One of the most common questions that I get asked is why someone would choose to work with a mortgage broker when considering home financing options. The main ones I refer to are a wider array of choice and the fact that we represent our clients best interest rather than that of the lending institution. We work specifically for you and you get access to our lending network which can include dozens of options. Below you’ll find ten great reasons to use a mortgage broker.Continue reading →
When buying a home, your costs will be more than just a down payment when it comes to completion, and its important to budget accordingly so to not be caught off guard and potentially feeling a little strapped for cash. Some of these costs can be built into/added onto your mortgage, and some cannot.
This blog will go over the most common closing costs that you’ll deal with so to help you prepare and budget ahead of time.Continue reading →
Your home likely has a special place in your heart, but its important to understand that not all buyers are going to see it in the same light as you do. Its possible to that you might be wearing some rose coloured glasses when evaluating your home and its potential short comings, so when your REALTOR makes suggestions of these following things, try not to take it personal… We see stuff like this all the time and our suggestions come with the mindset of helping you achieve your best outcome!Continue reading →
1: Never Be Afraid To Ask Your Realtor A Question
As the saying goes, “There is no such thing as a dumb question”. There is probably going to be a lot of new terms that you’ve never heard of or used before (ex: Subject removal, completion, adjustments, deposit), make sure these topics are explained to you. If you feel unsure about something, never been too afraid to ask a question. Our job is to help guide you through the process from start to finish providing professional advice, and the last thing we would ever want is to having you feeling in the dark at any point. Stay informed and ask as much as you can. It makes the process much more comfortable for you as a buyer, and allows REALTORs to understand your areas of concern and stress and make sure that they are addressed.Continue reading →
What is Property Transfer Tax?
The Property Transfer Tax (PTT) is a land registration tax paid by the buyer of the property when your purchase is registered at the Land Title and Survey Authority. This tax is to be paid by the buyer of the home when you are getting title of the home transferred into your name (the completion date).Continue reading →
The markets starting to see some changes, and unlike some of the recent years, multiple offers are harder to come by, and the amount of price reductions on homes for sale is on the rise. When asked about why a home hasn’t sold it can usually be summed up to a couple of different reasons: The home has not been marketed properly, the home doesn’t show well, and (most importantly) the home was overpriced. Selling your home is a big decision and its important when taking steps to sell your home, that you go about it the right way. With that, here’s a list 5 of wrong reasons to hire the wrong agent!Continue reading →