David's Blog

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Are you giving Value First?

All the information that you need is available to you online; Everything about Toronto Real Estate that you could possibly need to know.
We are able to calculate the closing costs for your on a residential real estate transaction, down to the penny. The most often asked questions (and emails that I receive) are about the land transfer tax and differences between the homes in the 416 and homes in the 905.
There are two different taxes; being the Ontario Land Transfer Tax that applies in all of Ontario and the additional Toronto Land Transfer Tax that I affectionately call Miller Tax. In addition as part of your purchase you may need to deal with a new survey, ( lending institutions have started asking for up to date surveys) and the related legal fees on a purchase.
Stan Gelman Lawyer for Real Estate in Mississauga was kind enough to create a Land Transfer Tax and Legal Fee Calculator that answers the are you elidgible for rebate questions in a few simple answers online.
Try it for yourself here;
Click here to open the closing costs calculator.
In an effort to further enhance your shopping experience and bring added value to the PURCHASE a home with David Pylyp program we are pleased to promote the Astrum Mortgage Program.

Astrum Financial Services is your first choice for great mortgage rates in Canada. Our exclusive mortgage rates are not available through any other mortgage broker or any chartered bank in Canada. Securing a mortgage through Astrum Financial Services enables our clients to save several thousand dollars.

After applying for an Astrum Star mortgage online our clients are contacted by telephone by one of our licensed mortgage representatives. Our clients never have to leave the comfort of their home as Astrum Financial Services conducts all mortgage business online and via telephone. Get the current rates: Right Here

Here is the program in a nutshell, You are entitled as My client to use Astrum as a bundle of services that I provide to my clients. You are entitled to Prime minus 90 basis Points on Owner Occupied Residential Mortgages that have a few terms and conditions to qualify. Credit Score Minimum 680 Maximum Advance 95% Based on Standard CMHC Criteria GDS /TDS 40 / 40 Two years Financial Statements and Statement of Assessment if Self employed.

You must apply under my Access Number; You must contact me to obtain my access number. You must accept commitment within 10 days of issue.

Participation in this program could save you 3-5 thousand dollars over the next 60 month period of home ownership. This applies to all properties whether they are condominium or freehold. This mortgage discount program is 90 basis points below prime on variable rate. The five year rate is 60 basis posts below best posted rates.
If these are the types of programs you expect your Realtor® to provide for you; please give me a call at 905 361 3387 I would be pleased to hear from you.

David Pylyp

Etobicoke Real Estate Agent

Accredited Senior Agent for York Peel and Halton Regions

Lives in Toronto and promotes Giving Value

As we move forward It would be good if you also circled me on Google +
https://plus.google.com/109283965469179719942/posts

Comment balloon 0 commentsDavid Pylyp • April 26 2010 04:13PM
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