Category Archives: Real Estate

Preparing for the Pre-Sale Move

Preparing for the Pre-Sale Move

After navigating the process of searching for and purchasing a pre-sale home, the move in itself might seem like an easy task. However, there are still things to be aware of when preparing for moving day. As anyone who has ever had to move between homes knows, moving can be stressful and overwhelming. Here, we outline some key areas to consider as you near your move in date.


Up-to-date insurance


Before moving in, it’s critical to make sure you have active home insurance. Home insurance should begin the day the property is transferred into your ownership. Most insurers allow you to transfer an existing home insurance policy to a new home and will cover both the old address and the new one for 30 days to give you a window during which to move. This means that your belongings are insured while you are moving and will be covered if they break during the move. You can purchase a separate policy for your move, but it is usually more cost-effective to amend your existing home insurance policy as it also includes liability coverage. If you are not transferring your existing home insurance to your new home, ask your new insurance provider whether your personal property is covered during your move. The policy on this differs between insurance companies. Let your insurance provider know if you’re not moving in right away; you may require additional insurance if the unit is vacant. Overall, share all details and dates of ownership, possession and occupancy with your insurer so they can confirm there will not be any gaps in coverage.


Follow up on the deficiency walkthrough


Prior to moving in, each pre-sale homebuyer completes a deficiency walkthrough to identify any pieces that are not yet completed. After the walkthrough, you are presented with a list of any noted deficiencies. It is always recommended that you bring your realtor along to review the list with you prior to signing that list. If anything was noticed, a plan was put in place by the developer and realtor to execute changes required. Prior to your move in, complete another walkthrough with your realtor making special note of the items that were identified on the list of deficiencies. If anything is outstanding, communicate with the developer in writing to ensure that those missed items are noted and remedied.


Get to know your new amenities


After taking care of the more transactional components of a move in, reward yourself with the fun part: exploring the amenities of your new home. Visit the fitness centres, social lounges, shared kitchens or rooftop gardens that you might find in the development. Walk yourself through all the available amenities and shared spaces and make note of how and when you can access each. Technology is increasing the convenience of using amenities; for example, Block by Amacon offers a secure parcel delivery room complete with smartphone notifications, providing a safe place for packages to await their pickup and easy access at any time.


Preparation is the best way to reduce the stress that can often come with moving into a new space. By covering off the above, you’ll be one step closer to a smoother moving day and the first night in your new pre-sale home.

Home Landscaping

Home Landscaping

They say you only get one chance to make a first impression. That’s true with your home as well as in many situations in life. We’ve all done it, walked through our neighbourhoods admiring what our neighbours have done to the outside of their homes. Let’s be honest, it’s like an un-iced cake. I’m sure we all like plain old cake but it looks and tastes so much better when it’s decorated. What the heck does that have to do with landscaping? Well, your house may be like the cake, nice on the inside but plain and boring on the outside. Add some landscaping and you’ve got yourself icing which is sure to appeal to a lot more buyers than the plain old boring version.


You don’t have to go big and fancy, you can stay low maintenance and still get the WOW factor.


Trees and shrubs are pretty low maintenance, besides the initial planting and watering and the occasional trimming, they practically take care of themselves. There are shrubs and trees that bloom full of flowers in the spring and then last through summer as nice green foliage. If you don’t want to spend your fall raking leaves, consider evergreens. Be sure to take their full grown size into account when planning where they will be planted. Also be cautious of property lines (fences) and utilities, call before you dig!


Annuals are a great way to change things up. Once you have your established landscaping in place, you can add splashes of colour either by planting annuals directly in the garden or by adding urns or hanging baskets. Adding pre-made planters is like planting for dummies. All you have to do it water and take the dead blooms off and you can take credit for the beauty it will provide all season long.
Want to take it up a notch? Your walkway, driveway and deck will add even more curb appeal. There are so many options when it comes to walkways. Patio stones, interlock, stamped concrete, wood, composite, the options are endless.


Again, you don’t have to break the bank. While door knocking here in, we have seen some beautiful examples of pride of ownership. I recall a house that used plain patio stones however the method in which they were laid made it look like fancy stonework.


You can do it yourself, you could even hire a professional to do up the plans and then implement the design yourself or if your budget allows it, you can hire a professional to do it all.


Walk about your neighbourhood or search the internet for inspiration and start small. Landscaping doesn’t have to be large to be impactful.


A little bit of landscaping can add great value to your home, not to mention when you pull into the driveway, it will make you feel proud!

Techniques to Prevent Low Back Injuries During While Snow Shoveling

Techniques to Prevent Low Back Injuries During While Snow Shoveling

We thought these would be some helpful tips for snow shoveling.


One of the more common causes of back injuries during the winter months is snow removal. Using the wrong body mechanics when shoveling snow can put undue stress on the lower back and lead to a painful muscle strain or possibly more serious back injuries, such as a herniated disc or disc degeneration.


The following snow removal tips can help you to avoid low back injuries and pain during these snowy winter seasons.


Pick the Right Snow Shovel


An ergonomic snow shovel can help take some of the effort out of your snow removal chores. A shovel with a curved handle or an adjustable handle length will minimize painful bending, requiring you to bend your knees only slightly and arch your back very slightly while keeping the shovel blade on the ground. In addition, a small, lightweight, plastic blade helps reduce the amount of weight that you are moving.


Warm Up Thoroughly


Cold, tight muscles are more prone to injury than warmed up, flexible muscles. Do your back a favor by warming up for five to ten minutes before shoveling or any strenuous activity. Get your blood moving with a brisk walk, marching in place, or another full-body activity. Then, stretch your low back and hamstrings (the large muscles in the back of the thigh) with some gentle stretching exercises. Limber up your arms and shoulders with a body hug.


Pace Yourself


Shoveling small amounts of snow frequently is less strenuous than shoveling a large pile at once. If possible, removing snow over a period of days will lessen the strain on the back and arms. In deep snow, remove a few inches off the top at a time, rather than attempting to shovel the full depth at once. When shoveling, take a break for a minute or two every 10-15 minutes or if you feel overworked at any point. Use this opportunity to stretch your arms, shoulders, and back to keep them warm and flexible.


Use Ergonomic Lifting Techniques


Whenever possible, push the snow to one side rather than lifting it. When lifting the snow shovel is necessary, make sure to use ergonomic lifting techniques.


Always face towards the object you intend to lift (have your shoulders and hips both squarely facing that direction)
Bend at the hips, not the low back and push the chest out, pointing forward. Then, bend your knees and lift with your leg muscles, keeping your back straight.
Keep your loads light and do not lift an object that is too heavy for you.
If you must lift a shovel full, grip the shovel with one hand as close to the blade as comfortably possible and the other hand on the handle (handle and arm length will vary the technique).
Avoid twisting the back to move your object to its new location – always pivot your whole body to face the new direction.
Keep the heaviest part of the object close to your body at your center of gravity – do not extend your arms to throw the snow.
Walk to the new location to deposit the item rather than reaching or tossing.
When gripping the shovel, keep your hands about 12 inches apart to provide greater stability and minimize the chances of injuring your low back.


Keep Your Feet on the Ground


Slippery conditions while shoveling can lead to slipping and/or falls and strains that can injure your back. Shoes or boots with good treads will help to minimize injuries from slipping. Spreading sand, rock salt, or kitty litter on your sidewalk or driveway will increase traction and reduce the likelihood of slipping on the ice.


If Possible, Stop Shoveling – Use a Snow Blower Instead


When used correctly, a snow blower can put less stress on your low back than shoveling. Avoid stressing your back by using the power of your legs to push the snow blower while keeping your back straight and knees bent.

These tips can help to make snow removal less of a strain on your low back. Keeping these guidelines in mind during the winter season will lessen the chances of a developing new back problems or worsening your low back pain while shoveling, and hopefully make your winter a healthier and more enjoyable experience.

Home Maintenance Tips For Winter

Home Maintenance Tips For Winter

You worked hard, sacrificed and saved for a down payment and now you are a proud home owner. Taking care of your home will save you money on maintenance and increase your homes value over time. Winters can take a toll on your home; but, if you prepare, you can get ahead of old man winter with these maintenance tips.


Not only do we have winter to contend with, but fall fills our yards eaves troughs and downspouts with leaves and debris. Cleaning these out in advance of winter will help prolong their life and prevent issues from arising. A clogged gutter can back up, overflow and may even damage the roof.


Gutters and Downspouts


Ideally, you’ll want to do this when the weather is favourable, before the snow flies. Be sure to have someone assist you; and, if you’re afraid of heights, it may be best to hire someone who has experience. Clean out any debris and flush the gutters out with the hose or plan to do them in advance of a rainy day and let mother nature flush them out. Ensure that your downspouts extend far away from the house and check your basement and attic for stains which would indicate a roof issue or that your drainage system isn’t sending the water far enough from the foundation. Downspout extensions are an inexpensive investment.


Sump Pump


If your home is equipped with a sump pump, now is a good time to test it. Locate where the water ejects and ensure that it is clear of dirt and debris, like your downspouts ensure that it is discharging well away from the foundation, it’s pointless if the water is being directed back inside. Check the electrical cords and their connections and make sure they are in good shape. If your sump pump doesn’t come on often, pouring water into the pump pit until the float rises is good way to make sure it’s functioning. The pump should turn on and then shut off once the water discharges. If it doesn’t come on, you may need to replace it. Alternatively, if your sump pump runs frequently, you may want to invest in a back up battery, especially if you’re away often.


Hoses and Outside Taps


In advance of winter, ensure to drain all of your garden hoses and outside taps. Remove all exterior hoses and then go inside and turn off the water at all the shutoff valve(s) inside your home. Once you’ve done that, go outside and turn the taps to the on position, this will drain any water left in the pipes. Be sure to leave the tap open as this will prevent any pressure from building up if it freezes. Before storing away your hoses, unwind them and lay them out, draining any water before rolling it up to store it for the winter.


Window Wells


If your home has window wells be sure to inspect and make repairs before the snow flies. They do sell clear covers for window wells that will prevent them from filling up with snow but that still let the light in.


Brickwork and Foundation


Visually inspect the exterior of your home for cracks in the brickwork and foundation. Finding these items in advance of a problem can save you grief and money. Fill any cracks accordingly, either by caulking areas or by have a professional repair them. We’re happy to connect you with one of our preferred partners should the need arise.


Prevention is the best approach; ignoring little problems now will only make it more costly later. Be sure to repeat these tasks annually, you’ll be happy you did.

How to Add Resale Value to Your Home

How to Add Resale Value to Your Home

Toronto is known as one of Canada’s trendiest cities, you can imagine the competition when it comes to selling your Real Estate. Everyone is trying to keep up with the times to showcase their home at the top of the market, but the question is… What really makes your home stand out above the rest? Staging a home can really add instant value to your home. Check out more information about staging in our ‘Marketing Done Right’ vlog here.


1. Location, Location, Location


Many of us realtors sound like a broken record when we say this, but we are trying to make a point that this is detrimental to your home’s resale value. Whether you are selling or buying, you want to consider location and the value it brings to your property. Your home could be the nicest on the block, but if you’re located on the corner where all you can hear is traffic buzzing by… Well, it doesn’t matter if no other home compares to yours, it will most likely fall short in a buyers mind. Also, beware of future city plans because if you bought a property with a beautiful view right now, it might be obstructed in a few years; so check with the cities records and what could be going on in the future, development wise. Something that you can do if you are a corner lot and there is traffic noise, is add trees to the front area. This will help to drown out the traffic noise and also add some privacy. That being said, if you are at the place where you are making the real estate investment decision.


2. Room Quantity


Whenever someone hears 3+ bedrooms, it seems their ear automatically perk up (even 2+ for that matter). Nowadays, most homeowners prefer homes with a couple of rooms since they often would like a guest room, a dedicated office, and, of course, a sleeping area for themselves. Another room that serves well for real estate value are bathrooms. Given a choice between a one bathroom home or a two bathroom home, buyers will be more attracted to the two bathroom home even if the price might be a little higher. Keep in mind, a home without a master bathroom also can be detrimental to its value.


Something that we advise home buyers to consider is:


When buying your home, think about the market that you’d like to resell to in the future. Are you targeting couples, larger families, or could you be after singles? The more people who will be living in a home means that they will automatically need more space. If you are looking to do a renovation adding a bathroom would be a great place to allocate some extra funds, adding to the room quantity and thus re-sale value for your home.


3. Layout


If your home’s layout is quite odd (meaning your kitchen is cut off from the living room due to a random wall), buyers will probably cross it off of their “top contenders” list. The truth is, homebuyers are looking for open spaces with good flow, lots of light, and multi-functionality; chopped up and closed off spaces should be left in the 70’s. If your home is suffering from a dated layout, it might be time to knock down a few walls before selling… a change like this could be key to how fast your home flies off the market.


4. Updates and Maintenance


In Toronto GTA, you’ll find a mixture of new and older properties. Why do the newer homes sell faster, you might ask? Because they are updated, well kept, and have less chance of being a hazardous environment. A few top upgrades to consider when making changes are a worn down kitchen, scuffed up baseboards, archaic bathrooms, and even the air-conditioning situation. Check out our blog post about laminate vs. hardwood flooring here if you are thinking about doing some updates on your property. Make sure your home is up to speed with safety regulations and spruce up any tattered items (like faucets or knobs) that you can think of; this will add resale value to your home, for sure.


5. Curb Appeal


This might sound silly, but if your home looks good, it will be enough to spike the interest of buyers. By cleaning your home and staging it properly, you can trick a buyers mind into thinking the property is better than it is. De-clutter around the house, hire a cleaning service, and even place a fresh baked pie out on display; if the homebuyer can imagine themselves living in the space, they’re much more likely to actually put out money to live in it.


Although all of these elements will help your home’s resale value, there are many factors as to why your real estate still may not be selling. I’m here to make sure that your home flies off the market, which is why I would love to hear from you today if you’re considering selling your real estate. I want to see your home achieve maximum sale potential and make sure that the entire home selling experience is satisfying.

How to Make Your Home More Environmentally Friendly

How to Make Your Home More Environmentally Friendly

As home owners we all incur monthly costs of running our homes. From the monthly gas bill to the hydro bill, we are all looking for a way to keep energy costs down year over year. There are cost effective measures we can take such as using blackout drapes/blinds in the summer to help to keep the heat from the sunlight out to ease some of the work for the air conditioner. And there are some measures like updating windows, doors and appliances that can cost a lot up front; but they will end up saving you money in the end. Adding smart home features that you can utilize with apps from your phone can also be beneficial.


Smart Home Technology


Adding smart home technology to your home has many benefits. Conserving energy is one of them. Adding WIFI thermostats allows you to adjust the temperature in your home when everyone is out. Smart home technology also allows us to turn out lights that are left on. Setting timers and monitors helps us to use the energy efficiently therefore saving money. If you purchase a smart thermometer, check with the retailer to see there is a rebate being offered.


Home Efficiency Rebate Program


All good things start with HER… Home Efficiency Rebate Program. Updating any old appliances to the newer energy efficient appliances lessens the amount of hydro needed to keep them running. High efficient, energy star clothes washer use less water. The amount of water needed is gaged by the size, weight and soil level selected. The same goes for the energy star clothes dryer.




There are offers for rebates to those updating their home to energy efficient material like insulation, new furnace or doors and windows. If your furnace or boiler has an AFUE (Annual Fuel Utilization Efficiency) rate less than 96% than your furnace is turning less than 96% of the energy it consumes into heat. You could get $250 dollars in rebate. If your furnace is at the AFUE rate of 90% or less, you could get up to $1000.


There are also opportunities for rebates for updating the insulation in your basement, attic and exterior walls. The upgrade depends on the R rating of your insulation. The R rating is the thermal resistance so the higher the R rating the better the insulating effectiveness.


There are also rebates available for updating your water heater to an energy star and air sealing. Use the Home Energy Upgrades to help you help determine what upgrades that are offering rebates that apply to your home.


Hydro offers a rebate on replacing your existing toilet with a new Water Sense certified toilet. An application must be completed and submitted with original receipt to Town Hall. There is also a Home Assistance Program available for eligible homeowners and tenants.

Should you buy a Turn-Key Home or Renovate?

Should you buy a Turn-Key Home or Renovate?

Obviously, when you are looking to buy a home, the first thing you are looking for is “the perfect home”. But it seems that the definition of “perfect” is different for different types of people! To some, buying a turn-key house is the ideal option, and they wouldn’t even entertain the thought of the purchase of a renovation property in their lifetime. To others- renovation homes are an opportunity they can’t pass up because they can customize the house to their heart’s desire. However, no matter which person you are there could be obstacles standing in the way of your optimal choice.


So, what should you be considering when deciding to buy turn-key or purchase a reno property? There are five main things that I believe are incredibly important when choosing the best option for you. Who knows, by following this advice you might save yourself from a financial mistake and an emotional pitfall in the future…


Consider Your Budget

Possibly the most important factor you should assess is how your budget will affect your home choices. Both renovations and buying a turn-key house can cost you a lot of money, so, you should be sure that your pocket can handle whichever you decide to go with.


Buying a new home means qualifying for a new mortgage, so whether you are buying turn-key or renovation, you will be putting out some money. The easiest thing to look at is your “wants and goals” list vs. the “what you can afford” list. If you are lucky enough to find a home that hits all the points on your checklist, then you might be in the clear to buy a turn-key home if that’s what you wish! However, if your dream home is out of your reach, then looking at a renovation might be the better option; but that doesn’t mean it comes at a perfect price. Looking for a renovation home will most likely require a lot of shopping around. Weigh all the pros and cons such as space and build of the house against your budget, as well as how much it will cost you to update the home the way you want. Unfortunately, money will always come into play when searching for your dream home- but if you go about it in a smart way, you’ll be happier with decisions in the long run.


Consider the Market and Return Investment

Is it a good time to be buying and selling right now? Will it be a good time for this in the future? Do your renovation plans or current home layout work not only for yourself, but for the next homeowners? These are all big questions you should be asking yourself when home searching.


If home prices are suspected to drop in the next few years and you are planning to sell again in the future, you should be considering what will make your home the most profitable for later down the road. No matter if you buy turn-key or renovate, there will always be certain components that will increase the chances of your return on investment- such as a stunning and functional kitchen or an unbelievable master bedroom and ensuite.


However, if you are planning on this being your forever home… then this might not be a worry for you.


Consider the Property and Location


Yes, considering the property and location might relate to return on investment, but I deem it so much more than that. If you have your heart set on a particular area or property type, that may dictate where you will find your desired location.


Really evaluate what is important to you. Do you want a larger property? Is a quiet neighbourhood with close by amenities a deal breaker? These are all things to consider before you say no to a renovation or turn-key home.


Consider the Feel of the Home

If you are lucky enough to find a home with the right personality and feel that suits you, don’t let it slip through your fingers- buy it (but be smart)! However, if there are too many nit-picky things you’d like to change, but the house is a great fit then considers a renovation project.


Knowing your tastes and what you personally look for in a home is a necessary thing to recognize. First, start by looking at the home and what it can offer you in regards to its functionality… and then start figuring out if the homes character is something you love or something that you need to upgrade. One thing to remember is if you don’t adore the home you’re in… it will be harder to want to keep making those mortgage payments.


Consider Your Patience

No matter what, buying a home takes patience. It takes patience to find the right home, it takes patience to find the right price- everything takes patience. Whether to buy a renovation property or turn-key home all boils down to how long you are willing to wait to get what you want.


For those who are looking for the “home of their dreams” and they want it now, turn-key might sound like the only option… but have you considered how long the wait might be for you to find that turn-key home of your dreams? It might actually be a shorter wait period if you were to invest in a home that you kind of like, and update it to be the way you want.


However, renovations do take time too. You’ll want to talk to your contractor or renovation company and ask them about timeline. If they come back at you with a time period that feels a little steep, then I would recommend keep searching for your turn-key home; because it might just pop up during your lengthy renovation and you’ll be kicking yourself for the fact that you chose the messy route.


Now that you are aware of these factors in buying turn-key or reno, which option do you feel is best for you?



If you’re looking to simplify your life in the greenest way possible, your efforts should begin at home. Your home and your garden are your sanctuary (and possibly your sustenance). Transforming the way you treat these spaces, reorganizing them, and giving them the attention they need can help you effectively run a well-oiled eco-friendly machine. Are you giving your space the time and attention it deserves?

Do a Deep Clean

Many people wind up purchasing plastic goods they don’t need because they forget about the secret stashes of plastic goods they already have. Go through everything stored in all the corners and closets of your home. Take the things that no longer serve you and set them aside to sort out later. Take a thorough inventory of what you have to assure that you aren’t buying things you don’t need. Decluttered homes are easier to manage.

Once your home is clean, swap out your old chemical based house cleaners for ecofriendly cleaners. Eco friendly cleaners may not be as strong as chemical solvents, but your decluttered home will be easier to come up with. You’re less likely to have cumulative messes or buildups that are hard to remove without solvents if you have less things to clean around. Cleaning will be easier.

A deep clean of your yard and garden is next on the list. Remove any trash, dead plants, weeds, and old plastic lawn ornaments that have been sitting around baking in the sun. If you want to fully utilize your garden, you’ll need to be sure that its soil is clean and unobstructed.

Start Recycling

It’s relatively easy to make recycling a regular household process. Simply set up some recycling bins beside the garbage can and put waste where it really belongs. The largest task is recycling or appropriately disposing of things you’ve decided to purge during your deep clean. Set things aside that still have value or can be reused, and work through the remainder.

It’s surprising how much can be recycled – even electronics can be recycled through the proper channels. Check your local recycling specifications to ascertain that everything is properly disposed of, and donate the things that don’t need to be recycled. Things like mirrors or furniture made of multiple components cannot be recycled. You might need to call a rubbish company to haul those things away.

Compost and Grow

Waste from fruits and vegetables, egg shells, and coffee grounds can be composted to feed your garden. You won’t need to pollute the soil with synthetic chemicals or harsh fertilizers. Set up a bin outside your house for organic matter to decompose in. As it decomposes, mix it in with your garden soil to enrich it.
Plant seedlings at the appropriate time. Most seed packets have date ranges by region printed on the back, so following the instructions is simple. Collect rainwater to water your plants when the weather is dry, and periodically fertilize from your compost. Water that collects in your compost bin is excellent for adding a steady stream of nutrients to your plants. Natural alternatives to pesticides, such as neem oil, will help protect your plants from pests. When it’s time to harvest, wash and enjoy the freshest produce you’ve ever tasted.

Repurpose As Much as Possible

It’s hard to buy food or household supplies that are free from packaging unless you purchase them at a bulk store that allows you to bring your old containers. When you need to buy something packaged, opt for things that come in glass jars or other reusable types of packaging. Mason jars can be used for storage, organization, and keeping leftovers fresh. If you’re using your garden for food, you can reuse the mason jar to preserve your fruits and vegetables.


New habits sometimes take a while to fully adopt. Don’t feel ashamed if you make a few missteps or if it takes a while to get your whole household committed to better habits. Small changes are better than no changes, and with a steady approach, you have the potential to make a difference.

If you’re looking to simplify your life in the greenest way possible, your efforts should begin at home. Your home and your garden are your sanctuary (and possibly your sustenance). Transforming the way you treat these spaces, reorganizing them, and giving them the attention they need can help you effectively run a well-oiled eco-friendly machine. Are you giving your space the time and attention it deserves?

How to Identify the Best Real Estate Agent!

How to Identify the Best Real Estate Agent!

Not all Realtors are the right one for you and the sale of your Brampton house. A Realtor can make or break how quickly your Brampton home sells. When you consider that you sign a contract for a defined period of time and can only break that contract with some difficulty, it is more important than ever to ensure you have picked the right person.


Real Estate Agents in Brampton go through a lengthy process to become a Realtor. Just because someone has taken a real estate course and passed does not mean they are qualified to sell your home. With current market conditions being in flux the selling of your home and the buying of another means you need to go the extra mile in order to choose a good agent that is profession in every way and is knowledgeable about markets in the area surrounding Brampton Ontario.


Communicating With Your Real Estate Agent in Brampton

The art of communicating with your agent is an import part of your relationship. It helps to make the relationship stronger and ensures that the real estate agent is always available. Imagine the frustration of not being able to reach your real estate agent and not having phone calls returned. Sometimes they disappear for weeks at a time as they have forgotten to tell you they are on vacation and who is covering their listing while they are away.


For these reasons, it is imperative that the Brampton Realtors you choose to sell your Brampton Home can provide you with these communication tools before you enter into any real estate contract.


Give Good Advice

Having a Realtor that has a wide knowledge of different types of real estate transaction gives you a better chance of having your transaction proceed successfully. The more knowledgeable the real estate agent, the more likely you will be to get close to your asking price. Real estate agents in Brampton who have this knowledge are a precious commodity. Once found — never let them go!


Agents Who Get Kickbacks

There are agents who use specific lending companies or home inspection companies as they know they will receive a referral payment from them for getting a client to choose them. Although completely ethical, homeowners need to be wary of any agent who is pushing you to use the particular company they recommend and are unwilling to let you choose from a variety of different options.


Choose a Full-Time Real Estate Agent in Brampton

There are many Realtor who work at real estate part-time. Even though they have passed the real estate course many often need second and third jobs to cover their expenses. This means their priorities are often different than yours and you may not be at the top of their list. On the other hand, there are a rare few who will treat you and your goals as their main priority, but it’s often hard to tell.

Is your credit score perfect?

Is your credit score perfect?

If you pay your bills on time you have an excellent credit score, right? You may be surprised to hear that one in five consumers had errors on at least one of their three credit reports (Equifax, TransUnion and Experian.


Errors can arise in many ways. Hard-to-spell names, name changes after marriage or divorce and with the same name as a parent may have more than one credit report.


Incorrect birth dates can also pose a problem. Here in Canada we put June 3rd as 06/03 in some countries it should be the reverse.


Social insurance numbers are another issue, just one digit entered incorrectly can cause errors.


In a case mentioned in the Toronto Star article, John Smith, 24, paid his bills on time and was proud of the fact that he had an excellent credit record. Luckily for John, he checked his credit record before applying for a loan and found the cause. Seems there was an unpaid dept arising from a cable TV box he had rented years ago. He had tried to return it in 2016 and didn’t know that the package didn’t arrive by mail. He has since paid the balance in full, but the damage to his credit score appears to be done.


There is recourse if you are at an impasse with a credit granter over a debt. You can ask Canada’s two credit bureaus, Equifax and TransUnion, to intercede on your behalf as was the case with John. The issue was cleared up within two weeks.


Had he not checked his credit score prior to applying for a loan John could have been turned down by a major bank and forced to go to a lender with a higher interest rate.


Check your report once a year for errors or signs of identity theft. And ask the credit bureaus to correct any errors you they may find. It is your right to do so.


If you’re still not satisfied with a credit bureau investigation, you can ask to add a statement to your account. It might say that a debt arose from a dispute where you felt in the right and refused to pay it.


The Equifax Canada web site has a clear three-step processed and describes the documentation that is needed.