Boost Your Home's Curb Appeal and Stop Buyers in Their Tracks

As a homeowner, you know first impressions matter when selling your property. Buyers start forming opinions when they see your home from the street or with photos online. That's why it's important to focus on your home's "curb appeal" - the overall attractiveness and welcoming vibe of your property from the outside. 

Boosting your home's curb appeal can be an effective way to attract potential buyers and make a great first impression. This can involve simple updates like landscaping, painting, or adding decorative elements. Additionally, ensuring your home's exterior is clean, well-maintained, and inviting can significantly enhance its visual appeal. Investing time and effort into improving your home's curb appeal can increase its perceived value and potentially attract more interested buyers.

Luckily, there are several easy and affordable ways you can boost your home's curb appeal:

• Paint: A fresh paint job will freshen up any room or area.

• Landscaping: Keep your lawn, trees, and shrubs well-manicured. Plant colourful flowers and add potted plants near the entryway. 

• Front Door: Ensure your front door is clean, shiny, and inviting. Consider adding a new coat of paint or stain or replacing the hardware.

• Lighting: Install exterior lighting to highlight your home's best features and create a warm, welcoming ambiance.

• Accessories: Add decorative touches like a new welcome mat, house numbers, or a wreath on the door.

• Landscaping: Trim hedges, remove weeds, mow the lawn, and add a few pops of color with fresh flowers or colorful mulch. These simple tasks can make a big difference in your home's overall appearance.

• Update your front door: A fresh coat of paint can breathe new life into an older front door. This is an inexpensive upgrade that can dramatically improve your home's first impression.

• Declutter the outside: Remove any unsightly items like garbage cans or stored items that could distract buyers from forming a positive first impression.

• Make windows shine: Clean the inside and outside of your front-facing windows to let in natural light and make your home look well-cared for.

• Park elsewhere: If possible, park your vehicles on the street during showings to give buyers a clear, unobstructed view of your home.

Most of these tips can be done in less than a day, but they can make a huge difference in boosting your home's curb appeal and helping it make a great first impression on potential buyers. They are well worth the effort!

Brought for you by: Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Bank of Montreal is the first large bank to stiffen rules against Canadian's after tariffs placed by Trump

BMO, one of Canada's major banks, is tightening its mortgage rules for self-employed Canadians in certain industries. This change will impact hundreds of thousands working in fields like steel, aluminum, and other sectors that BMO considers "high risk."

Under the new policy, self-employed borrowers in these high-risk industries will need to keep their monthly debt payments below 42% of their income to qualify for a mortgage. This is down from the previous 45% threshold.

While a 2% difference may not seem like much, it can have a big impact - especially in pricey housing markets like Toronto. For example, a household earning $200,000 per year would now only qualify to buy a home costing up to $1.27 million after a 20% down payment. That's about $180,000 less than the average price of a detached home in the city.

BMO says it's standard practice to consider broader economic factors when assessing mortgage applications. One expert told the Globe and Mail that the change makes sense, as it will help limit lending to those at a higher risk of defaulting.

While BMO is the only bank to announce this type of policy change so far publicly, the expert believes other lenders likely have similar rules in place for self-employed borrowers in high-risk industries.

This tighter mortgage qualification for certain self-employed Canadians is the latest sign that banks are being more cautious as economic uncertainty looms. Those who work for themselves in affected sectors may need to adjust their home-buying plans accordingly.

As your real estate partner, I can help you explore alternative financing options, such as seeking pre-approval from other lenders, that may better suit your situation. It's essential to stay informed and proactive in the current market conditions. Together, we can devise a strategic plan to achieve your homeownership goals, whether that involves finding a property within the new mortgage guidelines or considering other viable options. Please don't hesitate to reach out with any further questions or concerns.

Brought for you by: Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Unlock Your Dream Property: The 3-4 Must-Haves That Matter Most

Finding Your Dream Property by using priority decision making

Buying a new home can be both exciting and overwhelming. Where do you even start? Many people begin by making a giant wish list of every possible feature they could want. But that approach often leads to frustration when the "perfect" home remains elusive.

Instead of getting bogged down in a never-ending list, focus on your 3 or 4 core must-haves. These are the essential elements that you absolutely can't live without. For example, it might be:

1. A safe, family-friendly neighbourhood 
2. A good-sized backyard
3. The correct number of bedrooms and bathrooms

Or perhaps your top priorities are:

1. Staying within a specific price range or budget
2. Finding the perfect neighborhood or location
3. Having a garage or other key feature

Sure, your list may include other "nice-to-have" features, like a mature tree or a move-in-ready condition. But by honing in on your top 3-4 priorities, you can streamline your home search and increase your chances of finding that dream home.

Another benefit of this approach is that it will give you a clearer sense of the price range for homes with your desired characteristics. That way, you can get pre-approved for financing and be ready to make a strong offer when the right property comes along.

As an experienced real estate agent, I'm here to guide you through every step of the home-buying process. If you're ready to find your next dream home, call me today at 705-927-6236. I'll use my expertise to help you navigate the market and secure the perfect property.

Call us today for a clear path. We will look after you. 705-927-6236

Brought for you by: Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country