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.

Tips for Downsizing to a Smaller Home

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 consideration when looking to downsize. Here are a few of our Capital Mortgages top tips for downsizing to a smaller home:

 

Make an inventory

Taking an inventory of existing items is a good way to see what you have and what you want to keep, discard, sell, or donate. You may find that you have a number of duplicate items: the kitchen is the worst area for this! Do you really need all three pairs of salad tongs?

 

Sell unwanted items

Selling off your large or unwanted items is a good way to make a little bit of extra money while you downsize. This extra cash could then be used towards new, more appropriate items, for your new space. Online marketplaces are a great place to list your unwanted items. You can also donate certain items, or ask family members if there is anything they would be interested in taking.

 

Measure, measure, measure!

Take note of the dimensions of your new smaller home as well as your existing furniture. Before you move, you should know which furniture items will easily fit into the new space which will just be too big.

 

Look for storage solutions

Does your new home have a lot of storage space? If not, look to update the space with innovative storage solutions, such as under-bed storage, hanging racks and built-in shelves.

 

Pack as you go

Move through your house room by room, assessing items and packing as you go. It helps to start in a room that you don’t use very often, such as the basement or guest room. Once you’ve gone through one room, try and get rid of the items quickly — whether you are packing, donating, or selling them. This stops you from going back and changing your mind. For more tips, read our blog on the best packing tips when moving home!

 

Ask questions

Some good questions to ask yourself as you pack could include:

  • When was the last time I used this item?
  • Can I see it fitting into my new life at my new home?
  • Does this item have sentimental value that can’t be replaced?
  • Could I get by without this item?

 

Downsizing can seem like a daunting task, but hopefully these tips will make the job seem less overwhelming. For any information you may require regarding a new or existing mortgage, we can help! We work with over 35 lenders to secure the best financing for your needs. Don’t hesitate to contact Capital Mortgages today.

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.

The Best Things To Do in Ottawa for Newcomers

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 city before, there are a number of things that should be on your Ottawa to-do list. Here are a few of our favourites:

 

Parliament Hill

What’s a trip to the nation’s capital without a trip to Parliament Hill? Parliament is one of Ottawa’s top attractions and a must-see for any first time visitor to the city. There is always an interesting event happening on the Hill! In the summer months, make sure to catch Northern Lights, the stunning Sound and Light Show. This incredible show projects colourful visual displays onto the Parliament Buildings to the sound of music and spoken words.

 

Rideau Canal

Whether you visit in the summer or winter months, the Rideau Canal should definitely be on your list! In the winter, the Canal is turned into the longest ice skating rink in the world! Nothing beats a hot chocolate and a Beavertail on the frozen Canal after a refreshing icy skate. During summer, take a boat cruise along the Canal, which travels directly through Ottawa’s downtown core.

 

Museums

Ottawa has a number of world-class museums, whatever your interests may be! Learn all about Canadian military history at the Canadian War Museum, be amazed by the beautiful works of art at the National Gallery of Canada, and have fun learning something new at the Canada Science and Technology Museum!

 

Adventures on the Ottawa River

More of the outdoorsy type? Head for a whitewater adventure on the Ottawa River! There are options to raft or kayak, in both the city and further down the river about an hour’s drive from downtown Ottawa. Whether you’re a seasoned thrillseeker or are just looking to dip your toe (pun intended!) into something new, you’ll find the perfect whitewater experience for you.

 

Cycling

One of the most scenic ways to enjoy Ottawa’s sights is by bike! Ottawa has a number of bike paths running all over the city, making it a breeze to travel across the city. On Sunday mornings in the summer, the National Capital Commission (NCC) closes a number of roads to keep them free for cyclists, runners and pedestrians.

 

If you are looking to move to the Ottawa area and need help securing a mortgage, we would love to hear from you! Please do not hesitate to reach out a member of our experienced team today. Alternatively, you can apply directly on our website with our simple online application form.

 

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.

9 Packing Tips to Make Moving Home Easier

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 and stress-free:

 

 

1) Purge as much as possible

 

Take this opportunity to de-clutter, donate and get rid of anything you don’t really use or need. That way, you’ll have a LOT less to move on moving day (and you won’t have the same unnecessary items attracting dust in your closet).

 

 

2) Hire movers at least a month out

 

Make sure to research and hire movers at least a month ahead of time so you can plan and take time off work, etc., as needed. Many movers get busy on weekends, especially in warmer months and peak moving seasons, so consider saving money by moving on a weekday.

 

 

3) Pack in shifts

 

Pace yourself when it comes to packing! Packing slowly over time will be much less stressful than packing it all last-minute.

 

 

4) Protect your delicate items

 

Pack delicate items and expensive electronics (like TVs) in their original packaging (if possible). Or, wrap these items in packing paper, bubble wrap or quilts to ensure they aren’t broken when jostled or moved.

 

 

5) Disconnect your services

 

Utilities are often one of the last things you think about when you move, but you’ll save money and confusion later if you contact your utility companies ahead of time to disconnect your services. Also file a change of address with the postal service and any other important companies a few days before you move.

 

 

6) Accurately label moving boxes

 

Being careful about labeling your moving boxes will help you to find and organize your household items once you start to unpack. Include details about where the items were found or which room the items should be placed in.

 

 

7) Use smaller boxes for heavier items

 

For heavier items—such as books—you’ll want to use smaller boxes. Heavier items in larger boxes will be harder to lift and to balance when moving.

 

 

8) Stack dishes vertically

 

Dishes will be safer and easier to move when stacked vertically versus horizontally. Place packing paper or bubble wrap between each plate for extra protection.

 

 

9) Set aside cleaning supplies

 

Rather than packing up all your cleaning supplies to use at your new place, leave some behind at your old place. That way, you can do a deeper clean of all the spots you couldn’t reach when your furniture was in the way.

 

For all your mortgage needs, including information on renewing your mortgage or refinancing your property, the experienced team at Capital Mortgages can help! Do not hesitate to reach out with any questions or concerns you may have — we look forward to hearing from you.