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    Fred Tam

    Real Estate Sales Representative

    Right At Home Realty Inc., Brokerage

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    Fred helped us find the perfect tenants. He followed up on all references and made sure they were a great fit. Everything was signed and wrapped up within a week! - John, Real Estate Investor

    Fred, you are amazing. And I have been in real estate for 17 years. You have been nothing but professional. Always on time. Always replying to messages. Always communicating in the most efficient way. Thank you." - Irina E., real estate salesperson from co-operating brokerage

    Fred had a great eye for scoping out affordable condos while providing us with research to weigh our options. He was very knowledgeable and able to explain to us the entire condo buying process so that we did not run into surprises. Friendly and great guy to work with! - Jeff, Real Estate Investor

    Fred was great! He was patient and really listened to what I needed! - Farrah, First Time Home Buyer and Real Estate Investor

    Fred really helped out with the purchase of a home.  We were considering areas like Etobicoke, Pickering, Toronto, until we finally decided on Scarborough.  He was professional throughout the process and was always available to answer any questions we had.  This type of Realtor really showed he cared about us.  I recommend Fred if you are looking to buy a home in the future! - Manyu, Real Estate Investor

    Fred was an excellent realtor. Super friendly and knowledgeable. He always walk through all our possibilities before making the next move and analyzing our best options. Definitely I would recommend Fred as a great Toronto realtor.

    Fred was very patient with my condo search. It took me awhile but I finally found the condo of my dream. He's a great realtor. I would recommend him to my family and friends! - Mei, First Time Homebuyer

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    Recent Blog Posts

    Lowest Mortgage Rate Since 2017 at 2.64%

    Thursday Jul 11th, 2019

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    The Canadian mortgage market is heating up. Ratehub recently reported the lowest mortgage rate in the last two years at a rate of 2.64%. This rate comes at a 5-year fixed mortgage. This is excellent news for home buyers. The rates earlier this year in 2019 were 3.3 to 3.4%. This decrease over time will surely inject a healthy amount of growth to the market. The impact to the impending stress tests that home buyers face also becomes slightly easier. The stress test created a barrier of... [read more]

    CMHC First Time Home Buyer Incentive Program

    Tuesday Jul 09th, 2019

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    What The Program Is The Program was announced in March 2019 and aims to make housing more affordable for first-time Buyers in Canada. The Canada Mortgage and Housing  Corporation (CMHC) contributes part of the downpayment in exchange for sharing in the appreciation (or loss) when the home eventually sells. This becomes a shared equity arrangement. For resale homes, CMHC will contribute up to 5% towards the downpayment; for new construction homes and condos, they’ll... [read more]

    Buy a home for 5% down. What you need to know.

    Sunday Jun 16th, 2019

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    Buy a home with only 5% Down? CMHC Any home purchased with less than 20% paid as a downpayment is dinged with mortgage insurance by the Canadian Mortgage and Housing Corporation (CMHC). This protects the bank, not you. This is there for the banks in case you default on your mortgage. Let's be honest. Banks and other lending institutions are handing out mortgages to people who probably shouldn't have qualified for what they were given. There's also a difference here... [read more]

    What is Land Transfer Tax?

    Friday Jun 07th, 2019

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    What is Land Transfer Tax? When you buy land or an interest in land in Ontario, you pay Ontario's land transfer tax. Land includes, but is not limited to, any buildings, buildings to be constructed, and fixtures (such as light fixtures, built‑in appliances and cabinetry). In addition, for certain transfers of land within the Greater Golden Horseshoe Region, a 15% Non‑Resident Speculation Tax (NRST) may apply. Land transfer tax is normally based on the amount paid for the land, in... [read more]

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