News and Info From The Gustus Group

Saskatoon Real Estate Market 2010

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NEW RULES FOR CANADIAN MORTGAGES

On February 16, Finance minster, Jim Flaherty announced tighter lending standards for mortgages.  His purpose?  To prevent homeowners from getting into financial difficulty when mortgage rates rise.

After consulting with major Canadian lenders, he unveiled the plan with three main components:

  1. All borrowers will need to qualify for a five-year fixed mortgage rate, regardless of whether they choose a shorter term at a lower rate. 
  2. The maximum amount when refinancing a mortgage will be lowered to 90 per cent of the value of the home, from 95 per cent.
  3. A minimum 20 per cent down payment is now required to qualify for CMHC insurance for non-owner-occuped properties purchased as an investment. 

These new rules will come into effect April 19, 2010

A number of large Canadian lenders already practise the first peg of Flaherty's plan.  After Tuesday's announcement, Bank of Montreal noted that it requires its high-ratio borrowers to be able to qualify using the five-year rate.  "While we do not believe that Canada faces a housing bubble, we fully support the minister's actions," the bank said in a release. "Given the prospect of higher interest rates and the recent run-up in housing prices in some markets across Canada, the measures announced today are prudent."

Canada’s average five-year mortgage rate was 5.39 percent on Feb. 10.  In May, it was 5.25 percent, the lowest since 1951, according to Bank of Canada figures.  Bank of Canada Governor Mark Carney has pledged to keep his main interest rate at a record low 0.25 percent through June unless the inflation outlook shifts.

What hasn't changed is you can still buy a home with a 5 per cent down payment.

If you have any questions or would like to discuss this in relation to your real estate plans, please feel free to give us a call.

Cheddar Cornmeal Muffins

Cheddar Cornmeal Muffins 

1 c. flour                      1 c .milk
½ c. cornmeal               1 egg
½ tsp. baking powder     ¼ c. melted butter
½ tsp. salt                    1 ½ c. grated sharp cheddar cheese
Dash of cayenne (optional)

Stir together flour, cornmeal, baking powder, salt and cayenne.

Beat egg with milk and butter and add to dry ingredients, stirring to moisten.

Stir in 1 cup of the cheese and spoon mixture into greased muffin tins. Sprinkle with remaining cheese.

Bake at 375 degrees for 15-20 minutes.

Serve warm.

Saskatchewan's Economy - Growth in 2010

Saskatchewan's GDP is set to grow by 2.5 per cent this year thanks to a recovery in potash sales and a strong domestic economy, a new report said Monday.

The Conference Board of Canada wrote in its latest Provincial Outlook Saskatchewan's resource sector will play a key role in the rebound in the provincial economy in 2010.

According to the research firm, Saskatchewan noted a 4.2-per-cent decline in its real GDP in 2009 as a result of the economic downturn and a drop in resource commodity demand and price.

"Fortunately, commodity markets are rebounding and are expected to serve as the engine for growth in 2010," the report read.

The outlook said the turnaround in Saskatchewan's potash industry is underway as a result of recent sales to both China and India. Potash sales are expected to climb as North America and Brazil enter their spring planting seasons and as buyers re-stock their inventories of the pink plant nutrient.

Although a recovery in the sector has commenced, the Conference Board expects it will take more than just the 2010 calendar year for the market to get back to normal conditions.

"The potash industry will still have a long way to go before fully recovering, thus allowing for more mining gains in 2011 when the province's economy will expand by 2.9 per cent," the Ottawa-based agency said.

The Conference Board also believes Saskatchewan's provincial nominee program will attract more international migrants this year leading to a jump in housing starts.

The board expects housing starts will rise 15.4 per cent to 4,460 new units across the province this year.

A low unemployment rate, strong retail sales and near-term growth in the manufacturing industry, the firm said, will also help to push the province toward its projected GDP rebound in 2010.

What are clients saying about The Gustus Group?

    Selling a house is very stressful, but with Mike on our side, it was fast and easy. We got more than our asking price because of Mike’s patience. He was helpful in many ways, everything that we were told would happen, did happen, and in a timely manner.
    
With buying our new home, when things got confusing with land titles and with the old owners leaving a bunch of junk in the house, Mike took care of it.
   
The gift basket was a very nice touch!
                                                                                                                      - Michelle B.

Contact Information

Photo of Mike Gustus Real Estate
Mike Gustus
RE/MAX Mike Gustus
123 Pinehouse Drive #3
Saskatoon SK S7K5W1
Phone: 306-668-1800
Fax: 306-668-1819