Tracy Irwin's - How the Federal Budget Can Help You Save Money!

Mortgage Loan Minute 60 seconds to informed home ownership
In This Issue
How the Federal Budget Can Help you Save Money!
The Do's and Don'ts of Bathroom Renovations
Quick Links
  Current interest rates:

  Prime Rate ................... 3.00
  3 year fixed ..................  3.75 
  5 year fixed ..................  4.29
  7 year fixed ..................   5.70
  10 year fixed .................  6.05
  Variable rate .................  3.60
Tracy Irwin, AMP
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I am pleased to announce the release of The "Intelligent Guide to Homeownership" DVD.   

This comprehensive DVD tackles the tough questions that face first-time homebuyers, entrepreneurs, newcomers to Canada and divorced or separated homeowners - providing mortgage solutions that open doors!

If you would like a copy of this DVD, please contact me at
Coming soon .... DVD chapters will be available for viewing on our website and YouTube.
How the Federal Budget Can Help You Save Money!
Summary of benefits for homeowners 
Interest rates are at an historic low and the budget was created to stimulate the economy further.  (That translates to the government needs us to spend money to get the economy back on track!)
Home Buyer's Plan
The withdrawal limit was increased from $20,000 - $25,000.
First time home buyers' tax credit
A new non-refundable tax credit was introduced based on an amount of $5,000 for first-time home buyers where the home closes after January 27, 2009.  The credit is claimable for the taxation year in which the home was acquired.
Home Renovation Tax Credit
The credit will apply to expenditures in excess of $1,000, but not more than $10,000 resulting in a maximum creditof $1,350 per family.  Expenditures for work performed or goods acquired after January 27, 2009 and before February 1, 2010 will be eligible for the credit.
If you are a first-time home buyer ... this is your year to buy!
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The Do's and Don'ts of Bathroom Renovations

Steve DeLuca, Plumbing House 
We have decided to renovate our Bathroom..... 
These words will be uttered countless times by homeowners venturing into the marketplace in the hopes of keeping re-sale values on their homes strong.  As all informedbathroom consumers know, bathrooms carry a lot of clout towards increasing re-sale dollars.  But how can we as consumers get the most ...Bang For Our Buck.

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During a practice round, golfer Jerry McGee was bending over to tee up his ball when playing partner Bill Blanton took a practice swing.  Unfortunately, Blanton had his eye on the ball - not on McGee.  The solid blow to the head knocked McGee out of action for several weeks!
Tracy Irwin, AMP
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