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Separation, Divorce, Mortgage and House; Ottawa

Separation, Divorce, Mortgage and House; Ottawa

Disclaimer: The information provided here does not hold any legal binding or as legal advice, for legal advice please use a professional lawyer who would be able to advice on legal proceedings. Divorce and separations Divorces and separations are quite stressful and are emotional times in ones life. Dealing with finances and mortgage adds another…

How to find best schools in Ottawa

How to find best schools in Ottawa

How to find best schools in Ottawa In Ottawa all schools have a location boundary where they serve their children/student that live within that boundary. Most elementary schools require a proof of residency within the boundary it serves (e.g utilities bills, rental agreement etc). The priority of the school is to serve the students within…

Do it Yourself Radon Gas Detection in Ottawa

Do it Yourself Radon Gas Detection in Ottawa

Here is our personal experience of testing Radon gas at home: What is Radon Gas ? Radon gas is a radioactive gas that is odorless, colorless and tasteless. It is formed naturally during the breakdown of uranium in soil or rocks. How Does it Affect me ? Radon gas is the second leading cause of…

Purchasing a House or Condo in Ottawa

Purchasing a House or Condo in Ottawa

House and Condo in Ottawa Here are some common steps you need to take when you are considering to purchase a house/condo in Ottawa. 1. Determine your needs What type and style of house you are looking for…Condo, bungalow, single, split, semi, townhouse, investment, recreational, etc? Think about your future needs also, large or smaller…

How to Sell Your House in the Ottawa Market?

How to Sell Your House in the Ottawa Market?

Selling in Ottawa Market? Here are some real life tips of getting your house ready for the Ottawa market: Making it Ready 1. Get the house ready by fixing anything that requires repair so that it is functional and can be used properly. Example of quick fixes would include broken/cracked tile, dry wall with marks and dents…

Cold at Home? How About Insulating Your Attic to Save on Your Heating Bill…

Cold at Home? How About Insulating Your Attic to Save on Your Heating Bill…

There is a draft whenever you go upstairs or you feel it in your bedroom. You might look into replacing your windows and think it will save you your energy bill and make the home warmer. Good energy efficient windows do stop the draft, and if they are properly sealed/caulked around, but as you know…

Our Personal Experience on Renovations of Houses-Thrifty saves money…

Our Personal Experience on Renovations of Houses-Thrifty saves money…

When it comes to renovations, the biggest fear is going over your budget… Here are 10 first hand tips from our personal experiences on how to save and be frugal on your renovations: 1. Declutter your house. Sell things on kijiji and similar places Before any renovation task that you want to do in kitchen…

A Mortgage that Helps with Renovations?

A Mortgage that Helps with Renovations?

The house that you like is nearly perfect, except that perhaps it needs a little TLC; new bathroom, kitchen or basement finished. But you only have 5% down payment and not the extra to do the renovations. What can you do and what are your options? Did you know that the Purchase Plus Improvement Plan…

CMHC Increase Mortgage Insurance Premiums

CMHC Increase Mortgage Insurance Premiums

The cost of mortgage default insurance is about to go up for most consumers, effective May 1st, 2014  CMHC Purchase (owner occupied 1 – 4 unit) mortgage insurance premiums will increase by approximately 15%, on average, for all loan-to-value ranges. The change does not impact existing homeowners and is expected to raise up to $175-million…

What is CMHC, buying a second home, minimum down payment?

What is CMHC, buying a second home, minimum down payment?

What is CMHC? Canadian Mortgage and Housing Corporations Mortgage loan insurance is typically required by lenders when home buyers make a down payment of less than 20% of the purchase price. Mortgage loan insurance helps protect lenders against mortgage default, and enables consumers to purchase homes with a minimum down payment of 5% — with…

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