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Check out this house in Texas. It's quite opulent, thanks to its use of different materials (stone, wood, metal, glass) on both the interior and exterior, however the quality of work done looks phenomenal. The stone work brings interest to the space, and matches well with the dark wood floors and accents. Not often to you get to see a perfect view of the back of a staircase, and it definitely is a cool...

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These days sustainable homes are synonymous with modern style. This property in Washington State has sustainable features including large overhangs for sun and rain protection, recycled steel siding and a heat pump mechanical system for energy efficiency.

The home sits on a high bank, so large glass windows take advantage of the great water views. Large sliding doors create an indoor-outdoor space between...
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Check out this modern and Cost Efficient Home in Scarborough Ontario. These days it;s far too easy to go over budget on a homer renovation or build, with new technology and building strategies, and long construction times and high quality materials. This house managed to keep things under budget by using prefabricated floor, roof and wall components that were assembled on site. Not only did this save...

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Check out this home in Vietnam. Many well placed windows and skylights offering lots of natural light, and they've brought some greenery inside! Open concept main floor works great for families (makes it easy to keep an eye on roaming kids), the greenery adds a touch of the outdoors and keeps the space feeling light and fresh, and the bedrooms are a good size. The floating beds really open up the room....

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Market Update

JULY 2012

With the sun shining today, we can only hope that our delayed Summer has finally arrived. With it comes a Summer market that is offering up a few surprises. The biggest surprise was the swift implementation of new, more restrictive, mortgage rules. The implementation of these rules will further decrease affordability for buyers, especially first time buyers, in the short term.

To recap the 4 major changes:

- All insured mortgages (less than 20% down) will be subject to a maximum 25 year amortization period. This is down from 30 years.

- There will be no insured mortgages over $1m. This will impact local families stretching to get into a detached home.

- Home equity lines of credit will be reduced from 80% to 65%.

- Re-financing will be reduced from 85% to 80%

Active inventory has also levelled out this month, with several markets even showing slight declines in active listings compared to last month. Listing inventory is still substantially higher than this time last year, but I suspect we have seen a peak in listing inventory for the time being. Sales volume showed declines of 25-38% over last month as well, as we enter into our seasonally slower time of the market. Look for sales to slow down further through July and August as the weather gets warmer. Average pricing remains relatively stable, with most markets showing slight increases over both last month and this time last year.

Hope you have an amazing start to the Summer and don't hesitate to call if you have any questions about the new mortgage rules or market trends.


Unique Homes Blog


Check out this Smart Thermostat from a company called NEST. It's small, modern, technologically capable and programs itself to your lifestyle and preferences. Check out my post to learn about some of it's cool features (Bonus: It's not that expensive!). Unique Homes Blog >>



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