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How the bond market meltdown could push fixed mortgage rates higher

 

Rate hikes would occur as sales have dropped in Calgary and Edmonton. Prices have peaked in every market in the country with the exception of Vancouver and Toronto.
THE CANADIAN PRESS/Sean Kilpatrick
Rate hikes would occur as sales have dropped in Calgary and Edmonton. Prices have peaked in every market in the country with the exception of Vancouver and Toronto.


 

An increase in mortgage rates is likely just around the corner, a situation that might push some consumers to lock down their rates.

 

Given that five-year Government of Canada bond yields have climbed about 40 basis points in the last month, and mortgage rates track bonds, it makes sense to try to get a rate guarantee if you are shopping for a house, Rob McLister of ratespy.comsays.

 

“There is an inclination to recapture some of the spread [between bond yields and mortgage rates],” says McLister, who expects up to a 15-basis point increase on the five-year.

Consumers might consider getting pre-approved for a mortgage before they buy a home – an option that offers a guaranteed rate for as much as 180 days.

 

“I got an email from one lender suggesting we may see something in the coming days,” said Vince Gaetano, a principle at monstermortgage.ca. “I think it would be very prudent [to get pre-approved]. The only reason people don’t is they are just lazy or don’t know when their mortgage is up for renewal.”

 

 

Read More: http://bit.ly/1RPev4u

 

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Mother's Day is just a couple days away, Sunday May 10th.  If you still need to find that perfect gift here are some last-minute ideas:

 

For the Cooking Mom: Wooden spoons and tea towels

 

For the Mom who likes to Relax: Bathtub tray and soaps

 

For the Gardening Mom:  Bulbs and/or packs of flower seeds in a jar

 

For the Mom who likes to accessorize: Jewelry holder

 

For the Busy Mom on the go: Purse

 

For the Mom who loves movies: Netflix gift card

 

 

 

Being a mother is learning about strengths you didn't know you had, and dealing with fears you didn't know existed

 

- Linda Wooten

 

 

 

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Please visit our Open House at 125 ELGIN PL SE in Calgary.
Open House on Saturday, April 18, 2015 14:00 - 16:00 Amazing CIR Realty Open House
OPEN HOUSE SAT SUN 2-4PM No Condo Fees in this Superb 2 Storey Duplex on a whisper quiet cul-de-sac. Immaculate condition and Move-In ready! 2+1 bedrooms and 3.5 bath! Wow over 1500 sq ft of LIKE NEW living space at a Phenomenal Price! Open concept floorplan with living room, kitchen, breakfast nook, 2 pc powder room on Main. Ample Kitchen counter space and cupboards for your inner Chef. Relax in your two very large bedrooms, each w/4 pc ensuite & walk-in closet. Gorgeous fully finished basement with spacious family room, third bedroom and 4 pc bath. Amazing West Facing backyard w/oversized custom built Composite Deck & plenty of yard space. Enjoy long showers with your never ending Tankless hot water. Stacked washer & dryer makes laundry a breeze. Amazing McKenzie Towne Community near all amenities incl: Home Depot, Canadian Tire, Superstore, Sobeys, amazing restaurants & tons of retail shops. Walking distance to Parks, Greenspace and schools. Your home is waiting! Call TODAY
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Please visit our Open House at 146 BRIGHTONWOODS GREEN SE in Calgary.
Open House on Sunday, March 8, 2015 2:00 pm - 4:30 pm
Open House Sat 1:30-3:30 / Sun 2-4:30. Priced to Sell! Looking for that Move-In Ready custom home with GIANT yard for kids, RV Parking, Gardening and Entertaining? Look no farther than this Beautifully Upgraded 5BED with over 2800 Developed feet. Gorgeous entrance welcomes you home. Unload work in your Executive Den and breathe in the Gorgeous WIDE-OPEN MAIN with Warm Traditional Finishings. Elegant Kitchen with Custom Cabinets, Trim, and Tons of Counter and Island space. Relaxing Living Room with feature Stone Fireplace. Upstairs offers HUGE Bonus Room flooded with Sunlight and Surround sound. Stunning Master Retreat with Jetted Tub, His and Hers Ensuite and large Walk-in. Kids rooms are large enough to easily fit bunk beds plus whatever else they may want. MORE? Professionally Finished Basement with 2 beds, bath and Rec-Room. Over $45,000 in Builder Upgrades: Custom Kitchen / Lighting / Windows / Extended Breakfast Nook, Oversized Garage. Huge Corner Lot size but no extra sidewalks to shovel.
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Please visit our Open House at 137 BAYSIDE PT SW in Airdrie.
Open House on Sunday, March 8, 2015 2:00 pm - 4:00 pm
Open House Sunday 2-4PM. Immaculate Bayside with over 2400 SF of Family Living on an Oversized Corner Lot. Beautiful Main with Bright Vaulted Entrance ! Gorgeous Cherrywood welcomes you to the Beautiful Wide Open Contemporary Kitchen with centre island and corner pantry. Relax in your Warm Family Room accented with a Feature Fireplace. French Doors lead to a large Office that could be a formal Dining Room. Beautiful Staircase leads to one of the LARGEST Master Rooms you will ever see. His and Her Ensuite Spa with Jetted Tub and Radiant Skylight. Two Bright Kids Rooms with own Bath and Large Laundry Room eases chore time. MORE? Finished Basement with HUGE bed, perfect 3pc bath and GIANT Rec-Room for your family entertainment. MASSIVE Backyard with so much space for everything - RV Parking, fire-pit, gardening, trampoline - you name it. Amazing Price and Location! Across the street from the Canals and perfect Kids Playground. Quick Walk to Schools. Central AC, Newly Painted and Move In Ready. A MUST SEE!
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Please visit our Open House at 146 BRIGHTONWOODS GREEN SE in Calgary.
Open House on Saturday, March 7, 2015 1:30 pm - 3:30 pm
Open House Sat 1:30-3:30 / Sun 2-4:30. Priced to Sell! Looking for that Move-In Ready custom home with GIANT yard for kids, RV, Gardening and Entertaining? Look no farther than this Beautifully Upgraded 5BED with over 2800 Developed feet. Gorgeous entrance welcomes you home. Unload work in your Executive Den and breathe in the Gorgeous WIDE-OPEN MAIN with Warm Traditional Finishings. Elegant Kitchen with Custom Cabinets, Trim, and Tons of Counter and Island space. Relaxing Living Room with feature Stone Fireplace. Upstairs offers HUGE Bonus Room flooded with Sunlight and Surround sound. Stunning Master Retreat with Jetted Tub, His and Hers Ensuite and large Walk-in. Kids rooms are large enough to easily fit bunk beds plus whatever else they may want. MORE? Professionally Finished Basement with 2 beds, bath and Rec-Room. Over $45,000 in Builder Upgrades: Custom Kitchen / Lighting / Windows / Extended Breakfast Nook, Oversized Garage. Huge Corner Lot size but no extra sidewalks to shovel.
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February sales started to pick up from a dismal January.

 

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Please visit our Open House at 140 NEW BRIGHTON LANE SE in Calgary.
Open House on Saturday, February 21, 2015 12:00 pm - 4:00 pm
Open House Sat 12-4 PM! Looking for a Triple Garage w 220 wiring & gas line? Looking for a Professionally Finished Basement? Looking for 5 beds? Looking for a HUGE South Facing Yard with Composite Deck? Your search is over, this home has it all! Gorgeous Main floor offers a large Den perfect for the busy Professional. Elegant Kitchen designed right out of a magazine with Stainless Appliances, Dark Stained Cabinetry and Granite. Sit back and relax in your Family Room accented with a River Rock Fireplace. Upstairs you will find 2 nicely sized Childrens Rooms, a MASSIVE bonus room for your Families Entertainment, Upper Laundry, and a Master Retreat. Escape to your Master Retreat complete with a walk in closet, 5 piece Ensuite, separate Tub/Shower and His & Her sinks. Amazing lower level has the 4th and 5th Bedrooms, a Giant Rec-Room and a Full Bath with Heated Tile floor. Upgrades continue everywhere: Custom MudRoom, Lighting, Tankless Hot Water, High E Furnace, RoughIn Hot Tub, Wired for Sound and MORE!
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Please visit our Open House at 146 BRIGHTONWOODS GREEN SE in Calgary.
Open House on Saturday, February 21, 2015 12:00 pm - 3:00 pm
Open House Sat 12-3PM. Amazing Price! Move-In Ready Custom Family Home. HUGE OverSized LOT.Look no farther than this Beautifully Upgraded 5BED with over 2800 Developed SF. Sunny GRAND ENTRANCE welcomes you home. Unload work in your Spacious Executive Den then breathe in the Gorgeous WIDE-OPEN MAIN with Warm Traditional Finishings. Elegant Kitchen with Custom Cabinets, Trim, and Tons of Counter and Island space. Relaxing Living Room with cozy feature Stone Fireplace. Upstairs offers HUGE Bonus Room flooded with Sunlight and Surround sound. Stunning Master Retreat with Jetted Tub, His and Hers Ensuite and large Walk-in. Kids rooms are large enough to easily fit bunk beds plus whatever else they may want. MORE? Professionally Finished Basement with 2 beds, bath and Rec-Room. Over $45,000 in Builder Upgrades: Custom Kitchen / Lighting / extra Windows / larger Breakfast Nook, oversized Garage, Maintenance free Exterior. Lot inc: Aspen Trees, Two-Tier Garden, Underground Sprinkler RI, Comp Deck and more.
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Please visit our Open House at 137 BAYSIDE PT SW in Airdrie.
Open House on Sunday, February 22, 2015 12:00 pm - 3:00 pm
Open House Sunday 12-3PM. Immaculate Bayside with over 2400 SF of Family Living on an Oversized Corner Lot. Beautiful Main with Bright Vaulted Entrance ! Gorgeous Cherrywood welcomes you to the Beautiful Wide Open Contemporary Kitchen with centre island and corner pantry. Relax in your Warm Family Room accented with a Feature Fireplace. French Doors lead to a large Office that could be a formal Dining Room. Beautiful Staircase leads to one of the LARGEST Master Rooms you will ever see. His and Her Ensuite Spa with Jetted Tub and Radiant Skylight. Two Bright Kids Rooms with own Bath and Large Laundry Room eases chore time. MORE? Finished Basement with HUGE bed, perfect 3pc bath and GIANT Rec-Room for your family entertainment. MASSIVE Backyard with so much space for everything - RV Parking, fire-pit, gardening, trampoline - you name it. Amazing Price and Location! Across the street from the Canals and perfect Kids Playground. Quick Walk to Schools. Central AC, Newly Painted and Move In Ready. A MUST SEE!
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Family Day Contest
 
Hope you all had a great Family Day Weekend !
 
 


Always a great time of year to enjoy some downtime with your loved ones.

Our Family Day Contest is still open. Email in your pics or post them on our Facebook page.

Winner will receive Family Movie Passes!

Looking forward to seeing some great pics :)

Denis Hrstic
MyHomeAgent
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Please visit our Open House at 140 NEW BRIGHTON LANE SE in Calgary.
Open House on Saturday, February 7, 2015 3:00 pm - 5:00 pm
Open House Sat 3-5PM! Triple Garage with 220 wiring & gas line? Looking for a Professionally Finished Basement? Looking for 5 bedrooms? Looking for a HUGE South Facing Yard with custom Composite Deck? Your search is over, this home has it all! Gorgeous Main floor offers a large Den perfect for the busy Professional. Elegant Kitchen designed right out of a magazine with Stainless Appliances, Dark Stained Cabinetry and Granite. Sit back and relax in your Family Room accented with a River Rock Fireplace. Upstairs you will find 2 nicely sized Childrens Rooms, a MASSIVE bonus room for your Families Entertainment, Upper Laundry, and a Master Retreat. Escape to your Master Retreat complete with a walk in closet, 5 piece Ensuite, separate Tub/Shower and His & Her sinks. Amazing lower level has the 4th and 5th Bedrooms, a Giant Rec-Room and a Full Bath with Heated Tile floor. Upgrades continue everywhere: Custom MudRoom, Lighting, Tankless Hot Water, High E Furnace, RoughIn Hot Tub, Wired for Sound and MORE!
Read Full Story
Please visit our Open House at 146 BRIGHTONWOODS GREEN SE in Calgary.
Open House on Saturday, February 7, 2015 12:00 pm - 2:30 pm
Open House Sat 12-2:30PM Amazing Price! Move-In Ready Custom Family Home. HUGE OverSized LOT.Look no farther than this Beautifully Upgraded 5BED with over 2800 Developed SF. Sunny GRAND ENTRANCE welcomes you home. Unload work in your Spacious Executive Den then breathe in the Gorgeous WIDE-OPEN MAIN with Warm Traditional Finishings. Elegant Kitchen with Custom Cabinets, Trim, and Tons of Counter and Island space. Relaxing Living Room with cozy feature Stone Fireplace. Upstairs offers HUGE Bonus Room flooded with Sunlight and Surround sound. Stunning Master Retreat with Jetted Tub, His and Hers Ensuite and large Walk-in. Kids rooms are large enough to easily fit bunk beds plus whatever else they may want. MORE? Professionally Finished Basement with 2 beds, bath and Rec-Room. Over $45,000 in Builder Upgrades: Custom Kitchen / Lighting / extra Windows / larger Breakfast Nook, oversized Garage, Maintenance free Exterior. Lot inc: Aspen Trees, Two-Tier Garden, Underground Sprinkler RI, Comp Deck and more.
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Sometimes we don't have much choice about selling our home and buying another. Circumstances, such as a job relocation, may have made that choice for us.


However, most often the decision to move is discretionary. Sometimes people move simply because they think it's a good idea. They feel that "now" is the right time to find their next dream home.

So how do you make that kind of decision?


There are, of course, many reasons to make a discretionary move. Usually, those reasons fall into one of two categories: need and want.


 


You may need to find a new home, for example, because you've outgrown your current property. Perhaps you have a growing family and require more space. Maybe you're doing more entertaining and need a larger backyard with a more spacious deck. It could be that the commute to work is arduous and you need to move to a place that's closer.

Those "needs" may motivate you to move, but sometimes a "want" plays an important role, too.


For example, you may want to live in a quieter neighbourhood or in a newly built home that requires less maintenance. Maybe you simply want a change.


If you're thinking of making a move, take a moment to write down a list of your needs and wants. Seeing them on paper will help make the decision easier.


Looking for expert help? Call MyHomeAgent at 403-879-6459 today. 


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Great words written by my friend Greg Habstritt:

 

It amazes me how some people are such victims and whiners about everything negative that happens to them.

Almost every post is about them feeling sick, or exhausted, or angry. They post about every wrong done to them. And worse, they do it in a a passive aggressive, pathetic kind of way.

 

Perhaps the most basic and unbending rule of life is -- you get what you focus on. Period. Yes, you're bringing all that shit upon yourself. Own it. Change it. Expect more for yourself.

 

If you're on my feed and reading this, and feeling at all that perhaps this might be speaking to you, please do one of two things - either start becoming more positive and optimistic, or remove me as a friend.

 

Life is too short to be a victim, and it's way too short to spend your life with them.

 

That is all.

 

 

Here is is what I would add:

 

  • The world is NOT out to get you
  • You become what you think about
  • Stop focusing on what you don’t have and BE GRATEFUL for what you do have
  • Send Love and Blessings to anyone who has something you value - this will start to change your perspective
  • You don’t define others by judging them, you only define yourself as someone who needs to judge

 

Till next time:

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A number of clients are still wondering what is going to happen this year in Calgary Real Estate prices.

 

As we said last week - and now confimed by CREB: prices will be flat this year.

 

CREB actually forecasts a slight price increase (1.58%)  which for all intents and purpose is flat.

 

This means fo not expect prices to chnage anytime soon. 12 months from now we will review again.

 

Download the FULL 2015 CREB FORECAST Below

 

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We have listed an incredible new house for Sale at 137 BAYSIDE PT SW in Airdrie.
Absolutely Immaculate Bayside with over 2400 SF of Family Living on an Oversized Corner Lot. Beautiful Main greats you with Bright Vaulted Entrance ! Gorgeous Cherrywood welcomes you to the Beautiful Wide Open Contemporary Kitchen with centre island and corner pantry. Relax in your Warm Family Room accented with a Feature Fireplace. French Doors lead to a large Office that could be a formal Dining Room. Beautiful Staircase leads to one of the LARGEST Master Rooms you will ever see. WOW-His and Her Ensuite Spa with Jetted Tub and Radiant Skylight. Two Bright Kids Rooms with own Bath and Large Laundry Room eases chore time. MORE? Finished Basement with HUGE bed, perfect 3pc bath and GIANT Rec-Room for your family entertainment. MASSIVE Backyard with so much space for everything - RV Parking, fire-pit, gardening, trampoline - you name it. Amazing Price and Location! Across the street from the Canals and perfect Kids Playground. Quick Walk to Schools. Central AC, Newly Painted and Move In Ready. A MUST SEE!
#YYCRE #MyHomeAgent
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We just Sold another Home at 203 COVEHAVEN GDNS NE in Calgary.
Great Opportunity located in Coventry with over 2000 SF of Family Living on an Oversized Corner Lot. Beautiful Main greats you with Radiant Natural Light and all the Wide open space you are looking for! Large Maple Kitchen with oversized island and corner pantry design. Sit back and relax in your Family Room accented with a built-ins and Fireplace. Never run out of room for extended family and friends with Formal Dining AND feature Breakfast Nook surrounded with impressive window wall and 10 foot ceilings. Main Laundry makes chore-time a breeze. Upstairs is a MASSIVE bonus room for your Family Entertainment, 2 nice sized Childrens Rooms, and large Master with perfect ensuite and walk-on closet. Serene Backyard offers so much space for whatever you want - fire-pit, gardening, trampoline. Amazing Price and Location minutes to Stoney, Deerfoot, Schools, Shopping, Cardel Place - everything!
#YYCRE #SOLD #MyHomeAgent
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Finally a reasonable and rational outlook for Alberta in 2015

  

Todd Hirsch, chief economist at ATB Financial, considers Alberta's prospects in 2015:

 

 
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We have listed an incredible new house for Sale at 146 BRIGHTONWOODS GREEN SE in Calgary.
Looking for that Move-In Ready Custom Family home with a HUGE Lot? Look no farther than this Beautifully Upgraded 5BED Cedarglen build with over 2800 Developed SF. Incredible Grand Entrance welcomes you home. Unload work in your Spacious Executive Den then breathe in the Gorgeous wide-open Main with Warm Traditional Finishings. Elegant Kitchen with Custom Cabinets, Trim, and Tons of Counter and Island space. Relaxing Living Room with cozy feature Stone Fireplace. Upstairs offers HUGE Bonus Room flooded with Sunlight and Surround sound. Stunning Master Retreat with Jetted Tub, His and Hers Ensuite and large Walk-in. Kids rooms are large enough to easily fit bunk beds plus whatever else they may want. MORE? Professionally Finished Basement with 2 beds, bath and Rec-Room. Over $45,000 in Builder Upgrades: Custom Kitchen / Lighting / extra Windows / larger Breakfast Nook, oversized Garage, Maintenance free Exterior. Lot inc: Aspen Trees, Two-Tier Vegetable Garden, Underground Sprinkler RI, Composite Deck
#YYCRE #MyHomeAgent
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