Whether it’s your very first home or a fresh start, there’s a lot to be aware of when it comes to household maintenance. While some developers provide guides to help homeowners get acquainted with maintenance schedules, most owners have to learn on their own. That’s why we consulted Paul Justice, of Justice Construction, to compile a comprehensive—and handy!—timeline to give you a head-start on what to check, when to check it, and how to prepare for the short and long term. 

The importance of scheduling

Many homeowners overlook maintenance items until serious repairs are needed, ultimately costing more money. According to Justice, the two most commonly overlooked items by homeowners are the foundation and mould. By being aware of what to look for and establishing a habit of regular maintenance and inspections, you can stay on top of your home’s care, boosting its value and ultimately reducing stress and saving money on costly repairs or renovations.

Monthly

Choose one day each month for these revolving items which can easily be performed in a morning or afternoon.

• Replace the furnace filter (if you don’t have central air conditioning, then you only need to do this during months of operation).
• Clean your kitchen range hood filter.
• Test your smoke and CO (carbon monoxide) detectors.
• Wash hardwood floors (if you have them).
• Clean your shower heads and faucet aerators.
• Inspect and clear out all sink and tub drains.

Pro tip: The best way to prevent drain blockages is with a fine filter drain insert in your kitchen and bathroom drains. This ensures your drains never collect sediments, hair or food waste. Never rely on liquid drain cleaner to clear blockages. 

Semi-annually

These tasks should be performed twice each year, once when preparing for winter and again each spring.

• Replace smoke and CO detector batteries.
• Check your attic for evidence of water incursion, rodents and confirm your insulation is in good shape.
• Inspect your windows and doors (ensure frames, sweeps, stripping and caulking are in good shape).
• Test your hot water tank’s pressure relief valve.
• Inspect your eavestroughing, gutters, and flashing.
• Clean your baseboard heater grills (turn off any breakers beforehand and be sure the grills are dry before re-engaging them)
• Vacuum your air return ducts
• Pull out appliances like your fridge and stove to vacuum and dust behind 

Annually

Annual maintenance and inspections usually happen in the spring or fall with a few exceptions that are not season-specific.

Spring:

• Inspect and pressure wash your home’s exterior.
  Pro tip: Keep an eye on the caulking used to seal your siding.
• Inspect your roof, eaves, and flashing each spring.
  Pro tip: If there’s any sign of curling, cracking or disintegration, we recommend calling  a roofing inspector immediately.
• Inspect and clean your AC.
  Pro tip: You only need to use a garden hose to clear dirt and debris from the unit. Remember to disconnect the power first!
• Check your deck or porch, and wood fence for damage or rot and replace boards as needed.
• Pressure wash your deck and fence. Watch your pressure settings though so you don’t accidentally gouge your wood!
• Inspect your asphalt driveway. If you see the colour and definition of individual pebbles, then you know it’s time to reseal.
• Have your carpets professionally cleaned. You can also rent a carpet cleaning machine.
• Have your chimney and fireplace/wood stove inspected and cleaned.
• Check for mould: Inspect your home’s interior, especially places you don’t see often, and check for musty or dank odours.
  Pro tip: If you discover mould, do not stop until it’s safely cleaned and the source identified and corrected—this may require a mould remediation expert.
• Inspect horizontal runs from your gutters.
  Pro tip: Ensure water is being directed away from the house so it does not collect and soak into the foundation.
• Inspect your foundation for cracks and moisture.

Fall:

• Test your home’s thermostat.
• Inspect and clean out your eavestroughs and gutters.
• Check your septic system (if you have a septic tank, it’s important to have a professional inspect it annually).
• Drain and shut off exterior faucets.

Any time of year:

• Inspect your plumbing for leaks or sweating.
• Review your electrical system. Whether you live in an older home, or a new build, identifying potential problems early can save a lot of stress down the road.
• Call an HVAC professional to service your furnace each year.
• Inspect your flooring for wear and tear.
• Check your toilets-if they start to rock, prevent damaging leaks by replacing the flange.
• Check for wiggly door handles and squeaky hinges

Here’s how to replace your toilet’s flange:

Preparing for the long-term

You know that rainy day you’re always told to save for? Putting money aside for any eventual repairs is a smart way to avoid unnecessary shocks down the road. With modern building materials and warranties, it may be decades before repairs are needed, but it’s best to be ready. 

Five years:

• Have your ducts cleaned
• Replace carpet in high traffic areas. A long-term, economical solution is to install laminate flooring, which can last upwards of 15 years with little maintenance.
• Paint your home’s interior. 
• Replace the gaskets and washers in your faucets to prevent leaks.

Ten years:

• Re-paint your home’s exterior. Depending on the type of paint and materials used for your siding, you should budget to repaint every 10 years. 
• Refinish your hardwood floors. This may need to be done sooner—or later—depending on how highly trafficked your floors are.

15 years:

• Be prepared to replace all or part of your roof, depending on the materials used and any warranties applied. 
• Laminate flooring may need to be replaced.
• Siding may need to be replaced on your home’s exterior.

25 years:

• CSA approved windows reach the end of their lifetime at 25 years, and will likely need to be replaced.

It’s never too soon to start your own household maintenance schedule, and to start saving for those larger eventualities down the road. The savings to your pocket book as well the peace of mind that comes with preparedness will go a long way to ensure long-term enjoyment and comfort in your home.

Source:  Realtor.ca/blog

https://www.realtor.ca/blog/postpage/15596/1363/your-complete-home-maintenance-timeline-simplified

Seasoned gardeners will tell you landscaping is far from seasonal. Designing a backyard that pops throughout the year requires careful consideration to ensure everything rotates in turn with the Earth’s axis. Consider the simple concept of a snow globe. The scene is serene when all is calm—and even more magical when shook up with falling snow.

Instead of feeling discouraged by our gardens being buried in snow, it’s time to rethink the winter season–it’s an opportunity to shift focus. Visual interest can be achieved by integrating ornamental grasses, trees and hardscaping. In fact, you’ll find these five tips will allow you to show off your property in an unexpected way. Rain, snow, sleet or shine!

1. Evergreens

Evergreens are a bit of a misnomer. Typically, they’re easy to identify as their foliage remains green year-round. However, evergreens can also be yellow, like the feathery Gold Thread False Cypress or semi-weeping Cypress Gold Mop. Plant either in full sun and they will turn a rich gold. In shady areas, the foliage will remain lime green. Evergreens can also be blue, like the blue spruce which is a popular choice for both accent and privacy screening. Evergreens are low-maintenance, resilient and offer staggering focal points in a yard or garden. A whimsical choice would be the Birds Nest spruce, a shrub that grows in a compact ball. It has a characteristic depression in its centre, like a bird’s nest. 

Boxwood hedge and English Boxwood will also ride out a heavy snow load and keep your garden green!

2. Bark

Depending on your province and growing zone, consider planting winter-blooming tree species. The Red Twig Dogwood remains blood red year-round, painting a remarkable contrast against the snow. It’s also a favoured addition to planter boxes to complement lengths of birch trees and cedar branches.

Ornamental trees like birch and sycamores offer texture, height while providing seeds and shelter for birds. 

3. Hardscaping

There’s nothing hard about it, really! Hardscaping includes all the man-made features used in backyard design, balanced by vegetation. It includes pathways, stone walls, trellises, arbours and benches. Sculptures, colourful birdhouses and fire pits also act as strong visual cues of warmer days ahead! Outdoor lighting, playful potting sheds and treehouses make hardscaping flexible and easy. Visit your favourite parks and gardens for inspiration.

4. Berries

Birders and berries are simpatico. Tree and shrub varieties that bear berries will automatically attract overwintering birds (and early migrators come spring). Barberry and Cotoneaster are gorgeous considerations while the berries of the Mountain Ash will persist on the tree all winter. Birders (and birds) note the ‘Leonard Springer’ variety of ash is not popular on their menu.

The Snowdrift crabapple dazzles with a mass of snow-like flowers in early spring and the orange-red fruit hangs well into winter for wildlife to enjoy like a back alley food truck. Winterberry holly is also a pleasing choice and enjoyed indoors and out. The shrub loses its leaves in autumn to reveal thousands of bright berries that hang like holiday ornaments. Snowberry shrubs are loved for their white bulbs and berries which appear in autumn and last into winter.

5. Four-season perennials

Perennials are like the bears of the plant world. They simply rest during the freeze/thaw cycle, but still add visual interest, especially if their seed heads are left intact. Sedum varieties like “Dragon’s Blood” turn red in autumn and add colour when winter’s white palette dominates.

Ornamental grasses are useful for privacy from neighbours and a natural accessory. Grasses left to stand throughout the winter also act as an abundant seed supply for birds. Sunflowers, asters and zinnias serve the same useful purpose.

Hellebores will surprise with a burst of colour sometimes as early as December while other perennials lie dormant. The Christmas Rose cultivar pops with white flowers that can turn deep pink throughout the winter.

Perennials that bounce back in spring in a bigger and better way include hostas, peonies (trim dead foliage in fall to ensure big blooms come spring), Wild Columbine and Bee Balm.

As you incorporate these ideas into your property, remember, the first day of spring is March 20, 2021. We’ll get there soon enough, so enjoy your revamped winter landscape—it’s the only time we don’t have to worry about weeds! 

Source: Realtor.ca/blog

https://www.realtor.ca/blog/postpage/15772/1363/5-tips-for-winter-landscaping

We’ve all heard the phrase “play is a child’s work,” and it’s true in every sense of the word. Play has shown positive contributions to the cognitive, physical, social, and emotional well-being of young children. So why not embrace and support their need to play with a dedicated space they can call their own–a playroom!

Traditionally playrooms have been associated with bold colours, flashy patterns, and toys everywhere, but that doesn’t have to be the case. Whether you have a dedicated room or a sectioned-off corner, a fun, engaging, and design-friendly playroom is possible.

When planning your kid’s playroom there are several aspects to consider, from colour and storage to décor items and furniture. We’ll walk you through all the major decisions and help you pull together a playroom or area that’s fun for the kids but also speaks to the design sensibilities of adults.

Colour palette and pattern

Playrooms often get a bad rep because of their loud, bold colours and patterns, which in an adult world, are anything but design friendly! Gender neutral playrooms are becoming the norm and offer the perfect balance of design and function. That’s not to say you can’t inject pattern and colour. Select one primary colour and run with it! Use it on an accent wall or furnishings (emerald sofa, yes please!). Bold patterns can also be incorporated on textiles such as pillows, curtains, and rugs. Then inject a bit of personality with a few accessories in a complementary colour. Kids toys, books, and crafts are already super colourful, so leaving the base of the room a little more neutral can make it feel adult-friendly.

Storage

No parent enjoys walking by a playroom and seeing toys thrown everywhere, which is why easy-to-access storage is key. The best storage solutions allow your kids to easily grab their toys, games, books, and crafting supplies as well as put them away. Cubby shelving is great as it can double as a space where favourite toys or items can be put on display. Fabric drawer inserts are also available for cubby-type shelving, which can hide and store large amounts of smaller toys like figurines or wooden blocks. Place baskets and totes made of fabric on the floor making it easy for young children to get to their toys. Storage ottomans, wicker baskets, and traditional toy boxes also make great options. 

Flooring

Kids are notoriously hard on floors. If it’s not toys being dropped from varying heights it’s spilled drinks and cookie crumbs, so you’ll want to consider the type of flooring in your playroom. If you’re renovating a room from the ground up select a durable and easy to clean flooring like linoleum, wood laminate or solid wood. If you’re simply looking to protect your floors use area rugs that can be laundered or are made of sturdy natural fibers. Patterns and prints can also help disguise the inevitable spills and stain. Foam playmats are also a great option. They are perfect for kids who love to tumble, not to mention they’re easy to clean.  

Fabrics and textiles

Durability is the name of the game when it comes to selecting fabrics and textiles for a playroom. Opt for thick, tough fabrics on pillows, ottomans, and poufs as they will stand up to all the jumping, rolling and the occasional spill. If the space is large enough to include lounge furniture, like chairs and a couch, consider selecting a fabric that has a built-in stain guard or purchase slipcovers that can be removed and laundered as needed. 

Kid-friendly furniture

Kids furniture has come a long way in terms of design, which means you’ll have an easier time finding pieces that match the aesthetic of your home while being safe and useful for your kids. Tables and chairs are a staple for any playroom as they can be used for everything from play to snack time. Lounge furniture like bean bag chairs, tot-sized couches, day beds, and oversized floor pillows offer up places for your kids to take a break. Bookshelves, cubbies, and toy storage that’s lower to the floor allow kids to access their toys, games and crafts without adult help. Kid-friendly doesn’t always mean the size of the furniture, it can also mean safety. Ensure all large furniture in your playroom, such as shelving, lighting, and art are properly secured to the walls to minimize tipping and falling.

Create zones

A playroom is more than a place to send your kids for an hour, it should encourage growth, ignite the imagination, increase dexterity, and physical, cognitive, and emotional strength. Creating “zones” within your playroom can help encourage different types of play and activities.

A reading nook complete with floating bookshelves, oversized floor cushions, fluffy throw pillows, and comfy blankets is the perfect place for your kid to cozy up with a good book (or two) and unwind after a busy day of play. Whether it’s a mini play kitchen, canvas tent, Montessori shelf or a tot-sized tool bench, setting aside a space for imaginative or pretend play can help your child express, explore and work out their own ideas, thoughts, and feelings. An active area with an indoor rock-climbing wall, a pikler triangle, indoor swing or slide can help those little ones release their energy and experiment with physical movement. A craft corner or art zone with tables, chairs, and easels will turn your little one into a Picasso in no time! Don’t forget to include a bulletin board for them to hang their masterpieces – after all, you don’t want all of them to make their way to your kitchen fridge!

Lastly, if your kids are older and video games are their guilty pleasure, set up a gaming zone with a small wall-mounted TV, gaming console, and a few gaming chairs. 

Décor items

Using décor items and accessories is an excellent way to personalize and add character to a playroom. Wall decals are a low-commitment option as they can be swapped out or removed as your kids get older (or they move onto the next big thing!). Art can also liven up the space, just be sure to choose shatter-proof frames or opt for canvas artwork. Trendy wall hangings like pennants, woven textiles, faux taxidermy animal heads, and macrame add texture, colour, and a touch of whimsy. Lastly, fun wall lights or string lights can make any space shine and twinkle.

Tight on space?

Small space living doesn’t mean you have to forgo a playroom completely. Even the smallest spaces can allocate a corner, nook, or alcove to create an area for play. If you’re setting up a play area for your kids in their bedroom or in a common area such as a family room, a simple foam mat or colourful rug can help them differentiate “their space” versus “our space.” Or think outside the box (or room in this case). Any unused space can become a kid’s dream play area–a closet, empty space under your stairs or even a crawlspace can become a cozy place for play.

The playroom is by far the most fun room in the house, so make sure it can be enjoyed by you and your kids!

Source: Realtor.ca/blog

https://www.realtor.ca/blog/postpage/15564/1366/design-friendly-d%C3%A9cor-for-kids-playrooms

You fell in love with your new home because of its commanding focal point: a cozy fireplace where you envisioned spending fall and winter evenings warming by the fire. But what if you love the flames but hate the crumbling brick, the dated brass hardware or the dirty stone? Luckily, there are a number of things you can do to glam up a tired fireplace to suit your design style. We asked two designers for tips–ranging from super-affordable to worth-the-splurge–to give your fireplace a much-need facelift.

Give it a fresh coat of paint

As long as your fireplace is in good shape structurally and is safe to use, the easiest and most budget-friendly option to transform both the tile and mantel lies in a can of paint, says Chilliwack, British Columbia-based colour designer Maria Killam.

“When my sister and her husband bought a house, there was this really ugly 1970s orange, black and white brick fireplace, and I said, ‘We need to paint that right away!’ but they didn’t,” recalls Killam. “For years, nobody wanted to be in that room. Then, we finally redid the room and painted the fireplace white and it was absolutely transformational. White works best for a fireplace because it usually can be an extension of your trim colour.” 

Whether you go the all-white or all-black route, or you choose contrasting colours to make it pop, don’t forget to refinish your mantel, too, says Courtney Turk, president of Courtney Turk Interiors in Ottawa.

“If your mantel is made of solid wood, sand it down until any finishes are removed on the surface; this will help the paint adhere and last a lot longer,” says Turk. “With your tile surround, be sure to use a primer before applying your latex paint in your desired colour.”

To freshen up stone fireplaces, Killam leaves the latex paint behind.

“Chalk paint does miraculous things today; you can create this multi-dimensional look that’s whitish-grayish instead of just a solid painted stone,” she says. 

Cover a faded fireplace with another material

For a mid-range budgetary option, consider refacing your fireplace. You’ll get a completely new look without the huge mess and expense of a total tear-down. Try cladding the fireplace in reclaimed wood or cream millwork to add warm texture, or incorporate concrete to bring an industrial, contemporary vibe to the space. You can also purchase masonry veneers which look like brick or stone but are much thinner and lighter.  

“When it comes to stone or millwork for your fireplace, call in the pros or someone handy,” advises Turk. “Stone and tile require a wet saw to cut, which can be tricky.”

To cut down on costs, put up 12×12 tiles or an even border of stone around the fireplace, she adds.

“If you want a great DIY alternative, try using shiplap for the upper portion of the wall above your mantel. It’s relatively straightforward to install, and can easily transform a dated fireplace into something more modern and refined. Be sure to paint the shiplap and fireplace surround the same colour so that it flows as one cohesive unit.”

If you go the wood route, consult your local municipality–most building codes advise against installing combustible material within six inches of a working fireplace.

Other inexpensive refacing options include drywall, ceramic or porcelain tiles, stucco, concrete, or veneered stones–all can be affixed directly to your existing fireplace for a simple solution.

Start from scratch

If your fireplace is traditional and your overall design scheme is ultra-modern, a can of paint probably won’t cut it. Sometimes a sledgehammer is the only choice, says Turk. 

“Depending on your personal style, I would suggest a full demo to create the fireplace of your dreams,” she says. “That may be a sleek marble surround or farmhouse shiplap incorporated with a live edge mantel.”

Other splurge-worthy materials include quartz, granite or exotic wood, as well as extending the entire fireplace up to the ceiling. You can also apply any of these tips to your outdoor fireplace, if you’re lucky enough to have one.

Give your fireplace mantel some love, too

An updated fireplace won’t sing until you’ve also styled your mantel, says Turk. 

“Start with an anchor or large piece to ground the space and layer with asymmetrical vases and artwork,” she suggests. “Elevate the rest of the mantel with stacked books to create visual interest and finish off with some fresh greenery to complete the look.”

Killam suggests arranging a few picture frames, too.

“Don’t be afraid to get a bunch of accessories; you don’t know what’s going to look good until you bring it home and you can always return the rest.”

You can also dress up your fireplace with a spiffy new screen, or as Killam suggests, paint a dated brass screen or hardware using high heat black paint. 

No matter what your budget or style is, there’s a fireplace revamp that matches, so have some fun with this important design element.

Source:  Realtor.ca/blog

https://www.realtor.ca/blog/postpage/15502/1363/how-to-revamp-your-dated-fireplace 

Ottawa, ON, October 15, 2020 – Statistics released today by the Canadian Real Estate Association (CREA) show national home sales set another record in September 2020.

Summary:

• National home sales rose 0.9% on a month-over-month (m-o-m) basis in September.
• Actual (not seasonally adjusted) activity was up 45.6% year-over-year (y-o-y).
• The number of newly listed properties fell back by 10.2% from August to September.
• The MLS® Home Price Index (HPI) rose 1.3% m-o-m and was up 10.3% y-o-y.
• The actual (not seasonally adjusted) national average sale price posted a 17.5% y-o-y gain in September.

Whether your children are in elementary school, secondary school, or university, one thing is for sure, there will be homework. Your child’s learning environment can have a significant impact on the quality of their study time and academic success. A space that’s dull, filled with clutter, uncomfortable, and too noisy just won’t do. Here’s how you can set your child up for success by creating a functional space, study nook, or homework zone that can help increase productivity, information retention,and has minimal distractions.

Find the right location

Location, location! Do not underestimate the importance of the location of your child’s study space. Look for a space in your home that’s quiet, private, and free of potential distractions. A spare or unused room would be an excellent place to start, but if you’re like most homeowners, space often comes at a premium. Think creatively as you walk through your home. Do you have a closet that could be converted into a homework station? Is there room for an extra desk in your personal home office? Can you find a quiet corner in your living room, library, dining room, or basement? It’s all about getting creative with the space you have and making it work for your child.

Regardless of the location, consistency is key in making the study nook effective. Don’t let your child move about the house, doing homework at the kitchen table one night and reading on the couch the next. Creating a routine and habit of sitting at the homework station will help build an association with that space, so when your child sits down, they know it’s time for business!

The key elements of an effective study space

Any space can be instantly transformed into a comfortable place to study with just a few essentials: a desk, chair, lighting, and storage.

1. Desk: A desk is the foundation of any workspace. Ensuring it’s the right size for your child will encourage them to stay put and be comfortable. You want the top of the desk to sit somewhere between your child’s waist and lower ribcage when they are seated, allowing elbows to comfortably sit on top, minimizing hunching and slouching. Attention should also be paid to the size of the top. It needs to be big enough to accommodate textbooks, notebooks, tablet/laptop, and accessories, while not being so large it will just gather clutter.
2. Chair: If you’ve ever sat in an uncomfortable chair you know how hard it is to focus on anything else. A good, high-quality chair will not only help your child concentrate on the task at hand, but also alleviate and reduce problems that can affect other parts of the body, like the neck, back, wrists, and hands. Use an adjustable chair or one that’s made specifically to be paired with your chosen desk.
3. Lighting: While natural light is ideal, it’s not always feasible if the study space is located in a basement, closet, or corner. Ensure the workspace has at least two sources of light, including ambient lighting (ceiling lights) and task lighting (a desk lamp). The level of lighting is also a factor to consider; too bright and it can cause headaches, too low and it can cause eye strain.
4. Storage: Mess and clutter can be a real distraction for your child, pulling their focus from their work and slowing their productivity. Reduce the disruption by storing all study essentials out of sight or away from their desk. Bookshelves are key for storing books and binders, while desk drawers or cabinets can hold paper, pens, scissors, and such. Just keep in mind, all tools should be within reach, so they’re not constantly asking you for help retrieving items.

Study supplies

Look at your child’s syllabus or supply list from school and stock their space with the necessary and age-appropriate supplies they need to complete their studies. Ensure they have a variety of paper including plain, lined, and construction, writing utensils such as pens, pencils, erasers, markers, and crayons, as well as other miscellaneous items like rulers, staplers, sharpeners, a calculator, scissors, and sticky-notes. A large whiteboard calendar is a great investment as it allows your child to track homework assignments, tests, reminders, or class events. It also helps you see at a glance what the month ahead holds. Lastly, if your child has trouble concentrating, concentration tools can also be helpful. Consider including a fidget spinner, squishy/stress ball, or silly putty for them to hold while they work.

Design to inspire

Just because this space is dedicated to learning doesn’t mean it needs to be sterile and boring– after all, it’s a place you want your child to feel inspired and productive. Consider letting your child pick out a few personal items to decorate the space–posters, family photos, and wall decals are a good place to start. Take a trip to the dollar or craft store and let them select colourful dividers, patterned file folders, and fun containers for their pencils, crayons, and other miscellaneous items. Some small faux plants can also add warmth and liveliness to the space. A few personal touches and your child will feel at ease and ready to study in their space.

Tips for children who are doing virtual learning

Given the current situation around COVID-19, some parents are opting for virtual learning, meaning their child’s study nook or space will be occupied all day, every day. Here are a few additional tips for children who are going the virtual route.

1. Do your best to eliminate distractions: If the study area is in a shared space (like a dining room or living room) consider investing in a simple room divider that can help compartmentalize the space; a good investment if you’re planning to stick to virtual learning for the foreseeable future.
2. Be aware of your background: In most virtual learning scenarios, the use of a webcam will be required. Be aware of what is visible behind your child when attending class. You don’t want it to be too distracting, inappropriate, or embarrassing.
3. Establish a routine and stick to it: Once your child has their syllabus, help them make a study schedule and fill in any key dates on their calendar or whiteboard. Teach them to reference the calendar and schedule at the start of the day so they’re prepared. Getting into a routine will increase the chances of success.
4. Don’t forget about nutrition and movement breaks: Encourage your child to get up and fully leave their space for breaks. This will continue to reinforce the fact the space is for schoolwork only.

Setting up a dedicated space for your child to study and learn will ensure their success for the school year ahead, and it’s not as hard or complicated as you might think.

Source: Realtor.ca/blog

For the original article: https://www.realtor.ca/blog/postpage/15266/1367/create-a-study-nook-that-inspires-learning 

You probably already know it’s important to stay on track when renovating your home – getting multiple bids and references for reputable contractors and researching everything in advance helps you make smart design and construction choices. However, many homeowners get swept up, up and away the moment a wall comes down or the flooring is pulled up. You see, that’s when a sneaky little thing called scope creep rears its ugly head, threatening to toss your budget and your schedule straight out the window. 

It goes something like this: “Hmm, while we’re at it, shouldn’t we also convert the attic into a gaming room and wire the whole house for a potential home theatre system?” Or, “Hey, I know we planned to match the new hardwood floor to our existing one, but while we’re at it, let’s rip everything out and lay new flooring.”

Before you add things to your contractor’s list, consider this: Changing your mind mid-way through a project has consequences, and last-minute decisions are often the wrong ones. These moves can add lengthy delays that annoy your neighbours, too. We spoke with two REALTORS® who are also general contractors about how you can stick with your plans (and your budget) without sacrificing the beautiful home you want.

Understand the big picture

Good contractors will take the time to walk you through your project’s timeline and workflow, says Matthew Watson, a REALTOR® and contractor with Real Estate and Rejuvenate in Calgary. That includes understanding how every new request during the project triggers changes in the schedule and the budget.

“When you have a contractor you trust, they’ll lay out all the options in detail, and leave it up to you,” explains Watson.

Figure out your must-haves vs. your wish-we-could-haves

Before anyone swings a sledgehammer, your contractor can help you prioritize the project components, says Ali Shakeri, a chartered real estate broker with Ramier Realty and president of Eco-Nature Construction in Montreal. 

“I’ve seen ‘while we’re at it’ getting homeowners into a lot of trouble; small projects get turned into huge ones,” says Shakeri, who recommends thinking about how long you plan to stay in your home and tabulating your needs based on that principle.

“I always separate their list into ‘must-haves’ or ‘nice-to-haves’, with an estimate next to each item.”

Once you can see how far your budget will go, it’s easier to make smart decisions. 

Know the difference between a tweak and an overhaul

It’s one thing to swap out a bathroom faucet or add in a skylight if you’re already re-doing your roof. It’s quite another to request a two-story bay window, as Watson’s client recently did.

“If you have $70,000, I could absolutely throw in that bay window,” he told them.

“First, we’d have to bring in a structural engineer, then we’d have to redo your plans. By the time we open up the structural walls, re-support and tie that into your roof, we’re redoing your roof and exterior walls, plus insulation. Then, your flooring won’t match.”

Ask for do-or-die deadlines

Let’s say you can’t decide on paint colours. That’s OK, as long as you’re aware the painters have been booked for a specific time slot, says Watson. 

“Most major projects subcontract some work, so your contractor should have the foresight to explain when your painters are coming in and that you can only change your mind until such-and-such a date,” he says. 

Missing that window can push tradespeople off your project, because they’ll move on to something else, delaying your schedule.

Keep your contingency for unexpected problems, not last-minute add-ons

Some homeowners figure since their renovation budget includes money set aside for problems that crop up during the construction phase, those funds can instead be used for extras. For example, one homeowner asked Watson for a screened-in porch. After all, the existing remodel was going smoothly, so why not add this seemingly simple thing?

“His existing balcony was 10-feet off the ground, and his railing wasn’t to code. By law, as soon as I touch that railing, I have to bring everything up to the current building code, otherwise it’s not safe, and I’m liable,” explains Watson. 

We get it: It’s sometimes challenging to avoid the temptation of adding on more projects during your remodel when so much is going on around you. That’s why working with your REALTOR® and a certified contractor right from the beginning can help your renovations run smoothly, with less stress and fewer unexpected expenses. Trust their experience and advice, and you’ll end up with a lovely home and not added surprises.

Source: Realtor.ca/blog

https://www.realtor.ca/blog/postpage/15086/1363/managing-%E2%80%98while-we%E2%80%99re-at-it%E2%80%99-syndrome-to-stay-on-time-and-on-budget 

From staggeringly low sales numbers in the spring, to a breakneck summer recovery, Canada’s real estate market has felt like a roller coaster ride these last few months as a result of the COVID-19 pandemic.

In response to broader economic turmoil and uncertainty in the early days of the pandemic, Canada’s central bank cut its mortgage-market influencing key interest rate to the lowest level it says is possible. Many economists watching the central bank closely say these low rates will be here for a long time.

In August, the Bank of Canada’s five-year benchmark mortgage rate fell for the third time in 2020, decreasing from 4.94% in May down to 4.79%. Now, mortgage rates stand at their lowest point in recent history. For current and aspiring mortgage holders, the gradual drop is one of the latest changes that has expanded buying power and increased housing affordability.

“It’s a wonderful time to be a borrower and to either be a first-time home buyer and require a mortgage, or someone who currently has a mortgage or who’s mortgage is up for renewal,” says Justin Thouin, co-founder and CEO of LowestRates.ca. “Both fixed and variable rates are as low as we can ever remember.”

Whether you’re looking to obtain your first mortgage, or make changes to your existing one because of these low rates, there’s a lot to unpack before you commit. Thouin, along with mortgage broker and owner of Platform Mortgage, Renée Stribbell, break down what Canada’s low mortgage rates mean for current and future homeowners.

What historically low rates mean for new home buyers

If you’re looking to purchase your first home, today’s low mortgage rates can add a valuable discount.

Thanks to the drop in the mortgage stress test qualifying rate—now 4.79%—buyer purchasing power has increased a little bit, by about $3,000 to $4,000 or so, Stribble explains. For a first-time home buyer, a few thousand dollars might not make a huge difference, but it can definitely help. However, Stribble says the real cost-savings lie in regular mortgage payments.

Stribble uses the example of a $400,000 mortgage with an amortization period of 25 years.

At a rate of 2.79%, monthly payments would have cost about $1,850. However, with a new rate of 1.84% before offered by some lenders, the same mortgage payment would drop to around $1,663, saving the homeowner about $187 per month with a less than one percentage point drop in rates.

Both Thouin and Stribble have noticed a drastic uptick in clients wanting to seize the opportunity to lock in lower rates—cheaper mortgages, pent-up demand from the spring and a fear of missing out are all contributing to the rush of home buyers during the pandemic.  

“There’s still reasonable prices and because the rates are so low, that same house on a monthly basis is costing them less money so people are absolutely taking advantage of it right now,” says Stribble.

Despite the benefits lower mortgage rates can provide in helping more Canadians get into the housing market, Thouin cautions buyers shouldn’t use these savings to take on more debt than they can afford. He says these low rates should be with us for some time, possibly for the next two to three years, so there’s no need to rush into making a home purchase.

“I don’t think that these low rates are enough of a game changer that everybody and their neighbour should be going and buying a home,” says Thouin. “In many cases, the best financial decision is to rent and to take some of your other money and put it into the market, into a tax-free savings account or an RRSP.”

What historically low rates mean for current mortgage holders

For those who are already settled into a mortgage, breaking your current term or changing mortgage providers completely for a lower rate may be a tempting proposition.

Thouin and Stribble say it may be worth having a conversation with your mortgage broker or bank to determine if a switch is right for you. Your mortgage professional can use calculators and rate comparables to decide if the penalties incurred by breaking your current mortgage agreement will be worth it in the long term, as well as provide information on your up-to-date mortgage balance.

“It’s worth the conversation,” says Stribble. “Will it be worth it to do? It’s really best to have that individual conversation with each person.”

Stribble explains there are a few key elements to consider when exploring the idea of leaving your mortgage term for a lower rate. For starters, breaking your mortgage comes with a penalty. If the penalty is significant, Stribble says you’ll want to make sure you have money set aside to pay that fee, as it’s not always factored into the mortgage. Occasionally, for clients who have renewed early, the payout penalty from the lender may be halved.

If you’re looking to swap lenders or renew early, Stribble also says there will be a qualification process, which will examine your credit, income and employment. If you decided to defer your mortgage payments because of COVID-19, your credit history should not be affected, explains Stribble, but lenders typically want to see the mortgage back on repayment.

“We’ve been noticing that both lenders want us to have it on repayment, so that can be a challenge,” says Stribble. “If you are waiting to go back to work because you were temporarily laid off with regards to COVID, then they’d want to see you back to work.” If you’re weighing your options on whether to move, refinance or start your first mortgage, remember the expert advice of a trusted REALTOR® can help to guide you through the process.

Source:  Realtor.ca/blog

https://www.realtor.ca/blog/postpage/15048/1361/what-canada%E2%80%99s-record-low-mortgage-rates-mean-for-buyers 

Laundry—love it or hate it, we all spend time separating, folding, ironing and scrubbing. Although the laundry room is a space we use regularly, it’s often not given the same attention as other rooms in the home. Whether it’s a tiny space in a tucked away corner, a dedicated room or anything in between, there are plenty of simple ways to turn your laundry room into a space that’s functional, enjoyable and even Instagram-worthy. From a total overhaul to a few simple DIYs, take a few tips from our suggestions below and turn your laundry room into a space you love. 

1. Define the space with paint or wall decals 

For an easy and affordable way to add interest and define your laundry room, consider using peel and stick wall decals or paint. Wall decals offer a no-commitment option for renters or homeowners looking to make a big impact on a small budget. Don’t be afraid to choose something fun or bold to help make your laundry room a space you won’t want to hide away. 

2. Get organized with containers

Swapping out that orange bottle of Tide for a pretty and practical container is another budget-friendly way to transform your laundry room. Transferring laundry room must-haves like dryer sheets, laundry tabs and clothes pegs into stylish containers will instantly transform your laundry room into an organized and stylish space. You’ll find containers in a range of sizes at most dollar stores, department stores or discount home stores. 

3. Add open storage shelves 

If storage space is lacking in your laundry room, adding open shelving is an easy DIY project you can do in just a few hours. Not only are open shelves trendy, they’re more affordable and easier to install than traditional cabinets. In addition to shelves, brackets and hardware (check your local hardware store or IKEA), all you need is a drill, level and stud finder. When installed, you’ll have more space to display those new containers hiding your laundry soap and other trinkets. 

4. Raise your washer and dryer 

If you have a side-by-side front loading washer and dryer, you’re probably getting tired of bending over to load and unload. To add storage space and save your back, consider adding a laundry pedestal or riser to raise your washer and dryer. Some manufacturers make pedestals fit for your specific washer (check big box hardware stores like Home Depot). For a more affordable option, there are plenty of DIY plans available to help you build a platform or riser on a budget. 

5. Add a foldable or drop-down drying rack 

If a chair, couch or railing has become your go-to drying rack, it’s time for a better solution. If you have enough wall space, a drop-down drying rack can add ample room to dry your delicates without taking up any storage space. If you’re lacking wall space, a foldable wire rack or clip-and-drip style hanger can be easily tucked away when not in use. 

6. Add a folding station 

Make the most tedious laundry task a little more enjoyable by adding a folding station to your laundry room. While front loading side-by-side machines already have a flat surface for folding, adding a counter top like a butcher block or kitchen-style counter will quickly transform the look of your laundry room. 

If you have stacked or top-loading machines, consider adding a folding space that doubles as extra storage. For example, a counter-height dresser or repurposed baby change table provides space for folding and storage for other laundry items. Keep family member’s clothes organized by adding baskets for each person to your folding station. 

7. Consider smart appliances

Always forgetting to move your clothes from the washer to the dryer? If new appliances are part of your laundry room makeover, consider investing in a smart washer and dryer. Smart laundry machines can remind you when it’s time to switch a load of laundry and let you know when your washer or dryer needs maintenance. Plus, some smart laundry machines can be integrated into your connected home to help track energy usage and save on costs. 

There’s no reason the often neglected laundry room can’t become a calm, organized and Instagram-worthy room. With a couple DIY projects and simple organizational tips, you can transform your laundry room into a space you’ll love, even if you still hate folding.

Source:  Realtor.ca/blog 

https://www.realtor.ca/blog/postpage/14557/1363/7-tips-to-help-you-love-your-laundry-room