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buying a home Tag

The Debate: Live in the Suburbs or Live in the City? When it comes to the suburbs vs. city debate, the two are like night and day. The suburbs are typically quiet with wide streets and plenty of green space, while the city is busy with...

Ottawa is the capital of Canada Firstly, Ottawa was the capital city of Canada from 1844 to 1857. It became the national capital in 1867, after having been the capital city of Upper Canada from 1841 to 1843. Ottawa has the largest science museum in North...

The term “rate hold” may be something you are familiar with if you have worked with us in the past. If not, it is a term that all prospective buyers should know!   A rate hold is offered by the majority of lenders to clients who are...

Applying for your first mortgage can be a stressful time. You have got your sights set on your ideal first home, and the only thing that stands in the way of making it yours is the bank’s decision to approve your mortgage request. This can...

It’s a trend that’s becoming concerningly popular: Many homeowners are now opting to re-borrow all or part of what they have already paid off on their home mortgages in order to finance lifestyle purchases. While some people are extremely vigilant in managing the implications involved...

We believe that buying a home is one of life’s most memorable experiences. Everyone who works on the team at Capital Mortgages is here because we are passionate about helping people own their dream home! This week, we want to introduce you to the Partners...

Mortgage brokers are independent, trained professionals licensed to represent you and provide you with honest unbiased mortgage advice. Due to their experience and connections within the mortgage industry, mortgage brokers have the knowledge required to present a proposal for financing to lenders in the best...

If you have recently bought your first home -- congratulations! It is a milestone worth celebrating and one that may have been a number of years in the making while you saved up your down payment and searched for the perfect place. Now that you...

Congratulations! You’ve decided to take the plunge into homeownership and purchase your first home. Now, you have all the excitement of house-hunting and finding your perfect home to look forward to! However, there are some bumps you may encounter along the way if you aren’t...

Your relationship with your mortgage broker does not just cover the purchasing of your first home. If you have a good relationship with your mortgage broker, it should exist for the entirety of your adult home-buying life. Purchasing a home can be an overwhelming and...

The mortgage world can be a tricky one to enter. As interest rates keep fluctuating and qualifying rules keep changing, you can be left feeling thoroughly confused and overwhelmed. Don’t worry! Our expert team of Capital Mortgages agents and brokers are here to help. Have...

Buying your first home can be an overwhelming venture. If you are not financially-savvy, then terms such as ‘amortization period’ and ‘variable-rate mortgage’ may have you scratching your head in confusion. To help ease some of your worries, our expert team of brokers at Capital...

It’s that time of year again! The holiday season is upon us. No doubt you have a long list of gifts to buy for all the important people in your life. If some of those people are new homeowners, they will likely be looking forward...

There are a number of energy-saving methods and behaviours that can easily be implemented within your home environment. The benefits of these are twofold: they will save you money on utilities and will help to protect the environment. Whatever drives your decision to start reducing...

Your relationship with your partner will experience many exciting milestones: your first kiss, moving in together, getting engaged, having children… But one of the most important steps in your relationship will be buying a home together and getting your first mortgage. A home will likely...

If this is your first time getting a loan or mortgage, the process can seem overwhelming. To make it simpler, we've broken the process down into five easy-and important-steps:   Determine a borrowing budget You'll want to be realistic about what amount you can borrow based on your...

Whether you have just moved into your first home and need to put together a kit of cleaning supplies, or your existing tools need an update, we’ve put together a comprehensive list of the most important and essential cleaning tools to keep your home tip...

Are you downsizing to a smaller home this year? Perhaps your children have flown the nest, or maybe you’re finding it difficult to maintain such a large home -- either physically or financially. Whatever the reason, there are a few things you should take into...

Are you a newcomer to Ottawa? Welcome! We love this city, and are pretty certain you will love it too. Whether you enjoy adventuring outdoors or prefer to stay within city limits, Ottawa has something fun to offer everyone. If you haven’t visited our fair...