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Two developers are going back to the future to help make it easier for some Winnipeggers to buy a downtown condominium.

The developers behind the heritage-building conversions at 111 Princess St. (the former Penthouse Furniture Building) and 128 James Ave. both plan to offer a rent-to-own option when they begin marketing condos within the next few months.

In the case of 128 James, James Avenue Holdings Ltd. plans to give prospective buyers the option of signing one-, two-, or three-year leases. A portion of each month’s rent, which will be set higher than they would normally pay, will be put into a special account for use as a down payment on the purchase of the unit when the lease expires.
Taurean Global Properties, which is converting the Penthouse building into 60 condos, hasn’t worked out the details yet for its rent-to-own package, which will be administered by an outside party.

Both James Avenue Holdings president Kurtis Sawatzky and Taurean Global spokesman Alf Kaech said the idea is to give people who can’t afford a condo right away an opportunity to save up money and purchase one a few years down the road. “It definitely gives them some options,” Kaech said. “We’re excited to be able to offer it.”

“We’re just trying to be a little innovative in what we do,” Sawatzky said. “It’s just another wrinkle in our marketing approach.”

Bill Thiessen, the Re/Max Professional Realty agent who expects to begin marketing the James condos within the next few weeks, said rent-to-own isn’t new. He remembers hearing about it when he started selling homes in the 1980s.
But it hasn’t been used much in recent years, he said, adding he isn’t aware of any other local downtown developers offering the option.

Thiessen, one of the most active agents in the downtown condo market, said he expects some tenants to jump at the chance to rent for a few years before buying.

“It’s basically a forced savings program, which can help you make the transition from renting to owning,” he said. “Sure your rents are going to be higher, but very quickly you’re going to create this pool of equity.”

Thiessen said the lease can also stipulate what the purchase price will be at the end of the lease, “so it takes away all of the unpredictable parts of it.”

Sawatzky said he plans to sell three of the 10 condos in the James building and to rent out the rest. He’s also willing to rent out some of the units month-to-month in case prospective buyers want to see if they like living downtown before committing to buy. The only catch is if the unit is sold, they will have to move.

He said rent-to-own is best suited to people who are already committed to living downtown because they won’t get their money back if they change their mind.

That’s because his company will be holding the unit for them and will be paying the property taxes and other costs during the leasing period.

Sawatzky said most of the rental units will have two bedrooms and range from 976 square feet to 1,138 sq. ft. The basic monthly rent will be $1,450 to $1,695, depending on the unit. They haven’t decided yet what the additional premium will be for the rent-to-own program.

Kaech said Taurean Global will likely set aside 10 to 12 units for its rent-to-own program. The rest will be sold.
The James project is one of two condo developments Sawatzky is involved in. Another company he partly owns — Stonebridge Development Corp. Ltd. — is converting the former First Church of Christ, Scientist Church at 511 River Ave. into 46 one-bedroom condos.

The company has spent the last two years preparing the building for redevelopment, but has now started construction with a goal of having the condos ready for occupancy a year from now, he said.

Stonebridge had originally hoped to have that project completed before the end of 2009, but Sawatzky said it took longer than expected to obtain city permits and to complete the design and financing.

But that’s all done now, the interior has been gutted, and they’re starting to pour concrete footings in the basement for the new support beams that will hold up the four new interior floors.

http://www.winnipegfreepress.com/opinion/columnists/condo-living-in-core-made-easy-a-look-at-three-condo-developments-in-winnipeg-134579708.html

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Long-craved goal of home ownership not for everyone, says financial consultant

While most Canadians pursue their dream of home ownership, Neil Jain is basking in the financial flexibility of rental living.

The financial consultant with Money Life Skills says some people can get further ahead by investing surplus income in the stock or bond markets than sinking it into a purchased residence.

“If you’re smart, the difference you save between renting and owning a home you can invest that over the long term and make a lot more money and have a significant nest egg,” he said in an interview from Toronto.

Investing in the markets holds risks, but there shouldn’t be big fluctuations over a 20- to 30-year time horizon, he said.

Low vacancy rates show that many Canadians are opting for the cost certainty of rental living, he said. Government rent controls in many provinces limit annual increases. Ontario has set the 2011 rent increase, for example, at 0.7 per cent.

Far too many prospective buyers fail to look at the total cost of ownership and simply compare rent to mortgage, Jain said.

Home ownership includes property and land transfer taxes, fees for inspectors and lawyers, insurance, municipal welcome taxes, moving costs and real estate fees for sellers.

Condo owners are also on the hook for higher fees if the reserve set aside in new buildings fails to cover maintenance costs. But as a renter, Jain said he wasn’t affected when his unit’s owner saw fees for his Toronto condo soar by 80 per cent.

Jain acknowledges that home ownership is a lifestyle choice and a form of forced savings for those who wouldn’t otherwise invest.

“I can see how it makes sense for people with young families to own a home in the suburbs and have the space that they need, but trying to time the market so that you can make money on real estate is a tricky business to be in.”

While the affordability of homes may be forcing some potential buyers to shun the housing market, the dream is alive and well for many Canadians. Parents who have seen their property values skyrocket have long urged their children to follow their example.

And close to 70 per cent of Canadians have obliged, urged on by low mortgage rates and affordable prices in many parts of the country.

“Home ownership is something that everyone aspires to,” says Farhaneh Haque, regional manager and a mortgage specialist for TD Canada Trust.

For many Canadians, especially first-time buyers, it’s a question of timing, she said in an interview.

“There is a sense of pride and accomplishment in any ownership as opposed to not owning something, but it is a personal preference.”

The key is to carefully assess your personal financial situation to avoid compromising lifestyle to get into a home, she said. Factors to consider include career status, financial health and credit payment habits.

Recent TD polls shed some light on the home buying views of Canadians.

Some 45 per cent of those surveyed said they will buy their first home independently, including 57 per cent men and 33 per cent woman. And one-third plan to buy a home with a rental unit to pay their mortgage faster or help them live more comfortably and boost savings.

More than 60 per cent of young, urban Canadians said affordability drove them to look for or buy a condo. But 65 per cent wished they had the money instead for a single house.

Many of those polled said they viewed a condo purchase as a stepping store to their ultimate home-ownership goal. Nearly 50 per cent said they planned to stay put for less than six years.

Many first-time buyers enter the market by purchasing a condo downtown and then move to spacious homes in suburbia following the arrival of children.

Moving quickly may not be the best strategy because of costs. And homeowners shouldn’t count on higher selling prices to help them move up the real estate ladder, said Jain.

Toronto’s real estate market didn’t fully recover from the 1989-1990 crash until 2007, when accounting for inflation, he noted.

“That’s a long period of time to wait to recover your investment so housing has much longer cycles than the stock market, so if you are on the wrong side of the cycle then it can be a long, long time before you recover you’re money.”

http://www.winnipegfreepress.com/business/breakingnews/125167559.html

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BMO: Time for Homeowners/Prospective Buyers to Stress Test their Budget

Talk to a BMO Bank of Montreal banker about considering a bigger downpayment and reducing the amortization on your mortgage to save money

The housing market in Canada has seen existing Canadian home sales surge 76 per cent from their January lows. Not only that, in November, existing home prices spiked 19 per cent above year-ago levels, the second fastest clip in two decades. With record low interest rates, more people than ever are looking to purchase a home. However, BMO experts are predicting that interest rates will rise in 2010.

“We expect the Bank of Canada’s overnight rate target to climb from 0.25 per cent beginning in July 2010, to 4.25 per cent in mid-2012. In turn, consumers can also expect mortgage rates to increase,” said Sal Guatieri, Senior Economist, BMO Capital Markets. “While today’s ultra-low borrowing costs represent a unique opportunity to purchase a property, home buyers need to proceed with caution and keep in mind that renewal rates will likely be substantially higher in coming years.”

“Stretching the limits of your budget by choosing the maximum amortization period and a minimum downpayment leaves you little wiggle room to deal with an unexpected financial challenge,” said Jane Yuen, Senior Manager, Mortgages, BMO Bank of Montreal. “A meaningful down payment and shortening your amortization by making extra payments on your mortgage will save you tens of thousands of dollars in interest costs.”

http://www.newswire.ca/en/releases/archive/December2009/22/c5258.html

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New City Winnipeg Tax Assessment System

When REALTORS® do a comparable market analysis, or CMA, on a property; they apply their expertise to a rigorous review of sales and listings of similar properties to determine what this property should sell for on the MLS®. If a property goes on the market this month, the CMA provides a sale price based on current market conditions, including other competing listings, prospective buyers for that type of property and the real estate market in general (e.g. consumer confidence, interest rate environment, etc.)

Accepting the final sale is an arm’s- length transaction, meaning it occurred on the open market between a willing buyer and a willing seller. The sale then potentially provides a good reference for others to as certain what their property may be worth when sold on MLS®.

Over the last year, the city’s property assessment department used 200,000 properties in Winnipeg to determine on a given date what each property would sell for on the open market. The new assessment roll for June 2010 property taxes is based on the market value of properties in April 2008. Continue reading

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