I would like to take this opportunity to welcome you to the gorgeous "North Shore" of New Brunswick! I am proud to call this region my home!
I am Angela Boyle, I have been a realtor since 1994. I was born and raised in Ontario, moved to Bathurst, NB in the late 1980’s. I graduated from Mount Allison University in 1993 and took up real estate the following year.
I have always been very successful in my business. I take great pride in providing my clients superior service and support they can count on when buying and selling in the Bathurst region. I am grateful for the support of my community and give back in any way I can.
I would love to help you whether you are looking to buy, sell or relocate to our area! I can offer wonderful resources and contacts to help make your move as easy as possible.
Call me for support you can count on! (506)544-6379
Angela Boyle, selling Bathurst one home at a time!
Helping you is what I do!
Falling in love with a house you can’t afford can be heartbreaking. Avoid disappointment by figuring out your budget before you start looking.
- First, decide how much you can afford for your down payment. The Home Buyers Plan lets you withdraw up to $20K per person (or up to $40K per couple) from your RRSPs – tax-free – to be repaid over 15 years. The bigger your down payment, the less principal you will owe, and the less interest you will pay.
- Don’t forget about closing costs, like insurance, legal fees, home inspection costs, land registration and land transfer fees. Add those to your moving expenses and service hookup fees, and they can add up surprisingly fast.
- Your monthly housing expenses (mortgage, taxes, heat, etc.) shouldn’t use up more than 32% of your income. (If your combined monthly income is $5000, for example, 32% of that is $1600.) If you have car payments or credit card debt, the rule of thumb is that debt repayment shouldn’t be more than 40% of your income.
- Get pre-approved for your mortgage. It’s a good way of finding out how much you can borrow – and it speeds up the process once you’ve found the home you want to buy.
You’ve found the perfect place – now it’s time to make an offer. An offer to purchase includes the purchase price you’re offering, chattels to be included in the purchase (like appliances or light fixtures), the amount of the deposit, the closing date and any other conditions.
Your REALTOR® will help you prepare your offer, and will present it to the vendor, who will either accept it or make a counter offer (which asks for a higher price or different terms). You can accept or reject the counter offer. If everyone agrees, the home is yours. If not, you can make another offer, or you may have to keep looking.