House hunting can be a very exciting time, but it can also be a stressful time – especially if you're completely unprepared!  When you decide you are ready to start touring homes, make sure you start the process with a plan in hand.  By taking the time to get organized before you start, you will save yourself time and money and make the process much more enjoyable.


So, let’s take a look at what NOT to do!


1.     Not having your financing in order.

 

How can you really know what price you can afford without being pre-approved for a mortgage?  Sellers may actually be scared away by your offer without pre-approval as they will assume you aren’t really a serious contender. There were some big changes to mortgages recently, so be sure you know where you stand before you start shopping for your next home.


2.     House hunting on your own.

 

If you are serious about buying a house, you...

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Announced in late May, the government of Canada has launched a new program that offers Canadians grants of up to $5,000 for completing energy-saving home upgrades. From upgrading heaters, to installing solar panels or replacing drafty windows and doors, the program aims to help keep our air clean and our environment healthy. 


Worth about $2.6 billion over seven years, the grants will help approximately 700,000 homeowners lower their bills and keep houses warmer during our cold winter months. If you’re interested in accessing these funds and improving the efficiency of your Oakville area home, keep reading for more information on how the program works. 

How Do I Access the Canada Greener Homes Grant? 

For those home owners who are keen to get started right away, here are some details on how to participate in the Greener Homes Grant initiative.

  • Visit the program website to learn more.
  • Register and book your pre-retrofit evaluation with a certified adviser....
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The process of selling your home starts long before you select a realtor in Oakville and the ‘for sale’ sign goes up. If you’re thinking of selling your Oakville, Burlington or Mississauga home this year, there is no time like the present to start decluttering and make it more appealing for potential buyers. Sue Heddle Homes, offers free home staging to all of our clients, but when you work to clear out unused items and clutter ahead of time, it makes it even easier to showcase all the benefits your home has to offer.


When you're selling your house, know that potential buyers want to see everything. From storage closets to your garage, no space is safe from the eyes of a serious house hunter. Reducing the clutter in your home will enable you to maximize every square inch of your space and help potential buyers really see themselves in the house. 

Where To Focus Your Decluttering 

To help you get started, we're sharing a list of important...

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The Canadian government has proposed new rules related to the mortgage stress test which would take effect on June 1, 2021. To review, the mortgage stress test was introduced by the government to help limit the number of Canadians who run into financial trouble by overextending themselves by assuming a mortgage they can’t comfortably pay for. 


As the real estate market has experienced continued growth and significant price increases during the global pandemic, many have been calling for regulatory changes in order reduce the risk of a market crash and to stop Canadians from assuming too much housing debt. 

Here’s How These Changes Will Affect You 

The proposed changes will increase the minimum qualifying rate for an uninsured mortgage from 4.79% to 5.25%. As a result, it will make qualifying for a mortgage more difficult for many Canadians. Simply put, on average, home buyers will be able to qualify for four to five percent less in funding because of this change....

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As a successful Oakville realtor for more than a decade, Sue Heddle Homes has certainly seen changes in the market year over year. When COVID brought the world to a halt in March 2020, the real estate market certainly took a hit and it did leave some people questioning what the future may hold.


However, the 2020 real estate market finished very strong, and in fact, we had some of our busiest sales months ever! But, what does this mean for 2021? If you’re thinking of making a move this year, it’s time to talk to an Oakville realtor right away. An experienced realtor can help you navigate real estate transactions in a COVID environment while ensuring you get the best results possible.

Is 2021 A Good Time to Buy and Sell? 

Are you thinking of moving in 2021? Here are some things to think about:

  • Experts forecast that buyers from other cities and provinces will continue to support a strong market in 2021, particularly in suburban and rural markets.
  • People...
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