Current Mortgate Rates for St. Catharines/Niagara area

Rate
Term
5-Year VRM 2.25% at Prime!
6-Year VRM
3.89

As you might have heard already, BMO Bank of Montreal is offering two great mortgage specials. The first is a 5 year variable rate at prime. This curently puts the rate at 2.25%! The second is our “6 for 5″ fixed rate. You get our best five year fixed rate for 6 years. So whether you are looking for a great variable rate at prime, or the security of a fixed term, BMO Bank of Montreal is your Bank!

Quote of the Week
With money in your pocket, you are wise, and you are handsome, and you sing well too.
Jewish Proverb

Have a great week!

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Paul Croteau, AMP
Mortgage Specialist
BMO Bank of Montreal
31 King Street
St. Catharines, ON
ph: (905) 321-3230
fx: (905) 641-7854
Paul.Croteau@bmo.com

Welcome to 36 Autumn Place in St. Catharines Ontario Canada

UPDATE: This St. Catharines home has been sold!

Please use our online complimentary St. Catharines Ontario real estate search to find similar available listings.

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This home is priced at $164,900.00!

Come see this roomy 3 bedroom bilevel semi-detached home. The large eat-in kitchen with Euro style cabinets has a pantry, perfect for all your storage needs plus a dining area. Bright windows in the Living room allows in plenty of light, formal dining room area. The fully finished lower level with walkout features extra 3 piece bath, laundry area, 2 more bedrooms and a bright family room with a gas fireplace. Home improvements include roof shingled in 2008, hydro on breakers, and front window which has been replaced. Single concrete driveway which open us into a double driveway, also a gate to allow the storage of a boat or vehicle in the winter. Central air and central vac. The fully fenced yard with no back neighbours has two concrete patios and an above ground pool with deck for your summer enjoyment! Close to schools, Merritton Community Centre, shopping and Niagara College campus. Fridge, stove, microwave,  washer and dryer are all included to help out if you’re a 1st time buyer. The Property Taxes for 2009 is $2420. Some of the comments made by the sellers when they bought this home was that they loved the fact that the house had a pool and no rear neighbours. They have the grandkids over all the time in the summer playing in the pool.

For further information on this home, you can go here or please contact Timothy 800-467-8498 or email him.

For more picture of this and other homes, please go to the listings page of St. Catharines Real Estate or the blog listings section.

For St. Catharines attractions, you can visit:

Tour St. Catharines
St. Catharines on WorldWeb
St. Catharines Website

Grape and Wine Festival – A Vintage Harvest

The Grape and Wine Festival will take place from September 18th to 27th.

wine_festival.jpgThis annual 10 day event features many of the world class Niagara wineries proudly showcasing their vintage along with several local culinary establishments.

In addition to great food and wine, the Grape and Wine Festival is filled with excellent entertainment programming.

Over the years many high profile entertainers have taken the center stage at Montebello Park where the main activities are held.

Some of this year’s Grape and Wine Festival attractions will be:

Crash Parallel
Faber Drive
Sarah Slean
The Wheat Kings
The Philosopher Kings
The Caverners
And many more…

Don’t forget the Post Parade show on September 27th @ 2:00pm, featuring Ryson’s rock ‘n roll student band, the Golden Hammers, with Natalie Vurro on vocals. These kids are really terrific and worth catching.

For full information and to view scheduled events, please visit their website.

New Ontario Bill … Keeping the Road Safe

Ontario’s Bill 118

Ontario’s Bill 118, an amendment to the Highway Traffic Act is now in effect and bans drivers from using handheld devices with display screens while operating a vehicle on the road. Here is a summary of the new rules:

cell_phones__42_.JPG• Holding or using a wireless communication device (a cell phone) or a portable electronic entertainment device (iPod) while driving is prohibited.

• Commercial GPS units along with similar dashboard-mounted devices that provide gauges and displays relating to logistical or navigation uses are permitted.

• Using a cell phone or wireless communication device in hands-free mode, as long as you’re not holding it during use, is permitted.

• Using any device while pulled-over or parked in a way that you are not disrupting traffic, is permitted.

• The systems used by Ambulances, Fire Departments, and Law Enforcement are exempt.

The ban is in effect as of September 1, 2009 and will carry a fine of $500. Demerit points will not be included but depending upon the violation, police will have the option to also use existing careless driving laws for additional penalties.

This bill has been passed for the safety and protection of all drivers on the road.

Welcome to 5 Beecher Street in St. Catharines Ontario Canada

UPDATE: This St. Catharines home has been sold!

Please use our online complimentary St. Catharines Ontario real estate search to find similar available listings.

The price has been adjusted!!!  This St. Catharines home is now priced at $209,900.00!

The price has been adjusted!!!  This St. Catharines home is now priced at $229,900.00!

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This St. Catharines home is priced at $239,900.00!

Lovely and large 2 Storey Character Old Century Home located in Downtown St. Catharines. Brick and vinyl construction, some updated windows throughout the home, plaster walls, main floor family room with gas fireplace, some hardwood flooring, hot water gas system replaced about 5 years ago, electrical on breakers. Both bathrooms have had some updates. Sliding doors from the family room lead to a wooden deck approximately 24′ X 18′ in a beautifully fenced yard. No grass to cut. Grand staircase leads you upstairs to a nice landing area and 3 bedrooms. BC Zoning gives many opportunities with a property like this! Outside access to the basement from the backyard as well – used for storage, furnace area, laundry, etc. Detached single garage and private driveway. Close to all amenities, 3 blocks to City Hall, Court House and Police Station. Property Taxes for 2009 is $2400.00.

For further information, please contact Timothy via email or call him at 1-800-467-8498.

For pictures of this home and other homes I have listed, please visit St. Catharines Real Estate listings page or the listings section of the blog.

For St. Catharine’s attractions, please visit:

Tour St. Catharines

St. Catharines Website

St. Catharines on WorldWeb

Current Mortgate Rates for St. Catharines/Niagara area

Rate
Term
5-Year Fixed 3.99%
5-Year VRM 2.45% Prime plus 0.20%

Quote of the Week
A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty.
Winston Churchill

Have a great week!

paulcroteau.jpg

Paul Croteau, AMP
Mortgage Specialist
BMO Bank of Montreal
31 King Street
St. Catharines, ON
ph: (905) 321-3230
fx: (905) 641-7854
Paul.Croteau@bmo.com

Welcome to 17 Commerford Street in Thorold Ontario Canada

UPDATE: This St. Catharines home has been sold!

Please use our online complimentary St. Catharines Ontario real estate search to find similar available listings.

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This Thorold home is priced at $229,900.00!

Maintenance free exterior for this well maintained 2 story executive home which features 3 bedrooms and 2.5 bathrooms. Approximate square footage is 1850 sq ft. Oak Kitchen cabinets with a eating area overlooks the main floor family room with its gas fireplace. Also a sliding patio door from the kitchen to a 2 tiered deck. The fish pond is in the backyard which is fully fenced. Also on the main floor is the laundry area and another entrance to the attached garage. The driveway is double and is interlocking brick. Upstairs you will find a large master bedroom with a 3 piece ensuite and walk in closet. 2 other large bedrooms await you plus a 4 piece upstairs as well. Downstairs you’ll have a fruit cellar and the basement has been partially dry walled and awaits you to add your own finishing touches. The property taxes for this home are $3,362 for 2009. Heat and hydro are approximately $100 per month for each. When the sellers purchased this home, some of the reasons they purchased was because of the layout, size and its location in the subdivision, they also loved the main floor family room!

For further information on this home, you can go here or please contact Timothy 800-467-8498 or email him.

For this and other homes, please go to the listings page of St. Catharines Real Estate or the blog listings section.

For some of Thorold’s attractions, please click on the following links:
Thorold Blackhawks
Thorold City Hall
Brock University
The Pen Centre