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It comes down to tax savings, profit taking

Did you know, if you cannot beat them you have to join them?

retire_facebookTalking about investments.

If you in Rome, do like the Romans.

You make a deposit into your bank account, meaning in reality, the bank borrows from you. Your return from them is less than the inflation, so your money’s buying power is diminishing and fast. In the other hand, you borrow the very same money from them for three times the rate you are getting, so they are making huge profit, what they do not share with you, though it is your dough. What do you think who is smart here? Not you it is damn sure.

On the other hand, you can do like the Bank (not the Romans) Borrow personal line of credit, equity line of credit, pay 3-4% to the bank and lend it out into safe, capital protected mortgages, earn double digit return (10-16%) beating them at their own game. Also do not forget if you get a line of credit you only pay interest on the portion you use at any given time.

To make it more interesting, guess what. The line of credit interest you pay to the bank is TAX deductible. Now this is what I call a double whammy, besides I will call you a smart investor.

In case I have got your attention you just visit me on our website and if you like what you see call me to discuss, I will be glad to answer all your questions.

Almost forgot, these type of investments are RRSP eligible, with added TAX savings ( don’t you just like to cheat on the tax man legally) and you will be able to retire in time to enjoy your golden age with some money in your packet. It called in dignity.

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Advantages of Investing in Private Mortgages

Invest for high return a protected capital

Invest for high return a protected capital

The most secure and durable investments are in real estate property. Though real estate prices fluctuate from time to time, over the long-term, real estate property appreciates in value. The security for a mortgage is the real estate property itself, making mortgages a good place to invest.

Investing in private mortgages provides a regular income stream, tangible security and a real return to the investor that is superior to bank deposits, GICs and bonds. They are an eligible RRSP investment that is tax sheltered, and you can invest the interest over and over again.

Advantages of investing in private mortgages:

No Cost to You – The borrower is required to pay the costs to have the mortgage registered against title to their property. The investor simply sits back and goes about cashing the monthly payment without incurring any further cost.

Monthly Income – A mortgage will generate cash each and every month. The amount of the monthly payment will depend on the size of the mortgage, the interest rate and amortization period.

Protected Capital – There is low risk associated with mortgage investments; they are secured by the real estate property if the borrower is unable to make payments.

An RRSP mortgage gives a minimum of 10% yield rate of return that is secured by a first or second mortgage on a property in Canada. At a rate of 10%, your RRSP portfolio should double in value every 7 years.

Private mortgages can be a great investment, as there is security with the equity on real property and the property can be used to help pay off the mortgage if the borrower reneges. The lender is fully covered by the legal documents signed at the time of the mortgage, ensuring that the investment, as well as a profit, is collected.

Keep up with the latest news on buying and selling mortgages by subscribing to the Buying and Selling Mortgages blog.

Watch our video of the opportunity and the process, you will be glad you did.

Biggest flood made Calgary Real Estate boom. Time to panic?

Record floods are driving up demand for homes on all levels, million dollar homes as well as started dwellings. The amount of activities are indicating a buying frenzy, no doubt about it. Not only first time home buyers, but

 people effected by the floods are looking to buy. High end neighborhoods along the Elbow River were among the areas hardest hit by the flooding, forcing some homeowners, whose properties will take at least several months to repair, to purchase homes elsewhere in the meantime.

Multi million dollar homes that would ordinarily take a year to sell are being snapped up for about 10 per cent more than they normally would within a matter of weeks; reported by realtors. That’s had a ripple effect throughout the city, as buyers have been forced to look further afield to find properties in their price range. This way buyers are bumped down creating a shortage in lower and higher priced properties as well.

Although the values of homes in flood-hit areas will likely drop we can expect prices across the city to rise and stay high for the foreseeable future.

July is usually a quiet month in real estate, except this year. Calgarians who would ordinarily be looking to rent are being pushed into buying. The rental market is a huge concern. Vacancy rate was already quite tight to begin with and now it’s literally non-existent. People have been panicking. I definitely think it’s spurred people on to make a decision quicker. Mortgage rates are still on the low side, however they are climbing. This will make first time buyers little nervous and start looking. People are eager to buy property not necessarily because they’ve been directly displaced by the flooding themselves, but because they foresee a tighter market ahead generally.

Will home values in flooded areas drop may depend on whether the city builds berms or dikes to keep the water out next time the rivers spill their banks. Lot of those locations when they have done this type of work, valuation has fully recovered.

Housing market was tight before the floods for renters and buyers. Many buyers now will look in bedroom communities in a hope to get a price break, however most likely they will be disappointed.
Some renters are going to consider ownership. Otherwise, they’re going to consider what’s available to rent outside of the town.
In preparation for the price fluctuations and interest rate 
increases, one must get a mortgage pre-approval in order to get a rate hold for as long as 120 days. To keep informed follow us on Facebook and get a FREE nobligation consultation to explore your options.

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Values up, risk down, time to invest

As a Private Mortgage Lender you understand, how important it is to be at a low LTV. In today soaring Alberta home values, todays 85%LTV will become real fast a 75% LTV tomorrow, mitigating your exposure lower. Visit us and sign up to receive lending opportunities from us.
your futureCalgary’s resale housing market started off 2013 with a bang, with a 15 percent increase in sales over January 2012 results, and in fact its best January for sales since 2008!

The Calgary Real Estate Board® (CREB®) reports a total of 1,230 sales for January 2013, a significant increase over the 1,068 sales reported in January 2012. Single-family homes accounted for 879 of January 2013 sales – an increase of 15 percent over January 2012 single-family home sales. New listings for single-family homes remained just above levels recorded at the same time in 2012 for a total of 1,737, although listings for other home types dropped, to result in a slight overall decline in total new listings for January.

“While activity is typically slower in the winter months, recent improvements in single-family new listings helped support improved sales in that market,” explained CREB® President Becky Walters. “Overall indicators put the market in balanced conditions.”

If you’re thinking about listing your home, it’s a great time to do so as inventory levels are still low. CREB® notes that a lower level of inventory can pose a challenge to buyers, as they feel the need to make their buying decisions quicker than buyers have done over the past four years.

Whether you’re thinking of buying, selling or “just looking”, you’ll want the most up-to-date market information available. Please call today for the latest updates in your area!

By: Richard Conover of Real Estate Professionals www.calgarycondos.org

Armchair investments with double digit return

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Secured First and or Second Mortgage Investments

  1. no Cost to Investors, all cost is paid by borrower
  2. own investment capital and or through Your Self-Directed RRSP
  3. protected Capital by prime real estate
  4. returns of an average 16% annual depending on risk, equity, location, etc
  5. securing monthly income
  6. $10,000.00 Minimum Investment
  7. one year interest only terms, renewable at lender’s discretion
  8. we provide you with the Mortgage Opportunity, you choose the mortgage investment and your lawyer prepares the documents
  9. we also provide you with a comprehensive investment package for your consideration, including an application form, Credit Bureau report appraisal, summary sheet and other pertinent information
  10. you make your own due diligence and decision to fund and or turn a request down
  11. huge TAX ADVANTAGES when you invest through your RRSP Plan call to find out

This is not solicitation to invest your capital into a pool. All mortgages offered to individual private investors to fund individual private mortgages. MortgagePRO Ltd. will be your intermediary and act as a brokerage unless otherwise advised.

Your investment, your money, your decision. We will keep you well-informed to enable you to make the right decision each time.

Investors log in to our website for more information about this opportunity.

How hot is the Alberta Real Estate Market; time to invest, yet again…

CALGARY — Alberta will lead the country this year and in 2013 in the pace of  growth in the resale housing market, according to a new forecast by the Canadian  Real Estate Association.

The national association of realtors said Monday that Alberta MLS sales this  year will finish up 13.1 per cent from last year to 60,800 transactions and  sales will lead the country next year as well with 1.3 per cent growth to  61,600.

Need  mortgage, need a PRO: MortgagePRO

The Real Estate Investment Network in Canada is “hot” on Calgary’s potential  and has ranked it the top investment city in Canada for 2013 to 2016, said  Melanie Reuter, director of research for the organization.

“This ranking came as a result of extensive research into the underlying  economic fundamentals driving Calgary’s economy as well as the current housing  market’s response to these fundamentals,” she said. “The job market is strong  and is poised to lead the country in job and population growth. Immigration from  other parts of Canada as well as abroad is putting a steep downward pressure on  vacancy rates and a strong upward movement on rents. This pressure is not  predicted to ease significantly in the coming years.

“The high average-weekly-earnings in the city mean more disposable income in  this PST-free province, which is creating a country leading consumer confidence  level. This is creating further stimulation of the economy through consumer  spending, which in turn brings increased employers, people, and demand for  housing.”

On Monday, CREA said the average sale price in Alberta is expected to rise by  2.7 per cent this year to $363,100 and by another 2.3 per cent in 2013 to  $371,300.

In November, Calgary MLS sales of 1,831 were up 10.6 per cent compared with  last year while on the national level sales dipped by 11.9 per cent to  30,573.

The average sale price in Calgary rose by 3.8 per cent to $413,921 but fell  by 0.8 per cent across the country to $356,687.

In Alberta, sales increased by 3.2 per cent to 4,034 transactions and the  average price was up 4.3 per cent to $365,999.

“National sales activity has remained fairly steady at lower levels since  mortgage rules were changed earlier this year, but that stability masks some  real differences in trends among local housing markets,” said Wayne Moen, CREA’s  president.

CREA on Monday also released its MLS Home Price Index of seven major Canadian  markets. Regina’s annual price growth of 11.58 per cent led the nation followed  by Calgary at 7.13 per cent.

Investors alert: with 10% downpayment you can buy as many income properties as many you want. Find out how we get you low interest mortgages to invest.

Read more:  http://www.calgaryherald.com/homes/Alberta+resale+housing+market+tops+Canada+annual+sales+growth/7708791/story.html#ixzz2FXVX1zpi

You money, your decision, your investment: you are in control

Secured First and or Second Mortgage Investments

  1. no Cost to Investors, all cost is paid by borrower
  2. own investment capital and or through Your Self-Directed RRSP
  3. protected Capital by prime real estatemortgage investments
  4. returns of an average 16% annual depending on risk, equity, location, etc
  5. securing monthly income
  6. $10,000.00 Minimum Investment
  7. one year interest only terms, renewable at lender’s discretion
  8. we provide you with the Mortgage Opportunity, you choose the mortgage investment and your lawyer prepares the documents
  9. we also provide you with a comprehensive investment package for your consideration, including an application form, Credit Bureau report appraisal, summary sheet and other pertinent information
  10. you make your own due diligence and decision to fund and or turn a request down
  11. huge TAX ADVANTAGES when you invest through your RRSP Plan call to find out

This is not solicitation to invest your capital into a pool. All mortgages offered to individual private investors to fund individual private mortgages. MortgagePRO Ltd. will be your intermediary and act as a brokerage unless otherwise advised.

Your investment, your money, your decision. We will keep you well-informed to enable you to make the right decision each time.

Investors log in to our website for more information about this opportunity.