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Posts tagged ‘first time’

Upcoming First Time Buyer Real Estate Seminar – Sooke, Victoria, BC

Is this the year you stop paying rent and start paying yourself? If you’re considering buying your first home in 2012, you should make sure that you join me on February 15th (Langford) or February 16th (Sooke) for a free and informative interactive seminar – Buying Your First Home.  Read more

Feb 15, 2011: Free Victoria Real Estate Seminar: Buying Your First Home

 

 

 

Is this the year you buy your first home? There are plenty of great properties on the market, and prices are more attractive than in recent months. Interest rates are still low, but expected to rise this year.

How much do you need and how can you save for a down payment? What’s the best type of mortgage for you? What homes are available and what sorts of programs are out there to help a first-time buyer?

How will the new mortgage rules that come into effect this year affect your buying power? Do all homes have HST applied to the price?

All these questions and more will be answered at a fun, free, interactive seminar I’m putting on next month with two other professionals.

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Upcoming Free Victoria Real Estate Seminar: Buying Your First Home

Sure, it’s getting close to Christmas, and no one wants to move, but why not get educated so you can plan for your first home purchase in 2011! There are plenty of great properties on the market, and prices are more attractive than in recent months. Interest rates are experiencing a double-dip with near record-low rates!

How much do you need and how can you save for a down payment? What’s the best type of mortgage for you? What homes are available and what sorts of programs are out there to help a first-time buyer?

How hard is it to qualify with the new mortgage rules that came into effect this year? Do all homes have HST applied to the price?

All these questions and more will be answered at a fun, free, interactive seminar I’m putting on next month with two other professionals.

Jeremy Kimm, CFP, FMA, Financial Consultant, Investors Group Financial Services Inc.will talk about how to save for that ever-important down payment, and government programs to assist home buyers. Find out the details of how to borrow from your RRSP tax-free to help you buy a house, and other tricks of the trade.

Robert Boyd, Mortgage Expert with Dominion Lending will present on the various types of mortgages that are available, how to apply, and how to get the best rate possible to save you money. Learn about mortgages and rates, amortization and prepayment and take the mystery out of mortgages

Tim Ayres (that’s me!), REALTOR® with Royal LePage Coast Capital Realty will walk you through the home-buying process – how we search for a home together, showings, offers, negotiation and finally, getting the keys to your new home. Find out what to look for, how to ensure you get what you need, and how having an experienced REALTOR® on your side can help.

When: Tuesday, November 23rd, 2010, 7PM.

Where: Investors Group Westshore office, 201 – 630 Goldstream [map] – [street view]

The seminar is free, but we have limited space, so please phone me at 250-885-0512, fill in the form below or visit TimAyres.ca/seminars for more information.

Tim Ayres – Sooke Real Estate Professional

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Upcoming Free Victoria BC Real Estate Seminar: Buying A Home

House for Sale in Sooke

Ah… springtime… when a young person’s thoughts turn to… buying a home, of course! The spring market is here, and many first-time buyers are taking advantage of record low interest rates and making the jump into their own homes.

How much do you need and how can you save for a down payment? What’s the best type of mortgage for you? What homes are available and what sorts of programs are out there to help a first-time buyer?

How will the upcoming mortgage rule changes affect my affordability? Will the HST spoil my dream of home ownership?

All these questions and more will be answered at a fun, free, interactive seminar I’m putting on next month with two other professionals.

A Certified Financial Planner will talk about how to save for that ever-important down payment, and government programs to assist home buyers. Find out the details of how to borrow from your RRSP tax-free to help you buy a house, and other tricks of the trade.

Robert Boyd, Mortgage Expert with Dominion Lending will present on the various types of mortgages that are available, how to apply, and how to get the best rate possible to save you money. Learn about mortgages and rates, amortization and prepayment and take the mystery out of mortgages

Tim Ayres (that’s me!), REALTOR® with Royal LePage Coast Capital Realty will walk you through the home-buying process – how we search for a home together, showings, offers, negotiation and finally, getting the keys to your new home. Find out what to look for, how to ensure you get what you need, and how having an experienced REALTOR® on your side can help.

When: Tuesday, March 30th, 2010, 7PM.

Where: Investors Group Westshore office, 201 – 630 Goldstream [map] – [street view]

The seminar is free, but we have limited space, so please phone me at 250-885-0512, fill in the form below or visit TimAyres.ca/seminars for more information.

Tim Ayres – Sooke Real Estate Professional

Your comments are welcomed and encouraged!
Just use the form or link below this post.

You can bookmark this post using the button below,
or subscribe to this blog for free updates using the big buttons on the sidebar!

Upcoming Free Victoria BC Real Estate Seminar: Buying A Home

House for Sale in Sooke

Is 2010 the year you decide to stop paying rent and invest in your future in the form of your very own home? How much do you need and how can you save for a down payment? What’s the best type of mortgage for you? What homes are available and what sorts of programs are out there to help a first-time buyer?

All these questions and more will be answered at a fun, free, interactive seminar I’m putting on next month with two other professionals.

A Certified Financial Planner will talk about how to save for that ever-important down payment, and government programs to assist home buyers. Find out the details of how to borrow from your RRSP tax-free to help you buy a house, and other tricks of the trade.

Robert Boyd, Mortgage Expert with Dominion Lending will present on the various types of mortgages that are available, how to apply, and how to get the best rate possible to save you money. Learn about mortgages and rates, amortization and prepayment and take the mystery out of mortgages

Tim Ayres (that’s me!), REALTOR® with Royal LePage Coast Capital Realty will walk you through the home-buying process – how we search for a home together, showings, offers, negotiation and finally, getting the keys to your new home. Find out what to look for, how to ensure you get what you need, and how having an experienced REALTOR® on your side can help.

When: February 9th, 2010, 7PM.

Where: Investors Group Westshore office, 201 – 630 Goldstream [map] – [street view]

The seminar is free, but we have limited space, so please phone me at 250-885-0512, fill in the form below or visit TimAyres.ca/seminars for more information.

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Tim Ayres – Sooke Real Estate Professional

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Just use the form or link below this post.

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Free Real Estate Seminars

Could this be your next home?

Could this be your next home?

I will be co-hosting a series of real estate seminars on Thursday, June 11th at the Juan de Fuca Library, beside the rec centre on the Island Highway. Joining  me are Alexis Mills, a mortgage broker, and Jeremy Kimm, a financial planner, for three different perspectives about buying and selling real estate.

We have two seminars planned for the evening. You can attend one or both, depending on your needs.

Your presenters are:

Tim Ayres – Royal LePage Coast Capital Realty: Tim has a unique approach to real estate, and offers sound, impartial advice to all clients, coaching them along every step of the way. Tim’s no-pressure approach makes his clients feel at ease, empowered, and confident in their real estate transactions.

Alexis Mills – Global Mortgage Corp: Alexis is a true professional in the mortgage world, offering her clients outstanding service and the best rates, bar none. Alexis works incredibly hard on every mortgage, ensuring her clients are matched with the best mortgage product in today’s ever-increasingly complex world of mortgage financing.

Jeremy Kimm, CFP, FMA, Financial Consultant, Investors Group Financial Services Inc.: Jeremy has an enthusiastic, yet straight-forward approach to financial services. From life insurance to long-and-short-term investment planning and more, Jeremy’s friendly deameanor and expert knowledge enables his clients to ensure they have the most effective financial plan going forward.

6:45-8:00pm at the Juan De Fuca Library: Upsizing, Downsizing, Investment, and Vacation Properties. Join us for an informative look at moving up or moving down in the Victoria real estate market, purchasing an investment property, and purchasing a vacation property. You’ll learn about buying and selling strategies, mortgage requirements and innovations to help you save, and about the potential tax consequences and how to avoid them.

8:00-9:00pm at the Juan De Fuca Library: Buying Your First Home. First time buyers drive the real estate market in most areas. They allow the move-up buyers to move up and have been instrumental in kick-starting our real estate market in recent months. How can you take advantage of record-low interest rates, falling real estate prices, and government incentives to purchase your first home? What are the steps involved? How can I save a down payment? This very popular seminar has helped many first-time buyers get into their first homes in the past few years.

You can attend both seminars if you wish!

Seminars are free, but space is limited! Please call Tim at 250-885-0512 or fill in the form below to reserve your seat:

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Tim Ayres – Sooke Real Estate Professional

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First Time Buyer Friday #5 – Do I Need A REALTOR®?

In my continuing series, First-Time-Buyer Fridays, I answer a common question from a first-time buyer. If you have a question to submit, first-time-buyer or experienced investor, put one in the comments below, or fire me an e-mail at Tim@TimAyres.ca.

The right agent can make all the difference.

The right agent can make all the difference.

Q. I can search the MLS® myself, go around to open houses myself, and call the number on the sign or ad of any home I want to look at, so why should I work with a REALTOR®?

A. While it’s true that you can do all of the above, it’s really worth your while to find a dedicated agent to work with. The role of an agent has changed drastically in the last few years. In the past, an agent would be the sole source of information on properties for sale, using a paper-based MLS catalogue. However, in today’s world, with property information available 24/7 on the Internet and in real estate publications, real estate agents are no longer the gatekeepers of all the information on real estate (although some would still like to believe that they are).

Before, all agents were assumed to be working for the seller; buyers were offered very little in the way of agency representation. Even the REALTOR® that would take you around in the back of his or her car and write offers on your behalf was technically working for the seller, with no direct legal responsibility to look after the buyer’s best interests. Today, there are agents that work only with buyers. An agent working with a buyer now works directly for that buyer and has the legal obligation to protect that buyer’s interests.

Working with an agent today is about convenience and care. If you see 4 or 5 houses you want to look at, rather than waiting around for 4 or 5 agents to call you back, you make one call to your  dedicated agent who will organize the listings in a logical showing sequence and book all the appointments for you. All you need to do is show up and check out the homes.In most areas, including Victoria and Sooke, a REALTOR® can also set up a personalized client account which will send you the most current listings, and will notify you of price changes for the type of property you are looking to buy. The private client accounts have much more information than you can find on the consumer-oriented real estate search portals like REALTOR.ca.

An agent also looks at things objectively, pointing out practical things you might have missed while being distracted by the stainless steel appliances! Over time, an experienced agent gives a wealth of information about the city in which he or she works. He or she will know which condos are the best, which buildings have problems, where the best pubs and cafes are.

An agent looks after your best interests. He or she will ensure your rights, needs, and wants are reflected accurately in the purchase agreement, and that the contract is legally enforceable. A good agent will pull up recent comparable sales to ensure you’re paying a fair price. A REALTOR® will help you take care of the details of closing, and can refer you to other trusted professionals you’ll need along the way like a lawyer or notary for conveyancing, home inspector, tradespeople, and so 0n.

Also, by working with an agent, you’ll get to know him or her and develop a long-lasting working relationship that continues after the sale in the years to come. He or she will get to know you and anticipate your needs and wants, and won’t waste your time showing you properties that you won’t like.

Some people believe that by working directly with the listing agent they’ll be able to get a better deal, but generally, this is a misconception. While REALTORS® are legally able to work with both a buyer and  a seller, if both consent, that agent already has a close working relationship with the seller  and is unlikely to give you a better deal, because he or she is already looking after the seller’s best interests and has a legal duty to the seller to obtain the best deal possible.

Finally, working with a REALTOR® to find your first home costs you nothing. A buyer’s agent is paid by the seller of the property you buy. You’ll appreciate the guidance and support of an experienced REALTOR®, who has helped dozens or even hundreds of people just like you get into their very first home.

Tim Ayres – Sooke Real Estate Professional

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Election Promises – Harper’s First Time Home Buyer Plan Is Garbage! [Video]

Prime Minister Stephen Harper announced this week that his government if elected, would help out first time home buyers by introducing a $5000 tax credit, to be rolled out over four years (whatever that means). While on the surface the “simple, modest and practical” plan sounds good (woot, $5000 from the gov’ment!) when you look at it it’s kind of bass-ackwards, and not that much money. Closing costs for a buyer of a property can run into the thousands of dollars, when you factor in appraisals, inspections, lawyer fees, title insurance and/or survey, and the Provincial property purchase tax. Harper’s tax credit would reduce your taxable income by a maximum of $5000, which translates to a maximum cash benefit of $750. And it comes in March or whenever you file your tax return. “Gee, thanks for the help last year when I bought my house and actually needed the money then.

I think the people who should be making election promises to first-time home buyers should be the Provincial governments. Here in BC, the government collects a tax of 1% on the first $200,000 and 2% on the balance for doing nothing. There is a first-time buyer exemption, but not everyone qualifies. I didn’t, my sister didn’t. Lots of my clients don’t. Obviously, this is a huge cash cow for the government and they’d hate to see it go, but it needs to be reduced or phased out.

Tim Ayres – Sooke Real Estate Professional

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First-Time Home Buyer's Seminar

West Shore Professionals Hosting Free Event

Tuesday, January 29th, 2008 at 6:00 P.M.

Exclusive first-time buyer’s seminar. Hosted by three of the West Shore’s best and brightest professionals, this informative presentation will enlighten you on the process of buying your first home, and lay out options to make your home ownership dreams a reality!

Your Hosts:

Jeremy Kimm, Certified Financial Planner. Jeremy will explain how to take advantage of investment, government programs and tax strategies to help you quickly “create” a down payment on your first home.
Alexis Mills, Accredited Mortgage Professional. Alexis will spell out the different financing options that have become available, and how the services of a mortgage broker can get you better interest rates than the banks and credit unions. Alexis has access to over 50 different lenders, making them compete for your business.
Tim Ayres, REALTOR®. Tim will go through the home-buying process, step by step, explaining all the details and de-mystifying this exciting and important time in your life. Tim will show you how you can be the first to know about property deals when they become available!

If you’re planning to stop paying rent in 2008, you simply can’t afford to miss this free seminar. From savings to sun decks, closets to closing, you’ll leave empowered with knowledge you can use!

Tuesday, January 29th at 6:00PM
At the West Shore Investor’s Group Office
201-630 Goldstream Ave

Space is limited; please call Tim at 642-6361 or e-mail to reserve your spot!

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First-Time Home Buyer’s Seminar

West Shore Professionals Hosting Free Event

Tuesday, January 29th, 2008 at 6:00 P.M.

Exclusive first-time buyer’s seminar. Hosted by three of the West Shore’s best and brightest professionals, this informative presentation will enlighten you on the process of buying your first home, and lay out options to make your home ownership dreams a reality!

Your Hosts:

Jeremy Kimm, Certified Financial Planner. Jeremy will explain how to take advantage of investment, government programs and tax strategies to help you quickly “create” a down payment on your first home.
Alexis Mills, Accredited Mortgage Professional. Alexis will spell out the different financing options that have become available, and how the services of a mortgage broker can get you better interest rates than the banks and credit unions. Alexis has access to over 50 different lenders, making them compete for your business.
Tim Ayres, REALTOR®. Tim will go through the home-buying process, step by step, explaining all the details and de-mystifying this exciting and important time in your life. Tim will show you how you can be the first to know about property deals when they become available!

If you’re planning to stop paying rent in 2008, you simply can’t afford to miss this free seminar. From savings to sun decks, closets to closing, you’ll leave empowered with knowledge you can use!

Tuesday, January 29th at 6:00PM
At the West Shore Investor’s Group Office
201-630 Goldstream Ave

Space is limited; please call Tim at 642-6361 or e-mail to reserve your spot!

Subscribe via e-mail, your favourite feed reader, or bookmark this post:

Subscribe  by Email AddThis Feed Button AddThis Social Bookmark Button