnishing your new home, the process can be daunting – not to mention, costly. Kendall Sturrock over at Scan Designs in Langley, advises those starting from scratch to make a list of what they’ll need right away, as opposed to what they can purchase down the

And there you have it – four ways to transform your new living space without spending a small fortune. Even if every square inch of your home isn’t filled in the first year or two, one must realize there’s no rush to the finish line. Take your time and invest in pieces that will last.

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home REAL ESTATE RESOURCE GUIDE 2014

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home

Investments

Solon Bucholtz, Royal LePage Wolstencroft Realty

Lo c a l vs. va ca t i o n p ro pe rt i e s Looking back on the three generations of Realtors in my family, I can honestly say over the years that real estate has been the best investment for us. There have been highs and lows over the years, interest rates have ranged from 2.25 per cent to 22.5 per cent, but in the long run it has been tested as a great return investment.

Today banks are lending money at an all-time low, new developments often have little or no rental restrictions offering good investment options and low capital investment for the starting investment, and the economy has remained stable. We are seeing continued strong immigration numbers in western Canada bringing new families needing homes to rent and own.

You may be considering investing in real estate and deciding between buying locally or somewhere where you like to spend time on vacation. Vacation investments can seem alluring and can be beneficial. They often allow you to spend limited time at the property annually, allowing you to take advantage of a lower priced vacation.

Making the decision as to what is more beneficial to you and your investment needs is quite a simple question. What level of risk am I comfortable with?

Vacation investments will often have higher risk and reward opportunities. When the economy is soft, the first properties people dispose of are often the vacation homes or properties in areas that rely on tourism as

an economy. This can lead to higher competition and quicker deflation of value.

On the other hand, when the economy is booming, the attractive tourist areas often see high increases in values along with the previous perks mentioned. Owners can enjoy the properties on their own.

For a more moderate risk, local strong communities are a more stable investment for the long term. I recommend looking at the neighbourhood as a whole when investing. What is driving the economy — schools, businesses parks, stores and such? Langley offers great opportunity for investors with post-secondary institutions, many new shopping and commercial centres and several new and renewed

schools and quick access to transit and commuter routes.

Whether investing locally or in a vacation property, long-term planning is equally important. Although interest rates are at an alltime low and often rental rates will carry the cost of taxes, maintenance, and the mortgage, with little initial investment, it is prudent to prepare for potential rising rates.

Preparing a financial longterm plan before committing to any property is the right approach. A Realtor or property manager can help you with determining rental rates for the area and give you guidance on the long term planning of a community.

Homeowners have two options: Personal insurance

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great reasons why you should consider personal insurance:

1

2

3

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YOU OWN THE POLICY AND DESIGNATE THE BENEFICIARY With mortgage insurance, the lender is the owner and beneficiary and is entitled to receive the full death benefit.

YOUR COVERAGE CONTINUES AFTER THE MORTGAGE IS PAID With mortgage insurance, the coverage expires when the mortgage is paid off.

5

YOUR COVERAGE STAYS WITH YOU IF YOU MOVE You may not be able to transfer mortgage insurance to a new mortgage or new lender.

YOUR COVERAGE WILL NOT DECREASE Your personal insurance coverage remains level as your mortgage decreases. With mortgage insurance, you are covered for only the declining balance while continuing to pay the same premium.

BRETT LASBY

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YOUR COVERAGE IS CONFIRMED WHEN YOU APPLY Mortgage insurance may assess your eligibility only when you make a claim, leaving you unsure of your coverage. With personal insurance, your medical history is reviewed before the policy is issued. That coverage will be in place when needed.

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22

PUBLISHED BY THE LANGLEY TIMES •

home REAL ESTATE RESOURCE GUIDE 2014

home

The Right Insurance F in d o ut wh a t i t a l l m e a n s

1. What does my home insurance policy cover?

Some policies cover only “named perils” – in other words, if the cause of the damage isn’t listed in your policy, it isn’t covered. This is generally referred to as a “standard” policy.

Other policies cover “all risks” on the building and named perils on the contents of your home. This is generally referred to as a “broad form” policy.

Still, other policies cover all risks on both the building and its contents, but are subject to some exclusions. These are generally referred to as “comprehensive” or “special” policies.

2. Is there a specific kind of insurance for the type of home I live in?

Yes. Speak with your insurance representative about tailored package policies.

If you own a house, homeowner’s insurance is available to protect your property and liability of you (policyholder), your spouse/partner and your children.

If you own a condominium, there are specific types of coverage you can purchase in addition to liability and contents coverage.

If you rent, tenant’s insurance is available to help you replace your belongings and rebuild your life after an insured loss. 3. Are there certain risks or potential perils to my home for which I can’t buy insurance?

Because premiums for an “all inclusive” policy would be impractically high, no policy covers everything that can go wrong. Insurance is intended to cover losses caused by unforeseeable events. Losses that are predictable and/or inevitable are typically not covered by insurance. Overland flood damage, for example, is not insurable because houses that flood are typically located in flood-prone areas.

4. Is optional coverage available for perils that are not normally included in my homeowner’s policy?

Yes. For example, you might consider buying optional earthquake coverage. If you are worried about water damage from rainstorms, you might want sewer backup coverage.

home REAL ESTATE RESOURCE GUIDE 2014 •

5. What things could happen to my property that won’t be covered unless I make special arrangements?

Here’s one example: damage arising from the freezing of indoor plumbing is seen as preventable. So, if you are away from home for more than three consecutive days (be sure to verify your insurer’s stipulations) during the normal heating season, you must drain the plumbing or arrange to have your home checked daily by a knowledgeable person to ensure that heat is maintained. If you do not make these arrangements and your pipes burst, you may end up covering the cleanup bill.

6. What are some items that might require additional insurance?

The standard dollar limits to replace stolen cash, garden tractors, watercraft and computer software are relatively small, so you may want to buy additional coverage for these items. Coverage limits may also apply if the following items are stolen: bicycles, jewellery, watches, furs and coin, stamp and card collections. Reasonably priced supplementary insurance is usually available. This supplementary insurance, often called a “rider” or “floater,” provides extended coverage for these specific items. Coverage can be worldwide and there’s usually no deductible.

7. What is a deductible? How does the deductible affect the price of my home insurance?

The higher the deductible – the portion of a claim that you have to pay out of your own pocket – the lower the premium. Compare premiums for policies that have higher versus lower deductibles, and then decide whether a lower premium is worth the higher amount you would have to pay out of pocket if you made a claim.

8. What is the difference between replacement cost and actual cash value?

Most claims on home insurance policies are paid on a replacement cost basis, meaning that the insurance covers the cost of replacing a damaged or lost item with a new one that is as close to the original as possible in functionality and quality. If you choose not to replace a damaged

PUBLISHED BY THE LANGLEY TIMES

Insurance Bureau of Canada www.ibc.ca

Home insurance coverage can vary from one company to another & from one policy to another so it pays to ask questions before you buy. item, your insurer will pay only the actual cash value of that item – that is, the replacement cost less any depreciation in the value of the item.

10. Why is it important to have a working smoke alarm and carbon monoxide detector in my home?

Properly installed smoke alarms and carbon monoxide detectors are now mandatory in most Canadian provinces. These devices not only help save lives, but also can prevent damage to your home in the event of a fire or gas leak.

11. Should I make a claim for every loss?

Although this is a personal decision, consider the cost of the damage compared to your deductible before making a home insurance claim.

12. What kind of liability coverage do I have? How much do I need?

Home insurance policies generally provide coverage for unintentional property damage, bodily injuries and legal costs for which you are legally responsible, anywhere in the world.

Speak with your insurance representative about what liability coverage is right for you and if you should consider “umbrella liability” coverage, which would provide extra liability coverage in addition to your regular insurance policies.

Since home insurance policies can vary in many ways, speak to your insurance representative regarding specific limitations and/or exclusions in your policy.

23

home

Buy, Sell, Stay?

Lilianne Fuller Times Contributor

S to r ie s a nd t i p s o n h o w t o m a k e t h e b e st choice f or you Your home is your castle so the decision to buy, sell or renovate is something you’ll want to consider very carefully. Instead of selling their home and upgrading, Leah and Jamie McDowell decided to renovate. The first step they took was to make a budget. The project would be huge with fully eighty per cent of the house involved.

They would literally tear the place down to the studs and start from scratch.

Leah feels that one of the reasons their renovation went so well was because of the contractor they hired.

Tom Radomski of Walnut Grove Construction was their choice and they were extremely happy with him and his team of sub-contractors.

After doing the initial demolition, the McDowells moved out on Labour Day. They met

Over $300 million sold

with Tom twice daily and he would discuss the day’s plans and then update them on the progress made and any changes that were necessary.

This enabled Leah to make sure that the fixtures required were ready when the contractors needed them.

Perhaps a renovation as large as this isn’t an option but a new kitchen or bathroom is. While these types of renovations are the most expensive they do add the most comfort, value and liveability to a home. For any job big or small make sure you choose a contractor who understands your needs.

Bill Mauger, owner/operator of Your Local Handyman agrees. “A good contractor will remember that he has one mouth and two ears. He or she will offer advice but won’t overlook the customer’s over-

all objectives,” he said. “In a townhouse situation find out first what changes you are you permitted to make.

Consider making some improvements to the homes accessibility. Many people want to remain in their home for as long as possible and potential buyers will appreciate the grab bars in the bathroom and the small ramps.”

Jessica Shaw, a realtor with The Wilson Team says, “If you are considering selling your home don’t be tempted to redo your kitchen or bathroom. These renos are expensive and potential buyers may prefer to do it themselves,” she said.

“The first thing is to de-clutter inside and make sure your house has curb appeal on the outside.

“If you decide to paint use

neutral colours and small fixes can make big changes.

For example look at the fixtures, they could be very dated,” she said.

If you fall in love with a house, don’t let your heart rule your head. Make sure a home inspection is a subject on the offer.

Leah and Jamie moved back into their newly-renovated home for Thanksgiving and the results are fabulous.

The kitchen and family room blend seamlessly in an open concept design. Upstairs the bedrooms are spacious and large windows bring in lots of natural light. She and Jamie are very happy with their ‘new’ home.

“We added a lot of value and we are enjoying living in our home so much,” she said.

No one knows more about real estate in the Fraser Valley!

RE/MAX Hall of Fame

Top 100 in Canada Medallion Member Chairman’s Club Award

604.533.3491

thewilsonteam.ca 24

Jessica Melissa PUBLISHED BY THE LANGLEY TIMES •

Anne home REAL ESTATE RESOURCE GUIDE 2014

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home REAL ESTATE RESOURCE GUIDE 2014 •

PUBLISHED BY THE LANGLEY TIMES

25

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Renovating?

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Call or come see us at our Langley branch today!

Bill Sandhu, Branch Manager bsandhu@prospera.ca 604.953.3801 prospera.ca 26

PUBLISHED BY THE LANGLEY TIMES •

home REAL ESTATE RESOURCE GUIDE 2014

home

Before You Buy G e t r e a d y f o r t h e bi g p u rc h a s e Before you take the plunge into home ownership, it’s important to be well prepared.

Do you have a budget, a will, and adequate insurance coverage? Is your spending and debt under control? How secure is your income?

Here’s a checklist of important items you should cover off before you buy: Get your credit rating in order. Six months to a year before you plan to buy, pull your credit report and clear up anything that could prevent you from being mortgage-worthy. The way mortgage companies look at your credit is different from other lenders. They’re looking at late payments, so even a small collection amount can really work against you and it takes six months for your record to clear.

Determine your spending power. Sit down with a mortgage professional to find out how much you can afford before you start looking. That way you’ll have a good idea what your monthly payment is going to be and how much you’ll have for your down payment. If they’re not able to prequalify you, they’ll tell you why so you’ll know what you need to work on.

Keep your debt to credit ratio down. Now is not the time for other purchases.

Lenders look at your debt-tocredit ratio, so even though you’re excited about buying a home don’t give in to the urge to go out and rack up $5,000 for new furniture on your credit card. It’ll only work against you.

Understand your budget.

A lot of little things come up

Courtesy of Prospera Credit Union when you own a home, like getting your gutters cleaned, landscaping, or pest control.

These add up on a monthly basis, that’s why it’s a good idea to stick to the rule that your mortgage payment should be no more than 33 per cent of your monthly household income.

Make sure you’re covered. Remember the 2013 floods in Alberta? Some people were not up to date on their homeowners’ insurance and now they no longer have a home. That’s how quickly your life can change.

Protect yourself and make sure you have the right coverage.

Set something aside for a rainy day. No one ever expects to lose their job or be faced with expensive car repairs or vet bills, but these

things happen. Put some money away every month (even if it’s just a small amount) for those large unanticipated expenses that can send you into a financial tailspin. That small amount will grow and provide you with some much-needed breathing room.

Plan to succeed. When it comes to peace of mind, having a financial roadmap makes all the difference and a little expert advice can go a long way towards helping you achieve what’s most important to you. Your home is the biggest investment you’ll ever make, so make sure you are dealing with a professional who is willing to give you the personal attention you deserve.

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PUBLISHED BY THE LANGLEY TIMES

Lynn Brice-Polegato

WestCoast Realty 604-209-5545 ™

You’ve found a home

lbrice@sutton.com 27

home

Strata vs. Freehold Wha t is th e d i f f e re n c e ?

There are many different types of property ownership in British Columbia and it is very beneficial to know the differences.

Real Estate is one of the biggest investments and assets that people accumulate in their lifetime so the more knowledge, the better! We will focus on the two most commonly known methods of Real Estate ownership in BC: Strata Title and Freehold Strata title properties are most common in condos and townhomes. With limited amount of land in the Lower Mainland, many multi-unit complexes and buildings are strata title

MacMILLAN TUCKER & MACKAY

in order to fit more units into a condensed space.

Under this type of ownership, each individual owner (or owners), have shared ownership in both their limited and common property. There are certain areas the owners own solely “limited” to them and other parts which belong to everyone and are “common property.” Strata title ownership includes monthly strata fees payable by each owner to help pay for the costs of operating everything in the strata corporations annual budget. The potential downfall of this is you are not solely in

Duncan J. Moffat, Colleen Fisher & Jennifer Clancey of HomeLife Benchmark Realty (Langley) Corp.

control of how much your fees will be and you could be paying for a gym, pool, hot tub, etc. regardless if you ever use them. There are also many bylaws and rules that the owners will be subjected to that would not be applicable in freehold ownership.

Freehold ownership provides a lot more flexibility and control to an owner and is most commonly found in detached homes and land. The owner owns his property solely or with one or multiple co-owners if they decide. The owner and property are subject to government/municipal regulations. Howev-

er, unlike strata title, the owner has the freedom to choose whomever they would like to do the work on the property that is permissible by the local authorities. They do not need permission from neighbours for anything that is within their legal rights when modifying their property.

With all of the intricacies of strata title and freehold ownership, it is always very important to have a Real Estate professional or a lawyer help you at all times!

*Independently Owned & Operated Tony Zandbergen Personal Real Estate Corporation 101-6337 198 St., Langley

Located in the heart of Cloverdale

604-574-7431

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tony@tony-z.com PUBLISHED BY THE LANGLEY TIMES •

home REAL ESTATE RESOURCE GUIDE 2014

HomeLife Benchmark Realty Corp.

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At HomeLife Langley, our clients can expect our personal attention and expertise in both buying and selling property. Understanding our clients needs and listening to what our clients want, is important to creating satisfaction for both our clients and ourselves.

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Langley Office: 6323 197th St. 604.530.4141 home REAL ESTATE RESOURCE GUIDE 2014 •

Walnut Grove Office: 201 - 20999 - 88th Ave. 604.888.7424 PUBLISHED BY THE LANGLEY TIMES

Willowbrook Mall Kiosk: 19705 Fraser Hwy. (near Starbucks entrance) 29

home

Mortgages

Kevin Bay Mortgage Specialist

Ho w to f ind t h e ri g h t m o rt g a ge Choosing the right mortgage can make the difference of paying thousands of dollars extra in interest rates, or saving thousands of dollars which can be used for paying off your mortgage sooner or adding funds to your investments.

Let’s look at the difference between a Variable and a 5-year Fixed Mortgage, which carries a higher rate on average of .8 per cent and up. If you had a $400,000 mortgage and took a Variable instead of a Fixed 5-year today, using a 2.5 per cent variable rate compared to a 3.39 per cent 5 year Fixed rate, what would the savings be? At the end of five years, you would have paid $16,793 more in interest on the 5 year Fixed Mortgage if rates stayed the same on the Variable Mortgage. Note the Variable Mortgage fluctuates with the prime rate, which is at 3 per cent today and has not gone above 3 per cent since January 2009. Principale owing after 5 years on the 5 year Fixed Mortgage would be $5,869 more than the Variable Mortgage if the Variable Mortgage rate remained the same throughout the term. There are many more aspects to look at with this scenario, but this gives you a general idea of what you are looking at.

To help you understand what the right mortgage is depends on your outlook on where you think interest rates will go in the future. So how do interest rates work and where will they go? To have an educated outlook one has to understand the Bank of Canada’s (BOC) monetary policy. Without this under-

30

standing one is just taking est on their savings. Overa guess or making a deci- all demand for goods will sion on the emotions of weaken, bringing inflation the day which can be very back into balance with costly. Not taking out the supply. right mortgage can cost The BOC says the inflayou thousands of dollars in tion rate as of January 2014 unnecessary interest pay- was 1.8 per cent. With the ments. inflation rate below target, The BOC monetary pol- I do not see an interest rate icy aim is to keep supply increase at this time. Some and demand in balance. If think interest rates are just supply exceeds demand as likely to go down in the then inflation will be low near future which would and the opposite is true if reduce the prime rate and demand extherefore ceeds supreduce you ply then invariable rate flation will which floats increase. with prime.

The BOC There have uses interbeen conest rates to cerns by keep demany of demand and flation not supply balinflation. anced as America has best they been trying can. to get some more inflaThe BOC tion into the goal is to system and keep the to do so they inflation keep interest range berates low. In tween 1 – 3 KEVIN BAY the BOC reper cent, port issued with the target rate being 2 per cent. January 22, 2014 (www.

In 1995, BOC set the tar- bankofCanada.ca) the BOC get rate at 2 per cent and do not expect the inflait has managed to keep the tion rate to return to 2 per inflation rate in the 1 – 3 cent for about two years. per cent range since that The BOC overnight lending time. The BOC uses inter- rate has remained at 1 per est rates to help keep the cent for quite some time inflation rate in the range and the Prime Rate has they have set. If there is been at 3 per cent or lowmore demand than supply, er since January 2009. The inflation will rise as high- overnight lending rate and er prices can be charged bank rate can be adjusted pushing up prices. When eight times per year. The this happens, the BOC is U.S. interest rate and the likely to raise interest rates value of the Canadian dolto make borrowing costs lar comes also come into more and drive people to play but we will leave that save more and spend less for another time.

Where are we now? Does while earning more inter-

Not taking out the right mortgage can cost you thousands in unnecessary interest payments.

PUBLISHED BY THE LANGLEY TIMES •

the economy look strong to you? Do you see inflation taking off anytime soon?

Should you lock your mortgage in short term, long term or variable? These are questions you need to consult your mortgage broker on. Make sure they understand what is important to you and the economic cycle we are currently in.

Your mortgage is a big investment and it should be discussed with someone that understands interest rates and how they work, their potential changes and what your risk tolerance is. It never hurts to review your current mortgage with a professional to see if there are benefits in a restructuring process, it could save you hundreds of dollars per month in payments.

There are pros and cons to a Variable Mortgage and you should have a full understanding of what they are before locking into any mortgage. One large advantage is the penalty to get out of the mortgage is only three months interest on the balance outstanding.

Since the interest is low the penalty is also low. If you want to get out of your mortgage for any reason and you owe say $350,000 at the time of the payout, the penalty would be three months interest on that amount, about $2200. This is a much lower penalty than what a Five Year Fixed Mortgage penalty would be. Knowing all the ins and outs of a mortgage could mean thousands of dollars in savings over the length of your mortgage. Talk to a specialist to know what is best for you.

home REAL ESTATE RESOURCE GUIDE 2014

When you’re serious about selling, call us ¿rst.

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home REAL ESTATE RESOURCE GUIDE 2014 •

PUBLISHED BY THE LANGLEY TIMES

2000 Realty 604.583.2000 31

ADVERTORIAL

PRE-LIST / PRE-SALE HOME INSPECTIONS

Pre-Listing and Pre-Sale Inspections on the Rise in Langley and Across Canada Local home inspectors Randy Squires and Stone Li have noticed a new trend in the housing market — an increasing number of pre-listing and pre-sale home inspections.

Squires, the owner and operator of A Buyer’s Choice Home Inspections in Surrey and Cloverdale, says this is essentially a comprehensive inspection paid for by the seller before even listing a property. He puts together a professional electronic report complete with full photographic coverage when doing a pre-listing inspection. It details the mechanicals, exterior and interior of a property including thermal imaging and identifying major shut offs.

Sellers are realizing many advantages to conducting a pre-listing inspection. It immediately provides full disclosure to buyers, making the selling process less susceptible to hiccups near the end of it. This reduces liability and can be used by realtors and sellers as another tool to market their homes.

Li, who operates A Buyer’s Choice Home inspectors. The best way to choose your Inspection serving all of Langley and areas, home inspector is by doing your homework adds that pre-listing home inspections pro- and due diligence. Remember, the cheapest vide homeowners the opporisn’t always best! Be sure to ask tunity to fix any issues that Be sure to ask the home the home inspector important were discovered during the inspector important questions like: Do you carry home inspection and receive a BC License? Do you have questions like: the maximum selling price.

Do you carry a BC License? experience and belong to an Li says that when inspect- Do you have experience approved association? It’s also ing townhomes, condos and and belong to an approved imperative they carry insurance. gated communities, the home association? inspector is focused on the British Columbia law reunit. The inspector does look It’s also imperative they quires every professional carry insurance. at the common area and, home inspector belong to a whenever possible, speaks to recognized association. The home inspector the maintenance personnel about the build- must be licensed and provide documentaing and its overall condition. This knowledge tion on demand before any home inspection comes from the fact that A Buyer’s Choice begins.

Home Inspections completed more than Li (BC License #56198) and Squires 25,000 home inspections in 2013 across (BC License #61392) collectively belong their network. to the Canadian National Association of Certified Home Inspectors (CanNachi).

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www.cloverdale.abuyerschoice.com • 32

www.langley.abuyerschoice.com PUBLISHED BY THE LANGLEY TIMES •

home REAL ESTATE RESOURCE GUIDE 2014

Protect Your Property

deanhooseman.com

He lp f ul tip s to k e e p y o u r h o m e s a f e 1. Take photos of your valuables (including serial numbers).

2. Place window coverings on your garage windows.

3. Install an alarm system, and ensure it’s armed when you’re not present.

4. Cameras not only monitor but can intimidate.

5. Don’t always park in your driveway when you’re home, occasionally park in your garage.

FOR EXPERIENCE AND SERVICE

THAT WILL MOVE YOU

6. Don’t advertise which alarm company you use. Use generic stickers in your doors and windows.

7. Have heirlooms or sentimental jewellery?

Use a safe deposit box or a safe.

8. Don’t leave all of your extra house/car keys in an obvious place.

9. Install steel door jambs or use steel strike plates on door jambs. Also extra long, reinforced deadbolts are always a good call.

10. Let your immediate neighbours know if you’ve got contractors or other visitors coming to the house when you’re not there.

*PREC Personal Real Estate Corporation 604-807-2461 cell 604-513-2300 office

Lifestyles Realty Unit 8, 8880 202 St., Langley

Make Yourself at Home

At Aldergrove Credit Union we treat your home likes it’s our own.

Talk to us today to learn more about our flexible mortgage packages and insurance and financial planning services to help protect your most valuable assets – your home and your family.

We’re here to serve all of your financial needs.

home REAL ESTATE RESOURCE GUIDE 2014 •

PUBLISHED BY THE LANGLEY TIMES

33

home

Outdoor Living Space

Steve Leyenhorst, President of Natural Light Patio Covers

C o m f o r ta b le o u t do o r s pa c e s t o i n c rease your home ’s value !

Outdoor covered areas and three-season rooms provide additional square footage of living space, that is often brighter than the rest of the house – a great place to relax and provide a “pick-me-up� on the grey days! When selling a home, this additional covered area is not reflected in larger square footage, but definitely amps up the property usage value to future homeowners!

Properly-built sunrooms and enclosures are an investment; To help meet your budget needs, break up the job into components: cover the outdoor area first, and then enclose it later.

Homeowners thinking of

creating outdoor living spaces should consider a few tricks of the trade before beginning their projects.

Strategically place the space. Property often dictates where the outdoor living space will go, but it helps to keep in mind that the outdoor space is more likely to be used if it’s easily accessible from the inside of the home.

Emphasize comfort. Many homeowners look at their outdoor living areas as places to kick their feet up and relax, so comfort should take precedence when planning the space.

Illuminate the area. Tiki torches might do the trick

for some, while others who want to avoid giving their outdoor area a luau feel might prefer solar-powered accent lights, which won’t require any wiring. Whatever your preference, don’t forget to have some lighting so those evenings spent under the sky don’t have to end when the sun goes down.

Keep the design consistent with your home. In addition to providing an outdoor respite from the daily grind, an outdoor living space can also increase a home’s resale value. One of the goals when designing an outdoor living space should be to create a seamless transition from the home’s interior to its exteri-

or. The best way to do that is to keep the designs of both living spaces consistent.

A properly-constructed, engineer-approved structure with lifetime warranties will definitely increase a home’s value and usually fare more than the actual cost of the structure! Not only does it make the home bigger with additional square feet of “living space�, but provides peace of mind to both current and future owners for years of comfort.

By employing a few simple tricks of the trade, homeowners can create the outdoor areas of their dreams.

Enjoy comfortable outdoor living - all year round!

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Sliding Glass home REAL ESTATE RESOURCE GUIDE 2014

home

REALTORS® on the Look-out Thousands of REALTORS help find missing people Many parents and family members of senior citizens may not know that if a loved one goes missing, police aren’t the only resource engaged in the search.

Nearly 14,000 REALTORS® across the Lower Mainland make up Realty Watch, a community crime prevention program that police can activate in the event of a child, senior or vulnerable person going missing. After police make the request, a Realty Watch fan-out alert is texted simultaneously to REALTORS® across the Lower Mainland. Fan-outs can only be initiated by police and are sent by participating real estate boards.

Irena Shantz

Andy Mallhi

Jinny Ahn

Emma Stewart

Dan Friesen

Carolynn Jackman Reception

Garry Reimer

Lisa MacWilliam

REALTORS® receive a description, location last seen and whenever possible a link to a photo. They are a perfect resource for police because unlike many

Fraser Valley Real Estate Board fraudster and has been relied on by police for reports of suspicious activity in neighbourhoods since the program began 19 years ago.

Realty Watch was in-

Realty Watch is credited with finding three missing people. professionals who are office-bound, REALTORS® are mobile. They are in and out of homes and neighbourhoods and always on the move from community to community. Realty Watch is credited with finding three missing people, locating a

Harj Gill

Rosemary Papp

Rene Pollon

Bruce Pollon

spired by tragic circumstances. In 1994, a White Rock teen was murdered and later discovered less than four blocks from where she was last seen. Her father had asked for the help of local REALTORS® suggesting

Neil Kee

Darryl Percy

Janet Chilas

they would be an excellent resource to help search for missing people. After all, their work brought them into communities daily, they were connected via mobile devices, and could receive an instantaneous message from their professional associations - the real estate boards.

REALTORS® within the Greater Vancouver, Fraser Valley and Chilliwack real estate boards receive approximately 20 fan-out requests every year to help find missing children and vulnerable adults.

For more information about Realty Watch, please visit www.realtywatch.net.

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PUBLISHED BY THE LANGLEY TIMES

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He invites you to come in and dine today!

604-882-1919 Fully licenced.Open 7 days a week.

19110 96th Ave. Surrey Dine-in, Pick-up, Delivery and Catering WALNUT GROVE Experience Bliss Celebrate Life Embrace Beauty Providing you with the highest level of salon & spa services.

JUST EAST OF 200 ST. ON 201 ST. NOW OPEN SUNDAYS AT 9 AM WWW. OILCHANGELANGLEY.COM

Gift Certificates available

MUSIC AND DANCE Serving Surrey, White Rock & Langley

IE S L R A H # We make it easier for you!

TT Day Spa 8840 210 Street Street, Langley 604-371-0919

#100 - 20330 88 Ave. 604.513.1441• milica.ca

WALNUT GROVE

WALNUT GROVE

SCHOOL OF

For Those Who Expect The Very Best!

8747 204 Str Street reet | 604-882-0422 ree www.musicanddance.org

Meat • Seafood d • Deli D li • B Bakery k Produce • Floral • Bistro

20159 88 Ave, Walnut Grove • 604.882.8411

WALNUT GROVE

Your alternative to European dealerships for quality repairs and maintenance We service all European makes including: • BMW • Mercedes • Volkswagen • Volvo • Audi • Land Rover • Jaguar • Smart • Mini Cooper

NORLANG AUTO REPAIR

20540-88 AVE, WALNUT GROVE home REAL ESTATE RESOURCE GUIDE 2014 •

604-888-8681

PUBLISHED BY THE LANGLEY TIMES

Mon-Fri 7:30-5:30 Sat-Sun Family Days

DESIGNATED INSPECTION FACILITY

37

welcome DOWNTOWN

TO THE NEIGHBOURHOOD DOWNTOWN

DOWNTOWN Canadian Made Quality Furniture & Mattresses

FREE CANDY! www.stickyscandylangley.com LANGLEY

LANGLEY CITY: 20464 Fraser Hwy • 604-510-1788 WALNUT GROVE: 8840-210 St, Walnut Grove • 604-371-1874

DOWNTOWN

One Stop LOVE SHOP

20273 Fraser Hwy.

D O W N Tstickyscandylangley OWN stickyscandylangley.com

Come, visit us for a great new Look!

LINGERIE XS-3X MASSAGE OILS LOTIONS 100’s OF DVD’s TRADE-INS ON DVDS BODY STOCKINGS STAG AND STAGETTE PARTY FAVORS CORSETS ADULT BOOKS & MAGAZINES

mclearys.com

604-534-4611

DOWNTOWN

2 Large Pizzas plus plus plus

(3 TOPPINGS)

10 Wings or Lasagna Bread Sticks or Salad 2L Pop $ 99 ONLY

32

604-533-7727 20486 Logan Avenue

20382 FRASER HWY. LANGLEY 604-534-8131 MON-SAT 10AM-10PM • SUN & HOLS 12 NOON-8PM 109-32883 S. FRASER WAY ABB, 604-859-9678

DOWNTOWN

Jim’s serving the highest quality pizza in Langley since 1979! also... Baked Lasagna, Ravioli, Spaghetti, Ribs

20199 56 Ave | (604)

Sun.-Thurs. & Holidays 11am-11pm Fri.-Sat. 11am-Midnight

604 533 3319 604.533.3319

The Jim’s Special A customer favourite!

530-0751

FORT LANGLEY

& Cuisine

www.dreampizza.ca

LANGLEY/ALDERGROVE

In your community.

At your event.

On your doorstep.

PIZZA

/jimspizzeria

55507 55 0 204 S 07 Street trree eet

M U R R AY V I L L E

Come & See How Good Your Life Can Be! Open for tours Monday to Saturday 11-5

langleytimes.com

aldergrovestar.com

FORT LANGLEY

22323 48 Ave. 604.546.3130 www.avalon-gardens.com FORT LANGLEY Integrated Health Clinic working together for your health

TTHINK FRESH TTHINK LOCAL THINK T LEE’S

23320 Mavis Avenue, Fort Langley 604-888-5622 www.facebook.com/leesmarketfortlangley 38

Fort Langley, BC

Integrated Health Clinic™ 9217 Glover Rd, Fort Langley 604.882.7317 127-17449 Hwy. 10, Cloverdale 604.574.1880 intochocolate.ca

working together for your health

Fort Langley, BC

Naturopathic Health and Cancer Care Centre 2nd Floor 23242 Mavis Avenue, Fort Langley 604-888-8325 integratedhealthclinic.com

PUBLISHED BY THE LANGLEY TIMES •

home REAL ESTATE RESOURCE GUIDE 2014

We do all the work, so you can just go home.

We are always striving to set a higher standard for real estate practices.

Better service, better systems - better everything. We are doing it one REALTOR® at a time - with careful hiring, intensive training, and seasoned management support in all offices. Macdonald Realty is bringing agents over to our way of doing business: helping people go through one of the biggest and most expensive transitions in their lives more smoothly, with more information, less stress, and greater ease.

These are not just words in a mission statement hung on a wall somewhere. This is what we actually do - over and over again. That's why, once you've worked with a Macdonald Realty agent, the next time you go through one of those big life transitions, you won't want to do it without us. Our clients keep calling us back. They send their friends, and then, twenty years later, they send their grown-up kids to us. That's who we strive to be: the agents you'll send your kids to, the agents you are excited to refer your friends to, and the agents you can rely on.

Ellie Bishop

Joe Borlinha

Kathryn Croutch

Taya Docksteader

Nina Gatchalian

Phil Hayes

Stewart Henderson

Wes Jamison

Lindy Leclair

Joanne Lee

Duane Marcum

Lina Mincova

Monique Papineau

Roy Pereira

Julia Petrova

Brad Richert

Wenda Russell

Andy Schildhorn

Rudy Storteboom

Alexis Toews

Leigh Turnbull

Try our map-based, real-time listing search tool only on the new macrealty.com Macdonald Realty | Managing Broker Stewart Henderson

22424 Fraser Hwy. Murrayville | 604.530.4111 | Office Hours Monday - Saturday, 9am - 5pm 39

PUBLISHED BY THE LANGLEY TIMES •

home REAL ESTATE RESOURCE GUIDE 2014

“The investors are there. How do we capitalize?”

People who know Real Estate & Construction, know BDO.

The Real Estate & Construction Practice at BDO Whether you are an investor, developer, builder, or contractor, the challenges — and the opportunities — in your industry have never been greater. With deep experience and specialized knowledge in the real estate and construction industry, BDO’s dedicated professionals can help you maximize opportunities, in any economy.

Assurance | Accounting | Tax | Advisory

Bob Mann, CPA, CA bmann@bdo.ca Fraser Valley Real Estate and Construction Leader 220-19916 – 64th Ave, Langley BC 604 532 4752 www.bdo.ca/real-estate BDO Canada LLP, a Canadian limited liability partnership, is a member of BDO International Limited, a UK company limited by guarantee, and forms part of the international BDO network of independent member firms. BDO is the brand name for the BDO network and for each of the BDO Member Firms.