Thursday, December 31, 2009
Homebuyer’s hints
Homebuyer’s hints:
The pre-purchase inspection
When looking for a home, think about getting a pre-purchase inspection of the property you intend to buy. A home inspection is a visual examination of the property to determine the overall condition of the home. The inspector should be checking all major components (roofs, ceilings, walls, floors, foundations, crawl spaces, attics, retaining walls, etc.) and systems (electrical, heating, plumbing, drainage, exterior weather proofing, etc.).
The pre-purchase inspection
When looking for a home, think about getting a pre-purchase inspection of the property you intend to buy. A home inspection is a visual examination of the property to determine the overall condition of the home. The inspector should be checking all major components (roofs, ceilings, walls, floors, foundations, crawl spaces, attics, retaining walls, etc.) and systems (electrical, heating, plumbing, drainage, exterior weather proofing, etc.).
How much paint do you need?
First, calculate your wall area by multiplying
the height of each wall by its width, without subtracting for doors and windows. Then, add up the figures for the walls, plus an extra 10 percent for touch ups. Double this total if you plan on two coats. You will need one standard 3.7 litre pail for 42 square metres, or one gallon for 450 square feet.
the height of each wall by its width, without subtracting for doors and windows. Then, add up the figures for the walls, plus an extra 10 percent for touch ups. Double this total if you plan on two coats. You will need one standard 3.7 litre pail for 42 square metres, or one gallon for 450 square feet.
Moving into a new home?
Moving into a new home? Painting a room or two can be
a simple way to personalize your living space, and is a great project to do when colder weather keeps us indoors.
BANISH “BUILDER’S BEIGE” AND BORING WHITE - For new homes, brighten things up with colours chosen by you, not the contractor who built your home. Hallways and stairs are best painted with lighter colours. Main living areas and bedrooms look good with medium shades. Smaller areas such as bathrooms can look great with a bolder, richer splash of colour. Aim for a flow of colours from room to room.
ADD PUNCH WITH AN ACCENT WALL - For rooms already painted in a light shade, you can choose one wall and paint it with a richer colour to put some spark in the room. Shades with a touch of black or brown in them can add a depth which anchors the accent wall.
A BOLDER APPROACH: COLOUR BLOCKING - Painting blocks of different colours on a wall, usually in simple geometric shapes or a wide stripe, can give an empty space
a contemporary look. Curves and circles help create a fun space, while rectangles
impart a more serious, ordered look.
FINALLY, REMEMBER THE ACCESSORIES - At the same time as your painting project, introduce other colours through accessories, pillows, bedding or throw rugs. This is an inexpensive way to complete your room’s new look.
a simple way to personalize your living space, and is a great project to do when colder weather keeps us indoors.
BANISH “BUILDER’S BEIGE” AND BORING WHITE - For new homes, brighten things up with colours chosen by you, not the contractor who built your home. Hallways and stairs are best painted with lighter colours. Main living areas and bedrooms look good with medium shades. Smaller areas such as bathrooms can look great with a bolder, richer splash of colour. Aim for a flow of colours from room to room.
ADD PUNCH WITH AN ACCENT WALL - For rooms already painted in a light shade, you can choose one wall and paint it with a richer colour to put some spark in the room. Shades with a touch of black or brown in them can add a depth which anchors the accent wall.
A BOLDER APPROACH: COLOUR BLOCKING - Painting blocks of different colours on a wall, usually in simple geometric shapes or a wide stripe, can give an empty space
a contemporary look. Curves and circles help create a fun space, while rectangles
impart a more serious, ordered look.
FINALLY, REMEMBER THE ACCESSORIES - At the same time as your painting project, introduce other colours through accessories, pillows, bedding or throw rugs. This is an inexpensive way to complete your room’s new look.
Why should you use a mortgage broker?
The Mortgage Agent's Role
Working with you, we will take the time to understand your mortgage needs and help you make better mortgage decisions for you home, revenue or vacation property or specialized mortgage requirements. Our advice initially and on an ongoing basis can have a huge financial impact over the long term
Negotiating strength with over 50 lenders
With access to over 50 bank, trust, life insurance companies and other lenders, not to mention our exclusive imortgages™, you'll benefit from significant choice plus our proven ability to effectively negotiate
Trust and Security
Your mortgage, in most cases will come from a brand-name bank, trust or insurance company and, with Mortgage Intelligence as the largest mortgage brokerage firm in Canada, and a GMAC Company, therein lies even more security. You can rest assured that your interest are protected
Independence and Objectivity
We work are as an independent, accredited professional through Mortgage Intelligence. We will objectively negotiate on your behalf
Experience and Credentials
With experience and an in-depth knowledge of a myriad of lending institutions and their products, we guarantee you the highest standards and level of professionalism as approved by the Canadian Association of Accredited Mortgage Professionals (CAAMP)
A Focused Specialist
We are responsible for arranging mortgage - and nothing else. You can trust us with every aspect of your mortgage financing needs
Accountability
As an independent broker, we are accountable only to you. If you choose not to accept the recommendations or the products discussed, you are under no obligation to place your mortgage through us. Now you can't get more accountable than that!
Great Rates...and More
We all know you want the best rate. Of course, there is much more to great mortgage value, like terms, conditions, and annual principal pay downs for example - and we will certainly pay attention to all those equally important details for you when negotiating a mortgage on your behalf. Essentially, we will bring you a top-notch network of lenders and products, so you get the best rate and product for your unique situation.
No Cost to you
This has often been and area of confusion for first-time homebuyers/clients. Our services really do come at no cost to you!* Paid entirely by the lending institution that your mortgage is secured with, we receive a fee from the lender
Personal Service
In most cases, our business has been built on referrals by satisfied clients. After all, every good business grows from exceptional, and sincere, customer service.
You First Choice, not the last choice
Everyone seeking a mortgage can benefit from the better mortgage decisions that come with the experience, objectivity, convenience and service that we can deliver.
The Mortgage Agent's Role
Working with you, we will take the time to understand your mortgage needs and help you make better mortgage decisions for you home, revenue or vacation property or specialized mortgage requirements. Our advice initially and on an ongoing basis can have a huge financial impact over the long term
Negotiating strength with over 50 lenders
With access to over 50 bank, trust, life insurance companies and other lenders, not to mention our exclusive imortgages™, you'll benefit from significant choice plus our proven ability to effectively negotiate
Trust and Security
Your mortgage, in most cases will come from a brand-name bank, trust or insurance company and, with Mortgage Intelligence as the largest mortgage brokerage firm in Canada, and a GMAC Company, therein lies even more security. You can rest assured that your interest are protected
Independence and Objectivity
We work are as an independent, accredited professional through Mortgage Intelligence. We will objectively negotiate on your behalf
Experience and Credentials
With experience and an in-depth knowledge of a myriad of lending institutions and their products, we guarantee you the highest standards and level of professionalism as approved by the Canadian Association of Accredited Mortgage Professionals (CAAMP)
A Focused Specialist
We are responsible for arranging mortgage - and nothing else. You can trust us with every aspect of your mortgage financing needs
Accountability
As an independent broker, we are accountable only to you. If you choose not to accept the recommendations or the products discussed, you are under no obligation to place your mortgage through us. Now you can't get more accountable than that!
Great Rates...and More
We all know you want the best rate. Of course, there is much more to great mortgage value, like terms, conditions, and annual principal pay downs for example - and we will certainly pay attention to all those equally important details for you when negotiating a mortgage on your behalf. Essentially, we will bring you a top-notch network of lenders and products, so you get the best rate and product for your unique situation.
No Cost to you
This has often been and area of confusion for first-time homebuyers/clients. Our services really do come at no cost to you!* Paid entirely by the lending institution that your mortgage is secured with, we receive a fee from the lender
Personal Service
In most cases, our business has been built on referrals by satisfied clients. After all, every good business grows from exceptional, and sincere, customer service.
You First Choice, not the last choice
Everyone seeking a mortgage can benefit from the better mortgage decisions that come with the experience, objectivity, convenience and service that we can deliver.
To maximize the benefits to you, you may want to consider enlisting the services of a Mortgage Intelligence agent. We negotiate with major financial institutions, chartered banks, trust and insurance companies, Canada Mortgage and Housing Corporation, Genworth and others to bring our clients the most competitive mortgage rates and terms. Mortgage Intelligence will usually earn a commission or fee from the lender* for all the work, advertising and promotion done on their behalf. Our professional services are provided, in most cases, at no cost to you. We are constantly updated on rate changes and new products being introduced in the market. As our client, you can choose from the widest range of options, obtain the most competitive rate and best product suited to your specific needs. An extensive network of financial institutions has enabled many of our clients to obtain savings of up to 1.40% below posted lender rates.
*Rates/product subject to purchaser/property qualification and change without notice. E&OE. OAC.
© Copyright 2002-2009 SunCoast Consultants Inc. All Rights Reserved.
® Registered trademark of Mortgage Intelligence Inc. © Copyright 2009, Mortgage Intelligence Inc. All rights reserved.
HO Address: 5770 Hurontario Street, Suite 600, Mississauga, Ontario, L5R 3G5
Mortgage Intelligence FSCO licence # 10428 | Justin Christie FSCO licence # M08001295 | Keith Walper FSCO licence # M08001748
© Copyright 2002-2009 SunCoast Consultants Inc. All Rights Reserved.
® Registered trademark of Mortgage Intelligence Inc. © Copyright 2009, Mortgage Intelligence Inc. All rights reserved.
HO Address: 5770 Hurontario Street, Suite 600, Mississauga, Ontario, L5R 3G5
Mortgage Intelligence FSCO licence # 10428 | Justin Christie FSCO licence # M08001295 | Keith Walper FSCO licence # M08001748
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