Todd Fryer - Blog - Todd Fryer

Recent Blog Posts by Todd Fryer
Busy Spring Market Major Canadian housing markets have continued to show "exceptional resiliency" so far this year, setting the stage for a busy spring, according to a major Canadian real estate organization. In its market trends reports, Re/Max said its survey has found that 12 of 15 Canadian centres, or 80 per cent, reported sales activity in January and February that was ahead of last year's levels. More than ... Posted by Todd Fryer on March 28, 2012		More
Mortgage Life Insurance: Why I passed Mortgage life insurance: Why I passed By Robb Engen SHUTTERSTOCK Mortgage life insurance is marketed by the banks as a flexible, low-cost way to protect one of your largest financial obligations. If you face a terminal illness, or have a serious accident, mortgage life insurance can help you out. It will pay for such things as: The outstanding ... Posted by Todd Fryer on March 21, 2012		More
When to Consider Raising Your Home Buying Budget When To Consider Raising Your Home Buying Budget When To Consider Raising Your Home Buying Budget Setting a budget for your home purchase is an important decision. You need to know how much you can afford each month and translate that into the amount you can afford to take out on your new mortgage. When you start house hunting with that budget in mind, you may find that you are not seeing ... Posted by Todd Fryer on February 28, 2012		More
5 Reasons why the Canadian Housing Market won't Crash 5 reasons why the housing market won’t crash By Larry MacDonald \| Canadian Business Online The media and blogosphere is full of predictions that the housing market in Canada is going to crash. My hunch is that it won't. It could level off or stagnate for a while, but Canadians aren't going to wake up one morning a year or two from now and discover their ... Posted by Todd Fryer on February 8, 2012		More
Energy Efficiency Worth the Effort Energy efficiency worth the effort By Helen Morris, Nest Egg As temperatures head down to their seasonal norm, we’re turning up the heat at home. That means higher bills, but having an energy-efficient home can keep heating costs under control. EnerQuality designs and operates five “green” building standards for the construction industry in Ontario. ... Posted by Todd Fryer on January 14, 2012		More
Should I Wait Until Spring to Sell My Home? Should I Wait Until Spring to List My Home? by Simon Gianini As we roll through the holidays and into winter, many would-be sellers will be holding off on listing their home, waiting for the spring “selling season” to put their home on the market. But if you’re ready to sell your home now, is waiting until spring the best strategy? Not according to the data, ... Posted by Todd Fryer on December 26, 2011		More
Interest rates low until 2013 Interest rates low until 2013 He gave no indication, however, whether his next move might be to actually reduce the trendsetting overnight rate from the current one per cent, as at least two major economists have urged. In a speech to a business audience in Montreal, the central banker made clear that he sees recent indicators that the Canadian economy rebounded strongly in the ... Posted by Todd Fryer on November 29, 2011		More
11 money saving winterizing thing to do now 11 money-saving winterizing things to do now Outdoor maintenance took a backseat to summer pleasure at my house. But with fall officially here, it’s time to clean up my act and the exterior of the house before winter sets in. According to the Canada Mortgage and Housing Corporation (CMHC), fall can be the most gruelling season for your home, and I would add, the owners. Thousands ... Posted by Todd Fryer on November 13, 2011		More
Variable Rate vs. Fixed Rate ??? Variable Rate vs. Fixed Rate: Which Way to Go? . You can’t read a paper these days without crossing paths with dramatic headlines about economic distress, extreme volatility in the equity markets, and a general feeling of financial malaise brewing in various pockets of the globe. Even the most casual observer can string together with some ease, the relationship between cause and effect, ... Posted by Todd Fryer on November 13, 2011		More
Where are Canadian Interest Rates Heading Where are Canadian interest rates heading? Date Posted: October 3, 2011 Rob McLister, editor of Canadian Mortgage Trends One could wax on about how grim the United States (US) economy is, but Mark Carney put it succinctly: “The (U.S.) housing market remains a mess, the consumer is weak, and government actions can be expected to reduce growth…The U.S. economy is close to ... Posted by Todd Fryer on October 5, 2011		More
Housing crash not in the cards, CMHC signals Housing crash not in the cards, CMHC signals OTTAWA — A much anticipated correction in the Canadian housing market is not in the cards, according to a report by the Canada Mortgage and Housing Corp. In its third-quarter market outlook, the national housing agency forecasts the market will ease slightly but “remain steady”this year and next. “Housing ... Posted by Todd Fryer on August 30, 2011		More
Market chaos could help housing sector Market chaos could help housing sector By Tony Wong The upside in a global stock market rout may ironically be a healthier housing market – at least in the short term, say economists. “The housing market has nine lives. Every time interest rates are supposed to go down, something happens and it helps to keep the market going,” said Benjamin Tal, senior economist at CIBC ... Posted by Todd Fryer on August 17, 2011		More
Mortgage rates could fall? Mortgage rates could fall on market slump Date Posted: August 10, 2011 Globe and Mail Update Canadian fixed-term mortgage rates could fall to even more affordable levels after roiling financial markets pushed the yield on five-year government bonds to record lows on Tuesday. As investors fled equities in recent days, money poured into the haven of Canadian government bonds, pushing prices up ... Posted by Todd Fryer on August 11, 2011		More
Don't be afraid to leave your bank for a better rate Don't be afraid to leave your bank for a better rate Are the banks doing an incredible job of retaining customers or are Canadians just too lazy to shop around when renewing their mortgages? One finding of a survey by Canada Mortgage and Housing Corp. released this week was that 89% of consumers renewing their mortgage stay with the same financial institution. And 68% ... Posted by Todd Fryer on June 28, 2011		More
In Search of the Perfect House In Search of The Perfect House NORMAL MAINTENANCE If you strip away the cosmetics, a house is made up of the structure, roof, building envelope and the systems of the house. The systems are things like heating, cooling, plumbing, and electrical. All components and systems eventually wear out. Fortunately, they don't all wear out at the same time. Different components have ... Posted by Todd Fryer on May 29, 2011		More
Landscaping on a Budget Landscaping on a budget You've finally decided it's time to start that big landscaping project for your home. You've got the dimensions of your yard, you know the local zoning rules, you've found your inspiration from various magazines and books, and now it's time to call a landscape professional to determine how much it's all going to cost. Here's a heads-up: it is going to hurt, a lot. The ... Posted by Todd Fryer on May 25, 2011		More
New Promotion with Geek Squad New Geek Squad Partnership Best Buy Canada and CENTURY 21 Canada Announce New Geek Squad Partnership If you purchase a new home through CENTURY 21 you can get one of three Geek Squad services for free! Best Buy Canada, the fastest growing retailer and etailer of consumer electronics announces a new partnership between Geek Squad and CENTURY 21 Canada – part of the world’s ... Posted by Todd Fryer on May 16, 2011		More
First Time Home buyers First time Home Buyers: You can still add another Key…Safely. Feb 7, 2011 // by FryerMcMillan Here at FryerMcmillan Group (FMG) we work closely with Mortgage Brokers but we are not in the Mortgage business. Of course, we understand that most people who are buying will need to qualify for a loan in order to complete the transaction. We are careful however, to view changes to these ... Posted by Todd Fryer on February 7, 2011		More
Shovel and Sell Shovel & Sell Jan 31, 2011 Here in the Golden Horseshoe area and all across North America everything is covered with Snow. Besides the obvious inconveniences it presents, it is particularly troubling for both Buyers and Sellers and for those of us who represent them. Let’s be honest, even the most beautiful home loses a little bit of its pizazz during winter especially when ... Posted by Todd Fryer on January 31, 2011		More
3 Ways to Sell Faster and Buy better 3 ways to Sell FASTER & Buy BETTER Jan 24, 2011 // by FryerMcMillan Few of us will live in the same house forever. Most of us will have occasion to sell our home at some point in our lives. Perhaps, we may even do it multiple times. When those times arrive, it is often an emotional decision as well as a logistical roller coaster. It is a challenging mix of anticipation and ... Posted by Todd Fryer on January 24, 2011		More
5 Quits for a Better Real Estate Blog 5 “Quits” for a Better Real Estate Blog -Jan 17, 2011 Our Weblog at toddfryer.com is new and many of our colleagues and friends think it’s great that we are embracing the Online Channel and using Social Media to reach wider audiences so that we can ultimately have a broader market for our Clients. They also express curiousity and concern about how they can develop fresh content ... Posted by Todd Fryer on January 19, 2011		More
The power of saying "I don't know" .The Power of Saying "I Don't Know" Articles & Reports Column by Janine Popick, Inc.com "Girl Power Female CEO's" February 11, 2010 Imagine six business colleagues in a meeting and the leader of the meeting says: "Did everyone get the TPS report?" Everyone in the room nods. If you have no clue what a TPS report is and you’re like me, you raise your hand and say, "At the risk of ... Posted by Todd Fryer on January 15, 2011		More
Great Teams It’s More Than Just The Sale Throughout history Duos have done amazing things. If you really think about it, we have had some truly awesome people who pooled their talents and were able to accomplish much more than each would have done on their own. Some of them did things that were actually good, such as Watson and Crick who led the way to discover the structure of DNA. Of course, there ... Posted by Todd Fryer on January 10, 2011		More
Mortgage Rates This weeks Mortgage rates: Best Rates VRM - 2.25% 1 yr - 2.30% 2 yr - 2.85% 3 yr - 3.15% 4 yr - 3.39% 5 yr - 3.49% Source: Mortgage Brokers City. Posted by Todd Fryer on November 13, 2010		More
Interest Rates The federal government has no plans to clamp down on the housing market with new, tougher rules for mortgages, the finance minister says. But Finance Minister Jim Flaherty said he's not against the idea if the market changes. "Our concern is always ensuring that the housing market does not overheat, and in particular that the mortgage market does not overheat," Flaherty said Monday. Concerns ... Posted by Todd Fryer on October 14, 2010		More

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