CENTURY 21 B.J. Roth Realty Ltd., Brokerage*
- Unit 100, 300 Lakeshore Drive
Barrie, ON L4N 0B4
"For People on the Move"
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 have often heard it said, " I'm not looking to buy or sell, but I'm always looking. My objective is to be your REALTOR® before you need one. In today's complex Real Estate market I believe you need to be as knowledgeable as possible when deciding the single largest purchase that you will likely make this year.
for a free HIGHEST price evaluation of your home and property
I Don't Want To Just List Your Home ... I Want To SELL IT!
I Don't Want to Look at Houses ... I Want to Find You a Home!
DIRECT : 705-896-7895 - OFFICE 705-721-9111
Facebook: Graham J. Allary Realtor Century 21
Buying or Selling "I'll go the distance"
"Let My Sales Experience go to Work for You!"
"AT YOUR SERVICE"
Mortgage Rates Fall!!!!!!!!!!!!
BMO slashes 5-year mortgage rate to 2.99%
Finance Minister Joe Oliver says he will 'monitor the market closely'
The Bank of Montreal is slashing its five-year fixed-rate mortgage to levels that caused former finance minister Jim Flaherty to express concerns last year. The bank says it will offer a five-year rate of 2.99 per cent, down from 3.49 per cent.
BMO is the first big bank this year to lower its key five-year rate below the three per cent threshold. In March 2013, BMO dropped its mortgage rate below that level, causing Flaherty to publicly address the bank, saying that he disapproved of the rate and discouraged other big banks from following its lead.
At the time, he said he believed in "responsible lending," and that he was concerned such low rates would work against his attempts to slow the momentum in the housing market.
- The 2.99% 5-year fixed-rate mortgage is back
- Housing to get less affordable as mortgage rates rise, RBC warns
- Fears of a housing bubble in Canada 'overblown,' report says
Flaherty resigned from his role as finance minister in a surprise announcement last week. He was replaced by Joe Oliver.
"Our government has taken action in the past to reduce consumer indebtedness and the government's exposure to the housing market," Oliver said in an emailed statement. "I will continue to monitor the market closely."
But later in the day, Oliver said he isn't about to intervene, calling BMO's move a "private" decision.
"There's a market, the bank made its decision, the chief executive officer of the Bank of Montreal informed me about it, I listened to his explanation, his reasons, I reiterated ... that the government is gradually reducing its involvement in the mortgage market," Oliver told reporters.
BMO spokesman Paul Deegan in an emailed statement said: "This rate change is driven solely by the fact that bond yields have fallen, and we are in what has traditionally been the busiest season for buying a home."
Longer-term mortgage rates tend to follow bond yields and those yields have been falling recently. The Bank of Canada benchmark five-year bond yield, for instance, was at 1.69 per cent on Wednesday. Just three months ago, the yield was 1.96 per cent.
Other banks cut rates
Other Canadian banks have also recently cut their rates. Toronto-Dominion Bank reduced its four-year fixed-rate mortgage to 2.97 per cent earlier this month, while Scotiabank lowered its rates across the board while issuing a four-year special rate at 2.94 per cent.
The move by BMO puts it in line with rates from Meridian Credit Union, which lowered its five-year fixed-rate mortgage to 2.99 per cent in February. Meridian is the largest credit union in Ontario.
Some mortgage brokers are also advertising five-year fixed rates below three per cent from other lenders.
Some economists say the imminent heating up of the spring housing market is also a key factor driving rates lower.
"Financial institutions are responding because in the spring you always see a seasonal uptick in housing markets," TD senior vice-president Craig Alexander told CBC News Network today. "Heading into the spring, when we see seasonal improvement in housing activity, you always tend to get a bit more competition and it leads to some lower mortgage rates being offered."
Tips to improve your property in 2014
|What new trends in home design will debut in 2014?|
Home design trends tend to move slowly. Homeowners will see some of the trends that have been percolating over the past few years, but with new technologies and details that speak to them. You’ll see appliance-makers embracing the open concept kitchen by making their appliances more invisible. You’ll see designers taking the most popular countertop option out there, and making one better. You’ll see more elements of the home designed to be accessible across multiple generations. Read more...
|Give your kitchen a facelift in 2014 with these five kitchen design trends|
If you’re sick of the same stark kitchens and stainless steel scattered throughout, 2014 is the year to give the hub of your home some character. Following a period of the all-white kitchen crowned as king, this year’s kitchen trends come on strong with non-traditional lighting, black hardware and natural materials. Erin Feasby of Feasby & Bleeks Design in Toronto shares her five predictions for the hottest kitchen trends in 2014, with a focus on incorporating decorative touches to an already functional space. Read more...
BRADFORD GREEN HOUSE SHOW 2014
DAKOTA & I WOULD LIKE TO CONGRATULATE
NANCY CROSS OF THE MIDLAND AREA
WINNER OF THE 39" TV.
We will publish pictures in the next addition of the Barrie Advance.
Nancy said " I never win anything"
Born in Creemore Ontario to Albert J. and Beatrice W. Allary. Father was a member of the Royal 22e Van Doos with rank of Sergeant Major, Master Warrant Officer and mother was a WREN in the CDN Air Force. We were posted to Germany, Camp Valcartier PQ, The Citadel PQ and Base Bordon. We grew up on the family farm just west of Brentwood and went to school in Barrie attending Barrie Central Collegiate and Eastview SS.
I attended Georgian College in the Media and Communication course but found my self gravitating to a position in sales. I began my professional career with an industrial and food service company in Barrie and was soon awarded a territory that encompassed the area bounded by Wiarton, Owen Sound, Wasaga Beach, Midland, Peterborough, and the GTA. In the years that followed I was pleased to meet so many people that first became my clients and then my friends. I was on an accelerated career path and soon found myself promoted to "Sales Manager" and "Key Account Representative" for the company. It was a great position but I soon discovered that I missed the interaction with the customer base and set out on my own to become a Barrie entrepreneur.
My wife is Barrie through and through. Her father Dean Arbuthnot and mother Catherine were the owners of the first automated car wash in the city and it was located on Lakeshore Blvd. You entered straight off of Lakeshore into the wash where employees under the chain driven track washed and rinsed the cars.
Gone With The Wind - Tornado of 1985, May 31
It started out like any other day but it didn't end up that way. We had just purchased our new home in Allandale Heights and we were looking forward to the move from across town. The closing was to take place by 4 PM that afternoon and I had already picked up the keys and had arranged for family and friends to help with the relocation. We were doing our last inspection prior to the moving vans arriving when the hydro went out. Without hydro we decided to go back to the East end when the storm hit. We really didn't realize what had happened but news came that a Tornado had come down Bayview Drive. I was skeptical but returned to Allandale to find that I couldn't find the house. The Tornado had hit its mark and left only the front of the house and I considered us lucky when compared to the homes surrounding ours, they looked like they had been hit by a bomb.
The devastation was, to say the least, remarkable. The residents walked around their properties in complete silence, dumbfounded and in total disbelief. A Tornado in Barrie, impossible. These same families were my soon to be neighbours but their loss was so much greater than mine as our house was just brick and mortar while theirs were homes full of memories, now gone.
The people of Barrie responded and the clean up began.
What to do in the event of a Tornado.
Past President - Huronia Tourist Association
Past President - Georgian Lakeland Travel Association
Founder and Past President - Barrie Huronia Balloon Association
Are You an Air Miles Reward Collector?
Did you know that you can earn Air Miles®Reward Miles® when you Sell or Purchase a home through Century 21 B.J. Roth and myself? Contact me for the details on how to collect your Air Miles®Reward Miles® and start packing!
If you are not yet an Air Miles® Collector just click on the logo below to register. Be sure to present the number to me when we meet!!
What you should know when Selling or Buying.
Is there a difference between buying and selling on your own or using a realtor? Many find the reason to try it on their own is likely they believe it's less expensive. In the long run many find that the effort and work is more then even they bargained for.