CENTURY 21 Millennium Inc., Brokerage*
- Unit 2, 1 Market Lane
Wasaga Beach, ON L9Z 0B6
Cathy Bradford is your Real Estate Source
As a CENTURY 21® Real Estate professional, I am dedicated to providing you with the highest quality service possible. My personal knowledge of the local Real Estate market is combined with the power of the CENTURY 21 brand - the most recognized name in Real Estate today.
Let me assist you in finding your dream home, in a neighbourhood that is right for you, and in the price range you want. Or if you are interested in selling a property, I also have the expertise to help you get the fastest sale possible and at the best price.
I look forward to the opportunity of working for you!
SEARCH MLS LISTING HERE
I specialize in:
In order to understand the needs of my clients and provide the best possible service I have great communication skills - especially listening skills.
Strong negotiation skills – As your REALTOR®, I will negotiate well and in a manner that is mutually acceptable to all parties involved. In order to be a good negotiator, I possess strong "people skills" and genuinely enjoy working and dealing with various types of people.
Knowledge – I am familiar with the Georgian Triangle Area including Tiny, Wasaga Beach, Collingwood, Clearview and Blue Mountain. I will be able to assist you in finding out local school information, town demographics and more.
Trustworthiness, diligence and helpfulness – As a buyers or seller, you can trust me implicitly and know that I have a passion for the business and will be helpful during the process and not intrusive.
Whether Buying or Selling – Quality service, represent your interests to the fullest.
I have been in Real Estate for about 25 years. Marketing Diploma - studied economics, statistics & business law. Worked in advertising, marketing & sales.
RRSP Home Buyers’ Plan (HBP)
The government of Canada’s Home Buyers’ Plan allows qualified buyers to withdraw a maximum of $25,000 tax free from their RRSP’s to purchase or build a house. If your spouse is also eligible, you can each withdraw up to $25,000 towards the downpayment, for a total of $50,000. No income tax is deducted from these funds, as long as they are repaid to the RRSP according to the government’s repayment schedule.
How the Plan Works: You may participate in the plan if you (or your spouse) have not owned a home which you occupied as your principal residence in the last five years.
Repayment Schedule - The money you withdraw from your RRSP must be repaid over a period of no more than 15 years to retain its tax deferred status. Your repayment period starts the second year following the year you made your withdrawls. If you pay less then your scheduled annual payments, the amount that you don’t repay must be reported as income on your tax return for that year.
For example, in October 2009 you withdraw $24,000 from your RRSP to finance the purchase of your home. Your first annual repayment of $1,600 ($24,000 divided by 15 years) is due by December 31, 2011.
Home Buyer Tax Credit
The Government of Canada offers a non-refundable tax credit to help first-time buyers with some of their closing costs. This Home Buyer Tax Credit (HBTC) will provide up to $750 in tax relief on the purchase of a first home. The HBTC is calculated by multiplying the lowest personal income tax rate for the year (15 per cent in 2009) by $5,000. For 2009, the credit will be $750.
To qualify for the HBTC, an individual must purchase a qualifying home and neither the homebuyer or the homebuyer’s spouse or common-law partner can have owned and lived in another home in the year of purchase or any of the four preceding years.
Born in Deep River, Ontario, grew up in Toronto and Mississauga. Moved here in 2002. Four children, four grandchildren, I got my license in 1973 at the age of 18 years. Out of the business for 13 years to raise my children. Enthusiastic, passionate, commitment to my clients.
Painting, quilting, photography, community service
Share Life, MS Society of Canada, GTREB Community Service
I'm a member of the Canadian Real Estate Association, Ontario Real Estate Association and the Georgian Triangle Real Estate Board. I'm continually upgrading my skills through continuing education and professional development, taking such courses as:
Stigmatized Properties and Mortgage Fraud & Identity Theft