| Rate | Term | |
| 5-Year Fixed |
3.39% |
|
| 5-Year VRM |
2.70% Prime minus 0.30% |
Quote of the Week
Be a yardstick of quality. Some people aren’t used to an environment where excellence is expected.
Steve Jobs
Have a great week!

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
Although the religious significance of Halloween has passed for the general public, Halloween is a “magical” night for many!
4. Do you like glow sticks? Purchase a bunch at your local dollar store and attach some to your child’s costume so they can be seen in the dark. Or, fill black balloons with helium and attach a long string or fishing line (so it is not visible). Then tie on a glow stick somewhere on the string/line. Secure the string somewhere on the ground and let it float over your house for an eerie look. (FYI: It is not safe for nature to release helium balloons into the sky and St. Catharines by-laws do not permit it.)
Tim provided us with superior service from start to finish. His immediate response to any questions, marketing plan, and industry knowledge are just a few of the reasons why he was a pleasure to deal with and proved to be a real asset during this slower market time. The complimentary services such as home staging was a very nice added touch and helped to sell our house in just one week! This truly puts Tim above his competition. We would highly recommend him and his team for all of your real estate needs.
“Selling a house is a very stressful time, but having Timothy as our agent has made the experience much more smooth and straightforward than past experiences. This is the second time we have used Tim, and we received the same level of enthusiasm and professionalism as we did the first time. We were comfortable with our asking price because we know that Tim is thorough in his research and prices competitively. Although we listed our house at a slow time of year, we were confident that it would sell with Timothy’s commitment and marketing strategies, and it did! We would definitely recommend Timothy as a very competent and personable realtor, that will always go the extra mile to achieve his clients dreams.”
What can I say? In a buyer’s market, we sold our house in less than 5 days and over list price!! Everyone on the team was a pleasure to deal with. Timothy was true to his word and everything that was explained to us in our first appointment actually happened. The Salisbury Team provided us a wide range of services (like one-stop shopping), from a complimentary Staging consult to Home Inspectors, etc. He was also very prompt in returning emails or phone messages.