Securing a mortgage is a significant financial commitment that requires careful planning and consideration. As a homeowner in Canada, it's essential to develop an effective mortgage payment strategy to manage your debt responsibly and achieve long-term financial stability. In this blog, we will explore the...
The Home Buyers' Plan (HBP) is a program offered by the Government of Canada that allows first-time home buyers to use their Registered Retirement Savings Plan (RRSP) to help fund the down payment on their home. The HBP is designed to help make home ownership...
When it comes to buying a home, there is a big difference between working with a mortgage broker and a bank advisor. While both may offer similar services, the benefits of working with a mortgage broker are very important when it comes to getting the...
Buying a home for the first time can be an exciting and overwhelming experience. There are many factors to consider, from finding the right location and type of property to securing a mortgage and navigating the legal process. As a first-time home buyer in Canada,...
When buying a new home, you’ll want to check for red flags that could indicate future problems. Your inspection is critical to finding anything that might be hidden or overlooked by less diligent buyers. However, with new technologies and home design strategies being used more...
You’re super excited to move into a new home, but it comes with a catch. You need to pack up your old home and move into the new one in only a few days. So much for that plan of slowly moving things over time....
5 Ways to Increase Your Property Value When you buy a home, one of your primary goals is to make equity in that property and sell it for more than you bought it for someday. However, not everyone who buys a home does so with that...
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...
It’s almost February, and you know what that means -- Valentine’s Day is just around the corner. Whether you like to shower your loved one with gifts or prefer a more low-key celebration, there are lots of romantic places in Ottawa to visit on this...
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...
The beginning of every new year presents a blank page -- a fresh start which offers you the chance to begin the year on the best foot. If you hope to become more financially savvy in 2019, then take a look at these top financial...
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...
Ottawa is truly beautiful in the fall. The leaves on the trees turn from green to breathtaking shades of russet, ochre and crimson, while the crisp fall air provides a refreshing change from the humidity of summer. Fall is a time of transition, and this...
Last week a series of tornadoes touched down in the Ottawa/Gatineau region leaving destruction in their wake. Many residents suffered days without power, while others were left completely without shelter as the tornadoes caused irreparable damage to their homes. Our thoughts go out to those...
Congratulations on your beautiful new home! Now, you face the less-than-fun part: Packing all of your many belongings so they can safely arrive at your new place. This is easier said than done, but here are a few tips to ensure your move is streamlined...
Spring is upon us, and with the fresh spring air (and hint of warmer weather) typically comes the cleaning bug. Is your goal to clean smarter this year? Throw open those windows, turn on your fans and use these brilliant tips to tackle spring cleaning...
They say a person’s home is their castle and that being healthy is being wealthy. There’s a natural fit between health and home — and the importance of both in our quality of life — which is why a new, unique partnership between HealthPartners and Capital...
There are a number of reasons why you might consider refinancing your property. One of these could be to capitalize on the equity you’ve built up in your home. For example, using the equity in your home can be a lower cost way of accessing...
Most first-time homeowners who get good deals do so because they speak to a qualified mortgage broker like those at Capital Mortgages, who make the process of buying a home a walk in the park. The captivating nature of a dream home is hard to downplay....
Many first time home buyers are so eager to join the "home ownership club" that they do not consider the true costs of home ownership. The cost of home ownership is more than just the amount you pay each month for your mortgage. Most people just...
Undoubtedly, purchasing a house of your very own is one of the most amazing feelings in the world. However, new homeowners are likely to find a great deal of trouble when it comes to managing the finances, the new space, as well as everything that...