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How Much Can You Afford - Part One: Budgeting Your Carrying Costs

Finding the right property at an affordable price can sometimes be a challenge.  When it comes to deciding just how much home you can afford, there are two kinds of expenses you’ll need to consider – the ongoing or ‘carrying’ costs of the home, and your closing costs.

An Offer Isn't Just About Price

Whether you're a home buyer or seller, one of the most exciting, yet stressful parts of the entire real estate process is negotiating an offer. Many of us have spent a fretful few hours, or even a sleepless night, while an endless series of questions filled our minds: Will the price be appealing? Will the offer be accepted? Can we come to terms about conditions? Will the deal go through?

Buy or Rent – What’s right for you?

A key reason many people choose to rent instead of buying their own home is their reluctance to sign their name to a long-term mortgage agreement. But when you come right down to it, very few of us can expect to go through life without paying the cost of a place of residence in one form or another. As a renter, you’ve probably already made a commitment to a fixed schedule of payments for housing – but instead of a mortgage, it’s a lease or rental agreement.

Beware of Under-Priced Listings

In some major Canadian markets, the hot real estate market has given rise to a practice that's intended to stimulate interest in a listing and achieve the highest possible sale price in a short period of time. What is it? It's under-pricing the listing. Intentionally listing properties at well below their market value and then holding off on showings or offers until a specified date can create a ‘bidding war' scenario where multiple buyers eagerly scramble to get in on a ‘great deal'.

2015 World’s Most Ethical Company®

On behalf of Coldwell Banker R.M.R. Real Estate, we are very pleased to announce that our parent company, Realogy Holdings Corp., has once again been recognized a 2015 World's Most Ethical Company®, by the Ethisphere Institute, the global leader in defining and advancing the standards of ethical business practices.

Tips For A Smooth Move

To paraphrase an old real estate saying – the three most important factors for a stress-free move are: planning, planning, and more planning.  Plan your move at least one month in advance.  Set up an expense log, and start lining up your suppliers – movers, storage companies, delivery of new appliances or furniture.  Don’t forget painters, carpet installers and other services working on your new house prior to your move-in date.  

The Vacation That Pays You!

   When most of us do our household budgeting, we often set aside what may be a considerable amount of funds for the family vacation. But did you ever stop to think that there might be a better way to plan for quality family time without laying out a lot of cash that you'll never see again? Why not put the money you'd spend on airfares, hotels and rental cars into building equity instead?

A Welcoming Winter Exterior

Home heating and hydro costs are continuing to spiral upwards, leaving many Canadians looking for more cost efficient and environmentally friendly ways to decorate the exterior of their homes for the winter season. Here are some decorating ideas to add a warm and welcoming touch to your home’s exterior without the expense and hassle of putting up holiday lighting. 

“His and hers” homebuyer tips for couples

For most couples, buying a home is the most significant purchase they will ever make together.  While the prospect of owning a home is an exciting one, it can often seem overwhelming, especially for those who are new to the real estate process.   From selecting a neighbourhood to deciding how to use a spare room, navigating the world of homeownership together requires some extra work. However, couples will be thankful they put in the additional time and effort when the “sold” sign is posted on the home of both of their dreams. 

Are you ready to buy a vacation or investment property?

Canada’s ‘baby boomer’ generation is the most affluent group ever seen in Canada.  The ‘boomers’ have either already inherited, or are poised to inherit, their parents’ wealth.  The result is a transfer of assets and an increase in discretionary income on a scope never before seen in this country.

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