Marian Bache Real Estate

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Marian Bache Real Estate Real Estate Broker · Royal LePage Your Community Realty · Lifetime Award of Excellence

"Fear kills more dreams than failure ever will"~ Suzy Kassem
09/30/2024

"Fear kills more dreams than failure ever will"

~ Suzy Kassem

Relocating to a new province for a job or education involves more than just packing boxes. From professional movers to t...
09/26/2024

Relocating to a new province for a job or education involves more than just packing boxes. From professional movers to travel and accommodation, costs can add up fast. Here's a breakdown of expenses and tips to help manage your move.

👉 Professional vs. DIY Moving

Professional Movers:
Hiring professionals eases the burden but can be expensive. Movers typically charge based on distance, weight, and additional services.

· Neighbouring provinces: $1,500 - $5,000
· Cross-country: $4,000 - $20,000+

DIY Moving:
A DIY move is more hands-on but cheaper. Truck rental fees vary with size and distance, ranging from $100 to $1,000. Additional costs include:

· Fuel
· Mileage fees
· Packing materials (boxes, tape, bubble wrap)

👉 Travel Expenses
Driving may be practical, especially between neighbouring provinces. Expenses include:

· Fuel: Calculate costs using your vehicle’s efficiency and resources like GasBuddy.
· Accommodation: Budget $80-$150 per night if your drive takes more than a day.
· Food: Estimate daily meal expenses.
Airfare can range from $150 to $600, with additional baggage fees starting at $30. Car rentals upon arrival cost $30-$100 per day.

👉 Temporary Housing
You may need short-term housing before settling in. Options include:

· Airbnb: $50 - $300 per night
· Hotels: $80 - $300+ per night

For extended stays, consider short-term leases, which often include utilities and furnishings, eliminating setup costs.

👉 Administrative and Legal Costs
After moving, update essential documents. Fees may include:

· Driver’s license: $25 - $80
· Vehicle registration: $50 - $100
· Mail forwarding: $78.25 for 4 months or $119.25 for a year

Also, transfer utilities, which may involve connection/disconnection fees.

👉 Budget-Saving Tips

· Gather free boxes from grocery or liquor stores.
· Use towels and blankets to wrap fragile items.
· Maximize space by filling suitcases and laundry baskets.
· Request multiple moving quotes.
· Book flights early for lower rates.
· Stay with friends/family to reduce temporary housing costs.
· Keep all receipts for potential tax deductions.
· Prepare meals to avoid dining out.
· Use travel rewards to offset costs.

𝓢𝓞𝓛𝓓!!!88 CONFEDERATION WAY in An exquisite luxury executive town! 😍
09/20/2024

𝓢𝓞𝓛𝓓!!!

88 CONFEDERATION WAY in

An exquisite luxury executive town! 😍

09/18/2024

Here are some quick tips if you're thinking of selling your home this Fall 🍂

1. Highlight Fall Curb Appeal
Rake leaves regularly and add seasonal decorations like pumpkins and mums to make your home look welcoming.

2. Keep It Cozy
Stage your home with warm inviting touches like throw blankets, candles, and a fire in the fireplace to create a comfortable atmosphere.

3. Maximize Natural Light
With shorter days, make sure your home is well-lit. Open curtains and blinds to let in as much natural light as possible during showings.

Hope these 3 tips help you attract buyers and close the deal!

If you're thinking of selling your home before your mortgage term ends, it's important to understand the potential costs...
09/12/2024

If you're thinking of selling your home before your mortgage term ends, it's important to understand the potential costs. Many homeowners sell due to changes in location or family size, but breaking your mortgage contract can come with significant fees.

▪️ Costs of Breaking the Mortgage Contract
If you have an open mortgage, you can sell without penalties. However, closed mortgages carry penalties like pre-payment fees, which can be substantial. Other fees include administrative, appraisal, reinvestment, and mortgage discharge fees. You might also need to repay any cash-back or line of credit associated with your mortgage, making early selling costly.

▪️ Options for Breaking the Contract
Some lenders offer options like the Blend-and-Extend program, where you combine your old and new mortgage terms, avoiding pre-payment penalties. However, not all lenders provide this option. If not, you'll face penalties but might benefit from lower interest rates on your new home.

▪️ Pros and Cons of Selling Early
Pros: You might secure a lower interest rate, allowing you to pay off your new mortgage faster. Additionally, locking in a lower rate for the new term can save money over time.

Cons: Breaking the mortgage can result in high fees, and you may not qualify for a new mortgage under current economic conditions.

▪️ Penalties and Considerations
Penalties depend on the interest rate differential (IRD) or a standard three months of interest. Pre-payment features may reduce penalties by allowing you to pay down the mortgage balance early. Always request a payoff quote and assess your home equity before selling.

▪️ Gather Information
Review the fine print and consult a mortgage advisor and real estate agent. They can help you navigate the complexities of selling your home before the mortgage term ends. Ensure the benefits of selling outweigh the penalties and fees involved.

Greater Toronto Area (GTA) home sales were down on a year- over-year basis in August 2024. New listings were up slightly...
09/10/2024

Greater Toronto Area (GTA) home sales were down on a year- over-year basis in August 2024. New listings were up slightly over the same period. While the region’s housing market remained well-supplied in August, average home prices only edged slightly lower compared to August 2023.

GTA REALTORS® reported 4,975 home sales through TRREB’s MLS® System in August 2024 – down by 5.3 per cent compared to 5,251 sales reported in August 2023. New listings entered into the MLS® System amounted to 12,547 – up by 1.5 per cent year-over-year. On a seasonally adjusted basis, August sales edged up on a monthly basis compared to July, whereas new listings were down slightly compared to the previous month.

The MLS® Home Price Index Composite benchmark was down by 4.6 per cent year-over-year in August 2024. The average selling price was down by a lesser 0.8 per cent compared to August 2023 to $1,074,425. The different annual rates of change between the MLS® HPI Composite and the average selling price were largely due to an increase in the share of detached home sales compared to last year, impacting the average price. On a seasonally adjusted basis, the average selling price edged lower compared to July.

The third consecutive rate cut was widely expected by economists and brings the central bank’s benchmark interest rate t...
09/04/2024

The third consecutive rate cut was widely expected by economists and brings the central bank’s benchmark interest rate to 4.25 per cent.

The policy rate, which widely sets the cost of borrowing across Canada and informs the rates many Canadians get on mortgages and other loans, has fallen 75 basis points since the easing cycle began in June.

Had the pleasure of working with such a lovely family! Thank you Rick!"My elderly parents had lived in their house over ...
08/30/2024

Had the pleasure of working with such a lovely family! Thank you Rick!

"My elderly parents had lived in their house over 40 years. They were very proud of their home and it was important to them that their property be very well maintained.

Circumstances had recently changed in their lives and we had to sell the family home that they so cherished, I wanted to ensure that maximum dollar value was received as a result of the sale.
My mother knew that Marian Bache had sold many homes in the neighborhood over the last several years. Some of my mother’s friends & neighbors had called Marian to help sell their homes and they highly recommended using her.

After interviewing a number of realtors, both my Mother & I felt very comfortable with her approach to marketing our home. It was a difficult time in my mother’s life and Marian thoroughly understood the importance of treating my mother gently during this process.

Marian’s market analysis thoroughly explained the sales of comparable properties in the neighborhood. We felt very comfortable with her recommendation on pricing our house. She explained how important it was to price the property correctly in the first two weeks of the listing.

She expertly advised us what we needed to do to get the house ready for the sale. She brought in her stager to make the house more attractive to the buyer.

Our home was sold in 7 days and we felt that Marian had positioned the property well in the market place to attract a lot of qualified buyers. She took complete control of handling and networking with all of the agents who showed interest in the property.

She more then met our expectations by achieving top dollar for our house.

I would confidently (highly) recommend Marian Bache to any of my family and friends."

08/28/2024

For Sale in a highly desirable enclave nestled into a prime location yet steps to Yonge street & all amenities!

88 CONFEDERATION WAY, Thornhill

Interested? Contact me to book a showing!

Marian Bache, Broker
416.505.5085
Royal LePage® Your Community Realty

Such a great quote by Will Rogers."Don't let yesterday take up too much of today".
08/23/2024

Such a great quote by Will Rogers.

"Don't let yesterday take up too much of today".

Address

8000 Yonge Street
Toronto, ON
L4J1W3

Telephone

+14165055085

Website

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