The Courtney & Anglin Real Estate Group is here to make your move easier and stress-free.

Are you a member of the military or RCMP relocating to the Comox Valley? Michele Courtney and Bill Anglin are both approved Brookfield Relocation Service Providers and understand the challenges involved with door to door moves.

Having served in the Canadian Air Force for 25 years, Bill is familiar with the DND process, and understands the unique challenges that can occur when the timing of a career relocation doesn't coincide with the best market conditions.

The Courtney & Anglin Team would be delighted to be your relocation and real estate resource here in the Comox Valley.

Welcome to the beautiful Comox Valley!

Conventional Mortgage: This is the most common type of mortgage in Canada. It typically requires a down payment of at least 20% of the purchase price of the home. Conventional mortgages can come with either fixed or variable interest rates, providing flexibility depending on your financial preferences.

High-Ratio Mortgage: If a homebuyer has a down payment of less than 20% of the purchase price, they'll need a high-ratio mortgage. These mortgages require mortgage default insurance to protect the lender if the borrower defaults on the loan. This insurance is usually provided by the Canada Mortgage and Housing Corporation (CMHC) or other private insurers.

Fixed-Rate Mortgage: A fixed-rate mortgage offers stability by locking in the interest rate for the entire term of the loan, making it a reliable option for those buying property in the Comox Valley who prefer consistent monthly payments.

Variable-Rate Mortgage: Variable-rate mortgages have interest rates that can fluctuate with changes in the lender's prime rate. While borrowers may benefit from lower initial rates, their payments could increase if interest rates rise.

Open Mortgage: An open mortgage provides flexibility, allowing borrowers to make additional payments or pay off the entire mortgage before the end of the term without prepayment penalties. This can be advantageous for Comox Valley residents who anticipate changes in their financial situation, though open mortgages often come with higher interest rates.

Closed Mortgage: Closed mortgages have set terms and conditions, including fixed or variable interest rates, and generally have restrictions on prepayment or early termination. While they usually offer lower interest rates compared to open mortgages, there may be penalties for paying off the mortgage early or making extra payments beyond the allowed limit.

Home Equity Line of Credit (HELOC): A HELOC allows homeowners to borrow against the equity in their home, similar to a revolving line of credit. Homeowners can access funds as needed and make interest-only payments on the amount borrowed. HELOCs often come with variable interest rates.

As with any financial decision, it’s essential for homebuyers in the Comox Valley to carefully assess their options and choose the mortgage that best suits their needs and financial situation.

The Comox Valley is an excellent place for eco-friendly living due to its commitment to sustainability, natural beauty, and community-focused initiatives. Here are several ways in which the Comox Valley supports and encourages an eco-friendly lifestyle:

Natural Environment and Conservation Efforts

Protected Lands: The region is home to numerous parks, wildlife reserves, and conservation areas that help preserve its natural beauty and biodiversity. Popular spots like Strathcona Provincial Park and the Seal Bay Nature Park offer opportunities to enjoy nature while supporting conservation.

Local Ecosystems: The Comox Valley’s diverse ecosystems, from coastal areas to forests and mountains, support a range of wildlife and plant species, contributing to a healthy environment.

Renewable Energy Initiatives

Solar Power: Many homes and businesses in the Comox Valley are adopting solar energy systems. The region benefits from ample sunlight, making solar power a viable and effective option.

Community Programs: There are local initiatives and incentives that encourage residents to invest in renewable energy and reduce their carbon footprint.

Sustainable Transportation

Public Transit: The Comox Valley offers bus services that reduce the need for individual car use, contributing to lower emissions and less traffic congestion.

Cycling and Walking: The area is increasingly bike-friendly, with dedicated bike lanes and scenic routes that encourage cycling and walking as alternative modes of transportation.

Local Food and Agriculture

Farmers' Markets: The Comox Valley hosts several farmers' markets, where residents can purchase fresh, locally-grown produce and support sustainable agriculture practices.

Community Gardens: There are numerous community gardens and urban farming initiatives that promote local food production and reduce the carbon footprint associated with transporting food.

Green Building Practices

Sustainable Construction: New developments and renovations in the Comox Valley often incorporate eco-friendly building practices and materials, including energy-efficient systems and sustainable design principles.

Green Certifications: Many properties and buildings in the area aim for green certifications, demonstrating a commitment to environmental responsibility.

Waste Reduction and Recycling

Recycling Programs: The Comox Valley has robust recycling and composting programs that help reduce landfill waste and promote responsible waste management.

Waste Reduction Initiatives: There are various local efforts and educational programs focused on reducing waste, encouraging recycling, and promoting zero-waste lifestyles.

Community Engagement

Environmental Organizations: The region is home to several environmental organizations and community groups dedicated to promoting sustainability and protecting natural resources.

Educational Workshops: There are frequent workshops, events, and programs that educate residents about sustainable living practices and environmental stewardship.

Eco-Tourism Opportunities

Nature-Based Activities: The Comox Valley offers numerous eco-friendly recreational activities, such as hiking, kayaking, and wildlife watching, that allow residents and visitors to connect with nature in a sustainable way.

Overall, the Comox Valley’s emphasis on environmental stewardship, community engagement, and sustainable practices makes it an ideal location for those seeking to live an eco-friendly lifestyle

Moving with pets can be a bit of a challenge, but with some planning and preparation, it can go smoothly. If you’re relocating to Courtenay or the broader Comox Valley area, here are some tips to help make the process easier:

Update Identification Tags: Before you move to your new home in the Comox Valley, make sure your pet’s identification tags are updated with your new address and contact information. If your pet is microchipped, ensure that the information linked to the chip is also current.

Visit the Vet: Schedule a visit to your current vet before your move. Ensure your pet is up to date on vaccinations and obtain copies of their medical records. If you're moving from afar, ask your vet for recommendations for a new vet in Courtenay or the Comox Valley.

Plan for Transportation: Decide how you’ll be transporting your pet to your new home. If you're driving, ensure your pet is comfortable in their carrier or restraint. If you're flying, check with the airline for their specific requirements for pet travel.

Keep a Routine: Try to maintain your pet's routine as much as possible during the moving process. Stick to their regular feeding and walking schedule as best you can to help them adjust.

Pack a Pet Essentials Kit: Pack a bag with your pet's food, water, bowls, medication, toys, and bedding so that you have these essentials easily accessible during the move. Having familiar items on hand can help reduce stress for your pet.

Prepare for Arrival: When you arrive at your new home in the Comox Valley, set up a designated area for your pet with their familiar items. This will help them feel more comfortable in their new environment.

Explore Safely: Once you’ve settled in, gradually introduce your pet to their new surroundings. Explore the area safely and supervise your pet closely to ensure they don’t get into any trouble.

Update Pet Information: After you move, don’t forget to update your pet’s information with your new address and contact details. This includes updating their tags, microchip information, and registering with a new vet.

By following these tips and taking the time to properly prepare, you can help ensure a smooth transition for both you and your pet during the moving process to the Comox Valley

The Courtney & Anglin Real Estate Group provides invaluable assistance to seniors looking to sell their home in several ways. Michele trained for and achieved the designation of Seniors Real Estate Specialist. We understand the emotional aspects of selling a long-time home, especially in a close-knit community like the Comox Valley, we offer support and empathy to make the transition as smooth and stress-free as possible.

1. Understanding Local Needs: As Comox Valley Realtors we take the time to understand your unique needs and circumstances, including any specific requirements related to local amenities, health services, or community preferences.

2. Local Market Analysis: We provide a detailed market analysis for the Comox Valley area, determining the best price for your home based on local market conditions and comparable properties in the region.

3. Home Preparation: We can recommend local services for home improvements or staging, including reliable contractors, cleaners, and landscapers familiar with the Comox Valley area.

4. Legal and Financial Guidance: The Courtney & Anglin Real Estate Group will help navigate the legal and financial aspects of selling a home in the Comox Valley, including understanding any local tax implications and assisting with any estate planning needs.

5. Regional Marketing: We will handle the marketing of your property within the Comox Valley, utilizing local networks, community events, and targeted advertising to attract potential buyers in the region.

6. Negotiation Expertise: With a deep understanding of the Comox Valley real estate market, we will negotiate on your behalf to secure the best possible price and terms for your home.

7. Coordination with Local Professionals: We can coordinate with Comox Valley-based professionals such as appraisers, home inspectors, and moving services, ensuring that all aspects of the sale are managed smoothly.

8. Support and Communication: Offering clear communication and ongoing support throughout the selling process, we will address any concerns and keep you informed about every step of the transaction.

9. Downsizing Assistance: We can provide referrals to local downsizing services in the Comox Valley, including organizing, moving, and finding new housing options that cater to your needs and preferences.

Come celebrate Comox Nautical Days’ 66th Anniversary in Marina Park!

Many of your perennial favourites are returning; the BC Day Parade along with the Comox Nautical Days Vintage Car Show. There are rides, games and crafts for the kids and the Rotary Splash Park and Playground is sure to be a big hit.

While at the Festival take time to shop the more than 100+ craft booths and quench your appetite at the fabulous food trucks. Those who are “of an age” can enjoy a frosty beverage at the VI Society for Adaptive Snow Sports Bistro Garden. Nautical Days would not be Nautical Days without the Quality Foods Festival of Lights Fireworks Extravaganza on Monday night.

There’s truly something for everyone at the 2024 Comox Nautical Days “Free Festival of Family Fun”.

During a real estate transaction, several professionals might be involved to ensure everything goes smoothly. We have many local contacts in the Comox Valley that we are happy to recommend such as:

• Real Estate Lawyer/Notary: Handles legal aspects, including contract review, title searches, and closing documents.

• Mortgage Broker/Lender: Assists with securing financing and guiding you through mortgage options.

• Home Inspector: Evaluates the condition of the property to identify any issues before purchase.

• Appraiser: Determines the property's market value, often required by lenders to finalize a mortgage.

• Contractor: Might be needed for repair estimates or renovation advice if you're buying a fixer-upper.

• Insurance Agent: Assists with property insurance to protect against potential risks and damages.

There also many trades we have used in the past if you require any improvements to your home. The Comox Valley has you covered! Contact us for more information.

Summer in the Comox Valley offers endless opportunities for kids to have a blast while learning and exploring new activities. Here are some ideas:

1. Outdoor Adventures: Take advantage of the valley's natural beauty with activities like hiking the local trails, swimming in nearby lakes or the ocean, biking along scenic routes, and camping under the stars.

2. Arts and Crafts: Set up a creative corner at home where kids can unleash their imagination with painting, drawing, and crafting inspired by the valley's stunning landscapes.

3. Reading and Learning: Foster a love for reading with trips to the Comox Valley Public Library or starting a family book club to dive into stories that spark their curiosity.

4. Local Summer Camps: Discover diverse local camps offering sports, arts, and science activities, providing opportunities for kids to make friends and explore new interests.

5. Exploring Nature through Travel: Plan day trips around the Comox Valley or nearby Vancouver Island destinations to immerse kids in nature and learn about local history and ecosystems.

6. Community Involvement: Engage in volunteer work together, whether it's helping out at a local animal shelter, participating in environmental clean-ups, or supporting community events.

7. Cooking Adventures: Experiment in the kitchen with locally grown produce from farmers' markets, teaching kids about healthy eating and culinary creativity.

8. Music and Movement: Enroll in music lessons or dance classes offered in the valley to explore new rhythms and movements that ignite their passion for performing arts.

9. Gardening: Start a small garden at home or visit community gardens to teach children about plants, sustainability, and caring for the environment.

By exploring these activities tailored to the unique beauty and culture of the Comox Valley, kids can have a summer filled with fun, learning, and memorable experiences.