Top 10 des emplois les plus consultés! - Droit-Inc.com

Top 10 des emplois les plus consultés!  Droit-Inc.com

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Centre communautaire Peter-McGill : pas de pénalité à Devimco malgré le retard - La Presse

Centre communautaire Peter-McGill : pas de pénalité à Devimco malgré le retard  La Presse

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Collision mortelle entre un train et un véhicule à Montréal - Le Soleil - Groupe Capitales Médias

Collision mortelle entre un train et un véhicule à Montréal  Le Soleil - Groupe Capitales Médias

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OSFI considering new benchmark rate for uninsured mortgages

Changes could be on the horizon for uninsured mortgage qualification, in addition to those announced for insure mortgages

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Canadian Mortgage Awards 2020 finalists announced

Top honours for the mortgage industry will be presented on April 15 in Toronto. See who made the cut this year

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Calgary's stronger economy and wages to fuel housing activity

Steady recovery will be the running theme in the city's housing sector this year

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Regina homes have largely decreased in value since 2015

This trend might be reversing very soon, however

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Edmonton shelter to be rebuilt with federal, provincial funding

The Herb Jamieson Centre is slated for new construction this spring

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Je sors, je reste - Le Journal de Montréal

Je sors, je reste  Le Journal de Montréal

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Logement social: Montréal s'accorde la priorité d'achat de terrains - La Presse

Logement social: Montréal s'accorde la priorité d'achat de terrains  La Presse

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Changes to stress test announced

Minister of Finance announces a new benchmark rate for insured mortgages

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RE/MAX INTEGRA and CIBC Join Forces to Help Canadians Achieve Home Ownership Goals

CIBC and RE/MAX INTEGRA are pleased to announce they have entered into an exclusive partnership aimed at helping Canadians in Ontario and the Atlantic provinces achieve their goals of home ownership.

Through this partnership, RE/MAX clients will benefit from CIBC’s expert advice in choosing the right mortgage to meet their unique needs.

Whether a client is buying their first home, considering upsizing or downsizing from their current home, or looking to purchase an investment property, a CIBC Mobile Mortgage Advisor can provide RE/MAX clients with the expert advice at a time and place convenient to them.

“Owning their own home is a key personal and financial goal for many Canadians,” says Tracy Best, Senior Vice President, Mobile Advice, CIBC. “Through this partnership, people living in Ontario and Atlantic Canada can benefit from the combined strength of CIBC and RE/MAX INTEGRA to help them meet their ambition of owning a home.”

Partnering with CIBC means RE/MAX INTEGRA Brokers and Agents will have access to mortgage qualifications to help their clients know what they can afford before they start searching for a suitable home.

RE/MAX clients can also access CIBC’s online resources and calculators to help them through their home-buying journey as well as advice and expertise for broader banking, investing, and financial planning needs.

“Buying a home is one of the largest financial decisions people make,” says Christopher Alexander, EVP & Regional Director, RE/MAX INTEGRA, Ontario-Atlantic. “This partnership helps ensure all RE/MAX clients have access to trusted advisors to help make their home-buying decisions fit with their goals before they start their search.”

The post RE/MAX INTEGRA and CIBC Join Forces to Help Canadians Achieve Home Ownership Goals appeared first on Guide You Home.

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Lydia McNutt

RE/MAX INTEGRA and CIBC Join Forces to Help Canadians Achieve Home Ownership Goals

CIBC and RE/MAX INTEGRA are pleased to announce they have entered into an exclusive partnership aimed at helping Canadians in Ontario and the Atlantic provinces achieve their goals of home ownership.

Through this partnership, RE/MAX clients will benefit from CIBC’s expert advice in choosing the right mortgage to meet their unique needs.

Whether a client is buying their first home, considering upsizing or downsizing from their current home, or looking to purchase an investment property, a CIBC Mobile Mortgage Advisor can provide RE/MAX clients with the expert advice at a time and place convenient to them.

“Owning their own home is a key personal and financial goal for many Canadians,” says Tracy Best, Senior Vice President, Mobile Advice, CIBC. “Through this partnership, people living in Ontario and Atlantic Canada can benefit from the combined strength of CIBC and RE/MAX INTEGRA to help them meet their ambition of owning a home.”

Partnering with CIBC means RE/MAX INTEGRA Brokers and Agents will have access to mortgage qualifications to help their clients know what they can afford before they start searching for a suitable home.

RE/MAX clients can also access CIBC’s online resources and calculators to help them through their home-buying journey as well as advice and expertise for broader banking, investing, and financial planning needs.

“Buying a home is one of the largest financial decisions people make,” says Christopher Alexander, EVP & Regional Director, RE/MAX INTEGRA, Ontario-Atlantic. “This partnership helps ensure all RE/MAX clients have access to trusted advisors to help make their home-buying decisions fit with their goals before they start their search.”

The post RE/MAX INTEGRA and CIBC Join Forces to Help Canadians Achieve Home Ownership Goals appeared first on Guide You Home.

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Lydia McNutt

Ancienne maison Radio-Canada: les premiers condos en construction dès cet été - Le Journal de Montréal

Ancienne maison Radio-Canada: les premiers condos en construction dès cet été  Le Journal de Montréal

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Une école demandée sur l’ancien site de Radio-Canada pour «attirer des familles» - Métro Montréal

Une école demandée sur l’ancien site de Radio-Canada pour «attirer des familles»  Métro Montréal

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MACH et Devimco Immobilier scellent une entente pour la construction de 2 000 unités de condos dans le Quartier des lumières - CNW Telbec

MACH et Devimco Immobilier scellent une entente pour la construction de 2 000 unités de condos dans le Quartier des lumières  CNW Telbec

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Le tour du proprio : vues sur Montréal - La Presse

Le tour du proprio : vues sur Montréal  La Presse

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Immobilier: le PLQ veut ralentir la spéculation à Montréal - Conseiller.ca

Immobilier: le PLQ veut ralentir la spéculation à Montréal  Conseiller.ca

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La SCI fait son entrée dans les assurances-vie

La création d’une société civile immobilière (SCI) permet de faciliter la gestion d’un patrimoine immobilier et d’en préparer la transmission. Elle peut aussi, désormais,...

The post La SCI fait son entrée dans les assurances-vie appeared first on Blogue Immobilier : conseils et astuces.

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Blogue Immobilier

Taxer pour freiner la spéculation immobilière à Montréal? - LesAffaires.com

Taxer pour freiner la spéculation immobilière à Montréal?  LesAffaires.com

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Immobilier: le PLQ veut ralentir la spéculation à Montréal - Conseiller.ca

Immobilier: le PLQ veut ralentir la spéculation à Montréal  Conseiller.ca

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Canadian home sales down in January

Home sales declined between December 2019 and January 2019, according to the latest data from the Canadian Real Estate Association

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Canada's population growth is concentrated to just three cities

The imbalance is especially apparent when looking at immigration numbers

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Even wealthy Ontarians are finding costs increasingly unmanageable

Financial anxiety continues to transcend demographic barriers

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Canadian jobs confidence driving stronger purchasing power

The nation's unemployment rate remains at near historic lows

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Edmonton multi-family housing complex goes on sale

Over the next five years, the city’s housing market will likely accelerate due to inbound migration

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Ville-Marie repousse l’adoption d’un projet immobilier controversé - Métro Montréal

Ville-Marie repousse l’adoption d’un projet immobilier controversé  Métro Montréal

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Multiplication des modulaires dans les écoles : pourquoi n'a-t-on pas prévu le manque d'espace? - ICI.Radio-Canada.ca

Multiplication des modulaires dans les écoles : pourquoi n'a-t-on pas prévu le manque d'espace?  ICI.Radio-Canada.ca

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Logement social : Montréal lorgne 300 terrains - ICI.Radio-Canada.ca

Logement social : Montréal lorgne 300 terrains  ICI.Radio-Canada.ca

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Cirque du Soleil: Guy Laliberté passe à la Caisse - Le Journal de Montréal

Cirque du Soleil: Guy Laliberté passe à la Caisse  Le Journal de Montréal

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Logement social: Montréal s'accorde la priorité d'achat de terrains - La Presse

Logement social: Montréal s'accorde la priorité d'achat de terrains  La Presse

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Logement social : Montréal lorgne 300 terrains - ICI.Radio-Canada.ca

Logement social : Montréal lorgne 300 terrains  ICI.Radio-Canada.ca

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from "Immobilier Montréal" - Google Actualités https://ift.tt/3bNXnLF

Taxer pour freiner la spéculation immobilière à Montréal? - LesAffaires.com

Taxer pour freiner la spéculation immobilière à Montréal?  LesAffaires.com

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from "Immobilier Montréal" - Google Actualités https://ift.tt/37xby4x

Immobilier: le PLQ prône une taxe pour ralentir la spéculation - HuffPost Québec

Immobilier: le PLQ prône une taxe pour ralentir la spéculation  HuffPost Québec

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Le PLQ prône une taxe pour ralentir la spéculation immobilière - La Presse

Le PLQ prône une taxe pour ralentir la spéculation immobilière  La Presse

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Logement social: Montréal s'accorde la priorité d'achat de terrains - La Presse

Logement social: Montréal s'accorde la priorité d'achat de terrains  La Presse

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2uU5Zjh

Immobilier: le PLQ prône une taxe pour ralentir la spéculation - La Presse

Immobilier: le PLQ prône une taxe pour ralentir la spéculation  La Presse

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2Syatp0

Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Cirque du Soleil: la Caisse de dépôt rachète la part de Guy Laliberté - La Presse

Cirque du Soleil: la Caisse de dépôt rachète la part de Guy Laliberté  La Presse

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2SAtsz3

3 raisons de s’installer à Ancenis

Ancenis représente une commune rurale très attractive. Il se situe à l’est du département de la Loire-Atlantique. Chaque année, de nouvelles personnes viennent grossir...

The post 3 raisons de s’installer à Ancenis appeared first on Blogue Immobilier : conseils et astuces.

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Blogue Immobilier

Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Le «flip» Kovalchuk - Le Journal de Montréal

Le «flip» Kovalchuk  Le Journal de Montréal

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

https://ift.tt/eA8V8J
from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Une autre crise politique à Laval - La Presse

Une autre crise politique à Laval  La Presse

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

https://ift.tt/eA8V8J
from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Le groupe de Stephen Bronfman sera actionnaire des Rays d'ici l'été - Le Journal de Montréal

Le groupe de Stephen Bronfman sera actionnaire des Rays d'ici l'été  Le Journal de Montréal

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Technoparc: Québec favorise les intérêts privés des promoteurs, martèlent des écologistes - Métro Montréal

Technoparc: Québec favorise les intérêts privés des promoteurs, martèlent des écologistes  Métro Montréal

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Une bonne idée d'acheter un condo en Floride? - Le Journal de Montréal

Une bonne idée d'acheter un condo en Floride?  Le Journal de Montréal

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from "Immobilier Montréal" - Google Actualités https://ift.tt/3bHFgXX

Le marché immobilier canadien porté par les immigrants - Le Devoir

Le marché immobilier canadien porté par les immigrants  Le Devoir

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Expos: le proprio des Rays nie les propos de Bronfman - La Presse

Expos: le proprio des Rays nie les propos de Bronfman  La Presse

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Petit boisé, mais gros intérêt d'élus et de promoteurs de Laval - Le Journal de Montréal

Petit boisé, mais gros intérêt d'élus et de promoteurs de Laval  Le Journal de Montréal

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Le groupe de Stephen Bronfman sera actionnaire des Rays d'ici l'été - Le Journal de Montréal

Le groupe de Stephen Bronfman sera actionnaire des Rays d'ici l'été  Le Journal de Montréal

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2SrE8jB

Une autre crise politique à Laval - La Presse

Une autre crise politique à Laval  La Presse

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

https://ift.tt/eA8V8J
from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Affaires policières La police est de retour à Laval - Le Journal de Montréal

Affaires policières La police est de retour à Laval  Le Journal de Montréal

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Un projet immobilier suscite la controverse dans Ville-Marie - La Presse

Un projet immobilier suscite la controverse dans Ville-Marie  La Presse

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Une autre crise politique à Laval - La Presse

Une autre crise politique à Laval  La Presse

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

https://ift.tt/eA8V8J
from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Expos: le proprio des Rays nie les propos de Bronfman - La Presse

Expos: le proprio des Rays nie les propos de Bronfman  La Presse

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from "Immobilier Montréal" - Google Actualités https://ift.tt/37xwqbM

Petit boisé, mais gros intérêt d'élus et de promoteurs de Laval - Le Journal de Montréal

Petit boisé, mais gros intérêt d'élus et de promoteurs de Laval  Le Journal de Montréal

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2vmQ6SE

Un projet immobilier suscite la controverse dans Ville-Marie - La Presse

Un projet immobilier suscite la controverse dans Ville-Marie  La Presse

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2vj0haM

Une autre crise politique à Laval - La Presse

Une autre crise politique à Laval  La Presse

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2SjpFpX

Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

https://ift.tt/eA8V8J
from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Marché floridien : le temps de vendre… et d'acheter - La Presse

Marché floridien : le temps de vendre… et d'acheter  La Presse

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2SHSzyU

Petit boisé, mais gros intérêt d'élus et de promoteurs de Laval - Le Journal de Montréal

Petit boisé, mais gros intérêt d'élus et de promoteurs de Laval  Le Journal de Montréal

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2vmQ6SE

Sauver les apparences - La Presse

Sauver les apparences  La Presse

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

https://ift.tt/eA8V8J
from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

S'établir dans les Laurentides : un rêve accessible - La Presse

S'établir dans les Laurentides : un rêve accessible  La Presse

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Actionnaires des Rays d'ici l'été - Le Journal de Montréal

Actionnaires des Rays d'ici l'été  Le Journal de Montréal

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Ville-Marie repousse l’adoption d’un projet immobilier controversé - Métro Montréal

Ville-Marie repousse l’adoption d’un projet immobilier controversé  Métro Montréal

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2voqRiE

Guzzo se paie un bolide à 200 000 - Le Journal de Montréal

Guzzo se paie un bolide à 200 000  Le Journal de Montréal

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Ville-Marie repousse l’adoption d’un projet immobilier controversé - Métro Montréal

Ville-Marie repousse l’adoption d’un projet immobilier controversé  Métro Montréal

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2voqRiE

S'établir dans les Laurentides : un rêve accessible - La Presse

S'établir dans les Laurentides : un rêve accessible  La Presse

https://ift.tt/eA8V8J
from "Immobilier Montréal" - Google Actualités https://ift.tt/2UFnJtg

Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

https://ift.tt/eA8V8J
from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Communauté noire anglophone de La Petite-Bourgogne : la grande oubliée - ICI.Radio-Canada.ca

Communauté noire anglophone de La Petite-Bourgogne : la grande oubliée  ICI.Radio-Canada.ca

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Namur-Hippodrome : la CCMM invite la Ville à saisir l'occasion de créer un quartier de référence inclusif et écologique - CNW Telbec

Namur-Hippodrome : la CCMM invite la Ville à saisir l'occasion de créer un quartier de référence inclusif et écologique  CNW Telbec

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S'établir dans les Laurentides : un rêve accessible - La Presse

S'établir dans les Laurentides : un rêve accessible  La Presse

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from "Immobilier Montréal" - Google Actualités https://ift.tt/2UFnJtg

Une bonne dette, ça existe - Le Journal de Montréal

Une bonne dette, ça existe  Le Journal de Montréal

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Hope Hicks, ancienne proche conseillère de Trump, est de retour - Le Journal de Montréal

Hope Hicks, ancienne proche conseillère de Trump, est de retour  Le Journal de Montréal

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

https://ift.tt/eA8V8J
from "Immobilier Montréal" - Google Actualités https://ift.tt/2ShFi0O

Une bonne dette, ça existe - Le Journal de Montréal

Une bonne dette, ça existe  Le Journal de Montréal

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S'établir dans les Laurentides : un rêve accessible - La Presse

S'établir dans les Laurentides : un rêve accessible  La Presse

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Quels diagnostics obligatoires en location ?

Le propriétaire-bailleur doit remettre à son locataire certains diagnostics immobiliers. La liste n’est pas exactement la même que celle nécessaire

L’article Quels diagnostics obligatoires en location ? est apparu en premier sur Info Immo.

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Maxime

TD Bank moving forward with first Big Six RMBS deal

The latest widely marketed deal seen as a stepping stone to increasing Canadian interest in residential mortgage-backed securities

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Is your organization a top mortgage workplace?

A few weeks left to take part in CMP's annual iconic report

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Toronto multi-residential market drew in massive investment last year

The sector is further inflamed by low vacancy, scarce supply, and rental upside

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Real estate development will go higher and greener this decade

Demographic changes in the Canadian workforce to play a central role in driving this trend

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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S'établir dans les Laurentides : un rêve accessible - La Presse

S'établir dans les Laurentides : un rêve accessible  La Presse

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Comment bien choisir son programme immobilier

Vous êtes actuellement à la recherche d’un programme immobilier qui colle à votre profil ? Cependant, vous hésitez à vous lancer à cause de...

The post Comment bien choisir son programme immobilier appeared first on Blogue Immobilier : conseils et astuces.

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Blogue Immobilier

Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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S'établir dans les Laurentides : un rêve accessible - La Presse

S'établir dans les Laurentides : un rêve accessible  La Presse

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Projet immobilier sur l’ancien site de l’entrepôt Métro «approuvé par les personnes habiles à voter» - Métro Montréal

Projet immobilier sur l’ancien site de l’entrepôt Métro «approuvé par les personnes habiles à voter»  Métro Montréal

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How Much Will It Cost to Buy a House?

You’ve likely heard people lauding the benefits of home ownership. Canadian real estate has historically seen solid long-term gains, which bodes well for existing home owners and those who plan to buy for the long term. Other benefits of owning a home – a roof over your head, a place to plant your roots, pride of ownership, a retirement plan, the list is long and varied. However, as with all investments, there is the initial cost of owning a house in Canada, and unlike other investment vehicles, a home required ongoing costs as well. So, how much will it cost to buy a house? The price of the home and the services associated with the purchase are all relative to the type of property and its location, so do your research to ensure this remains an affordable investment. A real estate agent is a great resource to outline all your expected expenses, and some unexpected ones as well. In the meantime, here are some expenditures to factor into your budget.

Deposit

Depending on the price of a home and the market conditions, you should factor an up-front deposit into the cost of buying a home. The deposit acts as a security measure to ensure you don’t lose the home to another interested buyer. The deposit also acts as assurance to the seller that you’re serious about the purchase. If you are required to pay a deposit, it will become part of your down payment once you have purchased the home. There’s no standard deposit amount, but your real estate agent can advise you on this based on the home’s asking price and the market conditions.

Down Payment

 In Canada, the minimum down payment on a home depends on the purchase price. If the home is below $500,000, the minimum down payment will be five per cent. If the price is from $500,000-$999,999, the down payment is five per cent on the first $500,000, and 10 per cent on the remaining amount. While five per cent is the minimum down payment, anything below 20 per cent is considered a high-ratio mortgage and requires mortgage loan insurance. To avoid paying this, you’ll need a down payment of 20 per cent or more.

Land Transfer Tax

When you buy a home, you are required to pay a land transfer tax on closing. This tax is based on the amount paid for the property, as well as the remaining amount on any mortgage or debt assumed as part of the arrangement to buy it. Cost will vary depending on your municipality, the size of the land and other factors. Alberta, Saskatchewan, and parts of Nova Scotia do not have Land Transfer Tax at all, while other provinces use a tiered system. Meanwhile, homebuyers in Toronto are hit with a double-whammy, having to pay a municipal land transfer tax on top of the provincial land transfer tax.

Appraisal Fee

A property appraisal will normally cost in the ballpark of $300, but cost can vary depending on the appraiser and your location. However, this is an essential step, saving you from borrowing more than you need to, and preventing lenders from giving you too much.

Home Inspection

A home inspection is a recommended step in the home buying process, helping you avoid many potential pitfalls. A failed home inspection could be a negotiating factor or a deal-breaker. A home inspection will normally cost an average of $350 depending on the size, age and condition of the home, but it’s well worth the spend for the peace of mind you’ll have.

Property Insurance

While property insurance is likely already something you have factored into your budget, it’s important to do your research and find a reasonable quote that will ensure you are covered should anything unexpected happen.

Mortgage Insurance

There is mortgage life insurance, which is designed to ensure the repayment of your mortgage, should anything happen to you. Then there is also mortgage loan insurance, which protects the lender against mortgage default. Mortgage loan insurance is required if your down payment is less than 20 per cent of the purchase price. Premiums for this type of insurance range from 0.6 per cent to about 4.5 per cent.

Lawyer Fees

The fee you will be charged by your lawyer will vary depending on the person representing you and must be paid upon closing. Ask your real estate agent for advice as they likely have a preferred trusted lawyer they can refer you to.

Title Insurance

Title insurance is a one-time fee that provides protection from losses related to the properties title or ownership.

Property Taxes

Property tax is billed annually, and is is expressed as a dollar rate for every $1,000 estimated to be the market value of your property. The tax is paid on property owned by an individual or an entity, and is one of three taxes that a household pays in Canada, the others being sales tax and income tax. When you’re looking at homes to purchase, your real estate agent will be able to tell you what the property tax was for previous years. This will allow you to plan for this ongoing expense.

Maintenance and Energy Costs

Potentially your largest ongoing homeowner expense, these costs include lawn care/ yard work, professional services, additions/upgrades and the cost of keeping the house running year-round.

Moving Expenses

It’s easy to forget about the small things when moving, but it’s important to remember they can add up quickly! Consider the cost for phone, electricity, and other utility installations and don’t forget about movers, a moving truck and feeding your friends who are helping out!

Now that you have a better idea of the cost to buy a home, it’s time to hit the books to find out how much these services will cost in your area. Make a list, create a budget, and get started!

The post How Much Will It Cost to Buy a House? appeared first on Guide You Home.

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Lydia McNutt

How Much Will It Cost to Buy a House?

You’ve likely heard people lauding the benefits of home ownership. Canadian real estate has historically seen solid long-term gains, which bodes well for existing home owners and those who plan to buy for the long term. Other benefits of owning a home – a roof over your head, a place to plant your roots, pride of ownership, a retirement plan, the list is long and varied. However, as with all investments, there is the initial cost of owning a house in Canada, and unlike other investment vehicles, a home required ongoing costs as well. So, how much will it cost to buy a house? The price of the home and the services associated with the purchase are all relative to the type of property and its location, so do your research to ensure this remains an affordable investment. A real estate agent is a great resource to outline all your expected expenses, and some unexpected ones as well. In the meantime, here are some expenditures to factor into your budget.

Deposit

Depending on the price of a home and the market conditions, you should factor an up-front deposit into the cost of buying a home. The deposit acts as a security measure to ensure you don’t lose the home to another interested buyer. The deposit also acts as assurance to the seller that you’re serious about the purchase. If you are required to pay a deposit, it will become part of your down payment once you have purchased the home. There’s no standard deposit amount, but your real estate agent can advise you on this based on the home’s asking price and the market conditions.

Down Payment

 In Canada, the minimum down payment on a home depends on the purchase price. If the home is below $500,000, the minimum down payment will be five per cent. If the price is from $500,000-$999,999, the down payment is five per cent on the first $500,000, and 10 per cent on the remaining amount. While five per cent is the minimum down payment, anything below 20 per cent is considered a high-ratio mortgage and requires mortgage loan insurance. To avoid paying this, you’ll need a down payment of 20 per cent or more.

Land Transfer Tax

When you buy a home, you are required to pay a land transfer tax on closing. This tax is based on the amount paid for the property, as well as the remaining amount on any mortgage or debt assumed as part of the arrangement to buy it. Cost will vary depending on your municipality, the size of the land and other factors. Alberta, Saskatchewan, and parts of Nova Scotia do not have Land Transfer Tax at all, while other provinces use a tiered system. Meanwhile, homebuyers in Toronto are hit with a double-whammy, having to pay a municipal land transfer tax on top of the provincial land transfer tax.

Appraisal Fee

A property appraisal will normally cost in the ballpark of $300, but cost can vary depending on the appraiser and your location. However, this is an essential step, saving you from borrowing more than you need to, and preventing lenders from giving you too much.

Home Inspection

A home inspection is a recommended step in the home buying process, helping you avoid many potential pitfalls. A failed home inspection could be a negotiating factor or a deal-breaker. A home inspection will normally cost an average of $350 depending on the size, age and condition of the home, but it’s well worth the spend for the peace of mind you’ll have.

Property Insurance

While property insurance is likely already something you have factored into your budget, it’s important to do your research and find a reasonable quote that will ensure you are covered should anything unexpected happen.

Mortgage Insurance

There is mortgage life insurance, which is designed to ensure the repayment of your mortgage, should anything happen to you. Then there is also mortgage loan insurance, which protects the lender against mortgage default. Mortgage loan insurance is required if your down payment is less than 20 per cent of the purchase price. Premiums for this type of insurance range from 0.6 per cent to about 4.5 per cent.

Lawyer Fees

The fee you will be charged by your lawyer will vary depending on the person representing you and must be paid upon closing. Ask your real estate agent for advice as they likely have a preferred trusted lawyer they can refer you to.

Title Insurance

Title insurance is a one-time fee that provides protection from losses related to the properties title or ownership.

Property Taxes

Property tax is billed annually, and is is expressed as a dollar rate for every $1,000 estimated to be the market value of your property. The tax is paid on property owned by an individual or an entity, and is one of three taxes that a household pays in Canada, the others being sales tax and income tax. When you’re looking at homes to purchase, your real estate agent will be able to tell you what the property tax was for previous years. This will allow you to plan for this ongoing expense.

Maintenance and Energy Costs

Potentially your largest ongoing homeowner expense, these costs include lawn care/ yard work, professional services, additions/upgrades and the cost of keeping the house running year-round.

Moving Expenses

It’s easy to forget about the small things when moving, but it’s important to remember they can add up quickly! Consider the cost for phone, electricity, and other utility installations and don’t forget about movers, a moving truck and feeding your friends who are helping out!

Now that you have a better idea of the cost to buy a home, it’s time to hit the books to find out how much these services will cost in your area. Make a list, create a budget, and get started!

The post How Much Will It Cost to Buy a House? appeared first on Guide You Home.

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Lydia McNutt

Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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Responsable de projets en bâtiment : Offres d'emploi du Québec - Arrondissements.com

Responsable de projets en bâtiment : Offres d'emploi du Québec  Arrondissements.com

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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Canada’s tallest condo tower coming to downtown Toronto

The newest addition to the Toronto skyline will rise more than 1,000 feet over Lake Ontario

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Financial stressors continue to loom over Canadians' twilight years

Working Canadians say that they will be able to save up less than 70% of the amount needed for a secure retirement

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Immigration continues to supercharge the engines of Canadian housing

Nearly half of the newcomers to Canada last year went to Ontario

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Calgary rental housing complex gets greenlighted with federal funding

Lower-end units will be the bedrock of the city’s housing market performance this year

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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Trop stressé, le marché immobilier? - Conseiller.ca

Trop stressé, le marché immobilier?  Conseiller.ca

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Le marché immobilier canadien porté par les immigrants - Le Devoir

Le marché immobilier canadien porté par les immigrants  Le Devoir

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Le marché résidentiel montréalais démarre 2020 avec des records - Le Devoir

Le marché résidentiel montréalais démarre 2020 avec des records  Le Devoir

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Housing Affordability in Canada: 75% of Regions “Undervalued”

Despite housing affordability, many buyers being priced out of the market

• 62 per cent of brokers surveyed in major Canadian cities are seeing buyers priced out of their market; however, 75 per cent of brokers agree that their market is undervalued
• Based on average household income rates and monthly percentage allocated to housing, Canadians can afford homes

Despite the commonly held notion that housing in Canada is unaffordable, a majority of Canada’s largest cities (75 per cent) are currently undervalued, according to the 2020 RE/MAX Housing Affordability Report.

The latest RE/MAX report examines a variety of housing affordability factors and how they impact Canadians’ ability to buy, particularly first-time buyers.

“Despite the many challenges that continue to plague Canadians when it comes to the prospect of home ownership, such as record debt loads, there is promising opportunity across the country to enter the market,” says Christopher Alexander, Executive Vice President and Regional Director, RE/MAX of Ontario-Atlantic Canada. “That said, the national housing market still has challenges to overcome, especially in centres like Toronto where demand is far outstripping supply, pushing prices up considerably as a result. We need to continue to push for an increase in housing supply for buyers and renters, but we have yet to see a comprehensive national housing strategy to help facilitate this shift.”

A Leger survey conducted on behalf of RE/MAX reveals that surprisingly, only 38 per cent of Canadians claim that the high price of real estate is one of the biggest obstacles preventing them from buying a home. Also on their list was an insufficient salary level preventing them from saving for a down payment (26 per cent) and a fear of rising interest rates (17 per cent). Meanwhile, the majority of RE/MAX brokers (56 per cent) claim that low or shrinking inventory is a more common factor.

Emerging trends like co-ownership with friends and family have become common in hot markets such as Vancouver and Toronto, in order to overcome the hurdle of high housing prices. In regions such as Brampton, Edmonton and Ottawa, sharing a single-family home between two families, dividing the floors between them, or children seeking financial support from parents for down payments are becoming more common practices.

Of the regions surveyed, Winnipeg, Regina and Halifax are currently the most affordable markets, with average sales prices of $281,105, $301,473 and $319,071 respectively. Vancouver, Toronto and Mississauga are currently the least affordable regions in Canada, with average sales prices of $1,195,923, $883,520 and $760,005 respectively.

All levels of government must work together to find a solution to Canada’s inventory issue, as the market will remain elusive for many otherwise,” says Elton Ash, Regional Executive Vice President, RE/MAX of Western Canada. “In the interim, working with experienced, professional agents can provide insight into creative and effective ways to navigate the current housing landscape.

In Toronto, factors such as the OSFI mortgage stress test, listing shortages, rising prices and saving enough for a down payment are cited as preventing buyers from purchasing property. Buyers in this region are primarily looking to purchase condominiums, but as one of Canada’s least affordable housing markets, they continue to be priced out.

Despite recent price depreciation, Vancouver continues to experience affordability challenges. The mortgage stress test as well as government taxation policies are the leading factors preventing home ownership. Similar to Toronto, buyers are predominantly looking for condominiums, followed by townhomes as more affordable options.

Directly contrasting Vancouver is Regina, which is currently the most affordable city in Canada with a total average sale price of $301,473 and on average, only 12 per cent of monthly income required to carry a typical mortgage in the area. First-time buyers typically look for single-detached homes. Given the undervaluation of the market, co-ownership with friends and family has not been a typical practice. Buyers do not report being priced out of this market, which has seen Canada’s most affordable housing prices for the past seven years.

Halifax, another highly affordable region, is also currently exempt from experiencing the affordability challenges seen in other regions across Canada. In this fairly valued market, buyers do not report being priced out of the market, struggling through the mortgage stress test, or needing to implement creative tactics to enhance affordability.

ADDITIONAL INSIGHTS FROM THE LEGER SURVEY INCLUDE:

• Two in 10 Canadians plan to purchase a home, with four per cent planning to buy in the next year
• Excluding mortgage, three in 10 Canadians have consumer debt, averaging about $24,000
• One-quarter (24 per cent) of Canadians without a mortgage have enough money for a down payment
• Nearly half of Canadians (42 per cent) believe that housing affordability across the country would improve with government intervention, such as a national housing strategy
• Of the seven in 10 (68 per cent) of Canadians who do not currently own a home and do not feel they will be able to afford one in their desired neighbourhood, barriers include:
  • High price of real estate (38 per cent)
  • Salary is not enough to save for down payment (26 per cent)
  • Fear of rising interest rates (17 per cent)
  • Level of household debt (15 per cent)

REGIONAL HOUSING AFFORDABILITY INSIGHTS

#1 REGINA, SASKATCHEWAN

Regina real estate is currently seen as undervalued, with a total average sale price of $301,473. First-time home buyers are typically looking for single-detached homes as their property of choice. Read more…

#2 WINNIPEG, MANITOBA

Winnipeg real estate is viewed as undervalued when compared to other metropolitan cities across Canada. On the flip side, when looking at the current market and listing prices, Winnipeg is over valued as many sellers purchased their homes in a seller’s market and are just now settling into their correct price points. Read more…

#3 EDMONTON, ALBERTA

Edmonton real estate is currently regarded as undervalued. The implementation of the Federal mortgage stress test has unintended consequences in how it impacted Canadian homeowners. Read more…

#4 HALIFAX, NOVA SCOTIA
Halifax real estate is considered to be undervalued when compared to other cities in Canada. With a 2019 average sale price of $319,071, the housing market in Halifax remains stable and the economy is steady. Read more…

#5 WINDSOR, ONTARIO
Windsor real estate is currently regarded as undervalued, based on high demand and lack of housing supply, particularly in the resale home sector. This is especially the case in the single-detached and townhome segments, which are favoured by homebuyers. Read more…

#6 OTTAWA, ONTARIO
Ottawa is currently accurately valued, with a total average sale price of $441,693 in 2019. Condominiums and townhomes are the two favourite property types for first-time homebuyers, with the former typically listed at an affordable price range of $200,000 to $350,000. Read more…

#7 CALGARY, ALBERTA

Calgary is currently an undervalued market due to the prolonged recession facing the province. The total average sale price currently sits at $484,601. First time home buyers are most commonly seeking condominiums, which range on average from $140,000 to $300,000. Read more…

#8 LONDON, ONTARIO
London real estate is currently considered to be undervalued, with an average sale price of $416,644. Because of its affordable prices, first-time homebuyers are active across all property types when entering the London real estate market. Read more…

#9 OSHAWA, ONTARIO
Unlike many regions across Canada, Oshawa real estate is currently accurately valued, with the average price of homes in 2019 coming in at $509,446. First-time homebuyers typically seek townhomes, which fall in the average range of $300,000 to $400,000, and semi-detached homes with an average price of $350,000 to $450,000. Read more…

#10 HAMILTON, ONTARIO
Hamilton real estate is currently considered to be undervalued, with a 2019 average sale price of $535,843. When compared to cities that are of a similar distance from Toronto, Hamilton homes are generally set at a lower price point, with more than 50 per cent of stock found below the $600,000 threshold. Read more…

#11 KITCHENER-WATERLOO, ONTARIO
Kitchener Waterloo real estate is currently classified as undervalued, with an average sale price of $527,718. The region is attracting high-valued employers in the tech sector. This, coupled with two world-renowned universities, is credited with Kitchener-Waterloo’s continued growth, in lockstep with the job market and wages. Read more…

#12 VICTORIA, BRITISH COLUMBIA

Victoria real estate is currently regarded as overvalued due to the standard mortgage qualifications of income, down payment, and credit card ratings required with higher average sale prices, in addition to the mortgage stress test. Read more…

#13 BRAMPTON, ONTARIO
Brampton real estate is currently considered to be undervalued when compared to the rest of Peel Region and the Greater Toronto Area as a whole. The average 2019 sale price in Brampton was $726,948. The region’s high level of liveability is being credited with rising demand for homes, and in turn, rising prices. Read more…

#14 MISSISSAUGA, ONTARIO
Mississauga real estate is currently considered to be undervalued, with an average 2019 sale price of $760,005. Easy access to public transit, three major highways, and close proximity to Toronto Pearson Airport make it a well-connected and in-demand city, attracting big business and homebuyers alike. Read more…

#15 TORONTO, ONTARIO
Toronto real estate is considered to be fairly valued, but affordability remains a challenge. The average 2019 sale price was $883,520. Toronto homebuyers reported being priced out of the market, and first-time homebuyers are also facing added pressures including the mortgage stress test, saving enough for a down payment, a shortage of listings and rising condo prices. Read more…

#16 VANCOUVER, BRITISH COLUMBIA

Vancouver experienced an overvalued market towards the end of 2019 after seeing lower-than-average prices earlier in the year due to the tightened mortgage stress tests, new government policies and taxes and buyers holding to see how the latter and former would impact prices. Read more…

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RE/MAX Canada