Charmaine HarrisSpecializing in Pender Island Properties
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 Coastal Life Realty Ltd 2603 Reef Road Pender Island, BC Canada V0N 2M2
| Welcome to my website! I am a Real Estate Agent and Licensed Property Manager who works and lives on Pender Island. Pender Island is within the Southern Gulf Islands part way between Vancouver and Victoria BC (British Columbia), Canada. I would love to help you find that perfect property and home to buy or rent. I will help you to connect to our little piece of paradise!
Thursday, March 11, 2010 First Time Buyer?First Time Buyer?
Wondering where you should start?
To see the flyer sent out click here
PERSONAL ASSESSMENT
Look at your current situation. Are you paying rent now? Are you employed and earning an income? Yes to both these questions is the first step.
FINANCING
The next step would be to find someone who can help assess your current financial situation. You need to understand the boundaries of your financing. An import factor in borrowing money is the rate of interest you will pay. One of the functions of a Mortgage Broker is to shop around for the best interest rate for you.
Sometimes we have a credit history that follows us and puts us at a disadvantage but no worries a good Mortgage Broker can help you address those and iron out the kinks until you are ready to make a purchase. For that reason you should contact someone about your financing as a first priority.
Another advantage to having a Mortgage Assessment in advance is that part of their service... Monday, March 8, 2010 First Time Buyers - Mortgage InfoCategories:Gulf Islands Real Estate,Pender Island Buying a house on the Gulf Islands may be easier than you think.
Get started with Ron Demmers, your Gulf Island Mortgage Broker. With a purchase price of $225,000, a down payment of 5% ( $ 11,250 ), your mortgage payment with a 5 year fixed rate of 3.89% and based on an amortization period of 35 years, would be $958. With property taxes estimated at $100 per month, your monthly payment is only $1058. In order to qualify for this payment you will need an income of $36,000 per year. If you are buying with a friend or spouse, that is only $18,000 each. Based on $10 per hour 40 hours a week, 48 weeks a year you make $19,200. So it is truly possible!! ( other condition may apply ) How do you get started? Knowing how much you can afford is a very important part of your home buying decision. An experienced mortgage broker can quickly help you find out how much you can borrow. In many cases, you will want to borrow less than you actually qualify for. Start by deciding... Monday, March 8, 2010 Do you still have snow in March?Categories:GI Pender Island,Gulf Islands Does your first week in March look like this?
 or does it look like this?
 Both these photos were taken in the first week of March, one in Alberta (snow) and one taken on Pender Island. Starting in February we have flowers blooming. The daffodils are out, some tulips, this beautiful Camellia bush. Pender Island enjoys a mild climate all year round. We rarely have snow and if we do it only lasts a day or maybe if really cold a week but this is fairly unusual. It most cases if it snows it melts the same day or does not stick at all. Protected in a rain shadow we receive about a third of the rain as Vancouver. You can grow all kinds of fruit trees - apples, pears, plums, peaches, kiwis, grapes etc. A week ago I enjoyed watching a group of threes swans along with some ducks and a Heron in Hope Bay. On Valentine's Day my daughter went swimming in the ocean with a wet suit.  Thursday, March 4, 2010 I have sold a property at 36111 Galleon WAY in PENDER ISLANDCategories:GI Pender Island, Gulf Islands Real Estate 
I have sold a property at 36111 Galleon WAY in PENDER ISLAND.
Discover Lakefront Serenity. This 3 bedroom home on Buck Lake can compliment full time island living or be that special place for R&R. Privacy with sunny SW exposure. Enjoy the expanded kitchen with large skylight and lake view. The Master bedroom located on the main floor boasts a private lake view sitting room. An above ground basement with windows and private entrance makes a handy workshop or ideal studio space, complete with a small bathroom. Since 2004 this house has been given a new roof, new windows, new flooring and new decking. This property is located in Magic Lakes Estates where there are plenty of walking trails, disc golf, tennis courts and discounted moorage for home owners. Its time to jump off the dock and into the lake!
Monday, February 22, 2010 New property listed in GI Pender Island, Gulf IslandsCategories:GI Pender Island, Gulf Islands Real Estate 
I have listed a new property at GI Pender Island, Gulf Islands.
One acre of sun soaked oceanfront in the beautiful Southern Gulf Islands. Tranquil setting with vast panoramic ocean views. Take a seaplane, ferry or sail to Pender Island and leave the world behind you. Dine with friends, visit local Artisans or spend Saturday mornings at the Farmer?s market. You will have to share with local residents though ? whales, eagles, sea otters, seals and deer. You?ll wake up on top of the world in this spacious master bedroom suite with private deck, sitting area and full ensuite bath. Ocean view decks on every level of this home as well as a cliffside hot tub privately tucked away. For your convenience there is a full 1 bedroom +den ocean view in-law suite or nanny suite with private entrance at garden level.
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