Hello friends! As we enjoy the Family Day holiday weekend here in Canada, it presents a perfect opportunity for us to reflect to the reasons why do we have such drive to pursue our goals especially when it comes to creating a better life for our loved ones. And many of my clients share this same heartfelt mission—to ensure their families have bright futures ahead.

Below, I'm thrilled to share some heartwarming photos of these amazing families who've recently achieved milestones like buying their first home or helping their kids take that big step towards independence and purchasing their own homes. Let's celebrate their successes together!

REAL ESTATE MARKET UPDATE:

Tighter market conditions in January 2024 when compared to the previous year. As per TRREB "Home sales were up in January 2024 in comparison to January 2023. This annual increase came as some homebuyers started to benefit from lower borrowing costs associated with fixed rate mortgage products. New listings were also up year-over-year but by a lesser annual rate compared to sales. The resulting tighter market conditions when compared to the same period a year earlier, potentially points toward renewed price growth as we move into the spring market."

FEATURED PROPERTY:

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LOWEST MORTGAGE RATES:

VARIABLE: 5 YR HIGH RATIO P‐1.0%

5 YR CONVENTIONAL P‐0.65%

FIXED 1 YR: 6.74%

FIXED 2 YRS: 6.37%

FIXED 3 YRS: 5.39%

FIXED 4 YRS: 5.39%

FIXED 5 YRS: 4.99% (High Ratio)

FIXED 5 YRS: 5.39% (Conventional)