This is a wonderfully written and downright humbling testimonial from my client Kelly, who closed her house yesterday! Onwards to a new life Kelly and thank you for the kind words!

I recently began a process moving toward many changes in my life. I moved to the burbs years ago to raise my kids. Then, this fall, as I watched my oldest son get on a flight for England, a realization hit home... the time had finally come for me to make the move back to the city and begin another new phase in my life. Exciting. And at times, daunting. I had a house to sell and another to buy and many other arrangements to be made. That's when I made one decision that I will be thankful for, forever. I chose Sonya Cote to be my real estate agent. She was going to guide me through the process, understand my situation, and move me toward my future. Well, this was not my first rodeo. I'd worked with agents I liked, and they came through and got the deal done. But this time, something was very different. You know how we often don't know something until we know it. Like, if someone described a color to you, you'd get a sense of it but you probably wouldn't fully experience the joy that color can truly bring until you see it with your own eyes?... Sonya is that color. She assessed every part of my situation... simply because it's part of her process, not because I asked her to. She predicted all of my concerns. Sonya is an expert communicator and has a way of speaking to people and making connections that puts everyone at ease. And not only are deals made, but everybody's smiling while they make them. She can see through walls, I'm sure of it. She gets ideas about design and structure because she's been there, done that. She helped me stage my place and it sold in under a week. And then - I still don't know how she did it, but like any great magic trick, you don't need to know, just enjoy the show - Sonya found the perfect home for me, at the right price, EXACTLY where I wanted to live. That deal also went from start to finish in less than a week. What can I say. it was not a fluke. She is a natural and she cares. If you ever need an agent or know someone that does, call her and witness for yourself the magical stylings of Sonya Coté, real estate agent extraordinaire!

Kelly F.

Friends, colleagues and new beginnings

As some of you know, I've been a professional singer and actress for over 2 decades. I've also been an avid house renovator and, for the last few years, I've been a very active realtor. I love combining the two. All my clients are cherished by me, and lately, with the actors I've helped...well... I've been downright humbled by being the one they trusted to guide them into their new houses and new lives. I act from my heart and my well earned real estate savvy for every one of my clients. No one can afford to lose a good deal when buying and no one is taken for granted when selling. Actors are a whole other ball game, I know we've been sidelined by many financial folks when considering a real estate move. I have a few favourites - Jon Sowerby for one - who are extremely creative and work around the clock to get my clients where they need to go...safely into the world of buying and selling when their finances look a little different to conventional lenders. My latest client is a lovely and very funny lady. A lifetime actress and writer, she had no shortage of one liners...I loved working with her. I sold her house in Mississauga and bought her a new one here in East Downtown. As she'll tell you herself in her upcoming testimonial, it was a slam dunk! Her burbs house went quickly. No fancy renos brought folks to the door. She simply listened to my advice on how to clean up the house, de-clutter it and, having the luxury of being in a sought after school district, I advertised it and worked the phones with the realtors who'd shown it to their clients, and I ran a week's worth of showings and open houses and pulled in multiple offers on the big night. She sold for $15K over asking! Next up was the perfect house for her...but in downtown...on her budget! Not an easy task but I believe me and the universe always provide when we're instructed.... The first house we saw was the one for her. It's just a few streets north of the Distillery District..I knew this was it and almost dreaded showing it to her. I felt I might have robbed her of the whole shopping process. But, it's a perfect house for her, and though ahead of her buying schedule by 3 months, we leaped on it. It was a multiple bid situation, and of course....we won. Ha! Ms. Kelly now joins the ranks of a few other actors I know who've used my services lately, to join the East Downtown crowd after a hiatus in the burbs and I have to say, seeing them in their favourite coffee shops and restaurants is a personal victory for me. Every sale and purchase is a new beginning and I'm so proud to sit back and watch them florish in their new lives!

Steady as she goes ...the market, that is!

Jon Sowerby is bang on again, in his detailed report below. It's a dry read but come on, he tries hard...bear with him and read to the end....very valuable information! 1. Market Update - No Surprises as Bank of Canada maintains rate and warns of too much debt (again). We’ve heard the story for 2 years now – rates won’t be changing but the average debt of a Canadian household is cause for concern. The average Canadian family will suffer if rates were to move even a couple of percentage points. Spending is out of control. Growth is within a slim margin of where we thought it would be. Steady as she goes. My Opinion? It might almost be better for Mark Carney of the Bank of Canada to hold off on regularly repeating the same old thing every 6 weeks or so. 1) It makes for some terribly repetitive articles from me (sorry, I realize mortgages and lending should be fun to read about and believe you me I am trying my darndest) and 2) it’s because it really starts to hurt the credibility of arguably the country’s most important banker. Although I have had my issues with Minister Flaherty over what I believe have predominantly been poor policy choices with regard to mortgages, one place where I cannot fault him is in his willingness to act. Although I believe much of the action taken has rather missed the point (still waiting to see something from government on unsecured debt like credit cards with rates of 20%+ plus during an interest rate environment that has some of the lowest lending rates on record) but the man has been out there doing something. Contrast that with Mark Carney governor of the Bank of Canada and you can only draw the conclusion that he’s become somewhat irrelevant on the domestic financial scene. Ironically, he has become the toast of the international markets as he continues to give speeches to various countries all over the globe on how to manage their way through a crisis. But proving the old adage that “you can’t go home” the man and his office have become something of a paper tiger in Canada. You can only hear someone threaten an action for so long before you think they just might not do it and clearly that’s a bad thing when you are in essence at the top of the heap of financial decision makers. At some point it likely means a day of reckoning will have to come and let’s all just hope that Mr. Carney doesn’t feel he has a point to prove when things finally swing his way and he is in a position to increase rates. Until that time however, he just might want to you know, put the regular announcements on hold due to a skiing trip or something. 2. Housing Market Revisited – where are we 6 weeks later? In my last piece of commentary I spent a little time looking into the housing market in primarily the GTA. At the time I made some notes about how although the media has frequently portrayed the housing market as one that was suffering and in imminent fear of collapse I illustrated that while the headlines looked dire the facts and figures were somewhat more banal. Once upon a time in a very different period of my life I ran a team of analysts and to this day I still (although believe me when I say I have tried to stop) carry something of an analysts eye. And an analysts disdain for the way things are all too frequently handled in the media. What I mean by that is as follows: The media and folks in general are really good at what I call straight line analysis. What I mean by that is if the markets were down 5% last month in 5 more months we’ll be down 30%. In other words just turn whatever happened, usually based on a very short term, into a definite long term trend, or straight line analysis. For example, last week we got some numbers out for August and they were off previous months. In some instances a decent drop – a decline of 5.8% in homes sales for Canada year over year and in some instances jaw-dropping, led by the decline of 30.7% in the Greater Vancouver Market. Needless to say the one month trending curve is looking pretty scary for anyone who just bought a house! Fearless prediction – it will probably be down in September too. My own personal experience was September was a little slower for new purchases although things have since picked up somewhat in October. Some however, would have you believe that this is in fact the end and you can indeed stick the fork in the housing market. However, (and again putting on my analyst hat) what I am about to share with you is purely anecdotal which mean Not necessarily true or reliable, because based on personal accounts rather than facts or research. In particular this news of the wheels coming off the housing market are likely poor consolation to the 4 couples I have been working with who in the last 4 weeks have lost out in multiple offer situations or the 3 people who actually were able to buy in situations where there were multiple bids but ended up paying more than they hoped. So what does all this really mean? In a word, not much (OK, 2 words for my fellow analysts). As I stress on a regular basis a home purchase is a personal decision influenced by many factors. Looking at broad bands of ultimately very specific statistics is the sort of thing that usually leads to more confusion than good. Now, if some of our friends in the media started to run numbers with 3 year and 5 year and 10 year averages I might be a little more inclined to pay attention. But that’s not what you would call sexy and so the status quo stories are pushed to the side in favour of something that will generate some more water cooler chatter. In the meantime however, what they write or don’t write is likely to have little impact on your personal situation and so I would invite you if you do have questions to touch base with me and let’s get into detail. If I can’t answer your questions I likely know someone who can. It certainly doesn’t hurt to ask and inform yourself at a more intimate level. One thing however on which I would agree with the popular sentiment is as it relates to interest rates. Briefly, I would agree that although it doesn’t look like things are going to change in the short term the clock is ticking on low rates. So I do say that getting your refinancing in or seeing what you would qualify for on a purchase is the sort of thing you should probably be doing sooner. Especially consider those refinances if you have outstanding credit card debt, student loans, car loans etc. No matter what the prognosticators know or don’t know about how the market will turn out, trading high interest rates for low interest rates will make you a winner on your balance sheet every time. 3. Working with professionals: One of my goals as a financial professional over and above my goals as your mortgage professional is to provide you with a support network that will help you manage your complete financial and real estate situation in the way we have managed your mortgage situation – by putting you in touch with ethical, principled and knowledgeable specialists from a variety of fields. If you have questions or needs in any of the following areas: • TVH Mortgages run by yours truly, Jon Sowerby as Mortgage Broker and Broker of Record • TVH Financial, dealing with Investments and Insurance is headed by Jim Lao , Financial Advisor • TVH Legal, dealing with Real Estate and Estate law in addition to civil litigation is headed by Sonia Kociper, Lawyer • TVH Accounting, dealing with personal and business tax matters headed by David Jamestee, Chartered Accountant We also know some excellent people in the following fields: o Real Estate - (and by the way, Sonya Cote is one of our top producers!) o Property Insurance o Contracting Email or phone me, whichever is more convenient. I’m always happy to help and why wonder and maybe miss an opportunity when a few minutes of your time could provide all the help you need. Take care and stay in touch! Jon Sowerby Verico TVH Mortgages Inc. 63 Lombard Street Toronto, ON M5C 1M2 Phone/Fax 416-488-0074 Toll Free 866-449-0074 www.jonsowerby.com Brokerage License No. 11946 License No. M08002811

Jon Sowerby is a respected mortgage expert. And he's not without a good sense of humour and not above pointing out the silliness that goes in newsprint these days about the housing market! Read on... 1. Market Update - So we keep on hearing about the pending collapse of the housing market, what should we believe? So I keep on hearing about the pending collapse of the housing market. Clearly it's quite a concern. I know it's getting bad when my parents start getting asked at various family functions if my business is still afloat. So I decided to do a little decidedly very unscientific research about the pending collapse that everyone knows is coming. With keyboard at my finger tips I pulled up the Toronto Star's website going back over the last 14 days to see what the papers had to say about our pending housing market collapse and this is what I found: The first article I thought would be a good one, titled Coping With the Ever Shrinking Condo. Clearly if the condo market is getting smaller it must be because no one wants them. But when I read the article I had made a faulty assumption. It wasn't about a declining condo market it was about the declining square footage of condos. Apparently, this decline in square footage was as a direct result of the condo becoming more popular. In order to cope with this increased popularity that saw demand outstripping supply which was then leading to rising prices condos were actually getting smaller to try and keep them affordable. As this didn't exactly hold with the pending collapse I thought I would move on. Luckily I felt my luck improved when I found my next headline - Toronto Housing Market Softening. Now we're getting somewhere! When I read through the article it talked about price increases proceeding at a slower pace and I thought this is it. Then it occurred to me, prices increasing at a slower pace are still increasing prices. So if price increases are still the norm then obviously this isn't quite the proof that the market has fallen apart. Again, increasing prices isn't really what I wanted to hear about. I needed some proof that the market was in trouble. I had to keep looking! Three's the charm as the say so next article will be the one. When I saw the title - Immigration, Low Rates to Save Toronto Condo Market, I knew I had it. Obviously the Toronto condo market was in distress hence the reason immigration and low rates were needed to save it from decline! But again, disappointment. When I read through the article the gist of it was prices in the condo market have done really well in the last year. The "decline" in sales was a stunning 1% from the all time high (it didn't mention year over year or month over month), but again, I guess with a decline of 1% the market was still pretty strong was . Prices, when mentioned, were again rising but at least not as quickly. By this time, my confidence at getting my mother any sympathy at her next cocktail party had been severely shaken. The final nail in the coffin was when I saw the next article - Condo Prices Set to Rise in 2013 as Demand Continues to Grow. And I thought the condo market was the one that was supposed to be in the most trouble. I won't even get into the articles talking about the severe shortage of single family dwellings in the city and what that would mean to prices. Clearly none of this made any sense - didn't these journalists read the papers? There was an opinion for every side, every market, every angle. Condos will go up in price but single family houses will go down. Condo's are oversold but semi's and detached still experience bidding wars, etc etc etc. What's a person to believe? My Opinion? Newspapers don't exist to sell houses, they exist to sell newspapers. If you can look at some of those headlines and not feel that they are at least somewhat misleading, likely in an effort to grab your attention and get you to pick up the paper then I would say we will have to agree to disagree. But newspapers also report the news and a lot of these reports are coming out of banks or other groups with interests such as increasing a corporate profile, building a brand, selling houses or otherwise. So when I think of how to answer the question "will the housing market go up or go down" I can't help but think we might be asking the wrong questions. I think the questions should be more personal and more about you as a possible consumer. Something that touches your situation personally and frankly, housing markets may or may not do that. In many ways it may not matter to you. If you're renting and you want to own a home because you are tired of giving that money away in rent then you know you want to buy. It might be tougher in a stronger market to purchase but the decision is still to purchase. If you own a place and you're not really thinking about moving or refinancing anytime soon then what the market does doesn't really impact your situation. If you find the perfect place that is right for you and it works for you financially, then I think what the market may or may not do is at least somewhat inconsequential. I think the point I am trying to make is sometimes it doesn't matter what everyone else or everything else is doing. You do something because it makes sense for you at a certain time and place or you don't do something because it doesn't. Trying to predict, guess, hope or understand what the market is going to do is often times a surefire way to drive yourself nuts. Still confused? Not sure if you should be worried? Email or call. I'm always happy to discuss. For those who would like to review some of the articles I found please feel free to click on the links! • Toronto housing market softening http://www.moneyville.ca/article/1248888--toronto-housing-market-has-seen-considerable-softening-just-since-may • Coping with the ever-shrinking condo http://www.thestar.com/yourhome/real%20estate/article/1246310--coping-with-the-ever-shrinking-condo • Condo prices set to rise in 2013 as demand continues to grow, report says http://www.thestar.com/business/article/1249028--condo-prices-set-to-rise-in-2013-as-demand-continues-to-grow-report-says • Immigration, low rates to save Toronto condo market http://www.moneyville.ca/article/1249346--immigration-baby-boomers-and-low-interest-rates-will-save-toronto-condo-market-from-major-downturn-conference-board-predicts • Canada’s home price rise continues to slow in July http://www.thestar.com/business/article/1248589--canada-s-home-price-rise-continues-to-slow-in-july • Toronto housing market softening http://www.moneyville.ca/article/1248888--toronto-housing-market-has-seen-considerable-softening-just-since-may • Fears of steep home price decline ‘much ado about nothing,’ CIBC says http://www.thestar.com/business/article/1245856--continuing-demand-will-cushion-home-price-decline-cibc-economist-says 2. Mortgage Penalties - want to be part of a class action lawsuit? Now, although I have often used this newsletter to criticize the government for their involvement in mortgage regulation one area where I think Mr. Flaherty could actually do some good is in relation to how break penalties are applied for those leaving a mortgage early. In my experience banks are for a variety of reasons generally lax on explaining how prepayment penalties work when issuing a mortgage. The simple fact is that while the ideology behind how a penalty should be charged is fairly consistent the application of that ideology often varies significantly from lender to lender. Accordingly, the government could actually do a little to try and improve transparency on this front. With that in mind, I thought I might share the following: A client of mine was recently charged a large penalty for prepaying his mortgage prior to the end of a 5 year fixed term. His argument was the method the bank used to calculate the penalty was unfair; it maximized the banks advantage while putting him at a disadvantage. He consulted a legal expert for an opinion and it was recommended that it might make sense to pursue a class action lawsuit. Now normally, I try to dissuade people from breaking a mortgage when the penalty is going to be egregious. That said, sometimes people have no choice. If this is something that has happened to you in the last 2 years and you would be interested in the opportunity to be heard and possibly recoup some of your costs this might be a worthwhile endeavour. Needless to say if this might be applicable to you feel free to touch base with me and we can discuss. If it makes sense I will then put you in touch with the appropriate people. 3. Working with professionals: One of my goals as a financial professional over and above my goals as your mortgage professional is to provide you with a support network that will help you manage your complete financial and real estate situation in the way we have managed your mortgage situation – by putting you in touch with ethical, principled and knowledgeable specialists from a variety of fields. If you have questions or needs in any of the following areas: • TVH Mortgages run by yours truly, Jon Sowerby as Mortgage Broker and Broker of Record • TVH Financial, dealing with Investments and Insurance is headed by Jim Lao , Financial Advisor • TVH Legal, dealing with Real Estate and Estate law in addition to civil litigation is headed by Sonia Kociper, Lawyer • Finally, TVH Accounting is a work in progress and we hope to be able to provide you with more details very soon!

Jon Sowerby - Mortgage Guy Extraordinaire has this to say

Mortgage tightening just in time for a slower housing market? 1. Market Update - Has the Government pulled the trigger on a further round of tightening mortgages just as the housing sector is poised to slow down?. The Canadian Economy is growing at a pace that is slower than originally forecast and accordingly the Bank of Canada will hold off on any increases to interest rates at least until it's next announcement in September. Given Canada isn't truly expected to be on course until the second half of 2013 any changes to rates will be very gradual up until that point where it can be expected, assuming forecasts are in line with reality, that the BofC will begin a more aggressive pace of rate increases. http://www.680news.com/business/article/383433--bank-of-canada-keeps-interest-rate-at-1 News of this slowing growth comes on the heels of the Government of Canada courtesy of Minister Flaherty reducing the maximum amortization to 25 years for all CMHC insured loans along with a variety of other changes designed to further cool the Canadian housing market. That said, per the link below there are some who feel the market may have already been cooling on its own. http://business.financialpost.com/2012/07/16/new-mortgage-rules-simply-pull-hard-on-closing-door-as-housing-market-cools/ My Opinion? In layman's terms I believe the phrase self fulfilling prophecy is probably appropriate. We have been warned by financial gurus and the like ad nausea now for years about the impending implosion of our housing market. Well, if you sit in a position of power, keep trying to tighten things, get the media on side and then just be patient, the regular ups and downs of an economic cycle will eventually make you right. Accordingly, it looks like Minister Flaherty may eventually be right. The question is at what cost? 2. Amortizations - Why does the government think longer amortizations are bad and what can be done? So the government has capped out the maximum amortization at 25 years and some of you may well say good for the government! If you can't afford it on a 25 year amortization clearly you shouldn't have the home! The Gail Vaz Oxlades and Rabina Ahmed-Huks of the world delight in telling us how we should pay cash for absolutely everything and they enjoy throwing out simple rules about housing that your mortgage payment shouldn't be more than 25% of your total gross income. In point of fact I was listening to a radio show featuring the latter and she went so far as to say people taking a 30 amortization were in her view "irresponsible". Well, I happen to take exception to that on a few levels: First, the average price of a home in the GTA is slightly over $500k. Allowing for that rule and assuming you as a new homebuyer finally got enough to scrape together a down payment, pay the land transfer tax etc you need an income of about $150k to afford that house on their numbers. Remember we're not discussing a million dollar home - this is average and from the prices I've seen probably on the lower end. Secondly, I'm not sure when exactly it became necessary to pay a mortgage off in 25 years and why that number is "the" number but if average purchasers are around 30 years of age and people nowadays are expected to work until they're 67, I'm not catching the science behind the math of 25 years to pay off the debt. Third, a number of people will never pay down the initial mortgage completely until they sell and downsize. If you have equity in your home I don't see the big issue. Ask some seniors who are cash flow poor but asset rich because they've paid off their mortgage why they're sitting on a $500,000 asset? Most don't have a good answer because when they start to think about it they often wish they had perhaps put a little more of that cash into a savings plan and less into the mortgage payments. In many instances the option they are left with is called a reverse mortgage - a type of financing that enjoys a negative reputation and in my opinion for good reason. Interesting how you can only obtain those through the Canadian Mortgage and Housing Corporation. I am not suggesting this is a conspiracy but I think there is definitely some irony at play. Finally, what if you simply think it is prudent to have the ability to decelerate your payments for whatever reason? People have income interruptions like job loss or maternity leave. Sometimes they need to make repairs or want to start a business. Perhaps they want to buy some income properties and diversify some of their holdings. All of these situations are tailor made for a longer amortization. But rather than allow people the choice of paying more quickly or more slowly as necessary based on their situation instead the government has mandated that one size must fit all. Well, here at least I can offer some help. The fact is it is still possible to obtain longer amortizations under certain circumstances. The primary driver is the equity you have in your home - or simply put the difference between the value of your property and what you owe. If you have a property that has more than 20% in existing equity or you are purchasing a property and putting down 20% or more there is a chance you can still obtain a longer amortization. 30 and in a few cases 35 year amortizations! For those of you who do watch your cash flow this at least can be seen as a positive - but unfortunately these perks are only available to the well capitalized. Although it seems counter intuitive the people who are trying to make it, like first time buyers will simply have to make do with lower ams and higher payments. Unfortunately I think this will have the effect of keeping some younger Canadians and those with lower incomes out of the housing market for the foreseeable future. 3. Working with professionals: One of my goals as a financial professional over and above my goals as your mortgage professional is to provide you with a support network that will help you manage your complete financial and real estate situation in the way we have managed your mortgage situation – by putting you in touch with ethical, principled and knowledgeable specialists from a variety of fields. If you have questions or needs in any of the following areas: · TVH Mortgages run by yours truly, Jon Sowerby as Mortgage Broker and Broker of Record · TVH Financial, dealing with Investments and Insurance is headed by Jim Lao , Financial Advisor · TVH Legal, dealing with Real Estate and Estate law in addition to civil litigation is headed by Sonia Kociper, Lawyer · Finally, TVH Accounting is a work in progress and we hope to be able to provide you with more details very soon! We also know some excellent people in the following fields: o Real Estate o Property Insurance o Contracting Even if you don’t have a mortgage need at the present time but you need some help in one of the above areas please call or email me. I am privileged enough to work with some of the best in the business and I know they will take excellent care of you and yours. *Have a need in a field you don’t see above? Let me know, I might still be able to help! 4. Question? Comment? Know someone who might need help? Do you have a question or a comment? Do you know someone who is considering their financing options and would like some straight forward advice? Why not take a moment to send me your question? Email or phone me, whichever is more convenient. I’m always happy to help and why wonder and maybe miss an opportunity when a few minutes of your time could provide all the help you need. Take care and stay in touch! Jon Sowerby Verico TVH Mortgages Inc. 63 Lombard Street Toronto, ON M5C 1M2 Phone/Fax 416-488-0074 Toll Free 866-449-0074 www.jonsowerby.com Brokerage License No. 11946 License No. M08002811

Beautiful Complete Renovation 361 Rhodes Avenue $569,900 Come See! http://www.pfretour.com/7649

Welcome to 163 Booth Avenue! $699,900 A two bedroom renovated gem in the heart of Leslieville and yes, it has parking.....in fact, it has a double garage! http://www.pfretour.com/7034 MLS version; http://www.pfretour.com/mls/7034

45 Simpson Avenue, listed at 769,000 and sold this evening for $868,000!

45 Simpson - Grand Dame of a house in prime Riverdale is taking offers this evening at 5pm. http://x.co/h9xT

New Listing!
29 Allview Crescent - offered at $669,000
Beautiful extremely large 3 + 1 bungalow in Bayview Village.
Virtual Tour is here;
http://x.co/dHyf

Join me for the open houses Wednesday February 1st from noon till 2 and Saturday and Sunday, the 4th and 5th, from Noon till 4 pm.

Jon Sowerby from TVH Group speaks;

When is 2.99% not really 2.99%?

Recently, lenders made a bit of a splash when the announcement was made that a 5 year fixed rate mortgage term could be had at an interest rate of 2.99%. Needless to say this exciting news certainly generated some buzz! Now, not that I am biased but I can certainly appreciate as much as the next mortgage broker when something draws attention to the mortgage industry. It gets people thinking about refinancing their homes to pay off debt or perhaps buying a new place. Clearly, money is about as cheap as it can be so if there is a time to do something it is likely now. However, I do bring this to you with a note of caution. Simply put while the rates are great unfortunately not all mortgages are created equal. So while some of these offerings will do wonders for your balance sheet and be all they were supposed to be, some of these products will come with a pretty healthy dose of buyer beware.

When you are going through the hectic process of buying a home or perhaps struggling to get out of debt you don't always take the time to stop and read the fine print. Although the numbers might seem very right, sometimes everything else is extremely wrong. Now it would be disingenuous of me to write that I don't like the idea that rates have fallen. Given my profession I generally view this as a positive both for the consumer and my business. But as surely as I feel that way I can also tell you that sometimes these offers come with significant strings attached. Accordingly, I encourage you to be careful. Make no mistake, if you are thinking now might be a good time to take care of those credit cards or upgrade to that bigger house you're probably right. But let's do it properly. Needless to say, I am here to chat with you or any of your friends or family who want to take the plunge. Call or email and we'll get the ball rolling. That way you can be certain that when you do make your decision and settle on a mortgage solution that you are making the right choice!

- Even if you don’t have a mortgage need at the present time but you need some help in one of the above areas please call or email me. I am privileged enough to work with some of the best in the business and I know they will take excellent care of you and yours.
Jon Sowerby

Verico TVH Mortgages Inc.
63 Lombard Street
Toronto, M5C 1M2
Phone/Fax 416-488-0074
Toll Free 866-449-0074
www.jonsowerby.com
Brokerage License No. 11946
License No. M08002811

Exclusive Listing. Click my Facebook link and friend me to see lots of pictures.
Address is 72 Arundel Avenue. Listed at $849,000....3 + 1 bedroom, 2 car parking, steps to Danforth near Logan. This is a total renovation, from inside out, top to bottom, done to perfection by exquisite renovator, granite countertops, high quality hardwood flooring. Details are beautifully done and this is ready for move in!