February News and Rate Advisor!

Welcome to the February issue of the News & Rate Advisor. Current Discount Mortgage Rates Feb 2015 Variable Rate 2.30% 1 Year 2.79% 2 Year 2.39% 3 Year 2.54% 4 Year 2.64% 5 Year 2.79% 7 Year 3.79% 10 Year 3.84% Prime Rate 2.85% * Rates subject to change and OAC. Canadian Qualifying Rate Feb 2015 Rate 4.79% Source: Bank of Canada Current Posted Mortgage Rates Feb 2015 Feb 2014 Feb 2013 1 Year 3.14% 3.14% 3.00% 3 Year 3.80% 3.75% 3.65% 5 Year 4.79% 5.24% 5.24% Source: Bank of Canada Nationwide Building Permits Dec 2014 Dec 2013 Dec 2012 Residential $4,381,330,000 $3,643,632,000 $3,269,058,000 Commercial $2,725,642,000 $2,793,178,000 $2,477,670,000 Total $7,106,972,000 $6,436,810,000 $5,746,728,000 Source: Stats Canada - preliminary figures Current Bank of Canada Rate & Prime Rates Feb 2015 Feb 2014 Feb 2013 Bank Rate 1.00% 1.25% 1.25% Prime Rate 2.85% 3.00% 3.00% Source: Bank of Canada Average House Prices by City Dec 2014 Dec 2013 Dec 2012 Yellowknife $302,100 $444,817 $466,333 Vancouver $819,384 $785,574 $683,875 Victoria $498,716 $477,792 $485,945 Edmonton $359,479 $347,103 $329,410 Calgary $452,968 $439,389 $419,811 Saskatoon $340,608 $328,407 $324,597 Regina $302,969 $291,755 $317,581 Toronto $556,602 $520,398 $478,739 Hamilton-Burlington $387,922 $371,037 $336,382 Ottawa-Carleton $349,479 $341,793 $336,856 Quebec City $265,819 $261,123 $258,313 Montreal $340,489 $320,693 $330,665 Fredericton $156,604 $153,743 $173,655 Saint John $175,840 $190,728 $145,445 Halifax-Dartmouth $270,945 $269,797 $269,098 Winnipeg $271,489 $298,338 $257,719 Source: CREA - Most Recent Month Reported Average House Prices by Province Dec 2014 Dec 2013 Dec 2012 National $405,233 $390,034 $352,787 Yukon $285,447 $361,867 $240,357 Northwest Territories $302,100 $444,817 $466,333 British Columbia $585,718 $568,419 $498,205 Alberta $390,528 $380,477 $363,340 Saskatchewan $291,524 $278,764 $284,346 Manitoba $263,072 $286,571 $249,852 Ontario $417,767 $395,698 $368,718 Quebec $273,291 $264,690 $274,125 New Brunswick $155,078 $160,867 $150,875 Prince Edward Island $169,877 $149,021 $164,775 Nova Scotia $207,429 $208,555 $204,858 Newfoundland $273,769 $289,279 $288,541 Source: CREA - Most Recent Month Reported

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January News and Rate Advisor!

Welcome to the January (TEST) issue of the News & Rate Advisor. Current Discount Mortgage Rates Jan 2015 Variable Rate 2.45% 1 Year 2.89% 2 Year 2.59% 3 Year 2.69% 4 Year 2.89% 5 Year 2.99% 7 Year 3.79% 10 Year 4.39% Prime Rate 3.00% * Rates subject to change and OAC. Canadian Qualifying Rate Jan 2015 Rate 4.79% Source: Bank of Canada Current Posted Mortgage Rates Jan 2015 Jan 2014 Jan 2013 1 Year 3.14% 3.14% 3.00% 3 Year 3.44% 3.75% 3.65% 5 Year 4.79% 5.24% 5.24% Source: Bank of Canada Nationwide Building Permits Nov 2014 Nov 2013 Nov 2012 Residential $4,356,903,000 $4,081,721,000 $3,763,739,000 Commercial $2,227,710,000 $2,679,245,000 $2,692,478,000 Total $6,584,613,000 $6,760,966,000 $6,456,217,000 Source: Stats Canada - preliminary figures Current Bank of Canada Rate & Prime Rates Jan 2015 Jan 2014 Jan 2013 Bank Rate 1.25% 1.25% 1.25% Prime Rate 3.00% 3.00% 3.00% Source: Bank of Canada Average House Prices by City Nov 2014 Nov 2013 Nov 2012 Yellowknife $205,500 $341,343 $392,904 Vancouver $801,450 $774,932 $682,215 Victoria $466,453 $454,703 $491,326 Edmonton $381,371 $339,703 $331,526 Calgary $462,031 $445,114 $413,921 Saskatoon $346,015 $334,440 $330,125 Regina $298,290 $306,631 $309,219 Toronto $577,936 $538,881 $485,328 Hamilton-Burlington $398,590 $368,947 $369,201 Ottawa-Carleton $358,196 $359,082 $350,211 Quebec City $265,825 $261,123 $260,783 Montreal $345,032 $320,693 $333,324 Fredericton $146,242 $159,892 $175,122 Saint John $191,082 $170,126 $168,623 Halifax-Dartmouth $266,362 $267,717 $266,740 Winnipeg $266,945 $261,832 $263,786 Source: CREA - Most Recent Month Reported Average House Prices by Province Nov 2014 Nov 2013 Nov 2012 National $413,649 $391,085 $356,687 Yukon $242,694 $353,498 $306,590 Northwest Territories $205,500 $341,343 $392,904 British Columbia $574,694 $557,586 $480,891 Alberta $407,071 $385,217 $365,999 Saskatchewan $295,487 $290,859 $277,487 Manitoba $261,180 $255,636 $253,995 Ontario $433,561 $408,251 $376,806 Quebec $279,014 $264,690 $275,656 New Brunswick $160,766 $156,787 $157,488 Prince Edward Island $180,487 $151,363 $146,646 Nova Scotia $206,251 $209,997 $208,681 Newfoundland $273,177 $282,123 $274,485 Source: CREA - Most Recent Month Reported

"Always Striving to be your Trusted Mortgage Advisor!"

December News and Rate Advisor

Welcome to the December issue of the News & Rate Advisor. Current Discount Mortgage Rates Dec 2014 Variable Rate 2.45% 1 Year 2.89% 2 Year 2.49% 3 Year 2.69% 4 Year 2.77% 5 Year 2.99% 7 Year 3.79% 10 Year 4.39% Prime Rate 3.00% * Rates subject to change and OAC. Canadian Qualifying Rate Dec 2014 Rate 4.79% Source: Bank of Canada Current Posted Mortgage Rates Dec 2014 Dec 2013 Dec 2012 1 Year 3.14% 3.14% 3.00% 3 Year 3.44% 3.95% 3.70% 5 Year 4.79% 5.34% 5.24% Source: Bank of Canada Nationwide Building Permits Oct 2014 Oct 2013 Oct 2012 Residential $4,461,260,000 $4,430,635,000 $4,045,056,000 Commercial $3,072,666,000 $2,806,537,000 $3,506,847,000 Total $7,533,926,000 $7,237,172,000 $7,551,903,000 Source: Stats Canada - preliminary figures Current Bank of Canada Rate & Prime Rates Dec 2014 Dec 2013 Dec 2012 Bank Rate 1.25% 1.25% 1.25% Prime Rate 3.00% 3.00% 3.00% Source: Bank of Canada Average House Prices by City Oct 2014 Oct 2013 Oct 2012 Yellowknife $405,332 $402,000 $356,025 Vancouver $819,336 $775,542 $736,732 Victoria $505,859 $473,820 $464,360 Edmonton $365,520 $332,461 $327,880 Calgary $465,047 $436,216 $418,721 Saskatoon $349,322 $331,750 $327,182 Regina $331,161 $316,810 $297,688 Toronto $587,505 $539,058 $503,479 Hamilton-Burlington $420,565 $384,534 $367,490 Ottawa-Carleton $357,887 $363,240 $347,581 Quebec City $258,406 $263,803 $259,607 Montreal $344,273 $333,610 $330,777 Fredericton $169,063 $175,968 $170,098 Saint John $158,041 $153,697 $163,963 Halifax-Dartmouth $264,447 $265,339 $262,061 Winnipeg $270,605 $271,946 $259,433 Source: CREA - Most Recent Month Reported Average House Prices by Province Oct 2014 Oct 2013 Oct 2012 National $419,699 $391,820 $361,436 Yukon $275,750 $352,932 $312,920 Northwest Territories $405,332 $402,000 $356,025 British Columbia $575,504 $540,432 $508,292 Alberta $400,027 $377,084 $363,295 Saskatchewan $306,812 $289,890 $275,308 Manitoba $263,159 $264,148 $248,058 Ontario $445,109 $413,408 $383,475 Quebec $277,677 $273,436 $274,229 New Brunswick $153,312 $155,414 $157,173 Prince Edward Island $174,871 $154,576 $150,135 Nova Scotia $202,749 $203,144 $207,439 Newfoundland $266,346 $272,267 $272,639 Source: CREA - Most Recent Month Reported

"Always Striving to be your Trusted Mortgage Advisor!"