Yonge/Sheppard

50 X 118 Building Lot Opportunity. Quiet Street, Park, Walk To Subway, $580,000

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Bayview/York Mills Area Building Lot To $1.500,000 + Luxury 2 Storey Home To $3,200,000

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                          Home Selling And Buying Made Easy

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Michael Wilchesky Is A Corporate Lawyer At Baker, Schneider, Ruggiero In Toronto, And Recently Sent The Following E-Mail To Michael Kalles, President Of Harvey Kalles Real Estate Ltd., Brokerage:

"I just wanted to send you an e-mail concerning our agent Jeffrey Joseph.  We just recently purchased a home with him, after EIGHT months of searching.  He was helpful, patient, and knowledgeable throughout the entire process and truly a pleasure to work with.  I hope you recognize that you are lucky to have him as an agent.  He is a terrific ambassador for your agency, as he always puts his clients' needs first and offers advice where it is requested.  I thought he deserved some credit for the wonderful job he did for us."

The Toronto Market Is Good, Very Good!!

The Buyers Are Buying, So Now Is The Time To Be Selling.  2010 Sales Are Amazing Compared To The Latter Part Of 2008 And The Early Part Of 2009.  Interest Rates Are Still Ridiculously Low, And There Is A Shortage Of Listings In Some Areas.  If You Were On The Market Previously, And Didn't Sell, Try It Again Now.  The Timing Just Couldn't Be Better; Just Take A Look At The LATEST TORONTO STATISTICS In The Left Menu, Bottom Button.

Call Us For An Accurate Evaluation Of Your Property.  We Will Provide A Top Notch Marketing Plan, And, Tell You About Our Satisfaction Guarantee.   We Provide Information Only, No Closing Techniques Or Pressure, And That's A Promise.

If You Are A Buyer, It Would Be A Good Idea To Work With Realtors, Us For Example, To Help Navigate This Difficult Market.  The Price Is Right For The Service That We Provide; No Charge!  The Seller Pays Our Fee.  We Will Discuss A Plan To Find The Right Home For You, Be It A House, Or A Condominium Townhome Or Apartment,  There Is A Guarantee Here Too, And We Never Ask You To Raise You Price, Promise!

We've Worked Together Since 1984 And Have Developed A Synergy Effect That Works Well, Very Well, And,  We Have A Long List Of Excellent References.  416-782-7000 or By E-Mail To JeffreyJoseph@Realtor.Com For An Appointment To Interview Us.

Click here To See Collections Magazine By Harvey Kalles

Winter Edition Now Available

It's Best Not To Combine A Mortgage And A Line Of Credit

Beware Of Loans Tied To 'Real' Mortgage

After Nathaniel and Danielle signed a contract to buy their Toronto dream home for $450,000, they contacted a mortgage officer at their bank to arrange financing. Their down payment of $115,000 represented more than 25 per cent of the purchase price, and they applied for a conventional first mortgage of $335,000.

At least, that's what they thought they were getting. In addition to the underlying mortgage loan, however, the bank representative talked them into taking a line of credit, which they could draw on at any time in the future if they needed to borrow more than the $335,000 mortgage.

The mind-numbing agreement that the banker had them sign contains 29 pages of small print that would cure even the most stubborn case of insomnia.  MORE

The Fed Changes Mortgage Rules

For Information On The New Mortgage Rules Just Handed Down By The Government Of Canada, Click Here Without Obligation Or Charge, Or Call Us At 416-782-7000.

Mortgage Rate Update 

At The Rates Below, It Is A Great Time To Make A Purchase.  We Will Negotiate The 'Right Price' For You.  If Not, We Will NOT Encourage You To Raise Your Price, But We Will Recommend To Walk Away And We Will Find Another One.  The Selection Is Very Good In Some Areas Now, But Not In Others.  Historically, Real Estate Has Always Bounced Back From Downturns, And The Lows That We Have Experienced Over A Few Different Decades, Are Still Higher Than Some Of The Previous Highs!  But, It's Not Just About Money.  It's About You, And Getting What You Want.

If You Have Moving On Your Mind, With The Ridiculously Low Mortgage Rates Currently Available, Now Is A Really Good Time, And, With About 60,000 to 100,000 People A Year Moving Into The GTA, The Demand For Real Estate Will Always Be Good In The Long Run, So Real Estate Is Quite Probably The Very Best Investment That You Could Make.  With Government Incentives, Tax Benefits, And You Can Live In This Investment, A Home Is Definitely The Investment Vehicle Of Choice.  Tried Living In A Stock Certificate Yet?  How About Inviting Your Friends Over To Visit You In Your Bonds?