Jean Medland

Phone: 250-858 7716 |

I have sold a property at A 567 Windthrop Rd.
Lovely Quiet Peaceful Piece of Heaven - 1.15 ACRES of land backing on to Havenwood Park with a well maintained home. Offering just over 1350 Sq Ft of living space, build your new dream home or simply keep as a holding property for future development! This is a lovely treed property full of privacy & bordering the 40 Acres of Havenwood Park, gently sloping useable land that has been lovingly maintained for years. Move in and enjoy this property - features include an updated septic field, city water, 2013 roof, 3 bedrooms, 2 bath and 445 sq ft of covered decks for additional space. A wood burning fireplace in the family room and lots of natural light and the view of nature out of most windows. Just minutes to all ameneties, Royal Bay Beach and Royal Bay High School, Red Barn Market and more! Lots of trails for hiking too! Lots of new development in this area of Colwood, this could be a great holding property! Or build your dream home! Call for more info!
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I have sold a property at 2 123 Ladysmith St.
Let the light shine through this special home resting on a quiet street in the heart of James Bay. If you're looking for the absolute perfect LOCATION for a vacation spot, a full-time home or an incredible investment property, you've found it. This delightful family and pet friendly 5 unit complex is self-managed and proactive. This townhome offers a great floorplan with generous room sizes, quality finishes, 4 bed&3 bath,incl. potential self-contained bachelor suite with private entrance and separate laundry. It was lovingly cosmetically updated over the years with oak hardwood floor, wool carpet, quartz countertops, LED lights, prewired in EV charger and many more.Walls are double-insulated, so noise is minimum!A lovely private fully fenced garden area or a balcony off the third level is perfect for bbq. Located 2 blocks to the ocean and a stone's throw to parks, tennis courts, community garden, Fisherman's Wharf, Ogden Point, schools and downtown.In this location it won't last long.
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I have sold a property at 102 156 St. Lawrence St.
Charming James Bay family and pet-friendly 2 level townhome steps from the beach in James Bay. Come and view this 2 bedroom professionally managed townhome today! The main floor has an open floor plan that connects to a fully fenced large yard and patio area to enjoy the outdoors, bbq, and for entertaining. Perfect for pet owners and kids! Warm wood floors throughout. Both levels are bright and offer good-sized bedrooms with a separate, large laundry room and full bathroom. The full-length balcony provides light to the upper-level bedrooms! Walk to the beach, breakwater, and Fisherman's Wharf. Truly a wonderful, private spot to call home. Located near schools, daycares, and transit. This townhome comes with 1 parking spot and is very private. Book a showing today - won't last long!
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I have listed a new property at 2289 Nicki Pl.
Large family home in beautiful Thetis Heights, near schools, amenities, and walking trails. On the second level, enjoy an open floorplan encompassing a gourmet kitchen, dining area, and large family living room space. Hardwood floors on both floors levels with 9'ceiling and two gas fireplaces! The Master bedroom boasts a walk-in closet, jacuzzi ensuite with crown moldings, and custom lighting. On the main level, discover a spacious 2bd/2bth suite. The double garage has extra room for storage and a workshop area. Easy care, private yard is fenced, has a sprinkler system with ample room for parking. Come and see this beautiful, spacious home today. This one won't last long!
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I have sold a property at 401E 1115 Craigflower Rd.
Golf Course Living at Gorge Vale! Come see this centrally located, top floor, 2bd/2bth condo over top of the 2nd hole! Just over 1000sqft, this spacious home has loads of natural light with vaulted 9 ft ceilings. The strata is family& pet-friendly,& allows unrestricted rentals! Perfect for investors. Located on the top floor for quiet living, the prime location lends itself to easy commutes to all districts in minutes & on a main bus route. Surrounded by trails & parks with groceries nearby and the splendor of Gorge Park and swimming nearby. Attentive & well-run strata keep the property in top shape with consistent, professional maintenance. The condo has all wood floors, high-end cherry wood kitchen cabinets with stainless steel appliances, and in-suite laundry. You’ll enjoy the large, well-ventilated master bedroom with a walk-thru closet and ensuite. Secure underground parking & kayak storage. Come see this Gorge Vale Golf course condo today and enjoy the endless benefits!
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I have listed a new property at 102 156 St. Lawrence St.
Charming James Bay family and pet-friendly 2 level townhome steps from the beach in James Bay. Come and view this 2 bedroom professionally managed townhome today! The main floor has an open floor plan that connects to a fully fenced large yard and patio area to enjoy the outdoors, bbq, and for entertaining. Perfect for pet owners and kids! Warm wood floors throughout. Both levels are bright and offer good-sized bedrooms with a separate, large laundry room and full bathroom. The full-length balcony provides light to the upper-level bedrooms! Walk to the beach, breakwater, and Fisherman's Wharf. Truly a wonderful, private spot to call home. Located near schools, daycares, and transit. This townhome comes with 1 parking spot and is very private. Book a showing today - won't last long!
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I have sold a property at 2205 SHAW Rd.
Stunning oceanfront 2342 sf rancher with cabana, workshop, and gardens set on a .67 acre private lot. The kitchen has quality appliances and openness to the dining area, living room and conservatory. Vaulted ceilings add dramatic flare with picture windows, skylights, & great views. The primary bedroom features a renovated ensuite to complement the beach house feel of the home. Two more bedrooms, den/4th bedroom, media room, and utility room. Oasis-like yard with a covered walkway/arbour that connects the home to the workshop. The 438 sf workshop includes storage space, mezzanine, mechanical room, and workshop area, plus adjoining carport. A 212 sf cabana offers a fun sleep space or a detached studio. There are 12 raised bed gardens, variety of fruit trees, and many other gardens/plants. The stairs to the beach and kayak launch are completely upgraded. All measurements are approximate & should be verified if important.
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I have sold a property at 103 1018 Inverness Rd.
This exquisite 2 bed 2 bath private garden suite is arguably one of the best units at the popular “Shire”. A bright beautiful corner unit that will appeal to anyone looking for rarely found privacy, with a quiet and charming garden setting & a convenient central location. This corner unit benefits from 2 walls of picture windows providing wonderful natural light. It also has a private patio and walk-out access to a yard perfect for pets, children, UVic students & anyone who appreciates the freedom of having backdoor yard access without using common halls. Built in 2017, the condo is virtually brand new with a remaining home warranty in place, low strata fees, secure underground parking, storage & bike locker. Green Gold Standard construction designed for low & longterm maintenance costs, unrestricted rentals, pet friendly with a fantastic location close to bus routes, shopping, parks, trails, UVic, and only 5 minutes to downtown. A must-see & fantastic investment opportunity.
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I have sold a property at 6479 Old West Saanich Rd.
COUNTRY CHARM & PRIVACY-This 4 bed/3 bath home surrounded by an abundance of Dogwoods & fir trees boasts over 2600 sq ft of living space, making this a great option for a family that prefers a private, country setting. Located only 5 mins to Brentwood Bay & Butchart Gardens, & only 20 mins to downtown Victoria. Upstairs you will find a large Master w/3 pce ensuite, 2 add'l bedrooms, 5 pce main bathroom, kitchen w/balcony access, & living room w/wood-burning fireplace. Downstairs is a large 1 bedroom in-law suite, w/kitchen & separate walk-out entrance. Large family room w/wood burning fireplace & picture window provide add'l, finished living space for the family to enjoy. Home resides on 1/2 acre & is separated from Old West Saanich Rd. by a forest of trees, offering you privacy, nature & serenity. Backyard has plenty of space to optimize for hobbies of preference. Home has been well loved for many years & is ready for a new family to create their own memories. Call to view today!
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I have sold a property at B 904 Old Esquimalt Rd.
Delightful 3 bd/2bth rear duplex centrally located near Victor Brodeur School. Warm wood floors on the main level with large bedrooms upstairs. Tall ceilings and light throughout this quiet, open plan-designed home. Homes are separated by the single car garage so you have benefits of strata but you feel you're in a detached home. Over 1600 sqft of living space with a gourmet roomy kitchen. Relax by the living room fireplace or enjoy summer garden parties in the large, level garden oasis in the backyard. Room for your bikes, kayaks, and camping supplies in the shed. Fully fenced yard with custom gorgeous wood gates for easy access to the shed. Close to shopping, downtown, rec centre, schools, West Bay marina and transit. Walk Score of 72! Won't last long so book your viewing today!
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I have listed a new property at 401E 1115 Craigflower Rd.
Golf Course Living at Gorge Vale! Come see this centrally located, top floor, 2bd/2bth condo over top of the 2nd hole! Just over 1000sqft, this spacious home has loads of natural light with vaulted 9 ft ceilings. The strata is family& pet-friendly,& allows unrestricted rentals! Perfect for investors. Located on the top floor for quiet living, the prime location lends itself to easy commutes to all districts in minutes & on a main bus route. Surrounded by trails & parks with groceries nearby and the splendor of Gorge Park and swimming nearby. Attentive & well-run strata keep the property in top shape with consistent, professional maintenance. The condo has all wood floors, high-end cherry wood kitchen cabinets with stainless steel appliances, and in-suite laundry. You’ll enjoy the large, well-ventilated master bedroom with a walk-thru closet and ensuite. Secure underground parking & kayak storage. Come see this Gorge Vale Golf course condo today and enjoy the endless benefits!
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I have sold a property at 69 4061 Larchwood Dr.
Three bedroom plus den, three bathroom townhouse at Cedar Lane. Walking distance to UVic and NO Rental Restrictions, making it a great investment property or student accomodation. No age restriction makes it great for families and dogs and cats allowed as well! Three bedroom two bathroom upper level with a shower in the ensuite. Renovated kitchen with quality stainless steel appliances and newer cabinets, two piece bath and a large living room that leads out to the 500sqft patio with west exposure. Lower level is partially finished with drywall and carpet with a rec room, insuite laundry, tons of storage space and a 4th bedroom/den/office for lots of living options and flexibility. Lower level is an additional 624sqft, not included in the finished square footage but fully useable space. Energy efficient gas furnace and gas hot water tank. Great complex within walking distance to all levels of amenities including shopping, transit, schools, parks and more. Proudly offered at $599,900.
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I have sold a property at 7059 Briarwood Pl.
Spectacular Whiffin Spit Beauty situated on almost 1/2 acre lot on cul de sac & any easy 5-minute walk to Whiffin Spit Park. Large custom built 1981 bungalow on unfinished basement has been lovingly & meticulously cared for over the years. Expansive front yard w/ beautiful gardens - house sits high w/ views of Sooke Hills. Designed for living large- generous room sizes incl. living room, inline dining room & kitchen offering wall oven, built in microwave, pantry & peninsula opening on to eating area. Main level is over 2400 sq ft & offers sunroom w/ French doors & 29x19 family room w/ an abundant use of windows- endless possibilities. 3 beds 2 baths – incl. master w/walk in closet & 3 piece ensuite. The almost 8ft high -1800sq ft unfinished basement has fireplace, wood stove & windows- just waiting to be finished for your needs. South facing backyard has deck, large level lawn w/ mature trees, vegetable garden area & greenhouse. This is a superior property in a superior neighbourhood!
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I have sold a property at 1320 Queensbury Ave.
This large family home is in the sought-after, exclusive Maplewood area and has lots of room! Built in 1969, over 3000 sqft, 5 bds(6 if you add a closet), with 2 kitchens, so perfect for inlaws or guests. Lower level has a wood fireplace & extra storage. Two car garage leaves plenty of room for a shop. Up the spiral staircase to the 2nd level, offers a large living room, separate formal dining area, and an updated kitchen with a breakfast nook. Oversized master bedroom has a 2-piece bathroom, with deck and stairs to the terraced back yard. The second floor has 2 more generous bedrooms along with a 4-piece bathroom. You will love gorgeous Cedar Hill Golf Course views from the massive, wrap-around deck. Bring your updating ideas to this stunning location. Start your day walking the trails, feeding the ducks, playing golf, or simply enjoying the warm deck with a terrific book. Lots of parking & easy to view. Won't last long!!
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I have sold a property at 2854 Knotty Pine Rd.
Perfect starter home or forever home on a large private lot. Spacious rancher with breezeway and cozy family room with woodstove (has private entrance). This 3 bedroom home offers charm with crown molding and a gas fireplace in the living room. Attic for extra storage space. Large yard with plenty of room for gardening, entertaining & relaxing. Tons of separate storage room in the shed and attached workshop/hobby room. Bonus: Newer updates include exterior and roof & windows all done recently. In the heart of Langford, shopping, entertainment, dining and Langford Lake is all just a couple of minutes away! Side yard has access to rear of property. Underground sprinklers, newer cedar deck and plenty of room to roam in this well cared for home!
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I have sold a property at 1017 Isabell Ave.
Charming and functional! This 5 bedroom, 2473 sqft house WITH SUITE is located on a culdesac in the popular Happy Valley community. You'll love the sprawling 8700 sqft lot that is fully fenced and divided into two areas - giving the suite it's own enclosed yard space! Enjoy direct access to the Galloping Goose trail and parking for up to 7 cars - all in close proximity to schools, lakes, playgrounds and amenities! Inside you will appreciate the character with inlaid oak flooring, lathe and plaster walls, and crystal door knobs on the french doors - all rarities in this neighborhood! The upper level offers 3 beds, large bright living areas/kitchen, and a newer sundeck overlooking a big back yard. The lower level boasts a full height 2 bed suite ideal for supplemental income or future family expansion. The home is well cared for with many valuable updates done over the years (see list in docs) including a newer septic system and updated roof/windows! Don't miss this one!
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I have listed a new property at B 904 Old Esquimalt Rd.
Delightful 3 bd/2bth rear duplex centrally located near Victor Brodeur School. Warm wood floors on the main level with large bedrooms upstairs. Tall ceilings and light throughout this quiet, open plan-designed home. Homes are separated by the single car garage so you have benefits of strata but you feel you're in a detached home. Over 1600 sqft of living space with a gourmet roomy kitchen. Relax by the living room fireplace or enjoy summer garden parties in the large, level garden oasis in the backyard. Room for your bikes, kayaks, and camping supplies in the shed. Fully fenced yard with custom gorgeous wood gates for easy access to the shed. Close to shopping, downtown, rec centre, schools, West Bay marina and transit. Walk Score of 72! Won't last long so book your viewing today! MORE PHOTOS COMING!
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Shopping for a Mortgage?
A Stricter Stress Test is Likely on the Way

 

If you’re in the market for a mortgage over the next several months, you’ll want to read on.

Several new mortgage changes are coming down the pipeline that could affect your ability to qualify for a loan. Below we cover these changes and how they may impact you. 

A Stricter Stress Test (Potential impact: medium for uninsured mortgage borrowers)

Last month, Canada’s banking regulator proposed changes that will tighten the stress test for uninsured mortgages (those with a down payment of 20% or more). 

The Office of the Superintendent of Financial Institutions unveiled its proposal that would see the current qualifying rate rise from 4.79% today to 5.25% starting June 1. OSFI said it would also “revisit the calibration of the qualifying rate at least once a year to ensure it remains appropriate for the risks in the environment.”

Experts calculate that the tightening will result in a reduction in purchasing power of about 4%. In other words, if you can qualify for a $500,000 mortgage today, after June 1 that will be reduced to $479,000. 

Most uninsured borrowers who are well-qualified shouldn’t have a problem meeting the new qualification criteria, but if you’re currently near the limit of your borrowing capacity, you’ll want to run the numbers with me to ensure you can still qualify. 

Vacancy Tax for Foreign Buyers (Potential impact: none for Canadian residents)

Despite calls for the federal government to rein in house price growth, Finance Minister Chrystia Freeland’s first budget was absent of any significant measures aimed at cooling the housing market. 

More Rule Changes to Come?

It’s widely expected that the Department of Finance will eventually announce a tightening of the insured stress test to bring it more in line with the proposed changed for the uninsured test. This would apply to those obtaining a mortgage with a down payment of less than 20%. 

There’s been no confirmation as of yet, however when OSFI released its revised stress test proposal the Minister of Finance said this: “We will continue to monitor housing market conditions across the country. To inform potential steps the government may take, we will closely examine the results of the consultation announced by the Superintendent of Financial Institutions.”

Do you have a renewal coming up or are you considering a refinance? Are you concerned about the potential impacts of the stress test changes? The key is having all of this new information in hand before embarking on the process, and I’d be happy to review the changes with you.  


Call me today!

Michelle Earl
(778) 678-9796
michelle.earl@mortgagegroup.com

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I have listed a new property at 1320 Queensbury Ave.
This large family home is in the sought-after, exclusive Maplewood area and has lots of room! Built in 1969, over 3000 sqft, 5 bds(6 if you add a closet), with 2 kitchens, so perfect for inlaws or guests. Lower level has a wood fireplace & extra storage. Two car garage leaves plenty of room for a shop. Up the spiral staircase to the 2nd level, offers a large living room, separate formal dining area, and an updated kitchen with a breakfast nook. Oversized master bedroom has a 2-piece bathroom, with deck and stairs to the terraced back yard. The second floor has 2 more generous bedrooms along with a 4-piece bathroom. You will love gorgeous Cedar Hill Golf Course views from the massive, wrap-around deck. Bring your updating ideas to this stunning location. Start your day walking the trails, feeding the ducks, playing golf, or simply enjoying the warm deck with a terrific book. Lots of parking & easy to view. Won't last long!!
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I have sold a property at 52 14 Erskine Lane.
An ideal location! Walking distance to Eagle Ridge Center, Schools, Hospital, Galloping Goose Trail & Thetis Lk Park! Enjoy Southerly exposure with sun streaming through the many over-sized windows. The Chefs in the family will enjoy the bright, updated kitchen with tile floor & lots of cupboards/ counter space. The spacious, bright dining area has patio doors to the private patio & a breakfast counter open to the living room. Relax on the quiet patio, backing on to a green belt for added privacy & a peaceful view. The top floor has 3 bedrooms, incl the large master with ensuite, & main bath. The fully finished ground level features a 4th bedroom, den, full bath plus separate entry. Situated in a quiet area with plenty of wonderful neighbors, this well managed complex offers a wonderful club house with a full kitchen, large event room, patio, BBQ, exercise equipment and a pool table. Pet friendly for 2 dogs or 2 cats (subj to Strata approval)
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