Jackie Carew

Jackie Carew

CENTURY 21 Energy Realty
  • 250-793-8798
  • 250-793-8798
  • 877-575-2121
  • 250-787-2100
  • 250-785-2551
Contact Me
Ask me how to earn AIR MILES® reward miles when you buy or sell a home through me.

CAREW HOSKER TEAM - REPUTATION, RELIABILITY - Providing First Class Service to the Ft St. John Area!

September 2016

By Roxana Baiceanu

Not a day goes by without a new piece of news popping up about the real estate market in Canada. As we’ve been watching home prices hitting record after record in most metropolises across Canada, most of us have probably been asking ourselves where all this is going and how the changes are impacting home buyers and real estate professionals alike. Are Canadians accustomed to the idea that they need to dig deeper into their pockets in order to buy a home – and what kind of homes are they now looking for?

To find the answer to these questions, we analyzed three months’ worth of home buying search behavior on Point2 Homes Canada. This translates into a whopping six million browsing sessions, which we believe are more than enough to build a profile of the Canadian home buyer.

Here are our key findings, at a glance:

  • Nationwide, online home browsing is predominantly done by women (60 per cent of home buyers searching on Point2 Homes are women).
  • Among age groups, millennials are the lead segment in most cities, followed by Generation Y.
  • The most popular home price segment is between $300,000 and $400,000, which is way below the national home price average of just over $500,000.
  • There seems to be a striking discrepancy between market reality and search preferences in certain cities across Canada. The biggest surprise came from Toronto, where home buyers on Point2 Homes were looking for homes priced up to $400,000 when the average price there is $750,000. In Vancouver we also found a huge discrepancy between the most popular search – homes up to $750,000 – and the average price of $1,055,000.
  • When it comes to space, there’s a very strong preference for large homes (three and four+ bedrooms); less than a quarter of home seekers were looking for homes with less than three bedrooms.
  • Regional differences are quite common: for example, in Alberta four out of 10 people are interested in four+ bedroom homes. At the other end of the spectrum stands Nova Scotia, where only two in 10 people are searching in this segment.

Although from province to province home buyers’ searches by price differ, one thing is obvious: the biggest percentage of home seekers (25 per cent) are interested in homes that cost between $300,000 and $400,000, which is significantly below the national average of just over $500,000. If you think, okay, then people are ready to downsize … well, think again. Nationwide, almost half of the searches (46 per cent) targeted homes that have at least three bedrooms, while 31 per cent are looking for even larger properties (four+ bedrooms).

For the full results of our survey: The Profile of the Canadian Home Buyer




Sept 2016

Mortgage Rate Forecast

The Canadian five-year qualifying mortgage rate briefly moved higher in the third quarter, rising by ten basis points to 4.74 per cent before swiftly falling back to its historical low of 4.64 per cent. There are currently two primary sources of upward pressure on mortgage rates in the near term. The most immediate remains the stance of US monetary policy. The US Federal Reserve remains determined to raise its overnight rate this year, possibly as soon as its next meeting in September.  While the Fed’s last rate increase had little impact on Canadian rates, the market may see a second tightening as a true shift in the Fed’s view toward future tightening.  In addition to pressure from potentially higher US rates, Canadian bank regulators have proposed stricter capital requirements to shift the burden of housing market risk away from taxpayers and onto financial institutions.  That could in turn mean higher funding costs for banks and credit unions, which could be passed through to mortgage rates. Overall, given those upward pressures, we anticipate that mortgage rates will rise from their current lows with the five-year qualifying rate reaching 5 per cent by the end of next year.



July 4, 2016


Realtors in Toronto and Vancouver are pitching Canadian cities as relatively safe property havens now that London, for years one of the world’s leading targets of foreign capital, suddenly looks a lot riskier. Blame it on Brexit.

“Brexit’s good for us, not for them,” said Anita Springate-Renaud, owner of Engel & Völkers’ brokerage in Toronto, who expects to field calls from clients seeking to redirect their investments. “We are a safe bet.”

If Springate-Renaud is right, there may be heightened demand from moneyed clients for homes and condos as well as office towers in two of Canada’s  hottest real estate markets, which already have seen prices soar from an influx of foreign money. There’s a record $443 billion in global capital allocated to commercial property that wealthy investors haven’t deployed, according to figures from Cushman & Wakefield Inc.

Within hours of the stunning Brexit outcome, Brian Kriter, an executive managing director of valuation and advisory at Cushman & Wakefield, was on a 6:30 a.m. call from his home in Toronto to discuss the potential ramifications of the referendum with colleagues in London and New York.

Gadfly:  Please Check Your Safe Havens at the Door, Brexiters

In the days since, Kriter has met with one Asian commercial real estate lender who decided to freeze plans for a multimillion-dollar financing deal in London and is considering channeling that money to North America instead. Cushman & Wakefield is organizing a client day in July, potentially in New York, to discuss the early implications of Brexit’s fallout.

“You have this phenomenal amount of capital that’s looking to be placed in commercial real estate, and it’s very fluid,” Kriter said. “Foreign investors view Canada as an island of certainty.”

In the last decade, central London saw the biggest increase in residential property prices of any major city as the favored destination for global capital seeking a stable sanctuary. Nearly three out of every four newly built homes in 2013 were bought by foreign buyers, half of them from Asia, according to Knight Frank LLP. Similarly on the commercial side, 70 percent of central London purchases were by foreigners in 2015.




US Federal Reserve Interest Rate Announcement - January 27, 2016

On the heels of the first rate increase in 8 years, the US Federal Reserve's Open Market Committee (the Fed) opted to leave its target overnight rate unchanged at a range of 0.25 to 0.50 per cent.   In the statement accompanying the Fed's decision, it was noted that with gradual adjustments to the stance of monetary policy, economic activity will continue to expand at a moderate pace and labour market indicators will continue to strengthen. The Fed expects that inflation will remain low in the near term, but slowly rise to 2 per cent over the medium term as the impact of low energy prices fades.

While early speculation was that the Fed would raise rates at least four times this year, a slowdown in the economy to end 2015 along with still tame inflation and volatility in financial markets will likely put monetary policymakers on a much more cautious footing.  We expect that the Fed will raise rates a maximum of one more time in 2016 which should translate to very little upward pressure on Canadian bond yields and mortgage rates. 

For more information, please contact: 

Cameron Muir Brendon Ogmundson
Chief Economist Economist
Direct: 604.742.2780 Direct: 604.742.2796
Mobile: 778.229.1884 Mobile: 604.505.6793
Email: cmuir@bcrea.bc.ca Email: bogmundson@bcrea.bc.ca

The British Columbia Real Estate Association (BCREA) is the professional association for more than 18,500 REALTORS® in BC, focusing on provincial issues that impact real estate. Working with the province’s 11 real estate boards, BCREA provides continuing professional education, advocacy, economic research and standard forms to help REALTORS® provide value for their clients.

Real estate boards, real estate associations and REALTORS® may reprint this content, provided that credit is given to BCREA by including the following statement: “Copyright British Columbia Real Estate Association. Reprinted with permission.” BCREA makes no guarantees as to the accuracy or completeness of this information.

To change your email address, subscribe to more BCREA publications or unsubscribe from this distribution list, click here.


Share this mailing with your social network by clicking on the appropriate link:

Facebook   Twitter   LinkedIn  



BC Home Sales Start 2015 in Positive Territory


Vancouver, BC – February 13, 2015. The British Columbia Real Estate Association (BCREA) reports that a total of 4,377 residential unit sales were recorded by the Multiple Listing Service® (MLS®) in January, up 3.1 per cent from the same month last year. Total sales dollar volume was $2.6 billion, an increase of 8.3 per cent compared to a year ago. The average MLS® residential price in the province rose to $593,155, up 5.0 per cent from the same month last year.

“Last month was the strongest January for BC home sales in five years,” said Cameron Muir, BCREA Chief Economist. “However, consumer demand did edge down from December on a seasonally adjusted basis."


Low mortgage interest rates, strong population growth and improving labour market conditions are underpinning housing demand in the province. However, weakening economic conditions in Alberta are limiting home sales in the Okanagan, Kootenay and BC Northern market areas.


MLS® residential sales in British Columbia are forecast to rise 2.4 per cent to 86,050 units this year and a further 3.9 per cent to 89,400 units in 2016. The ten-year average is 82,100 unit sales. A record 106,300 MLS® residential sales were recorded in 2005.  

BC Real Estate Association


A major Canadian bank has lowered its five-year fixed mortgage rate – and others are expected to follow suit – but some agents believe that won’t have much of an impact on how the housing market performs in 2015.

“I don’t believe a quarter-point will make a significant difference,” says Justin Kua, a real estate agent in Toronto. “First-timer buyers are already expecting low rates. It’s just giving people a little more confidence in being able to take on a mortgage.”

Over the weekend, the Royal Bank of Canada dropped its five-year fixed rate mortgage to just 2.84 per cent. No other banks have jumped on the rate dropping trend, but Kua says they likely will soon enough.


Housing Demand Forecast to Rise Through 2015


CMHC announces two changes in Mortgage Insurance effective in May, 2014.  Contact Jackie for more information - jackie.carew@century21.ca  or call (250) 793-8798

New Signature Pointe Condos for Sale - 2 bedroom homes starting from $259,000.  High quality finishings!  Contact Jackie or Ritch for more information - 250-793-8798 or email jackie.carew@century21.ca.

 Attention First-Home Buyers:

The B.C. Government has announced, effective Feb 19, 2014, qualifying first-time buyers can now buy a home worth up to $475,000 under Property Transfer Tax (PTT) First-Time Home Buyers' Exemption program.  The previous threshold was $425,000.  The parital exemption also continues, and will apply to homes valued between $475,000 and $500,000.

 Co-signer versus Guarantor

A co-signer is basically a co-owner.  He/she is registered on the title and is equally accountable for payments.

A guarantor, on the other hand, personally guarantees payments will be made if the original applicant defaults, but he has no claim to the property because he is not on title.



- Industry leading online marketing strategy

- Effective customer relationship software

- Live interactive training sessions

As a Century 21 agent, I belong to a strong, vibrant and global real estate family.  I strive everyday to deliver unsurpassed market intelligence and insights.  C21 network of over 143,000 agents in over 8,000 offices worldwide is your edge.  The Century 21 standards inspire me to a higher level of performance.

I am your "Local Expert"

My Philosophy

"Customer relationships are the heart of what I do.  If you don't feel that I have built a strong relationship with you by the time we have sold your home, then I have not done my job."

It's not just about Real Estate, it is about Real People

My Mission Statement

"I strive to make the sale of your home and all of the associated activities free of stress, easy to understand and at times, even fun.  My goal is to exceed your expectations and provide you with exceptional service throughout our relationship." Every time I deal with a buyer or seller, I am building my reputation.  And if I have done a good job, hopefully you will refer me to your friends and your family.  

My Commitment To You - I will get you the best price on a home that is perfectly suited to YOUR needs and lifestyle.


Choosing a real estate agent who has the tools, skills and experience to make your dreams come true, can be challenging.  Let me assist in making it a simple and stress free experience for you. 

DID YOU KNOW... Good communication and listening skills are the cornerstone to any successful relationship.  You can count on me to listen to your concerns & questions and provide you with the information you need and in a manner that suits you best.


I take pride in offering quality service to my clients.  Whether you are buying or selling, my loyalty, honesty & integrity will hold in high standard throughout this process.  You can expect strick adherence to provincial laws and also allegiance to a Code of Ethics, which is very important to you because it assures you that you will receive the highest quality of care

I understand that your home is your most valuable possession, and I take this responsibility seriously.  I will help you get the most for your home and remove confusion from this process.  I also realize that you do not know the "ins" and "outs" of the buying process.  I will provide you a detailed explaination of what to expect so your are fully informed throughout this complex decision-making process.



Residential Properties

First-time Home Buyers

Rural Properties

Commercial Properties


Real Estate Trading Services Licensing Certificate - Real Estate Council of BC - UBC, Vancouver, BC

Residential Trading Service Applied Practice Course - Northern Real Estate Board, Pr.George, BC



Jackie's Valuable Sites


MLS Site

City of Fort St. John


http://school district 60









Community Involvement

- Member of the Church Parish Council. 

- Member of the Catholic Women's League

- Served as a Director on the Hospital Foundation Board and the Hospital Social Club Committee. 

- Member of the North Peace Community Choir and the Church of the Resurrection Choir.

- Involved with Stage North - participated in performances such as "Jesus Christ Superstar" & "Cinderella". 

- Member of Lakepoint Golf and Country Club

- Luxury Consultant for Canadian Designer Company.

- Involved with Tai Chi group in area


Personal Background

I have lived in the Peace Region for over 30 years.  I am married to Ritch Hosker, my real estate partner, who is also counselor, coach & a stellar athlete.  We are both very passionate about real estate in the Peace River Region.  I have one daughter Lesley, who graduated from the FSJ educational system and moved to the lower mainland to pursue her career in real estate and design.   


Personal Interests

I am an avid golfer and a member of Lakepoint Golf and Country Club.  I also enjoy the FSJ Links course as well.  I am very passionate about singing and participate in several local choirs.  I enjoy many different sports such as curling, racketball, skating, jogging, cycling, tennis, swimmig, kayaaking.  I also enjoy oil painting, photography and gardening.  I treasure my two dogs (Chico & Kaya) and enjoy our many walks together on the local trails.   I love to travel and experience different cultures. I have many wonderful friends in all parts of the world.  I promote products for a new Canadian Designer Company.  Please visit my online store www.globalwealthtrade.com/carew




Attention FIrst Home Buyers!

Read More

Property List

10411 113 Ave, Fort St. John, BC V1J 6C5
Beds: 4 / Baths: 4
Living Area: 2,693
10216 102 Ave #104, Fort St. John - City NW, BC V1J 2E5
Beds: 1 / Baths: 1
Living Area: 555
10116 110 Ave, Fort St. John, BC V1J 2T2
Beds: 5 / Baths: 2
Living Area: 1,824
11203 - 105 Avenue 311, Fort St. John, BC V1J 2L4
Beds: 2 / Baths: 2
Living Area: 1,066
9832 E Birch Avenue, Taylor, BC V0C 2K0
Beds: 4 / Baths: 3
Living Area:
5912 230 Road Gagne Road, South Taylor Hill, Taylor, BC V0C 2K0
Beds: 2 / Baths: 1
Living Area: 1,011
13155 Lakeshore Drive, Charlie Lake, BC V0C 1H0
Beds: 6 / Baths: 6
Living Area: 5,600
12662 Rainbow Ave, Charlie Lake, BC V0C 1H0
Beds: 3 / Baths: 2
Living Area:
12662 Rainbow Ave, Charlie Lake, BC V0C 1H0
Beds: 3 / Baths: 2
Living Area: 1,448
15298 265 Road, Fort St. John, BC V0C 1Y2
Beds: 4 / Baths: 2
Living Area: 2,512
9917-114 Avenue, Fort St. John, BC V1J 4R8
Beds: 4 / Baths: 3
Living Area: 2,304
5561 Farrell Creek Road, Hudson's Hope, BC V0C 1V0
Beds: 5 / Baths: 3
Living Area: 1,608
10044-108 Avenue, Fort St. John, BC V1J 6N7
Beds: 2 / Baths: 3
Living Area: 2,376