Iwona Rychalska - Toronto Real Estate

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Iwona Rychalska - Toronto Real Estate

Buying or selling a home is one of the biggest life decisions. Honoured to be part of the journey.

01/26/2024

Getting your home ready for the Spring market? 🌷Here are a few tips to make your property stand out!

⊙ Create an Inviting Atmosphere: Declutter and depersonalize to help buyers see themselves in your space. Aim for a clean, bright, and welcoming environment that captivates from the first step inside.

⊙ Tackle Minor Repairs: Address any broken or outdated elements in your home. Small fixes, like repairing walls or updating fixtures, can enhance appeal without breaking the bank.

⊙ Freshen Up: A fresh coat of paint, a deep clean, and strategic staging can work wonders in showcasing your home in its best light.

⊙ Boost Curb Appeal: Make a great first impression. Maintain a well-kept exterior to impress potential buyers from the moment they arrive. This reflects the care you’ve put into your property.

⊙ Choose Your Realtor Wisely: Trust is key! Find a reliable realtor who offers hands-on support, guiding you through the process with a focus on home preparation.

If you are looking to list your home, feel free to reach out ⬇️ to learn more about our exclusive listing services promotion! 💫

Iwona Rychalska
Realtor®️
Real Estate Negotiation Expert®️
Accredited Buyer’s Representative®️
Royal LePage Estate Realty
📱(416) 455-4529
📧 [email protected]

01/05/2024

Bridge finance is a short-term loan used to cover financial gaps in real estate transactions, such as buying a new property before selling an existing one. It provides temporary funds until the sale of the existing property, usually at higher interest rates due to the short-term and riskier nature of the loan.

Have questions? Let's chat 📲

10/08/2022

Happy Closing Day!
That's a wrap for this gem 🎬 🏠
Quick sale and a quick close - to new beginnings! An honour supporting my Clients reach their goals.

10/04/2022

ᴇɴᴊᴏʏ ᴏᴜʀ ғᴀʟʟ ESTATE ʀᴇᴀʟᴛʏ ᴅɪɢᴇsᴛ
ғɪɴᴅ ғᴀʟʟ ғᴇsᴛɪᴠᴀʟs, ʀᴇɴᴏ ᴛɪᴘs ᴀɴᴅ ᴍᴏʀᴇ ɢᴏ ᴛᴏ ᴛʜᴇ ʟɪɴᴋ
https://indd.adobe.com/view/8ec5753c-2b37-41cb-a03e-7ad39db1da96

09/27/2022

Well that was a productive morning!! HOME INSPECTIONS session - KNOWLEDGE IS POWER.

Taking the time to understand the ins and outs of a firm but fair home inspection. Building blocks to best serve my Clients.

09/13/2022

Although it varies by lender and type of mortgage, a minimum score of 𝟔𝟖𝟎 should give you access to a traditional mortgage.

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐚 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞?
An evaluation of how you maintain and utilize credit, such as credit cards, loans, mortgages, and other credit facilities.

𝐖𝐡𝐚𝐭 𝐟𝐚𝐜𝐭𝐨𝐫𝐬 𝐝𝐞𝐭𝐞𝐫𝐦𝐢𝐧𝐞 𝐚 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞?
① 𝘗𝘢𝘺𝘮𝘦𝘯𝘵 𝘩𝘪𝘴𝘵𝘰𝘳𝘺 – this accounts for 35% of the score and includes making sure you pay your debts on time
② 𝘏𝘰𝘸 𝘺𝘰𝘶 𝘶𝘴𝘦 𝘺𝘰𝘶𝘳 𝘤𝘳𝘦𝘥𝘪𝘵 - avoid charging up to the maximum amount or upper limits of your credit card
③ 𝘏𝘰𝘸 𝘮𝘶𝘤𝘩 𝘤𝘳𝘦𝘥𝘪𝘵 𝘺𝘰𝘶 𝘩𝘢𝘷𝘦 𝘢𝘷𝘢𝘪𝘭𝘢𝘣𝘭𝘦 - having a history of varied credit use, such as a couple of credit cards and a car loan, proves you have a history of making payments.
④ 𝘏𝘰𝘸 𝘭𝘰𝘯𝘨 𝘺𝘰𝘶’𝘷𝘦 𝘩𝘢𝘥 𝘢𝘤𝘤𝘦𝘴𝘴 𝘵𝘰 𝘤𝘳𝘦𝘥𝘪𝘵- as the more time you’ve had credit history, the better.
⑤ 𝘔𝘢𝘬𝘪𝘯𝘨 𝘢𝘯 𝘪𝘯𝘲𝘶𝘪𝘳𝘺 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘤𝘳𝘦𝘥𝘪𝘵 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘴 - this accounts for 10% of your overall score. A lender making an inquiry as part of the mortgage process is not too troublesome, but you may not want to apply for many types of credit all at once.

𝐇𝐨𝐰 𝐜𝐚𝐧 𝐈 𝐢𝐦𝐩𝐫𝐨𝐯𝐞 𝐦𝐲 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞?
〉It can take time to improve your credit. Credit is reported on a month-by-month basis, so it may take a few cycles or more to get a score where you want it to be
〉Speak with a mortgage professional to make a plan and find a solution that meets your needs.

FULL ARTCILE @ https://www.creacafe.ca/credit-scores-what-they-are-and-what-affects-them/

09/06/2022

JUST LISTED 🏙️
1 Scott Street, Unit 401
$649,000
MLS # C5752380

Co-listed with the talented

This is the one you have been waiting for!!! 💫

Prime downtown location, combining the new and the old London On The Esplanade

➔ 1 Bedroom / 1 Locker
➔ Practical layout, spacious rooms, updates throughout
➔ Overlooking tree-filled courtyard – relax in your private oasis
➔ Abundance of fantastic amenities – pool, BBQ, library, gym, theatre ….
➔ Walking distance to tourist & historic attractions, arts & culture, shopping, restaurants and everyday conveniences

08/31/2022

𝐂𝐨𝐦𝐢𝐧𝐠 𝐬𝐨𝐨𝐧!

𝐓𝐡𝐢𝐬 𝐢𝐬 𝐭𝐡𝐞 𝐨𝐧𝐞 𝐲𝐨𝐮’𝐯𝐞 𝐛𝐞𝐞𝐧 𝐰𝐚𝐢𝐭𝐢𝐧𝐠 𝐟𝐨𝐫.

⋄ Exquisite architecture - seamlessly fuses the historic nature of the area with a modern cosmopolitan look
⋄ Situated in the heart of the St Lawrence Market - one of Toronto’s most sought-after neighbourhoods
⋄ Offering unique shopping, restaurants, art & culture experiences at your doorstep

𝐓𝐡𝐢𝐬 𝐨𝐧𝐞 𝐰𝐨𝐧’𝐭 𝐥𝐚𝐬𝐭 𝐥𝐨𝐧𝐠!

08/30/2022

𝐒𝐓𝐀𝐆𝐈𝐍𝐆 𝐃𝐎𝐍𝐄 𝐑𝐈𝐆𝐇𝐓

Staging is the process of preparing a home for sale. The objective is to make a home appealing for the real estate buyer and to showcase the property potential.

𝟏.𝐒𝐭𝐚𝐠𝐢𝐧𝐠 𝐢𝐬 𝐍𝐎𝐓 𝐝𝐞𝐜𝐨𝐫𝐚𝐭𝐢𝐧𝐠
There is a significant difference. Decorating is about your personal style. Staging is about properly merchandising your home so it appeals to the greatest pool of buyers.

𝟐.𝐒𝐭𝐚𝐠𝐞𝐝 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐢𝐞𝐬 𝐬𝐡𝐨𝐰 𝐛𝐞𝐭𝐭𝐞𝐫
They stand out in prospective buyers’ minds and are viewed as well-maintained.

𝟑.𝐒𝐭𝐚𝐠𝐞𝐝 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐢𝐞𝐬 𝐬𝐞𝐥𝐥 𝐟𝐚𝐬𝐭𝐞𝐫
Even in a slow real estate market staging shortens the time between the date of listing until the date of closing. It can also increase the number of offers and selling prices.

SOURCE: REAL ESTATE STAGING ASSOCIATION

08/30/2022

Royal LePage Survey - ʀᴇᴀʟ ᴇꜱᴛᴀᴛᴇ ᴛʀᴇɴᴅꜱ ᴀᴍᴏɴɢ ᴄᴀɴᴀᴅɪᴀɴ ᴍɪʟʟᴇɴɪᴀʟꜱ

https://www.royallepage.ca/en/realestate/news/six-in-ten-non-homeowner-millennials-in-canada-believe-they-will-one-day-own-a-home-but-half-say-they-would-have-to-relocate-royal-lepage-survey/

The release includes insights into the trends and preferences of Canadian millennials as they pertain to home ownership, affordability and remote work.

Key highlights from the release include:

- 72% of millennials in Canada would choose to continue living in their current city or town, if the cost of living was not an issue
- 68% of non-homeowner millennials in Canada say that owning a home is important to them
- Nationally, more than 4 million millennials (51%) say they plan to purchase a home within the next five years

08/30/2022

𝐓𝐑𝐑𝐄𝐁 𝐉𝐮𝐥𝐲 𝐌𝐚𝐫𝐤𝐞𝐭 𝐒𝐭𝐚𝐭𝐬!

𝙊𝙫𝙚𝙧𝙖𝙡𝙡
•Balanced market trend continued throughout July as a result of rapidly increasing mortgage rates impacting affordability or pushing people into a ‘wait and see’ holding pattern
•A decline in home Sales ⇣-47.4% and New Listings ⇣-4.1% (y-o-y)
•The annual rate of price growth has moderated with an Average Selling Price increase of ⇡1.2% (y-o-y) but on a month over month basis it continues to trend down

𝘾𝙤𝙣𝙙𝙤𝙨
•The less expensive market segments, including condos, maintained stronger rates of price growth with an Average Selling Price increase of ⇡6.56% (y-o-y) (*C01 &C08 districts) but also showing a downward price trend month over month

𝙍𝙚𝙜𝙞𝙤𝙣𝙖𝙡 𝙒𝙞𝙣𝙣𝙚𝙧𝙨
•EAST END & THE BEACH is where it’s at!
•Compared to the other areas, these two regions held up the strongest in terms of positive year-over-year Average Sale Price increases ⇡14.61% & ⇡15.32% (respectively)

08/30/2022

An honour to have been part of this important event helping families right in our community. Profiled in our Leading Edge blog. All made possible by the generous contributions of neighbours, family and friends. Thank you!

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Toronto, ON

Website

http://iwonarychalska.royallepage.ca/

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