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IMPORTANT ANNOUNCEMENT FROM THE MORTGAGE PROFESSIONALS
Mortgage rules have changed. Again. What does this mean for you? The changes, which take effect January 1st, 2018 and have several impacts to you as a borrower: The average Kingston household will qualify for a $55,000 smaller mortgage. This represents a DECREASE of 15% in your borrowing power – no matter what you do or […]
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Get Expert Advice To Find The Right Mortgage For You
Whether you’re a first-time homebuyer or you own a home and are thinking about moving, buying a new home is a major decision. From personal to financial to market considerations, you’ll need to weigh a lot of factors and information along the way. Bringing you expert, independent advice As a mortgage broker in Kingston ON, […]
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Loans, Mortgage Advice, Mortgages, Real Estate
5 Tips for First-Time Homebuyers
Did you know that the majority of first-time homebuyers are Millennials? That’s right; Canadians born between 1980 and 1995 now represent a full 77 per cent of first-time homebuyers. If you fit the mold, then get a leg up on the competition as we enter the year’s hottest real estate month. Here are our five […]
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Loans, Mortgage Advice, Mortgages, Real Estate
10 Ways To Make Your Home More Energy-Efficient
1) Conduct an energy audit If you’re serious about improving your home’s energy conservation, start with an energy audit by an NRCancertified energy advisor — you can search for an advisor in your area at www.nrcan.gc.ca. You’ll get a list of recommended upgrades to help you plan, and you may qualify to receive up to […]
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Loans, Mortgage Advice, Mortgages, Real Estate
10 Tips For A Greener Home
1) Go green, underfoot If you’re thinking of installing a hardwood floor, consider reclaimed materials or look for new wood products that are certified by the Forest Stewardship Council (FSC) Canada. You could also use more readily renewable materials such as cork, bamboo, or carpets made from natural fibres. 2) Lower your water flow Target […]
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Loans, Mortgage Advice, Mortgages, Real Estate
10 Closing Costs When Buying A Home
1) Land transfer tax When a home changes hands, many provinces and a few municipalities charge a property transfer tax or title transfer fee. Rates are usually on a scale of 0.5% to 2% of the home’s value and can add thousands to your purchase price. First-time homebuyers qualify for rebates or exemptions in some […]
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Loans, Mortgage Advice, Mortgages, Real Estate
10 Things To Know About Your New Neighbourhood
1) What are the neighbours like? Take time to get a feel for the locals and how you might fit in. Does the area attract empty nesters and retirees, for example, or is it characterized by young families? A real estate professional can help inform you about demographic trends. 2) Does it fit your lifestyle? […]
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Loans, Mortgage Advice, Mortgages, Real Estate
Applying For A Mortgage Loan
When you apply for a mortgage loan, the mortgage planner will ask you to complete a loan application. The application shows information about the type of mortgage loan you’re applying for, as well as your personal financial situation. To fill out the application, you (and the co-borrower, if you have one) need to give the […]
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Loans, Mortgage Advice, Mortgages, Real Estate
10 Common Costs of Owning a Home
1) Property tax Many of the services you’ll enjoy in your new neighbourhood, from parks and recreation facilities to road maintenance and schools, are funded in part by municipal property taxes. Rates vary widely, from region to region and home to home. Annual taxes can top several thousand dollars in urban centres, so some homeowners […]
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