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Although the pandemic has slowed Toronto down, man

Although the pandemic has slowed Toronto down, many people have really taken this opportunity to capitalize on the real estate market.

Aron currently works in the downtown core and wanted an easy commute to work. We discussed what he was looking for and when a new listing came out one morning, we went to see it right away. Thanks to our prompt viewing, we were able to secure the property that day!

It’s always a great feeling when you find what your client was looking for and their offer is accepted! Thank you Aron for choosing me to assist you in your new chapter 🤗👏

#realtor #realestate #worklife #wfh #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #testimonial #clientlove #appreciation #monday #mondaymood #mondaymotivation #thankful #thankyou #grateful #myplace #client #clientappreciation

Is it already 1pm?! It’s been such a busy mornin

Is it already 1pm?! It’s been such a busy morning catching up on emails after a full weekend of showings. 😅💪

Hope everyone’s having a good start to the week! 😊✨

“With interest rates increasing, buyers are begi

“With interest rates increasing, buyers are beginning to lose purchasing power.”

It’s not a surprise that due to COVID-19, the real estate market in 2020 has seen one of their best years to date. As we are still in the midst of the global pandemic, the market is still continuing to garner success. At the beginning of COVID-19 we witnessed some of the cheapest mortgages in Canada, but in 2021 we are starting to see fixed mortgages rates climb for the first time since before the pandemic hit.

Home lending rates plummeted while many borrowers with strong credit benefited from refinancing a five year fixed rate home loan at rates below 1.5%; which was the cheapest we have ever seen in Canada. It’s no surprise that many of Canada’s major banks have raised their rates on several of their mortgage products. Many people who have been waiting on the green light to proceed are actually losing money and potential opportunities for great rates.

With the market ever changing, it’s hard to stay up to date. I’m here to help, let’s talk. 🤗📩

#realestate #realestateagent #luxury #luxuryrealtor #luxuryrealestate #luxuryrealestateagent #luxuryhomes #justlisted #newlisting #listing #new #forsale #sale #newproperty #hotproperty #realestateinvesting #lornepark #mississauga #portcredit #mineola #firsttimebuyer #home #newhome #luxuryproperty #sold #friday #realestateinvesting #mortgage

These photos were from a trip I took with my famil

These photos were from a trip I took with my family a few years ago. Going to Antigua with my mom is the best way to have an authentic experience because it’s where she grew up. Staying with family rather than in a hotel gave me the chance to learn more about the country and my culture. We used to visit Antigua often to see my Grandma and other family - this is my happy place 🥰

I can’t wait till we can travel again, this is definitely where I’m going first! ✈️🏖

#realtor #realestate #realestateagent #luxury #luxuryrealtor #luxuryrealestate #luxuryrealestateagent #luxuryhomes #justlisted #newlisting #listing #new #forsale #sale #newproperty #hotproperty #realestateinvesting #travel #tbt #vacation #throwback #throwbackthursday #thursday #trip #antigua

It’s officially the first week of spring!😎☀

It’s officially the first week of spring!😎☀️

Spring always feels like a fresh start. It’s time to purge my closet, swap wardrobes, and start getting outside more.

This winter has felt especially long with the COVID-19 lockdowns keeping me inside most of the time. I have never been more grateful for a season change!

Am I the only one whose mood has improved significantly?🥰🤗

#realtor #realestate #realestateagent #luxury #luxuryrealtor #luxuryrealestate #luxuryrealestateagent #luxuryhomes #justlisted #newlisting #listing #new #forsale #sale #newproperty #hotproperty #realestateinvesting #lornepark #mississauga #portcredit #mineola #firsttimebuyer #home #newhome #luxuryproperty #spring #springtime #springisintheair #tuesday

“Generally, saving an additional 1.5% of the pur

“Generally, saving an additional 1.5% of the purchase price is advantageous to help cover closing costs…” 🤗💡💲

I always advise my clients to consider closing costs when discussing the process of buying or selling a home. Here are some common closing costs:

➡️Land transfer tax - which is based on purchase price. There is a calculator on my website

***You do get a rebate as a FTHM which covers up to $4,475 on Municipal Land Transfer Tax, and $4,000 on Provincial Land Transfer Tax. To qualify for this rebate, you will need to intend to occupy the property within 9 months.***

➡️Appraisal ($300-$350)

➡️Legal costs (approx. $2,000)

➡️Home inspection (house = $500, condo $300)

➡️Title insurance (around $250) - protects against fraud, liens on property, etc.

➡️Mortgage insurance (If less than 20% down)

➡️Home insurance (varies)
+ moving expenses, repairs, appliances, bills, etc.

***There is a FTHB tax credit which is intended to help with closing costs. FTHB are eligible for a rebate up to $750 for closing costs, which you may claim the year of your purchase.***

Still have questions, DM me! 📩👋🏽

#realtor #realestate #realestateagent #luxury #luxuryrealtor #luxuryrealestate #luxuryrealestateagent #luxuryhomes #justlisted #newlisting #listing #new #forsale #sale #newproperty #hotproperty #realestateinvesting #lornepark #mississauga #portcredit #mineola #firsttimebuyer #home #newhome #luxuryproperty #monday #spring #news #tips #closing

It’s all about the view. ☀️🌇 Many of my

It’s all about the view. ☀️🌇

Many of my clients are not opting to move into bigger spaces outside of the city, despite the real estate trends born out of COVID-19. They have found this moment as an opportunity to get into the Toronto real estate market, especially in central locations.

With the low trend-setting interest rates; it’s no surprise that March is seeing the largest share of sales priced above asking since 2017.

Send me a DM if you have questions about Toronto’s current market. 👋📩

#realtor #realestate #worklife #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #justlisted #forlease #lease #newlisting #firsttimehomebuyer #sold #friday #facts #tips #news #tgif #dmmeformoreinfo

It’s always a great experience finding a couple

It’s always a great experience finding a couple their first home! 🤗👩‍❤️‍👨

It is truly an honour to be a part of this important step in my clients lives, especially when a couple is starting their life together.

Thank you for being patient and truly respecting my advice and recommendations.

Good luck on your future together and in your new home. 🏡🥰❤️

#realtor #realestate #worklife #wfh #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #testimonial #clientlove #appreciation #monday #mondaymood #mondaymotivation #thankful #thankyou #grateful #myplace #client #clientappreciation

I remember one of our first conversations when we

I remember one of our first conversations when we met in elementary school - I asked what you wanted to be when you grew up, and you said “a doctor”. Today, that dream is officially a reality. My sidekick since ‘05 can now be addressed as Dr. Paluszkiewicz.

⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
I am so proud of you! The last 4 years have not been easy, but you stayed focused on your goal and came out on top. Hard work pays off! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Love you & a HUGE congratulations! @juliapalu 💗🥂✨

Am I the only one who misses print media? With so

Am I the only one who misses print media?

With social media, emails, client calls (zoom and phone), I find I spend way too much time on my phone. 😉😂

One of my favourite things to do on a weekend is indulge in some magazine reading. From interior design to fashion to current news; I find it so refreshing to take a break from the constant scrolling on my apps to flipping pages.🥰📖

#weekendreading

#realtor #realestate #worklife #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #justlisted #forlease #lease #newlisting #firsttimehomebuyer #sold #zoom #reading #friday #book #goodbook #weekend #mood #media

Can you believe we are already in the second week

Can you believe we are already in the second week of March 2021?! 🗓😎

Have you had a chance to check out my March newsletter? 📨

Visit my website for all the latest updates on Soroya Dempsey Real Estate!

And you can sign up for my newsletter there too. 😉 Link in bio! 👆👆👆

#realtor #realestate #worklife #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #justlisted #forlease #lease #newlisting #firsttimehomebuyer #sold #wednesday #humpday

Today marks International Women’s Day 2021 - cel

Today marks International Women’s Day 2021 - celebrating how far we as women have come in society, and continuing to raise awareness of gender inequality.

Did you know that International Women’s Day was started by a woman named Clara Zetkin? She suggested the idea in 1910 at an International Conference of Working Women in Copenhagen. There were 100 women there, from 17 countries, and they agreed on her suggestion unanimously.

Happy International Women’s Day!!💪🤗

#realtor #realestate #worklife #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #justlisted #forlease #lease #newlisting #firsttimehomebuyer #sold #monday #femaleentrepreneur #female #women #iwd #internationalwomensday #powerfulwomen

JUST LISTED ✨ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀

A year ago today, I lost my brother. It was the k

A year ago today, I lost my brother. It was the kind of profound loss that turned my life upside down. I had been lucky enough not to experience true heart wrenching grief up until then. My brother has always taught me a lot about life, both while he was alive and through his death. This year I learned how much love transcends our experience on earth. I learned the meaning of true heartbreak. I learned how ugly the world can be. I learned just how important family & true friends are...and I am learning how to live with a sadness that will never go away.

My brother was intelligent, thoughtful, kind, funny, protective, strong, sensitive, and genuine. Everyone who knew Wayne, loved him. He was special. He could light up a room and captivate anyone he spoke to. He loved to tell funny stories, and he always had a lot of them. Growing up with Wayne were some of the best years of my life.

I miss everything about him, even the imperfect parts. Summer BBQs at his condo, binging episodes of the Dave Chapelle show, going to the movies, our long late night conversations about life, how he would break the ice with a joke after a sibling dispute...
there are too many memories to recount, but I cherish every single one.

I will love & miss you forever, Wayne.
Continue to Rest in Peace🕊🤍

Tonight’s the night! 🤗🙌 Have you had a ch

Tonight’s the night! 🤗🙌

Have you had a chance to sign up for today’s FREE first-time home buyer seminar yet?

Join me and my colleagues Jerome St. Bernard and Sarita Samaroo today at 7pm to learn everything you need to know about the home buying process, from getting a pre-approval to signing those closing documents. I will discuss: how to effectively narrow down your property search, how to navigate multiple offer situations and what strategies can win you the property, what closing costs you will need to budget for, and more! We are here to answer all of your questions, even the ones you didn’t know you had! ✨👌

Click the link in bio to sign up 👆👆👆

#realtor #realestate #worklife #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #justlisted #forlease #lease #newlisting #firsttimehomebuyer #sold

There is so much to consider when purchasing or se

There is so much to consider when purchasing or selling a home. I find many of my clients have a list of questions ready to go beforehand which is something I truly appreciate. Most potential buyers and sellers want to feel confident about the decisions they will be making.

I am often asked about the difference between a downpayment and a deposit. Mortgages can be a bit confusing, especially when it’s your first one - but it doesn’t have to be. 🤗👍

Here is a simple definition of both terms to help you get a better understanding:
A deposit is the amount of money that you will present to a seller with your offer, or upon acceptance of your offer. As a rule of thumb, it is best to put down 5% of the purchase price. You are also only given 24 hours to produce a deposit after an offer is accepted if you have not provided the deposit earlier with your offer. It is important to have this money in an account that is easily accessible.

A downpayment is the amount of money that you will need to present to the bank to be eligible for a mortgage. 5% downpayment for a purchase price up to $500,000 is the required. However, for a purchase price between $500,000 - 999,000, you will need to have 5% on the first $500,000 & 10% on the remainder balance. On a purchase price of 1M +, a downpayment of 20% is required. Any downpayment that is under 20% will also require mortgage insurance.

If you have any questions about purchasing or selling your home, send me a message, let’s talk.👋

#realtor #realestate #worklife #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #justlisted #forlease #lease #newlisting #firsttimehomebuyer #sold #monday #facts #tips #news #mondaymotivation

Calling all first-time home buyers! Join me and

Calling all first-time home buyers!

Join me and my colleagues Jerome St. Bernard and Sarita Samaroo for a FREE first-time home buyer seminar on March 3rd at 7pm. Learn everything you need to know about the home buying process, from getting a pre-approval to signing those closing documents. I will discuss: how to effectively narrow down your property search, how to navigate multiple offer situations and what strategies can win you the property, what closing costs you will need to budget for, and more! We are here to answer all of your questions, even the ones you didn’t know you had! ✨👌

Link in bio! 👍

#realtor #realestate #worklife #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #justlisted #forlease #lease #newlisting #firsttimehomebuyer #sold

#SOLD 99 Eagle Rock Way It’s always a bit overw

#SOLD 99 Eagle Rock Way

It’s always a bit overwhelming purchasing your first home. My clients had a clear idea of what they were looking for, but they needed help navigating through the process of finding their new home. Together we vetted many units both online and in person, until we found the perfect unit. With patience and trust in me we were able to win in a multiple offer situation! 🤗🙌

It was an added bonus that because I had built a rapport with the listing agent, our offer was chosen over another that was very similar in terms of price.

Thank you for choosing me to assist you in finding your forever home; it was a pleasure being part of your journey!🥰✍️

#realtor #realestate #worklife #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #justlisted #forlease #lease #newlisting #firsttimehomebuyer #sold

As a first-time buyer, Anisa had been looking at p

As a first-time buyer, Anisa had been looking at properties for a while. She knew what she wanted, and was willing to be patient to get it. In my experience with clients, I know how frustrating it can be to find a perfect property within your budget.

We came across a beautiful corner unit in a reputable building with unobstructed views all the way to Downtown Toronto, and close proximity to malls, public transportation, and highways. After several negotiations, we were able to purchase the unit under asking!

Securing an updated unit in this building was an added bonus to Anisa’s first purchase. Not only did I find her a space that was well under her initial budget; she has already made money on this unit. 💰✨

Thank you, Anisa, for allowing me to take this leap with you and trusting me to assist you in finding your first condo!😊

#realtor #realestate #worklife #wfh #worklife #realestateagent #gtarealestate #gta #toronto #gtarealtor #firsttimebuyer #testimonial #clientlove #appreciation #monday #mondaymood #mondaymotivation #thankful #thankyou #grateful #myplace #client #clientappreciation

It’s Friday, time to take a look at my must watc

It’s Friday, time to take a look at my must watch tv list! 📺 📝

Besides curling up with a good book or showing current listings to my clients 🏠, I’m really looking forward to enjoying a glass of wine and watching @hbomax @judasandtheblacmessiah

As we are mid-way through Black History Month, I want to continue to support and educate myself on Black culture and history. The film caught my attention as it depicts the story of Fred Hampton, the chairman of the Black Panther Party in the late 1960’s.

Have you had a chance to check out this film? Let me know, but no spoilers! 🤐😉

#friday #fridaymood #tgif #tv #bingewatching #movie #movienight #realtor #realestate #realestateagent #luxury #luxuryrealtor #luxuryrealestate #luxuryrealestateagent #luxuryhomes
#sold #firsttimebuyer #worklife #work #sale #hotproperty #tips #work #winter #worklife

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YWiB Role Model Interviews: Soroya Dempsey Talks Real Estate

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