Davelle Morrison

Karen Shinn, Cofounder of Downsizing Diva walks us through the services that are available to seniors looking to downsize. What services does Downsizing Diva provide? How is Downsizing Diva different from a traditional moving company? What are some of the age groups that have used Downsizing Diva services? How is an objective viewpoint important when deciding which items to take with you and leave behind? How does a floor plan assist you in deciding which furniture’s to take with you? If thinking of downsizing, why is it important to make the move sooner rather than later? How does residences like condos, senior apartments and retirement residences have a higher appeal for people with reducing mobility? What signs should you be aware of for you to seriously consider downsizing? Why is social isolations common in seniors who lost a spouse? Why is there an increase in the phone calls for downsizing in September, October or before winter? How does neighbourhoods play a factor in choosing to downsize? How have

Joe Sammut, Mortgage Broker at Mortgage Architect walks us through some of the changes the new mortgage rules passed by the Bank of Canada will bring, and how it will affect homebuyers with 20% down. What is the Bank of Canada benchmark rate? What is the purpose of this new mortgage rule? What is the new qualification rate? What was the old qualification rate? What is the element of the stress test that has to do with debt servicing or percentage of debt servicing? What is a TDS ratio? What is the credit score you need to qualify for a bank mortgage? What is in the qualifying ratios of a GDS of 35%? Why are there now more competition in the condo market? Which segment of the population will be affected by the new mortgage rule? What is the default rates for mortgages? Who are some of the lenders that have bulk insured mortgage portfolios? How are people with more than 30% down affected by new mortgage rule? Why homeowners who wish to refinance the home to take equity out are affected under the new mortgage

Michelle Binette, Interior Designer talks about the top five design mistakes people make in their home when it comes to decorating their space. What are the top five design crimes common in every home? What are the two main guidelines you could keep in your back pocket when you are hanging your art? Why should you hang an art 8-10 inches above a furniture that is more than 30 inches? How would extending the rod 3-6 inches on either sides of the window frames could make your room look bigger? How could creating a floor plan make your decision process easier about buying the right size furniture’s? How could living in a house for a while aide you in buying the appropriate furniture’s? What is the mindset behind most people’s decision to buy a whole furniture set? How could blending different textures, elements, scales and proportions make you feel like living in a home put together by a designer? How could having a statement piece in your home personalize your space and draw people in? Why should you avoid a

Joe Sammut, Mortgage Agent at Mortgage Architects talks about the importance of maintaining a good credit score. How important is the credit report? What are some of the things you could be doing in your 20’s to make sure you have a good credit rating? Why is it important to make the minimum payments, if you cannot afford to pay the full amount on your credit card? What is a credit score out of? Why is it important to pay of your credit card balance sooner than waiting for the statement? What is a good beacon score? What is bad beacon score? Paying in cash vs. taking a loan? Which is better in the eyes of the credit score? How does using payday loans negatively affect your credit rating? How often should you check your credit rating? What are the two credit reporting agencies in Canada? What is a revolving debt? How does filing for bankruptcy or getting under consumer protection affect your credit rating?

Davelle Morrison, Sales Representative at Bosley Real Estate helps clients invest in real estate who are looking to bolster their retirement plans. How do you get a deal in this market? How to find that diamond in the rough, add value to it and add tenants in it? Why is it important to have an existing principle residence? What are the best months to scour for investment properties? Why is it important to work with the best contractors, architects and engineers? Why is it important to hire the best accountants or financial planners? Investment properties vs. the stock market? Which is better for long-term gain? What financial options do you have at 65? What are the disadvantages of an RSP portfolio vs. an investment property portfolio? Why is it important to buy an investment property with a basement apartment?

David Wenger, Certified Residential Appraiser at Ridgepoint Appraisals talks about the importance of doing an appraisal and the different types of appraisals that are out there. Why do banks consider appraisals as an insurance policy? What are the different types of appraisals? Why is it important to disclose about the renovations done on the home, since purchasing it last to the residential appraiser? Which types of improvements done on the home are valuable? Which are non-valuable? What are the major trends in the marketplace right now? How are builders getting priced out of building a new home? Why are more appraisals done by banks these days? What is a drive by appraisal? What are the different things an appraiser could be used for? How are appraisals used by private companies, government and in state settlements?

Senior VP Market Research & Analytics at Fortress Real Developments which helps to finance various condo developers. Is there too much supply of condos in the market? Is there an impending crash coming? What are the trends in the sizes of condos? Will families be expanding into condo? What's happening with foreign investors?

Matthew Slutsky co-founder of real estate new site & resource BuzzBuzzHome shares with us their 2017 plans to allow buyers to purchase pre-construction condos online with their credit cards. BuzzBuzzHome covers real estate and developments across many cities including Toronto, New York, Miami. Boston, Chicago, Los Angeles, San Francisco and more.

Carolyn Ireland has been a reporter with the Globe and Mail for 20 years. She writes the Next Move column in the Globe and Mail's real estate section and covers market movements and trends in the marketplace.

A look at Toronto millennials and real estate Do they want to purchase a property? How are they using the bank of mom & dad? What does the real estate future look like for millennials? What's a fauburb? Commentary on Toronto Life's Young, Rich & Totally Not Buying a House article How is the sharing economy affecting real estate?

Mortgage Broker, Joe Sammut takes us through the ins and outs of renovation financing. - How to use the bank's money to finance your renovations when you buy a house - How can a first-time home buyer have their renovations financed? - What is Purchase Plus Improvements? - How can the bank help you finance major renovations? - What kind of downpayment do you need? - What's the process for renovation financing? - How can you use your line of credit?

Lawyer, Author, Speaker, Columnist Important tips for first-time home buyers about re-sale & pre-construction condos The importance of the status certificate & what is it? Why is the reserve fund important? How can you avoid any surprises when you make a purchase? Why its important to use a lawyer when you purchase a pre-construction condo How does HST factor into your condo purchase? How do Assignment purchases work? What do real estate investors need to know? How will tenants factor into your purchase? How to screen tenants well?

In this episode I take listeners through my favourite methods of winning at the bidding war game. You'll learn what a bully or pre-emptive offer is and how you can win them to get the home you want. You'll learn what you need to do before you compete in a multiple offer situation

An interview with Brian Torry, General Manager, Bosley Real Estate Ltd., Brokerage who discusses the Toronto Real Estate Market. It's strength and the unprecedented increases we have seen in 2016. Brian also highlights why real estate is important to him.

Michael Siskind, Principal, Decade Group, which is building Yorkdale Village by Yorkdale Mall & Midtown Lofts in Kitchener/Waterloo - Michael discusses why delays happen in the pre-construction industry such as strikes, building inspections, the registration process etc - things to know when purchasing pre-construction condos - state of Toronto condo development

Julie Mitchell, Owner, Parcel Design & Torq discusses what makes a great neighbourhood & how she chose Leslieville as a place for her family & business before Leslieville was cool. What to look for a selecting a great neighbourhood Why Leslieville is great? Why its important to support small business owners in your area

Michelle Binette is an interior designer who works with budget-conscious homeowners An insight into today's decorating trends Favourite decorating stores to shop in Toronto Michelle's 5 step process to kick-start your decorating plan Mistakes homeowners make in decorating

What millennials need to know about getting a mortgage How to accept family gifts for down payments How to buy a house in this competitive market

- why first-time buyers should still buy real estate - advice on how they can get more bang for their buck - the importance of having a basement apartment - why having a real estate lawyer, mortgage broker & home inspector as part of your team is important