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Making the decision to buy a home is just the first of many choices first time home buyers face. Assessing your lifestyle is the next step and that leads to one big question in particular: house or condo.
“There are benefits and pitfalls to both houses and condos – especially for first time home buyers’ budgets,” says Chris Wisniewski, Associate Vice President, Real Estate Secured Lending, TD Canada Trust.
Wisniewski recommends buyers weigh the pros and cons of houses and condos before making their choice. Some pros and cons include:
Houses
Pros:
• You don’t have to pay fees for amenities and services you don’t use.
• You can renovate more freely to personalize your home.
Cons:
• You have to maintain your home and property.
• Your expenses are not always predictable.
• Affordability often equals to a longer commute
Condos
Pros:
• Your building may feature some additional security features that you may appreciate such as a doorman or cameras and convenient amenities like a gym, a party room or a pool.
• Your monthly expenses are relatively predictable and usually cover your maintenance – from shovelling the driveway to mowing the lawn.
• Usually located in an urban environment meaning less of a commute.
Cons:
• In addition to your condo fees, you may face additional payments for expenses your condo corporation deems necessary such as roof repairs.
• You’re often living in much closer proximity to neighbours which can equate to more noise.
Making the decision to buy a home is just the first of many choices first time home buyers face. Assessing your lifestyle is the next step and that leads to one big question in particular: house or condo.
“There are benefits and pitfalls to both houses and condos – especially for first time home buyers’ budgets,” says Chris Wisniewski, Associate Vice President, Real Estate Secured Lending, TD Canada Trust.
Wisniewski recommends buyers weigh the pros and cons of houses and condos before making their choice. Some pros and cons include:
Houses
Pros:
• You don’t have to pay fees for amenities and services you don’t use.
• You can renovate more freely to personalize your home.
Cons:
• You have to maintain your home and property.
• Your expenses are not always predictable.
• Affordability often equals to a longer commute
Condos
Pros:
• Your building may feature some additional security features that you may appreciate such as a doorman or cameras and convenient amenities like a gym, a party room or a pool.
• Your monthly expenses are relatively predictable and usually cover your maintenance – from shovelling the driveway to mowing the lawn.
• Usually located in an urban environment meaning less of a commute.
Cons:
• In addition to your condo fees, you may face additional payments for expenses your condo corporation deems necessary such as roof repairs.
• You’re often living in much closer proximity to neighbours which can equate to more noise.
For over 25 years, News Canada has been providing the media with ready-to-use, timely, credible and copyright-free news content. Editors, broadcasters, web and video content providers rely on News Canada for newsworthy content to effectively enhance their websites, newspapers and broadcasts.
This looks at changes in social housing during the 1970’s in Toronto, with a little tour of some of Toronto’s better developments built at that time. (until 2000’s) It shows how the city developed a better way to house it’s people, by letting the residents have some input into the design and structure of these neighbourhoods. Some of the complexes in this video are 25 Elm Street, 111 Chestnut Street, 55 The Esplanade, 1 Church Street, 15 Scadding Ave, 21 & 35 Princess Street, 248 Simcoe Street, 176 The Esplanade, Crombie Park and Bathurst Quay apartment/town-homes. This video uses ROYALTY FREE MUSIC I got free of charge from www.Music4YourVids.co.uk The music is by Craig Bridwood (craigsons on Youtube) copyright=Craig Bridwood www.torontovibe.ning.com Video Rating: 5 / 5
Belleville, ON December 21, 2006 — When the names of the mortgage industryâs âbest and brightestâ stars were announced, Bellevilleâs wn “House Team” — the Mortgage Intelligence/ Peter House Group — emerged as one of Canada’s top mortgage brokerages for Customer Service.
Lead broker Peter House was also on the exclusive shortlist for the top individual honour: Broker of the Year. The awards are given by the Canadian Mortgage Professionals (CMP): a national organization which oversees all mortgage professionals in Canada. The double-nomination of a single office is “exceptionally rare”, according to Stan Falkowski, Regional VP for Mortgage Intelligence.
âSurprised⦠and honoured,â was Peter House’s response to the unexpected announcement. The Canadian Mortgage Professional Awards (CMP Awards) were established to recognize and celebrate excellence across the entire spectrum of mortgage broking. There are twelve organizational and individual categories. The House team have been nominated for two: Best Customer Service and Mortgage Broker of the Year. The shortlist of nominees is very exclusive, according to Stan Falkowski.
“I think that this nomination honour will come as no surprise to Peterâs clients,” says Falkowski. “It’s certainly not any surprise to the hundreds of mortgage professionals who know Peter and his team and the work they do. They’re very highly regarded in this business. And Peter has really earned a reputation for his leadership and expertise in the industry.”
Peter House and his wife Debra have been serving the Belleville area with mortgage broker services for more than 12 years, and are well known in the community. Though mortgage brokers were once perceived as a “last resort” option for homebuyers, the industry has grown as Canadians begin to seek out independent professional advice on their mortgages. Almost one-third of all Canadian mortgages are now arranged through brokers. Peter notes that there are several reasons for the trend: including choice, rate, and more personalized service. He notes that his team have access to more than 60 different lenders, including the banks.
“I’ve been getting congratulatory messages since the announcement,” says Peter House. “It does feel like an honour. But we have always been very focused on providing personal service to our clients. It’s nice to see that recognized.”
Award winners will be announced at a national gala in February.
The House Team is commited to providing quality information to help people make informed decisions about their mortgage financing needs.
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