Lloyd & Devi Sewrattan
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Dear Lloyd and Devi, A note of sincere thanks and appreciation for all your efforts in selling our home. In our initial meeting when we were interviewing potential agents, we were impressed with your professionalism, calm demeanour and obvious experience and knowledge of the housing market. As a result our decision to hire you to represent us in the sale of our home was the best choice. This was confirmed to us through all the stages of the process. We were very pleased that the logistics of getting our home on the market were completed so quickly and professionally. Professional quality pictures and video taken and posted on the internet in 2 days Very successful Open house with signs posted throughout the house to aid potential buyers All the advertising, flyers, ads and internet listings Security of our home during the showings emphasized to visiting agents Keeping us informed with daily e-mail communication during our absence Being away the first week worked out well and the benefit of all your hard work resulted in three offers being presented for our consideration the next day. Your superior experience and knowledge became even more evident during this process. I truly believe the presenting agents learned a lot from you that night and hopefully will appreciate that they had the pleasure to work with true real estate professionals. Thanks to your efforts, the evening ended very successfully for both seller and buyer with a firm unconditional offer. You completed the ‘after-sale’ protocols with your usual efficient attention to detail. We mentioned that finding a great real estate representative is like finding a good doctor. You never let go of them! We will refer you to all our friends and family with complete confidence and enthusiasm. In future we will also have need of your services and it is comforting and with great pleasure to know that we will be seeing you again. It is with sincere thanks and appreciation that you completed the sale ‘stress-free’ as promised. With sincere best wishes for continued success. - D. and J. Baba

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Dear Lloyd and Devi, We want to thank you for the job well done in listing our home. You had worked so fast because until now, I can’t even believe that our home was already sold within 4 days only. I could say, “With prayers and the right agents; job will be done so easily.” You showed us your knowledge and experience in doing your work that’s why I told to myself, I did not make a wrong decision to choose you. As a first time home seller, I could say that I’ve learned a lot from you and can share my experience with my friends. I cannot end this letter without letting you know that you are the good examples to our younger agents with no experiences with this kind of job. I can recommend you to all of my friends and people I know without any hesitation. Thank you and keep up the good work. - J. and A. Fajardo

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Dear Lloyd & Devi, My wife and myself would like to congratulate both of you on the excellent job done in selling our home in Toronto. Right from our first meeting we could see the professionalism and caring attitude in your approach to helping us. The marketing evaluation of our home was very well researched and presented beyond our expectations. I can honestly say that you used every resource possible to sell our home including post cards, a professionally videotaped virtual tour, newspaper advertising and a great open house. Your vast effort really paid off as our home was sold within 3 days. Obviously our results were incredible and certainly this could vary from one homeowner to the next. We would confidently recommend both of you to anyone looking to sell their home. It was nice dealing with people that really care and are sincere about what they do. We know that you put through your best efforts and did everything possible to sell our home. Again, congratulations for a job well done!! Best Regards - R. Zazulak

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Hi, just a note to say thanks for all you have done for us throughout this process. As first time buyers, we had a lot of unanswered questions regarding the purchase of our home. Thank you for providing the answers to many of these and giving us informed advice on the homes that we visited! - Ann Smith

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Monthly Real Estate Update
It was a rollercoaster ride of activity, the highs and lows brought about by government’s decisions to try to slow down home prices increases utilising negative policy changes.

Record sales in the first quarter of the year were followed by a decline in demand in the spring and summer, as home buyers adopted a wait and see attitude towards purchasing as the Ontario Fair Housing Plan (FHP) was announced. Research later showed that while foreign home buying was not a major driver of sales and prices in the GTA, the FHP, which included a foreign buyer tax, had a marked psychological impact on the marketplace. Government policy continued to influence consumer behavior as changes to federal mortgage lending guidelines were announced late summer, and buyers jumped into the market to buy before the guidelines took effect in January.

2017 ended with over 92,000 homes sold and average prices rising to $822,681, up 12.7% over 2016. The condominium market saw the highest increase in prices, followed by semi-detached homes as affordability continued to be the major factor influencing buyer decisions.

All of the current market conditions have been brought about by demand, as population growth outstripped the growth of supply. If the government would shorten the length of time it took to bring new land and new homes to the market (currently years), (a positive policy, as opposed to negative policies of increased taxation and limitation) prices would stabilise.

We believe that the first 3 month of 2018 will be less active than usual due to a number of factors. The first one is that the negative press of the comparison to last year, (best in history) vs this year, will put the average person into a waiting mode to see what happens to prices. The second factor is that many buyers who would have bought in the first quarter, bought in the fall, before the new mortgage changes took effect. And lastly, it’s COLD and less buyers will be out. That means the first 3 months will be a great time to buy, before everyone jumps back into the market April and May.

It might sound self-serving of us to say this, but consider that none of the factors that created this market have changed. Demand, economy, immigration, low interest rates, have not changed. Prices in Toronto will only drop long term if the population shrinks, and we do not see that happening.

Some people wait and see what happens, others make things happen. If you are looking to buy or invest, we believe now is the time!

Give us a call, let’s talk. We want to give you the best advice possible and make sure that you’re well looked after! After all, you do have two friends in real estate!

By the way, we are never too busy for your referrals J.

Lloyd and Devi Sewrattan