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8* Real Estate: The-O akville Beaver Wednesday January 18, 2006 Borrowing to renovate your home Sales Representative ^ jmacdonafd@remaxabontowne.com' 90S 3 3 8 m i&s3t l! l CALL ME FOR A MARKET EVALUATION OF YOUR HOME TODAYS What to consider before getting a loan (NC)--Is your home looking a lit tle run down? Getting tired of that old kitchen or thinking of knocking down a wall for more space? Home renovations can increase the value of your home (depending on what you are changing or adding), but they can also end up costing a lot too. If you don't have extra cash sitting around, you may end up borrowing against your home to help pay for the work, using a line of credit or a per sonal loan. This means the collateral you use to secure the loan (like your home) is at risk if you don't pay back the money. More than you bargained for Consider the following before investing in your home renovations with borrowed money: · Borrow only what you can afford to pay back. · Monitor interest rates and infla tion because the small differences in rates can have a big impact. · Know the consequences of using collateral as security for your loan. For more information, read Borrowing to Invest - Understanding Leverage online at www.investorED.ca, or contact the * 7 Ontario Securities Commission at 1-866-544-5554 to order your free copy. - News Canada ELEGANT family sized home located in DESIRABLE RYCROFT ESTATES amongst other million plus homes. Wonderful large principal rooms, light & bright. 4+1 bdrms, 4+1 baths. ALL DAY SUN ON I/G POOL; ENTERTAINER'S DELIGHT! $1,298,000. Call Jennifer. SOUTHEAST DON'T MISS THIS OPPORTUNITY! Be a part of the trendy Kerr Street Studios RESIDENTIAL AND COMMERCIAL UNITS AVAILABLE, March 2006 occupancy. CALL JENNIFER MACDONALD FOR INFORMATION 905-338-9000. Call Jennifer MacDonald for more info, or email at: jmacdonald@remaxaboutowne.com FREE! Search over iisiiaiiiiiii'ifiiiiiisiiisi Sales Representative ·OVER 60 SALES IN 2 0 1 1 4 ! ·T0P1%INTHEG.T.A ·98.6% REPEAT BUSINESS FOR 10 YEARS! DON'T GAMBLE WITH THE BIGGEST INVESTMENT OF y o u r LIFE! 1,200 homes for sale in Oakville C O R P , SERVICE EXCEEDING YOUR EXPECTATIONS! R E A L T Y www.livinginoakville.com Dan Cooper, Associate Broker, Royal LePage Real Estate Service Ltd., 905-338-3737 Call For A Professional Market Evaluation - No Obligation. A m y K alinow ski Sales Representative Office: (905)338-3737 amyk@royallepage. ca · Open concept · Gourmet kitchen · 3.1 bedroom · 2.5 bathroom · Partially finished basement INCREDIBLE VALUE! $329,900 · Rose haven built over · 2300 sq.ft · $ thousands in upgrades · Magnificent kitchen DESIGNER 4 BDRM SEMI $344,900 Loaded with upgrades Finished basement Stunning deck Above ground pool BACKING ONTO POND $499,900 THE VILLAS $166,900 2 storey, 3 bdrms Neutral decor Stunning fireplace V irtu a l To ur: M LS.C A Stunning floor plan Loaded with upgrades Walkout basement backing onto pon Maple floors___________________ BACKING ONTO POND $499,900 BACKING ONTO GREENSPACE & PARK $549,900 · Stunning layout · Loaded with upgrades · Inground pool backing onto park »Move-in condition · Backing onto 16 mile creek · Gorgeous mature ravine 242.6'deep lot · Loaded with upgrades »True double car garage____________ LOCATION LOCATION $589,900 Magnificent center hall plan Stunning kit w/granite countertops 9ft ceilings basement Truly one-of-a-kind ALMOST 1/4 ACRE IN NEYAGAWA $849,900 Incredible Savings With One of Oakville' s Top Producers S a l e P r i c e S a v i n g s Laurie Panchyshyn (Associate Broker/Area Manager) and Darryl Mitchell (Associate Broker/Area Sales Manager) of Royal LePage Real Estate Services Ltd., Broker are pleased to announce the appointment of Amy Kalinowski to OAKVILLE'S BEST team of real estate professionals. Amy possesses a wide range of real estate experience, spanning over 19 years, as an award winning, real estate professional. Married to her husband John for 35 years, they have raised two daughters and are grandparents to 4-year-old twins, Addyson and Connor. Amy is a proud resident of Oakville, committed to producing outstanding results for all of her clients in the Oakville community. Amy is an honest, solid professional. Combined with Royal LePage's sound, cutting edge technology, products and services, she is able to put her vast experience to work, in a timely manner that always promises superior results, for all her clients. Amy's motto is "it's all about you, the client". Call upon her for all your real estate needs and experience how enjoyable working with a seasoned professional can be! Added value services at Royal LePage such as their In-House Marketing Department and award-winning Internet site that receives over 28 million page views per month from customers are decided assets to our agents. Client Relocation Services, over 600 offices and almost 12,000 residential sales representatives across Canada, as well as an affiliation with H0MELINK will be great advantages to both Amy and her clients. Amy invites family, friends and associates to visit her at her new office: 251 North Service Road West, Oakville or call: 905-338-3737 and looks forward to becoming your professional home consultant! Award winning design Approx. 3025 sqft 5 bdrms 8t 3.5 baths ___ M ain floor dot, new hrdwd firs in LH /D R /FR DESIRABLE WEST OAK TRAILS $494,900 Backing on Glen Abbey 5th Fairwa; Stunning layoutl 2-storey conservatory Finished basement LOCATION, LOCATION, LOCATION! $899,900 200,000 300,000 400,000 S 500,000 $ 750,000 S i,000,000 $ $ S 7,200 S 10,800 $ 14,400 S IS,200 S 27,000 S 36,000 b a s e d o n 6 % c o m m is s io n $ Oakville' s Best Real Estate iilliiiiiiillililllliiiili ROYAL LEPAGE R oyal LePageR eal E stateServicesUd.. B ro ker nB B B B IIIIIIIIIIIIIIIIIIIIIIIII www.royallepage.ca