The Politis Brienza Team
5071 Highway 7 L3R1N3 Markham, ON, Canada

This one, in our opinion, is a loaded question and often changes with the situation of the person buying. What is indisputable is that the answer is always YES when it comes to putting 20% down when you can afford to do so. If you are putting less than 20% down, you are paying additional costs in mortgage insurance and mortgage interest. Now when it comes to putting more than 20 % down, it becomes a question of the buyer’s profile. Of course assessing the carrying cost of th...e mortgage is a factor and it’s affordability based on the buyer’s income. Once meeting that 20% down minimum, some buyers who could afford to put more than the 20% may choose to forgo putting more down in order to leverage their cash and use it for other investments. With mortgage rates being so low, they may get more return by investing in other opportunities available to them, rather than tying their money up paying down their home. Of course, this can also only be done if the buyer can afford to carry the larger mortgage amount. These buyers have a higher risk tolerance and many of them believe that it’s never a smart move to tie up all that cash in the home with affordable borrowing costs and other opportunities for investment returns. Others still, often the more conservative buyer, will choose to put down as much money as they can to lower their mortgage amount, have lower mortgage payments, and pay the least amount of interest through the life of the mortgage. These are the same buyers who may use their prepayment privileges when they are able to put additional money towards their mortgage principle. These buyers are the ones who aim to be mortgage free in the long term and enjoy the security of owning their home outright. Arguments can be made for both sides of the coin, and in our opinion, this is a very buyer specific question and it depends on the full picture of a buyer’s circumstance.

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As 2020 comes to a close with it’s abundance of challenges, we can’t help but look back with grateful hearts to all the families that trusted our team with their real estate transitions during these unprecedented times as we continued to put our clients’ safety and best interest at the forefront of all our dealings with resilience and adaptive growth. We look forward to bringing this same compassion and dedication to those we service in 2021. Our PB Team wishes everyone a he...althy and optimistic New Year! We are hear for you as both realtors and friends.

Meet The PB Team!

Real estate continues to be deemed an essential service, so we are still able to conduct business; We just want to do it in the safest way possible for both our clients and the safety of our community. -As with the first state of emergency, showings must be by appointment only and conducted following all of the government outlined health and safety guidelines including wearing face coverings and wearing gloves/sanitizing upon entry of the home. The showings should also be li...mited to the decision makers only, and one party at a time. - Absolutely no in-person open houses are to be conducted. Virtual walk-throughs and media may be used to showcase properties virtually to potential buyers. -Real estate offices , real estate lawyers and the land registry office remain open under the essential service status to allow for the successful closing of sales/purchases. -Short-term rentals for recreational purposes are effectively closed as of January 12th, 2021. If a booking was made prior to January 12th it is permitted to go forward. -Renovations started before January 12th will be permitted to continue but those that have not started are not permitted to start. We will continue to do our part in operating in a safe and responsible manner as our market continues to show resilience in the midst of these unprecedented times. We are here to service you with full Covid protocols in place or in a virtual capacity. Please don’t hesitate to reach out because we are always here to help!

So happy to report more successful and timely results for another great family! We worked together to prep this home for market to allow it to shine the way it could and we had 4 offers on offer date and a sale price of 112% of asking! This happy family can now have peace of mind for a happy holiday season knowing they got the results they had hoped for!

This one went out with aWithin 24 hrs of hitting the market with a set offer date, there were 5 bully offers on this Berczy family home that we prepped for market and we were able to secure a firm offer at $350,000 over asking price for our super happy clients! Another team effort to bring results! Congrats to both our lovely sellers and the new buyers on their purchase!

There is no exercise better for the heart than reaching down and lifting people up. John Holmes Those in need are all around us and the opportunity to be there for others is truly a gift for the giver. Do what you can. Give what you can. It’s what you do when no one is looking. ... We make a living by what we get, we make a life by what we give. Winston Churchill

Sellers are most definitely benefiting from super low inventory in most GTA markets right now. We can give you the whole picture as it relates to your home with a FREE no-fuss, personalized evaluation. Are you toying with the idea of selling? Shoot us a private message/DM and we can chat to see if the time is right for you to sell with full Covid protocols in place.

We’re in this together

Centrally located between Toronto’s Fashion and Entertainment districts, sought after 399 Lofts presents a meticulously cared for 2 bedroom, 2 full bathroom, modern loft featuring the building's most desired floor plan. Modern loft with 10ft concrete ceilings 2 bedrooms 2 full bathrooms 1005 sq ft... Full size living and dining spaces Modern top-of-the line finishes Boasting 1,005 sqft of well-appointed space, this unit has serious swagger with 10 ft exposed concrete ceilings; Rare full-size sized living and dining spaces with floor-to-ceiling windows; A two-tone Scavolini kitchen with marble countertops and stainless steel appliances including a a gas range; A spacious balcony for your morning coffee or night cap; Wide-plank hardwood flooring throughout; A master suite with custom closet organizers & a spa-like 4 piece ensuite with a soaker tub/shower combo and marble surround ; A second spacious bedroom with a custom organized closet steps from another modern 3-piece bath with a glass enclosed shower and marble surround; Remote operated window coverings; A large double-door coat closet with custom built-in organizers; Tucked-away ensuite laundry++ The unit comes complete with a parking and locker near the elevator and modern building amenities including an awesome party room, games room, gym/fitness room & resistance pool. Step outside to find that all conveniences, shopping and entertainment are at your fingertips. This one is sure to become the go-to gathering spot for friends and family! Who says you can't have it all!? Full-length cinematic tour and extensive photography available.

Happy Friday! Enjoy the sunshine Two things that never go out of style..a white kitchen and natural light Amber Lewis Interiors

Are you looking to improve a space but don’t know where to start? Here are some great questions to ask yourself that can help guide the process.

Another perfect match made! We both listed and then sold this charming family home to our own buyers. Congrats to both our sellers and our buyers. Cheers to another happy ending!

Welcome to 45 William Bartlett Drive, an exquisite 7 years new, spacious executive home in sought-after Berczy ! Your search for the perfect combination of function and style stops here! This meticulous family home is situated on a serene street with a private landscaped yard backing onto a scenic pond with a bright, finished walk-out lower level! Sought-after Berczy Overlooking a pond 4+ 2 bedrooms... 5 bathrooms 3273 sq ft + 1592 sq ft lower level Finished walk-out lower level Large maintenance-free deck Interlocked and landscaped backyard This meticulously cared for home with excellent curb appeal features a functional, open concept layout; An oversized, modern eat-in kitchen overlooking a large family room that is perfect for every-day function and year-round entertaining featuring an oversized island with a built-in breakfast table and stainless steel appliances including a gas range; a main level office + a bonus mid-level room; 4+2 large bedrooms, all with access to a bathroom; a finished lower level with a walk-out that includes a large recreational space, 2 large bedrooms, an additional bonus room with a large window and French doors & a full bathroom! Step outside from the kitchen to find an inviting 30' x 9'7" maintenance free deck with pond views and below, a large interlocked patio surrounded by landscaping backing onto the greenspace/pond. The perfect spot to relax, unwind and enjoy the view! This beauty is situated steps to highly ranked Pierre Elliot Trudeau High School, amenities, parks, and easy-access to transportation. Take this rarely available opportunity to call 45 William Bartlett Drive home and enjoy the good life.

Because every mirror deserves a wreath for the holidays

Welcome home to a one year new, bright and spacious 2 bedroom, 2 bathroom corner unit at sought-after Wellesley Station Condos in the heart of downtown! 2 bedrooms 2 full bathrooms Bright corner unit ... Clear Toronto skyline views Modern kitchen with a large eat-in centre island Located just steps to Yonge Street and Wellesley subway station, this sunny luxury condo offers breathtaking city views including the CN Tower! Features include floor-to-ceiling windows; A functional open-concept layout; A modern, upgraded kitchen with a large centre island with a eating bar, stainless steel appliances, quartz countertops and neutral backsplash; A bright and spacious master bedroom with a 3-piece ensuite; A 2nd bedroom Window & closet; A 4-piece main bathroom; An oversize glass balcony; An owned locker; Top notch building amenities including an outdoor pool, party room, gym, guest suites++ Ideal location, close to all conveniences, U of T, Ryerson College, shops, restaurants, theatres, hospital networks +++ City living has never been so easy!

Sometimes the right fit may not be an mls listing and requires a little more digging. It involves networking within a community for potential sellers or reaching out to other agents for upcoming inventory to make that perfect match. We are happy to have secured this off-the-mls beauty that was a pocket-listing of a fellow agent’s to make a match for our buyers! Collaboration is a to success!

Coming soon: 45 William Bartlett Drive, Markham A spacious family home with a finished walk-out lower level backing onto a pond!

399 Adelaide unit 715-Full Cinematic Video: Welcome home to the ideal combo of function and style in unit 715 at sought-after Lofts399! This 2 bedroom, 2 full bathroom unit will check all the boxes for high-style city living amongst all conveniences! *See new listing post for full details or send us a PM for more info!