All posts by Andrew

Andrew Somerville is considered an expert and leader in the Guelph real estate area. His unique approach to real estate is refreshing to his clients.

Student Housing – Changes Looming

Student housing has been a lucrative venture for landlords for decades. There are estimated to be around 900 houses that are rented exclusively to students and having 4 or more tenants sharing the house. A large portion of these houses are considered by definition, to to be lodging houses, but are not registered. Here is the official definition of a lodging house cording to the City of Guelph..

Student Housing – Changes Looming.

Another New Listing

Ok, so I haven’t been blogging too much about our new listings but since I have been on the internet band wagon, I thought I should.  So you will see a few posts about our guelph real estate listings.  The first is the most recent: 45 Moss place.

45 Moss Place is a fantastic opportunity to own a well kept investment property or starter home.  The current owner is not a renter and has put a lot of love into the upkeep and maintenance of this property.  This home is ideal for a young couple looking to start out and not break the bank on a home. Townhouses are selling for more than this plus additional condo fees, making this detached home a bargain.

New flooring has been put in all through the home, starting with the ceramic entrance way.  The hardwood laminate flows nicely into the living room area, and transitions back into a large tiled ceramic in the kitchen.  Upstairs you will find new neutral coloured carpet.

The backyard is large and the green grass is very desirable for your family activities.  Being completely fenced for your beloved pets and young children.  The house is also located on the curve of the street which makes the yard a pie shape for more room.

In the basement you will find a finished rec room that is also suitable for a 4th bedroom.  The rough in for the extra bath is conveniently located for a quick and painless new bath room installation.  The laundry area is large and exceptionally clean.

For more information visit:

Gardening in Pots

Gardening in Pots

In the spring, many a homeowner’s thoughts turn to the garden. Given the beauty and convenience of a container garden, it’s no surprise that an estimated 90 percent of America’s 67 million gardeners grow plants in containers. Here are some tips for creating a cheerful container garden of your own.


Expand your imagination beyond flowers: a wide variety of plants and evergreen shrubs do very well in containers. Be sure to purchase your plants at a dependable nursery, selecting only high quality plants that are free of disease and pests. For more visual interest in each pot, use three or four plant varieties that harmonize with one another.

Sun & Soil

When growing plants in containers, rotate them a quarter turn each day to help them grow straight and full. Potted plants usually require more water and fertilizer than plants growing in the ground, using the proper kind of soil is very important.


Your imagination is the limit when it comes to containers for your garden. Most plant containers are made out of wood, plastic, ceramics or clay. But you might try non-traditional containers, such as buckets, wooden crates, or an old watering can. An unusual container can make for a striking garden arrangement.

Your container garden will make your home appear more welcoming and even more attractive to potential buyers. And whatever type of garden you create, remember to take time to enjoy it.

5 Reasons to Move This Summer

5 Reasons to Move in the Summer

Home buying and selling activity is typically hottest during the summer months. Here are five top reasons you should take advantage of the season and make the move this summer.

1. More homes to choose from

More people choose to sell during the summer due to nicer weather and school schedules. With a larger number of homes on the market, you’re more likely to find a home that suits your lifestyle and budget. If you’re thinking of selling, you’ll find a greater number of potential buyers in the summer.

2. Easier on the kids

The variety of summer programs available makes it easier for your children to meet future schoolmates. Kids are also playing outside more, which gives them lots of opportunities to make friends in their own neighborhood. Not to mention they’ll be able to start in the beginning of the school year and avoid the obvious new-kid syndrome.

3. More daylight

This is a plus for both sides of a transaction—buying and selling. It’s more appealing to show your house in the daylight.

4. Flowers are in bloom

As long as you water regularly, your curb appeal will be maximized by the lush and fragrant summer-blooming flowers. This also gives buyers a good idea of the amount of maintenance to expect to keep your yard looking beautiful.

5. Garage sale season

This is the perfect time to get rid of clutter. Your house will appear more spacious to your potential buyers, plus you’ll have less stuff to haul to your new home. Invite your neighbors to participate and make it a block sale for better attendance.

If you’re planning on buying this summer, get an advantage over the competition by getting pre-approved now. Whether you’re buying your first home, or selling your current home and buying another, the summer is an ideal time to make YOUR move.

What Are the Benefits of Hiring a Real Estate Agent

The home buying and selling process can be an intense and difficult task. With so much information available online, many people think they can take on the task on their own without using the services of a real estate agent. The real estate market can be complicated if one does not have the knowledge and experience. The benefits of using the services of a real estate agent can make the process much simpler and less stressful.

The following outlines the many benefits of hiring a real estate agent:

1. Knowledge and Know-How: Purchasing a home is more than just submitting an offer. An agent will have such knowledge as the community, neighborhoods, schools, road system, hospitals, shopping and supermarket locations …etc. They can also help you find a home that you can afford as well as offer advice on mortgages. They are knowledgeable about all that is involved when buying a home, such as the documentation required and the steps involved with the purchase. A real estate agent takes you through the process and minimizes the stress.

2. Time-Saver: If you are selling a home, an agent can take over the tasks such as arranging for a showing as well as actually showing the home. If you are buying a home, the agent will arrange for viewing homes that will suit your needs instead of spending time looking at homes that do not serve your purpose.

3. Buying and Selling Price Assistance: Agents will know if a home that is being sold is worth the money. They will look at such aspects as home demand and supply, current market conditions, the location, the type of house, and if the details of the house such as the number of bedrooms, are appropriate for the asking price. They can also negotiate the price which could save you thousands of dollars. Agents have access to such information as the value of other homes in the area, average sale prices, and the number of days the home has been on the market.

4. Essential Contacts: Agents may be able to recommend such professionals as a home inspector, Mortgage Company, a good attorney – etc. They have great contacts with those in the home sales market. They know reputations and can provide a number of choices so one can choose wisely.

5. Manage Documentation: The amount of paperwork involved with selling and buying a home can seem complicated and overwhelming to the novice. The Purchase papers can often be more than 10 pages. There are other papers such as such as federal and state disclosure forms. A real estate agent has the knowledge about all documentation involved with the sale process so that everything will be written up properly and legally.

6. Support: Because of the complex nature of the real estate process, you never know what questions you will have, but one thing for sure is that you will have questions. An agent will answer every question from start to closing.

Real estate agents play a crucial rule in the home sale/purchase process. By hiring a real estate agent, one will save time, money, and reduce a great deal of stress. For any home buy/selling venture, a qualified real estate agent is a must-have.

Article Source:

How to Avoid Financing Declines – Lunch and Learn

Realtor Lunch & Learn

SOLD! How to avoid financing declines!

Join us this month for our FREE Lunch & Learn at the Guelph Cutten Club on Thursday May 20th from 12:30 – 1:45pm.

This month we will be reviewing the new mortgage rules and how they are changing the way you need to qualify your buyers and sellers.

In this session, we’ll show you:

– how to ensure your clients don’t get turned down for financing

– what you can do to better prepare your clients and get them the best deal

– how to stay in control of your deal and ensure it doesn’t fall apart on financing.

Register quickly!

Seating is limited to 40 Realtors so register quickly by replying to this email or call 519-763-3900 ext. 1000 and speak with Amy.

We look forward to seeing you there!

The Mortgage Centre in Guelph

Complementary Real Estate Services Inc.
Licence Number: 10242

343 Waterloo Avenue, Guelph, Ontario, N1H 3K1
Phone: 519-763-3900
Fax: 519-763-5233
Toll free: 866-838-4366
Toll free Fax: 866-812-8565

Each Mortgage Centre office is independently owned and operated.

Local Realtor Owns Property Guys

What Do You Think?

So a Real Estate Broker owns a private sale franchise in Mississauga.  the question posed is how can someone work both niches (private-sale and real estate) and still claim to have honest motives when talking to the prospective client?  I am not saying that this broker is dishonest in fact I am sure they are not.  What I am saying is how does one talk with conviction when asking someone to pay you to list on MLS when you might say just the opposite should they be looking for assistance to sell privately.  I would suggest that he should pick one or the other and run with it.

Here is the video that mentions his franchise.  Remember that I am not against private sale companies, they have their place.  Nor am I anti competition.  I believe in my model and my skills, people will pay for that expertise which will often put more money in their pocket should they follow my advice, rather than sell privately.  I just wish everyone would try it the logical way, which is to list with a realtor, then if that doesn’t work try privately…. MLS doesn’t cost a thing until it sells.  Anyway that’s another story.

So the reason I posted this video was really to attract more hits to this blog. PropertyGuys is a great website. I don’t have to bash them like some of their commercials or their presentations.  (That “Joe Schmo” thing is bothersome). Despite their sometimes questionable marketing methods, selling privately is an option. Just make sure that your motivation is right. Are you selling because you truly feel that you will put more money in your pocket, or are you caught up in a prideful mindset that just doesn’t want to give anyone a large paycheque? Isn’t it worth a chat with a realtor, its free, only 30 minutes at tops, and can potentially save you thousands of dollars? You can also take the head in the sand approach too I suppose. What you don’t know doesn’t hurt right?

What are your thoughts, should a Real Estate Broker own a Brokerage and a Private Sale company?


For more information about Andrew Somerville’s service visit: or leave a comment below.

Canadian Mortgage Borrowers Spring 2010 Stats

Significant Statistics: Prudence Paying Off For Canadian Mortgage Borrowers – Spring 2010

• There are approximately 9.3 million homeowners in Canada, including about 5.55 million with mortgages.

• Almost 80 per cent of young borrowers have opted for a fixed rate mortgage or a mortgage that combines fixed and variable rates.

• A small number of mortgage consumers (17 per cent) have amortization periods of more than 25 years and the share of mortgages with extended amortizations has stabilized – a year ago the share was also 17 per cent.

• Among borrowers who have renewed a mortgage in the past 12 months, almost three-quarters received a reduction in their interest rate. On average, interest rates were reduced by 1 percentage point on mortgages renewed in the past 12 months.

• 16 per cent of mortgage borrowers have increased their monthly payments beyond required amounts. Combining the data obtained in the survey, the total increases amount to about $150 million per month or $1.8 billion per year if those increased payments are sustained.

• 13 per cent of mortgage borrowers made lump sum payments, with an estimated total of $7.8 billion, equivalent to 1 per cent of the total outstanding mortgage principal.

• For new mortgages, 50 per cent were obtained from a bank, 30 per cent from a mortgage broker, and 20 per cent were obtained from another source.

• Mortgage brokers are used most often in Alberta (32 per cent), B.C. (29 per cent) and Ontario (26 per cent) compared to the Maritimes (19 per cent), the Prairies (17 per cent) and Quebec (14 per cent).

• The total volume of the residential mortgage market is expected to pass the $1 trillion mark mid-year and by the end of 2010 would be in the range of $1.04 trillion. By the end of 2011, the forecast is $1.13 trillion to $1.14 trillon.

Courtesy of Canadian Association of Accredited Mortgage Professionals (CAAMP).

Private Home Sales – Should a Realtor Sell Them?

Perhaps I am misguided for my choice of business model, and for this I apologize, mainly to the other Realtors. The reason I say this is because I don’t see the problem with selling private sales when the house is perfect for my buyers. Sure companies like the PropertyGuys get a little marketing boost when I sell one of their listings, but aren’t we all working together? I stick my sign in th eyard anyway even though their “policy” says I can’t. The homeowner is the real authority here, if they want my sign in the yard saying I sold the home, then why not? The general question I am asking though, is, Isn’t that my job; to sell houses? Aren’t those (private sales) considered houses? How can i tell my buyers that I cannot show that house because it is listed privately?

In the end I always act in the best interest of the buyers. Most of the time I still get paid by the seller and both buyer and seller are happy with me and refer more business to me. I have sold 6 this year. Sure my name doesn’t get recorded for those six sales in our local real estate board or on MLS, but that just pads my ego more than anything. So what is your opinion? Should I sell private sales or not? If your house was listed for private sale would you be grateful for me bringing a buyer and be willing to pay for that?

5 Kitchen Remodel Innovations

5 Kitchen Remodel Innovations

For most people, the kitchen is the most used room in their home. In fact, it’s so important that a kitchen’s usefulness and appearance tend to rank high in buyers’ lists for what they want in their next home.

Whether you are thinking of upgrading your kitchen and want to dream big, or are just wondering what the high-tech trends are, here are a few cutting-edge items you may soon see in the “kitchen of the future.”

Open-sesame cabinets

A line of cabinets by Anvil Motion lets you open your cabinets with a wave of the hand. And with the fingerprint-recognition option, you can keep drawers locked unless you open them, which is useful for knives and valuables.

Repair notification

Technology found in some new Miele refrigerators, washers and other appliances will detect a malfunction and alert either you or the company service center that it’s time for a visit from the repairman.

Cook in no time flat

Want to cook a 12-pound turkey in less than an hour? The TurboChef oven uses patented technology to move currents of hot air, so you can cook food up to 15 times faster than conventional cooking.

Glowing counters

Textured and colored countertops from ThinkGlass can be lit from underneath by LED lights so they can glow in a wide variety of different colors.

Fridge-oven combo

Want a steaming hot dinner on the table as soon as you get home? The Tmio intelligent oven lets you call it from your cell phone, and it will switch from refrigerating food to begin cooking what’s inside.

Of course, even less-than-cutting-edge technology can improve your kitchen as well. Feel free to get in touch anytime to discuss how improving your kitchen can also improve the value and enjoyment of your home.