Financial and Legal Information

Realtors are your guide through the buying or selling process, however there are other professionals required to help complete your transaction, lawyers, notaries and mortgage professionals are important resources.

The following pages provide some background information on the types of ownership, information on strata ownership, which is unique, and some of the more common mortgage terms.

The Home Ownership page covers:

  • What you actually own (you might be surprised).
  • Types of ownership (Freehold, Strata, Coop, etc.).
  • Types of shared ownership (more than one owner).
  • What the title and charges on the title are.

The Strata Ownership page goes into more detail and looks at the types of strata homes and the structure of stratas. In BC we call condos strata.

The Mortgage Terms page defines some of the more common mortgage terms.

Looking over Comox marina, across the bay with the glacier in the background.

The Comox Marina, Comox Bay and the ever-present Comox Glacier illustrate why the Comox Valley is such a popular place to live.


Gerry provided an extremely high level of service.  His hard work and insight during the entire process of purchasing and building our house in Cumberland were invaluable, doing research and advising us on what questions needed asking.  It was an involved and evolving process of viewing properties in the Comox Valley before deciding on the house and lot.  During construction, he communicated frequently with the builder's realtors, keeping track of adjustments and documenting changes.  It was a long road and I have great respect for his integrity and work ethic.  We cannot thank you enough, Gerry.  Kindest regards, Gustaf and Jana.  See Client Feedback for more client comments.

     About Gerry                                         Service and Integrity Above All

Information and Interpretation
Selling or buying real estate is a major financial endeavour with many factors to consider. While you have a wealth of information available to you on the internet, interpreting that information is another matter.

This is where I come in. Not only do I research and provide you the information you need, I take it to the next level and analyze and interpret that  information for you. I will tell you what I think, what we do is up to you.


As a client, your Realtor works for you, and this is a principle I hold dear.  I see my job as providing you with information, interpretation, services and guidance, not to push you on a course of action.

Unparalleled Service
I have a simple code, I don't sell, I service. I assume my clients are perfectly able to make their own decision once they have the information they need. I spend my time providing information, guiding people through the process, and making sure all the bases are covered, not in high pressure sales.

Over the years I have received very complementary feedback from clients. See Client Feedback.

Integrity
Integrity, simply defined, is being honest and fair. This is further enhanced by one of a Realtor's prime duties, which is not to put anyone's interest above their clients, including their own.  This a duty I take very seriously. My personal outlook after over 30 years in business, is that whenever I experience high pressure sales I start to question the integrity of the person selling me.  Are they looking after my best interest or theirs?

The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. The trademarks REALTOR®, REALTORS® Realtor and the REALTOR® logo are controlled by CREA and identify real estate professionals who are members of CREA.

Blue illustration of Gerry Chwelos, Realtor, Pemberton Holmes.

Gerry Chwelos, REALTOR®

PEMBERTON HOLMES LTD.

Tel: 250-8975465

All images on this website are copyright protected. Most photos provided by Boomer Jerritt.

Copyright © Gerry Chwelos 2017