Buying a Home

Homeowner Insurance 101

Homeowner Insurance 101

Not all insurance products are created equal. It is important to understand all the different insurance products to ensure you have proper coverage. Below are the main insurance product options you will encounter with homeownership, and ...

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New Construction Loans: What You Need to Know

New Construction Loans: What You Need to Know

If you’re considering buying a home, you’ve likely thought about how you are going to finance that home. But what if you’re considering building a new home, instead of buying from a seller? Can you go through the mortgage ...

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   What to Know about Second Mortgages

What to Know about Second Mortgages

A second mortgage is a mortgage that is taken out against a property that already has a home loan (mortgage) on it. Generally people take out second mortgages to satisfy short-term cash or liquidity requirements, have an investment ...

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Five Myths First-Time Homebuyers Should Ignore

Five Myths First-Time Homebuyers Should Ignore

From searching for homes to picking up your new keys on closing day, buying a home is an exciting process. Many first-time homebuyers also have the benefit of receiving advice from family members or friends who’ve already gone through the ...

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What to Check on Your Final Walk-Through

What to Check on Your Final Walk-Through

                           The final walk-through on your new home is an exciting event. It means you have successfully maneuvered through negotiations, inspections, and financing ...

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What is Canada’s Mortgage Stress Test

What is Canada’s Mortgage Stress Test

Similar to putting salt in the driveway before a snowy night or drinking a lot of electrolytes before a big game, a stress test is a great way to prepare for anything. Buying a house and settling on a mortgage is one of the biggest decisions of ...

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8 Reasons Why Real Estate is the Best Investment

8 Reasons Why Real Estate is the Best Investment

Real estate has long been considered a solid investment for many reasons. It is a relatively safe and easy way for people to build wealth beginning with a small amount of money. If you are interested in investing in real estate, I’d be happy ...

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Upsize or Downsize: What's Your Best Move?

Upsize or Downsize: What's Your Best Move?

Deciding if it is time for your family to upsize or downsize is not always a clear choice. There are factors to consider that might push you to take the leap or stay put for a while longer. Whether you are thinking about upsizing so your family can ...

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5 Tips for Buying a Luxury Home

5 Tips for Buying a Luxury Home

Luxury homes are generally described as those in the top 10% of their market. Luxury homes are usually located in the most optimal areas in a market, are large in size, and built with high-end materials. Luxury homes often have unique design ...

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Buy or rent a home: Which is better financially?

Buy or rent a home: Which is better financially?

For generations, Canadians have been asking themselves this important question: ‘Is it better to buy a home or rent?’ On the one hand, owning comes with more responsibility and higher monthly expenses, but offers more stability and a ...

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Closed vs Open Variable Rate Mortgage

Closed vs Open Variable Rate Mortgage

With interest rates trending low, Variable Rate Mortgages (VRMs) have shown to be a tremendous money-saving option. And like Fixed Rate Mortgages, VRMs come with open and closed terms. An open VRM allows the borrower to pay off the mortgage at any ...

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Price Dropped-Is it a good deal?

Price Dropped-Is it a good deal?

It sure may look like one, but keep in mind, it's not about, "they came down 10k or even 50k." It's about, "Was the property priced right to begin with?" Some properties hit the market out of sync with the neighbourhood. As few people are interested ...

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Buyer Agreement-Why You Should Want One

Buyer Agreement-Why You Should Want One

Some Buyers might be wary of signing a Buyer Agency Agreement because they are concerned that the relationship might not work out. And they don't want to be stuck with a 'crummy agent.' That's understandable. Having a relationship with a Buyer Agent ...

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Cost planning now, reduces stress later

Cost planning now, reduces stress later

A detailed plan is key when buying your home. Let's get together and go over all the calculations now, so you're prepared at 'deal time.' Mortgage financing is just one component. Here are other expenses to keep in mind. Mortgage Loan Insurance ...

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Buying Your First Home? Know These 5 Things!

Buying Your First Home? Know These 5 Things!

I love working with first-time home buyers. Helping you find your first home, learn the home buying process, and guiding you from house-hunting to move-in day gives me the warm fuzzies. Here are three things you should know before you start looking....

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When is HST Applicable in a Real Estate Transaction

When is HST Applicable in a Real Estate Transaction

Generally, in Ontario, HST is applicable on the purchase of property in four instances: (a) where the property is residential property and is a new construction build or has been substantially renovated (b) where the property is a residential ...

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