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Posted in Vi Downtown, Victoria Real Estate
New property listed in Vi Downtown, Victoria

I have listed a new property at 415 515 Chatham St in Victoria. See details here

Experience urban living at its finest in this modern 1-bedroom, 1-bathroom condo in the Ironworks in the Old Town District. Boasting a sleek open-concept design, the residence features a gourmet kitchen with stainless steel appliances, a spacious living area with large windows offering scenic views, and a private balcony for outdoor relaxation. Enjoy the convenience of in-suite laundry, storage locker, along with a common courtyard, bicycle storage and SECURED UNDERGROUND parking. With its prime location, you're steps away from vibrant city life, boutique shops, and exquisite dining. Don't miss the opportunity to call this stylish condo home in the heart of Victoria. Only a few years old; this condo is still under the New Home Warranty.

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Posted in Vi Downtown, Victoria Real Estate
I have sold a property at 205 832 Fisgard St in Victoria

I have sold a property at 205 832 Fisgard St in Victoria on Jul 11, 2025. See details here

Welcome to 205-832 Fisgard Street – a bright and beautifully maintained condo located just steps from the heart of downtown Victoria! This spacious 2 bedroom, 2 bathroom unit offers an abundance of natural light, creating a warm and inviting atmosphere throughout. You'll love the functional layout, featuring a generously sized living area, a well-appointed kitchen, and tons of in-suite storage to keep your space organized and clutter-free. Whether you're a first-time buyer, downsizer, or investor, this home offers fantastic value in an unbeatable location. Enjoy the convenience of being just a short stroll to shops, restaurants, cafes, public transit, and all the best of downtown living. Don’t miss this opportunity to own a bright, move-in-ready condo in one of Victoria’s most walkable and vibrant neighbourhoods! Book your showing today!

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Posted in SE Mt Doug, Saanich East Real Estate
Open House. Open House on Saturday, July 12, 2025 1:30PM - 3:00PM

Please visit our Open House at 1529 Mt. Douglas Cross Rd in Saanich. See details here

Open House on Saturday, July 12, 2025 1:30PM - 3:00PM

First time on the market in over 40 years! This well-maintained 4 bed, 4 bath home on Mount Douglas Cross Rd offers a spacious and versatile layout, including 2 full kitchens—ideal for extended family living or potential suite. Situated on a large, private lot in a desirable Saanich location, the home features generous room sizes, abundant natural light, and classic charm throughout. The beautifully landscaped yard provides space to relax, garden, or entertain. Located minutes from parks, trails, schools, and amenities, this is a rare opportunity to own a long-loved family home in a prime area. A must-see!

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When the lowest rate could cost you more: 10 questions to ask before choosing your next mortgage 

Let’s talk about why it’s not always about the rate.

We get it, mortgage rates are everywhere. You see them on ads, in your inbox, and all over comparison websites. And it’s tempting to chase the lowest number on the board.

But here’s the thing: the mortgage with the lowest rate isn’t always the cheapest in the long run.

Whether you’re renewing, refinancing, or switching lenders, it’s important to look beyond the headline rate and ask a few smart questions before signing on the dotted line.

Not all mortgages are created equal

Some lenders offer teaser rates that jump sharply after the intro period. Others offer “no frills” mortgages that take away basic features like prepayments or portability just to offer a slightly lower rate.

And here’s something many borrowers don’t realize: the lowest mortgage rates are often reserved for insured mortgages—typically those with down payments under 20%. These loans carry less risk for the lender, which is why they get better pricing. So, even if a rock-bottom rate catches your eye, it may not be available to you unless your mortgage qualifies.

Before you choose, here are 10 questions you should be asking:

  1. Is this rate only available on insured mortgages?
    If you have more than 20% equity, you may not qualify for the rate you saw advertised.
  2. Can I make lump-sum payments or increase my monthly payment?
    Flexibility matters if you want to pay down your mortgage faster.
  3. What’s the penalty if I break this mortgage?
    Life happens. Make sure you understand the cost of ending the term early. And be aware that prepayment penalties can vary widely between lenders.
  4. Is this a short-term teaser rate?
    If the rate only lasts 6 months and then resets much higher, your long-term cost could be greater.
  5. Is this a no-frills mortgage?
    Lower-rate products often remove useful features, which could limit your ability to refinance with other lenders, make prepayments, or move the mortgage with you if you buy a new home.
  6. Can I transfer this mortgage to a new property?
    If you move, a non-portable mortgage could mean thousands or even tens of thousands in prepayment penalties.
  7. Is this a fixed or variable rate?
    Fixed gives payment stability, while variable rates move with the market. What fits your risk tolerance?
  8. How is the fixed-rate penalty calculated?
    Not all lenders’ penalty calculations are created equal Some use harsher comparison rates in their IRD (interest rate differential) formula, which can make breaking your mortgage more costly.
  9. What’s the lender’s reputation?
    A low rate won’t mean much if service is poor or approvals are rigid.
  10. What’s the total cost over the term?
    Ensure you know the total cost, not just the rate.

A better mortgage is about the full picture
Choosing the right mortgage is about more than rate. It’s about flexibility, protection, and making sure your mortgage fits your life…not just your budget.

I’m here to walk you through all the options, explain the tradeoffs, and help you make the right move for your financial future.

Paul Macara
Mortgage Professional
(250) 857-4741
paul@macaramortgages.com

 


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Posted in SE Mt Doug, Saanich East Real Estate
Open House. Open House on Sunday, July 6, 2025 2:00PM - 3:30PM

Please visit our Open House at 1529 Mt. Douglas Cross Rd in Saanich. See details here

Open House on Sunday, July 6, 2025 2:00PM - 3:30PM

First time on the market in over 40 years! This well-maintained 4 bed, 4 bath home on Mount Douglas Cross Rd offers a spacious and versatile layout, including 2 full kitchens—ideal for extended family living or potential suite. Situated on a large, private lot in a desirable Saanich location, the home features generous room sizes, abundant natural light, and classic charm throughout. The beautifully landscaped yard provides space to relax, garden, or entertain. Located minutes from parks, trails, schools, and amenities, this is a rare opportunity to own a long-loved family home in a prime area. A must-see!

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Posted in SE Mt Doug, Saanich East Real Estate
Open House. Open House on Saturday, July 5, 2025 1:00PM - 2:30PM

Please visit our Open House at 1529 Mt. Douglas Cross Rd in Saanich. See details here

Open House on Saturday, July 5, 2025 1:00PM - 2:30PM

First time on the market in over 40 years! This well-maintained 4 bed, 4 bath home on Mount Douglas Cross Rd offers a spacious and versatile layout, including 2 full kitchens—ideal for extended family living or potential suite. Situated on a large, private lot in a desirable Saanich location, the home features generous room sizes, abundant natural light, and classic charm throughout. The beautifully landscaped yard provides space to relax, garden, or entertain. Located minutes from parks, trails, schools, and amenities, this is a rare opportunity to own a long-loved family home in a prime area. A must-see!

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Why having a will is essential when you own a home 

Buying a home is a major financial milestone—and for many, it’s also a wake-up call to get their affairs in order. If you’re a homeowner and don’t yet have a will, now’s the time to start thinking about it.

A will isn’t just about who gets what. It’s about protecting your property and your family in case the unexpected happens.

Your home is part of your estate—so is your mortgage

When you pass away, everything you own and owe becomes part of your estate. That includes your home and your mortgage. If your name is the only one on the mortgage or property title, things can get more complicated for your loved ones.

A legally valid will ensures your wishes are clear and your home can be passed on or sold without unnecessary delays. Without one, your estate may go through a longer and more complex probate process—adding stress and legal costs at an already difficult time.

Planning starts with knowing how your home is registered

One important (but often overlooked) step in estate planning is understanding how your title is registered. Are you the sole owner? Joint tenants? Tenants in common? Each option affects how your home is handled when someone passes away.

If you’re unsure how your title is registered, I can help you find out—or connect you with someone who can. It’s an important detail that can make a big difference in how smoothly things go for your loved ones.

Insurance is another key piece of the puzzle

Along with a will, it’s important to make sure your insurance coverage still fits your needs. This includes mortgage life insurance (sometimes called creditor insurance) and any personal life insurance you may have. The goal is to ensure your mortgage can be paid off—or that your loved ones have the support they need—without having to sell the home in a rush.

Review your policies regularly, especially after major life events like buying a home, getting married, or having children.

Protect your family—and your investment

Having a will isn’t just for the wealthy—or just for homeowners. In fact, anyone over the age of 18 should consider having a will, even if they don’t own property. Most people have some form of assets, like a bank account or a vehicle, and without a will, it can be difficult for loved ones to settle those affairs.

If you’ve bought a home and haven’t yet created or updated your will—or reviewed your insurance coverage—it might be time to take that next step. And if you need a referral to a trusted professional, I’d be happy to connect you.
                          

Paul Macara
Mortgage Professional
(250) 857-4741
paul@macaramortgages.com

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Posted in SE Mt Doug, Saanich East Real Estate
Open House. Open House on Sunday, June 29, 2025 1:00PM - 2:30PM

Please visit our Open House at 1529 Mt. Douglas Cross Rd in Saanich. See details here

Open House on Sunday, June 29, 2025 1:00PM - 2:30PM

First time on the market in over 40 years! This well-maintained 4 bed, 4 bath home on Mount Douglas Cross Rd offers a spacious and versatile layout, including 2 full kitchens—ideal for extended family living or potential suite. Situated on a large, private lot in a desirable Saanich location, the home features generous room sizes, abundant natural light, and classic charm throughout. The beautifully landscaped yard provides space to relax, garden, or entertain. Located minutes from parks, trails, schools, and amenities, this is a rare opportunity to own a long-loved family home in a prime area. A must-see!

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Posted in SE Mt Doug, Saanich East Real Estate
Open House. Open House on Saturday, June 28, 2025 2:00PM - 3:30PM

Please visit our Open House at 1529 Mt. Douglas Cross Rd in Saanich. See details here

Open House on Saturday, June 28, 2025 2:00PM - 3:30PM

First time on the market in over 40 years! This well-maintained 4 bed, 4 bath home on Mount Douglas Cross Rd offers a spacious and versatile layout, including 2 full kitchens—ideal for extended family living or potential suite. Situated on a large, private lot in a desirable Saanich location, the home features generous room sizes, abundant natural light, and classic charm throughout. The beautifully landscaped yard provides space to relax, garden, or entertain. Located minutes from parks, trails, schools, and amenities, this is a rare opportunity to own a long-loved family home in a prime area. A must-see!

Read

Posted on by
Posted in SE Mt Doug, Saanich East Real Estate
New property listed in SE Mt Doug, Saanich East

I have listed a new property at 1529 Mt. Douglas Cross Rd in Saanich. See details here

First time on the market in over 40 years! This well-maintained 4 bed, 4 bath home on Mount Douglas Cross Rd offers a spacious and versatile layout, including 2 full kitchens—ideal for extended family living or potential suite. Situated on a large, private lot in a desirable Saanich location, the home features generous room sizes, abundant natural light, and classic charm throughout. The beautifully landscaped yard provides space to relax, garden, or entertain. Located minutes from parks, trails, schools, and amenities, this is a rare opportunity to own a long-loved family home in a prime area. A must-see!

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Posted in Du Saltair, Duncan Real Estate
I have sold a property at 10705 Olsen Rd in Saltair

I have sold a property at 10705 Olsen Rd in Saltair on Jun 23, 2025. See details here

Welcome to 10705 Olsen Rd, Saltair! This stunning 2015 custom-designed Gordon home offers approximately 2000 sq ft of living space with 4 spacious bedrooms and 2 bathrooms, including a large ensuite and primary bedroom. Situated on just under 3 acres, the property features a fully serviced RV pad, bountiful garden, and pool pad. It borders the beautiful Princess Diana Park, spanning nearly 60 acres. The chef-inspired custom kitchen boasts quartz counters, an induction stove, stainless appliances, drink fridge and walk-in pantry. You will also find a fully fenced dog run for your furry friends. Don't miss this rare opportunity!

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Posted in SE Mt Doug, Saanich East Real Estate
New property listed in SE Mt Doug, Saanich East

I have listed a new property at 1529 Mt. Douglas Cross Rd in Saanich. See details here

First time on the market in over 40 years! This well-maintained 4 bed, 4 bath home on Mount Douglas Cross Rd offers a spacious and versatile layout, including 2 full kitchens—ideal for extended family living or potential suite. Situated on a large, private lot in a desirable Saanich location, the home features generous room sizes, abundant natural light, and classic charm throughout. The beautifully landscaped yard provides space to relax, garden, or entertain. Located minutes from parks, trails, schools, and amenities, this is a rare opportunity to own a long-loved family home in a prime area. A must-see!

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