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Condo Insurance Explained

We once had a client who had a washer/dryer malfunction that caused damage to their unit and 14 units below them. Because they did not have insurance and it was an issue in their unit, it was their responsibility to cover the cost of these damages. Your condominium corporation has insurance, but only for the building’s common elements. Most would strongly suggest insurance for your individual unit. Most condo insurance policies cover: Your personal liability for property damage or bodily damage you unintentionally cause to others (If a fire or flood starts in your unit) Your personal property (Appliances, furniture, clothing, electronics, and items in your locker) Additional living expenses in the event you are relocated during the condo’s restoration […]

Credit Matters!

Let’s talk credit as it relates to real estate. A good credit score complimented with proven income are the main imputes required for a mortgage approval. It’s never too late to check, maintain and improve your score. Start at either of Canada’s main reporting agencies Equifax or Transunion. Long story short, a score of 700 basically implies you’re in the clear, and have maintained your credit facilities well enough for most lenders to be satisfied. Under 680 might imply more hurdles for you to jump through to satisfy a lender. Remember, your rating is based on many factors being reported and a statistical calculation of all those factors. So be proactive and aggressive, as a banking error might miss a payment or a […]

Make Your Home Smart

Make your house smart! Here’s a guide, broken down by category, to help you sort through the plethora of products. Assistant Temperature Sound Lighting Security Safety CO and Smoke Alarm Cleaning Smart Plugs Hacker Alert! Assistants are voice-controlled products that make it easy to control your smart home products simply by voice activated commands. There are a few different products like Amazon's Alexa and the Google Home. Each one of these products have pros and cons, so choose the one that will work more closely with your needs. Once set up, you can connect it to all other compatible smart home products to be able to control your lights and anything plugged into a smart plug.   Similar to the […]

Downsizing to a Condo – The Lifestyle Transition

Living in a house is quite different from living in a condo. There are things to consider when making the transition from a house to a condo, including costs, living space and lifestyle. As the market continues to rise, houses may be less affordable and downsizing to a condo is becoming a popular option. Condo Living If you want to downsize from your family home, a condo is a more affordable option. The average cost of a condo in Toronto in 2018 was $552,423, compared to the average cost of a house, which was $1,009,535. Forget about mowing the lawn, shoveling the snow, and landscaping, that’s someone else’s job now. Even if you live on the second floor, you do […]

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Condo Insurance Explained

We once had a client who had a washer/dryer malfunction that caused damage to their unit and 14 units below them. Because they did not have insurance and it was an issue in their unit, it was their responsibility to cover the cost of these damages. Your condominium corporation has insurance, but only for the building’s common elements. Most would strongly suggest insurance for your individual unit. Most condo insurance policies cover: Your personal liability for property damage or bodily damage you unintentionally cause to others (If a fire or flood starts in your unit) Your personal property (Appliances, furniture, clothing, electronics, and items in your locker) Additional living expenses in the event you are relocated during the condo’s restoration […]

Credit Matters!

Let’s talk credit as it relates to real estate. A good credit score complimented with proven income are the main imputes required for a mortgage approval. It’s never too late to check, maintain and improve your score. Start at either of Canada’s main reporting agencies Equifax or Transunion. Long story short, a score of 700 basically implies you’re in the clear, and have maintained your credit facilities well enough for most lenders to be satisfied. Under 680 might imply more hurdles for you to jump through to satisfy a lender. Remember, your rating is based on many factors being reported and a statistical calculation of all those factors. So be proactive and aggressive, as a banking error might miss a payment or a […]

Make Your Home Smart

Make your house smart! Here’s a guide, broken down by category, to help you sort through the plethora of products. Assistant Temperature Sound Lighting Security Safety CO and Smoke Alarm Cleaning Smart Plugs Hacker Alert! Assistants are voice-controlled products that make it easy to control your smart home products simply by voice activated commands. There are a few different products like Amazon's Alexa and the Google Home. Each one of these products have pros and cons, so choose the one that will work more closely with your needs. Once set up, you can connect it to all other compatible smart home products to be able to control your lights and anything plugged into a smart plug.   Similar to the […]

Style 3

Condo Insurance Explained

We once had a client who had a washer/dryer malfunction that caused damage to their unit and 14 units below them. Because they did not have insurance and it was an issue in their unit, it was their responsibility to cover the cost of these damages. Your condominium corporation has insurance, but only for the building’s common elements. Most would strongly suggest insurance for your individual unit. Most condo insurance policies cover: Your personal liability for property damage or bodily damage you unintentionally cause to others (If a fire or flood starts in your unit) Your personal property (Appliances, furniture, clothing, electronics, and items in your locker) Additional living expenses in the event you are relocated during the condo’s restoration […]

Credit Matters!

Let’s talk credit as it relates to real estate. A good credit score complimented with proven income are the main imputes required for a mortgage approval. It’s never too late to check, maintain and improve your score. Start at either of Canada’s main reporting agencies Equifax or Transunion. Long story short, a score of 700 basically implies you’re in the clear, and have maintained your credit facilities well enough for most lenders to be satisfied. Under 680 might imply more hurdles for you to jump through to satisfy a lender. Remember, your rating is based on many factors being reported and a statistical calculation of all those factors. So be proactive and aggressive, as a banking error might miss a payment or a […]

Make Your Home Smart

Make your house smart! Here’s a guide, broken down by category, to help you sort through the plethora of products. Assistant Temperature Sound Lighting Security Safety CO and Smoke Alarm Cleaning Smart Plugs Hacker Alert! Assistants are voice-controlled products that make it easy to control your smart home products simply by voice activated commands. There are a few different products like Amazon's Alexa and the Google Home. Each one of these products have pros and cons, so choose the one that will work more closely with your needs. Once set up, you can connect it to all other compatible smart home products to be able to control your lights and anything plugged into a smart plug.   Similar to the […]

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Condo Insurance Explained

We once had a client who had a washer/dryer malfunction that caused damage to their unit and 14 units below them. Because they did not have insurance and it was an issue in their unit, it was their responsibility to cover the cost of these damages. Your condominium corporation has insurance, but only for the building’s common elements. Most would strongly suggest insurance for your individual unit. Most condo insurance policies cover: Your personal liability for property damage or bodily damage you unintentionally cause to others (If a fire or flood starts in your unit) Your personal property (Appliances, furniture, clothing, electronics, and items in your locker) Additional living expenses in the event you are relocated during the condo’s restoration […]

Credit Matters!

Let’s talk credit as it relates to real estate. A good credit score complimented with proven income are the main imputes required for a mortgage approval. It’s never too late to check, maintain and improve your score. Start at either of Canada’s main reporting agencies Equifax or Transunion. Long story short, a score of 700 basically implies you’re in the clear, and have maintained your credit facilities well enough for most lenders to be satisfied. Under 680 might imply more hurdles for you to jump through to satisfy a lender. Remember, your rating is based on many factors being reported and a statistical calculation of all those factors. So be proactive and aggressive, as a banking error might miss a payment or a […]

Make Your Home Smart

Make your house smart! Here’s a guide, broken down by category, to help you sort through the plethora of products. Assistant Temperature Sound Lighting Security Safety CO and Smoke Alarm Cleaning Smart Plugs Hacker Alert! Assistants are voice-controlled products that make it easy to control your smart home products simply by voice activated commands. There are a few different products like Amazon's Alexa and the Google Home. Each one of these products have pros and cons, so choose the one that will work more closely with your needs. Once set up, you can connect it to all other compatible smart home products to be able to control your lights and anything plugged into a smart plug.   Similar to the […]

Style 5

Condo Insurance Explained

We once had a client who had a washer/dryer malfunction that caused damage to their unit and 14 units below them. Because they did not have insurance and it was an issue in their unit, it was their responsibility to cover the cost of these damages. Your condominium corporation has insurance, but only for the building’s common elements. Most would strongly suggest insurance for your individual unit. Most condo insurance policies cover: Your personal liability for property damage or bodily damage you unintentionally cause to others (If a fire or flood starts in your unit) Your personal property (Appliances, furniture, clothing, electronics, and items in your locker) Additional living expenses in the event you are relocated during the condo’s restoration […]

Credit Matters!

Let’s talk credit as it relates to real estate. A good credit score complimented with proven income are the main imputes required for a mortgage approval. It’s never too late to check, maintain and improve your score. Start at either of Canada’s main reporting agencies Equifax or Transunion. Long story short, a score of 700 basically implies you’re in the clear, and have maintained your credit facilities well enough for most lenders to be satisfied. Under 680 might imply more hurdles for you to jump through to satisfy a lender. Remember, your rating is based on many factors being reported and a statistical calculation of all those factors. So be proactive and aggressive, as a banking error might miss a payment or a […]

Make Your Home Smart

Make your house smart! Here’s a guide, broken down by category, to help you sort through the plethora of products. Assistant Temperature Sound Lighting Security Safety CO and Smoke Alarm Cleaning Smart Plugs Hacker Alert! Assistants are voice-controlled products that make it easy to control your smart home products simply by voice activated commands. There are a few different products like Amazon's Alexa and the Google Home. Each one of these products have pros and cons, so choose the one that will work more closely with your needs. Once set up, you can connect it to all other compatible smart home products to be able to control your lights and anything plugged into a smart plug.   Similar to the […]