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14 The IFP - Halton Hills -Real Estate Leader, January 12, 2012 Movers' & Shaker's AIR, HEATING & FIREPLACE Marketplace AIR,HEATING & MORE Heating, Air Conditioning, Refrigeration, Energy Management, Commercial, Industrial Service, Installation, Maintenance Programs 24/7 Service Start FRESH for 2012! Call Amy Sykes to get started 905-873-0301 ext. 237 asykes@theIFP.ca 905.703.7609 FOR ALL YOUR RESIDENTIAL HVAC NEEDS. CALL TODAY FOR : · FURNACE SALES · INSTALLATION · HUMIDIFIERS · FURNACE MAINTENANCE · GAS LINES · SERVICE You Can Still Get a Variable Rate Mortgage Below Prime! The days of getting any sort of discount on a variable-rate mortgage appear to be over with most lenders. The mortgages, tied to prime, have become a mainstay of the housing market. While prime stood at 3 per cent at most major financial institutions, the discount has meant a rate as low as 2.1% at times this year - however, what was left of that discount has now disappeared at all the major banks. You have to go back to the credit crisis of 2008 to find a period during which the discount disappeared. At that time, consumers were paying a 100-basis-point premium above prime for the privilege of a floating rate. This makes the fixed rate mortgages appear to be the better option for now, but with the economy being what it is these days, if you are interested in a discount on a variable rate mortgage - a mortgage broker can still get you one. Call Peter Motem today to get preapproved at 416.786.8395 or email at pmotem@mortgagealliance.com W W W. G E O R G E T O W N H E A T I N G . C A 905-702-1212 / 416-222-9444 DISPOSAL CONTAINERS 519-853-3332 905-702-2339 1-877-633-6259 MORTGAGES mortgage service FREE HOME INSPECTIONS BRENT COOPER, RHI, CEA oahi.com MEMBER REGISTERED HOME INSPECTOR CERTIFIED ENERGY ADVISOR Since 1999 PRE-PURCHASE INSPECTIONS PRE-SALE INSPECTIONS WARRANTY INSPECTIONS ENERGY EFFICIENCY EVALUATIONS COMPREHENSIVE ON-SITE REPORTS (905) 877-7633 cooper@hbwi.ca MORTGAGE & REFINANCING Directly representing more than 30 banks to serve you better! By using the equity in your home, you may be able to refinance your mortgage and consolidate your debt. REAL ESTATE Payment $ 926.56 $ 926.56 Current situation Balance Payment New mortgage Balance Mortgage (@5.25%) $ 160,000 $ 953 Mortgage (@ 2.99%) $ 196,000 Loan $ 18,000 $ 540 Loan Paid off Credit Cards $ 15,000 $ 450 Credit Cards Paid off Penalty $ 3,000 $ 0 Penalty Paid off Total $ 196,000 $ 1,943 $ 196,000 That's a monthly savings of $1025.44 Find out how you can SAVE on interest and improve your CASH flow, CALL TODAY! 2011 Readers Choice Award Winner Kenzie MacDermid FSCO Lic. M08001440 ... INTEREST FREE LOAN to Help with Home Improvement Repairs When You are Listing with Us! ... FREE Professional Staging and Virtual Tours! ... Cormpilas Team's Seller/Buyer Guarantee & Benefits all@macdermidg roup.com www.macdermidg roup.com * 1.888.702.1766 L o c a l ly O w n e d & O p e r at e d 905-877-3629 www.RealEstateGeorgetown.com Angie Cormpilas Broker REAL ESTATE on orders $500 or more, It's worth the call . . . 905-873-6111 until Dec. 31, 2011 RENOVATION SUPPLIES WINDOWS & DOORS VISIT OUR S H OW R O O M 341 GUELPH ST. UNIT #3 GEORGETOWN New Year Flooring Resolution 25% Off Don't Just List ... Sell!! *Sales Representatives Flooring of all kinds Jan. 4 to 14 1800 Appleby Line, Unit 10 905-637-4446 x 229 habitathalton.ca Helen McLean* Direct Line: 905-691-8934 HomesByHelen@hotmail.com Arlene Lindsay* Direct Line: 905-691-4775 HomesByArlene@hotmail.com w w w. b u y w i s e . c a Your Window & Door Professionals SELF STORAGE & MOVING SUPPLIES Reclaim Your Space! · Residential Storage · Affordable Workspace · Commercial Rentals WHILE SUPPLIES LAST Save up to $39 for a Get Moving Starter Box & Supplies Package Reg. $79 Variety of Storage Units Moving Supplies www.amjss.com Hwy. #7 & Mississauga Rd. Access Hours: 6 am-12 midnight daily Office Hours: M-F 9-5, Sat. 9-4 2026 Hwy. #7 West, Brampton 905-459-5265 Did you know?... You can view the Real Estate Leader online Visit our website www.theifp.ca and click "Print Editions"