Saint John, NB

107 Inglwood Drive is a six unit multi family located in the prime rental district in Grand Bay-Westfield.

Features

• New roof All new windows and siding
  
• New miracom entry systems
  
• New appliances throughout (leased over 5 years / 2.5 years remaining on lease)
  
• New water softeners (leased over 5 years)
  
• New flooring throughout (carpet and vinyl)
  
• New kitchen facings
  
• New tub surrounds (ceramic)
  
• Low Vacancy Rents - $525 for 2 bedroom / $425 for 1 bedroom – tenants pay all utilities
  
• Electric heated units paid by tenants
  
• New paving thoughout all three buildings
  
• Interior / and exterior light 100%

For more information, please call 1-866-593-7446 (option 2) or visit www.sellwithme.ca

103 Inglewood Drive, New Brunswick Real Estate

Features:

• New roof
  
• All new windows and siding
  
• New miracom entry systems
  
• New appliances throughout (leased over 5 years / 2.5 years remaining on lease)
  
• New water softeners (leased over 5 years)
  
• New flooring throughout (carpet and vinyl)
  
• New kitchen facings
  
• New tub surrounds (ceramic)
  
• Low Vacancy
  
• Rents - $525 for 2 bedroom / $425 for 1 bedroom – tenants pay all utilities
  
• Electric heated units paid by tenants
  
• New paving thoughout all three buildings
  
• Interior / and exterior light 100%
  

For more information, please call 1-866-593-7446 (option 2) or visit www.sellwithme.ca

Canadian Mortgage Rates for September 12th, 2008

6 Mth 1 Yr 2 Yrs 3 Yrs 5 Yrs 7 Yrs 10 Yrs

Bank of Montreal 6.21 6.65 6.70 6.70 6.85 7.30 7.65
Centum Mortgage 4.25 4.70 5.25 5.35 5.34 5.80 5.90
CIBC 6.74 6.65 6.70 6.70 6.85 7.30 7.65

National Bank 6.30 6.30 6.30 6.35 6.85 7.25 7.45
Royal Bank 6.35 6.35 6.35 6.35 6.85 7.30 7.95
Scotia Bank 6.35 6.35 6.55 6.69 6.85 7.30 7.95
TD Canada Trust 6.20 6.65 6.70 6.70 6.85 7.30 7.65


On October 15th, 2008, is when 100% mortgage financing and 40 year amortizations is over! For the most part anyway, they'll still be available on non-government backed mortgages. As a reminder, when the insurers cap their loan-to-value ratios at 95% in October, high-ratio borrowers will still be able to tack on insurance premiums to their mortgages.

I believe that the mortgage rate trends will continue going up for the next few months, due to the U.S. Mortgage Crisis, until they are stabilized.

1) What are your thoughts on these rates?

2) Where do you see these trends going?

I am a huge fan of saving money and the environment. I've come up with a few simple steps you can take to save energy around the home.

1. Decide what you're taking from the fridge before you open it, try not to leave the door open any longer than you have to.
2. Defrost meat and other items in your fridge, not on the counter. The frozen item will absorb the warmth in the fridge and keep the fridge from working harder to keep things cool.
   
3. Let food cool before you place it in the fridge or freezer. The fridge has to work hard to take away the heat, and will use more energy.
4. Use cold water when possible (when cleaning purhcase a green cleaner that can be used with cold or luke warm water).
5. Use caulking around windows to stop drafts. You can also use heavy blinds to create a warm layer of air between the window.
6. Purchase a digital thermostat. Program it to turn down the temperature a few degrees at night and an extra few temperatures in the rooms you don't use at night. You can also program them to start turning up the heat a half hour before you get up.
7. Wear a sweater when its cool, or have a nice warm cup of hot chocolate (or a Peppermint Soy Latte at Starbucks).
8. When purchasing appliances, ask your sales associate for energy efficient products.
9. Replace light bulbs with energy efficient bulbs, and turn off lights that you aren't using.
10. When upgrading your hot water heater, purchase an instant hot water heater. This will fire on to produce hot water, but doesn't store a tank of hot water 24/7.
11. Talk to your local hydro company to see what kinds of programs may be available to help you make your home more energy efficient. In New Brunswick visit www.efficiencynb.ca.

The key thing here is top of mind awareness. The more you practice energy efficiency the easier it becomes! I look forward to your ideas and tips on saving energy.

Here's are the Canadian Mortgage Rates, effective Sept. 5th, 2008 from the major banks & mortgage companies in Canada.

6 mth 1 year 2 years 3 years 5 years 7 years 10 years

CENTRUM 4.25% 4.70% 5.25% 5.35% 5.44% 5.80% 5.90%

CIBC 6.74% 6.65% 6.70% 6.70% 6.85% 7.30% 7.65%

Bk of Montreal 6.21% 6.65% 6.70% 6.70% 6.85% 7.30% 7.65%

Royal Bank 6.35% 6.35% 6.35% 6.35% 6.85% 7.30% 7.45%

Scotia Bank 6.35% 6.35% 6.55% 6.69% 6.85% 7.30% 7.95%

Nat’l Bank 6.30% 6.30% 6.30% 6.35% 6.85% 7.25% 7.45%

TD Canada 6.20% 6.65% 6.70% 6.70% 6.85% 7.30% 7.65%