What is a Condo?

A “condominium” refers to a form of

legal ownership, as opposed to a style

of construction. Condominiums are

most often thought of as high-rise resi-

dential buildings,

but this form of ownership can also

apply to townhouse complexes, indi-

vidual houses and

low-rise residential buildings.

What do I own?

When you buy a condominium, you

own your unit, as well as a percentage

of the common property elements allo-

cated to the

unit. The boundaries of each individ-

ual unit and the percentage of com-

mon elements you own may vary from

condominium to

condominium, depending on how they

are specified in the condominium’s

governing documents.

Rules, Regulations and Reserve Fund You receive these documents known as a Status Certificate. Which gives you all the information regarding the legal aspects of your condo and building. For more information go to www.cmhc.ca or Call Charlene Bertin 519-857-5439

Welcome to 1615-45 Pond Mills

$79,900 Taxes $1114 Condo fees $274.00

Experience the

Executive Advantage

1 Bedroom Condo Large bright and spacious rooms Separate Dining Room All Appliances Included Exercise Room Whirlpool. Sauna 24hr Superintendant

Condo Information

Charlene Bertin Sales Representative Realty Executives Elite Ltd. Brokerage Office: 519-649-6900 Direct: 519-857-5439

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Mortgage Information

% Down CMHC Mortgage Monthly

Payment Premiums Payment

5% 3,995 2,087 77,992 $373

10% 7,990 1,438 73,348 $351

15% 11,985 1,189 69,104 $330

20% 15,980 0 63,920 $305

The minimum gross annual income starts at $36,434 up

to $40,475.

The interest rate is 3.09% based on a 5 year fixed rate

amortized over 25 years.

The taxes and condo fees are over and above the mort-

gage payment.

First time home buyers inquire about

incentives call Charlene Bertin for

more information

TD Canada Trust - Mortgage Specialist

Al O’Grady 519-902-8328

Email: al.o’grady@td.com

Not intended to solicit people already under contract.

Buying a home doesn't have to be a stressful experi-

ence. I understand the importance of such an invest-

ment, both personally and financially, and will assist

you every step of the way. These 12 steps will en-

sure you get your dream home. Together we can

make it happen

1) Make sure you are ready to buy

Before we jump right in you have to

make sure three things are ready You, Your

bank account and the market place

2) Decide what you want to buy

3) Sell your current home

4) Figure out how much you can

afford

5) Arrange a mortgage

6) Find a Realtor who is right for

you

7) See what’s out there

8) Make an offer

9) Find a home inspector

10) Add a Lawyer to your team

11) Close the purchase

12) Move in

Realtors aren’t just people who help

find you a home. They’re an invaluable re-

source for knowledge, contacts, and advice

that help turning a piece of property into a

home.

Looking to buy a Condo

I can help

Charlene Bertin—Sales Representative Realty Executives Elite Ltd Brokerage Independently Owned & Operated 519 York Street London, Ontario Office: 519-649-6900 Direct: 519-857-5439 Email: info@realestateoverthenet.com Website: www.realesateovrethenet.com

My Promise to you: Nobody out works me

I will always tell you the truth

My Purpose: is to help people feel good about their home ownership; feel good about their decisions; and give the people the respect they deserve. My Qualifications: Full time Realtor 14 Years

Member of London and St. Thomas Real Estate Board

Member of Canadian Real Estate Associa-tion

Member of Ontario Real Estate Associa-tion

Member of the Multiple Listing Service (MLS)

Excellent People skills

Excellent Negotiation skills

Out sell the competition 2-1

95% list to sell ratio

About Charlene Bertin