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We have sold a property at 5420 HIGHROAD CRES in Chilliwack

We have sold a property at 5420 HIGHROAD CRES in Chilliwack. See details here

Welcome to this 5 bedroom, 3 bath home nestled in a family-friendly neighborhood with beautiful mountain views. The spacious layout boasts a formal living room with large windows to create a bright and airy feel, crown moldings, gas fireplace, dining room, nice size kitchen, with a cozy family room and access to your beautiful backyard. The upstairs has 4 Bedrooms (or 3 bedrooms & games room) including a spacious Primary Bedroom with a 5 piece ensuite, soaker jetted tub, double sinks, and walk-in-closet. Enjoy the large private yard with mature landscaping, detached shed, double garage, and additional RV parking, perfect for all your toys. Bonus: enjoy the A/C in the summertime and walk to your favorite trails. Close to Promontory Elementary School, Amenities, and easy access to Hwy 1. *Living Room pictures have been virtually staged. * OPEN HOUSE SAT., MAY 18TH & SUN., MAY 19 @ 2PM-4PM

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We have sold a property at 208 19236 FORD RD in Pitt Meadows

We have sold a property at 208 19236 FORD RD in Pitt Meadows. See details here

Welcome to Emerald Park! This stunning 1262 sq ft, 2 bedroom, 2 bathroom PLUS DEN condo offers a perfect blend of comfort, style, and convenience. Meticulously renovated in 2019 with quality materials this unit features quartz countertops and stainless steel appliances in the kitchen, large windows with an open floor plan allow plenty of natural light in. The Primary Bedroom includes a 4 piece ensuite and large WIC. Enjoy your morning coffee on the patio overlooking the private yard. Emerald Park is within walking distance of Pitt Meadows Elementary, conveniently located steps away from the library and many of Pitt Meadow's sought-after attractions, local restaurants, and the West Coast Express. *Virtually staged by Pixlworks*

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We have sold a property at 904 11910 80 AVE in Delta

We have sold a property at 904 11910 80 AVE in Delta. See details here

WELCOME TO THE CHANCELLOR! This beautiful South-West facing Corner unit in one of Delta's only concrete towers features a 1 Bedroom/1 Bathroom suite with spectacular views of Mt. Baker. This unit has been completely updated including the kitchen and BRAND NEW appliance package, $5000 custom blinds, and laminate flooring throughout. Pride of ownership shows in this well maintained and lovingly cared for home. The enclosed solarium is the perfect place to relax and enjoy your morning coffee, the cool evening breeze, or watch the beautiful sunsets. The amenities included in this complex are a beautiful garden area with a fountain on top of the Parkade, a recreation room as well as an indoor swimming pool!

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Open House. Open House on Saturday, May 25, 2024 1:00PM - 3:00PM
Hosted by Paige Hurtubise of Royal Lepage Wolstencroft

Please visit our Open House at 119 2551 PARKVIEW LANE in Port Coquitlam. See details here

Open House on Saturday, May 25, 2024 1:00PM - 3:00PM Hosted by Paige Hurtubise of Royal Lepage Wolstencroft

Welcome FIRST TIME BUYERS, INVESTORS OR DOWNSIZERS to this BEAUTIFUL ground floor LARGE one-bedroom unit! Step into spacious living with the open concept design highlighted by the kitchen that seamlessly connects to the formal dining area. Enjoy the modern touch of newer wide plank laminate flooring, FRESH PAINT and upgraded bathroom fixtures. This unit boasts convenience with NEW WSHAER/DRYER and stainless-steel appliances. The GENEROUS master suite features a cheater door to the main bathroom. Step outside to the southern exposed covered patio for outdoor enjoyment. Amenities include exercise room, sauna, hobby room and party room. Close to the mall, Sky train station, cafés, restaurants, and Westwood Elementary. Don't miss out on this inviting home offering both comfort and style!

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Open House. Open House on Saturday, May 18, 2024 2:00PM - 4:00PM
Hosted by Paige Hurtubise of Royal LePage Wolstencroft

Please visit our Open House at 5420 HIGHROAD CRES in Chilliwack. See details here

Open House on Saturday, May 18, 2024 2:00PM - 4:00PM Hosted by Paige Hurtubise of Royal LePage Wolstencroft

Welcome to this 5 bedroom, 3 bath home nestled in a family-friendly neighborhood with beautiful mountain views. The spacious layout boasts a formal living room with large windows to create a bright and airy feel, crown moldings, gas fireplace, dining room, nice size kitchen, with a cozy family room and access to your beautiful backyard. The upstairs has 4 Bedrooms (or 3 bedrooms & games room) including a spacious Primary Bedroom with a 5 piece ensuite, soaker jetted tub, double sinks, and walk-in-closet. Enjoy the large private yard with mature landscaping, detached shed, double garage, and additional RV parking, perfect for all your toys. Bonus: enjoy the A/C in the summertime and walk to your favorite trails. Close to Promontory Elementary School, Amenities, and easy access to Hwy 1. *Living Room pictures have been virtually staged. * OPEN HOUSE SAT., MAY 18TH & SUN., MAY 19 @ 2PM-4PM

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Open House. Open House on Sunday, May 19, 2024 2:00PM - 4:00PM
Hosted by Paige Hurtubise of Royal LePage Wolstencroft

Please visit our Open House at 5420 HIGHROAD CRES in Chilliwack. See details here

Open House on Sunday, May 19, 2024 2:00PM - 4:00PM Hosted by Paige Hurtubise of Royal LePage Wolstencroft

Welcome to this 5 bedroom, 3 bath home nestled in a family-friendly neighborhood with beautiful mountain views. The spacious layout boasts a formal living room with large windows to create a bright and airy feel, crown moldings, gas fireplace, dining room, nice size kitchen, with a cozy family room and access to your beautiful backyard. The upstairs has 4 Bedrooms (or 3 bedrooms & games room) including a spacious Primary Bedroom with a 5 piece ensuite, soaker jetted tub, double sinks, and walk-in-closet. Enjoy the large private yard with mature landscaping, detached shed, double garage, and additional RV parking, perfect for all your toys. Bonus: enjoy the A/C in the summertime and walk to your favorite trails. Close to Promontory Elementary School, Amenities, and easy access to Hwy 1. *Living Room pictures have been virtually staged. * OPEN HOUSE SAT., MAY 18TH & SUN., MAY 19 @ 2PM-4PM

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We have sold a property at 110 15137 33 AVE in Surrey

We have sold a property at 110 15137 33 AVE in Surrey. See details here

WELCOME TO Prescott Commons by Polygon, contemporary East Coast Style living in South Surrey's Harvard Gardens. This bright freshly painted 823 sq. ft. ground floor West-facing 2-bed, 2-bath home boasts 9ft ceilings, engineered stone countertops, spa-inspired showers, laminate flooring, and stainless steel appliances, including a gas range. The separate street entrance with a large private patio & deck gives this condo the feel of a townhome. BONUS: 2 parking stalls and 1 storage locker included. Residents can enjoy 9000 sq. ft. resort-style amenities at the Rowing Club, including a fitness facility, outdoor pool, hot tub, clubhouse, gymnasium, basketball court, and movie room. Close to White Rock/Crescent Beach, walking distance to shops, restaurants, and access to Hwy 99. **Virtually staged by Pixlworks**

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Open House. Open House on Saturday, May 11, 2024 12:00PM - 2:00PM
Hosted by Jennifer Clancey Royal LePage Wolstencroft

Please visit our Open House at 50 46213 HAK'WELES RD in Chilliwack. See details here

Open House on Saturday, May 11, 2024 12:00PM - 2:00PM Hosted by Jennifer Clancey Royal LePage Wolstencroft

This upgraded 3,525 sq. ft. rancher with basement features 3 bedrooms, nestled in a private, western location on a 5,888 sq. ft. fenced lot. Main floor boasts high-end flooring, trayed great rm ceilings with crown mouldings, chef's kitchen w/quartz counters, smudge-proof SS appliances, gas range, custom backsplash,& WI pantry. The primary bedroom includes a spa-inspired 5 piece ensuite w/soaker tub. The fully finished basement offers a spacious rec rm, wet bar, added sound insulation, guest bedroom, full bathroom, gym area, & generous storage. Enjoy outdoor living with the covered deck & power shades on the back patio. This fully-loaded home features A/C, built-in speakers, & triple garage with EV setup. Additional perks incl sauna, leaf guard gutters, inground sprinklers & permanent exterior lighting.

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Open House. Open House on Saturday, May 11, 2024 2:00PM - 4:00PM
Hosted by Paige Hurtubise - Royal LePage Wolstencroft

Please visit our Open House at 5420 HIGHROAD CRES in Chilliwack. See details here

Open House on Saturday, May 11, 2024 2:00PM - 4:00PM Hosted by Paige Hurtubise - Royal LePage Wolstencroft

Welcome to this 5 bedroom, 3 bath home nestled in a family-friendly neighborhood with beautiful mountain views. The spacious layout boasts a formal living room with large windows to create a bright and airy feel, crown moldings, gas fireplace, dining room, nice size kitchen, with a cozy family room and access to your beautiful backyard. The upstairs has 4 Bedrooms (or 3 bedrooms & games room) including a spacious Primary Bedroom with a 5 piece ensuite, soaker jetted tub, double sinks, and walk-in-closet. Enjoy the large private yard with mature landscaping, detached shed, double garage, and additional RV parking, perfect for all your toys. Bonus: enjoy the A/C in the summertime and walk to your favorite trails. Close to Promontory Elementary School, Amenities, and easy access to Hwy 1. *Living Room pictures have been virtually staged *

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We have sold a property at 27 46778 HUDSON RD in Chilliwack

We have sold a property at 27 46778 HUDSON RD in Chilliwack. See details here

Welcome to COBBLESTONE TERRACE! This luxurious 1,981 sq ft townhome features 5 bdrms, 3 baths w/updated flooring throughout. The gourmet kitchen includes granite counters, SS appliances, maple shaker cabinets, beautifully tiled backsplash, large pantry, & breakfast bar. Main floor offers a versatile layout with a spacious primary bdrm,2 pce ensuite & WIC, or perfect games room for the kids. Upstairs, you'll find 3 spacious bdrms, including the second primary bdrm, 4 piece ensuite with soaker tub and WIC. Downstairs offers a 5th bdrm & family rm. Added comforts include central air, gas f/p, b/I vac & double garage with room for 2 + cars/trucks on the driveway. Enjoy the fully fenced SUNNY SOUTHERN exposure yard, perfect for your furry friends. Close to all amenities, schools & Hwy 1.

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New property listed in Promontory, Sardis

We have listed a new property at 5420 HIGHROAD CRES in Chilliwack. See details here

Welcome to this 5 bdrm, 3 bath family home in sought after Promontory with beautiful mountain views. The spacious layout boasts a formal living room with large windows to create a bright and airy feel throughout the home, crown moldings, gas fireplace with a formal dining rm. Adjacent is a nice size kitchen with family room and access to your beautiful backyard. The upstairs has 4 bdrms (or 3 & games room)including a spacious master suite with an ensuite, soaker jetted tub, double sinks and walk in-closet. Enjoy the large private yard with mature landscaping, a detached shed, a double garage, and additional RV parking, perfect for all your toys. Bonus is the A/C in the summer time and walking to your favorite trails. Close to Promontory Elementary School and Amenities.

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In the News: 2.2 Million Canadian Mortgages are set to renew in 2024/ 2025. Are you ready?
You may have seen this stat making headlines recently:  2.2 million Canadian mortgages are expected to be up for renewal by the end of 2025. This number represents half of Canadian Mortgage Holders!  This turning point presents a significant moment for homeowners, as the majority will likely face an increase in their monthly payments if they choose to renew their mortgages under the same terms. With the dynamic shifts in the mortgage landscape, it's crucial to understand what this means for you and how you can navigate your mortgage renewal strategically.

The Impact of Renewal
Renewing your mortgage typically means continuing with the same amortization schedule—the total time it will take to pay off your mortgage in full. This process does not inherently involve making adjustments, such as taking out equity or extending your amortization period. It’s a straightforward path but not necessarily the most advantageous.

Consider a hypothetical scenario reflective of the current market trends. In June 2019, a homeowner might have purchased a property with a $500,000 mortgage at a rate of 3.65%, with a 25-year amortization and a monthly payment of $2,536. Fast forward to a June 2024 renewal under new conditions with a decreased principal of $432,577 but a higher interest rate of 5.24%. This adjustment results in a new term and an increased monthly payment of $2,898, despite the shorter 20-year amortization schedule. 

You Have Options
It's important to remember that renewal is just one option. When your mortgage term comes to an end, you have the flexibility to renegotiate your mortgage terms or even switch lenders to secure a more favourable deal. This could involve adjusting the amortization period, locking in a different interest rate, or extracting equity for other financial needs.

Seeking Expert Advice
Before you sign on the dotted line, consider consulting with a mortgage expert. A professional review of your renewal offer could reveal opportunities to optimize your mortgage setup, potentially saving you thousands of dollars over the term of your mortgage. With so much at stake, personalized advice tailored to your financial situation and future goals is invaluable.

Act Now
For the 2.2 million Canadian homeowners facing renewals in the next couple of years, now is the time to start preparing. Assess your current financial health, consider how changes in the market might affect your mortgage payments, and explore your options. Don’t hesitate to reach out for expert advice to ensure that your mortgage renewal decisions align with your long-term financial stability.

As your mortgage term approaches its end, remember that you hold the power to shape your financial future. Take the initiative to understand your options, seek out the best possible conditions, and make informed decisions that will benefit you for years to come.

*SHANNON MAYHEW, MBI
MORTGAGE BROKER
T 778.858.9848
www.westcoastbroker.ca
Vancouver, B.C.
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