Tips of the day
The BestRateGuys.com Offers Many Flexible Financing Options
Fri, 18th February, 2011 - Posted by - Please comment!
Not everyone’s financial situation is the same, that’s why The BestRateGuys.com works with many lenders across Canada and CMHC to provide many different financing options. Hereunder is a list of options available and the guidelines that the lender and CMHC look for when underwriting the mortgage.
Purchase Enables homebuyers to purchase a home with a minimum down payment of 5 per cent. Apply now.
Portability
Allows borrowers to port the CMHC Mortgage Loan Insurance from an existing home to a new home and in some cases save money by reducing or eliminating the premium on the financing of the new home. Apply now.
Refinance
Allows borrowers to refinance their mortgage and use the money for any purpose other than default management. Apply now.
Improvement
Offers greater choice to borrowers who are building new homes or who want to undertake small or large scale improvements to existing homes. Apply now.
Line of Credit
Provides borrowers with more flexible repayment options than traditional mortgages. Apply now.
Self-Employed
Allows self-employed borrowers, with or without traditional forms of income verification, to realize their dreams of homeownership. Apply now.
Newcomer
Provides newcomers to Canada, with permanent or non-permanent residence status, access,to CMHC mortgage loan insurance products through Approved Lenders. Apply now.
Green Home
Provides mortgage loan insurance for the purchase of an energy-efficient home or to make energy-efficient improvements to an existing home. Borrowers may be eligible for extended amortization without a premium surcharge and a 10 per cent mortgage insurance premium refund. Apply now.
Second Home
Gives borrowers with high ratio financing a chance to buy or refinance a second home using any CMHC homeowner product, without additional underwriting restrictions or premiums. Apply now.
Income Property
Provides investors with more housing finance choice when buying or refinancing a 1 – 4 unit rental property. Apply now.
It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.
The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer. Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox.
Check Us Out on Social Networking Sites
Or Click to Call Us
Sincerest Regards,
Paul Smith
Mortgage Agent
VERICO Designer Mortgages
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Energy-Efficient Housing Made More Affordable with Mortgage Loan Insurance
Thu, 10th February, 2011 - Posted by - Please comment!
Energy-Efficient Housing Made More Affordable with Mortgage Loan Insurance
More than 17 percent of the energy consumed in Canada is used to run our homes. Buying an energy-efficient home or making energy-saving renovations can offer big savings. A 10% CMHC mortgage loan insurance premium refund and extended amortization period without surcharge may be available when you use CMHC insured financing to purchase an energy-efficient home or make energy-saving renovations.
Mortgage Loan Insurance
For most people, the hardest part of buying a home — especially a first home — is saving the necessary down payment. To help, CMHC offers lenders Mortgage Loan Insurance, which allows you to buy a house with a minimum down payment of 5%. Offered through most financial institutions, this simple solution has enabled millions of Canadians to realize the dream of homeownership.
CMHC made dreams of homeownership easier to obtain by allowing qualified home buyers to use additional sources of funds for down payments such as a loan or lenders’ cash back incentives.
Help the Planet, Help Your Wallet
CMHC has added environmentally friendly features to the Mortgage Loan Insurance it offers. If you use CMHC insured financing to buy an energy-efficient home, purchase a house and make energy-saving renovations or renovate your existing home to make it more energy-efficient, a 10% refund on the Mortgage Loan Insurance premium may be available. You could also have the added flexibility of an extended amortization (up to a maximum of 35 years) without a premium surcharge.
The Government of Canada actively promotes energy conservation and initiatives to reduce greenhouse gas emissions that contribute to climate change.
How It Works
If You’re Thinking of Buying or Building an Energy-Efficient Home.
If You Own a Home and are Thinking of Renovating to Make your Home More Energy-Efficient.
If You’re Thinking of Buying or Building an Energy-Efficient Home
Step 1: Find out how energy-efficient your house is
If the home you’re considering buying meets one of the following four (4) requirements, you could be eligible for a 10% mortgage loan insurance premium refund and extended amortization without surcharge when you use CMHC insured financing to purchase that house or condominium unit.
- The house is an energy-efficient R-2000 model.
- The house has been assessed by a Natural Resources Canada (NRCan) qualified energy advisor and it has an energy efficiency rating of 80* or above.
- It was or will be built under a CMHC-eligible energy-efficient building program.
- The building in which the condominium unit you’re buying is 25% more energy efficient, than if constructed to meet the requirements of the Model National Energy Code for Buildings (MNECB).
The house’s energy efficiency rating can be obtained by:
- having an energy assessment completed by an NRCan qualified energy advisor;
- obtaining an R-2000 certificate or CMHC declaration from your R-2000 certified builder;
- obtaining a CMHC declaration from your builder that is a member of a CMHC-eligible energy-efficient building program;
- or for condominium units, a letter from Natural Resources Canada (NRCan) or the project engineer for condominium units must be obtained.
If you are planning on building a new home and your builder is not R-2000 certified or a member of a CMHC eligible energy-efficient building program, you should have an energy advisor evaluate the building plans before the house is built. This can help you ensure that you will meet CMHC’s requirements once the construction of the home is complete and it is evaluated.
Step 2: If required, boost your energy efficiency
If the house you plan to buy has an energy rating below 80*, to be eligible for a refund, you will need to obtain an energy assessment through an NRCan qualified energy advisor and renovate using part of the CMHC insured funds based on your energy advisor’s list of recommendations in order to increase your score by at least 5 points and to a minimum overall rating of 40.
Step 3: Discuss and arrange a CMHC-insured mortgage
Talk to your lender and ask for a CMHC insured mortgage.
Step 4: Confirm the improvement
After you make the renovations recommended by your energy advisor, you will need to have a second assessment done to determine the energy-saving effectiveness of the renovations. To be eligible for the 10% premium refund, the second rating must show that the house has achieved an increase of 5 points to a minimum overall rating of 40.
Step 5: Apply for your Premium Refund
- Apply online for your premium refund.OR
- Complete the PDF version of the application form and send it to CMHC, along with the supporting documentation by fax at 1-800- 245-9274, or by mail at 700 Montreal Road, Suite 1000, Ottawa, Ontario, K1A 0P7. NOTE: You can choose to complete the PDF form electronically or by hand. In both cases, you will have to print it and sign it.
* Depending on the closing date of your purchase, the NRCan Energy-Efficiency Rating required differs:
| For purchases with a closing date… | NRCan Energy-Efficiency Rating Required |
| On or after April 1st, 2010 | 80 |
| Between July 27th, 2005 and March 31st, 2010 | 77 |
| Between November 18th, 2004 and July 26th, 2005 | 80 |
If You Own a Home and are Thinking of Renovating to Make your Home More Energy-Efficient
Step 1: Obtain an energy rating for your home
If you plan to use CMHC insured financing to make energy-saving renovations, a refund equivalent to 10% of your CMHC mortgage loan insurance premium may be available, as well as a full refund of any premium surcharge paid to extend the amortization of your mortgage loan beyond 25 years. To qualify for this refund, you must carry out the steps described below within a reasonable time after funding of the CMHC insured loan. Normally, the time period between the date of funding (purchase with improvements or refinance) and the date of the post-retrofit assessment should not exceed 24 months.
Contact an NRCan qualified energy advisor to obtain the current energy rating for your home. You will receive a list of straightforward recommendations to increase your energy rating.
Step 2: Discuss CMHC insured refinancing
Talk to your lender or your financial institution about which options are available to you.
Step 3: Improve your rating
Using your energy advisor’s recommendations, renovate or upgrade to increase your energy rating using CMHC insured funds. You’ll be amazed at the difference a more efficient furnace, better insulation or simple draft-proofing can make. Not only will you be reducing greenhouse gas emissions, but you’ll also see welcome reductions in your monthly utility expenses.
Step 4: Confirm the improvement
Your energy advisor will assess your home again after the energy-saving renovations are finished. If this test shows that the house’s energy rating has improved by at least 5 points and has achieved an overall rating of at least 40, the 10% premium refund may be available.
Step 5: Apply for your Premium Refund
- Apply online for your premium refund.OR
- Complete the PDF version of the application form and send it to CMHC, along with the supporting documentation by fax at 1-800- 245-9274, or by mail at 700 Montreal Road, Suite 1000, Ottawa, Ontario, K1A 0P7. NOTE: You can choose to complete the PDF form electronically or by hand. In both cases, you will have to print it and sign it.
How to obtain an energy assessment
NRCan has developed an energy assessment and labelling system to help homeowners make energy-saving choices when buying a home or renovating. For a fee, an NRCan qualified energy advisor will evaluate the house to determine its energy efficiency rating on a scale of 0 – 100.
For more information, including information on the Government of Canada’s ecoEnergy initiatives, please visit the NRCan web Site.
Source: CMHC website
It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.
The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer. Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox.
Check Us Out on Social Networking Sites
Or Click to Call Us
Sincerest Regards,
Paul Smith
Mortgage Agent
VERICO Designer Mortgages
FSCO Licence M09000027
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Mortgage Agent vs. The Bank - Why Use a Mortgage Agent?
Fri, 17th December, 2010 - Posted by - Please comment!
Ever thought about having your very own personal shopper? That is kind of like using a Mortgage Agent to arrange your mortgage. We will shop around at more than 50 lenders to find you the lowest possible mortgage rate in terms of your situation. The bank is limited to their own products and services. As an Agent I can use different lenders to find the perfect solution for you, we have no limits. I also work for you, not the bank. It is my job to look out for your best interests, not the banks. At the end of the day I don’t get paid until I find you a solution that you are pleased with. That being said, I don’t get paid by you, the lender that I find for you will pay me for bringing them your business. That means there is no extra expense in using a Mortgage Agent. You will get top notch service, the best mortgage rates and the perfect mortgage solution based on your needs. So why not choose me to arrange your mortgage, I’m confident you will be pleased with the results. To find out more about mortgages contact us toll-free @ 1-866-728-3033. We are standing by to answer all of your questions. You can also apply online very quickly and securely. Get the most out of your money, use The BestRateGuys.com team to arrange your mortgage.
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Applying for Credit?
Tue, 16th March, 2010 - Posted by - Please comment!
When you are applying for any type of credit, weather it’s a mortgage, a loan, line of credit or even to rent a property, your credit report will be reviewed by a person from the institution where you are applying. It is never a bad idea to obtain a copy of your credit report to see what information they have about your payment history. This will help you to identify if there are any problem areas and give you a chance to fix them. Also, should there be any information that is not accurate on the report you will have the chance to dispute it. You can obtain a copy of your credit report from Equifax’s website. If you want to learn more about your credit contact The BestRateGuys.com team today @ 1-866-978-9768. We can help prepare you for home ownership. The first step to improving or establishing your credit is to get a secured credit card. You can get your secured card from Home Trust for as little down as $1000.00. To learn more about this credit card simply fill in an application to get things started.
Have we got you interested in getting your first home? Apply now online. It is quick and secure. We will walk you through step by step in arranging your first home.
We guarantee to find you the lowest possible mortgage rate in terms of your situation. If we can’t at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer.
Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox. Call us toll free @ 1-866-RATE-033.
Check Us Out on Social Networking Sites
Or Click to Call Us
Sincerest Regards,
Paul Smith
Mortgage Agent
VERICO Designer Mortgages
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Taking Care of Your Home
Thu, 4th March, 2010 - Posted by - Please comment!
Well you have now made the biggest investment in your life by buying your first home. That being said, be sure to take good care of it all year around. Ongoing maintenance of your home will ensure that problems don’t escalate. There are several major things that should be paid close attention to: You roof has got to be the most important thing to ensure is properly maintained. Also your furnace, a well maintained furnace could save you hundreds of dollars in gas bills over the course of a year. If you don’t already have a high efficiency furnace, perhaps you should consider installing one. For instance, a mid efficiency furnace runs at about 80% efficiency. That means for every $100 that you send on your heating bill $80 goes towards heating your house and the other $20 goes right out the chimney. Think about it, burning your money right up the chimney. Looking at a high efficient furnace is the best option for a lot of people, especially if you have a larger home. Overall you may have your own ideas of things that you want to work on, and as we all know the costs to complete these tasks can get out of hand. Have you considered a home equity loan? You can also do a refinance to get extra money from the bank just from the equity that you have earned by being in your home. To see how much you are eligible for complete a simple and secure application from our website. So if you’re thinking about a new roof, furnace or any sort of renovation contact us toll free @ 1-866-978-9768 and we can discuss your mortgage needs.
We guarantee to find you the lowest possible mortgage rate in terms of your situation. If we can’t at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer.
Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox. Call us toll free @ 1-866-RATE-033.
Check Us Out on Social Networking Sites
Or Click to Call Us
Sincerest Regards,
Paul Smith
Mortgage Agent
VERICO Designer Mortgages
FSCO Licence M09000027
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Find and Flip!
Tue, 15th September, 2009 - Posted by - Please comment!
Flipping houses is a hot topic these days. Here are 10 tips to help you find the perfect flip from HGTV’s The Big Flip renovator’s John Stassen and Randy Mackay.
1. Find properties that are diamonds in the rough - homes that are rundown in comparison to those around them - as these often have a low list price.
2. Are the surrounding properties well maintained? This can add value and clinch a sale when your house goes back on the market.
3. Scrutinize previous renovations. Poor quality workmanship can mean you have paid a premium for finishes that you will have to repair or replace yourself.
4. Can you add bathrooms, storage or enlarge a small kitchen to meet the needs of today’s average family? If you can’t, walk away, as these features often make or break a sale.
5. Ensure you do a thorough home inspection before purchasing properties - this could save thousands of dollars in the long run.
6. Identify your potential buyers (i.e. young professionals or families) and design the house with their needs in mind.
7. Find a real estate agent who understands the market. There are thousands of real estate agents; get one who is experienced and understands the business of flipping houses!
8. Do your research and find areas that are up and coming. Neighborhoods that are in the early stages of being gentrified often contain homes that offer large returns on their investment.
9. Be realistic with your budget and always leave room for hidden costs. Early budget optimism can mean cost cutting later on, which means sacrificing quality - and profits - in the final sale.
10. Keep your eye out for properties with good layouts that can be easily updated with new paint and trim. You may get lucky and find a home that’s a good price and only needs finishing touches, adding tens of thousands of dollars with minimal investment.
Source: (Article by John Stassen and Randy Mackay / www.hgtv.ca)
for more information regarding this exciting investment and the type of mortgage that will best fit this type of venture, contact us today!
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September means home renovation time!
Wed, 2nd September, 2009 - Posted by - Please comment!
With the onset of September some homeowners maybe thinking that they have missed the boat on potential home renovations.
This is not the case!
September is an excellent time to consider doing some home renovations. As with most homeowners you may be looking to renovate you home to create a more comfortable living space.
September is a terrific time to plan for the winter Reno’s. Perhaps a new kitchen is on the calendar, renovating that old bathroom, or renovating your basement into a games or tv room. With the worry of the colder weather just around the corner, these indoor activities are a good way to do something productive while staying out of the cold. Plus you are doing something good for you home, investing in it’s overall value!
Although the weather in Ontario hasn’t taken a turn for the worst, now is the time for you to start to plan financially how to make these dreams reality. Once you have secured the money to do these projects, you can then plan these projects around your actual budget, and get a clearer idea of the supplies and planning needed, in accordance with how much you have allotted to spend.
If you would like to know more about he possibilities of home equity take out, or 2nd mortgage solutions, contact us today!
It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.
The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer. Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox.
Check Us Out on Social Networking Sites
Or Click to Call Us
Sincerest Regards,
Paul Smith
Mortgage Agent
VERICO Designer Mortgages
FSCO Licence M09000027
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What is the advantage of the BestRateGuys.com team??
Mon, 31st August, 2009 - Posted by - Please comment!
In our previous article we wrote about what a mortgage agent can do for you, we spoke about the role of a mortgage agent vs. The Bank.
However with literally 100’s of mortgage agents in the Ontario marketplace we feel its necessary now to let you know what BestRateGuys.com can do for you.
The role of a mortgage agent is quite typical, we all do pretty much the same core activities:
- First time homebuyer mortgage financing
- 2nd mortgage financing /equity take out
- Renewals or switched mortgage financing
- Mortgage protection insurance
How ever it is the quality of service that sets us apart form the others, after all you just don’t want anyone handling your financial affairs.
At BestRateguys.com it is our continuing mandate to ensure our clients are satisfied with our service. We follow one basic principal:
” if your not satisfied, we are not satisfied”.
In a business where reputation is everything, we relay on our clients past and present, to feel good about our services and pass along their experience With others, that’s how we achieve nearly 90% of our new clientele.
Our commitment to excellent includes:
- Understanding any obstacles you have - after all we are all human, sometimes obstacles are an inevitable part of life.
- Educating you on the mortgage process - not everyone knows the ins and outs of mortgage financing.
- Being patient - this is a big decision, we know that! Take your time, we are hear to help when you are ready.
- Answer all questions- no question is too big or too small, ask away… we love to answer questions!
- Creating confidence - we will only recommend you for a mortgage if we feel confident in you! if mortgage financing is right for you, feed off of our confidence.
- Confidentiality - All you information is secure with us, as is the entire process. We are bound by ethics and the Financial commission of Ontario to protect your information!
- Not aggressive - if you do not qualify for a mortgage, or want sometime to think about it, we understand. We will not push you into anything you are not 100% sure on.
Besides all these wonderful attributes, we also pride ourselves on “constant contact” even after you mortgage financing is approved and closed. From time to time we will let you know about
Rate changes in the market place and possible ways to save money, after all you have better things to do then watch out for market changes. And of course, we are always here to answer any questions that may come to mind… 1,2, 3 years down the road.
After all, the BestRateGuys.com team is constantly keeping up to date on market changes and we are educated not only academically but also with experience.
In addition we offer other programs that other Agents may not.
- We have access to over 52 lenders and several private lenders. - so we actually “shop around” for the best mortgage rate, and don’t just settle.
- Our best rate guarantee - check it out!
- Secured Visa - our secured visa program makes it easy for you to obtain a credit card, even when the bank says no.
- Monthly promotions that could be beneficial to you.
- Exclusive lender relationships - over the past while we have developed a terrific relationship with some of our lenders, in tern , they have offered us some exclusive rates, for our clientele base.
These are only a few points of what BestRateGuys.com has to offer you. When you use BestRateGuys.com you using your best choice in the mortgage market!
To learn more about our service, contact us today!
It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.
The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer. Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox.
Check Us Out on Social Networking Sites
Or Click to Call Us
Sincerest Regards,
Paul Smith
Mortgage Agent
VERICO Designer Mortgages
FSCO Licence M09000027
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Air conditioning care after the summer
Wed, 26th August, 2009 - Posted by - Please comment!
Much like most Ontarians you probably have some type of Central Air Unit in your home, or at the vary least have a portable window air conditioner which is humming away through the hot days of August.
What do you do with it when the weather no longer requires you to operate one? Most home owners simply switch it off and are done with it until next season. However here are some basic tips to help protect your unit :
If you have a Central Air conditioning unit, be sure to switch off the unit at the thermostat when you no longer need it. Then make the extra effort to go outside and cover your unit. If you don’t already have one, Air Conditioner covers for central air units can be purchased at most hardware stores, for a reasonable price ( be sure to measure your unit first). Putting a cover over your central air unit while the winters furry approaches ,will ensure your unit stays free when it is no longer in operation from such things as: the leaves of fall - they go through the grates of your outside unit and can clog the operation next summer. heavy snow fall and Ice - although this seems innocent enough, heavy snow and Ice can build up on the fan blades of the unit and eventually can cause damage. With a central air conditioner cover, you can use this durable cover year after year to ensure your central air conditioning unit is working when you desperately need to switch it on next season.
If you have a portable window air conditioner, be sure to remove it from the window when you no longer need it.
Some people are just to lazy to move it back into storage, however unless it is properly sealed (even then), will cause the cold winds of winter to leak through and cost you money on your heating bills. Not only that, but melting snow can cause damage to the unit itself, as well as possible leaks from your window frame.
If you would like to know tips around the house or ways to better protect your investment from a financial point of view, contact us today!
It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.
The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer. Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox.
Check Us Out on Social Networking Sites
Or Click to Call Us
Sincerest Regards,
Paul Smith
Mortgage Agent
VERICO Designer Mortgages
FSCO Licence M09000027
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Spending control – the early stages.
Tue, 25th August, 2009 - Posted by - Please comment!
When you buy your first house, this is a really exciting time…. most people who are leaving apartment life, to go into their new house are often faced with the exciting reality of needing to buy furniture and appliances. Although some houses already come pre paired with appliances, some don’t. Sometimes the furnishings from a 1 bedroom apartment seem inadequate to furnish a entire house.
Start slow- Although BestRateGuys.com will go over a proactive budgeting plan for you, prior to moving into your home…which sets out an approximate budget of how much you will need to spend on utilities, the mortgage, your lifestyle debts and the basic necessities; don’t be so edger to burn through your extra money.
We suggest you start off with the basics. Get a feeling of exactly how much your utilities, mortgage and upkeep will cost each month for at least the first 3-4 months before going on your home shopping spree. This will protect your wallet if you should come across house related bill that you weren’t expecting. Balancing your new home and your credit debt together will ensure you are a successful home owner.
Lack of furniture? Here are a few simple ways to fill your house will some low cost ideas.
- Go to the second hand store - often these stores have a furniture section with some quality stuff that others give away for various reasons. Most of which is offered with an extremely low price tag. Remember this is just a starters solution - when your ready you can buy new stuff - and toss the old stuff.
- Throw a house warming party! A prefect way to show off your house to your friends, you may even get a few gifts.
- Major Appliances. I need of some appliances? You can always go to a local used appliance store to get the basics, if your house doesn’t already come equip with them. Besides that look for deals in the paper. Often stores will negotiate package deals with customers who are looking to buy a few items at a time. Don’t be afraid to haggle with them, they will most likely offer a deal, or price match from another stores flyer or internet add.
Remember, as in all situations in life, budgeting is key. After you move into your new home, wait a bit before planning a vacation. Use your vacation time the first year of homeownership to enjoy your new home. a week or two’s vacation from work can give you the much needed time to get better acquainted with your home. you can use this time to paint, plant a garden, do some yard work or throw a dinner party or BBQ for your friends and family. This will allow you not to over extend your wallet in your first year and will give you the much needed uninterrupted time to enjoy your new purchase.
At BestRateGuys.com it is our objective to ensure that you become a successful homeowner. Budgeting in your first year of ownership will give you the foundation of what you need to spend vs. The free money you have to “play” with. Take it from a former first time homebuyer who went from a one bedroom apartment into a 3 bedroom house. Although some rooms stayed empty for the first three months, most of my then furniture came from a second hand store - and what a terrific deal! 7 years later most of my “used furniture” has been replaced with new stuff, but I still keep a few pieces around as a memory of my first year in my home.
In conclusion, take your time - its not a race. At BestRateGuys.com we will go over a comprehensive budgeting plan to offer you advice on your future obligations to your home based of off your current income vs. Liabilities and together with you, we can formulate a plan to assist you in understanding what type of spending range you are left over with. This is only one of the many services we offer free of charge to better equip you for home ownership.
If you would like to learn more about our products and services contact us today!
It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.
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Paul Smith
Mortgage Agent
VERICO Designer Mortgages
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