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Real Estate: The Oakville Beaver, W ednesday A p ril 5, 2006 - 2 5 First-time home buyers - saving that downpayment You can save your downpayment faster with these tips For many first-time homebuyers, the thought of saving a substantial amount of money for a downpayment can seem over whelming. But there are several ways to make a downpayment a lot easier and have you into your new home faster than you'd ever imagined. So, here are a few tips on how to get your downpayment together: you to use your RRSP savings toward the purchase of a home. If eligible, you and your spouse may withdraw up to $20,000 each from funds that have been in your RRSPs for at least 90 days. The funds aren't taxed as long as you repay the total amount to your RRSP over the next 15 years. Your payments don't have to start until the second year - -- ------' after the initial withdrawal. Mutual funds. Saving for a home doesn't mean you have to put your retirement planning on hold. Lower-risk savings mutual funds are great for achieving short term goals like saving for a downpayment, while other funds can offer higher returns for a longer-term invest ment. -News Canada SOUTHEAST | Use GICS to help you save, GICs offer you competitive rates of return and offer a safe, secure way to grow your savings. For flexibility, yoii can choose from a variety of terms. Choose non-cashable GICs and you won't be tempted to dip into your savings. " ' "8TM ' ' " Invest in yourself first No doubt you think that paying your monthly bills is an important financial commitment. And like many people, you may also consider savings or invest ments to be purely optional. However, if you can commit yourself to paying everyone else, you can make the same commitment to yourself. Set up a sav ings or investment plan and start mak ing payments to it, just as you do for your other creditors. Re-organize your finances and you may find the money you need. Often, finding extra money for sav ings is as easy as reorganizing your budget. Managing your money a little differently, perhaps by consolidating your debts, can sometimes free up the extra money you need. PERFECTION PLUS Totally updated kitchen / baths / windows / floors & more +++. Fabulous Great room addition opens to manicured gardens & flagstone patios/walks. Fantastic lower Ivl beautifully finished plus storage space galore. Steps to take. Immed. ' poss. MLS#1072245 Please call Anell*** orAme* a lia Sa l es R e p r e s e n t a t i v e ROYAL LePAGE H B H IIIIIIIIIIIIIIIIIIIIIIIIII : President's j^ A v a id ^ M lllllllllllllllllllllllll m Royal LePage Real Estate Services Ltd., Broker ; °« * Pf ^ ^ j| annel4@cogeco.ca · www.annemariecarr.com 905.580.2802 905.338.3737 GOLD N/BURLINGTON & SECURITY at the Balmoral One. 2 huge bdrms, plus Open concept kitchen overlooks living & dining rooms leading to Irg balcony w/2nd balcony off the mstr bdrm. Immed. poss. MLS #1071337 or H229629 Please call 1003 WESTDALE ROAD *Muskoka in the city ` Million dollar lake views from the liv ing, dining, family & master bedrooms *.39 acre tot?4 bed room home of distinction, shows like a Home and Garden dream home *Peace & tranquility abound ` Timeless in design & achieves the rare blend of luxury with warmth and comfort ` Steps to Lake Ontario & Appleby College BEAUTIFULLY RENOVATED ` Gourmet kitchen with granite countertops & built in stainless appliances ` Master bedroom boasts fab ensuite & woodburning fireplace *3 Walkouts *4 bedrooms, 3 full bathrooms ` Private backyard with mature trees & lush gardens Anell*** Consider tapping into your RRSPs. RRSPs are a good way to secure your financial future while enjoying tax ben efits today: Certain buyers may qualify for the government-approved CIBC RRSP Home Buyers Plan that allows CENTRAL OAKVILLE Steps to lake, Rosehaven premium 53 foot lot 'Maple hardwood slate & ceramic throughout main fir Upgraded maple kitchen cabinetry, & granite c/tops. Cafifornia shutters_*Great deck - fully fenced on Chartwell! Absolute Charm! 3 Bedrooms. Formal.Living and Dining Rooms. Cozy Family Room. Fabulous 75 x 150' treed lot. Immed. poss. MLS # 1072873 Please call Anell*** COURT LOCATION S POOL ` Gourmet kitchen with walkout to stunning pool ` Gleaming hardwoods & ceramics throughout ` Fabulous master bedroom with jacuzzi, spa shower & gas fireplace ` Walking distance to lake, wooded lots, parks & trails A new lifestyle awaits you. Close to,town (Rebecca & Dorval) "Barclay Square" is an ideal complex for you! Man floor master bedroom and ensuite. Secluded Den. Open concept LR/DR & Kit w/skylight & doors to the garden. The upper level provides your guests with the 2nd bdrm, 4 pee bth & Loft! Immed. Poss. MLS #1073258 Please call Anell*** or Mary-Jo** WEST OAK TRAILS PREMIUM PIE LOT ON NIGHTINGALE Beautiful West Oak Trails 4 bedroom home on premium pie lot overlooking ravine. This home has hardwood floors, California Shutters, Stainless appli ances, main floor family room and office. 2186 Nightingale W ay. MLS #1072150. Please call Linda* BEAUTIFUL " TURN K E Y "F A M ILYHOME ON QUIET S T R E E TIN WEST OAK TRAILS HOME INSPECTIONS PRUDENTIAL ROSS WILLIAMSON Registered Home Inspector (905) 825-3766 for more info visit Wise buyers-get HOMEWISE www.homewiseinspection.com v ·. : ; Associate Broker "Fine Homes S pecialist" VwgsjjjaF Preferred Properties PRUDENTIAL GABY-PIPER CRAWLEY Sales Representative Prudential Neutral Designer Decor & Hardwood on Main & 2nd Floors. Family Room w/cathedral ceiling & Gas Fireplace. Finished Bsmt w/berber carpeting. Close to schools, shopping & trail system. 2149 Oak Bliss Crescent. . MLS #1023307 Please call Linda* SOUTH WEST · (905) 828-0020 P r u d e n t ia l Preferred Properties 1680 LAKESHORE ROAD WEST, MISSISSAUGA Tel. no. 905.823.0020 E-m ail: gaby@ gabypc.com Cell: 416-617-5860 W eb Site: w w w .gabypc.com F a x : (905) 823-4769 Res. (905) 849-1420 Car. (416) 346-0113 Dave@DaveEmbleton.com Member of the Toronto, & Oakville Real E state Boards ` Large 4 level backsplit on pool size lot. Hardwood and California shutters. Professionally landscaped front yard with underground sprinklers. Driveway parking for several cars. Close to schools, Library and shopping. MLS #1072781 Please call Bill* or A nell*** Serving both M ississauga & O akville Oakville & Area RE/MAX ABOUTOWNE RE/MAX ABOUTOWNE GET READY FOR SUMMfift You will have months of summer enjoyment in this fabulous home. Beautiful inground pool. Hot Tub,Patio & Deck. Perfect for entertaining or just relaxing. Large sunroom extension across the back of the house with walkouts to the patio & deck. Fam ily room with F P , sep dining room. A must see. Open £ RFvMBK 67 LAKESHORE ROAD WEST, Aboutowne Realty Corp. R E mbL B A N K E R Independently Owned and Operated Independently Owned and Operated appears weekly in The Oalswie Marcantomo Sales Representative Gianna . 905-338-9000 gianna@cogeco.ca www.gianna.ca Licensed Broker since 1994 Adjustable Commissions - 110% Service Free Home Staging. A d vicefrom Professionals House Sunday April 9th 2-4pm . 512 Valhalla Drive MLS # 1072376. Please call Jean* Len Duncan Associate Broker D irect: B u s: (905) 842-7000 (905) 878-3057 couDuieu. Anell Francis Real Estate rknr" O/in rko n n V i r t u a lT o u r s :c l j o a , t v i l l e c o m & c o l d w e l l b a n k e r . c a j Q j to 4 Z / « Z/OUU S e e u s a l s o a tm l s . c a & r e a l t o r . c o m · atrancisreal8statB@bellnBt.ca SERVING OAKVILLE & SURROUNDING AREA We Stage Homes J* SUTTON GROUP Suffok sutton group - realty systems inc. AN INDEPENDENT MEMBER BROKER 1528 Dundas Street West, Mississauga, O ntario, L5C 1E4 OAKVILLE: ( 905 ) 827-6999 MISSISSAUGA: (905 ) 896-3333 CELL:-(905) 334-6999 CONNECT WITH US MOVING SEASON 1 5 HERE! ' *- · To advertise please call Tam m y at 905-845-3824 ext. 224 Saks Representative Accredited Buyer Representative EM AIL glyons@sutton.com · www.greglyons.info or email: tmilkowski@oakvillebeaver.com mi A N E LL jW R A N C IS F R A N C IS H 1 1 0 E S R A H 0 TF /r^Kski'Sjf .V ir c -il;* ; i; Ip m F B A N C 1 S ii - m H O Y L E U N O A mm mm mmm