CANDIS NOBLE

The next Bank of Canada announcement tomorrow; July 24th may include a potential 0.25% decrease. Statistics are showing sales and prices are experiencing a normal yearly increase; however, the number of listings has risen significantly.  Market Shift Alert: Rise in Listings and Potential Rate Cut—What Buyers and Sellers Need to Know... While advantageous for Buyers , Sellers may feel the impact as more listings appear... thus creating more competition. The market dynamics have shifted; Sellers are NO LONGER in complete control.  Although multiple offer situations still occur, they typically involve properties that were correctly priced from the beginning. Accurate pricing is now more crucial than ever, overshadowing the importance of the product itself. Experience the Difference with Candis Noble Market Shift Alert: Rise in Listings and Potential Rate Cut—What Buyers and Sellers Need to Know... As a Top-Tier Real Estate Broker, and one of Montréal's Best Realtors, Candis Noble  brings her remarkable real estate expertise and marketing finesse to the table. Candis Noble is unparalleled in protecting her clients through her diligence, attention to detail, and care; her experience in the industry; her understanding of market fluctuation; her presentation, staging, and marketing of her properties, and her ability to correctly determine property values in every changing market condition. Have questions? Reach out today for your complimentary property valuation; with no pressure ever.

*THE HIGHEST SALE IN OUTREMONT* was a Berkshire Hathaway HomeServices Québec listing! NOBLE & HOME NEWS FLASH #newsflash #hotoffthepress #sensational #exciting #berkshirehathawayhomeservices #bhhsquebec Outremont real estate highest sale... Yes, one of the many reasons why when you want to sell your home, you want to work with one of the most globally trusted names in business; Berkshire Hathaway. *According to sales in Outremont posted on Centris #sold #outremont #luxuryhomes #luxurylifestyle #luxuriousliving #bhhsluxury #immobilierdeluxe #immobiliermontreal #immobilier #luxuryrealestate #bhhsquebec #warrenbuffett #berkshirehathawayhomeservices #berkshirehathaway #igers #fyp #candisnoble #luxuryrealestate #vente #maplewood #montreal #westmount #courtierenimmobilierdeluxe #outremontrealtor #outremontrealestate #liveyourluxury

NOBLE & HOME | Introducing Prestige - Spring 2024 - Sizzle! Out now: the Spring 2024 issue of Berkshire Hathaway HomeServices Prestige magazine . This issue spotlights remarkable properties from across the network, while exploring the draw of luxury homes with million-dollar views, the rich culture of New Orleans, the evolution of garages into luxury havens, and the vibrant transformation of Washington D.C.!

The Bank of Canada's Interest Rate Cuts and the Impact on Montréal Real Estate The Bank of Canada has implemented a second consecutive reduction in its policy interest rate, suggesting additional cuts may occur if inflation continues to decline. The recent 25 basis point decrease brings the overnight rate to 4.5%, a level previously reached in June 2023. This follows a prior reduction from 5% to 4.75% last month, which was the first rate decrease in over four years. Economic Context and Rationale Governor Tiff Macklem cited economic data indicating slack in the labour market, excess supply, and ongoing decreases in inflation as key reasons for the decision. Inflation has significantly dropped from a peak of 8.1% in June 2022 to 2.7% in June 2024, despite a slight increase in May. The central bank expects inflation to moderate further, although progress may be uneven. If this trend continues, more rate cuts are anticipated, but each decision will be made cautiously based on incoming data. Impact on the Real Estate Market The real estate market is likely to see various effects from the rate cuts. For homeowners, especially those with variable-rate mortgages, the reduction means lower monthly payments. According to Ratesdotca, a 25-basis-point drop translates to approximately $15 less per $100,000 of mortgage in monthly payments, offering some financial relief. However, real estate experts suggest that these cuts alone may not significantly stimulate market activity. Many potential buyers are still constrained by tight budgets and may choose to wait for further reductions before making a move. Significant market activity is expected only if the central bank implements additional cuts, potentially up to another 50 basis points. Economic Growth and Future Projections After a period of stagnation in late 2023, Canada’s GDP grew by roughly 1.75% in the first quarter of 2024, driven by strong population growth. The central bank anticipates continued economic growth in the second half of 2024, bolstered by easing interest rates and rising confidence among households and businesses. GDP growth is projected to be about 2.1% in 2025 and 2.4% in 2026. Inflation and Housing Market Imbalances The central bank’s Monetary Policy Report highlights concerns about inflation, particularly due to high shelter costs driven by rent and mortgage interest. These pressures are expected to persist, creating "housing market imbalances" that could continue to elevate inflation. The central bank is closely monitoring these factors and adjusting its policies accordingly. Immigration and Its Effects The report also notes the significant impact of immigration on the economy and housing market. Canada’s population has grown by 6% in the past two years, mainly due to newcomers. While this has boosted consumer spending and potential output, it has also added pressure on housing demand, particularly in rental markets. Conclusion The Bank of Canada's Interest Rate Cuts and the Impact on Montréal Real Estate : The Bank of Canada’s recent rate cuts provide some relief for borrowers and may eventually lead to increased real estate market activity. However, the overall impact will depend on future economic data and additional rate adjustments. The central bank remains committed to balancing its goals of reducing inflation to the 2% target while avoiding excessive economic weakening. As always, the real estate market will be closely watching these developments, with cautious optimism for the future. Source: https://www.ctvnews.ca/business/bank-of-canada-cuts-interest-rate-signals-more-to-come-if-inflation-keeps-dropping-1.6975421 Have Questions? Reach out to Candis Noble for any real estate question or need; with no pressure ever.

Selling Your Home? First Impressions Matter; Your Essential Checklist of “Things To Do” and “Things To Don't" How exciting! You’ve finally decided. You are finally putting your home up for sale! You begin to daydream as visions of home staging, professional photoshoots, Instagram House-Selfies, Centris Listings, Flipbooks, Drone Photos, Marketing Videos, and Matterport Layouts swirl in your imagination...it's a high; it's thrilling... but it's emotional and a little scary both at the same time. But you’ve decided and you are ready to commit. Look at you, you're a trooper... because you know it's time, and your new dream home awaits! And then it hits you. Before all the fun, there’s work to do, and there's a lot of it. Now’s the time to go down that seemingly endless task list and take care of all those pesky little chores waiting for a rainy day. And it's raining today! It can feel overwhelming but in fact, it is rather simple if you approach it from a sense of organization and simplicity. Keep it manageable, and the best way to feel accomplished is by making lists and handling one small task at a time. One of the tools I use with my clients is my checklist of “Things to do, and Things to don’t”. And, I thought to share some of the highlights with you to help get you started. Where To Begin? Begin with fresh eyes. Walk around your home; outside, inside… room by room. What do you notice? Where does your eye go first? How does it feel? Is it bright and inviting? Does it feel fresh and open? Is it… happy? First impressions matter; that ever-important curb appeal from the driveway to your front door. Is that doorbell broken? Is the door paint faded and chipping away? What about when you step inside? Will your Buyers be welcomed by shoes, jackets, and recycle boxes? Now I know you’re thinking, “… but Candis, I need to live in my home.” And of course, you do, but organized editing can create both visual appeal and practicality for every day; while providing ease for last-minute showings. It’s a simple fact that the little things do matter and it can be surprising the “little things” that will turn off a potential Buyer. So here’s my “shortlist”. Feel free to add to it as these things have a way of taking on a life of their own! But keep it doable and simple and focus on the most relevant and important tasks. Things To Do… 1. Repair Repair everything… and I mean everything. Now I’m not talking about major renovations or expensive jobs. Those are the things you discuss with your realtor to determine their respective need versus value cost and their relevance when determining your asking price. What I’m talking about here are all those little forgotten things that add up in a potential Buyer’s mind making them skeptical about the condition of the entire house. “What other more important things have been neglected as well?”, they will wonder. So replace those lightbulbs, broken handles, leaky faucets, wobbly handrails, flickering lights, etc. It’s imperative because if overlooked you can be assured each and every neglected item will be pointed out by your potential buyer and will most certainly be reflected in a much lower offer. 2. Clear the Excess When selling your home, less is absolutely more. Remove unnecessary or bulky furniture, rarely used kitchen countertop appliances, and unnecessary rugs, limit the dog toys, piles of magazines, plants, overflowing paperwork, knickknacks, endless throw pillows, etc. Go all, Marie Kondo on your clutter; be grateful, and then... let it go. Remember the focus is on showing your home and helping Buyers to visualize it as theirs. Clear away all those things (you know what they are) ; all that stuff placed “there for now” that has become “there forever”. Forever stops now. Clear it away. You’ll feel so much better and your home will begin to feel open and airy and light again! 3. Donate Now is the perfect time to gather those well-loved and unneeded items and give them to a friend, shelter, or charity. It feels amazing and incidentally, it becomes addictive. 4. The Power of Paint I cannot say it enough. Paint is your best friend. No really, it is. White, Ecru, Bisque, Parchment, Oyster… whatever name you want to call it (you get the picture) go neutral. Now, is not the time to make a design statement. And don’t go overboard using the grey… I know it’s a thing, but just… don’t. Not everyone is into cool and trendy. Remember here, we want to appeal to the masses. 5. Lather, Rinse, Repeat. Clean; clean everything. I’m not talking your everyday clean, I’m talking about the big one; the one where you call in the troops and the hazmat suits (JK) . Focus on washing windows, floors, mirrors, scuff marks, cabinetry, floor moldings, staircase risers, cobwebs and dust on the ceiling fan. Don’t use overly scented cleaning agents. Keep it simple…vinegar and baking soda are magic. Outside the home, wash decks and walkways, and be sure to clean eavestroughs. Mow and trim grass in Summer, rake the leaves in Fall, and clear snow paths and driveways in Winter. I can’t tell you the number of times I’ve waded through knee-high snow, visited homes with my buyers, or arrived at a home that hasn’t been mown in 3 weeks. You don’t want your Buyers’ first visit to begin as a hiking “adventure”. Things To Don’t… 1. Don’t Decorate Ah, I got ya there, didn’t I? Strange advice coming from a real estate broker who is also an interior designer, isn't it? But, trust me when I tell you that, now is not the time to try all those amazing DIY ideas, or embrace your inner Martha Stewart. Just... don't. This is not the time to try those “50 Ways With Fuchsia”. Choose wisely, appeal broadly, and use your accessories sparingly. You don’t want even the most beautiful of decor to become clutter, and worse… steal the limelight! We want your Buyers to see your home and be able to imagine it... as theirs. We want them to feel the space, see the windows and realize the potential for imagining their furnishings, and their lives within your home. 2. Don’t Depersonalize… Well not, completely. Being a designer and luxury real estate broker, my particular expertise is in the preparation of my listings for the market. I’m not of the “Depersonalize Your Home ”mindset. I’m no fan of sterile spaces that lack personality, either when decorating... or selling a home. You’ve already got amazing things, they’re there…they merely need to be curated and used creatively to highlight your home’s best features and focal points. It’s not about being decorative as much as it is about drawing the eye to where we want it to go; purposefully. Personality creates a conversation, and... we want the conversation to be a good one! I cannot count the times my Buying clients have connected with items reflective of the personalities of my Sellers. “Omg I love that picture; it’s the exact spot in NYC where my husband proposed to me!” and, “Oh your son has the same name as ours!” and, “Your daughter won that trophy playing hockey? My daughter plays hockey too!” and, “I just love that artist, I have works by him as well!”... I could go on and on. Remember it’s all well and good to be yourself…a little. Just don’t go overboard. Be discriminating in choosing which pieces of art, books or accessories make the “cut”. Use them sparingly and you’ll be more than fine. Glimpses and insights into your personality are important. They can create a commonality; a bond and a connection to the home and its owners. And that is invaluable when selling your home. First impressions absolutely do matter They say, “You never get a second chance to make a good first impression”. And in real estate, this holds even truer. So ignore these “To Do’s” if you choose (hey that rhymes) but know one thing. The only "second chance" you’ll get is a Centris banner saying “Reduced Price”! So, follow my “Things To Do” and ”Things To Don’t” and prepare your home right away even before you decide to list it. That way you get to enjoy the fruits of your labour a little longer! And, if you have questions reach out to me! Should you be considering selling your home; it is my pleasure to represent your real estate needs; building on my solid reputation of trust, specialization, commitment, and professionalism. And don't forget, I provide curated home staging for all my listings as an entirely complimentary service! What is your home worth? More than you think. Let’s have that conversation… I’ll bring the coffee! ☕️ Candis Noble Luxury Real Estate Broker | Interior Designer *Proudly representing sellers and buyers throughout: Montréal (Westmount, Mont-Royal, Ville-Marie, Outremont, TMR, Old Montréal, Cote-des-Neiges/NDG, Le Sud-Ouest, Hampstead, Nun's Island, Verdun, LaSalle, Lachine and more...) ​ West Island (Saint-Laurent, Dorval, Pointe-Claire, Beaconsfield, Baie-d’Urfe, Kirkland, Dollard-des-Ormeaux, Pierrefonds, Sainte-Anne-de-Bellevue, Senneville), Ile Bizard) ​ Off-island (Hudson, Saint-Lazare, Rigaud, Laval, Saint-Eustache, Oka, Pointe-Calumet, Notre-Dame-de-l’Ile-Perrot, Pincourt, Vaudreuil, Vaudreuil-Sur-Le-Lac, Ile-Cadieux, and more...) #DesignerHomeStaging #candisnoble #stagingmatters #buyingahome #Homesforsale #Dreamhomes #MontréalRealEstate #RealtorWestIsland #LuxuryRealEstate #LuxeRealEstate #InteriorDesign #toptierrealtor #exceedingexpectations #montrealrealestate #Interiordesignerwestisland #Design #WestIslandRealEstate #WestIslandRealEstateAgent #Homestaging #Checklist #BeforeSellingYourHome #ToDo #List #Personality #Decluttter #Depersonalize #FirstImpressions #CurbAppeal #Centris #Market #RealEstateMarket #Paint #Repair #Puttingyourhomeforsale #Sellingyourhome #whatisthevalueofmyhome #dreamhome #Whattodofirst #Whatismyhomeworth #CandisNoble #Montréal #WestIsland #Senneville #Kirkland #Hudson #SaintLazare #Vaudreuil #Beaconsfield #BaiedUrfe #Pierrefonds #PointeClaire #DollarddesOrmeaux #LeSudOuest #Westmount #Outremont #Hampstead #CoteSaintLuc #LaSalle #Lachine #Dorval #Griffintown #stagedtosold #nobleandhome

Magnificent Waterfront! 43 Rue de l'Île Barwick, Pierrefonds H8Z 3A1 Magnificent Waterfront! 43 Rue de l'Île Barwick, Pierrefonds H8Z 3A1

2678 Rue de La Symphonie Saint-Lazare J7T 3J7 Luxury Real Estate in the esteemed neighbourhood of Chanterel | 2678 Rue de La Symphonie Saint-Lazare J7T 3J7

Warren Buffett, often referred to as the "Oracle of Omaha," is a name that resonates in both the world of finance and everyday life. His reputation as one of the most successful investors in history, coupled with the sprawling conglomerate he leads, Berkshire Hathaway Inc., has left an indelible mark on the global business landscape. In this article, we'll delve into the extraordinary journey of Warren Buffett and his company, Berkshire Hathaway Inc., exploring their brand's influence and impact on the world. Warren Buffett: The Man Behind the Legend Warren Edward Buffett was born on August 30, 1930, in Omaha, Nebraska. From a young age, Buffett displayed an uncanny aptitude for business and investing. His early entrepreneurial ventures, such as selling Coca-Cola bottles and delivering newspapers, were just a glimpse of the financial acumen that would later make him a household name. Buffett's investment journey truly began at the age of eleven when he purchased his first stock, three shares of Cities Service Preferred, for $38 per share. This early experience ignited his passion for the stock market and set him on the path to becoming one of the most celebrated investors of all time. Over the decades, Warren Buffett has honed his investing philosophy, often referred to as "value investing." He prioritizes fundamental analysis, seeking to identify companies with strong economic moats, excellent management, and long-term potential. This approach has led to impressive returns for Berkshire Hathaway Inc. shareholders, with the company consistently outperforming broader market indices. Snapshot from StockCharts.com Berkshire Hathaway: A Multifaceted Conglomerate Berkshire Hathaway Inc., under the stewardship of Warren Buffett, has grown from a failing textile company into a multinational conglomerate with diverse holdings. The company's core strategy revolves around acquiring businesses with long-term growth potential, aligning with Buffett's value investing philosophy. Berkshire Hathaway Inc.'s diverse portfolio includes investments in industries as varied as insurance, energy, consumer products, transportation, and, significantly, real estate. The company's influence extends to the real estate market through its subsidiary, Berkshire Hathaway HomeServices. Influence in the Real Estate Market One of the most notable facets of Berkshire Hathaway's influence is its presence in the real estate market. The company's foray into the real estate industry marked a strategic diversification in its portfolio. Berkshire Hathaway HomeServices, a subsidiary of the conglomerate, is a prominent player in the real estate brokerage sector. Berkshire Hathaway HomeServices Quebéc operates with the same principles of integrity, trust, and customer focus that have become synonymous with the Berkshire Hathaway brand. This alignment with Buffett's core values has allowed the real estate arm to rapidly gain recognition and trust within the industry. Their network of real estate agents spans the Canada, the United States and several other countries around the globe, offering a wide range of services, including buying, selling, and financing residential and commercial properties. bhhs.com The creation of Berkshire Hathaway HomeServices is a testament to the adaptability and forward-thinking nature of the Berkshire Hathaway brand. It reflects a well-calculated move to expand their influence and provide a holistic suite of services to consumers. Berkshire Hathaway HomeServices: A Brand You Can Trust The Berkshire Hathaway HomeServices brand is built upon the solid foundation of Warren Buffett's principles. The real estate subsidiary is committed to maintaining the same level of trust, integrity, and transparency that Warren Buffett has exemplified throughout his career. This dedication to excellence has earned them a reputation as a trustworthy and reliable brand in the real estate market. The global reach of Berkshire Hathaway HomeServices means they have a profound influence on real estate transactions worldwide. Homebuyers and sellers alike are drawn to the Berkshire Hathaway name, knowing that they can expect the same level of expertise, ethics, and customer-centric focus that Berkshire Hathaway is known for. Berkshire Hathaway HomeServices' presence in the market has not only improved customer experience but has also set new standards for excellence in the real estate industry. This influence has spurred competitors to reevaluate their strategies, striving to meet the high bar set by the Berkshire Hathaway brand. The Berkshire Hathaway Legacy: Enduring Influence Beyond the real estate sector, the Berkshire Hathaway conglomerate continues to leave an enduring influence on the global business landscape. Here are some key factors contributing to this influence: Long-Term Investment Approach: Warren Buffett's emphasis on long-term investments and commitment to his holdings has set an example for both individual and institutional investors. Berkshire Hathaway's ability to accumulate and hold shares in companies for extended periods has helped shape the investment landscape. Stewardship and Leadership: Warren Buffett's unique leadership style and emphasis on ethical and responsible business practices have made Berkshire Hathaway a model for corporate governance. The company's commitment to transparency and long-term value creation is a benchmark for companies worldwide. Innovation and Diversification: Berkshire Hathaway has demonstrated an uncanny ability to adapt and diversify. The company's willingness to venture into new industries and acquire businesses with solid fundamentals reflects the importance of innovation and calculated risk-taking in today's business environment. Economic Impact: As one of the largest conglomerates in the world, Berkshire Hathaway's operations have a considerable economic impact. The company employs a vast number of people across its subsidiaries, contributes to various local economies, and is a significant taxpayer. Its influence extends far beyond its balance sheet. Philanthropic Initiatives: Warren Buffett and Berkshire Hathaway have made substantial philanthropic contributions, including the "Giving Pledge," which encourages billionaires to donate a significant portion of their wealth to charity. This influence extends to the broader philanthropic landscape. Berkshire Hathaway HomeServices has embraced the Sunshine Kids™ Foundation as its national charitable benefactor. Sunshine Kids is committed to providing positive group activities and emotional support for children with cancer. Educational Influence: Warren Buffett's annual letters to Berkshire Hathaway shareholders serve as a valuable source of financial education for investors worldwide. His wisdom and insights have educated countless individuals and shaped their investment strategies. A Lasting Legacy Warren Buffet; Berkshire Hathaway - The Oracle of Omaha has left an indelible mark on the business world, with their influence reaching well beyond the stock market. The creation of Berkshire Hathaway HomeServices, their foray into the real estate market, exemplifies the company's adaptability and commitment to extending their legacy. Through their steadfast dedication to integrity, customer-centric focus, and enduring values, Berkshire Hathaway HomeServices has set a high standard in the real estate industry. Their influence on the market is a testament to the lasting impact of Warren Buffett's principles. As Berkshire Hathaway Inc. continues to adapt and expand its portfolio, one thing remains certain: the company's legacy of excellence and influence will persist, continuing to shape the business world for years to come. Warren Buffett's philosophy of value investing and Berkshire Hathaway's commitment to trust and integrity will remain as guiding stars for future generations of investors and business leaders. We're In Good Company! Global reach; world-wide respect. Explore the many Berkshire Hathaway subsidiaries below! Acme Brick Company IMC International Metalworking Companies Alleghany Corporation IPS Ben Bridge Jeweler Jazwares Benjamin Moore & Co. Johns Manville Berkshire Hathaway Automotive Jordan's Furniture Berkshire Hathaway Direct Insurance Company (THREE) Justin Brands Berkshire Hathaway Energy Company Kraft Heinz Berkshire Hathaway GUARD Insurance Companies Larson-Juhl Berkshire Hathaway Homestate Companies LiquidPower Specialty Products Inc. (LSPI) Berkshire Hathaway Specialty Insurance Louis - Motorcycle & Leisure biBERK Business Insurance Lubrizol Corporation BoatU.S. Marmon Holdings, Inc. Borsheims Fine Jewelry McLane Company Brooks MedPro Group BNSF MiTek Inc. Business Wire MLMIC Insurance Company Central States Indemnity Company National Indemnity Company Charter Brokerage Nebraska Furniture Mart Clayton Homes NetJets® CORT Business Services Oriental Trading Company CTB Inc. Pampered Chef® Duracell Pilot Travel Centers Fechheimer Brothers Company Precision Castparts Corp. FlightSafety RC Willey Home Furnishings Forest River Richline Group Fruit of the Loom Companies Scott Fetzer Companies Garan Incorporated See's Candies Gateway Underwriters Agency Shaw Industries GEICO Auto Insurance Star Furniture General Re TTI, Inc. Helzberg Diamonds United States Liability Insurance Group H.H. Brown Shoe Group W&W/AFCO Steel HomeServices of America XTRA Corporation International Dairy Queen, Inc. #realtorlife #realestateexpert #interiordesigner #luxuryhomes #homeselling #homestaging #realtormarketing #realestatestrategy #negotiationexpert #berkshirehathawayhomeservices #realestatebranding #realestateexcellence #realestateknowledge #realestateprofessional #realestateindustry #marketingproperties #realestatestorytelling #resultsdriven #negotiationskills #collaborativemindset #chess #realestatepartnership #realestateelevated #experiencethedifference #toprealtor #marketknowledge #homepresentation #internationalbranding #gamechanger #realtorsuccess #realestategoals #interiordesign #toptier #leading #realestatebroker #homestaging #stratey #negotiation #elevate #montreal #westmount #nunsisland #hudson #saintlazare #westisland #pointeclaire #beaconsfield #baiedurfe #senneville #saintlaurent #tmr #outremont #lachine #kirkland #ilebizard #oka #chertsey #sainteannedebellevue #iopenthedoor #workingwitharealtor #realestate #luxuryrealestate #buyer #seller #buyingahome #sellingahome #realestatemarket #winning #details informverifyadvise #disruptingrealestate #takingitupanotch #sellingrealestate #buyingrealestate #centris #mls #listings #candisnoble #luxuryrealtor #nobleandhome

Thinking of Buying a Home? Great. Your first step is to acquire that magical piece of paper... the Mortgage Pre-Approval Letter. Not sure where to begin? ​ So, who are the mortgage lenders in Canada? When it comes to the world of mortgage lenders in Canada, many people might default to the standard answer: "banks and virtual banks." But, is this the complete story? Join me this week as we delve deeper into the diverse landscape of mortgage lenders, here in the Great White North. You will want to discuss the following options and possibly others, in more depth with your personal Mortgage Broker. And if you don't have a licensed Mortgage Broker or Mortgage Advisor at this time and wish to be referred to one; reach out to me today, it will be my pleasure to connect you with a few trusted mortgage specialists with whom my clients have been satisfied. I have connections... and moreover, I have your back. With Candis Noble and Berkshire Hathaway HomeServices Qc... together; we have you covered. So, let's get to it! In reality, Canada's mortgage lending space is far more dynamic than you might think. The truth is, there are very few legal restrictions on who can lend money, and it goes beyond traditional banks. Let's explore the multitude of options available to borrowers. 1. Institutional Mortgage Lenders The majority of mortgage borrowers in Canada prefer to work with institutional lenders. These are well-established financial entities that can provide substantial funding for various borrowing needs. a. Chartered Banks Surprisingly, there are a staggering 81 federally regulated banks in Canada. These banks include the familiar brick-and-mortar institutions on your street corner as well as online-only services, often referred to as virtual banks. You can find the complete list of these federally regulated banks on the Canadian Government website. b. Credit Unions Credit unions, in contrast to chartered banks, are provincially regulated. One of the largest credit unions in Quebec is Desjardins. These institutions offer unique opportunities for borrowing, often with a more community-oriented approach. c. Mortgage Financing Companies (MFCs) MFCs, also known as monoline lenders, specialize solely in mortgage financing. They are known for their swift approval processes and competitive rates in certain categories. Some MFCs are quite substantial and may even receive funding from chartered banks. d. Insurance Companies It may surprise you to learn that some insurance companies also play a role in the mortgage lending market, particularly in larger projects. Their involvement can lead to innovative financing solutions that benefit borrowers. e. Mortgage Investment Corporations (MICs) MICs, as the name suggests, invest in higher-risk mortgages with relatively shorter terms. This unique category of lenders caters to a specific niche in the market, providing tailored solutions for those who need them. 2. Beyond Institutional Lenders In addition to these institutional lenders, Canada's mortgage lending market is a dynamic one, where corporations and individuals also extend their financial support to mortgage borrowers. This diversity allows for flexibility and customization, ensuring that Canadian borrowers can find the right financing for their unique needs. In summary, while banks and virtual banks may be the first lenders that come to mind, Canada's mortgage lending landscape is far more multifaceted. Whether you're a first-time homebuyer or a seasoned investor, there's a lending option to meet your specific needs. Stay tuned for more insightful updates on the Canadian real estate market! Please note that this information is subject to change, and borrowers are advised to conduct thorough research or consult with a financial professional for the most up-to-date information on mortgage lenders in Canada. Footnotes Federally regulated banks in Canada ↩ #MortgageLenders #CanadianLending #MortgageOptions #BorrowingInCanada #MortgageMarket #FinancialDiversity #CharteredBanks #VirtualBanking #CreditUnions #Desjardins #MonolineLenders #QuickApprovals #CompetitiveRates #InsuranceFirms #MICInvestments #DiverseLenders #ProvincialRegulation #OnlineBanking #MortgageFinancing #InvestmentChoices #CanadianRealEstate #MortgageBorrowing #LendingLandscape #CanadianBanking #FinanceOptions #HomeFinancing #BorrowersGuide #MortgageSolutions #BankingInstitutions #FinancialInstitutions #CanadianHomebuyers #MortgageDiversity #LoanProviders #CanadasMortgages #PropertyInvestment #FinancialServices #HomeLoans #CanadianEconomy #BorrowerResources #RealEstateMarket #LoanOpportunities #PropertyFinancing #MortgageInsights #HousingLoans #MortgageOptions #InvestmentStrategies #CanadianEconomy #Homeownership #MortgageEducation

NOBLE & NOTEWORTHY: Charlie Munger, the Vice Chairman of Berkshire Hathaway and longtime business partner of Warren Buffett, has left an indelible mark on the business world. His influence extends far beyond his role in the conglomerate, impacting various industries, including real estate through Berkshire Hathaway HomeServices. Charlie Munger has left a lasting impact on the business world and his contributions to Berkshire Hathaway's real estate arm are significant. Charlie Munger's Enduring Impact on Berkshire Hathaway HomeServices... The Munger Philosophy: Munger is renowned for his multidisciplinary approach to decision-making, advocating for a wide range of mental models to solve complex problems. His emphasis on understanding various disciplines, including psychology, economics, and business, has shaped his unique perspective on investing and leadership. Munger's famous quote, "I never allow myself to hold an opinion on anything that I don't know the other side's argument better than they do," reflects his commitment to thorough and well-rounded analysis. Influence on Berkshire Hathaway: Munger's partnership with Warren Buffett at Berkshire Hathaway is a legendary collaboration that has stood the test of time. Their complementary skills and shared values have been instrumental in transforming Berkshire Hathaway into a global conglomerate. Munger's strategic insights and ability to cut through complexity have played a pivotal role in the conglomerate's success, contributing to its remarkable growth over the years. Berkshire Hathaway HomeServices: Within Berkshire Hathaway, the real estate arm, Berkshire Hathaway HomeServices, has also benefited from Munger's wisdom. His focus on long-term value creation aligns with the company's commitment to providing exceptional service and building lasting relationships with clients. Berkshire Hathaway HomeServices continues to thrive in the competitive real estate market, drawing on the principles of integrity, trust, and expertise that Munger values. Famous Charlie Munger Quotes: "The first rule is not to fool yourself, and you are the easiest person to fool." "A great business at a fair price is superior to a fair business at a great price." "I never allow myself to hold an opinion on anything that I don't know the other side's argument better than they do." "Spend each day trying to be a little wiser than you were when you woke up." "The best thing a human being can do is to help another human being know more." "The big money is not in the buying and selling, but in the waiting." "You don’t have to be brilliant, only a little bit wiser than the other guys, on average, for a long, long time." Munger's Enduring Legacy: Charlie Munger's Enduring Impact on Berkshire Hathaway HomeServices is woven into every fiber and is part of its enduring legacy. As we reflect on Charlie Munger's impact, it's clear that his impact extends beyond the balance sheets of Berkshire Hathaway. Munger's influence on investors, business leaders, and the real estate industry is immeasurable. His timeless principles, encapsulated in speeches, writings, and interviews, serve as a guiding light for those navigating the complexities of the business world. Conclusion: Charlie Munger's contributions to the business world, including his influence on Berkshire Hathaway and Berkshire Hathaway HomeServices, continue to inspire and guide professionals. His wisdom reminds us that success is often rooted in a deep understanding of the world and a commitment to lifelong learning. Thank you, Charlie Munger, for your enduring impact on business and leadership.

Stable Market Conditions As we step into the promising landscape of 2024, Quebec's real estate market is set to undergo a welcome transformation. The Quebec Professional Association of Real Estate Brokers (QPAREB) recently released its comprehensive year-in-review and 2024 outlook, shedding light on key trends and projections. In the first of this year's NOBLE & HOME Real estate, Lifestyle and Design Blog post, we dissect the valuable insights provided by QPAREB, giving you a glimpse into what the year holds for both homebuyers and homesellers. QPAREB Unveils 2024 Quebec Real Estate Forecast | The Time is Now... A Return To A More Normal Market According to Stéphanie Lapierre, QPAREB's chief economist, 2024 is poised to usher in a return to a more normal market. The forecast predicts stable prices and sales close to historical norms, offering a breather for realtors, buyers, and sellers alike. While a slight drop of 2% in province-wide transactions is anticipated, this aligns closely with the historical average of 78,000 transactions over the last two decades, making it a robust year ahead for the Quebec real estate market. Factors Influencing Market Dynamics The anticipated transaction drop is attributed to factors such as high-interest rates at the beginning of 2024, a modest increase in the unemployment rate, and a slowdown in the economy. However, Lapierre suggests that the market is expected to pick up as the year progresses, driven by a combination of low inventory and subsequent interest rate cuts by the Bank of Canada. Buyer Negotiating Power – A Short-Lived Advantage Buyers are expected to wield more negotiating power at the start of the year, thanks to an increase in new listings. This window of opportunity, however, is projected to be short-lived. The announcement of interest rate cuts later in the year, coupled with increased immigration, is predicted to shift the market dynamics, empowering sellers once again. Regional Variances in Price Trends While the overall median prices for single-family homes in the province are expected to remain relatively stable in 2024, Montreal and Quebec City tell slightly different tales. In Montreal, median prices for single-family homes are projected to rise by 2%, reaching $549,400, while condos are expected to see a 1% increase, reaching $395,600. In contrast, Quebec City is set to outperform the province, with a 5% increase in single-family home prices (to $368,000) and a 1% growth in condo prices (to $244,900). Overbidding Trends and Negotiation Processes Overbidding, which was in decline throughout most of the province, remains a common practice in the capital, particularly in Quebec City. Demand for single-family homes is strong, yet availability is limited, leading to one out of every four transactions experiencing overbidding. Montreal, despite a decline in overbidding, still sees competitive scenarios for well-priced, high-quality homes in desirable locations. More Balanced Conditions QPAREB Unveils 2024 Quebec Real Estate Forecast and the time to prepare is now. As we venture into the new year, Quebec's real estate market appears to be navigating towards more balanced conditions. The insights provided by QPAREB offer valuable guidance for both buyers and sellers, highlighting the importance of timing and market dynamics. Whether you're looking to negotiate favorable terms or capitalize on strategic pricing, staying informed about the ever-evolving real estate landscape will be key to success in the year ahead. Considering Selling or Buying? The 2024 real estate market holds exciting promise, especially for those captivated by: The prime downtown Montreal Properties, the many West Island Suburban Properties as well as the unique and Varied Lifestyle Property Opportunities in Hudson, Saint-Lazare and Vaudreuil! I am Candis Noble, your dedicated trusted Real Estate Broker, Advisor, Interior Designer and a *Top-Rated Montreal, West Island and Hudson & Saint-Lazare Realtor... Offering bespoke service, and my exclusive Free Designer Home Staging with each and every listing! Let's explore the opportunities for selling and buying real estate together! Luxury Properties The West Island as well as the off-island of Montréal offers a collection of coveted waterfront and non-waterfront homes, from stately lakeside Signature Boomtown homes in Pointe-Claire Village to the many resplendent properties throughout Dorval, Beaconsfield, Baie-d'Urfe, Sainte-Anne-de-Bellevue and Senneville; each with their many unique and impressive views and lifestyles. Specializing in selling and buying luxury properties throughout these as well as Île-Bizard, Notre-Dame-de-l'Ile-Perrot, Vaudreuil, Hudson, Saint-Lazare, Rigaud and Oka areas, I am especially equipped to guide you through these unique real estate markets as a local expert in these areas. Top-Rated Real Estate Services Partner with me, Candis Noble, a top-rated Real Estate Agent representing Berkshire Hathaway HomeServices, acknowledged as the one of the most trusted and recognized real estate agencies worldwide; whether you are seeking a single-family home or a multi-family property, land, lots or Properties in Westmount, The Plateau, Verdun or Lachine...even Montéregie, Lanaudière and the Laurentians. I am committed to ensuring your journey is not only smooth but also a resounding success. Whether you are considering Buying or Selling Real Estate... I am ready to turn your dream home aspirations into reality. Contact me, Candis Noble today! Let's make your real estate dreams come true in 2024!

NOBLE & NEWSWORTHY | Greetings, fellow Hudsonites and nature enthusiasts! Today, I am thrilled to share some feathered news that's sure to make your hearts flutter with pride. The picturesque town of Hudson has officially been certified as a Bird-Friendly Town, thanks to the incredible efforts of the Hudson Environment Committee and the tireless work of Le Nichoir Wild Bird Conservation. Mark Gray, Hudson Town Councillor and Chairman of the Environment Committee, expressed the town's innate bird-friendliness: "Hudson is by its nature bird-friendly — with our canopied village and surrounding forests, our grasslands and wetlands, and the Ottawa River as a haven for aquatic birds." But what does it mean to be certified as a Bird-Friendly Town? Nature Canada, in collaboration with its partners, has initiated the Bird Friendly City and Town Certification Program. This program encourages municipalities across Canada to become safer havens for our feathered friends, ultimately working to reverse the alarming decline in bird populations. The town's certification is not just a feather in its cap; it's a commitment to creating a haven for biodiversity to flourish. Birds, as we know, are vital for maintaining healthy ecosystems. However, their populations are facing threats from various human activities such as climate change, pesticide use, and habitat loss. In the face of urban expansion, Hudson has taken a bold step to ensure that North America's bird populations are not just protected but nurtured for generations to come. Nature Canada's Bird Friendly City and Town Certification Program encourages community leaders and municipal decision-makers to take proactive measures. These include reducing threats like free-roaming cats, implementing bird-friendly building design legislation, promoting stewardship, and engaging citizens in nature-based climate solutions. One exciting aspect of the certification process is the creation of volunteer Bird Teams in each municipality. Hudson residents are now actively involved in protecting, monitoring, and celebrating their local bird populations. It's a true community effort to ensure that Hudson remains a haven for our winged neighbors. As we celebrate this achievement, let's also recognize the vital role played by Le Nichoir Wild Bird Conservation. Born and raised in Hudson, Le Nichoir has been working for wild bird conservation through public education and rehabilitation for the past 27 years. Their dedication has undoubtedly contributed to the town's rich avian diversity. So, what's next for Hudson? Expect to see initiatives to reduce human-related threats to birds, increased awareness through community events, participatory science, and celebrations like World Migratory Bird Day. The town is spreading its wings and taking flight toward a future where birds and humans coexist harmoniously. Hudson; A Green Community With a focus on nature-based climate solutions, Hudson is positioning itself as a green community. This aligns perfectly with the growing trend of environmentally conscious living. Real estate in Hudson isn't just about homes; it's about embracing a sustainable lifestyle. This Hudson community engagement fosters a sense of belonging, making Hudson not just a town but a community where everyone plays a role in preserving the town's unique charm. Hudson; A Forward-Thinking Community In a world where sustainability is key, Hudson's Bird-Friendly Town certification positions it as a forward-thinking community. This not only enhances the current desirability of properties but also future-proofs real estate investments as the demand for environmentally conscious living continues to grow. Hudson is not just a town; it's a lifestyle. The Bird-Friendly Town certification isn't just a badge; it's a promise of a harmonious coexistence with nature. As a Top Local Hudson Real Estate Broker, I am excited to witness how this certification will shape the real estate landscape in Hudson. Find Your Perfect Nest in Hudson... If you've ever dreamt of Buying a home where nature is your neighbor, Hudson is calling. I hope you will reach out to me, Candis Noble; your Local Hudson Real Estate Expert; having bought and sold myriad properties throughout Hudson as well as being a local resident and active member of the community. Let's explore the possibilities together Find your perfect nest in Hudson! Congratulations to the Hudson Environment Committee, Le Nichoir, and every resident who contributed to this remarkable achievement. Hudson is not just a beautiful town; it's now officially a sanctuary for our feathered friends. Let's continue as a community to spread our wings, soar to new heights, and ensure a future where birds and humans thrive together in harmony!