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Upcoming Events  

First Time Home Buyers Seminar and Tour

Sunday, November 20th  

1pm - 4pm  

Email Jamie for details

jamiemoi@jamiemoi.com 

 

BNI Cartel - every Friday

Coast Hotel and Convention Centre
7am - 8:30am

$20 for guests  

Business Networking International

www.bnicanada.ca

Please contact Jamie for details.   


VWN Evening Chapter
Sunrise Banquet Centre
Tuesday,November 8, 2011
6:30pm - 9:30pm
Reservations at
EveningReservations@
ValleyWomensNetwork.com


Langley Chamber of Commerce
Tuesday, November 15th
Coast Hotel and Convention
Centre
5pm Networking
6:30pm Dinner
events@langleychamber.com

Glamour and Gifts
In support of the Surrey Women's Shelter
Fri, Dec 1, 7pm-10pm
Sat, Dec 2, 10am - 3pm

Suite #100 - 10428 153rd St. Surrey, B.C.

Free food and drinks.  Shopping and complimentary manicures!!!!!

Admission is gently used blankets, clothing, cash or gift cards for the shelter.

For info: P: (604) 581-8005  



We do LEASING!!!  

 

Leasing business equipment has never been easier. Are you looking to upgrade the gear you have? Improve production? Grow your business? If you require assets that will depreciate over time, take a look at leasing as a financing option. You can write more of the expense off and it is faster and easier than dealing with the bank. From computer systems to medical equipment, we can help. Check out our leasing web site at www.LangleyLeasing.com

 

 

 

About Jamie Moi 
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Jamie Moi is an independent mortgage broker with Dominion Lending Centres West Coast Mortgages. She is an Accredited Mortgage Professional (AMP) and provides all types of residential real estate financing for property purchases, mortgage refinances, mortgage renewals, second mortgages and investment  financing.

Jamie specializes in assisting clients who are self employed and can assist clients across Canada from her office in Langley, BC.
 

More Info
Movement

Happy Tuesday!  It has been an exciting week in the office as it seems that consumer confidence is on the mend.  With condos and townhomes selling, there is some nice movement coming back into the market.  There is also a little bit of movement in interest rates.  Fixed rates seem to be holding stable and low and there are rumors that they may even come down slightly.  Prime is stuck firmly where it is until the Bank of Canada meets again on Dec 6th.  However, the discounts on variable rates are shrinking.  Only a few months ago we were seeing variable rates at Prime less 0.75%, now most lenders are offering their variable rates at Prime or just slightly discounted. 

 

With uncertainty in the market, many home owners are considering renovating rather than buying a new home.  If this is something you have been considering, come out to the Greater Vancouver Home Builders Association Renovation Seminar on November 22.  The details are in the article below and I will be attending as an exhibiter at the trade show from 5:30pm - 7:30pm.  I would love to answer any questions you may have about using your home equity to create the renovations of your dreams.

 

If you don't own already, come out to the First Time Home Buyers Seminar and Tour I am co-hosting on November 20th.  Learn all there is to know about buying a home and get to tour some available properties.  The deadline for registrations Nov 16th.  Further details are on the side panel of this newsletter. 


If you have any questions or would like to learn more about how we can help you to save thousands of dollars on your mortgage every year, please let me know.

 

All the best!

    

Jamie Moi, AMP
Dominion Lending Centres - West Coast Mortgages

Your mortgage consultants for life

604-534-6504
jamiemoi@jamiemoi.com
  

 

And don't forget to check out our Facebook page at  

www.facebook.com/JamieMoiMortgageTeam.   

 

Current Mortgage Rates  
 CURRENT MORTGAGE RATES
Effective Nov 8, 2011  

   TERM                    BEST RATE            
  POSTED RATE
1 Yr Closed                   2.80%                       3.65%
2 Yr Closed                 * 2.49%                       4.00%
3 Yr Closed                 * 3.09%                       4.60%
4 Yr Closed                 * 3.09%                       5.59%   
5 Yr Closed                 * 3.39%                       6.10%
7 Yr Closed                   4.90%                       6.90%
10 Yr Closed                 5.15%                       7.05%  


Prime Rate: 3.00%
5 Year Variable @ Prime - 0.20%  
Bench Mark Rate: 5.29%

* indicates a promotional rate
Weekly Rate Changes
Home-renovation seminar well worth the time

 

BY PETER SIMPSON, SPECIAL TO THE SUN

November 5, 2011

 

It amazes me how safety-conscious parents constantly warn their darling children to not run with scissors, jump off furniture or stick straws up their noses, yet they allow some stranger to renovate or repair their houses without checking to see if he is compliant with WorkSafeBC regulations.

 

Falling off a six-metre ladder, then doing a face plant on to a concrete sidewalk, will definitely leave a painful mark, and might burden the homeowner with substantial health care and loss-of-income costs.

 

You see, if a homeowner hires a contractor who is not covered by Work-SafeBC, and a worker is injured - or worse - the authorities will likely place the responsibility squarely on the homeowner. Scary stuff, huh? Sure, I suppose you could take a chance that nothing will happen at your house, or would you rather learn how to protect yourself from a possible home-improvement nightmare?

 

To help homeowners demystify the renovation process and make more informed decisions, the Greater Vancouver Home Builders' Association - in partnership with BC Hydro, Canada Mortgage and Housing Corp. and FortisBC - is presenting another of its popular home-renovation seminars.

 

To be held Nov. 22 at the Croatian Cultural Centre in Vancouver, the seminar will guide attendees through the various stages of the renovation process, including design and planning, legal and contracts, selecting a renovator, municipal permits and inspections, and living through a renovation.

 

Presenters at the 90-minute seminar include award-winning renovation contractors, a construction lawyer, municipal building official, and a technical expert sharing the latest in green technology.

 

Condominium owners contemplating renovations to their units will learn about the special considerations often imposed by strata councils and their management companies. Approval is required for any renovations affecting other condo owners or common property in the building.

 

Attendees will also learn about Reno-Mark. To be accepted into this industry-led national program, contractors are obliged to abide by a 10-condition code of conduct. Infractions are taken seriously. If contractors don't play by the rules, they risk being turfed from the program until they comply.

 

An exhibition area - featuring more than 40 RenoMark renovators and suppliers of home-improvement products and services - will be open from 5: 30 to 7: 30 p.m. to allow homeowners ample time to discuss their renovation plans with the experts before the seminar program begins.

 

Although builders consider a new home to be the ultimate renovation, what with all the new products and leading-edge technology available these days, folks are spending big bucks to give makeovers to their tired, poorly performing older homes. More than $7.8 billion will be spent on home renovation, improvement and repair this year in B.C., about $4.4 billion in Metro Vancouver alone.

 

With that much money at play, it is crucial that homeowners do their homework before they sign a contract with a qualified contractor. And they should definitely avoid the underground economy, where cash deals done under the radar run the risk of exposing homeowners to the aforementioned liability issues and close scrutiny from municipal bylaw officials and provincial safety authorities.

 

Although admission to the seminar and exhibit area is free, pre-registration is required. Register online at www.gvhba.org or call 778-565-4288. There was a full house at last year's fall seminar, so register early to guarantee a seat. Public transit is nearby and there is ample on-site parking.

 

Please consider contributing a nonperishable food item or two for the Greater Vancouver Food Bank Society. These days, more folks - including seniors and single moms - rely heavily on food banks.


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Jamie Moi, AMP
Dominion Lending Centres - West Coast Mortgages
ph: 604.534.6504
fax: 604.534.6592
http://www.jamiemoi.com