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 can help you find the right home for you and your family, arrange financing, get the lowest mortgage rate and even help you settle in, in a timely fashion.Ensuring that your real estate purchase or sale is a hassle-free experience is my ultimate goal.
I look forward to the opportunity of working for you!
Land Transfer Tax (LTT) Rebate
First-time buyers of newly constructed homes and resale homes may receive a refund of land transfer tax up to a maximum of $2,000.
Only individuals who are at least 18 years of age, have not owned an interest in a home anywhere in the world and whose spouse has not owned an interest in a home anywhere in the world while he or she was a spouse of the individual quality as first time buyers.
The purchaser must occupy the home as his or her principal residence no later than nine months after the date the property is transferred to his or her possession.
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.
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.
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 Greater Toronto Area including Brampton, Mississauga, Georgetown and Milton. I will be able to assist you in finding out local school information, city 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.
As a REALTOR®, I have a vast amount of real estate knowledge and the experience required to stay cool, even in a hot real estate market. If you work with me, you can expect strict adherence to provincial law as well as to a code of ethics ensuring you'll receive the highest level of service, honesty and integrity.
If you are buying a home, I can help you determine how much house you can afford, offer advice on choosing the right neighbourhood and ensure your interests are best served during negotiations.
If you are selling a home, I will help you determine a fair and accurate asking price for your home, develop a marketing plan, offer advice to help make your home more "saleable," screen potential buyers, show your home and, of course, negotiate on your behalf.
REALTORS® in Ontario must complete a rigorous learning program required for registration under the Real Estate and Business Brokers Act. These licensing education courses are offered by the Ontario Real Estate Association (OREA) on behalf of the Real Estate Council of Ontario (RECO),which administers the Act.
I’m proud to be involved in the CENTURY 21 Millennium Inc. ‘Caring for Kids' program. Each year we liaison with local schools so we can provide a magical Christmas for needy children and their families. In 2008 we were able to help 15 families and 48 precious children.
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