Deakin, Immeubles Deakin Realty

Notre Blogue

New mortgage rules for 2018

Des nouvelles règles hypothécaires pour 2018

Le Bureau du surintendant des institutions financières a publié de nouveaux critères d’admissibilité à un prêt hypothécaire qui entreront en vigueur le 1er janvier 2018. De façon similaire aux règles actuelles sur les prêts assurables, les nouvelles règles visent à protéger les acheteurs et les prêteurs contre le défaut de paiement dans l’éventualité où les taux d’intérêt augmenteraient au fil du temps. Les nouvelles règles s’appliquent aux NOUVEAUX emprunts, mais non aux renouvellements hypothécaires dans la mesure où ils sont effectués auprès de la même institution financière que l’emprunt initial.

En vertu des nouvelles règles, les acheteurs potentiels devront prouver qu’ils peuvent acquitter leurs prêts hypothécaires en utilisant le taux de référence de cinq ans fixé par la Banque du Canada au lieu du taux actuel offert aux clients, ou leur taux contractuel majoré de 2 %, le plus élevé des deux taux étant retenu.

Par exemple, supposez qu’un acheteur gagnant 100 000 $ par année peut emprunter à un taux à court terme de 2,83 % et dispose d’une mise de fonds de 20 %. Cet acheteur pouvait auparavant s’acheter une maison de 727 000 $. En vertu des nouvelles règles, avec un taux de 5 ans de 4,89 %, ce même acheteur peut seulement s’acheter une nouvelle maison coûtant 571 000 $.

Les courtiers chez Immeubles Deakin sont toujours disponibles pour vous aider à analyser l’incidence de ces changements sur vous et votre pouvoir d’achat. De plus, nous avons établi des partenariats avec les meilleurs courtiers hypothécaires dans toutes les grandes banques et ils pourront vous aider à mettre en place votre financement conformément à ce nouveau cadre réglementaire. Alors, n’hésitez surtout pas à communiquer avec nous!

John Palumbo joins the Deakin Realty team!

John Palumbo s'est joint à l'équipe d'Immeubles Deakin

Nous sommes très heureux d'annoncer que le courtier local John Palumbo s'est joint à l'équipe d'Immeubles Deakin!

John intègre plus de 30 ans d’expérience en affaires et un esprit d'entreprise au domaine immobilier. Propriétaire et gestionnaire d’une société de transport et logistique prospère, il a développé de solides connaissances financières et acquis une excellente compréhension des ventes et du marketing de A à Z. Son expérience dans le domaine des investissements immobiliers et de la construction lui donne aussi l’avantage unique de pouvoir conseiller les clients sur la valeur, tout en trouvant des solutions gagnantes sur toute la ligne peu importe la complexité de la transaction. Un gars de la région – John est un membre enthousiaste de la communauté et amateur de yoga et vélo. Il aime montrer aux clients ce que la région du bord du lac a de mieux à offrir. Son dynamisme et sa philosophie « Le client d’abord » font de lui la personne toute désignée pour les Immeubles Deakin.

New Deakin team members!

Deux nouvelles membres de l'Équipe Deakin!

Nous sommes particulièrement fiers d’annoncer que Susan Woods et Rebecca Lewis se sont jointes à l’équipe des Immeubles Deakin.

Susan et Rebecca sont non seulement reconnues pour leur excellente réputation au sein de notre industrie, mais également pour des décennies d’engagement communautaire dans l’Ouest de l’Île. Provenant d’une autre agence immobilière « boutique », elles partagent notre philosophie qui consiste à offrir le plus haut niveau de service et d’intégrité à leurs clients. Nous sommes extrêmement reconnaissants qu’elles aient choisi de travailler avec nous – Bienvenue!

Pointe-Claire Wheels in Motion Committee donation to AQVA

« Rick Hansen Roulons vers demain Pointe-Claire » don à AQVA

Le lancement d'un nouveau voilier Martin 16 a eu lieu, en mémoire de Doug Webb. Un don de 35 000 $ a été remis à l'Association québécoise de voile adaptée (AQVA) par le comité Pointe-Claire Wheels in Motion de la Fondation Rick Hansen, coprésidé par notre propre Nancy Kemp-Deakin. L'AQVA "offre aux personnes handicapées la possibilité de laisser leur fauteuil roulant sur le quai et de découvrir les joies de la voile".

Un grand merci à tous les membres et partisans du comité; Doug Webb (ambassadeur de la Fondation Rick Hansen et cofondateur de la PCWIM), Bill McMurchie (président honoraire, ancien maire de Pointe-Claire), Lucie Fournier (coprésidente), Robin Palin (RPPR), Alison Birss, Michael Dugas, Peter Pickrell (Fleuriste de Westmount), Linda Sheehan et Heather Bisset (Pfizer), James Mousseau (Scotiabank), Steve Payette, Ana To (Action-Medic), Amy Dhindsa, Sam Tilden et Gary Malcom (Ville de Pointe-Claire).

AQVA

You have a way of treating your clients as they are you only client. You always responded within hours of a call. That is what I call great customer service.

Dawn

The Deakin team made our relocation from Halifax a pleasurable experience. Their professionalism and knowledge of the real estate market helped us find the perfect home.

Jason & Shannon

Thanks again for everything you have done to help us through this difficult (more difficult than normal in this case) process, and for your patience with me.

A & M

Thank you for everything John. You have been so dedicated and helpful throughout our journey!

Amanda

I would not consider making a sale or purchase in the West Island without involving Deakin Realty

Gerry

To the Deakin team - thank you for going above and beyond!

Lynda

Thank you for your prompt advice and help. It was nice to feel welcome to call you and have your support.

Eric & Janice

You thought of every detail inside and out - a job well done to you and your team!

Maureen

We really enjoyed working with Ali... we never felt pressured... He listened and respected our priorities... he also looked out for our best interests... Thank you so much for all your help.

Joy & Richard

Thanks for finding our perfect house. We were out of town and trusted you to make an offer without actually seeing the house. Serious trust and you never let us down.

Brian

Jay, you truly could not have handled this tricky sale better and we will sing your praises to everyone we know.

Jen & Dave

Thanks for treating us like family!

The Halls

We are so very appreciative of all your efforts in selling our home and finding a new one. The Deakin Realty family is truly professional.

Kathy & Brian

Thanks for everything, as you can imagine we have every reason to be grateful for your help.

George & Martha

You are a true angel in disguise. We can never express our appreciation for the knowledge, service and kindness you have shown.

Jane & Larry

Jay’s knowledge of the housing market was critical in helping manage the sale of our condo and the purchase of our new home. His practical and helpful recommendations made things easy on both ends.

Rob & Sonia

We would like to thank you so much for all your hard work in finding our first home. Your patience, professionalism, friendship and perseverance was greatly appreciated.

Christina & Kevin

I'm not sure we can ever fully express how much we appreciate all you have helped us with. It has been a stressful time but was made much less so through the referrals you gave us.

Sandee

This is just a quick thank-you for all of your wonderful help in finding our first home. We really appreciated your patience, honesty and attentiveness. You may all rest assured that we will recommend Team Deakin.

Sonjali & Devi

Deakin Realty displayed great professionalism in every aspect of their work and in all cases they made sure the transaction was good for all parties.

Patrick

I appreciated your expertise, competence and advice. These confirmed that my insistence on having you as the sole agent for my property was the right decision.

Clara

I was really worried about finding the "right" person to work with my Mom. Your approach, patience and sense of humour won her over right away, and your follow up has given all of us a lot of comfort through this. Jay, I could not imagine a better fit.

Michael

As a non-profit agency, our survival is linked to those people in our community who have the kind of dedication & commitment shown by Deakin Realty. Keep up the good work.

Amcal Family Services

Thanks for understanding our needs and finding our family a great home! We would highly recommend Deakin Realty to anyone who is interested in buying or selling.

The Brown Family

Thanks again for all your help... attention to detail... sanity checks... moral support... hand holding... i.e. the usual wonderful Nancy Deakin service!!

Sandra & Larry

Your help & professionalism throughout the buying process, and your ‘words of wisdom’ during our selling process have been greatly appreciated.

Sophie & Mark

Thank you very much for all your help in our transactions ... it was a delight working with such a professional!

Patrick Ducharme - Banque Nationale du Canada

Deakin Realty achieved the best possible result: a lease that pleased both landlord and tenant. We were so impressed with Nancy and her team that we asked them to work on another project for our company.

Richard King - Owner – Elm Plaza

Thanks for everything you have done. It has truly been a pleasure selling through you.

Catherine

Thank you for taking care of my mother ‘above and beyond the call of duty’

Kim

Having such a well organized group looking after us made our house hunting trip all the easier…those added touches you do really make all the difference between ‘good’ and ‘the best’.

Laura & Daniel

Nancy, thank you for all your help and invaluable guidance!

Katy & Kevin

Deakin Realty provides their clients with total professional, businesslike, and enthusiastic care. They talk to you. They get results. What more could you look for in a real estate firm?

Walter & Pamela

I just wanted to thank you for making all of this as easy and painless as possible. Your professionalism, initiative, positive attitude and willingness to take time to explain the process made the deal unfold very smoothly.

Bob

Thanks ever so much! It was our lucky day when we met you. You can always count on us as reference for your future clients.

Serguei

Hey John, we really wanted to take the time to properly thank you. You were always there for us, and put alot of time into our home with all the advice and visits. We really appreciate it! You'll always come highly recommended by us.

Jason

Thanks again for all your help with everything! You were fantastic, and Stef and I are thrilled that we were able to have you as our broker.

Matt

Nancy, thank you for all your hard work and patience, and for not giving up on us during this house hunt.

Stefano, Melissa & Zara

We just wanted to thank you so much for all you've done for us over the last year and a half. We always felt like you were sincerely putting our best interests first throughout this entire process.

James et Amanda

You are a marvel as Mom is so very comfortable with you and John. You are stars and much appreciated.

Cydney & Les

Merci beaucoup Nancy pour ton dévouement et ta patience. Nous sommes très heureux d'avoir fait cette très belle acquisition!

Carl

Thank you for your sensitivity and kindness. We also appreciated your level of professionalism and knowledge in the handling of our file.

Bruce & Lillian

Thank you once again for guiding us through this process. Your ability to balance professionalism and the human aspect of this process is top drawer.

Bill

You are incredibly professional even in the throes of an emotional and stressful decision. Thanks for your patience - we are thrilled with our new purchase!

Namta & Sara

Merci pour tout votre support et votre patience!

Donald

Deakin Realty met all of our objectives and helped make our condo project a success. They are proactive, highly professional and capable of adjusting to changing conditions.

Marc-Andre Legault - Developer - Les Cours Sherbrooke

Thanks again for all your help, advice and patience during the purchase process. You really went above and beyond the average real estate broker's duty.

Matt & Anita

We realized that we were dealing with a real estate “advisor” - who not only knows the local market and homeowners themselves, but an individual that thinks outside the box and brings creativity and enthusiasm to a profession that he truly loves.

Mark & Kelly

You are truly awesome. Pointe-Claire is a very lucky place to have you guys at the heart of it.

Katy

Thanks to you and the Deakin team for everything you did for us. We really appreciate working with knowledgeable and experienced business people.

Fred & Lynn

Merci pour tout! Ça a été un vrai plaisir de vendre par votre intermédiaire!

Catherine

You and Jay did everything we asked for and more, and talked me off the ledge more than once. We were so impressed, and we wouldn't hesitate to recommend you to others.

Pamela & Doug

Encore merci pour nous avoir guidés tout au long de ce processus. Vous offrez l'équilibre parfait entre professionnalisme et humanité.

William

We would like to thank you again for helping us find a great home and for all of your advice over the past couple of months. We'll definitely recommend you to our friends...

Christina & Rob

Jay, I know you did a lot of hard negotiating to arrive at a mutually satisfactory solution and we need to congratulate you for that. Thanks for your very significant effort.

Mike & Anna

We appreciate all the efforts, dedication and patience you are putting into finding us a house. Thank you for everything that you are doing for us.

Martin, Natalie & the girls

I couldn't have imagined this going any smoother than it did. Thanks for a well thought out plan and execution.

Marcel & Liz

Thank you for everything you have done. It was a wonderful experience selling my house with your help.

Camille

Thank you for a job well done. We’re both so excited to have clinched the deal of the year in Beaconsfield.

Denise & Gary

Jay, the whole experience dealing with you was efficient, seamless and painless. You are a true professional and a good advisor. I felt I was the only client you were dealing with.

Janice

As a first time buyer, I had a lot of questions and you took the time with me. Not all agents would have done this - I know, since I dealt with others before meeting you.

Dawn

In our business, referrals are important to both the referring party and the receiving side. Thanks so much for a job well done. I hope to refer your family more business.

Peter Blanchard, President - Terramont Real Estate Services

You were understanding, professional and endlessly patient throughout this sometimes challenging process. You went out of your way to make it work out, both for us and for our "perfect" buyer.

Barbara

Ali a été d’une aide précieuse pour nous trouver LA maison qui nous convenait, ainsi que pour nous aider à miser sur les atouts de notre maison pour la vendre au bon prix. Il est à l’écoute des besoins et est d’une grande intégrité.

Andre & Martine

You listened and went far and beyond what any other real estate organization could or would do. We are happy to say that we consider you a friend and look forward to working with you again.

The Adrian Family

Merci d'avoir pris soin de ma mère et ce plus que votre travail ne l'exigeait.

Kim