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Cottage by the Sea
• 790 sq. ft., 1 bath, 2 bdrm single story "MANUFACTURED HOME" -  MLS® $239,900 CAD - THE PRICE IS RIGHT! Bowser/Deep Bay, Qualicum Beach - Tons of potential for this cozy 2 bedroom home located on tranquil .47 acre lot. Peek-a-boo ocean view across the street and short walk to beach. Sit on the porch, admire the gardens and listen to the serene sound of the nearby stream. Septic system is less than 2 years old, newer siding and roof leave nothing left for you to do but move in and make it your own. A large workshop provides lots of storage, or could be a great guest suite or studio, along with RV parking finishes this charming piece of property off. Come in and take a look! All measurements are approximate and should be verified if important to the purchaser. Property information
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• 1,342 sq. ft., 2 bath, 2 bdrm single story - MLS® $308,500 CAD Dunsmuir, Qualicum Beach - CUTE, COZY & PRIVATE!!! Just 5 years young and perfect for the first timer or retiree. Open plan taking full advantage of the space making for large living areas as well as the bedrooms. This home has all of the country charm you would expect from a story book tale. Private decks for entertaining over looking rock gardens. Attached workshop with power and storage shed. Located on 1/2 acre secluded lot in Qualicum Bay. Very quiet area yet just minutes to the beach, easy access to either Hwy and tons of walking trails including the Big Qualicum Fish Hatchery. You will be pleasantly surprised and all just a short 12 min drive to Qualicum Beach. Property information
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BEAUTIFUL LAKE & MOUNTAIN VIEWS
• other - $369,000 CAD - BUILD YOUR DREAM HOME Qualicum Beach, Central Island - One of the last acreages offering that very rare Spider Lake view! Come and build your dream home or get away place. 4.95 acres with views of Mt. Arrowsmith & Spider Lake. Only 15 minutes to Qualicum Beach. Drilled well, the best water in the area I might add, with 10 g.p.m. Septic has been approved too. Spider Lake is a beautiful and serene natural lake stocked with fish and surrounded by beautiful homes. No power boats allowed, so swimming, kayaking and canoeing are all really safe. Add fishing for fun. All of this and more, only steps away from your door. This special property is only a stone's throw away from the new Inland Island Highway. Property information
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With all the doom and gloom we've been getting from the media I thought you might like to hear a bit of good news. The following information is from the Colegrave Mortgage Team, local brokers from our area. Sunshine will return: Canadians have been confused and justifiably skeptical of the efforts the worlds' central banks and governments have been making to combat the global economic crisis. There is however a broad belief, that Canada's financial house is in significantly better shape than many peer countries, particularly the U.S. While the federal and most provincial governments have been slow to implement economic stimulus packages, they enjoy wide public support in principle. Together with the actions taken by the Bank of Canada and the positive impact on consumer confidence stemming from infrastructure spending announcements, stimulus programs are expected to be significant in the latter half of 2009.
First time buyers and investors will lead the way. Increased affordability (and perceived value) will be a key mover for the first time buyer. For example in August 2008 a home purchased at $360,000 with a 3 year term of 5.8% the monthly payment was $1949. The income required was $82,000. Today the same home is now valued at approximately $340,000. A 3 year term at 3.75% equals a $1420. Saving $529 a month and requiring an annual income of only $65,000.
Private sales will become more difficult to finance.
An email dated Dec 29, 2008 from a nationwide lender read: "Effective immediately, we will no longer be accepting Private Sale Agreements on ANY submissions. It is unfortunate that we need to make this decision, but the reality is that Private Sales are too often linked to property or Loan To Value misrepresentation and we are seeing more of these now as the credit market tightens up. Our statistics gathered are now also showing a very high percentage of delinquency in deals that were funded with private sales."
This is in addition to other lenders that had previously limited certain products (particularly stated income) to be excluded in a private sale.
Foreclosures will increase...but barely make a dent.
Foreclosure rates in Canada are expected to increase, but remain very limited, especially when compared to the U.S. experience, where a broad structural failure of the credit system occurred. Canada's relatively insignificant subprime market, and in turn, the low number of Canadians contractually committed to very risky mortgages, will result in a foreclosure rate of insufficient volume to impact house prices or transaction activity.
Return of the B lender.
All but extinct as of July 2008. Many B lending specialists have moved to A, rather than close up shop, indicating a "waiting on the sidelines" attitude, looking for an opportunity to jump back into the more profitable returns of the B market. As the credit market loosens and investors return to mortgage paper, (they will because they always do!), products will start to trickle back into the market in late 2009.
Rates will move...down...then up.
Our world is changing every day. It is hard to keep up. Nows the time to have your financial advisor and your realtor providing you with up-to-date information if you are looking to create opportunities in 2009.
There will be business this year, but you have to know when and how and in what direction things are moving. As for Setter and Associates, we are busy. Yes, we are listing more than we are currenlty selling however, the fence for buyers to sit on can only hold so much weight. When the fence breaks we will be ready. If you have a question you would like answered personally by all means give us a shout. We are always happy to talk with you. Here to Spring finally getting here. Enthusiastically, Dawn Setter
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• 2,594 sq. ft., 3 bath, 5 bdrm 2 story "Walk out basement" - MLS® $424,900 CAD - Possiblities are Endless! Qualicum Beach, Central Island - The possibilities are endless! Retire and have load of room for company or the perfect home for the young family. Basement set up is perfect for extended family or a B&B, while still having a large rec room and a 4th bedroom down, done with hardwood flooring and up beat trendy colours for the use of the upper level. Quiet cul-de-sac, easy care lot and just minutes to the village. Property information
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Walk to town!
• 1,850 sq. ft., 2 bath, 3 bdrm single story "Rancher with a great floor plan" - $399,900 CAD Hermitage Park, Qualicum Beach - HERMITAGE PARK 1,850 sqft quality built 3 bedroom rancher on crawl has many distinguishing features. Tiled foyer and skylight greats you upon entering, leads to formal living/dining room combination, through to the kitchen with island, cozy family room with gas fireplace. The attached sunroom adds to the decore making for a cozy & perfect place to entertain & have long dinners. Side door off kitchen leads to private outdoor patio, BBQ area, again super for summer entertaining! Nice size master bedroom with ensuite. RV parking, heat pump, gas furnace, easy care lot, all just a stones through away from Qualicum Village, walking trails, the Civic Centre & pool and easy access to either Hwy. Come take a look you'll be impressed. ! Property information
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One Owner home & it shows!!
• 1,500 sq. ft., 2 bath, 3 bdrm single story "Level entry Rancher" - $369,900 CAD Qualicum Beach, Central Island - Bright, airy and all the comforts to call home. Exceptionally well looked after one owner home. Nice open spaces yet still separate if it's a must. Newer carpets and laminate flooring throughout main living areas. 3 skylights really let the sunshine in. Crown moldings & newer window coverings add to the finishing touches. From the front yard and living room there's a terrific mountain view. Kitchen with small eating area is kept cozy with a wood stove nicely surround by a brick hearth. Covered patio over looks a good size back yard with wood storage shed and a mini barn out building for all the garden tools. Plenty of RV parking, landscaped yet simple to care for, loads of garden space, fruit trees and on a quiet street. An excellent location with a tranquil walk through the Civic Centre walking trails to town, stress-free access to both Hwy’s and a short 10 min stroll to the beach. All measurements are approximate and should be verified if important to buyer.
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EASY CARE LIVING
• 1,274 sq. ft., 2 bath, 2 bdrm single story "Rancher" - $319,900 CAD - PRICED TO SELL! Downtown, Parksville - The best of both worlds. The convenience of easy care living without being attached to your neighbour. One of Parksville's best locations. Wembley Place has it all. Location, all the amenities you need within walking distance including a short stroll to the beach. Bareland strata - so no big strata fees. One of the nicer floor plans with a separate double car garage. Makes for a bit bigger yard with more privacy. All the rooms are a good size and there's a nice little sitting area just off the kitchen. All measurements are approximate and should be verified if important to the buyer. Property information
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SEPARATE 2 BDRM CARRIAGE HOUSE
• 1,628 sq. ft., 2 bath, 5 bdrm single story - MLS® $429,900 CAD - Inside is a must see! Bowser/Deep Bay, Qualicum Beach - Step inside and go ahhhh! Totally redone right from the slate floor entry to the new kitchen, bathroom, crown mouldings, baseboards, doors, baseboards, roof and more. Nice spacious 3 bedroom rancher on 0.67 acres right in the heart of Lighthouse Country. 1600+ sqft gives you all the comforts of home with an island style kitchen opening up to the living area. Wide hallways leading to 3, not bad size, bedrooms and family room currently being used for sleeping quarters for extended family. Master bedroom has been extended offering a walk in closet and a small office area which could be turned into a master ensuite. Huge workshop with a 2 bedroom carriage house above for guest suite, mortgage helper or again extended family. Kick up your feet & enjoy your backyard from the sundeck. If it's rural your looking for, this is one affordable home you don't want to overlook. All this with a bit of a glimpse of the ocean. All measurements are approximate and information printed is deemed to be correct. It is the responsibility of the Buyer to verify if important. Property information
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GREAT FAMILY HOME
• 2,400 sq. ft., 3 bath, 4 bdrm 2 story "Level Entry Walk out basement" - MLS® $399,900 CAD Bowser/Deep Bay, Qualicum Beach - A family home at it's Best! Drive up and be impressed as you envision yourself sitting under the covered front porch. At 5 years young, this beautifully finished home holds your attention throughout. Starting with an open plan concept upon entry, laminate flooring on the main floor with an upbeat kitchen, 2 bedrooms and tons of storage. Continue downstairs and be greeted by 2 more exceptionally large bedrooms, an open den, rec room which accommodates a small size pool table and yes, even more storage. Perfect for the growing family! Lastly, make your way out to the welcoming back yard. Landscaped and fully fenced with a garden, small pond and deck ... Ideal for those sunny days. This home has it all, central vac, HRV System, Superior ICF construction plus RV Parking. There is nothing to do but move in and call it your home. All measurements are approximate and should be verified if important to the purchaser.
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Great Location Walk to Town
• 1,358 sq. ft., 2 bath, 2 bdrm apartment "6 Unit Building" - MLS® $329,900 CAD - PRICED TO SELL Qualicum Beach, Central Island - One owner and it shows. Walk right in. No stairs, no fuss no muss. Exceptionally large 2 bedroom, with full size dining room condo. All within minutes of the Village for shoping and banking, the pool, train station, golf or the beach. Light and bright with large windows and nice little ocean view too. An easy strata to live in with only 6 units in the building. Property information
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Fairwinds Luxury home!
• 3,373 sq. ft., 3 bath, 3 bdrm 2 story "Level entry with walkout basement" - MLS® $689,900 CAD Fairwinds, Nanoose Bay - This Fairwinds custom built 3300 sq.ft , level entry with walkout basement home is a must see. 1.5 years young and situated on just over a half an acre. Come on in & prepare to be impressed! Large bright great room with vaulted ceilings greets you upon entering and compliments the 9 foot ceilings throughout not only the main but the lower level too. An excellent floor plan for entertaining large groups and yet for those more formal intimate moments a separate dining room. The living area is still cozy with efficient electric fireplace surrounded by custom oak mantel, all of which opens to a user friendly specially designed oak cabinetry kitchen with large deck overlooking the backyard and beautiful mature trees making it really easy for summer BBQ‘S. Hardwood floors throughout the living, dining room and kitchen area add to the ambience. The tour of the main floor doesn't end here as we continue to the large master suite with full ensuite including soaker tub built for 2, separate shower, his & her sinks all placed nicely with the continuing custom oak cabinetry which flows throughout the home. Rounding out the main floor is a den with separate outside entrance making it ideal for a home based business, an additional 3 piece bath and full laundry room with sink leading to oversized double car garage. Inset tiled staircase takes you to the fully developed walkout level. Perfect for extended family, teenagers, grand children, company or just plain entertaining. This added bonus of a family room is bright & light with large windows over looking landscaped backyard, built-in entertainment centre with fireplace, separate wet bar, two more really good sized bedrooms, tons of storage, full 4 piece bath, French doors leading to an existing studio/flex room, an exercise room or perhaps for the wine savvy - a small wine cellar. And that’s not all. This home has a full sound system wired throughout with ceiling speakers in most of the main living areas. Truly a must see. Property information
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Cottage by the Sea • 790 sq. ft., 1 bath, 2 bdrm single story "MANUFACTURED HOME" - MLS® $248,900 CAD - THE PRICE IS RIGHT! Bowser/Deep Bay, Qualicum Beach - Tons of potential for this cozy 2 bedroom home located on tranquil .47 acre lot. Peek-a-boo ocean view across the street and short walk to beach. Sit on the porch, admire the gardens and listen to the serene sound of the nearby stream. Septic system is less than 2 years old, newer siding and roof leave nothing left for you to do but move in and make it your own. A large workshop provides lots of storage, or could be a great guest suite or studio, along with RV parking finishes this charming piece of property off. Come in and take a look! All measurements are approximate and should be verified if important to the purchaser. Property information
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IMMEDIATE POSSESSION AVAILABLE
• 1,105 sq. ft., 1 bath, 3 bdrm ranch - $254,900 CAD - PRICED TO SELL!!! Parksville, Central Island - Talk about a makeover! Come in and take a look! This 3 bedroom rancher could be 2 and a family room. Has newer roof and windows, refinished hardwood floors and an updated bathroom. Huge yard, nicely landscaped and fenced – perfect for the whole family including pets. A real cutie patootie! Located on the waterside of the highway for easy walks to the beach! All measurements are approximate and information printed is deemed to be correct. It is the responsibility of the Buyer to verify if important. Property information
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Dear Media, I have always been a firm believer in, what we think about, talk about and put our attention to most, is what we will create for ourselves. Everyday, morning, noon, night and before bed, we the public are being bombarded with nothing but doom and gloom in regards to the worlds economic breakdown and bailouts. I get that the news needs to be reported and if I don’t want to hear it, turn it off. However, with this ongoing onslaught of the sky is falling the everyday person on the street is starting, if they haven’t already, to panic and worry over much of what is totally out of our hands. We’re tired of hearing how big business and financial institutions, all for the most part in the States, with the exception of the automakers in Canada, are being bailed out, while the CEO’s get to walk away with millions. It’s incredibly depressing. If they had managed the Company properly in the first place, with creative forward thinking, rather than lining their own pockets, these Companies wouldn’t need to be bailed out. The media is an amazing and powerful tool. You talk. People listen. It doesn’t matter if it’s the whole story or even just one side of a story; people listen. People in general trust what you have to say, that’s why you win the awards you do, and therefore take the majority of what you as reporters have to say to heart The media needs to lighten up a bit. These stories are overwhelming. People are afraid and when people are afraid they do stupid things. Making it all the worse. I work with ordinary people everyday. I hear it in the questions they ask and see the looks on their faces. I’m not saying don’t report what needs to be told, nor am I suggesting we put on rose coloured glasses. We just don’t need to hear it, day in and day out. The world is not all bad. Babies are still being born, the sun still shines, and we live in an amazing Country. I could list a million things to be glad about. I’m just asking, is it too hard to find something good to talk about? Surely not. You may or may not believe everything on this planet is energy and that we are all connected. What we put out there is what we get back. Like does attract like. The more the media continues to harp on the world going to hell in a hand basket, the more energy you are putting into creating more of what we don’t want. The way I see it. The media as a group has the power to change the way the world thinks. If nothing else, lets at least balance it out. Thank you for hearing me out. Dawn Setter
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