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Tips to Prepare and Maintain your Patio for Winter

Tips to Prepare and Maintain your Patio for Winter

Keeping your patio ready for the cooler months isn’t as simple as switching on the heater and adding a coat. In fact, with all the prep that goes into maintaining your outdoor space, you might question why you have one at all! But trust us on this: Keeping your patio in working order during the winter is worth it.You see, even though it can be harder to access than an indoor space, having a well-maintained outdoor area makes all the difference when you need to get out of the house. A tidy patio will also stay neat throughout winter thanks to these tips. Keep reading for helpful tricks to maintain your patio before winter arrives.

Maintaining Outdoor Spaces Before the Cold Arrives

The best way to ensure your patio is safe to use during the colder months is to prep it before it gets cold. This means cleaning the area thoroughly and storing any furniture that might get ruined during the winter, as well as making sure the patio’s surface is working properly. Clearing away leaves, debris, and cobwebs will not only help to make your patio look cleaner and more inviting, but it will also make it easier to clean if rainwater pools there. Plus, by cleaning your patio and checking its surface now before the colder weather, you have a much better chance of identifying any issues that may arise before they become a major problem. This is also the best time to make any repairs that need to be done to the patio, like replacing old or broken tiles or painting over chipped or faded areas.

Repair Chipped and Flaking Paint

If your patio is painted, you’ll want to make repairs to chipped and flaking areas before the colder weather arrives. This is especially important for wooden patios, since chipped or peeling paint may cause splinters. When painting wood, use a two-part polyurethane coating to protect it from moisture and the elements. Make sure to apply a primer to chipped, damaged, or bare areas before applying paint to avoid flaking, bubbling, and peeling. You’ll also want to avoid painting directly onto synthetic or concrete surfaces, as paint can be difficult to remove later.

Add New Coats of Protective Sealant

If you’ve applied protective sealant to your patio before, you’ll want to reapply it again before the colder months. Sealant protects against stains, water damage, and other causes of damage, so it’s essential for keeping your patio in good shape during the winter months. Look for sealants that will be effective in cold weather, as some are better than others at handling the freezing and fluctuating temperatures of winter.

Check for Leaks and Watering Issues

Before the winter arrives, you also want to make sure your patio isn’t leaking or watering excessively. Look for any signs of water damage, such as discoloration or mildew, and repair any leaks as soon as possible. This is also a good time to check for any broken or worn-out sprinkler heads. You may want to switch to an automatic watering system if the weather is expected to be cold enough to freeze your lawn.

Maintain a Clean Environment

Finally, you should also try to maintain a clean environment for your patio. Reduce the risk of pests, like ants or other insects, by cleaning up any crumbs or debris that may be lying around. This will also help to keep your patio looking tidy and clean. Of course, you’ll also want to watch the forecast and plan around any incoming weather. If you know a snowstorm is on the way, try to sweep off any areas that might collect snow.

Conclusion

Keeping your outdoor spaces maintained and ready for the cooler months is essential. It’s also important to note that you’ll want to follow these tips any time you notice your patio isn’t in the best shape. Of course, certain areas like your patio are more susceptible to damage during the winter months, so it’s best to stay on top of any maintenance issues you can identify early on. With these tips, you’ll be well on your way to keeping your patio in good shape through the winter and beyond.

We here at Capital Mortgages in Ottawa look forward to assisting you with all your Ottawa mortgage refinancing needs. Contact us today by calling us at: 613-228-3888 or email us direct at: info@capitalmortgages.com

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Tips for Buying a Home with a Mortgage Broker

What a Mortgage Broker Does

What a Mortgage Broker Does: Tips for Buying a Home

Capital Mortgages Inc is an independent brokerage in the Mortgage Centre Canada Network and one of Ontario’s leading real estate mortgage brokerages with offices in Ottawa and the valley.

What a mortgage broker does

The role of a mortgage broker is to find and guide you to the mortgage loan that best suits your needs and goals.

The main function of a mortgage broker is to market a variety of mortgage products, including fixed-rate mortgages, variable-rate mortgages, and home equity lines of credit. The mortgage broker is an independent individual who acts as the middleman between you and your lender.

You can choose to pay someone to help you find the best mortgage and real estate agent for you or you can do it yourself. The difference in cost is about $20 – $30 for every service. However, there is also a cost associated with navigating your mortgage. For example, you might not be familiar with all the terms and may need help understanding certain nuances.

Mortgage brokers work with many lenders

By working directly with many lenders in your specific field, your mortgage broker has a better chance of getting you the lowest mortgage rate and avoiding unnecessary fees.

Their greatest benefit: A higher approval rate

In Canada, 97 per cent of Canadians are approved for mortgage loans. The conventional industry average is 84 per cent.

Think of the mortgage broker as your personal ambassador to your lender.

They understand your finances and will negotiate on your behalf.

Here are the top factors your mortgage broker should take into consideration before giving you a quote:

  • Lender portfolio
  • Your credit score
  • Payment history
  • Income
  • Debt to income
  • Pensions and savings
  • Home value

A broker will explain your options

A good broker will not only explain the choices you have but also ask you questions, both to inform you of the best option and to get to know you better. A good broker will listen to your concerns, and needs, and tell you where you’re wrong. It is important that you feel comfortable with your broker, so make sure you ask him or her questions that you may not otherwise bring up with a vendor.

Choose the right mortgage broker

There are a number of factors to consider when looking for the right mortgage broker. For example, the time of the year when you need a mortgage can affect how quickly they can get you the paperwork done, so a summer month will give you more time for when you’ll need the funds.

Choose the right mortgage for you

As your mortgage broker, we are able to help you navigate the mortgage lending process to help you get the most for your money. Our expert team of mortgage brokers are trained to meet your needs and guide you through all aspects of the home buying process, so you can quickly and easily buy your dream home or business, purchase or refinance your mortgage and be on your way to home ownership.

Life is all about choice – When it comes to mortgages, you have the freedom to choose a mortgage that fits your current financial situation. We can help you find the mortgage that best suits your needs. Our mortgage brokers are here to guide you through the entire process – from meeting with lenders to finalizing the purchase or refinance your mortgage.

We here at Capital Mortgages look forward to assisting you with Ottawa mortgage needs. Contact us today by calling us at: 613-228-3888 or email us direct at: info@capitalmortgages.com

You can use these links to APPLY NOW or CONTACT US.

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Best Ottawa Mortgage Company: Capital Mortgages

Ottawa: A City Of Many Faces

At Capital Mortgages we strive to be your personal mortgage broker for life. By focusing on great solutions, compassionate relationships, and honest ethics, we are proud to experience an ever-increasing number of satisfied clientele.

Ottawa Facts

Population: 618,250 (2016) Population Percent of Canadian Population: 26.3% Population Percent of Provincial Population: 13.4% Average Residential Sales Price in Ottawa: $380,720 (2018) Average Remaining Life on Home: 15.4 years (2018) Ottawa is considered one of Canada’s most beautiful cities, with outstanding health care, growing cultural scenes, an exceptional array of museums, and the popular Rideau Canal. In the United States, Ottawa is known for the Heart of Ottawa, where hordes of tourists flock to spend their leisure time and money, and not one but two metro stations are located within the heart of the city.

Ottawa Geography

Ottawa is located in the central part of Canada, in the southern region of the country, about 640 km (400 mi) southeast of Toronto and 375 km (220 mi) southeast of Montreal. With a population of 2,631,824, the area covers 880 km (520 mi) of coast along the St. Lawrence River, with a majority of the province’s population being found in the eastern section of the province. The city is surrounded by the Ottawa River and the Rideau Canal, which was constructed by Governor Cornwallis in 1790. It connects the Ottawa River with the Ottawa River (also known as the Ottawa River) at the British side of the river and the Rideau Canal (part of the National Capital Commission) in Ontario. The combined area is about 25 km (15 mi) long.

Ottawa Neighbourhoods

If you’re looking for a new home in the city, we have great connections in these neighbourhoods. The Glebe By beginning your mortgage journey with us, you’ll have easy access to all the services you need, including: Home Inspector Lease Agreement Property Tax Payment Policies And Conditions Renters & Lease Signatures Windows: Voted Best in Ottawa Our agents have the knowledge to give you peace of mind when renting your home. Call today to learn more about how we can assist you with an Ottawa home listing.

Why is Ottawa a great place to live?

Our first Ottawa Facts below are all about the weather. During the colder months, Ottawa provides some of the most consistent weather in the country. As you may have heard by now, it’s the capital city of Canada, so you may have a short commute. Keep in mind, we may have rain showers here and there, but it usually won’t be during the daytime. We have the nation’s first woman-owned cannabis producer in the city. Ottawa has the largest public art museum in the nation, and is home to the oldest national park in North America. We may have Ottawa as the nation’s capital, but we have the largest population. Of course we have some of the country’s most diverse restaurant options.

In summation, Ottawa offers everything you and your family need.

We here at Capital Mortgages look forward to assisting you with Ottawa mortgage needs. Contact us today by calling us at: 613-228-3888 or email us direct at: info@capitalmortgages.com

You can use these links to APPLY NOW or CONTACT US.

You can also click here.