This concise introduction tries to cover the most important "insider's tips" about buying a house, townhouse or condominium. Some of the information is specific to Vancouver, BC, real estate. It is presented courtesy of Rosemary Anderson of RE/MAX Real Estate Services.
There's a lot here to digest—you may wish to print out this web page to read at leisure, perhaps curled up by the fireplace.
Here are a few tips on affordability:
If you don't already know how much you can afford, the best way to find out is to consult with a "mortgage broker" who works independently, at arm's length, from the various lending institutions. A major advantage brokers have is that they can usually obtain lower mortgage interest rates from the major banks, saving you substantial amounts over the mortgage term. Their services are usually free for borrowers, with the lenders paying them fees when mortgages are arranged. They help clients choose suitable mortgage features and packages from the dozens of lenders. They also help clients avoid mortgage problems.
It's preferable to go to a mortgage broker towards the beginning of the buying process. Then you can ask him or her to arrange an "interest rate guarantee". This means that if rates go down before you buy, you will get the benefit of the lower rates; but if rates go up, you will get the benefit of your guaranteed rate: a win-win situation for you.
If it happens that a person will need to borrow for both housing and a car this year, it's often much easier to accomplish both if the mortgage is arranged first. This can be particularly critical for people near their credit limit.
Guides to how much can be borrowed are sometimes published but these are only estimates. For example, an income of $40,000 may qualify a person for a mortgage of $100,000 with one lender and $170,000 with another lender.
Monthly Payments To Borrow $100,000
Amortization Period
Interest (years to pay off)
Rate, % 10 15 25 30 40 yrs
———————— ————————————————————
5.0 $1059 789 582 534 479
5.5 1083 814 611 564 512
6.0 1107 840 640 595 546
6.5 1132 867 670 627 580
7.0 1156 894 701 659 615
7.5 1182 921 732 692 650
8.0 1207 949 764 725 686
8.5 1233 977 796 759 722
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In the above table a 5 year $100,000 mortgage paid monthly with a 25 year amortization period at 6% compounding semi-annually, not in advance, would mean payments of $639.81 per month (shown as $640 in the table). To estimate the maximum monthly home-related payments (mortgage, property taxes, heating, plus half of condo fees) that a typical lender will permit: (a) multiply your gross household monthly income by 0.32 ; (b) multiply your gross household monthly income by 0.40 then subtract your other monthly debt payments; (c) take the smaller of (a) or (b). Or better yet, just ask a mortgage broker!
In general, a larger mortgage is available if a lower interest rate is negotiated by a buyer or broker. A skilled negotiator can often obtain a mortgage 0.25% to 1.25 % lower than the standard posted or advertised rates. (Incidentally, over the long term "variable-rate" mortgages have cost less on average.)
A larger mortgage also becomes possible if the property owner "buys down the interest rate". This is a form of "creative financing" in which the interest rate and monthly payments are much lower than the normal rates, for an initial period. It is sometimes available when the owner is anxious to sell, such as when a condominium developer is clearing their last few apartments. Such financing is not without risks, since the interest rate and monthly payments will increase sharply after the initial period. It can be appropriate if the borrower's income is expected to rise.
Another form of creative financing that allows for a larger mortgage involves having a friend or relative co-sign and share responsibility for the loan.
Guidelines differ widely among lenders. For example, two of Rosemary Anderson's clients were advised by their usual financial institution that they qualified to purchase a property up to $140,000. While it is generally wise to keep borrowing to a minimum, they did not feel that properties under $140,000 would meet their needs. They then turned to a mortgage broker who arranged for a bank to accept them for properties up to $190,000. This enabled them to move into the home they wanted, which they love.
As you can tell from the above, it requires some digging to find out the actual mortgage amount you qualify for. It will depend on individual circumstances such as your income (amount, source and history), debt payments, savings (preferably in RRSPs for tax advantages), whether you are legally considered a "first-time buyer", which lender you approach, and sometimes even the specific type of property being considered.
In order to serve you properly, your mortgage broker will have to be told these facts. If you are shy about revealing such financial details, as most of us are, it is essential to deal with a person with whom you can feel comfortable talking about confidential matters. (If you wish, you may ask RosemaryAnderson@TheBestForYou.com for a referral to a trustworthy and expert mortgage broker.)
A few tips on investment value:
Some buyers are undecided about whether to buy a house or to buy a condominium, and are concerned that they would have to spend considerably more money if they choose to buy a house. (In B.C. popular usage, "condominium" refers to a condominium apartment and not a duplex, townhouse/townhome or detached house even if these are strata-titled.) Historically, houses have usually been the best long-term investment. In other words, the right condo in the right location can be an excellent and less expensive investment but in most cases houses are better over the long term.
The reason for this is related to the fact that buildings decrease in value or "depreciate", often losing 2% to 3% of their true or inflation-adjusted value per year. Older structures usually have a lower depreciation rate than newer ones. Land, on the other hand, often increases in value or "appreciates", especially in British Columbia. Therefore, a property in which more of the value is in the land, such as a lot with a single-family house, tends to be a better investment than a property for which a higher proportion of the value is in the building, such as a condo development. Townhouses fall about midway between houses and condominiums in this regard.
Nevertheless, there are some good values in condos, and an experienced realtor should be able to tell you where values are appreciating fastest due to location, type of construction, demographics, etc.
One last tip on the subject of "how much to invest": In the case of a family purchasing a home, it is better for them to avoid spending all of their savings on the down payment and "closing costs" (contract legal fees etc.) It can be very stressful to a family to have no emergency reserve left after buying a property.
Factors to consider include your personal situation, and your judgment of whether the market will be going up or down, that is, "market timing". Here are a few tips:
Over the long term, the experts generally agree that B.C. Lower Mainland real estate will increase in value, mainly due to the predicted increase in population.
It is usually possible to get a good idea of whether prices are currently going up or down by consulting a busy realtor. Note, though, that the price direction frequently depends on the particular type of property and the particular location. Even when the market is widely falling, there are some areas that are still rising, and vice versa.
An experienced realtor can often make a reliable judgment of price trends based on a wide range of indicators. For example, the numbers of property "showings" and "purchase offers" become known through the grapevine of real estate agents. These indicators show the newest price trends weeks or months before actual sales do, because of their greater volume and because of the delays in reporting of actual sale prices. (To request a complementary, no-obligation subscription to Rosemary Anderson's monthly newsletter "Service For Life / MarketWatch" reporting real estate sales statistics broken down by type of housing and area within Greater Vancouver, just send a brief request with your postal mailing address, to: Subscriptions@TheBestForYou.com. For years Rosemary Anderson did the local price review for a national housing price survey, which you may have seen reported in numerous Canadian news media.)
Spring and fall usually have greater market activity, and a wider choice of reasonably priced properties for sale, than summer and winter. However, looking back over many years it is clear that no season is predictably the least expensive time to buy in this area. Sometimes the best time to buy is when nobody else is looking: a little-known secret is that there is usually a noticeable drop in prices at the end of December, creating an opportunity of which very few buyers take advantage. The drop may reflect a supply and demand imbalance caused by some investors needing to sell before year-end for tax purposes, at the same time that buying has stopped because most buyers are busy with holiday festivities.
Published statistics, such as weekly average price charted over time, are of limited help in determining whether prices are currently going up or down, or in predicting future price movements.
(Basically, the statistics are always a little bit out of date to help with "market timing". More specifically, the reason is related to the fact that even in a large market like that of the Lower Mainland of BC, there is considerable random fluctuation of the graphs up and down from month to month. This random fluctuation is a function of which particular properties have sold and does not reflect an actual market trend. Consequently, it may take two to six months before a trend shows up clearly in the statistics. By then the market will often have started moving in a different direction, but the new direction will not be clear from the statistics until several more months have passed. The Real Estate Board of Greater Vancouver produces a Housing Price Index to track price inflation, but even this is of limited value for market timing purposes.)
Should you buy a condo prior to or during its construction? After all, the ads proclaim there are "ONLY 17 LEFT!" Those who have experience in buying before construction is completed often advise against it, according to a survey of purchasers in Greater Vancouver reported in the Real Estate Weekly. There are a variety of possible causes of dissatisfaction. Also, when condos are sold to the public long before they are finished being built, it means the big investors have decided it is more profitable to sell than to buy at that time and price. In any case, buying pre-construction does not necessarily guarantee the buyer is protected against real estate price increases, since the developer will usually include a contract clause that permits them to collapse the sale if construction costs rise enough to make the project unprofitable for them. On the other hand, buying pre-construction is the surest way to get the best choice of brand-new condos. Many home buyers and investors have done very well financially buying in this way, especially when they used their own independent realtor to protect their interests in the purchase.
More than half of B.C. residents move at least once in five years. Obviously "the best time to buy" is not when there is a possibility you will soon be forced to turn around and sell due to a job transfer, marriage, or job loss. This is because of the transaction costs such as home inspection fee, appraisal fee, legal fee, realtor commission and Property Transfer Tax, which your realtor can estimate for you. (Realtor commissions vary a lot, but a typical amount in B.C. would be $4,500 plus 2.5% of the property value, with a little under half going to the buyer's agent.) The total costs of buying and subsequently selling can amount to approximately five to twelve percent of the value of the property, so hopefully you are buying at a time in your life when you will be able to keep the property a reasonable length of time, over which to spread these buying and selling costs.
Also, the longer you hold the property, generally the more reliable the return. For example, a study some years ago of six Fraser Valley communities found that the price of a typical house, averaged over 3 years, increased only 0.8% per year; but averaged over 5 years the price increased 5.0% per year—so obviously it was safer to have owned for the longer period. In another study, over a period of 10 years an older home in Vancouver increased at 11% per year (compound rate; 19% un-compounded), which compared favorably with mutual equity funds which averaged 8% per year and mutual bond funds which averaged 9% per year during the same period. However, "past performance is not necessarily indicative of future performance" in any investment vehicle. In an Ipsos poll, 47% of Canadians felt buying a house or condominium is a good investment, and 43% a very good investment, for a total of 90%. Respondents also rated home ownership as the most important of all financial goals.
If you are a first-time buyer, the standard advice is to save up a reasonable down payment in order to maximize your buying flexibility and minimize your interest costs, and then "BUY AS SOON AS POSSIBLE!" Actually, if you are employed, "reasonable" minimum savings could be anywhere from 6.5% to 35% of the purchase price depending on your circumstances, so general advice isn't too helpful. Infrequently, properties are even bought with a zero or 1% down payment. You can substantially reduce the cost of mortgage insurance by waiting until you have a large down payment.
Often it's said "better to be paying towards your own equity (ownership) than into your landlord's pocket". From an investment point of view, that is generally true—most people who buy a home develop vastly greater wealth than those who do not.
However, the question of when a particular renter should jump to ownership is somewhat complicated. As long as housing prices are relatively stable, one of the important questions to answer is whether your current rental payments are greater or lesser than the comparable costs of ownership.
These "comparable costs" are the sum of (a), (b) and (c) where (a) is the interest portion of the mortgage payments you would be making (that is, the monthly mortgage payments MINUS the principal portion), (b) is the foregone interest on the down payment (that is, the amount you would earn if you invested it elsewhere), and (c) is the sum of other costs (e.g. annual taxes and maintenance).
Those who are content to rent much more modest accomodations than they would consider buying, can save money by renting; and eventually apply the savings towards a down payment.
If you own your present home, you are likely going to sell it when you move. (Those who own real estate can sometimes buy additional properties for investment purposes without either a down payment or selling their holdings, by leveraging; but the extra associated risks must be carefully weighed.) If you will be selling your present home to finance the purchase of another, it is generally advisable to sell first and then buy, if possible.
Alternatively, you can arrange a contract to buy a home "subject to the sale of your present home", but then your price and terms for both buying and selling are likely to be less favorable than if you had already sold. Buying first is less problematic if you own a home in high demand, such as if a person owns a Vancouver heritage home, which is typically highly coveted.
If you will be selling one home to buy another one and the two homes are similar in price then you have little worry about "trying to time the market" (choosing when to buy or sell by judging whether prices will be going up or down). Any market change in buying cost will be approximately offset by the change in selling price, so in this situation you as a homeowner will be free to choose when to move according to non-financial considerations. That is, provided you have a realtor who can be depended upon to arrange the selling and buying transactions close together in time. (Information on selling is available here.)
One last tip on the subject of "when to buy": When you see ads seeking investors for a sure-fire real estate development bonanza, invariably in another province or country making it difficult to investigate thoroughly, you are usually NOT looking at a once-in-a-lifetime golden opportunity where you should "buy immediately or lose out forever". Thousands of investors have lost their savings in M.U.R.B.s and other developments. As one writer put it, there are NO investments that offer both security AND a 16% return on investment!
If you picture yourself in a home a year from today, what kind of home does it have to be for you to feel happy about it? Many people find it helpful to take pen and paper and actually write down a list of features they would like to have when they purchase a house, condominium or townhouse. If you wish, print the list below and quickly circle the features you'd like, then go back over the circled items and put a second or third circle around the ones really important to you. Having such a list makes it easier to communicate with others, such as real estate salespeople, when searching for your dream home.
If there is more than one person involved in the decision, then each should make their own list, and afterwards the lists can be merged into one.
After the list is made the desired features should be separated into groups by importance, such as:
Information about neighbourhoods in Vancouver is available at this link: City of Vancouver Community Profiles, and for other Greater Vancouver municipalities at the following links: Anmore, Belcarra, Bowen Island, Burnaby, Coquitlam, Delta, Langley (City), Langley (Township), Lions Bay, Maple Ridge, New Westminster, North Vancouver (City), North Vancouver (District), Pitt Meadows, Port Coquitlam, Port Moody, Richmond, Surrey, University of British Columbia etc., West Vancouver , and White Rock.
An unromantic but important topic. On average it is cheaper to own than to rent over the long term, but it is essential to reduce the risks of ownership so that you as an individual benefit. Problems can arise from shoddy workmanship and from unproven new building practices. At various times in the past there have been widespread problems with such things as urea formaldehyde foam insulation, green timber, lead paint, stucco, asbestos insulation, aluminum wiring, substandard copper piping, and vinyl siding, although most installations of these various products were trouble-free and these problems are now largely behind us. Currently, a considerable amount of apartment building damage due to rot caused by moisture is being repaired. The following are not hard-and-fast rules, but are believed to reduce such risks:
- buying subject to inspection (of flashings, air vents, etc.) by a professional building/home inspector
- choosing a home built by a developer/builder of high reputation
- choosing a building with a roof overhang/eaves
- built before 1980, or
- built recently with rain screen technology
- examining strata council minutes of meetings and financial statements for problems
- choosing a condo where the strata council has paid a few thousand dollars to have an engineering firm check for moisture penetration
- built without spun poly type vapour barrier
- concrete construction is somewhat better
- long warranty against leakage from financially secure third party
(Real estate salespeople in B.C. use a somewhat complicated set of rules to determine "square footage". For example, unfinished furnace rooms are supposed to be excluded. Different salespeople measuring the same property usually come up with very similar estimates for square footage, but the courts may not find fault if the residence turns out to be smaller than estimated by the realtor, e.g. 5% smaller. Nevertheless, such a discrepancy could be very upsetting to a buyer! For this reason, it's best to judge whether the size of a home is adequate by simply looking at it, rather than by relying on the published "square footage". The square footage is, however, a help in choosing which properties to view. "Slight" undersizing can also be a problem with condos bought "pre-construction".)
Often, the features most important to people seem to be the ones they write down first. Deciding what you want in a new home is usually an on-going process. After you have viewed a few properties for sale, you will have some idea of what compromises you'll need to make to meet your budget, and you may wish to make some changes to your list.
"If knowledge is power, then a realtor is the most powerful professional ally you can have when it comes to selling or buying your home" according to the Canadian Real Estate Association, whose members are called "realtors®".
When you haven't yet found the property you wish to buy, the first obvious advantage of utilizing a realtor is that usually they can efficiently find suitable properties or "listings" for you to consider. In the Lower Mainland this means applying knowledge of the market together with computer technology that is not fully available on the public internet as yet.
If what you want isn't currently on the market, a real estate agent may even locate suitable properties by mail-outs or knocking on doors in selected neighbourhoods.
A realtor can also provide you with selling prices of the types of homes you are interested in. There is plenty of information available about the asking prices of properties. The Multiple Listing Service (MLS) at www.RealtyLink.org or www.MLS.ca is the best publicly available source though it is sometimes a few days or more out of date. However, for actual selling prices of comparable homes, which are key, a realtor is the best source.
If you aren't fixed on one location, a realtor can give you advice as to which locations are best from the point of view of future appreciation potential. Different locations and properties vary greatly in this respect.
One would think that buying or selling a property ought to be fairly straightforward most of the time. However, in practice almost every transaction seems to have a novel quirk or problem to be dealt with and resolved. That's one reason having a professional real estate salesperson on your side can be a tremendous asset.
One of the trickiest areas is the negotiation of price and terms. Experience has found that having the buyer and seller negotiate face-to-face is often disastrous. A lot of money is at stake, and the naturally high emotions can overwhelm the facts and create obstacles to finding a win-win agreement. The process works much better with a good realtor providing advice and passing information back and forth during the negotiations.
In our area, a purchaser usually gets their realtor's help for free, so it's probably wise to take advantage of this fact and use their services. The buyer's realtor is normally paid a sales commission by the seller. This may seem surprising, but the seller pre-arranges to pay this when they list their property for sale, in order to attract realtors with buyers in tow.
You may choose to have the seller's realtor represent you as well, in addition to representing the seller. This is called "dual agency". You might expect that using one realtor instead of two would result in a lower sales commission being paid, enabling you to negotiate a lower purchase price. However, in the case of dual agency one realtor has to do the work of two agents. For this reason, in the listing agreement the seller usually provides for both commissions to go to his or her realtor when the buyer does not have a separate realtor, instead of the commissions being shared between a buyer's and a seller's realtor. This means the seller is unlikely to be able to reduce the price just because the buyer has not engaged a separate realtor.
Also, if you bring your own separate realtor to the table they may be more aggressive in negotiating on your behalf than the seller's realtor would be.
Besides helping you with searching for properties, with evaluating the pros and cons of specific properties, with negotiating favorable price and terms, and generally providing advice to help you make informed decisions, a realtor can also orchestrate the many details of a real estate transaction as your advocate.
You ought to expect adequate service from any licensed realtor, but how do you get the absolute best real estate professional? Are you wanting a sympathetic ear, a sophisticated market analyst, a tough negotiator, and a flawless contract writer on your side? Your agent should have the experience and confidence to know exactly what to do, the humility to switch gears when the fickle market proves him or her wrong, and the trouble-shooting skills to deal with issues which invariably arise. It's hard to say which personal traits are the most important ones in choosing a realtor, because there are dozens of things that have to be done before a sale goes through, and you need an agent who can do all of them well—a considerable challenge!
In choosing a realtor, the most popular way to start is to get recommendations from friends and relatives. Good, experienced realtors usually get 20% to 80% of their business from referrals like this, and it's a recommended approach to finding a reliable person.
What if a friend or relative is a realtor and you decide you do not want to use their services, yet you do not want to hurt their feelings? In this situation, a good strategy is to ask your realtor to agree to pay them a "referral fee", keeping everybody happy. A referral fee is a portion of the sales commission payable on the completion of your purchase, which may be from 10% to 50% and is currently most commonly 25%.
Another popular approach with which many clients feel comfortable, is to phone a realtor with large, impressive ads. Such a realtor may have hundreds of sales each year and be very knowledgeable on pricing. Unfortunately, they will be pretty short of time. In contrast, a realtor with few sales will be able to spend days or weeks combing the market to find exactly what you want, but may be less adept in other respects. Surprisingly, the average realtor has only about three to nine sales a year in this area. To get a realtor with ample market experience but still plenty of time to spend on your behalf, you may want someone who, if asked about their number of sales per year, reports a number above average but not extremely above average, and may have a strong team behind them.
A realtor with many years of experience in the business is likely to be good at negotiating, while a realtor fairly new in the business is likely to be up-to-date on current laws, regulations, and realty computer technology. A compromise recommended by one Real Estate Board instructor is to choose someone with an intermediate number of years of experience.
A cautious person will sometimes approach several realtors for assistance, fearing to rely on just one. Unfortunately, in practice this often leads to poor service and may result in missing out on an opportunity for your dream home at a good price. According to an article provided by the Vancouver Island Real Estate Board, "If you're a buyer, getting involved with several REALTORS can create unnecessary and confusing duplication of effort. In fact, buyers who deal with several REALTORS may miss out on the high level of interest and comprehensive service one is entitled to expect by working closely with a single, competent REALTOR." Realtors find out almost immediately when they are not the only realtor you are relying upon, and are likely to give you minimal service from then onwards. To avoid unintentional difficulties, tell them up front if you are soliciting information from multiple realtors.
Many clients prefer a big company, such as RE/MAX, the largest real estate organization within Canada. There's some security in such an approach, but ReMax offices and those of many other realty companies are independently owned and operated, so service varies somewhat from one office to another. What's more significant than the company, is the individual realtor with whom you will be dealing.
Above all, it's important to find a realtor with whom you feel at ease. Preferably interview several and choose the one you feel comfortable with, both personally and professionally. Such a person is likely to feel comfortable with you, understand what you are looking for intuitively, and make your priorities their own. If you can give your agent your trust and loyalty, they will give you greater dedication.
Rather than interviewing realtors before engaging them, buyers seldom bother to do so! By contrast, when people are choosing a realtor to help them sell a property, they often hold formal interviews of up to two hours each with two or three realtors. Yet, people choosing a realtor to help them buy property generally do not hold such interviews, even though there is just as much money involved when buying as when selling. Instead, buyers typically choose a realtor after chatting for a few minutes, usually on the telephone, or sometimes at an "open house".
After starting to work with a realtor, if a person becomes dissatisfied while searching for a home they can easily switch to another realtor. It seems too much trouble to hold one or more lengthy interviews just to choose a realtor, as compared with just trying one out and seeing how it goes. However, if they are shown their dream home by a less than ideal agent, someone not up to doing the best negotiating job, what then? They are well and truly stuck. Therefore, if at all possible, interview a realtor who prefers to start with a meeting of an hour or two, to get to know each other and determine if you are a good match. (If you need a set of interview questions, click here .)
Of course, if you are relocating and going to buy in a different province or country, it may be impractical to interview a realtor in person before you start working with them by phone, fax and e-mail. In this situation you may wish to contact a realtor where you live, tell them a little about your specific needs, and have them "refer you" or put you in touch with a suitable realtor located where you wish to buy. You can then decide, after talking by phone with your prospective realtor, whether you would be comfortable working with them. In most cases the referring realtor will receive a fee from your new realtor as a thank-you. Your new realtor, for their part, will strive to give you excellent service, in order that the referring realtor will continue to send them referral clients, who are much appreciated.
Clearly, the preceeding sections really just scratch the surface of what's involved in buying a home. No doubt you have questions about the rest of the real estate buying process. For example, what technology is available to find out about the best-priced homes before they show up on the publicly-available MLS (at which point it's often too late because they're already sold)? What are the techniques and options for negotiating the best price, and in which situation should each be applied? And many other questions. The many issues and details that can arise in the remaining steps towards buying your new home would fill a book.
Indeed, a number of authors have produced slim volumes. However, since any top agent can make more money in sales than in writing, no top agent is ever going to write a really thorough coverage of it. (They also have an incentive to keep their hard-won knowledge to themselves since it's a competitive business.) The best available booklet is free: "Buying a Home in British Columbia".) The best advice for getting through the process successfully, is to engage a really good realtor to work on your behalf. When you're working with a trusted advisor, things will go more smoothly.
Best of luck with your home search!
P.S., I hope you find this plain site useful, but if you want to check out a site with audio, video and other bells and whistles, click here.
Testimonials from past clients (used with permission) ...
"She worked around the clock to find exactly what we wanted. Rosemary expressed her opinions not only as an agent, but as a friend who always had our best interests at heart. She was prompt, courteous, and extremely helpful." —Carl and Sylvia Glinsbockel (Burnaby)
"We would like to acknowledge Rosemary Anderson's performance in our recent home sale and purchase. We have had experiences with several different real estate agents in the last several years, and without question, Rosemary Anderson is the best we have encountered." —Yvonne and Andrew Marr (North Vancouver)
"If you're in the market to buy or sell a home and are looking for a caring, honest and knowledgeable professional—Rosemary Anderson is that person." —Lee Paslowski (Vancouver)
"Thank you again for helping us find the most perfect home in the world. ...Never know when a friend will need the best realtor in B.C., we are never moving again!!!!" —Sue and Mike Johnson (Langley) For further testimonials, click here.
Rosemary's satisfied clients have put her in the top 10% of Greater Vancouver realtors (as certified by the Real Estate Board of Greater Vancouver) year after year.
Rosemary Anderson is no stranger when it comes to moving. Though she has lived most of her life in Vancouver, she's lived as far away as England, France, and Uganda, as well as in the U.S. and elsewhere in Canada, and knows first-hand the challenge moving can be both for the single person and for a family. That's why as a realtor in Greater Vancouver, she takes special care to make the process as simple and trouble-free for her clients as possible. She puts all her people skills gained as a wife, mother, realtor, former high school teacher and board chairperson, to work on your behalf.
Rosemary and her team members are especially known for having the market knowledge, business sense, and negotiation skills to make your move a success. From start to finish, they're friendly and efficient helpers by your side to lend a steady hand to the proceedings.
When you're looking for a realtor you can rely on, contact Rosemary's office. She's spent a large part of her life helping others make the most of their opportunities. She can show you how easy reaching your personal real estate goals can be.
E-MAIL: Office@TheBestForYou.com
PHONE TOLL-FREE: 1 888 840 2823, Canada and U.S.
OFFICE DIRECT: 604 266 2121
FAX: 604 263 1057
MAIL:
Rosemary Anderson
The RightHouse Team
RE/MAX Real Estate Services
Oakridge Mall - North Office Tower
Suite 410 - 650 West 41st Ave.
Vancouver BC Canada V5Z 2M9
