Homes for Sale in Milton and Mississauga


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Homes for Sale in Milton and Mississauga !!!

Are you renting, buying or selling homes or condos in Milton or Mississauga? Then, it is highly important that you take the advantage of an experienced and specialized property sales agent. Owning a property in either of these two cities is an investment that you will live to remember.
Mississauga City
This is a Canadian city located at the shorelines of Lake Ontario, in Southern Ontario. According to Walk Score, Mississauga is the 4th most walkable city in the whole of Canada. The Canada’s busiest and largest international airport (Toronto Pearson International Airport) is situated in this city. The city also hosts a number headquarters of major multinationals such as General Electric, Microsoft, and Walmart Canada.
Milton City.
It is situated on Highway 401 approximately 40 km west of Toronto. Milton city is the western terminal of the bus corridor and commuter train managed by the GO Transit. This city borders the world’s famous Niagara Escarpment, recognized by the UNESCO. The city has witnessed tremendous growth in the last five or so years.
Finding your Dream Home in Milton and Mississauga
With profound real estate experience, the kind of property services being to tenants, landlords, sellers and buyers in Milton and Mississauga are unmatched.
Being the fastest developing municipality in Great Toronto Area, Milton is unmistakably the place to own a property.
Get a complete range of both buying and selling services-perfect for fully occupied real estate investors and potential home owners. And in case you have any question/s regarding buying or selling home or looking for honest advice, feel free to contact credible property agent.
Selling or buying a property in Milton or Mississauga or any other location in a developed economy can be time-consuming and complicated affair. Getting the right property agent who will guide and manage you successfully through this cause in order to get the best deal possible, in shortest time possible is critical. Luckily, people should worry no more because they can get services from real estate sales experts.

Properties in Milton
 Townhouses
 Semi-detached Houses
 Vacant land
 Business and Commercial
 Detached Houses
 Re-sale Condos
Properties in Mississauga
 Townhouses
 Semi-detached Houses
 Vacant land
 Business and Commercial
 Detached Houses
 Re-sale Condos
Why you should own a home in Milton or Mississauga
Investing in these two real estates will undoubtedly maximize your returns.
Mississauga and Milton are in the spotlight for both the local and global real estate investors who are seeking handsome return on their investment. Depending on what you are looking for in owning a property here, property agents will offer assistance to help you select the best property choice; including homes, commercial or business properties, or condos in the suitable neighborhood, so that you can achieve optimal return of your investment.
Smart Financing towards Owning a Property in Milton and Mississauga
Whether you own a property, envy your colleague’s new habitat or simply intend to begin building equity rather than renting, as a professional property agent it is advisable that the very first time you think of becoming a property owner is the minute you should begin financial planning.
Whereas it could be tempting to start searching properties for sale, you have to be financially ready so that you avoid getting into the trap of identifying your ideal property- and then you notice you can’t afford to purchase it.

Random online searches or off-the-cuff visits to open homes are very much in order to have an idea of what properties cost in Milton and Mississauga, however you still need the expert’s guidance to take you through the real process.
Saving to Own a Home
There are a number ways of living economically and finding avenues to save daily expenditures such as your groceries or cable bill, but for you to save towards owning a home you need great deal of discipline. Below is one such way and, in case you need more information on this contact a professional property sales agent.
1. Open a dedicated savings account for your home investment, and have a percentage of your every paycheck transferred to that account automatically. Begin with smaller amounts e.g. $100 to get you customized to living on less, and increase the amount gradually.
Why you should seek Services of a professional sales agent
Experienced and professional property sales agents are accomplished negotiators, with profound knowledge on domestic real estate market values. They sufficiently understand the significance of differentiating sensations while making property transactions. On this regard, they value the requirements of the potential homeowner and the seller and their professional principles are edged on honesty, attention, and integrity.
Professional property sales agents know that the best way to satisfactorily serve clients is by fully understanding their home needs and wants, and their interest supersedes anything else. They ensure that you are adequately informed before you make purchase decision by providing the knowledge and tools that enables you make an informed choice about home purchase based squarely of your terms.


Buy Sell Invest in Property by Pam Bhasin

Realtors in Milton


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  Realtor in Milton

A house is an idea of sanctuary and protection for humans. Everyone wants to live in a house that they can call their ‘dream home’. People work all their life, to own that ‘dream home’ and it is natural to want it to be one of the rewarding and unique experiences of your life. Finding that dream home can sometimes be a really tedious task. However, if you have a professional realtor to help you with the process, buying and selling a property becomes easy and less of a trouble.

Real estate is a great investment especially in an economically demanding area like Milton. The real estate sale has been going up since 2011 in the Ontario area and Milton being a loved vicinity for people to live in has seen a great demand in these years too. Because of the low borrowing cost, people can afford to invest easily into property and can also recover the mortgage and house costs in the Milton area. As the world economy is uncertain and keeps fluctuating, people need some reliable assets to invest their money into. Real estate is a reliable investment no doubt and investing in it gives them a sense of security in many ways.

Milton has its own set of values and traditions. It was first recognized as a village of ship building but has grown tremendously as a town attracting residents. It is situated 40 km in west from Toronto district connecting with the Highway 401. Those who come for work in Toronto like residing in Milton away from the hustle bustle of fast city life and drive to work daily. Milton being a calm locale welcomes residents with all its heart. The town is located at the boarder of Bruce Trail and Niagara Escarpment and is the western end for the bus passageway and passenger train directed by GO Transit. The population in Milton has increased in quite a large amount in past few years and many amenities have also been developed to facilitate the living in this area. The whole town has been urbanized quite well and speedily in the recent times.

With the increasing opportunities in the nearby towns like Toronto, Milton has also grown in facilities. More and more foreign investors have also been attracted to the real estate market of Milton given its serenity and increasing demand. You will find various fine realtors in Milton selling over the top services and making the process of finding your dream property worthy. Other than Milton, Mississauga and Brampton are also highly demanded areas in Ontario when it comes to real estate. Milton is just behind these two cities however attracts masses of customers for property investment as it is one of the most sought after areas for people to live in.

You will find many realtors in Milton that can help you with your property hunt in the area. It is always better to hire a professional than handle everything by yourself so that you can get the value for your time and money. However it is not always easy to find that right person that can understand all your needs and work according to your specifications. You will have to go a long way making sure that the realtor you are hiring for your property search in Milton has all the qualities that an ideal realtor has. Where the right real estate agent can help you plan your investment well, the wrong agent may also put you in a deal less of your advantage. Thus, it is quite essential to make sure you hire a professional agent that fits into your criteria well.

There are many factors that you need to keep in mind before investing into a property. You need to make sure that the locality it is situated in is sophisticated and has all the needed amenities. You also need to make sure that the property is free of any legal obligations and is in good conditions. A professional realtor will understand all the factors well and will make you aware of them beforehand. However it is important to choose the one that fits your budget as good as other requirements.

The realtors in Milton are professional and can fit your budget well. All you need to keep in mind is that you are hiring the right person for the right job. Always check all the details well in advance before starting on any work. Check if the realtor you are choosing for your property search in Milton has the right qualification, experience and the expertise. If the agent fails in any one of these, he/she is a big no. Internet today is a great source when it comes to finding a service or even a product. You can research the list of realtors available in Milton area and ask for quotes from each one of them and then compare their services along with the prices. Apart from checking things on paper you can also go personally and verify credentials if you feel so. Milton real estate market is growing with each passing day, mark your name and grab a deal before the prices touch sky.


Buy Sell Invest in Property via Pam Bhasin

Your property Our Priority

Real Estate in Milton: A Wise Investment


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The recent real estate market trend has turned favorable compared to prior decades. Investing in real estate property at Milton is a wise choice, either you are deciding to sell or buy a property. There is a drastic improvement in the economic condition of the place the reason why there is a huge opportunity for realtors who wanted to invest in this kind of engagement. Choosing for the perfect real estate to buy or sell can be a difficult task especially for first timers. If you are to venture in real estate market, invest at Milton and find the best real estate sales representative agent to guide you all throughout the process.
Why do you need a reliable Real Estate Sales Representative Agent?
The real achievement behind the stories of successful real estate investors is rooted from the big role that real estate sales representative agent plays. As being involved in this kind of career for many inclusive years, my expertise can definitely be the service you need. The knowledge acquired in this field along with extensive professionalism and level of experience can guarantee that you get the best real estate in Milton.
My multiple years in this profession have given me the opportunity to deal with
• Different kinds of people and assisting them in buying, selling or renting real properties in Milton. Moreover,
• My skills to negotiate and find representation in behalf of my clients have been proven that helped them in their most important financial decisions.
• To guarantee my competence, I am able to work with high ethical standards and possess proficiency in communication with my clients.
• As agent, I always prefer what is advantageous to my client in terms of property pricing, providing guidance in marketing designs and influence them in contractual and financial concerns.
There is no worry about your decisions because I will assure to assist you every step of the process.

Find a Top- Notch Real Estate Solution:
We offer top notch real estate services, comprehensive resources and professional advice to potential buyers and sellers in the Milton area. I have earned trust, build reputation and branded ourselves as the leading Real Estate agents in Milton and Ontario. Our team’s driving force is passion for results. We endeavour to educate our clients on any information that they need to know which relates to Milton real estate before making their decision.
There is a wide variety of property in the Ontario market. Welcome to ; a one stop solution for all issues relating to real estate in Milton. Whether you want to buy, sell or rent property at Milton-search no further; you have come to the right place.
Our Strength-
1. Wide Range of Real Property Options
As agent with high proficiency on selling and buying of real estate property, I can offer you great deals and services for the following types of properties:
• Residential properties like townhouses, condominium units, detached and semi-detached home units, etc.
• Commercial properties like industrial complexes, office blocks, motels, shopping centers, etc.
• Rental and investment properties of all kinds

The process involved in the selling or buying of the above properties requires both legal and financial assistance. I will guide you all throughout the process to guarantee that you are having informed decisions and gain good opportunities.
2. To every sale or purchase, we work hard and give total dedication to our clients in order to ensure that they leave with a bright smile knowing that they have achieved what they wanted.
3. The total commitment and constant communication ensures that the investment becomes prosperous.

Having repeat clients is proof enough that we are not only dependable but accountable.

Buying or Selling a Real Estate Property Made Easy
 Selling Your Milton, Ontario Home
There are several steps involved when you are selling a real estate property. The process may sound daunting but I will be at your side to assist you in making the process an easy and enjoyable experience. More often than not, two goals will apply as a home seller; (a) setting the suitable price for your house and (b) getting a sales representative.

At is privileged to alleviate this overpowering decision in selling your home. Find your privilege-

1. If you intend to sell your property, I will act as your representation to negotiate with a buyer until both of you have reached in the stage of having an agreed price for the sale of the property.
2. With my proficiency, I will be hunting a good buyer and establish an attractive marketing campaign for your property.
3. My strategy will make sure that you are benefited from the selling process and my representation in your behalf never ends until your property is transferred to a new buyer legally.
4. Also, as your agent, I can negotiate for fair rental contracts if you wish to rent your property. With my immense knowledge in the marketing strategy that I will find a good tenant, arrange lease negotiations and other tenancy agreements.

Buying a home in Milton
Another thing that my genuine services will be of great help is when you are deciding to buy a real estate property in Milton. Buying a home or investment property is one of the biggest financial decisions that you will ever make in life. Money, time and additional responsibilities are some of the resources that need to be considered when buying a house. Expertise in follow areas-
1. Selecting the best property in town for you.
2. Almost same process is involved. The negotiation that I will have to work with is to ensure that you get the best property right for your budget and needs.
3. I will be able to negotiate for discount rates and other agreements that may deem favorable on your end.

Both the buying and selling process should not stress you with my assistance as your real estate sales representative agent. Through my guidance, that I will let you understand the step by step process and making it comfortable for you. You just have to relax and witness how good is the investment roll over you.
Evade Real Estate Scams
When searching for a new place to live, be it a house for sale or rental unit, it is important to take caution to avoid falling prey to Real Estate scam
• Before giving your deposit, always insist to see the inside of the house. Most foreign scammers are good in giving pictures but will hardly show you the house and its inside. They will allege to be overseas but in real sense, they indeed do not own the property.
• If the property price seems unrealistic; a true good to be a price for the location and number of bedrooms, be suspicious. Chances are that it may be a scam.
• Suppose the home is being sold as a private entity, be cautious of photographs that appear professional or those looking like model homes. Also, be wary of low resolution photos that are of minimal relevance such as bathrooms.
• In case of Rental Ads, be cautious of property that has got fancy and exaggerated descriptions with extensive features lists. This is a copy paste from other sites dealing with real estates.

Real property investment at Milton nowadays is gaining great momentum. With the right agent, you can sell or buy a real estate property per our requirement and achieve fair return of investment. Let us make the purchasing or selling process not a stressful process but a very engaging and worthwhile experience. Contact me today at and know more about how my services are of help.


Buy Sell Invest in Property  Pat Kakar / Pam Bhasin 

Real estate agents and services in Burlington


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It’s not hard for us to understand that many prospective real estate buyers in Burlington are sometimes a bit hesitant when it comes to obtaining professional advice regarding the home they desire to purchase and make every effort to verify the information that they receive from a real estate agent.
Most often, Burlington residents are of the opinion that Real Estate agents are just trying to make a sale by selling the property and trying to earn their fat commissions. This could even turn out to be true—real estate agents have always been conceived to be not entirely honest and over the years, this image has stuck to the minds of most buyers.
Well, it’s certainly time to change that mid set, because if you are able to get in touch with a truly professional real estate agent, the entire real estate dealing would be altogether a different experience—smooth negotiation, stress free and up to speed experience.
Wouldn’t it be great to have someone who is loyal to you, someone you can trust to get your home ready for sale? How much easier would the entire procedure of purchasing your gorgeous, secure and comfortable home be if you could have someone who will comb through the entire city of Burlington to find the best property to suit your needs? Now, that sounds pretty much simple doesn’t it?
When you hire an expert Real Estate Agent in Burlington, you are getting someone who acts solely in your interest. If you have made up your mind about investing in your own home in Burlington, it is wise to get your own real estate agent. Once you have signed the agreement with the real estate agent, this is when everything starts falling into place.
Your real estate agents will work exclusively for you and will protect your interests in the entire dealings. Your contract will ensure that there are no conflicts of interest, and if you do not find a clause that mentions this, you will need to bring it to your real estate agent’s notice. Just as is the case with your listing agreement to sell your home, your agreement will be applicable for a fixed period of time which usually covers three to six months. It will also specify the type of property you are planning to buy or sell. In some cases, the agreement will also list out your budgeted price range as well as the geographical area that suits your requirement and choice.
The agreement also lists out the commission you would be paying your agent. What you need to be aware of is that the real estate agents commissions are set as a percentage of the sale price of the property. While most real estate agents do not charge any other fee besides their commission, which is based on the sale price, there are some agents who ask for a retainer fee and charge a fee for marketing your home.
If you have ever wondered whether the real estate agents commission was negotiable, don’t. Go ahead, and ask. Never hesitate in speaking your mind and discussing all your doubts with your agent. Just as is the case with other business transaction, you will find that in most cases, real estate agents commission is negotiable between you, the seller and your agent. You will find that each real estate agent has his or her way of working and doing business. While some real estate agents focus on offering lower commission rates in return for more frequent business, there are others who appreciate repeat clients and referrals.

In Burlington, you will find that there are some real estate agents who don’t believe in offering any discount on their fees but they target on certain niche of clientele. The different type of clientele could include persons of a particular age group, like retirees who prefer to stay with similar kind of people. Other groups could include different ethnic communities, preference for different type of homes, like large detached homes that are available for high budgets, like more than a million dollars or even specific farming areas.
Of course, a lower commission may not mean excellent service. You may come across adverts or brochures offering a lower commission, but that’s when you remind yourself of the life truth and ask yourself, can you get something for nothing? You need to carefully analyse what’s on offer and be aware of what you are giving up when you accept this offer. Only when you investigate carefully would you learn more details of the services you are getting, things that are not apparent in the ad.
Hiring a real estate agent puts you in the perfect position, as you have someone who is truly watching your back in this world of real estate dealings.



Real estate agents and services in Mississauga


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Now that you have embarked of this thrilling venture of buying a home, your top priority would be to hire the services of a professional Mississauga Real estate agent. Your best bet will be to procure an honest and skilled real estate agent who is communicative. Once you have found your agent, your dream home will not be very far away from you, and soon, you’ll find everything falling in place and you can prepare to start your next phase in life in your new home.
Do you find yourself disagreeing with what we say here? We don’t blame you. There are many people who want to find a posh, more expensive home, and feel that they are in a comfortable financial position to afford one. They start by visiting open houses, and imagine they would be able to close a sale soon enough. No planning, no research whatsoever.
Just chasing your dreams of owning your personal “palace” where you would live forever as the royal couple may not really work out. You have to realize that your daily life is determined by so many more factors than just your dreams. Your work place, children, health and medical facilities, recreational facilities, security, income, traffic conditions are just the main factors that you need to consider. And only an expert, like the qualified Mississauga real estate agent can provide you a clear and truthful opinion.
You can find some truly amazing neighborhoods and communities in Mississauga. Only a truly dedicated Mississauga real estate professional would extensively tour this city to study and learn about the various neighborhoods and the different amenities that each neighborhood offers.
Everyone has a price that they can afford. Depending on your budget, your Mississauga real estate agent will be able to guide you on the neighborhood that will best suit your needs. Are having good schools your top priority? Is your family very important to you?
A lovely, small community in central Mississauga called Credit Mills is a safe locality that you could consider to raise your family. It is conveniently located close to many major highways and has amenities like community centers, parks, libraries available. You could even plan a peaceful retired life in this Mississauga community. Similar Mississauga neighborhoods are Churchill Meadows. Cooksville is another favorite with people who hope to lead a peaceful life with their families or even retire and also has high-rise condominiums and beautiful detached homes. This neighborhood has grown significantly and one can find an abundance of businesses and several parks.
For those who prefer to live in the heart of Mississauga, your real estate agent would guide you to large, private lots and homes in Erindale or Erin Mills. Here you can enjoy tree-lined streets and expansive parks and nature trails.

If the idea of a lakeshore residence appeals to you, Clarkson is a whimsical community which is bordered by Lake Ontario on its southern border.  This is a high-demand area and features a community that is rich in its history, has large expanses of green spaces as well as a thriving commercial business district. Here, you can find several multi-million dollar homes with extensive yards, and modern apartment condominium complexes, detached homes and town homes.
Another favorite of people who love lakefront living is Port Credit, with its active harbor that is choc-a-bloc with sailors, fishermen, boats men and rowers. Port Credit also has a busy commercial district, and the area is dotted with superb restaurants, art galleries and commercial establishments and shops line the main street called lakeshore road.
Lorne Park is another community that borders Lake Ontario and is located in the southwest corner of Mississauga. This community is popular with people who prefer a quiet life and can afford larger properties and private lots. You could also find newer town homes or detached homes at Lorne Park.
With the abundance of communities and residential areas that a buyer gets to choose from in Mississauga, it is hard to do research and come up with a good deal all on their own. It is always advisable to go with a Mississauga real estate agent who will use skilful negotiation skills to representing them, and get the best bargain.
Mississauga real estate agents also advise their clients about how banks see this area. The banks opinion on a particular community greatly affects the sale price of the properties that are located in this area. With the in depth knowledge about the local area, your real estate agent will also be able to advice you about the best schools in the area, values of the home, home appreciation. When you buy a home, you are not only purchasing the four walls and the ceilings—you are also finding a secure place for your family to live in, and your Mississauga real estate agent is the right person to obtain information on how good or safe  the neighborhood is.


Buy sell invest in Property via Pam Bhasin


Real estate agents and services in Oakville


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When you have decided to sell your Oakville real estate property, which could be your home or a commercial property, there are several things you need to plan for—the first being to hire an Oakville Real Estate Agent. Once you have found the right person you know you can trust, and have discussed the nitty-gritty’s of your property in detail, the whole procedure would begin by getting your real estate agent to list your property.
The listing of the property involves coming to a decision on the proposed selling price of your Oakville property. To come up with the appropriate listing price, your real estate agent would carry out a comparative market analysis. This process is carried out by doing a market research and finally, compiling the data on other homes which are similar to yours, and have been sold in the recent past.
Once your real estate agent has come up with this data, he or she will recommend an appropriate listing price. This, of course is a perfunctory exercise, and throws up only approximate values. But if you are keen on getting a formal valuation that would give you a more precise valuation of your property, we suggest you approach a professional appraiser. Many Oakville residents avoid consulting a professional appraiser for evaluating their homes because of the huge effort, time and high costs involved in this process.
In order to list your home, you will need to get into a contract with the listing brokerage. Also known as a Listing Agreement, this written contract that you sign lists out the obligations and duties that are a part of this arrangement between you, as the seller and the listing brokerage. Also a part of this Listing Agreement is the services charges for this listing and also more details on how the agency plans to market your residential property.
At this point, it’s good to be aware that there are two kinds of Listing Agreements—the Multiple Listing Service Agreement or an Exclusive Listing Agreement. It has been observed that most often, Oakville residents prefer to enter a Multiple Listing Service Agreement, which is perhaps because of the fact that all realtors who are members of the Oakville real estate board get to learn about your home’s listing and are encouraged by the idea that they get to share the commission if they are able to find a buyer for your home. Multiple Listing services are known to be the most effective way to sell your home or find real estate properties for purchase in Oakville.
On the other hand, if you sign up for an Exclusive Listing Agreement, you are listing your home with an exclusive brokerage and thus the details of your property will only be offered to prospective buyers of that particular agency. In this case, even if another real estate agent brings in a customer, he or she will not be entitled to the commission. This discourages other real estate agents, and they do not have much interest in finding buyers for your property. You will also find that this method does not throw up as many results as the Multiple Listing Service.

Once the Listing Agreement is drawn out, your real estate agent will list the property. He or she will also plan out other marketing activities to help promote the sale of your home. Open houses are arranged to show case your home to other prospective buyers. When it comes to having an open house, you could have two kinds—one  which real estate agents attend, so they can share the details and information with their clients and the other open house is open to the general public. Anyone can attend, from your nosy neighbors keen on seeing the insides of your home, sincere buyers or just a walk-in who really can’t afford to purchase your home, but may even have the intention to steal whatever they can get their hands on.
Posting online classifieds on real estate websites, placing ads in newspapers and magazines and designing and distributing brochures are other ways that your real estate agent could market your home.
If you have a ready buyer for your home, and he has made you a written offer, your real estate agent will present it to you and explain the terms and conditions clearly. He or she will negotiate the deal on your behalf.
Your Oakville Real Estate agent is your representative in the entire real estate transaction that is involved in buying or selling your home. Once you have found your agent, you find that it totally pays to have an experts support in your dealings with other buyers or sellers. Real Estate agents provide more exposure for your property and fewer headaches for you.

Buy Sell Invest in Property BY Pam Bhasin

Real estate agents and services in Milton


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Did you know that they call Milton, Ontario, a bedroom community? And do you know why it is called that? It is because in this town, most residents prefer the excellent quality of life they find here, in comparison to the city that they work in. They choose to drive to their place of work in Toronto, day in and day out, every working day of the week, and come home at the end of the day to Milton.

Milton residents choose to live in this vibrant community that is growing each day because of its laid back lifestyle, fabulous indoor and outdoor amenities like excellent schools and hospitals, sports and skate parks, restaurants, swimming pools and hiking and biking trails.
Of course, the affordable housing prices in Milton are also great deciding factor for most of the people for whom the lower than average housing prices available here is a welcome relief from the increasing lack of affordable housing options in Toronto. In their annual report the Real Estate Investment Network (REIN) has named Milton as one of the top investment communities in Ontario, and that does speak volumes for this town that is growing each day.

That said, real estate transactions, both buying and selling a house is not easy even in a town like Milton. If you add a careless or incompetent real estate agent into the equation, the entire deal could spell disaster. As a prospective buyers or sellers of real estate property in Milton, there are certain aspects that you need to take into account when you are shopping for a real estate agent, and before signing on the dotted line.

Make a list of the available options

When you have made the decision to either buy new property in Milton, or sell your existing house, the first thing you need to do is to get in touch with your local real estate agency and find out which sales agents close more sales. While this may not ascertain that the agent will be the right one for you, it certainly would help in reaching out to an experienced real estate agent who’d represent you and your best interests.
Your friends or other family members are also a great source of information, especially is they have done real estate transactions in the recent past. If they have had a really positive experience in dealing with a real estate agent, they would gladly recommend him or her to you. You would find it easier to rely on an agent who has had interactions with someone you trust.
The idea here is to find a real estate agent who is competent, an excellent negotiator and has an in-depth knowledge about the local market values in Milton.

Seek local references
Once you have narrowed down your list of real estate agents you would like to work with, you must remember to ask them to provide you with a list of references from other clients that they have dealt with in Milton. Professional agents would readily be able to refer you to their past clients, who will be more than willing to provide an honest attestation of their abilities. Of course, you will have to keep this possibility in mind that the agent may only share the names of clients who are likely to sing praises about them, but this exercise will certainly be worth your time. Call the references and clarify all your doubts.

Some questions that you could put forth are whether there was any part of the entire transaction with the real estate agent that they did not like. Or what convinced them to hire the particular real estate agent, than his competitor.

Hire your local area expert
It is important to work with a real estate agent who has in-depth knowledge about Milton. Before making a decision that would really affect your life, you need to prioritise your personal needs and requirements. Does the property have good schools for your children close by? Are there good recreational facilities for your family? Is it a good area of town or is it an area that most people avoid?
A local real estate agent will have more awareness of the typical offering and selling prices, rather than another top-selling agent who works elsewhere. The best way to find an expert in your area is to ask around. Your local brokerage, real estate publications or your family and friends would certainly be able to help you out in this regard. Real estate publications, both online and print would help paint a clearer picture that shows you which agents have the most listings in particular areas in Milton. This way, you will be able to quickly locate homes based on your needs.


Buy Sell Property by Pam Bhasin

Benefits of first time home buyer

Canada has one of the highest rates of home ownership in the world, with two out of three families in the country owning a house. More and more Canadians are investing in real estate, and smartly so, since it is one of the best investments one can make. Investments in general are volatile, but real estate is one in which you can be sure of a steady increase in its value, and get a substantial return on your investment.

There are so many advantages of owning property; you don’t have to be at the mercy of your home owner, and vary of increased rents or cancelled leases. When you buy your home, the payment you invest builds equity, whereas the money you pay as rent goes to your building or property owner. This equity can in turn be used as a security for any other loan that you may need to take in future.
Investing in your first home can certainly be an intimidating experience, especially since it is one of the largest investments that you would be ever making at that phase in your life. First time home buyers enjoy many benefits, but to qualify as a first time home buyer neither you nor your spouse should not have ever owned a home or made a purchase before.
Do your research
If you are planning to invest in your first home and have zeroed down on your preferred location it is important that you first conduct a research on what incentives are currently available for first time home buyers. No matter which part of the country you plan to invest, be it Milton, Mississauga, Oakville, Toronto or Burlington, you will find that you can obtain a mortgage pre-approval for the home loan with notably reduced down payment requirements.
In order to ensure that you have saved enough money to pay the down payment and other fees that are involved in your home purchase, you would need to have a clear understanding of the down payment requirement and the loan options you can obtain a mortgage pre-approval for.
As a first time homebuyer, you can take advantage of the two major incentives that the Government of Canada has introduced. These are the Home Buyers’ Plan (HBP) and the First-Time Home Buyers’ Tax Credit (HBTC), and are both a great way to help save money when buying your first home.
Let’s get to know a little bit more about each of these incentives and how you can benefit while buying your first home. First time homeownership has become so much more affordable and attainable than earlier, with the lowered down payment amounts and subsidized interest, and you will find that there really is no time like the present to make your dream come true.
Registered Retirement Savings Plan (RRSP) First-time Home Buyers’ Plan
This excellent initiative from the Canada Revenue Agency will provide you a tax incentive if you are a first-time home buyer, as you can use your retirement savings to buy or build a home. Under this plan, you can withdraw up to $25,000 from your Registered Retirement Savings Plans with absolutely no tax penalty to buy or build a home for yourself or for someone related to you with a disability. Of course, you should be a resident of Canada who is purchasing your first home or else it has been at least 4 years since you have last owned a home, in order to qualify for the Home Buyers Plan. You will need to enter into a written agreement to buy or build a home before you can withdraw funds within the Home Buyer’s Plan. Additionally, in order to be eligible, you also must occupy your home as your primary residence. You have a maximum time period of 15 years to pay back the amount that you withdraw from the plan in yearly installments.

Here is more information on the Home Buyers Plan that can help you decide if you are a fit:
• The amount being withdrawn should have been in your RRSP account for a minimum period of 90 days.
• If you are buying your home jointly with a spouse, you may withdraw up to $50,000.
• You can repay the RRSP in yearly installments for up to 15 years, which starts from the second year after withdrawal your yearly repayment will be 1/15th of the amount you withdrew. In case you have not contributed to your RRSPs for one or more of these years, the amount will be added to your income at tax time.
The Home Buyers Plan actually allows you take money out of your RRSPs tax-free and is a great way for you to put a down payment on your new home if you have an RRSP account.
If you don’t have an RRSP account, it’s not too late, and you can still benefit from the Home Buyers Plan. All you need to do is to open up an RRSP account and start putting your savings in it. You will receive a credit/refund at tax time, which can be added to your savings or used to pay for other expenses.

First-Time Home Buyers’ (FTHB) Tax Credit
The First-Time Home Buyers’ (FTHB) Tax Credit is Canada’s Economic Action Plan incentive which gives first time home buyers assistance with the huge costs associated with the purchase of a home. The various costs involving the purchase of a home, such as land transfer taxes, legal fees and disbursements can be a great strain on your finances, as in addition to bearing these costs, you will also require to save money for the down payment. According to this incentive, a $5000 income tax credit is given for the whole year in which you buy your first home. If you are purchasing the property with your spouse, you can split this credit, but not exceed $5000 so you can expect up to $750 in federal tax relief.
As with the Home Buyers’ Plan you can be eligible for incentive only if the home you purchased is used as your principal residence. In order to receive this credit, all you need to do is to notify your tax preparer about the purchase of the qualifying home, and you can be sure that you receive this credit.
Arm yourself with The Home Buyers’ Plan and First Time Home Buyers’ Tax Credit to get the most out of your first time home purchase.


Buy / Sell / Invest in property – Pam Bhasin

Real estate agents assure you diligent and attentive service



Planning to buy a house for your family and you in Milton, Mississauga, Oakville, Toronto or Burlington, and want to make sure that you get the best deal? The entire process may not be as easy as you think, with complexities cropping up when you least expect it to. Most people find it easier to buy their dream home with a real estate agent by their side. There are so many activities that need to be coordinated at the same time—tons of paperwork to process, hiring inspectors, forming and maintaining good relations with the sellers through their agent, getting repairs done and negotiating prices and who pays for them and so much more. You can expect ready replies to your questions about the local market area, not just about properties for sale, but also about neighborhoods, schools, medical facilities, local economy and more.

A professional real estate real agent with years of experience up his sleeve would usually have established contacts with mortgage loan brokers and good inspectors, and many others whose combined efforts help to make the entire buying process easier. These are people in the real estate business who know all about the appropriate practices and behaviors in the Ontario region. Real estate agents act diligently on your behalf, and help to remove all stress and confusion from the home buying process.

Buying a home is a breeze with a real estate agent by your side
You don’t buy homes every day. It’s therefore a total waste of time and effort to have to learn about real estate dealings in great detail. Hiring a real estate professional does away with your need to know about all the nitty-gritty’s involved in buying and selling real estate. Most often, real estate agents in the same geographical area tend to charge you similar fees, so why not hire a person who has more knowledge and market experience than you do? Since residential real estate is a very local business, you will find that even a distance of a few residential blocks can make a world of difference in the price of a home. Only an excellent real estate agent will possess the knowledge about the specific neighborhood in which you hope to buy or sell a home. When you hire professionals, you can save precious time that you could put to better purposes.

Professional real estate agents pay attention to details
Real estate agents are highly effective and helpful individuals who are able to understand the contract and sales processes. They are trained to pay close attention to the smallest details which may prove to be an important issue in the buying process. An experienced agent is highly attentive to your needs and will prepare you for all meetings that you may need to attend. He or she would help you prepare necessary documentation and make sure that the entire process is completed accurately.
With a trained eye for details, your agent will recommend relatively simple improvements to your home, like easy repairs, painting and de-cluttering, which can help you sell your home faster and for a better price. As your neighborhood expert, he or she can just walk through your home and see right away what needs to be done to get it sold sooner and for a better price. You will be surprised at their insights and tricks of the trade that you were unaware of.

Attentive service that is focused on your interests
Your real estate agent will focus on your wants and needs to the fullest extent as allowed by law and will strive to add value through representing your interests. He or she will focus on getting you the best possible home at the best possible price that is available in the market. While working hard not only in finding you potential new homes to see, he or she will also keep you informed of all events that takes place. As your representative who is an expert in the local market, your agent will negotiate the best prices and terms for you and be in a position to answer all of your questions when they arise. You can be assured that his or her vast experience and expertise in the local market will be used in your best interests during the entire negotiation process.

Attentive service that meets all your expectations
As someone who is planning to buy or sell a real estate property, it is entirely reasonable for you to expect your agent to tailor his or her approach to match your needs. Since your real estate agent represents you, he or she should be professional in appearance and demeanor. You can expect all your phone calls to be promptly returned, clear communication and an honest opinion about the property. Of course, it would be ideal to engage a real estate agent you really can get along with, but in reality, it’s not essential. As long as the person has the important skills that you lack, your compatibility with him or her is not of importance.

Efficient agents are those who are able to remove themselves from the emotional aspects of the transaction, yet provide courteous and attentive service to you. This trait also helps them in conducting negotiations, and because unlike you, emotions do not cloud their judgments or decisions. These professionals are able to present your case in the best light and agree on holding your information as confidential from other competing interests.

Get the benefit of the right affiliations
Your real estate agent will be a member of the local real estate board or be attached to a real estate firm that has access to the local listing services. He or she will also be active in the market or geographical area of Canada in which you hope to buy or sell property. You get access to their extensive database,
While some people are able to sell their own homes by just studying the long list of frequently asked questions that are found on websites where owners put their property for sale, the buying process isn’t as simple as you may assume. There is always the chance that you get into a tough situation and it can really pay to have a professional on your side.

Buy / Sell / Invest in property – Pam Bhasin