Coastal Life Realty Ltd : Latest Blog Posts

New property listed in GI Pender Island, Gulf Islands

Fri, 28 May 2010 09:02:53 GMT

I have listed a new property at PRT SEC 19 Corbett RD in PENDER ISLAND.

6.67 Ocean View acres in Historic Hope Bay. Pristine country acreage in the most desirable area on Pender Island. Fruit trees and potential for a vineyard await. 150 foot drilled well @ 5 gallons per minute with a perk test done and beautiful pond. Agriculturally zoned with the potential to build a primary home, guest cottage, and run an agri-tourism business. Seller is a licensed Realtor.

New property listed in Pender Island

Thu, 27 May 2010 09:03:20 GMT

I have listed a new property at PRT SEC 19 Corbett Rd in Pender Island.

See details here

Sandy Mundy

Fri, 21 May 2010 01:35:00 GMT

Coastal Life Realty is pleased to announce that Sandy Mundy has joined the company. Sandy has been a resident of Pender for over 30 years! Her knowledge and experience with rural living and Pender Island in general will be a wonderful asset to her clients. Please look at our Agents Page to find her contact information.

So who's that REALTOR working for anyway?

Fri, 14 May 2010 04:38:00 GMT

So who is the REALTOR® Working for anyway?

Let’s talk Agency – it may not be the most exciting topic but if you are buying or selling Real Estate it is critical that you understand it. Normally when you think of Agency you may think of Insurance Agency or maybe Detective Agency or even Modeling Agency and these are great clues to what Agency means in Real Estate.

Agency is the Buyer or Seller’s Representation. In Real Estate, representation roots from the office known as the “Brokerage”. Although a Seller may have hired a Real Estate Agent to list their property the contract is actually with the Real Estate Office and not with the individual REALTOR® also known as a Representative. In fact if the REALTOR® changed their office it is possible that the contract would stay with the original listing Brokerage.

Now to add one more layer in Agency it is important to realize that because contracts are held with the Brokerage that means that every REALTOR® in that office is representing that Seller, known as the Principal. It is the office that is representing the Seller.

So why is this important for you to know this? This is a key component to understanding Dual Agency when the Buyer and Seller have the same representation.

You need to ask yourself before you plan to Sell or Buy a property. Do you want enter into a Dual Agency relationship or do you want your own representation in negotiations.

These are the guidelines and restrictions to the agency relationship

Expectations of a Regular Agency relationship – having your own representation

1) Undivided loyalty, protecting your negotiating position at all times.

2) Obey lawful instructions

3) Obligation to keep confidence

4) Exercise reasonable care and skill in duties

5) Account for money and property

Limited Dual Agency – when the Buyer and Seller are represented through the same office there are some changes to make sure each party is dealt with fairly and does not have an unfair advantage over another.

1) To deal with you impartially.

2) Duty of disclosure except:

a) The price you or they are willing to pay/accept or other terms you would be willing to agree to that are not already outlaid in the offer to purchase or in the listing.

b) The motivation of either party unless authorization has been given to reveal this.

c) Personal Information about either party unless permission has been given in writing.

3) The Brokerage will disclose the known defects about the physical condition of the property.

You must consent to Limited Dual Agency in writing.

When is it considered Limited Dual Agency?

- When the Buyer and Seller are represented by the same REALTOR®

- When the Buyer and Seller are represented by two different REALTORS® that work in the same office.

- When two or more Buyers are represented by the same REALTOR® and bidding on the same property.

When might it be a benefit to work with Limited Dual Agency?

- It can be a benefit when dealing with a complicated property, sometimes that REALTOR® has done significant research and investigating already and is in the best position to inform both parties of the circumstances and bring two parties together.

- It could be a benefit if either the Buyer or Seller has a unique relationship with the REALTOR® one that would benefit both parties.

So what would happen if you did everything right, you have a long time relationship with a REALTOR® you trust and like working with? You see the perfect property and it happens to be their listing? What happens now?

Well hopefully you have discussed what might happen if this circumstance did come up well in advance but if you did not then it is time to talk about it. There are several options.

1) You could continue to work with your REALTOR® providing the Seller is agreeable to limited Dual Agency. Hopefully you have done your homework and kept informed of property values by studying sales and viewing properties for comparison. Your REALTOR® can still give you a list of comparable properties but they cannot suggest a price that the Seller may be willing to accept.

2) Your REALTOR® can refer you to another agent to represent you. If they do this they will benefit by earning a referral fee (a percentage of the commission). You will have to understand that your REALTOR® will not be representing you or helping you during the transaction.

3) You are welcome to find your own representation for the transaction.

To see the flyer recently mailed out showing an illustration of the process please view the flyer in PDF format. FLYER

Working with a REALTOR® This document will be presented to you by your REALTOR® before every transaction.

American Purchasers

Fri, 14 May 2010 04:30:17 GMT

Please see the attached mail out regarding American Purchasers and mortgages created by Ron Demmers - Mortgage Broker

FLYER (PDF)

Can Americans Qualify for Mortgages for Canadian Property?

Sat, 24 Apr 2010 21:14:42 GMT

Can Americans Qualify for Mortgages for Canadian Property?

Yes.

Finally there is a program that allows American residents to purchase or refinance Canadian properties by using their U.S. tax returns and U.S. Credit bureaus.

U.S purchasers of either primary or secondary residences may borrow up to80% of the value of their home.

Qualification is based on the same debt servicing and credit score requirements as Canadian purchasers. These U.S. clients will benefit from the same low fixed and variable rates now available to Canadian buyers. As of April 24^th 2010 the 5 year fixed rate for this program is 4.6% and the variable rate is prime minus .40% ( presently 1.85% ). Purchasers must demonstrate the income required to cover U.S. and new Canadian debt.

American borrowers will need to provide two years of their Form 1040 and W2. A U.S credit bureau report will also be required.

If you are interested in this program, please call Ron Demmers, Mortgage Broker, toll free at 1-877-925-9079

Disclaimer: Coastal Life Realty Ltd. or Charmaine Harris has provided this information as a convenience to readers and does not accept any liability for the actions of Ron Demmers or Verico Paragon Morgage Group.

Why would I use a mortgage broker over my own bank?

Fri, 09 Apr 2010 02:48:48 GMT

Why would I use a mortgage broker over my own bank?

It might make sense to use your own bank instead of a broker, but you won’t know unless you shop around.

Mortgage brokers are professional mortgage shoppers.

1) They are in touch with dozens of lenders and can tell you in short order what the most competitive rates are.

2) They can tell you if your lender or bank lends mortgages in your area.

3) Different lenders lend for different purposes and to different clients. For instance, if you are self employed, some lenders will treat you more favorably than others.

4) Many loans officers at branch level are just getting started in their careers and they are not as familiar with the mortgage process as a seasoned mortgage broker. For instance, many lenders have leeway in what documentation is required such as income confirmation and property appraisals. Mortgage brokers know which documents are essential to the lenders and which aren’t. This can save you time and headache.

5) Brokers only get paid if they get you what you need. In almost all instances, there is no cost to you. If there is going to be a cost, it must be clearly be spelled out in advance. Because a broker gets paid when the job gets done, they answer their phone in the evenings and on the weekends.

6) In some instances, a broker will not be able to beat your bank. A good broker will let you know. Let a broker find you the best deal they can and compare it to your bank. You have nothing to lose and a lot to gain.

For more information, call Ron Demmers anytime at 1-877-925-9079

Interest rates went up

Wed, 31 Mar 2010 22:22:57 GMT

Should you be concerned about the increase of Mortgage rates?

If you saw the news yesterday you might be feeling a bit of a panic. It seems that anytime they can run with a ball they will. I am not going to give you any recommendations on if you should lock in your mortgage now or hang tight. I also won’t promise that rates will continue to go up or down. If we all knew those answers we would have clear idea of where to go from here.

What I will tell you is that if you are shopping for a new mortgage or you have a variable interest rate on your current mortgage there are two things you should do:

1) Ask your lender to provide a rate guarantee for you.

Depending on the lender they will hold for 30 - 120 days with the norm being 90 days.

This will ensure you can get the possible interest rate available to you. If the interest rates increase then you will get the guaranteed interest rate, if they go down you will get the lowest of the two.

2) Discuss with your lender the benefits and risks of different types of mortgages.

If you have your lender hold a rate for you it will eliminate panic and those knee jerk decisions. You will buy the time you need to evaluate your current situation, watch the market and find out how the different types of mortgages will affect you. Once you feel you have all the information you need you will be ready to make a decision.

Why are there less available rentals in the summer months?

Wed, 31 Mar 2010 19:44:40 GMT

Why are there less available rentals in the summer months?

The Pender Island rental market definitely has some seasonal trends. It can be very difficult to find available rentals during the summer months. Most people secure their rentals in the spring if they plan to be here in the summer.

There are a few reasons why there are less available rentals on Pender in the summer...

Many people that have second homes here like to use their homes in the summer months so if they have been renting their home during the off season these renters now need to find a new home. Some of these renters can be at an advantage because they are already on Island and will be able to network to increase their odds of finding a place.

The next reason there is a shortage is because the summer months bring increased employment. Many people come to Pender and just stay for the summer while they are working. The increased amount of renters decreases the available inventory.

Another factor that has an impact on the Pender rental market is the Pender real estate market. We have a lot of visitors in the summer so this is a time that home sellers take advantage of. Renters of these properties either decide to find a new place to live because of the uncertainty of their future living arrangement or the home they are living in sells and they are forced to find a new home.

There are home owners that rent their homes out only for the summer months, they do so because they feel they can get a premium rate during this time. We used to have a lot of weekly rentals, they are not permitted in the North Pender bylaws but they still are present in our market. These home owners can receive the same rent in one week that they would normally receive for an entire month during the off season. South Pender does permit weekly rentals.

My advice to those needing to come to Pender during the summer months - plan ahead, try to secure your rental property before May.

My advice to those wanting to move to Pender Island but have the freedom to choose when - consider moving in the fall when there can be more inventory and more variety is available to suit your needs. You may also get a better rent for the off season if the home owners use their property in the Summer. In turn you will be able to experience Island life and determine if it is right for you. With this arrangement you will also have several months to secure a new property that ideally suits your needs.

Charmaine Harris
Managing Broker & Owner
Coastal Life Realty Ltd.
Licensed for real estate sales and property management

Specializing in Pender Island properties
Direct:             (250) 629-9998
Cell:                 (250) 539-0656
Toll Free          (866) 329-9998
Fax:                 (250) 629-6877
http://www.coastalliferealty.ca

First Time Buyer?

Thu, 11 Mar 2010 17:39:04 GMT

First Time Buyer?

Wondering where you should start?

To see the flyer sent out click here

PERSONAL ASSESSMENT

Look at your current situation. Are you paying rent now? Are you employed and earning an income? Yes to both these questions is the first step.

FINANCING

The next step would be to find someone who can help assess your current financial situation. You need to understand the boundaries of your financing. An import factor in borrowing money is the rate of interest you will pay. One of the functions of a Mortgage Broker is to shop around for the best interest rate for you.

Sometimes we have a credit history that follows us and puts us at a disadvantage but no worries a good Mortgage Broker can help you address those and iron out the kinks until you are ready to make a purchase. For that reason you should contact someone about your financing as a first priority.

Another advantage to having a Mortgage Assessment in advance is that part of their service will be to hold interest rates for you so that if interest rates should increase they can still honour that held rate. If the rates go down you will get the lowest rate available to you.

FIND A REALTOR®

Find a REALTOR® that you can relate to and one that understands your needs. They will assist you in finding a property, help you to compare properties, share valuable market information with you including recent sales activity. They will also assist you with determining the necessary subjects to include in your offer and help explain the contract to you. A REALTOR® is there to help you with your purchase and will be negotiating on your behalf.

It is a benefit to have a REALTOR® that sees a variety of properties with you getting to know your likes and dislikes and the things that are important to you. They can alert you to opportunities you may not have been aware of.

I would be happy to meet with you and discuss how I can help you. I like to use the philosophy that I give my clients the same advice and information that I would if you were my Mother, Brother of Grandparent. I believe in being open and honest and feel that this is the best way for us to work together.

EDUCATE YOURSELF ON THE MARKET

Start studying the listings in the area you would like to purchase. It is not enough to watch them as they list at www.realtor.ca. I can set you up in a database that will help you to see new listings before they appear on realtor.ca. This online system will allow you to sort your favourites and watch specific listings. The system will also notify you of price changes as well as what properties actually sell for - probably the most useful information. This information is not available on realtor.ca.

Through this process you can become a knowledgeable and educated buyer which will help you to become more confident in the decisions you make.

START VIEWING PROPERTIES

Start viewing listings. All the MLS photos and virtual tours are no replacement for physically seeing a property.

The house may be fabulous - everything you ever dreamed of and shortly after you arrive you realize it is right beside a noisy generator powered building running 24 hours a day (not likely on Pender!!!!).

The surroundings of the property will also be an important part of your purchase – do you want to have a garden, is there enough sunshine? Does the property you want have a view, are you in control of that view? This can work in the reverse too, perhaps a property is filled with knickknacks and shelves of things or poor taste in décor and paint colour, it could be difficult to get a great picture of the property but if you remove all that and change the paint it might be a gem in disguise.

My point is the importance of viewing properties and recognizing market value.

Learn about the opportunities for first time buyers

You may want to seek an accountant’s advice on this too…

Learn about the first time buyer tax credits

http://www.cra-arc.gc.ca/gncy/bdgt/2009/fqhbtc-eng.html

Learn how you can borrow against your RRSPS

http://www.cra-arc.gc.ca/gncy/bdgt/2009/fqhmbyrspln-eng.html

BC First time home buyer property transfer credit

http://www.sbr.gov.bc.ca/individuals/Property_Taxes/Property_Transfer_Tax/first_Time_home_buyer.htm

Understand the expenses associated with buying a home

It is expected that come July 2010 HST (Harmonized Sales Tax) will apply to these costs. Currently GST (5%) is charged and when converted to HST the new rate will be 12%.

Some costs you may incur as a buyer are:

The lawyer's fees

Building inspection and survey costs

Title insurance

Property appraisal

Property transfer tax

http://www.sbr.gov.bc.ca/individuals/Property_Taxes/Property_Transfer_Tax/tax_rates.htm

CHMC insurance

http://www.cmhc.ca/en/co/moloin/moloin_005.cfm

PUT IN AN OFFER – BUY A HOME

The next step is to put in an offer on a home. This can be a somewhat emotional time and your REALTOR® will help you during this time. Negotiations don't always turn out the way you had hoped or expected and at times you can be disappointed. It is important not to get to emotionally involved with your negotiation and not take it personally. If it is the right fit things will work out and if not you may need to continue your search.

START BUILDING EQUITY

Now that you have made your first purchase you can begin building equity. Start by keeping up with the regular maintenance on your home. Over time you may wish to make some improvements which can improve the value. The market can fluctuate over time, at times the value may increase and at times the market may fall. If you are prepared to make a long term goal you can be building equity. When you are paying rent you never receive a penny of that money back again.

First Time Buyers - Mortgage Info

Mon, 08 Mar 2010 22:07:45 GMT

Buying a house on the Gulf Islands may be easier than you think.
Get started with Ron Demmers, your Gulf Island Mortgage Broker.

With a purchase price of $225,000, a down payment of 5% ( $ 11,250 ),
your mortgage payment with a 5 year fixed rate of 3.89% and based on an amortization period of 35 years, would be $958.
With property taxes estimated at $100 per month, your monthly payment is only $1058.
In order to qualify for this payment you will need an income
of $36,000 per year. If you are buying with a friend or spouse, that is only $18,000 each.
Based on $10 per hour 40 hours a week, 48 weeks a year you make $19,200.
So it is truly possible!! ( other condition may apply )

How do you get started?

Knowing how much you can afford is a very important part of your home buying decision.
An experienced mortgage broker can quickly help you find out how much you can borrow.
In many cases, you will want to borrow less than you actually qualify for.
Start by deciding how much you want to spend each month.
Most first time buyers will use their present rent as a guide.
Owning your own home also involves the added expenses of home ownership such as maintenance.
Before owning a home, it is easy to spend money on impulse purchases.
Owning a home can involve focusing more of your financial resources on where you live.
For most people, buying their first home is the beginning of building their future.
Don’t let the complexity of buying a home stop you from getting on the road to a bright future.

When do I get started?

Buying a house is a big step to take.
Although it is possible to learn what you need to learn to buy a home in a matter of weeks, it is never too early to start learning about what is involved in the process of buying a home.
A patient broker can start by helping you understand what things cost, how much money you need for a down payment, and what the risks and rewards are for fixed or variable rate mortgages.
There is a lot to learn. Starting early and asking questions often ( and sometimes repeatedly) is the best way to ensure that you have the smoothest buying experience possible.

Should I use a mortgage broker?

A mortgage broker is a trained professional.
As brokers, they have access to many lenders and in most instances can get you a better interest rate.
In addition, an experienced broker can sometimes provide you a better borrowing experience, as they have often been in the industry longer than junior people at lender branch level.
Mortgage brokers are paid by the lender, not by you, so you have the guidance of an experience shopper working on your behalf at no extra expense.
As a first time buyer, you will need to be apprised of current programs available to help you buy your first home.

Is working with a mortgage broker confidential?

There are strict laws protecting the clients of a mortgage broker.
A broker is not allowed to share your information with anyone, including your Realtor without your express permission.
With a good broker, you will have a safe and beneficial place to discuss your questions and concerns, from the start to the finish of your home buying experience.

What if I have bad credit?

The first thing to do is fill out a credit application and have your credit bureau checked.
A mortgage broker will not send your information to any lender without your permission.
This allows you the chance to review your credit file and decide how and when to proceed.
The best way to start repairing your credit is to know exactly what is outstanding.
An experienced mortgage broker can review all your options and put you in contact with the best agencies to help you repair your credit.
With a little patience, it is possible to repair a lot of credit problems and get on the road to home ownership.

No charge consultation.

Different people need answers to different questions.
All questions are good questions.
It’s your future.
Ask how you can start building it now.
If you would like to begin to understand what is involved in buying your first home on the Gulf Islands please call or email Ron Demmers anytime.

Disclaimer: Coastal Life Realty or Charmaine Harris has provided this information as a convenience to readers and does not accept any liability for the actions of Ron Demmers or Ambro & Associates.

Do you still have snow in March?

Mon, 08 Mar 2010 20:08:45 GMT

Does your first week in March look like this?

or does it look like this?

Both these photos were taken in the first week of March, one in Alberta (snow) and one taken on Pender Island. Starting in February we have flowers blooming. The daffodils are out, some tulips, this beautiful Camellia bush.

Pender Island enjoys a mild climate all year round. We rarely have snow and if we do it only lasts a day or maybe if really cold a week but this is fairly unusual. It most cases if it snows it melts the same day or does not stick at all. Protected in a rain shadow we receive about a third of the rain as Vancouver.

You can grow all kinds of fruit trees - apples, pears, plums, peaches, kiwis, grapes etc.

A week ago I enjoyed watching a group of threes swans along with some ducks and a Heron in Hope Bay. On Valentine's Day my daughter went swimming in the ocean with a wet suit.

I have sold a property at 36111 Galleon WAY in PENDER ISLAND

Thu, 04 Mar 2010 10:09:39 GMT

I have sold a property at 36111 Galleon WAY in PENDER ISLAND.

See details here

Discover Lakefront Serenity. This 3 bedroom home on Buck Lake can compliment full time island living or be that special place for R&R. Privacy with sunny SW exposure. Enjoy the expanded kitchen with large skylight and lake view. The Master bedroom located on the main floor boasts a private lake view sitting room. An above ground basement with windows and private entrance makes a handy workshop or ideal studio space, complete with a small bathroom. Since 2004 this house has been given a new roof, new windows, new flooring and new decking. This property is located in Magic Lakes Estates where there are plenty of walking trails, disc golf, tennis courts and discounted moorage for home owners. Its time to jump off the dock and into the lake!

New property listed in GI Pender Island, Gulf Islands

Mon, 22 Feb 2010 10:12:33 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

One acre of sun soaked oceanfront in the beautiful Southern Gulf Islands. Tranquil setting with vast panoramic ocean views. Take a seaplane, ferry or sail to Pender Island and leave the world behind you. Dine with friends, visit local Artisans or spend Saturday mornings at the Farmer?s market. You will have to share with local residents though ? whales, eagles, sea otters, seals and deer. You?ll wake up on top of the world in this spacious master bedroom suite with private deck, sitting area and full ensuite bath. Ocean view decks on every level of this home as well as a cliffside hot tub privately tucked away. For your convenience there is a full 1 bedroom +den ocean view in-law suite or nanny suite with private entrance at garden level.

2010 Winter Olympics - Vancouver

Mon, 15 Feb 2010 06:41:27 GMT

2010 Winter Olympics in Vancouver

The Winter Olympics is hosted by the City of Vancouver in British Columbia, Canada. Vancouver is a neighbouring city to Pender Island. There is ferry service from Pender to Vancouver.

Friday February 12th was the opening ceremonies for the Olympic Games. Excitement was building in the morning while watching the torch relay throughout the city. It was particularly touching to see Terry Fox's father run his stretch towards Stanley Park, a journey his son once took to bring awareness to cancer. Later that day we had a wind storm that took our power out at about 2 pm and luckily our power returned by about 6 pm just in time to watch the opening ceremonies.

As I watched the athletes enter the stadium I noticed our broadcast showed the population of each country and how many athletes were attending from that country. It was surprised to see small numbers from some countries ranging from 1-6 athletes. I thought of how great it was that they could represent their country but also about the pressure they must feel being their sole representative. When Canada entered the stadium it was amazing to see the crowd's response. I could not help but feel the pride of our athletes at that time.

The show began with introduction of first nations from across Canada. The energy was fantastic and the costumes were colourful and impressive. I loved to see that giant drum in the centre. It spoke Canada. Next we saw Nelly Furtado and Bryan Adams singing a tribute song and a fantastic projection/light show showing the history of Canada. I was particularly mesmerized by the image of whales crossing the stadium floor. I am sure it was quite magical to witness in person. I won't go through all the details of the show which concluded with Gretzky lighting the outdoor cauldron. I am sure there is a lot of information on line about the opening ceremony.

On Pender we have a special energy around the Olympics. The school here starting fundraising a couple years ago preparing for a school field trip where every student would have the opportunity to see an Olympic event. Over several days groups of students will travel together to see one Olympic event. Parents will assist in chaperoning. My daughter's class is attending men's hockey. Others are attending women's hockey, curling, snowboarding etc. The events were carefully chosen so that students could return the same day. Those attending curling had the privilege of a hands on lesson in curling prior to attending the event. I would think we are the only school in BC that planned for the entire school to attend the Olympics. The fundraising also included additional funds for a large screen TV for the school to watch the events. The last couple years preparing for the event has given a special sense of school spirit, a focus on sport, determination and accomplishment. This is one of the small benefits of living in a small community.

We will continue to cheer on our athletes over the next couple weeks celebrating with them and acknowledging their strength and dedication to achieve their goals and represent our country.

New property listed in GI Pender Island, Gulf Islands

Sat, 30 Jan 2010 10:09:32 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

Excellent Potential at this price and a Great location! Magic Lake, Thieves Bay Marina & The Disc Golf Course all within a short walking distance. Tennis courts, The Park and playground are across the street! This home is situated on .49 acre lot that is very level and usable in the front with nice treed views in the back! In addition the two neighbouring homes on each side are very nice. The owner has made improvements but is looking for someone to purchase and finish the job. Currently Assessed at $245,000. It?s an opportunity!

New property listed in GI Pender Island, Gulf Islands

Wed, 09 Dec 2009 10:05:06 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

Sweat Equity! This home has potential, it has some very nice features but it needs your TLC. While in the living room you will drawn to a span of windows which are over 15 feet long and the full height of the room, it will feel like you are in a private tree house perched on a rock looking out at a diverse woodland. There are 2 bedrooms upstairs and a large room downstairs which could be used for a bedroom, rec room, in-law suite or home business. There is a separate entrance for this level guided by a aged stone staircase just waiting to be revealed again. This is one house that is not short on storage. All the bedrooms have deep walk in closets. Outside there is a small greenhouse and shed. Really? a must see!

New property listed in GI Pender Island, Gulf Islands

Tue, 08 Dec 2009 10:05:49 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

New property listed in GI Pender Island, Gulf Islands

Fri, 04 Dec 2009 10:06:42 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

Detail! Detail! An Artistically designed stylish home with classic old-world accents of stained glass, French doors, exposed beans on vaulted ceilings and unique Dutch door. Modern maple flooring, custom made kitchen with stainless steel counter. A Sunny and Bright home with enormous skylights. The Master bedrm is a personal retreat with a private ocean view patio, an open ensuite bath with deep soaker tub, twin closets and a radiant stained glass headboard. Additionally is a one bedrm in-law suite with a private veranda at garden level. This suite echoes the exquisite attention to detail shown throughout the home. The front garden is fully fenced and has a blend of fruit trees and both natural and planted foliage. Assumable 2.9% mortgage.

New property listed in GI Pender Island, Gulf Islands

Sun, 27 Sep 2009 09:05:53 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

New property listed in GI Pender Island, Gulf Islands

Fri, 25 Sep 2009 09:05:01 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

New property listed in GI Pender Island, Gulf Islands

Tue, 22 Sep 2009 09:05:19 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

I have sold a property at GI Pender Island, Gulf Islands

Sun, 02 Aug 2009 09:07:44 GMT

I have sold a property at GI Pender Island, Gulf Islands.

See details here

A must see! Adorable home in the Magic Lake area is ready for you to make this your own secret garden! With three bedrooms this home is suitable for recreational use or full time living. It has both - character and style with wood floors in the main living area, an updated open kitchen and vaulted ceilings. There are lots of windows and lots of light with Southern exposure. One bedroom on the main floor and two smaller twin rooms on the upper level which could be possibly merged into one larger room. A fully fenced yard makes this a beautiful and private setting. It backs on to the park and is about a 5-10 min walk to nearby trails, disc golf park and magic lake.

HST - Harmonized Sales Tax

Tue, 28 Jul 2009 19:57:25 GMT

Harmonized Sales Tax
On July 23, 2009, Premier Gordon Campbell and Finance Minister Colin Hansen announced that, effective July 1, 2010, BC will adopt a Harmonized Sales Tax (HST), combining the seven per cent Provincial Sales Tax (PST) with the five per cent federal Goods and Services Tax (GST) for a single sales tax rate of 12 per cent.

An additional seven per cent tax will be charged on a variety of real estate related services, including commissions, appraisals and other services that are currently exempt, as well as adding thousands of dollars in additional costs to new home purchases.

Looking to offset the increase in costs, the Government of BC plans to offer a partial rebate of the provincial portion of the HST for new housing to ensure that new homes up to $400,000 will bear no more tax than under the current PST system, while homes above $400,000 will receive a flat rebate of about $20,000.

What does this mean for REALTORS®?
As proposed, the HST will increase the cost of buying or selling a home and becomes essentially an additional tax on home ownership. Under the HST, REALTOR® commissions will be subject to a 12 per cent tax, replacing the five per cent GST now charged.

New home sales over $400,000 will be dramatically impacted, as buyers will now have to pay an additional seven per cent tax (even with the $20,000 flat rebate). This will act as a disincentive to buyers of new homes in the short term.

Next steps
Although no consultation occurred before the announcement, BCREA is working on recommendations to keep the impact of the HST as neutral as possible with respect to housing attainability. BCREA President John Tillie is preparing an opinion editorial for publication in the Vancouver Sun on Wednesday, July 29.

More information will be available once the BCREA Board of Directors, staff and member boards have had a chance to review and analyze potential strategies.

BCREA makes no guarantees as to the accuracy or completeness of this information.

I have sold a property at GI Pender Island, Gulf Islands

Sun, 26 Jul 2009 09:07:34 GMT

I have sold a property at GI Pender Island, Gulf Islands.

See details here

Tell your friends you are going to the cottage on Pender Island! Enjoy this cute 2 bedroom getaway on .40 of an acre with your family and friends. Situated on a large corner lot in Magic Lake Estates it feels like you are getting two lots for the price of one, a large portion of the property is fully wooded and has southern exposure. Featuring 2 good size bedrooms, an open layout with wood accents including the living room and kitchen ceiling, a wood stove for those cozy winter nights. Centrally located for year round recreation - The Disk Park, walking trails and Magic Lake are all a 5-10 min walk away. Bordering a park makes the tennis courts a stone's throw away. Tie up your boat at Thieves Bay, the Marina for Magic Lake Property Owners.

New property listed in GI Pender Island, Gulf Islands

Thu, 28 May 2009 09:07:24 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

New property listed in GI Pender Island, Gulf Islands

Fri, 15 May 2009 09:36:53 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

New property listed in GI Pender Island, Gulf Islands

Tue, 18 Nov 2008 10:31:43 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

Below assessed value! Cute 2 bedroom, 2 bath rancher on a sunny 1.52 acres in the Clam Bay area. Home has new flooring, French doors and a wood stove for those cozy winter nights. Property features a fenced in garden area, small orchard, generous backyard space and forested areas. Separate workshop/studio building and a large wood shed. There is a walking trail through the trees that circles a large backyard pond. Currently used as a small hobby farm. 5 min walk to Bricky Bay or 15 min to Hope Bay.

New property listed in GI Pender Island, Gulf Islands

Tue, 18 Nov 2008 10:31:43 GMT

I have listed a new property at GI Pender Island, Gulf Islands.

See details here

Fantastic Oceanfront Acerage - Great Value in Tyndalwood Estates. A private paradise on 5.96 acres with panoramic ocean vistas & over $300K improvements including 2000 sq ft natual wood quality built character home, doule 200 AMP service, 20 GPM well, organix gardens & more. Central addition awaits your finishing touches. Motivated sellers have drastically reduced to below appraised & assessed value for quick sale. Don't miss this opportunity!

I have sold a property at GI Pender Island, Gulf Islands

Tue, 18 Nov 2008 10:31:42 GMT

I have sold a property at GI Pender Island, Gulf Islands.

See details here

Amazing opportunity! Half an acre right on Magic lake. The setting is beautiful, a mature lot that boasts privacy and a view of the deeper part of the lake. This home has only been owned by one family since it was built. There are spacious rooms, large windows and a layout that allows living on the main level. Single car garage and carport. This house is due for some updating and waiting for you to make it your own. Enjoy your own secret garden with tiered flowerbeds down to the lakefront. It's a Must see!

I have sold a property at GI Pender Island, Gulf Islands

Tue, 18 Nov 2008 10:31:42 GMT

I have sold a property at GI Pender Island, Gulf Islands.

See details here

B&B anyone? Take advantage of this rare opportunity! This 5 bedroom home is well maintained and newly renovated. Situated in a very quiet, tranquil area you will enjoy your views of Mayne island, gorgeous sunrises and a variety of wildlife. Go beach combing or kayaking right from your back door. There is a double car garage, complete with work bench so that you can store your boat and those tools. New owners having the option of operating this successful B&B. Call for more info, we can't fit it all in!

I have sold a property at GI Pender Island, Gulf Islands

Tue, 18 Nov 2008 10:31:42 GMT

I have sold a property at GI Pender Island, Gulf Islands.

See details here

Panoramic ocean and mountain view home on 2.32 acres. South-facing 3 bed, 2 bath home located on quiet private lane in desirable Harbour Hills area. Large deck with hot tub. Master- suite with ensuite, French doors to balcony with beautiful views and private sitting area. Permit open to build guest cabin. Large 600 sqft workshop ideal for home-based business. Ocean view walk to Driftwood Centre or hike along scenic bluffs to Hope Bay via trails through Winery & National Park

New property listed in Pender Island, Gulf Islands

Tue, 18 Nov 2008 10:31:42 GMT

I have listed a new property at NO NUMBER Gowlland Point Rd in PENDER ISLAND.

See details here

Beautiful 2 acre lot on Gowlland Point Road on South Pender. Sunny Southern exposure creates an open woodland feeling. Multiple options for building sites, making this your own design from the start. Be greeted by the majestic maple tree at the road side, ideal for property entry. The lot is situated in a very desirable location with a National Park across the road, Craddock Beach and the S.lands Drive/Tilly Point viewpoint trail a short distance away. The marina at Bedwell Harbour within walking distance.

New property listed in Pender Island, Gulf Islands

Tue, 18 Nov 2008 10:31:42 GMT

I have listed a new property at 5567 Hooson Rd in PENDER ISLAND.

See details here

New property listed in Pender Island, Gulf Islands

Tue, 18 Nov 2008 10:31:42 GMT

I have listed a new property at 3218 Clam Bay Rd in PENDER ISLAND.

See details here

I have sold a property at 4868 Pirates Rd in PENDER ISLAND

Tue, 18 Nov 2008 10:31:41 GMT

I have sold a property at 4868 Pirates Rd in PENDER ISLAND.

See details here

I have sold a property at 3226 Tracy Rd in PENDER ISLAND

Tue, 18 Nov 2008 10:31:41 GMT

I have sold a property at 3226 Tracy Rd in PENDER ISLAND.

See details here

I have sold a property at 6616 Harbour Hill Dr in PENDER ISLAND

Tue, 18 Nov 2008 10:31:41 GMT

I have sold a property at 6616 Harbour Hill Dr in PENDER ISLAND.

See details here

Church Information for Pender Island

Mon, 15 Sep 2008 00:34:07 GMT

Pender Island Church Information:

Pender Island United Community Church,

Interdenominational

Location:

Located next to the library and New-To-Yu

4405 Bedwell Harbour Road. North Pender Island

Services:

Sunday worship services are at 10:00 am July – August

Sunday worship services are at 10:45 am Sept – June

Tuesday afternoons there is Bible Study at the Church.

Every second Sunday is a Communion Service.

There is usually Sunday School for children during the service. Call to be sure.

General Information:

There is no full time pastor for this church, they have guest speakers each week. Look in the Pender Post or the Community Cable Channel for the list of upcoming speakers.

Contact Information:

Call Helen Allison for more information (250) 629-3527

Call Keith Pincott for more information about Bible Study (250) 629-6797

Parish of Pender and Saturna Islands,

Anglican Church of Canada

Two churches on Pender with multiple services

Locations:

Located between the Inn on Pender and the Driftwood Centre

4703 Canal Road. North Pender Island – (St. Peter’s)

Located right next to Poets Cove Resort

Gowlland Point Road on South Pender Island – (Good Sheppard)

Services:

They offer two Sunday services on North Pender and one service on South Pender.

St. Peter’s has a circle service at 9:00 am on Sundays – Contemporary Service

This is a casual service, held in the church hall. Chairs are placed in a circle, songs are put on the overhead projector. It is a Eucharist service where each participant serves the next.

St. Peter’s has a traditional service at 11:00 am on Sundays – Traditional Service

This is a traditional service held in the church.

Good Sheppard’s service on South Pender is held at 4:00 pm on Sundays.

Contact Information:

The Rector for these services is The Reverend Walter Donald

Church office hours are Tuesdays and Thursdays 9:30 am – 11:30 am

Church office (250) 629-3634

Hall Bookings Anna Knister (250) 629-3816

Our Lady of Grace Mission/Chapel of St. Teresa,

Roman Catholic Church

Location:

Located by Magic Lake across from the Danny Martin Ball Park

4705 Buccaneers Road

Services:

For each Sunday of each month – this is the schedule

First & Third Sunday 12:30 pm Eucharist, Father Anthony Divinagracia, celebrant

Second & fifth Sunday 10:00 am Liturgy of the Word with Communion

Forth Sunday 10:00 am Eucharist, Father John Smith, celebrant

Contact Information:

Mary Adele Mulligan (250) 629-3141

Michael Doyle (250) 629-3862

Accommodation on Pender Island

Wed, 21 May 2008 18:42:41 GMT

Pender Island Accommodations

For your convenience I have provided

some links for accommodations on Pender Island.

Arcadia-By-The-Sea

(250) 629-3221 (877) 470-8439

http://www.arcadiabythesea.com

Delia’s Shangri-la Oceanfront B&B

(250) 629-3808 (877) 629-2800

http://www.penderislandshangrila.com

Eatenton House B&B
(250) 629-8355 (888) 780-9994
http://www.penderislands.com

Ferndale on Pender B&B

(250) 629-6810

Gnome’s Hollow B&B

(250) 629-3844

http://www.gnomeshollow.com

Hummingbird Hollow

(250) 629-6392

http://www.hummingbirdhollowpender.com

Inn on Pender Island

(250) 629-3353   Fax: (250) 629-3167   (800) 550-0172

http://www.innonpender.com

Oceanside Inn

(250) 629-6691   (800) 601-3284

http://www.penderisland.com

Poets Cove Resort and Spa

(250) 629-2100   (888) 512-7638

http://www.poetscove.com

Sahhali Luxury B&B

(250) 629-3756   (888) 724-4254

http://pender-island-bedandbreakfast.com

Shingle Bay B&B

(250) 629-9954   Fax: (250) 629-9954

http://www.shinglebaybandb.ca

Sunshine Hills B&B

(250) 629-6497

http://www.bbcanada.com/217.html

Pender Committees and Organizations to Join.

Wed, 23 Apr 2008 03:41:20 GMT

Pender Island is flavourful in the different types of groups and organization you can participate in. Whether you are relocating to Pender on your own, with your partner or with your family you don’t need to worry about meeting new people. I have to say it is very easy to make your way in our community and you can choose to be as withdrawn or as involved as you would like.

Here are some groups you can join, I doubt I got them all but I have tried to categorize them. Mostly the numbers provided are those of volunteers and this is their private residence:

Arts/Creativity
Art Society 629-6571
Artist Co-op
Trincomali Community Arts Council 629-8309
South Pender Island Art Group
Choral Society 629-3515
Floral Arts Design Workshop 629-6384
Pender Highlanders Pipeband 629-6523
Ptarmigan Music and Theatre Society 866-859-0634
Quilters Circle 629-6091
Shop Craft Guild
Pender Photo Play
Celtic Music Society 629-6726
Solstice Theatre Society 629-9965

Physical/Exercise
Aerobic Rhythmics 629-3700
Badminton 629-3375
Let’s Go Walking 629-3906
Pender Island Runners 629-3205 or 629-9959
Pender Island Otters Summer Swim Club
Golf Club
Yoga 629-6808 or 629-6639
Darts
Taoist Tai Chi 629-6989
Volley Ball 629-3016
Disc Golf 629-6494

Clubs/Social/Friendship
Bridge – two groups 629-6627 & 629-3245
Texas Hold’em
Legion
Lions 629-6884 or 629-8387
Newcomers’s Club 629-3974
Newcomer’s Graduates 629-6513
Women’s institute 629-6392
Yacht Club
Shop Craft Guild

Youth Clubs
Kid’s Club 629-6168
Parent Advisory Council 629-3435
Pender Island Childcare Society
Play Group 629-3778
Pender Island Pirates (Baseball) 629-3823
Pender Island Mariners & Seastars (Soccer)
Pender Island Otters Summer Swim Club 629-3067
Junior Golf Club
Kid’s Choir
Pender Island Junior Sailing
Karate
Pender Islands 4-H Community Club – Agricultural learning 629-3819
Young Naturalists’ Club

Nature/Outside/Land use
Conservancy Association 629-6797
Field Naturalists 629-6797
Garden Club 629-6595
North Pender Island Trustees 629-6137
North Pender APC
Parks Commission 629-3435
South Pender APC 629-2009
PAWS –Pender Animal Welfare Society 629-9909
Farmer’s Institute
Pender Island Farmer’s Alliance 629-3819
Broom Pulling
Beach Clean up

Historical
BC Historical Federation Gulf Islands Branch 629-3483
Museum

Working Committees
Magic Lake Property Owners’ Society 629-3703
Magic Lake Water and Sewer Committee
Recreation and Agricultural Hall Association 6293669
Recycling Society 629-6962
Pender Post Society
Pender Island Community Services Society
Pender Island Ferry Committee 629-3353
South Pender Property Owners Association 629-9922

Volunteer Work Opportunities
Librarians
Nu-to-yu 629-2070
Film Night at Community Hall
Hope Bay Bible Camp
Farmer’s Market 629-6663
Community Support Worker/Volunteer Program 629-3346
Pender Island Food Bank
Pender Island Elementary Secondary School
Museum

Annual Events Planning Committees
Fall Fair Committee 629-6700
Lantern Festival – New Year’s Eve event
Santa Ship (Lions)
Operation Christmas Child – Shoe boxes (Samaritan’s purse)

Social Responsibility
African Aids Angel Making 629-9994
Wheels to Meals 629-3346
Pender Island Food Bank
Santa’s Sac 629-6066

Support Groups
Al-Anon Family Group 250-383-4020
Alcoholics Anonymous 629-6797
Prostate Cancer Support Group 629-3273
Grief Support 629-3461

Health and Safety
Canadian Coast Guard Auxiliary – Unit 20 – Salish Sea 629-6270
Canadian Power & Sail Squadron 629-6767
Health Care Society 629-3326
RCMP
Search & Rescue (Land) 629-3133
Pender Island Fire Rescue
Emergency Social Services
Emergency Management
Neighbourhood Program
HAM Operators Group

Religious
Anglican Church Women
Hope Bay Bible Camp
Pender Island United Community Church – Interdenominational
Parish of Pender & Saturna Islands Anglican Church of Canada
Chapel of Saint Teresa Roman Catholic Services

Business Opportunities
Chamber of Commerce
Farmer’s Institute 629-2057
Farmer’s Market 629-6663

School info for Pender

Thu, 27 Mar 2008 06:16:28 GMT

Pender Island is part of school district 64 (Gulf Islands). We have one school on Pender Island - Pender Island Elementary Secondary School. I believe we have approximately 140 students for 2007/2008.

Although our school is Kindergarten to Grade 12, most students continue until grade 8 and then continue grades 9-12 on Salt Spring Island at Gulf Island Secondary School known as GISS. Students take a water taxi from Pender to Salt Spring each day. Some students find a billet family to connect with so that students can participate in extra curricular activities. We do have a school bus program which involves taking Secondary students to the water taxi as well as a regular route for local students.

Our school is currently on a 4 day school week. Most weeks school is Monday to Thursday. When there is a Holiday Monday students will attend on the Friday. In order to have the same amount of instructional hours in a school year as a standard 5 day week the length of each day has been extended and breaks have been shortened. This year Spring Break started on Good Friday (March 21) and students will return to school on April 7th, 2008.

Many if not all of our classes are split classes usually combining two grades. Class structure changes each year based on enrolment and resources available.

The school encourages students to "Be kind. Be respectful." Our current goals focus on Numeracy, Literacy (including media literacy) and School Culture. Students of all ages actively participate in theme days and event planning.

Please check out our school district's website to find out more about each school, class time schedule and bus schedules. http://www.sd64.bc.ca/ or call our school at (250) 629-3711.

There is also a community of Home schooling/Distance Learning families in the Gulf Islands.

Additional resources in the area - Our school is across the street from the medical centre. In addition to that the Dragonfly Child Care Centre is connected to the school. There are programs for toddlers to Preschoolers. Preschoolers have the opportunity to become familiar with coming to school grounds regularly making the transition to Kindergarten natural. We also have a Montessori school for preschoolers (not located on the school grounds). Both preschools are reviewed as reputable in our community.

Other Activities: In a community rich with talent in the Arts it is no wonder we have so many opportunities for children. Most activities are at low/ reasonable cost or sometimes free. Many programs will assist low income families when needed as well. Some of the activities we have for children on Pender are: children's choir, violin lessons, piano lessons, other music lessons, different art classes periodically, H4 (farming and agriculture), kid's club, dance, gymnastics, swim club, karate, baseball, soccer, junior sailing and eco-camps. There are also opportunities for children to attend other activities on Vancouver Island at any of the local recreation centers. In the winter months Pete rents time at the Panorama Rec Centre arena on Fridays so that Pender kids can learn to skate, have fun and play hockey - low cost to those who participate. Fun for all the kids and parents to be together in this way.

Please let me know if this information has been useful for you! I would love to hear from you.

How Can I Help?

Wed, 13 Feb 2008 05:51:24 GMT

Thanks for reading my blog!

Are you looking for property on Pender Island? I am dedicated to helping you along the way. It is not unusual for new buyers to watch the market for several months or a year before purchasing. I am dedicated to helping you on that journey. I will keep you well informed of new listings, recent sales and any of those screaming deals we are all hoping for.

I want to get to know you and your specific needs. I want to share with you what I know about Pender Island and our community. Many people coming to Pender buy prior to retirement years with the hopes of living here full time in their future. We purchased our first home on Pender in 1995 and then moved here full time in 2001 so that our daughter would start school here.

I am also a Property Manager so I can help you either find a tenant for long term or seasonal rentals. I also offer service packages for those going on holidays or just need someone to check in on their property once in a while.

So please feel free to call me and ask questions even while in the preliminary stages of deciding if Pender is right for you. Our office also has connections on Mayne Island and Salt Spring Island

RE/MAX Outstanding Agents! Outstanding Results!