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Good shopper gets best deal on mortgage November IB By Harvey Tarsday CA a suit something why seldom shop around for a mortgage ax carefully as they should In today competitive mortgage mar jusi mokes good sense to shop for the best possible deal Before setting out on your mortgage shopping expedition it helps if you draw up a quick checklist so you con compare the vinous options you re offered and make a wise choice First of course you must determine how much you need and rind out what Then start i a number of lenders Banks and companies are the places to start But you might want to check out insurance companies credit unions and some gage brokers as well If you have enough cash or equity in your present home then most likely you II choose a conventional mortgage which has a ceiling of per cent of the value of he property you re buying Other types of mortgages ire the Ratio ich provides u to per the mortgage will limit you as to the type of property you can buy and re shopping for a conventional a MtytEYCARE mortgage you find thai interest rales arc rarely negotiable you pay the Tender going rale But can nego tiate other things like the repayment schedule prepayment privileges and the amortization penod Ask too ifyoucangeipreapproval of your mortgage and a commitment of say or days in case interest go up in the mean lime And find out if you can make bi weekly or weekly payments If paying weekly fin in with your budget this is definitely the way go if you want to Although your annual payments are about the same whether you pay monthly or weekly there one difference With a weekly sched because you re paying more I ly can reduce the ii on of your mortgage and save a amount of money Most mortgages are amor- wed over yean which means that monthly payments are geared to discharge the total loan in that time But by paying weekly you cut thai amortization period to 1 years Thai means that you have saved yourself the equivalent of monthly mortgage payments And that very big money Another way to save is prepay as much can So find out what your pnvi leges are Mortgages so bad provided you make use of all your options For s advice on TV sec Your Wealth available on broadens chin nets in Ontario and on satellite across Canada or see Money in the Bank on community cable channel central financial ad vice Canadas chartered taut Harre Taraday Laveothol Chartered Accountants REAL ESTATE are worth more than just a quick glance Have you taken a good look at our Real Estate pages lately You be surprised el just how many ads we publish When il comes to Real Estate Ihe more Ihe merrier is true More potenllal buyers more sellers More people advertising things for sale and somehow we get more That way it works It lakes buyers and sellers and we vo got thorn by Ihe thousands Buying or Selling Lets Discuss Your Real Estate Need No Cost No Obligation DAVE No Pressure Bus Res 8776262 COME IN FOR A CLOSER LOOK LOVE TO Then Giannunrn ham ii far you Ttlly In oak and brail microwave bill Ian muni Pint 3 and loU brick it 900 Call Braid B2 OFFERS WANTED On this almost new bedroom in a location Include BanotU bay window gitagt warrant and man Vendors to sal Can Cava Braid IT rS2 COUNTRY LOCALE PRICED RIGHT Looting lor homo but la a trait com muting Tbea check out tMi 3 on 1 acres 370 tact at Incluogs floor room with Asking CZ1 GarotHii Dibi ceniraRy located in George loan Nature too to mention Asking Phone me far details ADDITIONAL PROPERTIES AVAILABLE II 8775296 GRAND TRUNK 1 850 The Grand Trunk Railway built its line Georgetown 1356 Tho station just east of the Main Slreet over pass Casimir an exle from the Polish revolution organized his own heavy construction company in in Toron to and was responsible for Idlng of the Toronto Sarnia line Grand Trunk which passed Georgetown He also an Inlornational Bridge in Niagara A leading figure In Toronto s inner circles he became very wealthy and was eventually knighted He founded the Toronto Mills with his partner D MacPherson and eventually this mill manufactured tons nails as well as iron for the railway It was seen as a pioneering plant for large scale metal industry Many thanks to Walter Lewis Elaine Bertrand and John McDonald Sketches you have a relative here In the 1 800 If so please give a call at 877 5296 REDUCED 137900 what a For only SIM gtl a 3 torn tarn nam and par Vary bright kitchen walkout Iron raeai to ruly fenced Far Stable Keck LOOKING FOR A PROPERTY TOmVESTIN Tom tod pur ttn a ml teat hat a Unfit car ganga and an Two year least For mora