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Home buying advice for Calgary, Alberta residents by Justin Havre & Associates.

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Home buying advice for Calgary, Alberta residents by Justin Havre & Associates.

What You Should Know About Trends in Sustainable BuildingEvery country has its own relationship with sustainable technology with some taking more of an interest in it than others. Fortunately, Canada has been at the forefront of setting ever higher goals to cut back on their footprint. In fact, they're constructing more and more buildings that fit their Zero Carbon standard, doing everything in their power to cut down on the emissions of residential and commercial buildings alike. And while not every new construction home may incorporate the following methods, it may only be a matter of time before these trends become the new standards.

Geothermal Heating

Also known as geo-exchange, this technology is a way of siphoning energy for the core of the Earth to keep a home or commercial structure at a…

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A Simple Moving Checklist Week By WeekTake the hassle out of the big day with this simple home moving timeline that will help you get things in order and experience less stress when buying a new home and moving.

Two Months Before Moving

Start looking into truck rental services or movers that offer services between your departure and destination city. Get quotes and ask pertinent questions such as what they will and will not move. Houseplants, pets, light bulbs and toxic chemicals are items movers shy away from. Begin sorting and downsizing household items, taking time to get rid of what you don't need or want anymore.

One Month Before Moving Day

Make arrangements to transfer utility services such as internet, electricity, phone and gas. Additionally, go ahead and fill out…

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How to Save for a Home Down PaymentA home represents a major purchase and requires a lot of planning. The down payment is usually the biggest hurdle that you’ll have to jump in order to become a new home owner. Use these budget tips to help you save the cash you need to purchase your dream house.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

Scale Down Your Daily Expenses

The easiest way to start saving for a down payment is to cut your expenses. Start by cutting out some of the extras. For example, make coffee at home instead of purchasing it from a coffee shop. Another option is to renegotiate your monthly financial obligations. If you have a cable package, for instance, bargain…

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Why Buy a Historic Calgary Home?There are plenty of older homes in the Calgary area that you won't be able to help but fall in love with. While many homes were built during the 1970s and 1980s, there are many homes that were built much earlier that provide the charming character that can only be found in an older home. Here are just a few of the many things that you may love about the older homes versus the newer ones.

Aside from aesthetic and historical purposes, maintaining the character of a house is also important in retaining its real estate value.

As a guide to new homeowners of historical or old houses, these are the basic differences between them and their modern counterparts:

  • In terms  of housing materials – historic houses oftentimes are made of varying…

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What Do Homeowners Need To Know When SellingFor many first time home buyers, your new home affords you a sense of pride and accomplishment. It offers your family a feeling of security and a degree of financial stability. A new home gives you the freedom to define your style and allows you to create the way your living space should look like. One of the best perks is that you don't have to deal with the unpredictability of landlords.

Needless to say, a new home is an excellent investment. Unlike the uncertainty of the volatile stock market, property values generally don't bounce up and down like a yoyo. Also, when the value of your home increases and, unlike the stock market, you don't have to pay back the government for capital gains. Sure, home prices may drop for awhile during a…

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How to Structure Your Mortgage for a Vacation HomeThe mortgages for secondary homes in Canada are different than those of primary homes for a number of reasons. Lenders and the government alike view secondary homes as a luxury good and may not offer the same attractive terms that a primary loan would. There are also different types of secondary homes that will determine the specific terms of the loan. It can help Airdrie homeowners to be armed with information before filling out their first application.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

There Are Two Types of Secondary Homes

Second homes are broken into two major categories: Type A and Type B. Both require the borrower to live in the…

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About Your Credit Score and Your MortgageOne of the things that many home buyers ask themselves before buying a new home in Okotoks, is whether or not their credit score will affect their ability to get a mortgage, and if so, how? The answers to these questions can be complicated. Understanding the details of how a credit score works and how a credit score affects a home buyer's ability to get a mortgage can help a home buyer get a better interest rate and a better house when the time comes to buy.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

How Does Credit Score Affect Ability To Get A Mortgage?

Credit score is one of many factors that lenders take into consideration when a borrower…

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What to Know About Moving to CalgaryIf you're not Canadian, then you probably have no idea how incredibly big our country is. Even if you are Canadian you'll know that we don't measure our car journeys in kilometres but in how many hours it takes to travel from one place to the next. What we're getting at here is that if you've decided to relocate to Calgary, the entire moving process might require just a little more planning than you're used to and especially in terms of the kind of timescale you'll be working with.

How to Plan for a Successful Move

Here's what to know about planning to move to a new city.

Moving Companies in Calgary

You're going to need professional help when moving to a new city, or at least it's a smart choice in our opinion, so the sooner you contact…

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How to Downsize Your HomeThere are a lot of attractive reasons to consider downsizing, particularly for those who may be nearing retirement. There may be fewer repairs, maintenance, and cleaning. There will be less storage space needed and everything from utilities to property taxes may be less expensive.

Downsizing can also be liberating, but only if homeowners plan ahead and are emotionally prepared for the task of eliminating a portion of their belongings from their home. Rule one for downsizing is planning ahead to give enough time to accomplish it without pressure or hassles. Planning for downsizing a year or two in advance of an actual move is not unheard of. Here is how to plan for downsizing.

Set a Date to Finish Downsizing

Set a date to have your…

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Rent vs. Owning: The Dilemma of Home OwnershipSometimes it's hard to weigh the financial pros and cons of major decisions. It can be especially difficult to assess one's readiness to buy a home. It is, after all, a huge commitment, one that requires serious consideration as well as some lifestyle adjustments.

Deciding whether it's the proper time to trade a rent payment for a mortgage is based on a number of variables. Here are some ways to decide if this is the right time to buy and some things to consider as you consider options.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

Employment Stability

While signing an apartment lease for a year hardly seems worth much angst, committing to a 25…

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