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Should you pay down your mortgage or invest in the stock market?

I just reviewed a great article that I wanted to share with you.  And the answer to the above question .... it depends. 

What is your mortgage interest rate?  How long until you retire?  How much money have you already invested in your TFSA or RRSP?  Wealthsimple has put together a great summary and table that can help you decide.  Take a look here



Sneakpeak:  it's always good to pay down your mortgage to increase your equity so that you have options if you want to invest in other properties.  And to decrease your overall debt as you head toward retirement.


Best

Denise

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How do I sell my home for more money

Marketing your home

I am a listing specialist.  I focus on my strengths and what I have really enjoyed about the past 22 years selling Whistler real estate.  I have honed my negotiation skills.  I am continuously adding to my marketing program to reach prospective buyers.  I have long, reliable relationships with local experts to do small or large property updates if needed.   Your home will be professional photography ready when it goes on the market to achieve the highest sales price in the shortest time frame with terms favourable to you.  

I have a database of over 5,500 people and market your property proactively to my them.  I refer new buyers to a qualified Realtor in my office.   My area of expertise is marketing homes for sale and…

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Who is Dave Brown?  And what am I up to these days?

A short post for those who may be doing some googling and are a bit confused..  Dave Brown is my ex-husband and the father of my two wonderful children, Hayden and Griffin Brown who are now 18 and 22 years old.  Dave started selling real estate just before our son Griffin was born in 2004.   We separated in 2007.  Dave now works out of the Whistler Real Estate Company office.  Of course, when googling real estate in Whistler you will see both of our names come up.

I trained Dave when he initially started in real estate and he has become an excellent Realtor.  Which I always knew he would be.  He wasn't quite sure at the time and when he decided to keep selling real estate rather than going back to…

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WHISTLER    SQUAMISH    PEMBERTON
WHISTLER'S NEWEST LISTINGS

UPDATED EVERY 15 MINUTES

CLICK this LINK

or read below

  $2,498,000 8167 Alpine Way Alpine Meadows 2 Bd · 3 Ba · 1,604 Sqft
     
  $2,599,000 4 2200 Taylor Way Whistler Creek 4 Bd · 3 Ba · 1,918 Sqft Royal LePage Sussex
     
  $4,999,000 9543 Emerald Drive Emerald Estates 6 Bd · 7 Ba · 3,070 Sqft Macdonald Realty
     
  $2,495,000 422 2202 Gondola Way Whistler…

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What does the CMHC say?

In its most recent post, CMHC has received public feedback and is working to finalize the details and regulations under the Act, and how to enforce it.


CMHC's summary of the legislation is:

"The Act prohibits non-Canadians from purchasing residential property in Canada for 2 years. This act doesn’t affect Canadians and permanent residents. There may be exemptions for certain groups of people, types of residential property, and particular circumstances – these have not yet been established. (Once we’ve reviewed your feedback, we can establish the exemptions.)

The Act:

  • restricts non-Canadians from avoiding the prohibition by using corporations or other entities to purchase residential property
  • allows the…

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Foreign Buyer Ban

The Canadian Real Estate Association (CREA) published an update on the "Prohibition on the purchase of residential property by non-Canadians Act" (also called Foreign Buyer Ban) which comes into force January 1, 2023.  

While Whistler avoided British Columbia’s Foreign Buyer Tax (implemented in August 2016) and the Speculation and Vacancy Tax (SVT) (introduced in the province’s ‘Budget 2018’), it is not going to avoid this Ban.  Based on BC's experience with these taxes, such measures have had a small and often temporary effect on real estate markets, housing availability and affordability. The effects are largely isolated to large metropolitan markets, with no statistically significant impact in smaller communities.  The Act:

    …

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Did you know?

Sales Increase the closer we get

to Ski Season?


As we head into cooler temperatures our minds turn to...... skiing!

Did you know that a significant number of our sales each year occur just before the ski season begins? Buyers look to purchase their Whistler ski 'cabins' before the snow falls and skiing opens November 25th.

If you were considering putting your property on the market, fall is a great time to consider it.


My January to September review of the market shows that prices are remaining strong in all categories of properties.  Time to sell is a little longer and we are not seeing as many multiple offers.  The market is changing across North America with almost all areas lacking in properties for families to purchase.

…

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WHISTLER    SQUAMISH    PEMBERTON
UPDATED EVERY 15 MINUTES
CLICK this LINK

to the newest listings in the past 7 days

  $479,000 218 4320 Sundial Crescent Whistler Village 0 Bd · 1 Ba · 411 Sqft Whistler Real Estate Company Limited
     
  $465,000 339c 2036 London Lane Whistler Creek 3 Bd · 2 Ba · 1,247 Sqft Whistler Real Estate Company Limited
     
  $14,990,000 3827 Sunridge Drive Brio 6 Bd · 10 Ba · 7,925 Sqft Engel & Volkers Whistler
     
  …

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Denise Brown logo

I've made a list
And checked it twice
I've picked the most unique
The best deals
My favourites
The best locations
The best views

The ones that I recommend buying

Check them out
And give me a call 604 902 2033


CLICK here to go to the listings

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