The Cindy Russell Team and BCHomeHunters.com are always striving for excellence with our award winning friendly and cutting edge professional service, only a few of the reasons Cindy was the only Real Estate Agent nominated by your White Rock/South Surrey Chamber of Commerce for Excellence in Business Customer Service in 2003. Think about this, someone who bought a home in the Lower Mainland in the last three years has proved to be a more astute investor than the stock market gurus of Bay Street, home of the Toronto Stock Exchange! And our studies have found, in virtually any type of Canadian real estate would have seen their appreciation outstrip most of the TSE equity plays since 2000. Did you know that there is a federal government/bank program that allows first time buyers the ability to purchase a home with 5 per cent down and 5 per cent cash back upon completion of the sale?

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The Cindy Russell Team can show you just how very easy it is to buy your first home with no money down/CMHC 100% financing if your credit history is approved! This option is just one available for first time home buyers in particular and just one of the very many methods that we with our Team of professional mortgage brokers can use to get you what you need now...YOUR OWN HOME at the best possible price! “With losses in the stock market in the past few years, many pension funds, as well as private investors in Canada, have taken some comfort in the diversification offered by their real estate investments,” says Patricia Arsenault, senior vice-president of Clayton Research Associates Ltd., Toronto. Arsenault represents Investment Property Databank in Canada. Canada-wide, returns to direct investment in real estate property have averaged over 10 per cent per year in the past three years. This compares with about eight per cent per year over the past 15 years, compared to about 10 per cent for bonds and equities. As an inflation hedge, however, property has done its job, with real returns averaging just over five per cent per year. Regionally, property investment in British Columbia had underperformed the other three larger provinces in recent years. However, over the longer term, B.C. has been the clear winner, easily recording higher property returns on average than Alberta, Ontario or Quebec. In the past year, the average price of a detached house in Greater Vancouver has increased 12.2 per cent to $339,700, the highest in the country and increasing every day! In Toronto, the typical house price increased nine per cent to $304,800 and, in Montreal, average house prices shot up 19 per cent to $177,000. Across all of Canada, the average house price in October was $233,100, up 12.2 per cent from a year earlier.

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If any stockbroker had that kind of year-to-year performance on their picks, he or she would be a Bay Street star! Of course, buying a house offers advantages not seen in stock market plays. First of all, a buyer can borrow virtually the entire cost of the property at the lowest mortgage rate in 47 years. As well, when the buyer sells the house, the gain in appreciation is tax-free. Other real estate has also been a solid investment. Total returns to property owners are comprised of two components: an income return (based on cash flow) and capital growth of only one per cent. The performance of commercial real estate property returns over the past 15 years is even more impressive when risk is taken into consideration. An analysis of returns in each of the four largest provinces shows British Columbia had the lowest risk in terms of returns, and lower risk means a win/win situation for investors. An examination of the various market segments in each of the four major provinces shows a mixed performance market segment during the past three years, along with the residential rental housing sectors in Alberta and Quebec. Top returns since 2000 went to investors in the Ontario and Quebec industrial real estate markets. Once again, we wish to thank you for your time and only hope you have come to some of the same conclusions as us, Real Estate is "the" solid if not indispensable investment for us all. With the continued explosive growth throughout the lower mainland, the 2010 Olympics, continuing low interest rates, 100% financing and a host of other positive variables, the forecast for Real Estate investing in your area has never been more solid or bright in its forecast. We have all heard the stories of those savvy enough to invest in a property 5-25 years ago and being able to retire on that investment, well take it from us; we have seen that each and every day for years. If you would like to have a solid investment for your future or just to live the dream of owning your own home let your areas #1 Award Winning Real Estate Team assist you! We live and breathe Real Estate!