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Important Tips To Consider Before Buying A House
Posted on Thu, 15 Mar 2018, 03:25:00 PM  in Home buying tips

Buying a home for the first time is one of the most important and yet, tricky decisions one can ever make. This is because in most instances, when buying the first home, many people are still young and do not fully understand how things work. In Canada for instance, more than seventy seven percent of people that are buying homes are millennials. This simply means that they were born between the years 1980 and 2000.

When searching for a home to buy in the Canadian market, it is important to understand a few things so that the process can be smooth and fulfilling. For instance, it is important to note the busiest months in the Canadian real estate market so as to make a decision that goes in tandem with the budget and the specific house being searched.Important Tips To Consider Before Buying A House

For starters, it is important to note that April is the busiest month in the real estate calendar in Canada. During this month, many REALTORSŪ are busy getting in touch with their potential clients and throwing them irresistible deals.

Before one fully commits to any deal, it is important to take a serious and closer look at the priorities and also the budget. For first time buyers, it is imperative to have the house that one is looking in a pre-approved status for mortgage. By taking this action, the buyer looks like a serious one and is given time to grab it without having to waste time making applications. When houses are pre-approved for mortgage, it also becomes easier for the buyer to search for the most appropriate one. However, it is important to use mortgage calculators to be in a position to know what one is expected to pay in the long run.

It is also important to look for the coolest neighborhoods without being in too much of a rush to buy a house. When one slots enough time to peruse the different houses available in different places, then it becomes much easier to make the right choice that is informed by taste and budget. The house of choice should be in close proximity to all needed social amenities.

Another important thing to keep into serious consideration is out of town locations. These locations provide a more serene environment that is the best for those who are not into the all the time rush kind of lifestyle. The best thing with these kind of environments is the fact that they offer everything else that is offered by the town houses only that it is in a better way because they are more reserved.

At this day when we are living in the digital age, social media can play a very integral role in helping clients find houses faster. By simply asking for leads on the internet, one can easily get the exact house they are looking for without having to waste a lot of time. The best thing about using social media is the fact that it is free and takes minimal time compared to other methods.

However, buying a house in Canada is not as hard as many people make it seem. One only needs to have to have time and the needed resources. With the right approach, one can easily get a house in Canada with less then a week's time if adequately decided and financially prepared. Currently, Canada is being considered by many as a real estate haven because it is offering investors with great opportunities to make a kill. It provides a good environment, a good return on investment and guaranteed quality to both the seller and the buyer.


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What Are the Most Important Areas in Your Home to Renovate?
Posted on Wed, 28 Feb 2018, 01:15:00 PM  in My services
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Are you ready to move to a new home? If so, your first task will be to sell off your existing property. You will certainly want to get the best possible price for your old home so that you can apply it to the cost of your new one. To reach this goal, it's a good idea to list your home with a reputable and professional real estate agent in your local area. But even before you do so, you may wish to think about making a few timely improvements to your home in order to give a boost to its resale value.


Why Should You Always Be Thinking About the Resale Value of Your Home?What Are the Most Important Areas in Your Home to Renovate

If you haven't been focusing on the resale value of your home, now would be a good time to start. The important thing to keep in mind at all times is that you will certainly want to gain a higher price for your home than the one that you paid for it. Beyond the issue of merely making a profit, there is also the issue of keeping home values in your neighborhood at a comfortable level.


If You Want to Raise Your Resale Value, Try a Renovation Project

If you are serious about raising the resale value of your home, there are a few areas that you may wish to concentrate. For example, your kitchen is an area that a home buyer will certainly express an interest in the condition of. You can replace the faucets in your kitchen sink and maybe even the entire sink. If the wallpaper in your kitchen is getting out of date or showing signs of wear, you can redo this area as well. These renovations cost little but will bring significant rewards.


Your Bathroom is a Good Place to Consider a Renovation Project

Another logical area to consider starting a renovation project in will be your bathroom. This is another area that will be highly popular with your potential home buyers for obvious reasons. If the tiles on the walls or floors are wearing out, you can spend a few dollars to redo them. Likewise, if there are any issues with the tub or sink, it doesn't really cost all that much to replace them. These are repairs that can be easily accomplished by spending a few dollars.


Make Sure That Your Rugs and Carpets Are Neat and Clean

The rugs and carpets that adorn your floors should be kept as neat and clean as possible. This may not be the first thing that a potential home buyer takes notice of. However, they are bound to look down at some point. When they do, you want to be sure that they are staring at clean, well kept rugs and carpets instead of ill kept, dirty rags. Replacing worn out rugs is an absolute must.


You'll Need to Hire a Real Estate Agent to Sell Your Home

The last thing you will need to do is hire a professional real estate agent to sell your home. This is one task that it is never a good idea to try to skimp or cut corners on for the sake of saving a few bucks. It doesn't cost all that much to hire a real estate agent to assist you in selling your home. Meanwhile, the rewards that come with a quick sale for the highest possible price are too obvious to dwell on. It's an excellent idea for you to hire a real estate agent as soon as possible.

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Why Do You Need a Real Estate Professional to Sell Your Home?
Posted on Thu, 15 Feb 2018, 11:45:00 AM  in Home selling tips
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Are you ready to put your home up for sale? You may be thinking that you can save a great deal of time, effort, and money by doing it all by yourself. Maybe you think that hiring a professional real estate expert just means involving a middle man that doesn't really need to be there. But this is the case in real life? Can you actually sell your home by yourself? If you think there isn't much more to it than putting out a "For Sale By Owner" sign, you may be letting yourself in for quite a large surprise.


Why Does the "Do It Yourself" Approach Usually End in Failure?Why Do You Need a Real Estate Professional to Sell Your Home

You may have heard a bunch of stories about how a handful of home owners were able to sell their properties all by themselves. However, what you don't usually hear is how many home owners end up having to curtail their "Do It Yourself" campaign. In the end, most people realize that simply hanging a "For Sale By Owner" sign on their front yard just doesn't give them the publicity they need to sell their home.


What is the Approach to Home Sales That Will Really Work?

If trying the "Do It Yourself" approach doesn't really work so well, what does? The answer to this question is as simple as it is clear: You need to hire a reputable and professional real estate expert whose job it is to manage the marketing and eventual sale of your home. There are a thousand small details that need to be handled on your behalf by a qualified real estate professional. The sooner you hire a pro to attend to these matters, the sooner you can really sell your home.


You Need to Use All of the Latest Technology to Sell Your Home

A professional real estate expert can get your home listed. This is the first step toward attracting a wide variety of potential buyers. The more exposure you get in the listings, the more likely you are to sell your home in a timely manner. The important thing to keep in mind at all times is that this is valuable exposure that a "For Sale By Owner" sign simply can't get you. Unless you get very lucky, restricting your advertising to a sign will result in a very long wait.


A Real Estate Professional Can Suggest Needed Repair Work for Your Home

One of the very best things that a licensed real estate expert can do on your behalf is to suggest much needed repair work for your home. Before you can sell your home, it will need to pass the test administered by an official home inspector. This is a perfect opportunity for you to go over each area in your home to make sure that it will pass this inspection. A real estate professional can help you find areas in your house that need to be improved or renovated as soon as possible.


The Time to Hire a Qualified Real Estate Professional is Now

There is no better time than the present for you to hire a professionally qualified real estate professional. If you want to sell your home for the best possible price, this is an absolute must. You can contact a qualified real estate expert in your area to get started on exposing your home to the widest possible market. This is the move you need to make if you want to realize the best return on all your years of investing in your present property.

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What Opportunities Does Canada Have For Business?
Posted on Wed, 31 Jan 2018, 02:50:00 PM  in Home buying tips,  Home selling tips
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Diverse Competitive Economy and OECD Country

Canada features a very diverse and competitive economy, being an OECD country. Furthermore, it also happens to be one of the easiest countries to start a business in, being #2 after New Zealand. The country also has a relatively high level of income, with a median income level of $43,660. Comparatively, the country also offers an easy system for paying taxes and resolving insolvency.


Canadian Advantages Over Other OECD Countries

What Opportunities Does Canada Have For Business?Canada also has a few other advantages over other OECD countries. First, Canada is politically stable. Recent studies have ranked the Canadian banking system as being the most stable one in the world. This confidence in the banking system creates an atmosphere where you are able to grow your business. There are also fewer banks, but they are very well regulated.


NAFTA Membership Creates Opportunity For Trade

Canada is also a member of the North American Free Trade Agreement which allows you to have duty free access to the United States and Mexican markets for many products. NAFTA aims to create opportunity for investment and growth throughout North America. NAFTA also means lower prices for Canadian companies and consumers.


Natural Resources Abound in Canada

Canada is also known for being an abundant source of natural resources. Coal, silver, iron ore, natural gas, gold, copper, and timber all count among the natural resources that can be found within Canadian borders. Canada has a entire government department established to ensure that the natural resources are managed appropriately, and they also help out with mapping and remote sensing to identify new sources of natural resources.


A Bilingual Population With English and French

Canada also has a bilingual population, as people speak both English and French. This positions Canada for being in a great place to conduct business throughout the world. Many emerging economies in Africa speak French, which means that you will have a source of native French speaking Canadians whom share the same language as people in emerging markets.


Transparent Regulatory Environment

The Government of Canada is also very transparent with the regulatory environment. For you, this means that regulations and other procedures related to the government are fairly simple to deal with and understand. Many other places have a regulatory mess which can be very dfificult to understand and manage.


Diverse Economy

Manufacturing, services, and natural resources are the dominant industries, with Royal Bank of Canada being the largest company. The benefit of this is it creates a diverse set of industries. A diverse set of industries means a economy with opportunity for your business to make a mark upon the Canadian economy.


Consider Services of a Realtor to Assist in Finding The Right Place To Live

Many whom relocate to Canada often consider the services of a REALTORŪ for assistance in locating a new property. A REALTORŪ can be a great resource because of the expertise that this individual has on which neighborhoods are safe and which places are generally desirable to live in.

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Purchasing a Home: Consider the Electric
Posted on Mon, 15 Jan 2018, 02:45:00 PM  in Home buying tips,  Home selling tips
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When you're researching, visiting and examining possible houses to purchase, you'll have a number of factors to explore. While you may feel tempted to primarily focus on aesthetic elements during these inquiries, don't forget about the importance of what's below the surface. Keeping some considerations in mind when it comes to the electric can help to keep you and your loved ones safe.



Purchasing a Home: Consider the ElectricAn inspection on a home is imperative, and you'll want to ask about the current condition of the electric. If any question exists about its safety, then you should look into resolving those issues. In fact, consider pursuing this option before you commit to purchasing the home. You might decide to buy the home only if the current owner addresses the safety issues.



Buying home insurance is a vital part of home ownership. When certain safety issues or code violations with the electric are present, you may find that procuring proper insurance is difficult or impossible. Researching insurance options and electric upgrades can help you to resolve this problem.


Old Wiring

While old wiring in and of itself might not pose a threat, the fact that it has likely worn down over the years can. Before buying a house with old wiring, you may want to consider having the entire home rewired.


Circuit Box

The circuit breakers in the home help to protect against fires in the electrical system from occurring. You might think that you have this level of protection simply because a circuit box exists. However, due to age and wear, some of the breakers may not function properly anymore. Upgrading the circuit box is another way to keep your home safe.


Few Outlets

Consider how much technology has grown in just the last decade or so. People are certainly plugging in more devices that they did in the past. As a result, you want to make sure that the house has enough outlets for your needs and to meet with current codes. You might think that grabbing some extra extension cords from the store will help with this issue. However, extension cords can pose some dangers.


Ceiling Lights

Instead of having to plug lamps in all over the house, you may want to have ceiling lights. Check to see how many ceiling lights are present in the home. If there are not enough for your desired use, you can look into the cost of having them installed before you purchase the home. You will also want to make sure that the house can support these lights.



You also want to make certain that the house can supply the necessary energy for all of your appliances. For example, you don't want the lights all over the house to dim every time that you turn the washing machine on, and you don't want to constantly trip the breakers.


Qualified Electrician

When it comes to the electric, you might be tempted to make some of the repairs yourself in order to save money. However, doing so could mean that you employ methods that are actually dangerous for the house. In fact, you could seriously injure or kill yourself while working with the electric. Instead of taking this precarious approach, make sure that you call a qualified electrician to perform the work for you.

Safety is a major priority in your new home, and the electric has a major connection to that element. Knowing what you're getting into and resolving any issues that you can now are wise decisions to provide you with greater peace of mind when you move in.

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Where is the Best Place to Get a Home Loan?
Posted on Sun, 31 Dec 2017, 03:00:00 PM  in Home buying tips
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If you are looking for a loan to buy a home with, you have plenty of options. One of the best ones would also likely be the most obvious. You can go directly to the bank that you do the rest of your financial business with. If your credit is in good shape, it is likely to be so positive precisely because of the many transactions with your bank that have helped to raise it. So it shouldn't be much of a problem at all to get a good sized loan from your local bank that will help you to buy the home you currently have your heart set on. It all comes down to your current state of credit.


If Your Credit Isn't So Good, Can You Still Get a Home Loan?

Where is the Best Place to Get a Home Loan?Of course, not everyone's credit is bound to be stellar. Your score may actually have declined during your years of dealing with your bank due to overdrafts or defaulting on other types of payments. You may also have recently lost your job or are between periods of employment. Whatever the reason may be, if your credit is average or poor you may be unable to convince your bank to give you a loan that will enable you to buy your home. However, there are other ways that you can go about getting this loan.


You May Be Able to Get a Loan from Your Insurance Company

If your credit is good and you have adequate proof of income and employment, you may be able to get a home loan from your insurance company. This will be all the more likely to happen if the company you are seeking the loan from is the one you are also using to insure other types of property, such as your car. If your credit and other qualifications check out, you can usually take on a new home loan that will simply become another charge from the same company you are already signing checks to on a monthly basis. However, if your credit is not good, this may not be a viable option.


If Other Avenues are Exhausted, You Can Try a Private Lender

If all of the other possible avenues for getting a loan have been tried and exhausted, there is another option that you are free to explore. You can attempt to get a loan for your home from a private lender. This is an option that you need to think very carefully about before pursuing as there may be a number of conditions that could come back to haunt you at a later date. While most private lenders are reputable and safe to deal with, there are a few shady outfits that may charge you insanely high rates of interest and attempt to impose other conditions that could leave you bankrupt.


You May Qualify for a Loan from the Canadian Government

If even a private lender doesn't seem like a good idea, there is one final avenue that you can check into. Under certain conditions, you may qualify to receive a home loan from the Canadian government. If you are in need of housing due to a serious crisis, you may qualify for an emergency loan that could help you move into a new home. There are a number of other exigencies under which you may qualify for this type of loan. Check with the official Canadian government website to learn more about these types of situations and the loans you may be able to receive to get you through them.

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Why You Should Sell Your Home And Move Across The World
Posted on Fri, 15 Dec 2017, 02:55:00 PM  in Home selling tips
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It may be difficult to break the news to your loved ones that you have signed a contract with a sales representative and are selling your home in favor of moving new another country. This country could nearby like the United States, but it could also be halfway around the world in Egypt or India.

If you have been on the fence about whether or not this is completely crazy, here is a list of five reasons why other people just like you have made the decision to sell their homes and move across the world.


It Has Always Been Your Dream To Travel

Why You Should Sell Your Home And Move Across The WorldNot every person in the entire world wants to grow up and live the rest of their life in the same place that they were born. Some people have a need to get out and experience the world in a way that simple short vacations just cannot do. Dreamers often say that you can never truly learn about a place until you’ve lived there. You deserve to live out this dream and travel because you want to and for no other reason if that is your wish.



Your Fiance Or Spouse Lives In Another Country

With online dating, schooling and chance vacations, finding your true love in another country is becoming easier and easier to do. It is not unheard of to meet someone online and want to move to go and live with them as you plan a wedding or a home to live in once you are married. This may be especially appealing if you are not a fan of Canada’s climate and would like to trade it in for a warmer alternative.


You Are Seeking Spiritual Fulfillment

You do not necessarily have to be religious to feel a need to move across the world. You could be looking for a part of yourself that you simply cannot seem to find in Canada. Maybe you are moving to help with a humanitarian cause that you know you can positively contribute to. Maybe you are moving because you want to discover what is important to you and what you were meant to do in this lifetime. This spiritual journey is uniquely yours.


You Want A New Start

Have you lived out this chapter in your life in Canada and are now just looking for something new? There is nothing wrong with wanting to start over in a place that does not know you. There are thousands of reasons why you would like to start new, so do not feel like your reasoning is unjustified.


Take Home Advice

It truly takes a lot of courage to gather up your entire lifestyle, sell your Canadian home in a place you have always known, and move to a place that may seem completely different than anything you have ever seen before. No matter what that cause may have been, your journey is personal and you will have a lot to gain from it.

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So You Have To Break The News To Your Family About Moving?
Posted on Tue, 31 Oct 2017, 03:10:00 PM  in My services
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Have you recently found yourself in an awkward or uncomfortable situation surrounding the fact that your family has to move and you have to be the one to break it to them? It doesn’t matter if you are the parent, the guardian, or just one of the main contributors to your household’s income. It can be a difficult situation for anyone to have to encounter. Here are a few ways you can handle the situation:

Be Bold And HonestSo You Have To Break The News To Your Family About Moving?

Sometimes you have absolutely no choice but to just come out with it and tell your family like it is. Tell them that you have received a new job offer and taken it. Tell them if you have talked with a sales representative. Tell them if you have made any plans or of the plans that you are planning to make regarding the move. Some families truly do respond to the fact that you were open, honest, and bold about your delivery of the news. This may work if you prefer to stay emotionless about the situation, especially if you know that everyone else will have a lot of emotions once you reveal the news.

Tell Them One At A Time

Telling them one at a time may work in your best interest if you know that the members of your household will all handle the news differently. We all process information slightly differently in the first place, but having someone excited and someone distressed in the same room receiving the same news may just fuel a fire you don’t want to have to put out. This could also work if you have the type of family that has differing schedules that require each of you to be in a different place at a different time and there are few opportunities for all of you to sit down together to discuss the move.

Set Up A Family Fun Day

Do you have young children with a lot of memories and attachments to the house that you hold onto that may not process information in the same way that adults do? If so, than you are in the same type of situation that many families that must move when children are young are in. You don’t want to break the news to them and risk them blowing up in a temper tantrum that they cannot calm themselves out of. You also do not want to surprise them on moving day. In this case, try setting up a family fun day and giving them a lot of fun things to do. Then ask them if they enjoyed it and if they want to go on new adventures in a new place. They may not be completely open to it, but if you present it to them as a fun opportunity they just may be open and willing to accept these fun new adventures.

Take Home Advice

Informing your family that you have to move can be one of the most difficult things that you ever have to do. There will likely be someone that is upset, someone that is excited, and someone that doesn’t quite understand how their life will be impacted by this change. Still, if this move is what is best for your family, you cannot feel bad about having to break this news. You have to do what is best for the family. Good luck on the move.

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Top 7 Real Estate Myths
Saturday, 30 September 2017, 12:20:00 PM

There are plenty of myths circulating about the real estate industry as well as real estate agents themselves. Some are perpetuated by misinformed agents too. We're debunking the top 7 myths about the real estate industry.


Myth #1: Agents Make Tons of Money

While most agents make a good income, they aren't becoming rich with no significant effort. They don't always receive a set percentage of the sale price of the home. Commissions are actually negotiable, and the percentage that the home sells for is actually split between both agents involved in the buying and selling of the home. The agent has to pay all their own expenses like health insurance and advertising expenses for their business. This leaves little for the agent out of their mythcommission.


Myth #2: Price High for Negotiations

It's vital that your home is priced correctly. One of the biggest mistakes that a seller makes is pricing the home too high. Buyers won't visit a home that is out of their price range. They're also more savvy than ever before. Buyers do their research, and they'll be aware of your tactic to bring in higher offers. Always understand your buyer and price your home correctly.


Myth #3: Buy Through the Listing Agent for Savings

Some first-time buyers believe that they can save themselves money by using the listing agent as their own agent. They believe this cuts down on the amount of commission taken from the sale since they don't have to split the commission with another agent. While listing agents can certainly be trustworthy, they are actually working for the seller. You want an agent that is vested in what's best for you as the buyer. This is especially true if there are negotiations to be handled.


Myth #4: Find the Perfect Home then Learn About Financing

You should always learn about your financing options before you start your search for the perfect home. As a buyer, you'll want to have your pre-approval in place before the search because the entire process can be time-consuming. You're locking down your options before finding the home, which saves a lot of heartache when you find out later that you can't buy the home you love. When you have a pre-approval, you'll be more attractive to the seller in case there are multiple offers on a home that you adore.


Myth #5: Agents Should Mention Crime and School Information

This myth is definitely false. In fact, Federal Fair Housing laws don't allow the real estate agent to discriminate against classes that are protected by law. This means that the agent can't mention anything about school stats, ethnic mixes of the neighborhood or crime rates in the area. They can direct you to websites and other avenues that will tell you this information for research purposes.


Myth #6: Open Houses Sell Homes

Unfortunately, open houses do not always sell homes. Some studies show that less than 2 percent of homes are sold through an open house. It's not like you see on television where the agent holds an open house and immediately receive an offer. Most agents have an open house with the hope that they'll get new clients. Consider all the positive and negative sides of an open house before you decide to have one for your home.


Myth 7: For Sale by Owner Saves Money

Owners who want to sell the home themselves think they're saving all that money on commissions. In fact, they're often at a disadvantage that can cost them thousands of dollars. Real estate agents will know how to price the home to sell quickly, negotiate with buyers to get close to the seller's asking price and work with inspectors to ensure the home is in the best condition to sell.

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Tips to Use When Searching for Family-Friendly Homes
Posted on Fri, 15 Sep 2017, 12:20:00 PM  in Home buying tips
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The time has come to find a new home where you and your family will be happy and thriving. Seems easy, but it can be a challenging process. You have to decide what is a necessity, and what you could live without. Long gone are the days when you and your spouse could move into a fast-paced area with great shopping malls. While most attractions still matter, your main focus should be great school districts, access to emergency services, and kid-friendly neighborhoods. Here are some tips to use when you begin searching for a new home that you and your entire family can enjoy.


Get the Kids Involved

This is an important tip to consider when searching for a new home. You want to receive your children’s input because this will be their home as well. However, youfamily home do not want to take your children to countless open-houses. Limit the amount of homes that children walk through. If you take them to more than three or four open-houses, the children will lose interest and you will not receive an accurate point-of-view. You want the kids to remain focused and to give honest feedback. Go visit as many homes as you would like with your spouse, and then narrow it down to four or less before you begin taking the children to look the properties over.


Space Matters

On those weekends when the entire family is in the home, you want spacious living rooms and a media room where you can have family games and trivia, movie night, and more. However, you will also want extra space for the times when everyone wants to be alone. Family-friendly homes have spacious rooms where your children rest, do homework, or just relax without feeling overcrowded.


The bathrooms in the home are another feature to consider. It would be ideal for everyone to have their own bathroom. This will make school and work days less hectic.


School Districts and Emergency Services

Buyers with children should have these two things at the top of their list when searching for a new home. You want to make sure your children have access to the best schools. Do some research on the local schools and the type of community involvement those educational institutions have. This is very important. Go and visit some of the schools with your children, so they can get a feel of the atmosphere.


Be sure to choose a property that is near a hospital, police department, and other emergency services. You never know when an emergency will occur, but you should always be prepared when it happens. You do not want to drive long distances, or wait for long periods of time on an ambulance, when your child has been hurt. The safety of your children should always come first.


Features that Kids Love

Now that you have chosen the attractions and services that are necessary for most families, you want to take a look at those features that children prefer. While the location does not need to have all of your children’s top choices, you want to choose an area that offers them some fun features and attractions. For instance, playgrounds, toy stores, and movie theaters are features that typically draw the interests of children. Therefore, you will need to find a home that is within a good distance of those places. Keep in mind that while this is your home and you will be making the mortgage payments and major decisions, this is also your children’s home and their choices should matter.

The search for a family-friendly home does not need to be overwhelming. Reach out to an experienced real estate agent who can make the process as simple and stress-free as possible. She will have more useful tips that make the process fun, and tips that help your family make a great buying decision!

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ZOI OUZAS Sales Representative
RE/MAX Garden City Realty Inc., Brokerage
64 Main Street West, Grimsby ON L3M 1R6
Office: (905)-945-0660 Office: (905)-563-8527


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