The number of new listings of homes for sale on the Multiple Listing Service® (MLS®) of all real estate Boards in Canada set a new record in July 2008, according to MLS® statistics released by The Canadian Real Estate Association (CREA).
New MLS® residential listings numbered 80,147 units in July 2008, up 1.4 per cent from the previous month and 0.5 per cent above the previous record set in May 2008. This is the first time in any month that new listings surpassed eighty thousand units.
The number of new listings scaled to new heights in Ontario and Quebec, and in Manitoba climbed to their second-highest level since the beginning of the new millennium. This more than offset a monthly decline in the number of new listings in Alberta, where levels continue retreating from the peak reached in March.
Seasonally adjusted national sales activity in July 2008 was stable compared to the previous month. It has been holding steady since posting a 6.0 per cent month-over-month decline in February. Monthly activity rose in Alberta, Nova Scotia and Prince Edward Island for the second time in as many months. Activity also rose on a month-over-month basis in Newfoundland & Labrador. The monthly increase in activity in these provinces was offset by a monthly decline in activity in British Columbia, Ontario, and Quebec.
Sales activity set a new monthly record in Manitoba, and in Newfoundland & Labrador. It also climbed to its highest point on record for the year-to-date in these provinces.
Resale housing market balance is represented by sales as a percentage of new listings. The continuing rise in the number of new listings is resulting in a considerably more balanced resale housing market this year than buyers faced last year. This trend is most apparent in British Columbia and Saskatchewan, which remained the most balanced provincial markets in July. The market is showing signs of stabilizing in Alberta, where new listings have declined and market balance has tightened in each of the months from April to July 2008.
The national MLS® residential average price eased by 2.4 per cent year-over-year in July 2008, compared to the average price decline of 3.6 per cent in the major markets in Canada reported by CREA earlier this month. The MLS® price decline reflects softening average prices in Alberta and an increase in the province’s share of national sales activity compared to year-ago levels. By contrast, residential average price climbed to its highest level for the month of July in all other provinces except British Columbia, and its highest level ever in Newfoundland & Labrador. Average price for the year to date (as of July 2008) is 2.7 percent above where it stood over the same period last year.
Seasonally adjusted dollar volume for MLS® sales totaled $11.8 billion in July 2008, climbing to the highest level ever in Manitoba and Nova Scotia. It also reached the highest level on record for the month of July in Quebec, New Brunswick, and Newfoundland & Labrador. Volume for the year to date in July also achieved the second highest level on record, down 16.6 per cent from the peak last year.
"To keep things in perspective, 2007 was a record year for MLS® sales in Canada," says the President of The Canadian Real Estate Association, Calvin Lindberg. "The fact that sales volume continue at levels so close to that record year indicates what a dynamic and active real estate market there is in many regions of the country."
"The other factor is that the more listings there are on the market, the bigger the impact on the average price," the CREA President adds. "It means a market when buyers have more options, and sellers must be realistic in their pricing expectations. A REALTOR® has expertise and marketing resources to help both."
"The trend for new listings generally reflects recent price trends," said CREA Chief Economist Gregory Klump. "While still elevated, new listings in Alberta are easing and market balance is stabilizing now that prices there have softened. Similar trends are expected to play out in other western provinces where prices posted sharp gains last year," he said.
“Copyright British Columbia Real Estate Association. Reprinted with permission.” August 29, 2008
Friday, August 29, 2008
Monday, August 18, 2008
An Excellent Time to Buy or Sell
By incorporating the right strategy this is still an excellent time to buy or sell a home. I make this statement despite the fact that recent stats are definitely showing that the market has slowed. After all the Kootenay Real Estate Board has just reported a 69% increase in current inventory. The result of a 33.8% slow down in sales and and a 24.8% increase in the number of listings.
But the future is not as bleak as it appears. Our adjusting real estate market is not a disaster. This correction is needed to help create a healthier, balanced market.
For Sellers current market conditions simply means that they must price their home right. Sellers must accept that their house will not sell for as much as it would have last year and that to influence a quick sale, the really anxious seller may even have to further reduce the price. Properties are now taking longer to sell. Pricing a property correctly is still the best way to reduce the stress of selling.
In addition to selecting an appropriate asking price, the condition of the property is key to achieving the quickest sale for the highest price and most favorable terms. Staging is now more critical then in previous years when a house in any condition would sell quickly just because there was nothing else available. Today sellers need to remove clutter and make repairs. A well maintained and well presented home will out sell the properties where work has been deferred. The balance of power has levelled but sellers still maintain control of the condition and price of a property.
For buyers the new market conditions provides them with the time that they need to make an informed decision. I never enjoyed having to say to a buyer, "if you like this house you will need to act quickly, by tomorrow it will likely be sold." But that was the reality of the 2005-2007 Nelson, BC real estate market.
The reality for buyers in 2008 is no pressure to compete, an increase in supply and time to consider a purchase rationally. Now is the time for buyers to seriously consider purchasing a home.
But the future is not as bleak as it appears. Our adjusting real estate market is not a disaster. This correction is needed to help create a healthier, balanced market.
For Sellers current market conditions simply means that they must price their home right. Sellers must accept that their house will not sell for as much as it would have last year and that to influence a quick sale, the really anxious seller may even have to further reduce the price. Properties are now taking longer to sell. Pricing a property correctly is still the best way to reduce the stress of selling.
In addition to selecting an appropriate asking price, the condition of the property is key to achieving the quickest sale for the highest price and most favorable terms. Staging is now more critical then in previous years when a house in any condition would sell quickly just because there was nothing else available. Today sellers need to remove clutter and make repairs. A well maintained and well presented home will out sell the properties where work has been deferred. The balance of power has levelled but sellers still maintain control of the condition and price of a property.
For buyers the new market conditions provides them with the time that they need to make an informed decision. I never enjoyed having to say to a buyer, "if you like this house you will need to act quickly, by tomorrow it will likely be sold." But that was the reality of the 2005-2007 Nelson, BC real estate market.
The reality for buyers in 2008 is no pressure to compete, an increase in supply and time to consider a purchase rationally. Now is the time for buyers to seriously consider purchasing a home.
Kootenay Real Estate Board Stats July 2008
Sales were down 31% over last year, Year to Date overall sales are down 33.8%.
Listing numbers in July were up 17% over last year, Year to Date listing numbers are up 24.8%.
Listing Inventory is up 69% over last year at the end of July.
Listing numbers in July were up 17% over last year, Year to Date listing numbers are up 24.8%.
Listing Inventory is up 69% over last year at the end of July.
Swollen Inventories Favour Homebuyers
British Columbia Real Estate Association (BCREA) reports residential sales dollar volume on the Multiple Listing Service® (MLS®) in BC declined 38 per cent to $2.9 billion in July, compared to July 2007. Residential unit sales fell 37 per cent to 6,541 units during the same period. The average MLS® residential price in the province was $444,358, down 0.5 per cent from July 2007. “Home sales have slowed to a level not seen since the beginning of the decade,” said Cameron Muir, BCREA Chief Economist. “BC households are now cautious about making major purchases in light of uncertainty around fuel prices and other inflationary pressures.”
“The slowdown in housing demand has swollen the inventory of homes for sale, putting downward pressure on home prices in some markets,” added Muir. A total of 60,008 homes were for sale on the MLS® in July, an increase of 63 per cent from the previous year. “While this inventory is expected to decline in the coming months, most BC regions will remain in buyers’ market territory for the remainder of 2008.”
Year-to-date MLS® residential sales dollar volume in the province declined 18 per cent to $23.2 billion compared to the same period last year. Sales transactions fell 24 per cent to 49,448 units, while the average residential price increased 8.2 per cent to $469,676 over the same period.
“Copyright British Columbia Real Estate Association. Reprinted with permission.” August 15, 2008
“The slowdown in housing demand has swollen the inventory of homes for sale, putting downward pressure on home prices in some markets,” added Muir. A total of 60,008 homes were for sale on the MLS® in July, an increase of 63 per cent from the previous year. “While this inventory is expected to decline in the coming months, most BC regions will remain in buyers’ market territory for the remainder of 2008.”
Year-to-date MLS® residential sales dollar volume in the province declined 18 per cent to $23.2 billion compared to the same period last year. Sales transactions fell 24 per cent to 49,448 units, while the average residential price increased 8.2 per cent to $469,676 over the same period.
“Copyright British Columbia Real Estate Association. Reprinted with permission.” August 15, 2008
Monday, August 11, 2008
Housing Starts Down in July
The seasonally adjusted annual rate of housing starts was 186,500 units in July, down from 215,900 units in June, according to Canada Mortgage and Housing Corporation (CMHC).
“After a strong first half of the year, the volatile multiple segment is now readjusting itself.” said Brent Weimer, Senior Economist at CMHC’s Market Analysis Centre. “This brings activity since the start of the year closer in line with our 2008 forecast of more than 200,000 housing starts for the seventh consecutive year.”
The seasonally adjusted annual rate of urban starts decreased by 14.8 per cent in July compared to June. Both urban multiples and singles moved down, with a drop of 20.2 per cent for multiples to 91,600 units, and a 6.6 per cent decline for singles to 69,800 units.
The seasonally adjusted annual rate of urban starts went down in Ontario and to a lesser extent in the Prairies, where housing starts decreased by 38.8 per cent to 47,800 and by 1.6 per cent to 30,600 in July, respectively. Urban starts increased slightly by 2.2 per cent to 41,200 units in Quebec, by 2.4 per cent to 8,700 units in Atlantic Canada, and by 5.1 per cent to 33,100 units in British Columbia. While single starts decreased in all regions in July, with the exception of the Atlantic Canada where they remained unchanged, multiple urban starts only registered a decline in Ontario.
Rural starts were estimated at a seasonally adjusted annual rate of 25,100 units in July2.
For the first seven months of 2008, actual starts in rural and urban areas combined were up an estimated 2.3 per cent compared to the same period last year. Year-to-date actual starts in urban areas have increased by an estimated 2.4 per cent over the same period in 2007. Actual urban single starts for the January to July period of this year were 15.5 per cent lower than they were a year earlier, while multiple starts were up by 19.0 per cent over the same period.
CMHC OTTAWA, August 11, 2008
“After a strong first half of the year, the volatile multiple segment is now readjusting itself.” said Brent Weimer, Senior Economist at CMHC’s Market Analysis Centre. “This brings activity since the start of the year closer in line with our 2008 forecast of more than 200,000 housing starts for the seventh consecutive year.”
The seasonally adjusted annual rate of urban starts decreased by 14.8 per cent in July compared to June. Both urban multiples and singles moved down, with a drop of 20.2 per cent for multiples to 91,600 units, and a 6.6 per cent decline for singles to 69,800 units.
The seasonally adjusted annual rate of urban starts went down in Ontario and to a lesser extent in the Prairies, where housing starts decreased by 38.8 per cent to 47,800 and by 1.6 per cent to 30,600 in July, respectively. Urban starts increased slightly by 2.2 per cent to 41,200 units in Quebec, by 2.4 per cent to 8,700 units in Atlantic Canada, and by 5.1 per cent to 33,100 units in British Columbia. While single starts decreased in all regions in July, with the exception of the Atlantic Canada where they remained unchanged, multiple urban starts only registered a decline in Ontario.
Rural starts were estimated at a seasonally adjusted annual rate of 25,100 units in July2.
For the first seven months of 2008, actual starts in rural and urban areas combined were up an estimated 2.3 per cent compared to the same period last year. Year-to-date actual starts in urban areas have increased by an estimated 2.4 per cent over the same period in 2007. Actual urban single starts for the January to July period of this year were 15.5 per cent lower than they were a year earlier, while multiple starts were up by 19.0 per cent over the same period.
CMHC OTTAWA, August 11, 2008
Wednesday, July 30, 2008
Mortgage Rates from Invis
Terms-Posted Rates-Best Rates
6 MONTHS - 6.20% - 6.20%
1 YEAR - 6.95% - 5.05%
2 YEARS - 7.00% - 5.50%
3 YEARS - 7.00% - 5.50%
4 YEARS - 6.99% - 5.50%
5 YEARS - 7.15% - 5.64%
7 YEARS - 7.60% - 6.20%
10 YEARS - 7.95% - 6.25%
6 MONTHS - 6.20% - 6.20%
1 YEAR - 6.95% - 5.05%
2 YEARS - 7.00% - 5.50%
3 YEARS - 7.00% - 5.50%
4 YEARS - 6.99% - 5.50%
5 YEARS - 7.15% - 5.64%
7 YEARS - 7.60% - 6.20%
10 YEARS - 7.95% - 6.25%
Friday, July 25, 2008
2008 Mid Year numbers resemble “Buyers Market”.
Midway through 2008, the year in real estate resembles a “buyers market”. A buyers market can be categorized as a real estate market where the inventory of available properties for sale surpasses the needs of the number of available buyers. Signs of a buyers market include an increase in the number of days it takes it takes to sell a property, a decrease in the average home price of real estate, and an increase in the overall inventory of available properties.
Kootenay Real Estate President Andrew Smith says “The real estate market in the Kootenay’s are generally in a “buyers market” state with inventories of active listings on the MLS® increasing 71% over active MLS® listings to the end of June 2007. The market situation that is out of sync with a “buyers market” is the total general average price per unit increase of 16%. Some markets are seeing a decline in average price per unit, but generally, values are holding and statistically are increasing in spite of high inventory levels and a decline in MLS® unit sales.”
MLS® Dollar Volume of all sales processed through the Kootenay Real Estate Board Year to Date to the end of June 2008 are sitting at $439,081,617, a decline of 24% over the same reporting period last year.
Kootenay Real Estate Board President Andrew Smith further says: “REALTORS® in the Kootenay’s expected that the real estate markets would slow in 2008 given the records set in 2007. 2008 is shaping up to be the year the markets take a rest from the unprecedented price gains of the last few years and in general, it’s healthy for markets to pause and cycle. The statistics are showing that even with the declines, values are staying strong. That should give consumers confidence we are not experiencing the same type of a decline as the US real estate market and that the value of their real estate is still strong.”
MLS® Unit Sales in June 2008 declined 37% from amounts reported in June 2007. MLS® Sales year to date to the end of June 2008 show a decline of 34% over MLS® sales to the end of June 2007.
The price of the average residential detached house sold on the Multiple Listing Service® in June 2008 rose by 7% to $334,303 compared to June of 2007. Year to Date comparisons to the end of June 2008 saw values increase to $321,419, an average increase of 15% over the same reporting period last year.
Kootenay Real Estate Board MLS® statistics for 2008 year to date show residential detached housing listings up 21% over the same period in 2007 with MLS® unit sales for detached residential housing showing a decline of 37% over amounts reported last year.
Overall, the number of MLS® listings in 2008 year to date to the end of June increased 27% over the same period in 2007, with overall MLS® unit sales down 34% over the same period in 2007.
When asked to comment on what residents of the Kootenays should expect for their real estate markets in for the remainder of 2008 President Andrew Smith had this to say:
“From an MLS® unit sales perspective we are seeing performance at about 2004 levels. The unexpected factor this year so far are the average price per MLS® unit sale increases. Not all ends of the market are seeing increases, but the common trend is that real estate continues to be an appreciating asset.”
KREB MEDIA RELEASE Nelson. BC July 11, 2008
Kootenay Real Estate President Andrew Smith says “The real estate market in the Kootenay’s are generally in a “buyers market” state with inventories of active listings on the MLS® increasing 71% over active MLS® listings to the end of June 2007. The market situation that is out of sync with a “buyers market” is the total general average price per unit increase of 16%. Some markets are seeing a decline in average price per unit, but generally, values are holding and statistically are increasing in spite of high inventory levels and a decline in MLS® unit sales.”
MLS® Dollar Volume of all sales processed through the Kootenay Real Estate Board Year to Date to the end of June 2008 are sitting at $439,081,617, a decline of 24% over the same reporting period last year.
Kootenay Real Estate Board President Andrew Smith further says: “REALTORS® in the Kootenay’s expected that the real estate markets would slow in 2008 given the records set in 2007. 2008 is shaping up to be the year the markets take a rest from the unprecedented price gains of the last few years and in general, it’s healthy for markets to pause and cycle. The statistics are showing that even with the declines, values are staying strong. That should give consumers confidence we are not experiencing the same type of a decline as the US real estate market and that the value of their real estate is still strong.”
MLS® Unit Sales in June 2008 declined 37% from amounts reported in June 2007. MLS® Sales year to date to the end of June 2008 show a decline of 34% over MLS® sales to the end of June 2007.
The price of the average residential detached house sold on the Multiple Listing Service® in June 2008 rose by 7% to $334,303 compared to June of 2007. Year to Date comparisons to the end of June 2008 saw values increase to $321,419, an average increase of 15% over the same reporting period last year.
Kootenay Real Estate Board MLS® statistics for 2008 year to date show residential detached housing listings up 21% over the same period in 2007 with MLS® unit sales for detached residential housing showing a decline of 37% over amounts reported last year.
Overall, the number of MLS® listings in 2008 year to date to the end of June increased 27% over the same period in 2007, with overall MLS® unit sales down 34% over the same period in 2007.
When asked to comment on what residents of the Kootenays should expect for their real estate markets in for the remainder of 2008 President Andrew Smith had this to say:
“From an MLS® unit sales perspective we are seeing performance at about 2004 levels. The unexpected factor this year so far are the average price per MLS® unit sale increases. Not all ends of the market are seeing increases, but the common trend is that real estate continues to be an appreciating asset.”
KREB MEDIA RELEASE Nelson. BC July 11, 2008
Monday, July 21, 2008
New law requires real estate agents to verify ID of clients
New federal laws and regulations dealing with money laundering and anti-terrorist financing that went into effect June 23rd, 2008 will require real estate agents and brokers to collect and verify more personal information from buyers and sellers. Real estate agents must also now track the source of funds received during the course of a real estate transaction, such as the deposit.
These new regulations are part of federal legislation (Bill C-25) passed in 2007 that requires a number of industries, including real estate, to do more to help stop money laundering and terrorist financing. The regulations are enforced by the federal agency known as the Financial Transactions and Reports Analysis Centre of Canada, or FINTRAC.
"Real estate agents have had legal obligations under the federal government's push to prevent criminal activity and terrorism since 2001, when Canada’s first comprehensive laws to combat money laundering and terrorist financing were introduced," says the President of The Canadian Real Estate Association, Calvin Lindberg. He is a REALTOR® in Vancouver.
“In the first phase of compliance, real estate agents were required to report only suspicious transactions, or transactions involving more than $10,000 in cash,” the CREA President explains. “Now, verified personal information must be kept of the buyer and seller for each and every real estate transaction in Canada. That personal information includes details such as occupation.”
Real estate agents are now required to ask for proof of the identity of all buyers or sellers involved in a Canadian real estate transaction. If the client is a corporation, that information must include corporate documentation, and the names of the corporation directors. They must also ascertain if a third party is involved in the transaction.
This also applies if a buyer or seller involved in a transaction is not represented by a real estate agent, but the other individual involved is represented. Those buying or selling privately will be asked by the agent representing the other party involved in the transaction to provide proof of identity as well, and that record must be kept by the real estate agent involved in the transaction.
Also under the new FINTRAC regulations, real estate agents dealing with clients they never meet must also verify personal information. The broker office involved can do this with a service agreement with an agent or mandatary in the area where the client is located. That agent or mandatary must then meet the client, verify the identification of the client, and provide the information to the broker office actually handling the real estate transaction.
“There are buyers, sellers or investors from other countries who rely on expertise here rather than visiting the property themselves,” the CREA President explains. “They must now meet with an official agent of the Canadian broker, and provide proof of identity. This agreement will add to the business costs of the Canadian broker.”
In addition to verification of personal information, real estate agents must also complete a report on the receipt of all funds received during the real estate transaction, not just those of $10,000 or more.
In order to comply with these new federal regulations, real estate agents are required to keep this identification and receipt of funds information on file for five years and provide it to FINTRAC if requested. It is the individual broker office that will be responsible for the safe keeping of the information, and the brokerage that will have to respond to any FINTRAC information request.
There were 559,325 transactions reported through the Multiple Listing Service® operated by local real estate Boards and Associations in 2007.
The Canadian Real Estate Association (CREA) is one of Canada’s largest single industry trade associations, representing more than 96,000 REALTORS® working through more than 90 real estate Boards and Associations. CREA’s primary mission is to represent members at the federal level, and to defend the public’s right to own and enjoy property.
Bob Linney, CREA Communications Director
These new regulations are part of federal legislation (Bill C-25) passed in 2007 that requires a number of industries, including real estate, to do more to help stop money laundering and terrorist financing. The regulations are enforced by the federal agency known as the Financial Transactions and Reports Analysis Centre of Canada, or FINTRAC.
"Real estate agents have had legal obligations under the federal government's push to prevent criminal activity and terrorism since 2001, when Canada’s first comprehensive laws to combat money laundering and terrorist financing were introduced," says the President of The Canadian Real Estate Association, Calvin Lindberg. He is a REALTOR® in Vancouver.
“In the first phase of compliance, real estate agents were required to report only suspicious transactions, or transactions involving more than $10,000 in cash,” the CREA President explains. “Now, verified personal information must be kept of the buyer and seller for each and every real estate transaction in Canada. That personal information includes details such as occupation.”
Real estate agents are now required to ask for proof of the identity of all buyers or sellers involved in a Canadian real estate transaction. If the client is a corporation, that information must include corporate documentation, and the names of the corporation directors. They must also ascertain if a third party is involved in the transaction.
This also applies if a buyer or seller involved in a transaction is not represented by a real estate agent, but the other individual involved is represented. Those buying or selling privately will be asked by the agent representing the other party involved in the transaction to provide proof of identity as well, and that record must be kept by the real estate agent involved in the transaction.
Also under the new FINTRAC regulations, real estate agents dealing with clients they never meet must also verify personal information. The broker office involved can do this with a service agreement with an agent or mandatary in the area where the client is located. That agent or mandatary must then meet the client, verify the identification of the client, and provide the information to the broker office actually handling the real estate transaction.
“There are buyers, sellers or investors from other countries who rely on expertise here rather than visiting the property themselves,” the CREA President explains. “They must now meet with an official agent of the Canadian broker, and provide proof of identity. This agreement will add to the business costs of the Canadian broker.”
In addition to verification of personal information, real estate agents must also complete a report on the receipt of all funds received during the real estate transaction, not just those of $10,000 or more.
In order to comply with these new federal regulations, real estate agents are required to keep this identification and receipt of funds information on file for five years and provide it to FINTRAC if requested. It is the individual broker office that will be responsible for the safe keeping of the information, and the brokerage that will have to respond to any FINTRAC information request.
There were 559,325 transactions reported through the Multiple Listing Service® operated by local real estate Boards and Associations in 2007.
The Canadian Real Estate Association (CREA) is one of Canada’s largest single industry trade associations, representing more than 96,000 REALTORS® working through more than 90 real estate Boards and Associations. CREA’s primary mission is to represent members at the federal level, and to defend the public’s right to own and enjoy property.
Bob Linney, CREA Communications Director
Fewer Sales and Large Inventory Cool Housing Market
British Columbia Real Estate Association (BCREA) reports residential sales dollar volume on the Multiple Listing Service® (MLS®) in BC declined 34 per cent to $3.31 billion in June, compared to June 2007. Residential unit sales fell 36 per cent to 7,133 units during the same period. The average MLS® residential price in the province was $463,458, up 4 per cent from June 2007.
"Weaker consumer confidence and eroded affordability are slowing home sales in the province," said Cameron Muir, BCREA Chief Economist.
Seasonally adjusted MLS® residential unit sales in June were near 2002 levels. During the first half of the year, BC MLS® residential sales were down 22 per cent to 42,907 units, when compared to the same period last year. The average residential price rose 9.6 per cent to $473,536 over the same period.
"The combination of a larger inventory of homes for sale and fewer home sales have tilted most BC markets in favour of homebuyers," added Muir. "This means little upward pressure on home prices in many markets." Victoria was in balanced conditions, while Northern Lights remained a sellers’ market in June. "Despite a dip in home sales, inventories could soon edge lower as home sellers adjust their asking prices to reflect market conditions."
“Copyright British Columbia Real Estate Association. Reprinted with permission.” Vancouver, BC – July 16, 2008
"Weaker consumer confidence and eroded affordability are slowing home sales in the province," said Cameron Muir, BCREA Chief Economist.
Seasonally adjusted MLS® residential unit sales in June were near 2002 levels. During the first half of the year, BC MLS® residential sales were down 22 per cent to 42,907 units, when compared to the same period last year. The average residential price rose 9.6 per cent to $473,536 over the same period.
"The combination of a larger inventory of homes for sale and fewer home sales have tilted most BC markets in favour of homebuyers," added Muir. "This means little upward pressure on home prices in many markets." Victoria was in balanced conditions, while Northern Lights remained a sellers’ market in June. "Despite a dip in home sales, inventories could soon edge lower as home sellers adjust their asking prices to reflect market conditions."
“Copyright British Columbia Real Estate Association. Reprinted with permission.” Vancouver, BC – July 16, 2008
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