Melissa Henderson’s Post

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Many will start the new year off with goals that tend to waver and dissipate within a couple of months. As your dedicated mortgage agent, I encourage you to make financial empowerment a key resolution for 2024 and that can start with booking a mortgage review! Why, you ask? Because understanding your mortgage is a powerful step towards financial success. A review can help uncover opportunities for refinancing, adjusting terms, or accessing home equity. It's not just about a house; it's about crafting a mortgage that aligns with your evolving financial journey. Want to understand what options are available to you? Let’s book a mortgage review! #NewYearGoals #FinancialEmpowerment #MortgageReview #FinancialWellness #NewYearNewOpportunities #EmpowerYourFinances #MortgageInsights #BookAReview #2024Goals

Happy New Year!! As we bid farewell to 2023 and step into a brand-new chapter, may it be filled with joy, success, and a little discomfort as that is where growth happens! Cheers to fresh beginnings, new opportunities, and the promise of a brighter tomorrow! Happy New Year, friends! #HappyNewYear #FreshStart #NewBeginnings #Hello2024 #CheersTo2024 #HappyNewYear2024

During the cooler months do you put on your snow pants and embrace the season or opt for a vacation to a sunny destination? What are some of your favourite local and distant places to go in the winter months? #WinterWonderland #WarmGetaway #SeasonalEscape #TravelDreams

From our family to yours, we wish you a Merry Christmas filled with love, laughter, and cherished moments! May the warmth of the season surround you, and may the joy of the holidays be shared with those you hold dear. #MerryChristmas #SeasonsGreetings #JoyfulMoments #ChristmasCelebration #FestiveSpirit #HappyHolidays #ChristmasWishes # #PeaceOnEarth #HolidayJoy

What do you look forward to every time this year that creates lasting memories? Is it the twinkling lights on your favourite ornaments, the warmth of Christmas baking with loved ones, or the exhilaration of an annual snowball fight painting the world in a playful flurry? I would love to hear about your cherished traditions in the comments below! #HolidayTraditions #FestiveSeason #ChristmasMagic #OrnamentLove #BakingJoy #SnowballFightFun #SeasonalDelights #CherishedMoments

Immigration and multiculturalism are some of the things Canada prides itself for however, the Bank of Canada Deputy Governor Toni Gravelle said that high demand, coupled with a housing supply shortage, is pushing rents higher and preventing home prices from falling as much as expected at this stage of the rate-hike cycle. Stay informed about the dynamic landscape of Canada's housing market. For more insights and updates, follow us for the latest economic perspectives. #RealEstateNews #MarketWatch #FinancialAwareness #HousingUpdates #StayInformedCanada

It may not look like it now but interest rates cannot stay like this forever and they will eventually come down. When that happens you want to be prepared to make your move into the market so don’t give up on your savings plan! CIBC Capital Markets managing director and deputy chief economist Benjamin Tal says, "Inflation will be defeated" He also reiterated a point he’s made in previous economic updates – the BoC is contributing to inflation with higher interest rates because housing costs comprise about 30% of the Consumer Price Index. However, all this leads him to conclude interest rates will come down. Soon. “This means that inflation will be defeated. A year from now, inflation will be closer to two per cent, with major implications for the Bank of Canada.” To read more visit: https://vist.ly/q49j #BankOfCanada #HousingMarketImpact #EconomicAnalysis #CIBCCapitalMarkets #BenjaminTal #InterestRateTrends #InterestRateShift #EconomicOutlook #BankingNews #BoCAnalysis #InterestRateNews

You may have heard over the recent years about the outrageous bidding wars. People were spending thousands and thousands over asking to stay competitive and win the bid on the home. This made it even harder for first time home buyers to enter the market. New rules for Ontario real estate came into force Dec 1 2023 that are meant to provide more clarity and choice for buyers and sellers by having the option to use an open bidding process. The open bidding option gives the seller the choice to disclose submitted bid prices to potential buyers, something they were previously banned from doing. Open bidding has been advocated by some as a way to reduce rampant overbidding in real estate and help reduce prices. Like anything, there are pros and cons but it is important to understand what you are agreeing to when you have an open vs closed bid. If you have questions, reach out and I would love to help you walk through the options you have! #BiddingWarsSolution #OntarioHousingMarket #OpenBiddingOption #HousingMarketUpdate #RealEstateInsights #OntarioRealEstate #OpenVsClosedBid

'Tis the season of giving, and what better way to spread joy than by giving a gift that gives back to those in need? As we celebrate the warmth of the holidays, let's remember those who may be facing challenges. More and more people are relying on the food bank to put a meal on their table, and together, we can make a difference. Consider gifting a donation to your local food bank—a gesture that goes beyond the wrapping paper, reaching hearts in our community. Your support ensures that families facing hardships can share in the joy of the season with a nourishing meal. Curious about how you can contribute? Visit https://vist.ly/nmrp to discover ways to support your local food bank. Whether it's a monetary donation, non-perishable goods, or volunteering your time, every act of kindness makes a significant impact. #SeasonOfGiving #GiveBack #SupportLocalFoodBank #thefoodbankofwaterlooregion