Office: 778.432.4611 |


A month into the new year and 2015 has already been a great year for our team. We have kept busy by meeting new clients, organizing our upcoming mini series and helping 8 clients move this month alone! 


Read on for mortgage brokers vs banks, market analysis tools and great apps. 


5 Reasons Why We Choose Brokers Over Banks 


1. Options: Mortgage brokers have a database of lenders and mortgage rates and they will do the shopping around for you whereas a bank relies on their rates. Brokers may also be able to negotiate you a better rate than your bank.

2. Service: Brokers do not represent any one lender so they are able to give independent advice based on your best interest. Brokers will look at your long term goals and find ways to save you money and pay off your mortgage faster. If you can't make it to an office during business hours, you may be able to arrange with a broker to meet you at your home in the evening.


3. Speed: When you have an accepted offer, there is a limited amount of time to get a financing approval. In our experience, brokers work faster than banks. 
4. Credit Reports: If you shop around to different lenders, your credit report may be pulled multiple times which could negatively effect your score. Brokers will only pull your credit score once and if your credit score is low, a broker can give you advice on how to bring the score up.
5. Potential Penalties & The Fine Print: Whether you want to pay off your mortgage before the fixed term is up, port your mortgage to a new property or have someone else assume your mortgage, a broker will be able to navigate the fine print of every lender. Banks typically have the largest penalties compared to lenders that only brokers have access to. 
Housing Market Information Portal 
For all of our past clients, keep your eyes peeled on your inbox the next few weeks as we will be sending out valuable market information about your home and surrounding area. We'll be providing you with a great snapshot of what has been happening in the housing market in your neck of the woods. 
In the meantime or if you have not bought or sold your home with us, check out this awesome portal hosted by CMHC. Poke around this interactive map to find out vacancy rates, population, average rental prices and housing need in different areas. 

Never Miss a Pick-Up Day! 
You have a millions things to think of on any given day - don't think about garbage! If this is the first you are hearing of the CRD's recycling reminder app, you may have just saved yourself from running out to your curb in your slippers and robe. Visit the CRD's website to download an app for your phone that will notify you on pick up days - even on those tricky statutory holidays. Check your municipality's website if they have one for waste/food scraps like the City of Victoria's
Read full post

It is my goal to go as-paperless-as-possible in my business and therefore will be transitioning to more paper-free methods of doing business.  With the advancement of technology it’s becoming easier to be paperless in the real estate industry.  Here are some examples:

Realty Nuance is a fabulous electronic filing system where I store documents and contracts which can be accessed by my clients.  Only one copy of the agreement has to be signed before it is uploaded for everyone to access. In the past, up to four copies of a contract would have to be printed. There is also a feature in Nuance for sellers to monitor showings and feedback when their home is listed. If you are a current or past client who has forgotten how to access your documents, simply visit the site here.

iPads and tablets are the way of the future! With these tools we can sign and send documents electronically, view listing details, take notes at showings, and demonstrate listing presentations all without paper! Check out this fabulous video put out by Apple on how one real estate firm in Austin, TX uses their iPads at work.

Read full post
Categories:   advice | apps | Assessed value | avoiding penalties | banks | BC | BC Assesment | BCREA | best time to sell | British Columbia | bubble | buyers | Buyers Agent | buying | buying a home | buying in BC | buying real estate | charity challenge | chickens | CMHC | Co Lagoon, Colwood Real Estate | Co Royal Bay, Colwood Real Estate | Co Triangle, Colwood Real Estate | Co Wishart North, Colwood Real Estate | Colwood | Colwood, BC | CR | CRD | credit reports | CS Brentwood Bay, Central Saanich Real Estate | CS Tanner, Central Saanich Real Estate | decor | decorating | DIY | Dog Parks | Dogs | Dollar Divas | downsize | Energy efficiency | Es Esquimalt, Esquimalt Real Estate | Es Gorge Vale, Esquimalt Real Estate | Es Kinsmen Park, Esquimalt Real Estate | Es Old Esquimalt, Esquimalt Real Estate | Es Rockheights, Esquimalt Real Estate | Es Saxe Point, Esquimalt Real Estate | Events | Fall | february | festive | Finances | financial advice | fine print | First impressions | First time buyers | float homes | flowers | free money | fundraiser | garden | gardening | GI Piers Island, Gulf Islands Real Estate | Government rebates | Heating | holidays | home | home maintenance | Home Ownership | Home values | Hou | house for sale | house with suite | housing market | housing starts | HST | Humor | inspection | inspectors | interest rate | Investing | iPad | La Bear Mountain, Langford Real Estate | La Florence Lake, Langford Real Estate | La Happy Valley, Langford Real Estate | La Jacklin, Langford Real Estate | La Langford Proper, Langford Real Estate | La Luxton, Langford Real Estate | La Mill Hill, Langford Real Estate | La Olympic View, Langford Real Estate | La Walfred, Langford Real Estate | La Westhills, Langford Real Estate | lenders | listing | Live Smart BC | market correction | Market News | mayor | Mayor Ken Williams | Me Kangaroo, Metchosin Real Estate | Me Rocky Point, Metchosin Real Estate | ML Mill Bay, Malahat & Area Real Estate | ML Shawnigan Lake, Malahat & Area Real Estate | modern | mortgage | mortgage broker | mortgage rates | Mortgages | Moss removal | mould | moving | moving to BC | moving to Victoria | new home bonus | new homes | NS Ardmore, North Saanich Real Estate | NS Bazan Bay, North Saanich Real Estate | Oak Bay | OB Estevan, Oak Bay Real Estate | OB Henderson, Oak Bay Real Estate | OB North Oak Bay, Oak Bay Real Estate | OB South Oak Bay, Oak Bay Real Estate | options | organic gardening | Paperless | Personal | property | Property transfer tax | Races | rates | RBC | real estate | real estate market | Real estate write ups | realtor fees | Recipes | recycling | renovations | rental | retirement | royal lepage shelter foundation | Running | Save money | SE Arbutus, Saanich East Real Estate | SE Broadmead, Saanich East Real Estate | SE Cadboro Bay, Saanich East Real Estate | SE Camosun, Saanich East Real Estate | SE Cedar Hill, Saanich East Real Estate | SE Cordova Bay, Saanich East Real Estate | SE Gordon Head, Saanich East Real Estate | SE High Quadra, Saanich East Real Estate | SE Lake Hill, Saanich East Real Estate | SE Lambrick Park, Saanich East Real Estate | SE Maplewood, Saanich East Real Estate | SE Mt Doug, Saanich East Real Estate | SE Mt Tolmie, Saanich East Real Estate | SE Quadra, Saanich East Real Estate | SE Queenswood, Saanich East Real Estate | SE Swan Lake, Saanich East Real Estate | selling | service | shelter | Si Sidney South-West, Sidney Real Estate | Sk East Sooke, Sooke Real Estate | Sk Sooke Vill Core, Sooke Real Estate | spring market | staging | SW Gateway, Saanich West Real Estate | SW Glanford, Saanich West Real Estate | SW Gorge, Saanich West Real Estate | SW Interurban, Saanich West Real Estate | SW Royal Oak, Saanich West Real Estate | SW Rudd Park, Saanich West Real Estate | SW Strawberry Vale, Saanich West Real Estate | SW Tillicum, Saanich West Real Estate | Tablet | Tasha Noble | taxes | Tech tips | The Highlands | Tips | Tweed Magazine | unemployment rate | Uplands Park | urban farming | vacancy rates | Vi Burnside, Saanich West Real Estate | Vi Burnside, Victoria Real Estate | Vi Central Park, Victoria Real Estate | Vi Downtown, Victoria Real Estate | Vi Fairfield East, Victoria Real Estate | Vi Fairfield West, Victoria Real Estate | Vi Fernwood, Victoria Real Estate | Vi Hillside, Victoria Real Estate | Vi James Bay, Victoria Real Estate | Vi Jubilee, Victoria Real Estate | Vi Mayfair, Victoria Real Estate | Vi Oaklands, Victoria Real Estate | Vi Rockland, Victoria Real Estate | victoria | victoria event | Victoria Market News | Victoria Real Estate | VR Hospital, View Royal Real Estate | VR Prior Lake, View Royal Real Estate | VR Six Mile, View Royal Real Estate | VW Songhees, Victoria West Real Estate | VW Victoria West, Victoria West Real Estate | Walking Trails | Warm | Willows Beach | Winter | yyj | Z03 Duncan, Zone 3 - Duncan Real Estate