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UBC Homes - Mortage Tips

 

As a UBC Realty agent, I am consistenly asked by prospective homeowners about how they can save money on their mortgage.


Here in this week's UBC real estate blog, I would like to share 8 Money-Saving Mortgage Tips for homeowners in the UBC area:

 

1. Increase your payments towards your UBC home to the most you can afford. The upside is that most lenders will allow you to reduce the payment to its previous level if it turns out to be too great of a burden or if your circumstances change.


2. Utilize your RRSP-driven tax rebate as a mortgage pre payment method. Even if you can only prepay annually, make sure your tax refunds are set aside for paying down your UBC real estate mortgage. Many Canadians borrow (at prime) to buy an RRSP to ensure the maximum rebate. When applied to the mortgage principal, the resulting refund is a “gift that keeps on giving.” Combining the refund with the tax-free interest earned on the RRSP over the subsequent years will quickly outpace the short-term interest costs of the RRSP loan.


3. Increase the frequency of your UBC home payments. Make accelerated bi-weekly payments to get a “free” principal reduction equivalent to one full mortgage payment every year.

 

4. Increase your UBC home mortgage payments a set amount. Round up your payments by adding even a nominal amount of say $10 per payment; the amount of interest you can save is unbelievable. At the end of the month you won't "feel" that small contribution (the old "for the price of a latte" scenario) but your interest will - you win!


5. Use your pre-payment privileges when mortgaging a UBC Home. Make use of double-up privileges where possible. Tell yourself that you will “skip-a-payment” whenever necessary…then skip only when you absolutely must.

 

6. Take advantage of your lump sum payments when available.  Pay a lump sum towards your UBC realty purchase whenever possible to decrease the principal of the mortgage. Your regular payments will not be allocated as much to interest, which will accelerate the end of your mortgage.

 

7. With your annual income increase – consider increasing your UBC home mortgage payments. Raise payments in line with increased income on an after-tax basis. You've adjusted perfectly well to your lifestyle on your past income so why not speed up the process on completing your mortgage? Sure, the extra disposable income may be fun to spend in the short-term, but the long-term benefits of being mortgage-free at a quicker pace definitely outweighs the immediate "sacrifices".


8. Stabilize your UBC real estate mortgage payments even when interest rates drop. Keep payments the same when mortgage rates have fallen if the payment amount has not been difficult to maintain thus far. Then, keep it the same, thereby paying down the principal faster.


I hope you found these Money Saving Tips for UBC real estate purchaces helpful. Of course there are many things to consider when planning to purchase UBC realty and that is what I am here for. Contact UBC Homes today and find out how pleasant I can make the experience of buying a home in the UBC area for you and your family.

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Aside from welcoming a newborn into the world, a visit to the hospital is rarely a pleasant experience for anyone, especially when a doctor or nurse pokes a needle in your arm. I certainly never enjoyed this experience when I was growing up.

 

However at the same time, living close to a hospital can be a blessing if you or someone in your family requires immediate medical attention. It is a blessing indeed for residents living in University Neighbourhood Association & University Endowment Land, as medical assistance is never too far away. As a UBC Realtor I can say that one of the most often asked questions posed to me by family units seeking homes in the area is in regards to the proximity of essential health facilities, beyond that of standard community walk-ins. While there are indeed fantastic facilities ranging from a UBC dental clinic a quick jaunt down Alma street, to a physiotherapty centre in the John Owen Pavilion, and even a holistic alternative health options in the area, our residents enjoy peace of mind outside of these convenient options.

 

Located on 2211 Wesbrook Mall, in the heart of UBC campus and within close proximity to UBC homes in the area, is the UBC hospital. The UBC Hospitalcr Urgent Care facility offers specialized treatment for non-life threatening medical emergencies by emergency trained doctors and nurses. This is a critical service essential to residents, faculties, and students.

 

Part of the Vancouver Coastal Health, UBC hospital is equipped with latest medical equipment and dignities instruments to give accurate diagnose to its patient.

 

The hospital is in the process of expanding as well. The new Djavad Mowafaghian centre for brain health at UBC hospital will be opening in the summer/fall of 2013. This is a new facility that will combine patient clinics and research in the area of neuroscience, neurology, and psychiatry. It is the first time that all the multidisciplinary areas of brain health are put together under one roof.

 

This is welcoming news as current and future UBC residents will be able to access these medical services.

 

With every new UBC real estate development in the area it seems that the services provided to the community grow exponentially as well. As a UBC Realtor I am happy to see that the area is indeed becoming a completely self-sufficient entity with even greater potential in the future. UBC homes will continue to provide both current and future residents with up-to-date information not only on UBC condos and the like, but valuable community information as well.

 

Until next time, stay happy & healthy!

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Wesbrook Village UBC Real Estate

 

Many that have previously worked or studied at UBC are often drawn back by the real estate developments in the area. The Campus landscape is not what it used to be 10 years ago. Many old buildings have been renovated while brand new buildings have been constructed. The topic of today's UBC Realty blog is in regards to the recent UBC real estate development in Wesbrook Village.

 

This new area, in my view, is the most exciting of them all. Wesbrook Village is the area located between W 16th AVE and SW Marine Drive. It is at the South Campus of UBC. The original Community Plan for Wesbrook Village was for 5,000 residents. However, in the latest Land Use Plan Amendment, the community is projected to grow to between 10,000-15,000 residents in 20 years.

 

As the community of Wesbrook Village grows, so is the number of shops and services. Currently, there is a Save-On-Foods, a Royal Bank of Canada, a BC Liquor Store, and the Mozart School of Music. Recently, the new University Hill Secondary School just opened its door to welcome its students in January.

 

Future development includes a new community centre, residential housing, and commercial spaces. Although the area is undergoing a tremendous change, UBC real estate and area development regulations also require that the area have certain Parks and Recreation facilities for its residents. For every brick and mortar an equal (or more) amount of green space is being created/maintained and that is one of the most important developments to the proud UBC community. 

 

I am sure as the area grows more people will be looking for UBC Condos and Townhouses in the Wesbrook Village. As a UBC Realtor, I am here to provide valuable resources for future residents and to help them make the right move to this incredible living and learning environment.

 

If you are considering a return to, a transition within, or are joining the UBC Community for the first time, please do not hesitate to contact my UBC real estate office today or call me anytime directly at (778) 991-0649. 

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I feel so blessed everyday to have the opportunity to live and work in UBC. As a UBC Real Estate Agent it is always a pleasure to show properties to buyers planning to move in to this great neighbourhood.

 

Buyers that are new to the area may not be too familiar with the surrounding neighbourhood. That's what I'm here for. In addition to providing you all with up to date information on UBC real estate market trends and the like, I continue to use this blog as an opportunity to introduce you to some of the beautiful areas in and around UBC.

 

Take Spanish Banks for example. I was there this morning. The weather was absolutely gorgeous and i took a panoramic shot of the Spanish Banks Beach Park to prove it. This is a stunning beach park on the north-east side of UBC. It is about 5 KM from UBC Campus. You can drive, bike, jog or walk there. I have done so many times in the morning, jogging from UBC Hampton Place to Spanish Banks Beach Park.


In addition to its walking trails and stunning views, Spanish Banks beach park offers plenty in the way of amenities including expansive parking lots, BBQ pits, beach volleyball courts, concessions, restrooms, showers, and park benches for everyone’s enjoyment.


If you are preparing for a move to the UBC area please feel free to contact my UBC real estate office today. Otherwise I am honored to have you "stay in touch" by following me here on my UBC Realty blog.

 

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