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2 Real Estate: The Oakville Beaver, Wednesday February 8, 2006 - Save your money with a "no haggle " mortgage (NC)--With mortgage rates still relatively low and competition fierce, many financial institutions have introduced mortgage offers with up front discounts on the rate, so you don't have to worry about negotiating the rate down. These discounts are available with a variety of terms and types of mortgages. Financial institutions are offering discounts on both fixed rate mortgages (where the inter est rate remains constant for the duration of the term) and on variable rate mortgages (where the interest rate fluctuates with the prime rate). Split-level discounts can also be given. These are mortgage offers with an introductory or promotional discount for the first few months, followed by a smaller, but still significant, discount for the remainder of the mortgage term. An example would be CIBC's Better Than Prime Mortgage and Better Than Posted Mortgage. To illustrate, their Better Than Prime Mortgage is a 5-year closed, variable rate mortgage with an introductory discount of 1.01% off CIBC prime rate for the first 9 months of the term followed by a rate of 0.25% below CIBC prime rate, for the remainder of the 5-year term. If you are looking for a fixed rate product, the Better Than Posted Mortgage has introductory dis count of up to 2.01% off their posted rate for the first 9 months of the term followed by up to 1.00% off their posted rate for the remain der of the term. While the interest rate is an important factor when shopping for a mortgage, it is not the only consideration. Other things to con sider when choosing a mortgage include the length of mortgage term; whether the mort gage is open or closed; options for cash back or rewards points; the prepayment privileges; and how easy or difficult it is to break your mortgage term, if you need to. These are all questions for your Personal Banker and should be asked as soon as you are ready to buy a home. SALES REPRESENTATIVE O a k v il l e 's #1 I n d iv id u a l S a l e s R e p 9 Y e a r s C o n s e c u t iv e l y Aboutowne Realty Corp., Realtor 905.338.9000 cpickett@tap.net NO LICENCED ASSISTANTS When you list with me, MY SALES OBJECTIVE: To sell vour home in 30 days or less for 98% to 100+%. MY SALES STATS: Average sales ratio is over 100% of list price.® UNBELIEVABLE! Absolute-show home in Joshua Creek on a 178ft deep lot with Roman style pool, hand crafted cedar deck/hot tub/cabana/trees! Former model home with gorgeous extras plus a fully finished basement. Four+1 bedrms, 5 bathrms, library," fabulous kitchen, hardwd, marble, granite etc. A must see! Walk to schools, parks, shopping etc. q > o 2 4 ,U U U CRESCENT LOCATION Nearly new National built home in West Oak Trails. Approx., 3025sq ft, five bedrms, 2 ensuite bathrms, main floor den, kitchen open to family rm, large living/dining rms with gleaming hardwd floors. Slate look ceramics, wrought iron spindles on staircase, smooth, ceilings, pot lites, gorgeous stained glass front "doors & high effic furnace. SURROUNDED BY GREENBELT Th'is immaculate freehold townhome backs onto greenspace and fronts onto woods! Approx., 1800sq ft, 3 bedrms, 2.1 bathrms, open concept main floor with upgraded kitchen & hardwood floors. Very quiet location,! small enclave of homes, walk to all amenities from this Joshua Creekj location. <K3QQ 0 0 0 $525,000 REFRESHINGLY DIFFERENT! Very charming Cape Cod style custom built home in Bronte steps to lake, harbour, nature trails & skating pond. Ten years old with lovely flowing floor plan, four bedrms, 3 bathrms, hardwd floors, finished basement with walk-up & large windows. Large treed lot with room for a double car garage, has new bi-level deck & hot tub ^ r r n r\r\r\ pad. q > 5 5 y ,U U 0 QUIET CUL-DE-SAC South west Oakville location, walking distance to Appleby College & surrounded by multi million dollar homes! Stately custom built four bedrm, 3.1 bathrm home offers a finished walkout bsmnt to a huge 75 x 144ft lot with creek & greenbelt behind. Gleaming hardwd floors, oak kitchen open to family rm, many updates in the last & , 0 , r.riri 5 years. ___________________________________ q > 6 o 6 , 0 U U AWESOME LOT! Larger than your average bungalow in south west Oakville on over 1/2 an acre lot, cul-de-sac location. Fully finished walkout bsmnt with family rm/2nd fireplace, nanny suite, sauna. Three bedrms up, ensuite bathrm, large eat-in kitchen, dark hardwd floors, huge L shaped living/dining rms. Immaculate home ready for <t/£CQ n n n a reno but lovely as is! CpODy ,U U U 3 3 1 5 V IC T O R IA S T R E E T B ro n te 32 7 M A PL E G R O V E R O A D E ast Oakville 2 3 0 0 PARK HAVEN BLVD River O aks Sold For 99% of List Price Sold For Over 95% of List Price Sold For 99.3% of List Price