Toronto, Toronto Central and North York real estate and homes for sale in Ontario - The Lauretta Stewart Group, REALTORS® The Lauretta Stewart Group REALTORS(r) for Toronto, Toronto Central and North York, Ontario real estate - NUMBER1EXPERTS™ The Lauretta Stewart Group NUMBER1EXPERTS(tm) for Toronto, Toronto Central and North York, Ontario real estate

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The Lauretta Stewart Group, REALTOR®, real estate agents and broker for Toronto, Toronto Central and North York Ontario home listings, property and land for sale - NUMBER1EXPERT(tm)
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Unique and Luxury Homes: Toronto, Toronto Central and North York Ontario home buying, real estate listings, and homes for sale in  County, ON
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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You! 

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request our free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. 

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to us through our professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. 

When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request our quick Status Report on any homes or other real estate that interests you. It's free and without obligation. 

Remember: As top Toronto, Toronto Central and North York area REALTORS®, it's our job to know more about a property than any web site. Make sure you have the most current information! 



Real Estate Tips
First Time Buyers >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

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Real Estate Trivia
Q 
What price range is considered upscale or high-end in residential real estate?

A 
The price range varies depending on the local market, but upscale homes are in the top 10% of an MLS area's annual home sales.
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The Lauretta Stewart Group, REALTOR®, real estate agents and broker for Toronto, Toronto Central and North York Ontario home listings, property and land for sale - NUMBER1EXPERT(tm)

The Lauretta Stewart Group
Royal Le Page Real Estate Services, LTD

55 St. Clair Avenue West
Toronto, ON
M4V 2Y7
Toll Free: 1-800-622-9536
Business: 416-921-1112
Voicemail: 416-921-9066 ext. 351
Fax: 416- 921-7424
Email: lauretta@onramp.ca

Lauretta is a ‘Player’ on the Canadian Real Estate scene, with a proven sales track record. Her reputation, extensive network and knowledge of the Toronto real estate environment are assets valued by all who have dealings with her.

Since joining Royal LePage, Lauretta has distinguished herself as a Top Producer - year after year - earning a place in the pantheon of Top Producers - the prestigious Chairman's Club….the Top 1% of the Royal LePage’s national sales force of over 10,000 agents.

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