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2015-16
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Con ten ts Page 2 About Danish Chaudhry 4 buyer’s guide 5 Choose a Realtor 6 Ti tle Insur ance Expl ained 8 L and T r ansfer Ta x 10 Make an Offer 13 Importan t Stuff to Know 16 5 costly mistake 19 closing costs 20 seller’s guide 22 deciding to sell 24 choosing a realtor and pr ice 26 w hat to look for in a realtor 28 w hat is your propert y wort h 30 w hat to do to prepare 32 accepting an offer 34 condi tions, inspec tion, appr aisal 36 closing costs 38 sold properties 40
2 | Danish Homes Buyers Guide
Danish sells The Best. So don’ t set tle for Less. Talk to us Today and Learn How!
For listings visit: DanishHomes.ca
Danish Homes | 3 Buyers Guide
Message from
DANISH CHAUDHRY Danish Chaudhry, a leading real estate professional in Toronto covering Vaughan, Mississauga, Brampton, Milton, Hamilton, Bradford and surrounding areas. My team of specialists helps you: Mortgage approval, home inspection, staging, decorating, landscaping, home improvements, renovations and legal services. I list and sell residential properties such as: Luxury Executive homes, Detached and semi-detached houses, bungalows, backsplits, sidesplits, multi-levels, condos/lofts, condo/townhouses and Freehold townhouses, Big or small... I list and sell them all.
President/Realtor, Danish Homes Inc.
Buyers Guide Get connected with Danish now Call: 416.846.5653 Danish Homes | 5 Buyers Guide
Times have
changed.
Make your Home go viral. Choose a Realtor As a seller, your relationship with a REALTOR® is vital . By Choosing Danish Chaudhry, you feel comfortable that He will handle the sale of your home as if it were his or her own.
What to Expect Danish Chaudhry will help you understand the selling process, provide you with a full explanation of what to expect so you are not faced with any surprises along the way.
Getting to know you One of the first things we ask, why are you selling your house? Then explore any time constraints you may have, your financial situation and any future plans. It’s all part of getting to know you so the sale will be handled to your complete satisfaction.
Setting the Price Arriving at an accurate estimate of value for your home is our prime tasks. It involves analyzing your home and comparing it to other, similar houses for sale or recently sold in the neighbourhood. It may also include a broader market survey, using sales statistics available only to qualified REALTORS®. In the end, you will be sure the price you set reflects the true value of your home under current market conditions.
Interested in Selling Your Home? If you are interested in selling your home or would like information on selling your home please call me Today.
6 | Danish Homes Buyers Guide
looking to buy the right Home?
Talk to Rizwan Sadiq!
Rizwan Sadiq is the Part of Danish Homes for Almost 4 Years. I specialize in helping Clients with Buying/Selling/Investing, Especially Buying with Proper negotiations and techniques to save you thousands of dollars. With the specific knowledge of GTA and beyond in East and West, i can help with properly assessing the property. That is why i have top score when it comes to client retention and satisfaction.
Thinking of Making a move? Call Danish for a FREE Home Evaluation or a FREE Seller’s consultation. Call RIZWAN SADIQ
(647) 939-4875 Danish Homes | 7 Buyers Guide www.oxfordedu.ca | 3
Tittle Insurance Explained
Title is the legal term for ownership of property. Buyers want “good and marketable” title to a property - good title means title appropriate for the buyer’s purposes; marketable title means title the buyer can convey to someone else. Prior to closing, public records are “searched” to determine the previous ownership of the property, as well as prior dealings related to it. The search might reveal, for example, existing mortgages, liens for outstanding taxes, utility charges, etc., registered against the property. At closing the buyer expects property that is free of such claims, so normally they must be cleared up before closing. For example, the seller’s mortgage will be discharged and outstanding monetary expenses (such as taxes and utility charges) will be paid for (or adjusted for) at closing. Sometimes problems (or defects) regarding title are not discovered before closing, or are not remedied before closing. Such defects can make the property less marketable when the buyer subsequently sells and, depending on the nature of the problem, can also cost money to remedy. For example, the survey might have failed to show that a dock and boathouse built on a river adjoining a vacation property was built without permission. The buyer of the property could be out-of-pocket if he is later forced to remove the dock and boathouse. Or, the property might have been conveyed to a previous owner fraudulently, in which case there is the risk that the real owner may come forward at some point and demand their rights with respect to the property. Title insurance policies can be issued in favour of a purchaser (on new/ resale homes, condos and vacation properties), a lender, or both the purchaser and lender. Lenders will sometimes require title insurance as a condition of making the loan. Title insurance protects purchasers and/or lenders against loss or damage sustained if a claim that is covered under the terms of the policy is made. The premium for title insurance is paid once (at the time of purchase). Generally speaking, in Canada the purchaser of the property pays for the title insurance, though there can be situations where the seller pays for it. Some policies automatically cover both the purchaser and lender; others will cover both for a small additional fee.
8 | Danish Homes Buyers Guide
Call Danish to Inquire More! Call Danish Today: 416-846-5653
Exterior Appearance 1. Keep lawns cut 2. Trim hedges and shrubs 3. Weed and edge gardens 4. Clear driveway and clean up oil spills 5. Clean out garage 6. Power wash 7. Touch up paint 8. Plant colorful, inexpensive flowers in pots
At the Front Door 1. Clean porch and foyer 2. Ensure door bell works 3. Repair any broken screens 4. Fresh paint or varnish front door 5. Repair door locks and key access Danish Homes | 9 Buyers Guide
Land Transfer Tax Purchasers in most large Canadian centres can add Land Transfer Taxes to their list of closing costs. Unless you live in Alberta, Saskatchewan, or rural Nova Scotia, land transfer taxes (or property purchase tax) are a basic fact of life. These taxes, levied on properties that are changing hands, are the responsibility of the purchaser. Depending on where you live, taxes can range from a half a per cent to two per cent of the total value of the property. Many provinces have multi-tiered taxation systems that can prove complicated. If you purchase a property for $260,000 in Ontario, for example, .5 per cent is charged on the first $55,000, 1 per cent is charged on $55,000 - $250,000, while the $250,000 - $400,000 range is taxed at 1.5 per cent. Your total tax bill? $2,375.00.
Ontario • Up to $55,000 X .5 % of total property value
• From $55,000 to $250,000 X 1 % of total property value
• From $250,000 to $400,000 X 1.5 % of total property value • From $400,000 up X 2 % of total property value
10 | Danish Homes Buyers Guide
Call Danish to Inquire More! Call Danish Today: 416-846-5653
Little Improvements
=
Big Returns
It’s always a good idea to spruce up the exterior and interior of your home before listing it for sale. But that doesn’t mean you have to undertake major and/or expensive project. Just a little effort will greatly increase the perceived value of your home. After all, if you wanted to undertake a large-scale project, you probably wouldn’t be selling! Here are some simple steps you can take to increase the perceived value of your home and make a great first impression.
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Make an
Offer
When it comes time to make an offer you will require current market information and assistance in drafting your offer. You will need a Real Estate Professional. A Real Estate Professional will communicate your Offer to Purchase to the seller, or the seller’s representative, on your behalf. Sometimes there may be more than one offer on a property at the same time. A Real Estate Professional can guide you through this process.
Firm Offer to Purchase Usually preferable to the seller because it means buyers are prepared to purchase the home without any conditions.
Conditional Offer to Purchase Usually means there are one or more conditions on the purchase, such as “subject to home inspection”, “subject to financing” or “subject to sale of buyer’s existing home”. The home is not sold until all conditions have been met.
Acceptance of Offer An Offer to Purchase is presented to a seller who may accept the offer, reject it, or submit a counter-offer. The counter-offer may be in reference to the price, closing date, or any number of variables. Offers can go back and forth until both parties have agreed to terms or either side ends the negotiations.
Danish Homes | 13 Buyers Guide
DANISH Chaudhry The Realtor with Sincerity & Knowledge! Serving the community and changing life styles since 2009
416-846-5653
14 | Danish Homes Buyers Guide
Experience.
Skills.
Results.
For listings: www.DanishHomes.ca
Danish Homes | 15 Buyers Guide
Closing Costs Closing costs are a list of charges your lawyer presents to you on the closing date of your home. Many people are surprised at the additional costs over and above the price of the home. According to the CMHC and Genworth Financial you should have at least 1.5% of the purchase price for closing costs in addition to the down payment (have around 2.5% to be on the safe side). The costs vary among provinces and cities. Below you will find a brief explanation of these costs. Please note these are some of the closing costs you may encounter depending on your specific situation. Use this as a guideline then talk with your lawyer who can provide a more realistic estimate for your situation.
Appraisal Fee Generally Required with New Homes An appraisal provides the lender with a professional opinion of the market value of the property. This cost is normally the responsibility of the homeowner and it can cost between $100 - $300.
Home Inspection Fee A professional inspection of the home, top to bottom, is for the benefit of the buyer. A home inspection can cost anywhere from $300 - $400 and is well worth the investment. When hiring a home inspector make sure the inspector has liability insurance just in case they overlook something.
Fire Insurance Mortgage lenders require a certificate of fire insurance to be in place from the time you take possession of the home. The amount required is generally the amount of the mortgage or the replacement cost of the home. This cost can vary on the property size, amount of coverage, the insurance company and the municipality. The cost can vary anywhere from $250-$600 annually for most properties.
Provincial Sales Tax on Mortgage Insurance If your mortgage is insured, (CMHC or Genworth Financial), you will be required to pay the applicable taxes on the insurance premium on closing. While the insurance premium can be added to the mortgage amount, the tax must be paid at closing.
Land Survey Fee or Title Insurance Fee A recent survey of the property is usually required by lenders. If one is not available the cost can range between $600 - $900 for a new survey. In lieu of the survey most lenders today will accept title insurance which can cost considerably less.
Legal Costs and Disbursements Lawyers and notaries charge fees for their services involved in drafting the title deed, preparing the mortgage, and conducting the various searches. Disbursements are out-of-pocket expenses incurred during the process such as registrations, searches, and supplies. (The legal cost can be from $1,000 to $1,200 Plus HST)
Land Transfer Tax Most provinces charge a land transfer tax payable by the purchaser. The amount varies depending on the province. Land transfer tax is based on the purchase price. First time home buyers purchasing a new or re-sale home may be entitled to a refund. (See Page 10 for Land Transfer Tax Cost for different properties)
New Home Warranty In most provinces new homes are covered by a new home warranty program. The cost to the purchaser for this warranty is approximately $600 and should the builder default or fail to build to an agreed-upon standard the fund will finish or repair the deficiencies to a maximum amount. For more information on Ontario new home warranty visit http://www.tarion.com
HST HST is payable on the purchase of a newly constructed homes only. If you are purchasing a new home make sure you know who pays this, you or the builder. On the offer the purchase price will say “Plus HST” or “HST Included” and who gets any HST rebates. Many builders have included this cost into the purchase price so the buyer does not have to come up with it at closing.
Closing Adjustments An estimate should be made for closing adjustments for bills the seller has prepaid such as property taxes, utility bills, and other charges. Any bills after the closing date are the responsibility of the purchaser. A lawyer will let you know what they are once the various searches have been completed.
Sellers Guide The Go-To Guide to Selling Your Home and Moving.
18 | Danish Homes Sellers Guide
Visit DanishHomes.ca for more details.
Call Danish to Inquire More! Call at: 416-846-5653 Danish Homes Sellerss Guide
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Deciding to Sell? Why Sell? Why do you want to sell your property? Do you intend to simply find a larger property, or do you plan on moving to another neighborhood, school district, city, or province? You might think your reasons are obvious, but it would do you well to consider the implications of each option for your lifestyle, opportunities & finances. Being clear about your intentions for selling will make it easier for us to determine the most appropriate option for your specified financial, lifestyle, and real estate goals.
When Should I Sell? You should immediately establish your time frame for selling. If you need to sell quickly, we can speed up the process by giving you a complete market analysis and action plan to obtain your goals. If there is no pressing need to sell immediately, you can sit down with one of our expert REALTORÂŽs to thoroughly review the current market conditions and find the most favorable time to sell.
What is The Market Like?
So you have decided to sell your property. Before anything else, it is a good idea to sit down and clarify your motivations and draw up a basic time frame for the selling process.
20 | Danish Homes Sellers Guide
When you work with us, you can be sure that you will have our knowledge, expertise and negotiating skills at work for you to arrive at the best market prices and terms. We will keep you up-to-date on what is happening in the marketplace and the price, financing, terms and conditions of competing properties. With us, you will know exactly how to price and when to sell your property.
How Do I Optimize My Finances? Deciding to sell your property demands a serious consideration of your current financial situation and future possibilities. With the help of our qualified team, you will be able to effectively assess the cumulative impact of these changes, estimate potential proceeds of selling your property, and plan effective tax savings and estate planning strategies. We will ensure that you not only take control of your finances, but use them to their fullest potential.
READY TO SELL? Selling your home isn’t a step to take lightly, and it can be a time-consuming and stressful process. Danish Homes Team have prepared a guide to selling your home that can show you what to expect when you sell, whether you’re downsizing or preparing for a larger family.
#HomeToStay Danish Homes Sellerss Guide
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Choosing a Realtor® & Price Why Should You Choose Danish Chaudhry? You may opt to sell your property independently, but there are many excellent reasons why you should choose us to assist you in this important step in your life. Selling your home is one of the most important decisions you will make, it will affect your family, your finances and your lifestyle. For such a large decision you deserve the best! Danish Homes Team’s full service, client –focused approach to real estate puts people first. Remember, we’ve done this before! Danish Homes experienced team will employ the most effective marketing and advertising strategies for your property and guide you through the complicated paperwork in involved, from the initial agreement to the final documents.
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Selling your home is a major transaction, and there are a lot of fine details to attend to in the process, not to mention all the paperwork! Having a professional in your corner can take the pain out of selling your home and provide you with a stress-free experience.
Call Danish to Inquire More! Call at: 416-846-5653
Danish Homes Sellerss Guide
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What To Look For In A ® REALTOR The following are some factors to keep in mind when looking for a listing agent: How can they help you? Selling your home is a complex and complicated process that is constantly changing. You want to make sure that you’re working with someone who can take this burden off of your shoulders and get you the results that you’re looking for. Would you rather have one person’s attention or a whole team devoted to the sale of your home? With DANISH HOMES Team you get a whole team of professionals working for you! Our professional agents & employees work together, creating a myriad of specialized skills and knowledge – all geared towards selling your home for the best possible price.
Constant Learning: One of the most important factors in choosing a real estate professional is our willingness to continually educate ourselves about the ever-changing real estate industry. Our professionals are continuously updating their training and education, allowing them to be among the most cutting-edge in their field.
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Experience and Expertise: You want a full-time REALTORÂŽ who is familiar with your area and with the type of property you intend to sell. Does he or she employ a diverse range of marketing and advertising strategies? How tech-savvy are they? How many similar properties has he or she been able to sell in the past? Let our expertise work towards the stress-free sale of your home.
Availability and Commitment:
Your agent should be capable of prompt and decisive action during the course of selling your property. They should be able to keep in touch with you via phone, email, text message, etc and should be readily available in case of emergencies or even for the simplest questions. Our Team is always available for you during the home selling process to address any questions or concerns that you may have. We have a team of agents and employees all working towards selling your home! We communicate with our clients through text, email, over the phone and in person. We will communicate with you in whichever way you are most comfortable!
Rapport: You want an agent to take the time to listen to your goals and clarify your needs. Your agent should understand your unique situation and be genuinely concerned about the outcome of the process. Your listing agent will be your guide and partner in this crucial decision, so it is important to find one with whom you are comfortable, can get along with and trust.
Call Danish to Inquire More! Call at: 416-846-5653
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What is your Property worth? Without a professional REALTOR®, most independent property sellers tend to overestimate the value of their property. There are dangers to overestimating your properties value that may cause your property to sit on the market for a longer period of time and could eventually cause your property to sell below market value: • Fewer buyers are attracted and fewer offers are received, if any • Marketing momentum from the initial listing is lost • The property attracts ‘lookers’ and helps competing houses look better by comparison You can avoid these pitfalls by consulting with an experienced real estate listing agent. At Danish Homes Team we believe that every home sale should be handled with the utmost responsibility and care. We believe that the selling process should be exciting, comfortable, informative and stress-free. We are committed to a consultative approach to selling your home so you can make informed decisions regarding the sale of your home.
26 | Danish Homes Sellers Guide
Know your homes worth With Danish!
Call Danish to Inquire More! Call at: 416-846-5653 Danish Homes Sellerss Guide
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What To Do To Prepare The following are some key factors to keep in mind when listing your property for sale: 1. CURB APPEAL Keeping your landscape pristine, and adding creative touches to your yard (such as colourful annuals or hanging baskets), and doing a simple clean up such as: cutting the lawn, removing garbage & debris and putting away recycling boxes, can create an immediate impact on passers-by and potential buyers.
2. PROPERTY REPAIRS AND UPDATES Perform minor repairs & updates as needed, simple things such as repairing foggy windows, and putting a fresh coat of paint in the most frequently used rooms will instantly brighten up the property.
3. CLEANLINESS AND STAGING We can’t stress this enough: Keep your property uncluttered, sweet-smelling and well-lit from top to bottom. Pay attention to details: put away kitty litter, place a vase of fresh flowers near the entryway, pop a batch of cookies in the oven, have your carpets cleaned. If you list with DANISH HOMES, you’ll receive a complimentary staging consultation, where our stager will give you some pointers on how to de-clutter and improve the staging of your property, so that it appeals to the widest audience of buyers.
Preparing When preparing your home to sell there are a lot of things that you can do to increase the appeal of your property and create a lasting impact on potential buyers. And most of them don’t cost any extra money!
4. SHOWTIME Ensuring that your home is ‘Showing Ready’ is something that you’ll need to keep in mind once your home is on the market, you never know when a new Buyer might want to book a showing! So it’s best to always be ready! There are a few basic things that you can do to ensure your home is always ready for showings: • Neat and Tidy: Make sure that the home is tidy and uncluttered, that means toothbrushes put away, no dishes in the sink, coats in the closet, etc. • Temperature: Make sure your home is set to a comfortable temperature; not too cold in the summer or too warm in the winter. • Lighting: Proper lighting always helps to show your tidy home in the ‘best light’. That means turning on all the lights at night or opening all curtains and blinds during the day. Turning the fireplace on in the winter is also a nice touch! • Stay Out of the Way: The last, and arguably most important rule of thumb when it comes to showings, is to make sure that you leave the property whenever showing are scheduled. Don’t sit outside the home in your car, or watch from the park across the street. Having the home owner present during showings can put buyers on edge and taint the whole viewing experience. You want a prospective buyer to feel comfortable while viewing your home so that they can picture themselves actually living there! Buyers feel more comfortable discussing the property with their showing agent, if you are not there. Moreover, agents will know what information will be most useful in representing your interests when speaking with prospective buyers.
to sell Call Danish to Inquire More! Call at: 416-846-5653
Accepting an Offer The Price is Not Always Right “The higher the price, the better the offer” Do not let yourself be fooled by this popular misconception. Price is not always the determining factor when accepting an offer for several important reasons: the initial offer is usually not final, and there are a number of terms and conditions that may influence the final outcome of a price. You can trust our professionals to help you thoroughly evaluate every proposal without compromising your marketing position.
Negotiating The Right Way We take the ethical responsibility of fairly negotiating contractual terms very seriously. It is our job to find a win-win agreement that is beneficial to all parties involved. You may even have to deal with multiple offers before ratifying the one you judge to be the most suitable for you – and as your agents, we will guarantee a thorough and objective assessment of each offer to help you make the right choice.
The Offer Process Once a buyer decides that your home is the right one for them, they will put in an offer. At this point your REALTOR® will discuss with you the terms of the offer and advise you on what to do next, based on your situation and needs. You may even receive several offers at once, in this situation your REALTOR® will guide and advise you but it is ultimately your decision when determining which offer you’d like to work with. Typically offers will go back and forth a few times between the buyers and the sellers as you try to agree on price and terms. When an offer goes back and forth like this it is referred to as being in ‘signback’. Any changes from the original offer will be documented in writing, although in extenuating circumstances negotiations will continue verbally until they can be documented in writing. This is where your REALTOR®’s negotiation skills and experience really go to work for you!
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The negotiating process is crucial. Having an experienced professional in your corner can pay off in terms of getting you a higher final price for your home, as well as in negotiating favorable contract conditions. Read on for more information on the offer process.
Some Important tips to keep in mind to streamline the process: Keep written records of everything For the sake of clarity, it will be extremely useful to transcribe all verbal agreements including counter-offers and addendums, and convert them to written agreements to be signed by both parties. We will draft all of the paperwork for your sale and make sure that you have copies of everything. Stick to the schedule Now that you have chosen your offer, you and the buyer will be given a timeline to mark every stage in the process of closing the real estate contract. Meeting the requirements on time ensures a smoother flow of negotiations and also ensures that each party involved is not in breach of their agreements. During the process we will keep you constantly updated so you will always be prepared for the next step.
Call Danish to Inquire More! Call at: 416-846-5653 Danish Homes Sellerss Guide
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Conditions, Inspections & Appraisals The Conditional Period Once the offer is accepted the conditional period begins. All of the conditions in the offer must be met before it can become firm and the deal finalized. Most offers contain the following conditions: • Finance: Mortgage approval for the purchase will need to be obtained by the buyers for this condition to be met. • Appraisals: Expect an appraiser from the lender’s company to review your property and verify that the sales price is appropriate. • Inspection: A professional home inspector will thoroughly check the home and let the buyers know if there is anything to be concerned about. The inspection will be scheduled by the buyer’s agent. • Insurance: Buyers who are obtaining a mortgage, are required by their lender to purchase insurance on the property. And sometimes: • Sale of Purchasers Property or SSPIf your buyers are purchasing a property and still need to sell their current property they might make this condition part of their offer. Your agent will guide you and help you decide whether to accept an offer with this condition or not, and what type of timeline you will allow if you do accept it. Depending on the outcome of the inspections, one of two things may happen: • Either each milestone is successfully met and the conditions will be removed, bringing you one step closer to the closing; or • The buyer, after reviewing the property and the papers, requests a renegotiation of the terms of the contract (usually price). • How do you respond objectively and fairly to the buyer when a renegotiation is demanded, while acting in your best interests? This is when a professional listing agent can make a real difference in the outcome of the transaction. Having dealt with various property sales in the past, we guarantee our expertise and total commitment to every customer, no matter what their situation is. When all of the negotiations have concluded, conditions have been met and the appropriate paperwork is signed and submitted the offer is considered firm.
A Firm Offer Now that all of the conditions have been met the offer is firm, congratulations you just sold your house! All that’s left to do is to get ready to move on closing day. 32 | Danish Homes Sellers Guide
Call Danish to Inquire More! Call at: 416-846-5653
Once an Offer to Purchase has been accepted, the agreement enters the conditional period. Now is the time when all of those conditions laid out in the contract must be fulfilled in order for the deal to go forward. Once all conditions are filled, the deal is said to be firm.
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Closing The Final Walk-Through More of a formality than anything else, the final inspection takes place anywhere from a few days before closing to the day before; The buyer visits the property to verify that all is in working order, everything is the same as when the buyer last viewed the property, and that there are no extra items left behind.
Cancel Home Services & Utilities We will provide you with a list of useful numbers for you to contact for the termination of home services & utilities before closing day.
Be Prepared We are ready to assist you should an unforeseen glitch pop up, even at this last stage. If something at the property breaks down, or some other minor issue arises – there is no need to worry! We have encountered these problems before so we know how to handle them efficiently and in a stress-free manor.
Closing Day – What to Expect The biggest misconception when it comes to closing is that come closing the new owners get the keys right away and can start moving in, although this would be ideal it’s simply not the way things work. In order for the keys to be passed from the seller to the buyer you have to wait for the title to be transferred. The title transfer is handled by your lawyer, who is your biggest ally come closing day. Your lawyer will notify you after the title has transferred. This generally happens between 1:00 and 5:00 PM. What a lot of people aren’t aware of is that as soon as the title has transferred, legally the house is no longer yours and you must vacate the premises. Because you can never be sure what time the title will transfer we recommend, if possible, to try and have everything packed and out of the house the day before closing or the morning of. This will just help to keep closing day as stress-free as possible.
Once the title has officially transferred, it’s time to celebrate; your house has officially sold and you can move on to your next stage in the property ladder!
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Call at: 416-846-5653
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RECENTLY SOLD PROPERTIES
SOLD
SOLD
SOLD
1 Sprucewood Rd Brampton
7 Tribune Dr Brampton
72 Abercrombie Cres Brampton
SOLD for: $650,000
SOLD for $822,500
SOLD for $1,101,000
SOLD
SOLD
125 Madelaine Dr Barrie
140 Brisdale Dr Brampton
SOLD for $680,000
SOLD for $830,000
36 | Danish Homes Guide For All
SOLD 4696 Antelope Cres Mississauga Bought for Client for $750,000
RECENTLY SOLD PROPERTIES
SOLD
SOLD
124 Baffin Cres Brampton
97 Eldomar Brampton
SOLD for $615,000
SOLD for $581,000
SOLD 18 Burgby Ave Brampton SOLD for 678,000
SOLD 3439 Laddie Cres Mississauga Bought for Client for $590,000
SOLD 94 Flurry Circ Brampton Bought for Client for $745,000
SOLD 7432 Bybrook Dr Mississauga SOLD for $600,000 Danish Homes Guide For All
| 37
RECENTLY SOLD PROPERTIES SOLD 31 Glenmanor Dr Brampton Bought for Client for $774,786
SOLD 26 Polygon Crt Brampton Bought for Client for $707,000 38 | Danish Homes Guide For All
SOLD 28 Little Britain Cres Brampton Bought for Client for $1,090,000
SOLD
SOLD 28 Cormel St Vaughan SOLD for $785,000
SOLD
25 Franseco St Brampton
22 Trewartha Cres Brampton
Sold for $582,000
SOLD for $626,500
RECENTLY SOLD PROPERTIES SOLD 27 Hoover Rd Brampton Bought for Client for $650,000
SOLD
SOLD 31 Upperlinks Dr. brampton Great Purchase for Buyer clinets
SOLD
21 Deloraine Dr Brampton
146 Ardwick Blvd. Brampton
SOLD for 720,000
SOLD for: $650,000
SOLD 5 Cottontail Rd. Brampton 3,000 over asking price
SOLD ph#4002-318 Richmond St_W Toronto SOLD for 762,000 Danish Homes Guide For All
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RECENTLY SOLD PROPERTIES SOLD 56 Pauline Cres Brampton SOLD for $628,500
SOLD 44 Van Fleet Terrace Milton SOLD for $630,000 40 | Danish Homes Guide For All
SOLD 54 Stewardship Rd Brampton Bought for Client for $614,000
SOLD 40 Long Meadow Brampton Bought for Client for $910,000
SOLD 52 Jay Street Brampton Bought for Client for $705,000
SOLD 34 Brubeck Rd Toronto SOLD for $710,000
RECENTLY SOLD PROPERTIES SOLD
SOLD
51 Richgrove Dr Brampton
51 Baffin Cres Brampton
SOLD for $1,048,000
SOLD for $800,000
SOLD 33 Callalily Rd Brampton Bought for Client for $712,000
SOLD 32 Zanetta Cres Brampton SOLD for $730,000
SOLD 45 Bluewater Tr Vaughan Bought for Client for $816,000
SOLD 31 Hoover Rd Brampton Bought for Client for $645,000 Danish Homes Guide For All
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MORTGAGE
EASY! 1st Mortgage • Purchase/Refinance • Rental Property • Buying your first home • Commercial Property • Second Home • Better Rate
2nd Mortgage/Private Funds • Debt Consolidation • Bridge Financing • Private Funded Mortgages • Mortgage/Property Tax Arrear • CRA Tax Arrears • Equity Take Outs Renovations/Upgrades
Residential Mortgage • 10,2.,3. Mortgages • Refinancing & Switch • New Purchase with Low Interest Rate • Home Equity Line Of Credit • Private Mortgage • Home Renovation • Debt Consolidation
Commercial Mortgage • Business Loan • Construction Loan • Land Acquisitions
Ph: 647.272.5221 / 416.938.1666
NEED A LOAN OR MORTGAGE? Residential & Commercial Motels Gas Stations Apartment Buildings Industrial Buildings Equity Financing Business & Construction Loans Bridge Financing Private Loans & Mortgages Debt Consolidation Mortgage registration and discharge at discounted rate $450.00 Flat
(including disbursement)
Private funds available Rehan Chaudary Cell: 416-938-1666 Email: rehan@deltaf.ca
Ahmed Ibrahim Cell: 647-272-5221 Email: ahmed@deltaf.ca
7 queen st. west brampton on l6y 1l9
Mortgage Loan Step-by-step process
TIP:
Think twice before paying off your mortgage. When you do so, you give up your short currency hedge.
To initaiate your mortgage load please Call Danish Today: 416-846-5653 44 | Danish Homes Guide For All
important Stats Ontario Monthly Summary
Ontario Year-To-Date Summary
5 Costly Mistakes Home Buyers Make. Mistake #1
Not knowing what they can afford before making an offer. The best way to avoid this is to get pre-approved for a mortgage so you know exactly how much you can afford. Usually pre-approvals are free.
Mistake #2 Not knowing who the
agent represents.
Unless an agent is working as your buyer representative, they represent the seller. Many people don’t realize this.
Mistake #3 Choosing the wrong
mortgage.
A bad mortgage can cost you thousands in taxes and interest. Consult an accountant before you choose your mortgage.
Mistake #4
Not finding problems with the home before buying it. You should always have a professional inspector look at the home before buying it, otherwise you could be looking at huge repair costs later on. Read this guide to avoiding a money pit.
Mistake #5
Not understanding how their credit can impact their ability to purchase or refinance a home. Danish Homes Guide For All
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30 Years amortization Statistics
48 | Danish Homes Guide For All
We can arrange mortgages for your next dream home!
Call Danish to discuss all your mortgage needs.
Call: 416-846-5653
7 queen st. west brampton on l6y 1l9 Canada Ph: 647.272.5221 Ph: 416.938.1666