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Mortgages by Teja

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Mortgages by Teja

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12/05/2022

First Monday of the last month of the year…let’s make this week count!

12/04/2022

With all the shopping, dinners and holiday parties, December can be one huge whirlwind. Take some time to do some relaxing, prep & getting into the Christmas spirit! 🎄

11/28/2022

Today, I'm sharing 5 ways rising interest rates are leading to a shift in the housing market. 📈 The market is transitioning from the red-hot market we're used to, but there is still plenty of opportunity to succeed. Call or message if you're interested in discussing your next real estate move and let’s get you pre-approved.

11/27/2022

Refresh (v.) to give new strength or energy to; reinvigorate. “Renovate” feels like the cooler big sister, but often, all a space needs is a little refresh — fresh paint, new furniture arrangement, deep decluttering, different light fixtures, or seasonal throw pillows. “Don’t do nothing because you can’t do everything. Do something!” So, how would you finish this sentence? A room in my house that needs a refresh is...

11/26/2022

Santa Claus 🎅🏼 came to town last Sunday and even though we were freezing it was a blast! It was so great to get back to this tradition that we had missed for a few years. If you attended, what was your favourite float?

11/25/2022

Ouch! Impaled your foot on a piece of LEGO again? It seems it’s ingrained in a kid’s DNA to always leave an obstacle course of tripping hazards. The good news? There are excellent options for storing stray toys. The even better news? Certain storage options stylishly blend into your home environment, freeing your place from looking like you’re running a daycare.

1. Whether in an attic playroom or a kid’s bedroom, adding hidden storage just makes sense, but why not have fun with it and make it a DIY project by choosing a paint colour your child loves
2. A well thought out reno pays off in the long run. Redoing a living room? Consider deep built-in cabinets and try clear bins to keep things organized and uniform
3. If you have the room a basement playroom is a great solution. Try adding wall units with bins for additional storage that is both functional and budget-friendly.
4. A multipurpose stool/ottoman for storage and sitting is ideal in spaces like a living room. Need more storage? Clump a few ottomans in a corner and pull out when needed, or add a tray to the tops to be used to entertaining
5. Open storage can look seriously disorganized, however when you colour-code books and add baskets with tags it can keep things looking organized. For open storage, try using opaque bins for visual harmony
6. This set-up can fit in nicely on an open wall space and is an easy DIY with shelves, a hanging bar and some metal stools.
7. The littles in your life can store their things into each compartment and you can enjoy the furniture! You can also decorate around it like you would any other piece of furniture with splashy artwork or a mix of plants

What organizing tip do you use for your playroom? Need more space or want to renovate a playroom? Reach out and let’s dicuss your options to get you there!

11/24/2022

Is a new home on your Christmas list this year?! Santa asked me to help you get pre approved! Let’s get started 🎄

11/23/2022

Closing on your home is an exciting process, ultimately ending in you getting the keys to your new home! But it can also sometimes feel like going to Costco, you go in for a handful of items and end up leaving with a bill of $500 (If this is not you, share your secret!) ...but anyway back to closing costs. You have your large fees like land transfer tax, legal fees, etc., but there are also the smaller fees that many people forget about, but that can add up, like utility setup, moving costs, renovation fees, etc.

Whether you are buying or selling your home, it’s important to take these costs into account so there are no surprises on closing day. As a buyer, closing costs can range from 1.5%- 4% of the property purchase price.

Now that you have a better understanding of the types of closing costs you can expect to see when you’re getting ready to close on your home, you can begin to prepare and set the necessary funds aside.

So what are you waiting for?! Let’s get you pre-approved!

11/18/2022

We know that your pets are family and are a factor in every facet of life, even the home buying process.

We consulted with our in-house expert on all things dog .the.airedale on what the top items are on his home buying checklist

Here they are:
1. A Big Backyard: A yard big enough for me to run and get my zoomies out is the most important factor for pups like me! 🏞
2. Large Windows: I need some sun and some good lookout points to make sure no squirrels or birds are stepping on my territory 🐦🐿
3. Pet-Friendly Neighbourhood: Out on our daily walks I want some excitement! Dog parks, other 4-legged friends and maybe a pet store to grab a quick treat 🐕
4. A Mudroom: Nothing says a good day like a muddy dog, so maybe a mudroom where I can clean my paws...or if I have to hop into a doggy bath...that way I can hop onto the couch for a relaxing night in with my favourite people 🚿
5. A Home Office: I’ve gotten used to this working from home life, so a home office is necessary so I can help you on your meetings...I am helpful right? 👩🏽‍💻

What do you think the most dog-friendly feature in your home is? Anything our expert missed?
Oh! And if your looking for an activity where your pup could join this weekend, head to the Toronto Pet Show at the International Centre Nov 19-20 🐾

11/17/2022

Fixed-Rate Mortgage

For this type of mortgage, the interest rate will remain the same until the mortgage comes up for renewal. The predictable payments mean there are no monthly surprises. However, there are high penalties if you want to break the mortgage before the end of the term, and you could miss out if interest rates lower.

Curious if a fixed rate mortgage is for you? Give me a call to discuss!

11/16/2022

Does selling or buying during the holidays sound worse than getting a lump of coal from Santa? 🎅🏼

You may be surprised to hear there may be some positives on both ends of buying or selling during the holidays!

Read on for some home selling tips and reasons to sell, along with some reasons to buy & a tip sheet on how to stay on the nice list with your realtor and mortgage agent!

Now let’s get you the home of your dreams for the holidays!

11/15/2022

Just because rates are on the rise, does not mean you should be panicking! Want to know why, read these 5 tips!
Have more questions? Give me a call and let’s get a plan in place and calm your nerves.

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