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Should you buy or sell your home first? Here’s help from a Courtenay Real Estate Agent to decide.

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If you’re a homeowner who’s thinking about moving, then you’ve probably pondered the age-old question. Should I sell my home before I buy a new one, or buy my next property first?

Whichever option you choose, it’s an intensely personal decision. It should take into account individual finances, risk tolerance, and current market conditions. Some homeowners who have a strict timeline or budget may take comfort in selling their current residence first. Others who have more flexibility will opt to buy their next home before selling.

If you’re on the fence about which option works best for you, here are a few insights that can help you make this crucial decision.

Buying your new home first

For homebuyers who are looking for a specific property and want certainty on their moving timeline, buying their new home first may be the best option. Buying your next home before selling your current one allows you to take your time searching for a property. This is especially beneficial to buyers who want to be in a particular neighbourhood, or school district, or desire specific features in a home. Once you’ve bought your new home, you’ll know exactly when your closing date will be. This will help with coordinating the sale of your existing residence.

While the major advantage of buying first is a pre-determined timeline, this can force a short period for preparing your current home for sale. That means updating, staging, and marketing your property will need to happen within a defined time frame. It quite possibly may be a short one. The risk: if you are unsuccessful in selling your property quickly, you could be stuck with paying two concurrent mortgages. Bridge financing can be used as a temporary solution to cover the payments of your new and current home. However, it is expensive and is not applicable in cases where your property hasn’t sold yet.

Buying a new property first is best suited to a seller’s market, where demand is higher than the number of homes available. Your property then has a better chance of selling quickly. Purchasing before selling is not recommended for anyone who is working with a strict budget and is relying on the sale of their existing home to determine how much they can afford to buy. Carefully weigh this option with advice from your Courtenay Real Estate Agent.

Selling your current home first

If you are someone who prefers certainty, selling your home before buying a new one may be best. This is best suited for those who want to be sure of their finances and the sale of their home before making any big real estate decisions.

The obvious benefit to selling your home first is gaining a clear financial picture before your next property purchase. Once you sell your home, you’ll know how much you can afford to spend on a new place. You will also know exactly when your closing date is.

If you’re relying on the capital from the sale of your current property, or you’re not in a position to financially bridge the gap between the two homes, then selling first may be the best choice for you.

On the flip side, selling first can create pressure to quickly buy a new home. This can be especially tough in markets with low inventory. Homeowners may feel rushed to snap up whatever property is available.

For those who are looking for a very specific property that may require more time to find, selling their current home before buying may not be the best. However, if you feel more comfortable selling first, it’s a good idea to have a backup plan in place in the event that you can’t find a new home quickly. Consider living with family or friends temporarily, securing a short-term rental, or taking a vacation.

How your Courtenay Real Estate Agent can help

Whether you decide to buy or sell first, your real estate agent is a great resource. I will be able to help you make this important decision by outlining each scenario. In this way, you can determine which option is right for you based on the current market and your unique situation. My expertise in local Courtenay market trends will help you determine whether buying or selling first is best for you.

Want to speak with me, a Royal LePage agent in your Courtenay, BC community? Reach out. “Helping you is what we do!™

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Four home decor trends for Courtenay Real Estate

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The season of pumpkin spice is once again upon us, and so are fall decorating traditions. The transition from summer to fall is a nostalgic time to break out the spooky decor. If dressing up the house with orange pumpkins and burlap year after year is getting stale, there’s no harm in shaking up your fall decorating choices this season.

Here are four new 2023 fall decor trends you can try in your home:

Earthy tones


Fall colours are traditionally defined by shades of orange, red and brown. This year, more earth-like tones are making their way into home, including varieties of sage green, warm beige and caramel, rustic brick red and earthy terracotta. There are many ways you can achieve this softer, more muted fall look. Think coloured glassware, cushion covers, ceramics, blankets and other housewares. They are easy to swap out when the seasons change. If you want to add a contrasting statement piece to your interior this fall, try introducing an eye-catching accent colour with a hint of black, indigo or copper.


Rustic touches

Rustic furniture is a staple in fall design this year. Building off the theme of warm and earth-inspired interiors, distressed or vintage finds will bring a touch of charm to your home. The most economical and environmentally-friendly way to pull off this look is with the help of your local thrift store or online marketplaces. You’re likely to find an array of second-hand furniture, rugs and trinkets. You don’t need to spend a lot to add a ton of character to your space.


Layered textures

As the temperature drops, we tend to layer up with different fabrics to keep our bodies warm; it’s no different for our homes. This fall, mix and match different layers of textures and fabrics for an extra cozy feel. Whether it’s your bedding, accent cushions or rugs, get creative with different textiles, such as wool, knit, velvet, satin and cashmere. If your interior tastes are more neutral, you can still achieve this trend with a monochromatic colour palette to elevate your home.

Fruits and flowers

Move aside pumpkins, fruits are all the rage this year. Instead of opting for your typical array of white and orange gourds, fruits are taking centre stage in 2023. Seasonal fruits, such as apples, figs and pears can be repurposed as place cards. Or arrange them in bowls for a less expected fall centrepiece. Alternatively, you can showcase fruits through decorative flatware and table textiles, such as fabric napkins. If fruits aren’t really your thing, opt for dried florals instead. Pampas grass, sunflowers or wheat stalks will add a touch of ‘cottage’ to your living space.

Bonus tip: Give attention to outdoor spaces

Mild weather is known to last well into fall in this part of the country. This means we can use our beloved outdoor spaces for longer periods of time. Show your balcony, patio or backyard some fall decor love too by dressing it up with lanterns, wreaths and seasonal flowers, such as chrysanthemums or hydrangeas. Add a touch of coziness around your outdoor fireplace or sitting area with water-resistant pillows and blankets in your favourite fall colours and patterns. Property for sale in Courtenay, BC is available year-round because of our temperate climate. Be sure to check back to see what other advice my articles contain.

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Simple Ways to Update Your Home for Sale in Courtenay

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No matter where you live, there will likely be an area of your home that you want to update. However, it’s not always possible to tear down the walls and splurge on renovations. Sometimes, you need to rely on your own skillset to turn the space into a room you love. One of the best ways to do this is by taking on a small DIY project. Updating your space on your own is a great way to save money while still achieving your renovation goals. In this article, I will be going over some of my favourite ways that homeowners can modernize outdated living areas. Follow along below to learn more!

3 Projects to Breathe New Life in Your Home for Sale in Courtenay!

  1. Update Hardware

Updating the hardware of your cabinets and tables is a great way to refresh the space you’re living in. While the change may seem subtle, it can actually make a big difference. This is also a good tip for those who want to make their rented space feel more like their own. Besides, it only takes a few minutes to complete! Try switching out your hardware for a quick DIY renovation.

  1. Repaint

Repainting is one of the easiest ways to completely transform a space. The colour/shade you choose can drastically impact the feel of the room. Grab a few cans of paint and watch your once-outdated space become a thing of the past. Be sure to use drop sheets so as to prevent wrecking your floors and furniture.  

  1. Create a Gallery Wall

Another simple project that you can take on to update a space, is creating a gallery wall. Gallery walls are a great way to spice up a boring room with images you love. Show off your favourite artwork, posters, family photos, jerseys, or whatever makes you smile. Before you start hanging your gallery wall, make sure you work out what layout you’d like. You can do this by laying your pictures on the ground and taking a photo of the arrangement you like best. Then, simply hang the images according to that layout. 

Contact me Today

If you are interested in learning more about how to update your home for sale in Courtenay, contact me today! I’d be happy to help you make sure that you love the space where you live! For more information about real estate in the area, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon.

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Buying New Comox Valley Houses: Pros and Cons

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Buying a house is one of the biggest purchases that most Canadians will make in their lifetime. Because of this, it is important that buyers make the right decision about what kind of house to purchase. Choosing whether to buy new or old Comox Valley houses can seriously impact your satisfaction. By understanding the pros and cons of both options, you can make the most informed choice about what kind of house you want to buy. In this article, we will be going over the benefits and drawbacks of buying new. Follow along below to learn more!

Pros and Cons of Buying a New Home

Buying a new home comes with a number of benefits. For instance, buying a new home can sometimes afford you the option to customize certain features. This is true in many cases for those who are purchasing, pre-sale homes. In addition to this, newer houses tend to be more energy efficient which can result in more savings over time. They also often come with modern amenities and they are lower maintenance. 

Despite these benefits, newer homes do come at a higher cost compared to older properties. In addition, if you are buying a pre-sale home, there can be construction delays due to weather, supply chain issues, permitting, or other reasons. Furthermore, most new homes are located in unestablished neighbourhoods. This can mean dealing with ongoing construction or moving into a neighbourhood that doesn’t have a good sense of community. Finally, when moving into a new house you may need to pay for finishing costs. For example, completing the landscaping, finishing your basement, or paving your driveway. 

Contact me Today About Comox Valley Houses!

If you are interested in learning more about the pros and cons of buying new Comox Valley houses, contact me today! I’d be happy to help you make sure that you invest in the right property! For more information about real estate in the area, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon. 

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Live in Your Home Before Renovating It

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Buying a new home is exciting. Depending on where you are on the property ladder, you may not be getting a move-in-ready property. Although it can be tempting to jump right in to transform your space, it’s not always a good idea to rip down walls as soon as you close the sale. Here are some reasons you should put down that sledgehammer and take your time instead.

You’ll learn about your home and its pain points

Whether you buy a total fixer-upper, an older home that needs minor updates, or a newly built place you want to personalize, it’s smart to play the waiting game before embarking on major renovations. It’s a good idea to live in the house for 12 months before starting renovations. This way you get to know the house and the property inside-out. It’s like buying a car: you always test drive a car to see if you like it. After living in your home and seeing how it functions during all four seasons, you’ll figure out your priorities. Maybe you’ll notice you need more lighting or realize you have plenty of storage and don’t need custom-made built-ins.

You’ll have more time to plan your project

The key to making smart home improvements is in the planning. Allow yourself the chance to meet with several architects, designers, and contractors without the rush to complete a project before you move in.
More planning also helps you stick to a budget. You can ask questions, compare quotes, speak to references, and figure out what you really need. Working too quickly can lead to poor decision-making and doing things over. That can also mean you end up paying more.

You’ll have a better grasp on your finances

Living in your house before ripping it apart also lets you see what you can afford and what you can’t. You’ve been paying your mortgage and expenses for a while and getting used to homeownership. After paying out cash for your down payment, closing costs and moving expenses, it’s wise to get back on your feet financially before committing to anything else.

Getting all the work done before you move in comes with huge costs. You could end up having to rent somewhere if there are delays in your renovations. Doing things slowly gives you and your savings account some breathing room.

You’ll probably change your mind (a few times)

You may have thought gutting the kitchen was your top priority when you first bought the house. Once you’ve lived in it, you might end up liking the older wood cabinets and decide to paint them instead of demolishing them. Or, you might see that having a finished basement with a family room and guest suite has become more important to you than redoing the bathroom. Your perspective will shift once you move into your home. Until you actually live there, it’s hard to know how your family will use each space. While test-driving your house, take note of which rooms you spend the most time in. See whether there’s something you want to do but can’t, such as entertaining outside or working out in a home gym.

You’ll need a break

Buying a home can take its toll. You’ve just gone from qualifying for a mortgage to house
hunting, negotiating with sellers, and managing closing costs. The journey can be a stressful,
exhausting one. You’ve also just finished packing and moving. You don’t need the headaches that can
accompany a major remodelling project. Taking time to revive yourselves after purchasing your property can help you think more clearly. Then, when you’re ready, you can make the next set of big decisions such as picking what to renovate. Your REALTOR® can help guide you through these decisions and more, as you enjoy your new home.

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Understanding Heating and Cooling Systems

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For most, the extent of our heating and cooling system knowledge is pretty basic. When it’s cold out, turn on the heat and when it’s hot, turn on the air conditioning. However, as homeowners, it’s important to know how these systems work, what maintenance is required, and when it’s time to look at updating your system.

The basics of HVAC systems

Your home’s temperature control system typically includes three basic components:

  1. a source of warm or cool air such as an air conditioner or furnace;
  2. a means of distributing the air throughout your home such as ducts or vents and
  3. a way to regulate the temperature, such as a thermostat. Fuel or energy is used to make the system run, everything from electricity to natural gas to propane. The whole system, including the air conditioner, heat pump, furnace, ductwork, filter, air quality products, etc., is also known as a Heating, Ventilation, and Air Conditioning (HVAC) system.

How HVAC systems work

With most heating systems, fuel or energy, such as electricity, gas, oil, or wood, is used to produce heat. This heat is distributed through your home via ducts or pipes depending on your system. Some systems (like a ductless heat pump) distribute the heated (or cooled) air directly. Traditional air conditioners have two components: an indoor coil and an outdoor condenser. These components absorb heat and humidity from within your home and move it outside to an outdoor unit. Refrigerant in your cooling system is key to this process. The refrigerant undergoes a transition from a gas to a liquid state, cooling warm when it comes into contact with the coils. Ventilation refers to things like air distribution (ductwork), exhaust, filtering, energy recovery, and the like. Most systems fall into one of these categories:

  1. Split systems: These are the most common systems – where there is one unit to heat air and another to cool it. The heating system is housed inside (usually in a basement) and the cooling system is placed outside. Hot and cold air is distributed throughout the home by ducts.
  1. Ductless systems: These systems have individual units that produce both hot and cold
    air for a specific room or zone. A unit is mounted indoors and is connected to an outdoor
    compressor.
  2. Hybrid systems: These systems are set up and function similarly to a split system. The
    the difference is they can switch between fuel sources (typically gas and electricity) to help
    maximize efficiency.

Common heating and cooling systems

  1. Forced-air systems: These systems blow heated or cooled air through your home. A forced air system distributes heat produced by the furnace or the coolness produced by a central air conditioner through an electrically powered fan, called a blower. The blower forces the air through a system of ducts throughout your home. As the warm air from the furnace flows into the rooms, colder air in the rooms flows down through another set of ducts (the cold air return system), to the furnace to be warmed. Central air conditioning systems use the same forced-air system, including the blower, to distribute cool air and bring warmer air back to be cooled.
  2. Heat Pumps: A fuel-burning furnace is different from a heat pump in that it requires fuel to produce heat. A heat pump takes heat out of the air (even when it’s really cold), compresses it, and moves it to another location. In the winter, that means moving heat inside, and the reverse in the summer. Heat pumps can be used in a split system (and ducted) or there are ductless options.
  3. Geothermal heat pump: Where a traditional heat pump uses the outside air, a geothermal system uses the relatively constant temperature of the earth to transfer heat to and from your home through buried pipes (ground loops) to a heat pump.
  4. Boilers: A boiler heats water which is then distributed through the home through pipes via radiators or a coil in your ductwork. That is then distributed by an air handler. Boilers send cold water, hot water, or steam through pipes that run throughout your home.
  5. Radiant systems: Radiant systems are run by a boiler and distribute heat using a radiator. Water is heated up by the furnace and heat is distributed through pipes that are embedded in the walls, floors, or ceilings. Radiant systems can only be used for heating.

HVAC Maintenance

No matter what HVAC system you have, like most things in your home, they require regular maintenance. taking care of your system can reduce your energy bills, resulting in the need for fewer costly repairs, better air quality, and fewer system breakdowns. While it’s best to leave the maintenance of these systems to the pros, there are some things you can do to help extend their life:

Maintenance checklist:

● replace air filters regularly (every 30 to 90 days);
● check your smoke and carbon monoxide detectors monthly
● inspect ducts for dust, mould, or debris and consider having them cleaned (especially if you have pets or after a reno);
● during and after a heavy snowfall, make sure your furnace’s exhaust vent isn’t obstructed;
● remove any debris from around your outside HVAC unit and clutter from the indoor unit;
● ensure your outdoor HVAC unit is level;
● ensure your thermostat is calibrated to your comfort preferences and monitor your energy bills accordingly;
● check the batteries in your thermostat at least once a year; and
● Schedule regular HVAC maintenance with a trusted professional.

Signs your heating or cooling system needs to be replaced

The average lifespan of an HVAC system varies – typically anywhere from 10 to 25 years. Some
symptoms that may suggest it’s time for a replacement include:

  • It’s unreliable and needs frequent repairs;
  • it’s old;
  • it runs constantly;
  • some rooms or zones in your home are not heating or cooling properly;
  • air quality in your home is noticeably poor, such as excessive dust, high humidity, or the presence of a mouldy odour; and/or your energy bills have been increasing unexpectedly;

An outdated heating or cooling system won’t be as effective or energy efficient and can cost you more money compared to the cost of a new system. The cost of a new HVAC system depends on many factors, including the type of unit you’re installing if new ducts are required, labour requirements, the size of your home, the number of floors and bedrooms and bathrooms, and weather. Understanding the heating and cooling system you have, as well as how to maintain it, is a key component of homeownership. After all, an HVAC system that runs smoothly means comfort no matter the season!

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Prepping Courtenay Houses for Sale for an Open House

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Open houses are a great way to attract buyers to your listing. Many agents use an open house as part of their selling strategy to draw attention to your property. But, before you host an open house, it is essential to prepare your home. In today’s market, buyers expect that Courtenay houses for sale are as close to perfect as sellers can make them. Unfortunately, prepping for an open house is not an overnight task. Instead, you’ll want to begin at least one month in advance to ensure the best results and the least amount of stress. In this article, I will be going over some of my top tips for preparing Courtenay houses for sale. 

How to Get Courtenay Houses for Sale Open House Ready?

  1. Fix the Red Flags

In order to have the most successful open house, it is important that your home is in working order. A broken HVAC unit, leaky faucets, mould problems and other red flags can quickly deter potential buyers. In addition to fixing your home’s problems, you will want to ensure that your home is ready to be toured. This means adding a fresh coat of paint where needed, fixing holes in the wall, cutting the grass, tidying the yard, etc. 

  1. Clean + Declutter

Just like preparing for listing photos or showing it is crucial that you clean and declutter before hosting an open house. Make sure your counters are empty, try and minimize what’s in your closet, and deep clean every crack and crevice in your home.  

  1. Stay Away From the Property (Pets Too)

Come open house day, it is very important that you stay away from the property. The last thing buyers want is to meet the seller when they are trying to get an objective opinion on the house. You’ll also want to ensure that you take your pets with you. Not everyone likes animals and having them can be a red flag for some folks.  

If you are looking for more ways to prepare Courtenay houses for sale for an open house, contact me today! I’d be happy to help you make sure that your home is as ready as can be! For more information about properties in the area, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon. 

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Credit Scores: What Are They and What Affects Them?

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Much like your income and down payment, your individual credit score is a major financial component of qualifying for a mortgage.

Your credit score will be one of the main criteria lenders will examine when you apply for a mortgage. It’s important to ensure your score is in good standing before embarking on the home purchase process. But what exactly is a credit score, and what sets a good score apart from a bad one?

Frances Hinojosa, CEO, co-founder, and principal mortgage broker at Tribe Financial Group, explains what you should know about credit scores and what factors influence them.

What is a credit score, and why is it important?

In simple terms, a credit score is an evaluation of how you maintain and utilize credit. This includes how you handle credit cards, loans, mortgages, and other credit facilities.

Hinojosa says many people don’t realize their credit score is one of the biggest indicators when it comes to the mortgage qualification process. It could impact the interest rate you receive for your mortgage.

“That’s one of the very first things a bank or a mortgage broker would consider or would look at,”
she explains. “It’s equally as important as your income or affordability of paying a mortgage.”

A score of 680 and above is the sweet spot that will give you access to most products. Anything
less than this might limit your options. If you have a score of 600 or less, you may be looking at higher risk-based pricing on your mortgage and interest rate offerings. Your credit score is determined by a number of factors: your credit payment history, the amount of credit you have available, and how long you’ve had it. Having a healthy credit score demonstrates to a lender you can meet your payment commitments over time.

“It shows the consumer is responsible and has a track record of owning up to their obligations
and paying as agreed,” said Hinojosa. “That also plays into risk-based pricing on the actual
mortgages, as well.”

What factors determine my credit score?

There are a handful of indicators that play a role in shaping your credit score, according to Hinojosa. One of the most influential factors is your payment history, which includes making sure you pay your debts on time. Thirty-five percent of your credit score is based on payment history. If you can’t pay off your credit card in full, Hinojosa recommends making at least the minimum payment by the due date to keep your score in good shape. Having a public record of being in collections or bankruptcy may also impact your credit score.

Another factor is how you use your credit. You’ll want to avoid charging up to the maximum amount or upper limits of your credit card. Hinojosa suggests keeping your credit charges to around 30% of your limit each month.

Thirdly, your credit score is influenced by how much credit you have available. Occasionally,
Hinojosa sees consumers who don’t have any credit, or those who believe using credit is a bad
thing. However, having a history of varied credit use, such as a couple of credit cards and a car
loan, proves you have a history of making payments. How long you’ve had access to credit is also important. The more time you’ve had a credit history, the better. Hinojosa compared this to car insurance.

“Usually when you’re a new driver, it’s a bit more expensive. Whereas if you have a good driving
history, the longer the good driving history, the lower your insurance premium,” she explained. “It’s very much the same when it comes to credit. The longer you show a history of repeating
good credit, the better it will be for your credit score.”

Finally, making an inquiry on your credit accounts for 10% of your overall score. Some
consumers tend to get concerned when they’re shopping for a mortgage that they’re going to
take a hit on their credit score. Hinojosa says consumers shouldn’t be overly concerned if a
lender is making an inquiry as part of the mortgage process. On the other hand, you may not want to apply for many types of credit all at once, as this will result in multiple back-to-back inquiries.

“If you already have excellent credit, let’s say 720, [at] 10% of that, it’s only going to impact your
score by seven points,” she said. “It’s not going to put you from an excellent category to a bad
category. It’s probably the least of the indicators to worry about in the overall impact of your
credit score.”

How can I improve my credit score?

If you’re planning to buy a home in the future, but aren’t sure how your credit score stacks up, making inquiries in advance with a mortgage professional can be helpful. This way you can find solutions for tweaking your credit score. Home buyers may need to address items in collections, pay down their credit limits, or make other changes to bump up their scores. There are always solutions to every situation. If you’re thinking about financing a home, don’t be afraid to have a conversation and start the process. It’s all about sitting down with a mortgage professional who can map it out for you. It can take time to improve your credit.

Hinojosa explains credit is reported on a month-by-month basis. It may take a few cycles or more to get your score where you want it to be. In cases where a home buyer needs to secure a mortgage quickly with their current credit score, a mortgage professional can explore different options. If you don’t have time to tweak that credit score, you may have to look at an alternative type of lender which might come with a slightly higher interest rate. It would still be affordable with your cash flow. It’s a stepping stone that will get you over to a traditional bank in a year or two.

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Oh, So Suite

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Housing prices are near record levels and interest rates are on the rise. It is hardly surprising many buyers have and will continue to turn to “mortgage helpers” or secondary suites. This is a way to supplement their income or increase their purchasing power.

According to a May 2023 article from Statistics Canada1, British Columbia has, by far, the most “investor-occupants” in comparison with other provinces. This is a term which refers to a homeowner
who rents out a unit on a property that is also their primary residence. Many buyers will include a mortgage helper on their must-have list alongside an open-concept kitchen.

Properties with income potential likely enjoy a distinct advantage in the marketplace. REALTORS® and their clients should keep in mind that the legality of any secondary suite can present unique challenges and risks for both.

Legal or Not Legal, That Is The Question

A secondary suite is a self-contained dwelling unit with its own entrance, kitchen, bathroom, and sleeping accommodation. Typically it is within a larger single-family home. Sometimes it is an auxiliary self-contained building, such as a carriage house.

While bylaws differ from municipality to municipality, a secondary suite is only “legal” if it was created with a building permit. It must meet all zoning, health and safety, electrical, and fire standards.

The Serious Implications of Legality

There is a shortage of official statistics as to what percentage of all secondary suites in British Columbia are legal. The reality is that illegal suites are common and are often tenanted without serious
incident.

And while enforcement policies against illegal suites vary, many municipalities take a largely complaint-driven approach. They do not actively seek out illegal suites. Yet, if a municipality receives a complaint and discovers the operation of an illegal suite they may act on it.

The potential consequences can be both expensive and time-consuming for homeowners. In addition to hefty fines, municipalities can require homeowners to bring the secondary suite into compliance with all applicable bylaws and standards. They can also require the owner to remove the secondary suite altogether.

Municipalities also have the power to file a Notice on Title for an illegal secondary suite. This would alert potential buyers of a breach of government by-laws or regulations.

Claims Against REALTORS®

With such significant potential consequences for homeowners, it is not surprising that the legality of secondary suites is a consistent hotspot. Indeed, there are many regulatory and court decisions
regarding illegal secondary suites.

Buyers, sellers and realtors should be careful when dealing with suites. An illegal suite can help reduce mortgage payments for a buyer but could create a host of other issues in some instances. A buyer may be relying on that unauthorized accommodation for income.

Sellers should not imply a secondary suite is legal and can be rented legally unless they know it is. This means it has permits and meets all other requirements.

Do not make assumptions. If there is any doubt, confirm with the relevant municipality the legality of any secondary suite.

The risks are equally present for REALTORS®. A buyer relying on unauthorized accommodation for rental income could be extremely problematic. The buyer should know the potential consequences. Along with the loss of income in discontinuing the rental, this could affect the ability to make mortgage payments.

A special note regarding co-ownership

According to Statistics Canada, there is a high prevalence of buyers who seek to purchase real property in groups of three or more in British Columbia.

Buyers wishing to enter into a collective-housing arrangement should get independent legal and financing advice.

When it comes to secondary suites, however, if a group of buyers intend to occupy an illegal suite as part of a collective-housing arrangement, they should know of the associated risks. This includes the risk that the municipality may require the illegal suite to be removed. Similarly, they should know some municipalities may have bylaws restricting the number of maximum occupants in any given property.

Where necessary, it may be prudent to confirm with the appropriate authorities that their intended living arrangements comply with the applicable bylaws and regulations.

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7 WAYS TO SET UP YOUR YARD FOR SENSATIONAL SUMMER FUN

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Your family backyard is the ideal location to create a summer full of memories for you, your family, and your community. Easy to access? Check. Affordable? You bet. Able to accommodate all sorts of activities? Absolutely.

Your backyard’s potential is really only limited by your imagination and willingness to roll up your sleeves to create a sensational space for summer enjoyment. We’ve all been taking our indoor lives out into the green space around us over the past few years. Now is a great time to turn your yard into the ideal outdoor summer room. Many homeowners who have a yard say the family yard space is one of the most important parts of their home.

Here are seven ideas to turn an ordinary yard into a summer oasis for fun and relaxation:

● Give your yard a facelift.

The first step to establishing a summer fun zone is to work with what you have. Clean out flower beds, clear the yard of debris, spread a fresh layer of mulch around trees and bushes, and keep the grass mowed. See what trees, shrubs and plants might be good to add. Use outdoor power equipment to make even big jobs easier. Use a pole trimmer for pruning trees, a leaf blower to tidy your flower beds, a riding mower for big lawns, or a hedge trimmer for your bushes.

● List all the fun you want to have outside.

Identify activity zones for games, entertainment and relaxation. Can your lawn lure your kids away from their screens and into the great outdoors? Consider things like soccer, bocce ball, croquet, or a giant checkers board game. Do you have a patio table or deck where family game nights can be held? Have a swimming pool where you can plan a “dive in” movie night? Invite your neighbours to bring their favourite pool float. You can even plan a memorable family staycation in your own backyard with camping, parties and more. Get your children to buy in by involving them in the planning.

● Bring learning outdoors.

Just because school is out doesn’t mean learning should end. Avoid the “summer slide” by setting up an area for outdoor learning. Create a space under a shade tree where your kids can read. Create games and do experiments outdoors. Teach kids that the activities can be so fun they will never know they’re learning.

● Don’t forget Fido.

Pets are part of the family, too. Think about what backyard improvements you can make to ensure they fully enjoy the dog days of summer. Add a water feature for them to cool off. Plant some bushes for napping in the shade. Use a row of hedges to separate their “business” spot from the rest of the backyard activity areas. Just remember when planting to check a list of toxic and non-toxic plants.

● Make the outdoors as inviting as the indoors.

Think about ways to make your outdoor living area just as comfortable as your indoor spaces. String lights add a warm glow. A fire pit is great for toasting marshmallows. A new deck or hardscaping could be just the thing to take your backyard oasis from boring to brilliant.

● Consider the good you’re doing.

Whether putting in a vegetable garden, planting pollinator-supporting shrubs and flowers, or creating activity zones, your family yard can do a lot. A grassy area is not only a field for play. It’s also an excellent carbon-capturing and oxygen-producing space. Planting shrubs and flowering plants feeds our birds, bees, and butterflies. A leafy tree is a perfect perch for a relaxing swing in a hammock. It provides shade to combat the heat, produces oxygen and captures carbon. A garden where you can grow some of the food your family will enjoy this summer gets you digging in the dirt. This is proven to be good for our immune systems and happiness.

● Put safety first.

When working outdoors, always remember not to have children or pets around while operating outdoor power equipment.

real estate in Comox Valley

The Difference Between Being Pre-Qualified and Pre-Approved

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After eight successive rate hikes, the Bank of Canada held its benchmark policy rate steady to 4.5% in March 2023. Since then there has been another increase and might be more. As a result, some Canadians may be ready to reassess their home-buying plans. This might require some mortgage shopping.

Pre-qualification and pre-approval are common terms you’ll hear in the mortgage space. Both options can be a helpful first step toward securing a mortgage loan. There are some distinctions between mortgage pre-qualification and mortgage pre-approval that are critical for borrowers to note.

What is a mortgage pre-qualification?

Pre-qualification can be a preemptive step in the home-buying process. It is meant to help borrowers get a feel for the loan amount they might be able to secure. It’s typically a brief process that involves going over the borrower’s financial situation.

Pre-qualification is a very casual calculation. It is usually verbal. There is no application, and no third party is checking it. The lender may perform what’s called a “soft credit inquiry”, which does not affect the borrower’s credit score. Since it’s simply a rough estimate, pre-qualification doesn’t guarantee the borrower will be approved for the loan amount quoted down the line.

What is a mortgage pre-approval?

Pre-approval is a much more formal and lengthy process. It requires a comprehensive review of income, debts, and assets. Unlike pre-qualification, it calls for a “hard credit inquiry,” so it can temporarily lower your credit score. It’s a full-fledged mortgage application. You will be taking in to your bank all your documentation, ie pay stubs, and savings account statements. The bank will pre-approve you for a loan amount. The approval is usually good for three or four months.

Which option is right for you?

Generally speaking, it’s best to go the pre-approval route if you are serious about your home-buying plans. Getting pre-approved can give buyers an advantage in a competitive housing market. As well, it allows borrowers to lock in a more desirable loan amount in an uncertain rate environment. That said, there are circumstances in which pre-qualification is the better option:

● If the borrower is simply sizing up their options
● If the borrower isn’t planning to purchase for a number of months, or
● If the borrower has concerns about their credit score.

In any case, whether you opt for pre-qualification or pre-approval, prospective home buyers should work with an expert to assess which option—pre-qualification or pre-approval—is right for them. On a cautionary note, borrowers shouldn’t hold information back when dealing with a mortgage broker. Buying a home is a big transaction. It is important to give as much information as you can to your lender. In the end, it will give you a better result.

comox valley houses

Ready to Sell? My Home is Priceless

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After years of taking care of your home, you are ready to sell. You may have made some minor home improvements. Maybe you even completed a major renovation. The trouble is, you think your home is worth more than the experts are saying. According to a company that establishes residential and commercial property values, many homeowners overestimate its value. RPS Real Property Solutions says a full 26% of homeowners think their property is worth more than it really is. In addition, they expect to achieve more than 10% of the actual appraised value. It is understandable. You may be watching home prices go up in your neighbourhood. Everyone wants to get the most for their largest asset. Something else that happens is you have an emotional bias toward your own property. Many homeowners think their house is worth more than it is.

Why is the appraised value lower than expected?

Many of us convert the sentimental value of cherished memories in our homes into monetary value. The pride we feel for our homes does not translate to actual dollar value. The charm of a cozy kitchen spent sharing meals with loved ones can be seen as too small or too dark for prospective homebuyers.

What is the post-renovation value of my home?

Another reason for overestimating a home’s price point is the value homeowners attribute to renovations they have made. You may have watched the end of a home makeover show on TV. The homeowner often
finds that their home is worth more than the pre-renovation value and the cost of the renovation combined. That is not always the case. It’s true that your investment does increase the value of your home, but it may not be as much as you think.

Where does that leave home sellers?

Caution and preparation are recommended approaches to take for anyone looking to sell and buy. Often, home sellers rely on the value of the home they are selling to support financing the home they are looking to buy. In such cases, if the home you are selling will not sell for the amount you thought, you will have a financing gap. Before you are left scrambling, work closely with your real estate agent and your lender or mortgage professional. Explore different scenarios and your options to achieve the desired outcome.

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How to Reduce Humidity in Houses in Courtenay During The Summer?

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During the summer, our homes can become a lot more humid than in cooler seasons like winter and fall. This is because hot air holds more moisture. If your home has high humidity, you can start to notice all sorts of problems. For instance, trouble sleeping, musty odours, sticky surfaces, and in the worst-case scenario, mould. In order to keep humidity within a normal range, there are a few things you can do. In this article, I will be sharing my top tips for keeping your home less humid. Follow along below to learn more!

Combat Humdity in Houses in Courtenay With These Tips!

  1. Use Your A/C

Although air conditioners can be expensive to use, they work wonders for getting rid of humidity. Air conditioning units help reduce humid air indoors by replacing the warm air with cooler air. You can keep your home less humid by turning on your air conditioner every now and then during the summer. 

  1. Don’t Forget to Turn on the Fan!

There is a reason why bathrooms and kitchens have ventilation fans. If you want to keep your home from getting overly moist, it is important that you use these fans when showering or cooking. You can even keep them on a little longer to help reduce indoor humidity. 

  1. Invest in a Dehumidifier

Another great way to say goodbye to humid air is by using a dehumidifier. Dehumidifiers are specially designed to fight moisture. They are also a great way to help reduce cooling costs during the summer since they do such a good job of keeping humidity levels low. 

Contact me Today

Keeping cool during the summer is a must. Especially when you are living in a place that is naturally humid. If you are looking for more ways to reduce humidity in houses in Courtenay, contact me today! I’d be happy to help you make sure that your home is as comfortable as can be! For more information about properties in the area, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon. 

comox interest rate hikes

Effect of Latest Interest Rate Hike: Housing market activity will soften, but home prices are not likely to go down

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Canadians continue to grapple with the increased cost of living. The Bank
of Canada’s latest hike to interest rates on July 12 will add more pressure to
variable rate mortgage holders. It will also make it more difficult for those
looking to qualify for lending.

Buyers who have secured a rate hold are anxious to make a purchase
before it expires.

Some sellers have hit the pause button on listing their
homes until economic conditions stabilize. This will further contribute to a
lack of available inventory. Additional demand pressures will ensure that
home prices remain stable through an expected decline in sales activity in
the coming months.

“The Canadian real estate market has been in a steady state of recovery
since the start of the year. While these additional interest rate hikes, and
those potentially to come, will likely put a damper on activity and sales
volumes, demand for housing remains very strong,” said Phil Soper,
president and CEO of Royal LePage. ”We expect the rate of appreciation to
moderate through the second half of 2023, causing home prices to level
off or increase marginally.”

What do the experts say?

Royal LePage is forecasting that the aggregate price of a home in Canada
will increase 8.5% in the fourth quarter of 2023, compared to the same
quarter last year. The previous forecast has been revised upward to reflect
strong activity and price appreciation in the first half of the year.

According to the Royal LePage House Price Survey released in mid July,
the aggregate price of a home in Canada decreased modestly by 0.7%
year-over-year to $809,200 in the second quarter of 2023. The indication
here is that nationally, the real estate market is close to the point where it
will have recovered fully from 2022’s post-pandemic market correction.

Aggregate price of a home in Canada rose 4.0% in Q2

On a quarter-over-quarter basis, the aggregate price of a home in Canada
rose 4.0% in Q2. This was the second consecutive quarter to show
positive growth. As a result of the Bank of Canada’s aggressive interest
rate hike campaign, there has been a decline in prices over the last year.
Interest rates began rising in March of 2022.

“The Bank of Canada’s prolonged series of interest rate hikes has changed
where and how people live. It has pushed some buyer hopefuls to choose
less expensive housing types or neighbourhoods. Others have chosen to
relocate to more affordable markets across their province or across the
country.

And, some buyers have been pushed to the sidelines indefinitely,”
Soper continued. “Economic uncertainty has caused some potential
sellers to reevaluate their plans as well. The worry that they will be unable
to find the move-up home they need in today’s tight market is a major concern.

Further, there are those who secured fixed-rate mortgages at
generational lows of two percent or even less, who are understandably
reluctant to wade back into a market with substantially higher borrowing
costs. Fewer sellers mean fewer listings, which adds further pressure to
our chronic shortage of inventory. Access to affordable housing in Canada
will continue to be a major social issue.”

Second quarter press release highlights:

● Aggregate price of a home in Canada in Q2 2023 sits at just 5.6%
below the peak reached in Q1 of last year
● 94% of regions in the report posted quarterly aggregate home price
appreciation
● Chronic shortage of housing supply, due in part to sellers’ hesitancy
to list, continues to put upward pressure on home prices
● Royal LePage urges officials to quickly increase support for more
development, including affordable, purpose-built rental buildings

comox valley real estate

Strata Depreciation Reports

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More than 1.5 million British Columbians currently live in strata housing. There are commercial, industrial and mixed-use stratas in BC. It’s important to understand a tool in assessing the condition of a strata property: the depreciation report.

What is a Strata Depreciation Report?

A strata depreciation report is a 30-year projection. It consists of thorough written and illustrated physical assessments of the condition of all components of a strata property. Sometimes called a Reserve Fund Study, it identifies current and future issues that need to be addressed and their associated cost estimates. Even though it is improbable to accurately assess costs in the future, it provides a road map for strata corporations to follow.

According to provincial regulations, a depreciation report must include an inventory and evaluation of the building:

● structure,
● exterior (such as roofs, roof decks, doors, windows and
skylights),
● systems (such as electrical, heating, plumbing, fire
protection and security),
● common amenities (such as fitness room, pool, bike lockers
etc).

Collectively, the items listed above are known as common property. They are parts of the strata that are shared by all owners of individual units.

Why is a Strata Depreciation Report important?

A strata depreciation report helps strata corporations plan for repair, replacement and renewal of common property and assets. It is especially important for those that require a considerable outlay of
money, such as roofs, windows, elevators, roads or utilities.

They are also an important part of a buyer’s due diligence. They provide insight into future repair and maintenance needs and associated costs. Buyers should thoroughly review strata depreciation reports. If warranted, they could seek legal or other expert advice before making a buying decision.

Buyers should also understand that the depreciation report covers common property. It does not cover the owners’ individual units. Buyers should still have an inspection for the specific unit being considered.

What isn’t covered in a Strata Depreciation Report?

Depreciation reports don’t normally cover every item in/on the common property or routine repairs and maintenance. Buyers should still do their own due diligence. This can be done by having the property inspected. Other strata documents to request for additional information: bylaws, rules, regulations, meeting minutes, strata plans, and summary of insurance coverages. These are in addition to the depreciation report.

Are Strata Depreciation Reports mandatory in BC?

Under British Columbia’s Strata Property Act and Regulations, strata corporations must obtain a depreciation report unless the strata consists of fewer than five strata lots. The Regulations also require the report to be updated every three years.

Can Strata Corporations opt out?

Strata corporations in BC can waive the requirement to obtain one or defer the renewal of one. To do this, three-quarters of the owners must pass an annual vote in favour. Voting to waive a depreciation report could be a mistake over time. Long-term costs of unanticipated repairs and maintenance needs can serve to outweigh short-term savings gained from opting out. In addition, prospective buyers may be reluctant to invest in stratas that don’t have a long-range maintenance plan in place. Another possibility is that lenders and insurers may consider stratas without depreciation reports greater risks.

real estate in Comox Valley

When to Increase Your Buying Budget

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When you set a budget for a new home, you’re hoping to find the ideal property within that price range. You may even be expecting to be able to purchase within that range. But, it doesn’t always work out that way. In fact, there are many circumstances in which you might have to rethink or possibly increase your budget to get the home you want.

For example, you might find that properties in neighbourhoods you’re targeting are selling for more than you expected. If that is the case, you might have to look for a home in a different area. You also may have to see if you can bump up your budget. Another scenario that often comes up is a changing wish list. You may view a few homes for sale and realize that a particular feature is more important to you than you initially thought. You might have budgeted for a three-bedroom home. Once you’ve seen a few properties with four, you think you definitely want four bedrooms! To get that fourth bedroom, you may have to increase what you spend.

Finally, you might find that you view a property and fall in love with the place. It’s perfect. It has everything you need. You’ve got to have that home! The problem is, its price is outside your budget. If this happens, you’ll need to weigh the pros and cons. Is it worth paying a bit more to get a home that will have a significant and positive impact on your lifestyle and happiness? As you can see, there’s a lot to consider when shopping for a home and trying to stay within a budget. Let me help you navigate through the process.

Painting Tips: Get the Job Done Faster

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Unless painting a room is a passion, you probably want to finish the task as soon as
possible. You still want to do a quality job though and you want to be efficient.
Here are some tips for doing just that:

● One-coat paints. Having to do a second coat is time-consuming. Fortunately,
there are several “one coat” paints that can get the job done. They don’t work for
every type of project. But, if your walls are in good condition and you’re not
dramatically changing the underlying colour, a one-coat paint is worth
considering.

● Leverage various-sized rollers. Most people use rollers for the main wall surface
and switch to brushes for the tight areas. Instead of a brush, try a smaller roller.
That can speed up the painting considerably.

● Use quality brushes and rollers. Cheap brushes tend to not hold paint evenly and
can also shed fibres. Then you have to pick them off the painted surface. Good
quality brushes and rollers may cost a little more, but the paint will be applied
more smoothly and evenly. This will save you time.

● Wear your painter’s tape. When running painter’s tape to prep a room, wear the
roll on your wrist. That way, you won’t constantly be reaching for it.

● Wrap rollers and brushes in plastic. For longer painting jobs, wrap rollers and
brushes that are not in use in plastic wrap or baggies. Not a special type of
plastic, just wrap or a baggy you use every day That will keep the brushes and
rollers wet while you take a break.

● Start in the middle. Most people start at the end of a wall and work their way to
the center. You’ll paint faster if you do the opposite. In addition, you’ll avoid
applying too much paint in the corners. People are apt to use too much when
they start there.

Want more tips for preparing your home for sale? Call me.

Courtenay Real estate

Signs That You Should Buy Comox Houses for Sale

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Knowing when to look at purchasing a home is almost as important as having the finances to do it. Especially, given the current cost of living in Canada. There are so many different reasons that people choose to buy Comox houses for sale—whether you’re a first-time buyer or simply looking to downsize. When it comes to timing, there is no such thing as perfect. However, there are some signs that might tip you off that it’s time to buy a new home. In this article, I will be going over all of the reasons that you should invest in Comox houses for sale. Follow along below to learn more!

Comox Houses for Sale: Signs to Buy

  1. Say Goodbye to Rent

If you’re eager to stop paying rent and start putting money towards a mortgage of your own, this is usually a good sign that it is time to buy. Many people begin by renting a home because it is easier, usually cheaper, and requires less time. If you have the financial freedom to buy a home, this is a good sign to start working towards purchasing. 

  1. Growing Pains

Another reason that people choose to buy a home, is because they have kids on the way. If your starter home is beginning to feel a little cramped, it might be time to upsize to accommodate your growing family. A bigger property and house will provide your family with the space they need to grow. Be sure to factor in how your children will impact your financial stability as you work towards buying a new home.

  1. Your Kids Have Fled the Nest

Finally, if your children are all moved out and off to college, it might be a good time to start thinking about downsizing. An empty home can be a lot of work without your kids around to help with daily chores and maintenance. Besides, as you grow older the hassle of maintaining your home will likely grow. Because of this, it is ideal to consider buying something smaller like an apartment or condo. 

Contact me Today!

Knowing when to buy a home is incredibly important in achieving your real estate goals. After all, it can save you from investing in a home when you aren’t ready yet. If you are looking for more signs to buy Comox houses for sale, contact me today! I’d be happy to help you during the buying process. For more information about properties in the area, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon. 

Should You Worry about Competing Listings?

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Imagine, you’ve been waiting for the right moment to sell your home. You’re finally ready
to pull the trigger and list it. Just as you’re about to put up the sign, you notice that a few
other FOR SALE signs have unexpectedly popped up in the neighbourhood.

Oh no! Now there are competing listings. Does that mean you should put your plan to
sell your property on hold? Not necessarily.

Why You Shouldn’t Worry About Competing Listings

Just because comparable homes are for sale in the area doesn’t mean it’s not a good
time to make your move. In fact, even if there is a sharp increase in local listings, active
buyers might still outnumber properties available. In that scenario, you’d likely get
several interested buyers.

Even in the case of a buyer’s market, now might still be the ideal time to sell. Don’t
forget, your home might have desirable features that some buyers are eagerly looking
for. That would give your home an advantage over others on the market.

In addition, a large part of a successful sale is in how a property is marketed and
promoted. With effective marketing, your home is more likely to be noticed by the right
type of buyers. That means buyers who are actively looking for a property like yours.
You never know when they will come along. If you are not on the market, they will not
see what you have to offer.

So waiting for the perfect moment to sell your home rarely makes sense. In most cases,
the best time to list is when you are ready. That probably means now if you have been
thinking about it and trying to time it right.

That being said, it is helpful to find out exactly what to expect should you list your
property in today’s market. To find that out, call today.

How to Pack for a Move

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You never thought you owned a lot of stuff before. Now you have to move and you’re
not sure where to begin. It probably feels like too daunting a task to get everything done
by your completion date.

How are you supposed to pack it all up in time?

Take a deep breath. With the right packing tips, you can have everything out before the
deadline and keep your sanity.

This guide will show you how to pack for a move when you don’t have a lot of time to
spare, so keep reading.

Rent a Moveable Storage Container

Packing for a move is much easier if you can take the boxes out of your house and load
them up in a storage container as you go. This will help you save precious time.
You won’t have to rent a truck or a moving team to transport all your belongings to a
self-storage facility. In this way, you’re cutting out travel time to and from the unit. That
can take up a lot of time.

A portable storage container will also take all your belongings to your doorstep. This
means you won’t have to make several more trips to unload everything from storage
when you get to your new home.

While this isn’t the right fit for everyone during a move, it can make the entire process
less overwhelming.

Don’t Do It Alone

Trying to pack up your entire house on your own is a massive chore, especially if you’re
in a time crunch. Everything will be much more manageable if you have help.
Hiring a moving team is a smart choice for many homeowners. However, you won’t
have to if you can call on your friends and family and ask them for a favour. Set up a
packing day where you treat them to a meal after a day of work. You can always return
the favour when they need it.

Write a To-Do List (And Stick to It!)

Thinking about all the chores you have to do to prepare for a move can be
overwhelming. It’s easy to get distracted and overthink it. Then you may end up not
able to finish anything on time.

Don’t let yourself get carried away.

Instead, write a to-do list that includes everything you need to get done before you
leave. Focus on one step at a time. Tackling small tasks one at a time will keep you on
track and speed up the process.

Sort as You Pack

Keeping things you don’t need will take up space in your storage container or moving
truck. This means you’ll have to pay extra money for more space and spend more time
moving useless boxes.

You should try to get rid of as many items as possible while you’re packing.
Don’t let go of anything you’ll regret though.

Saving space and money is important, but it’s not worth losing precious keepsakes. If
you’re having trouble deciding whether or not you should let something go, keep it for
now. You can always get rid of it later when you have more time to think about it.

Throwing things away too quickly could bring about a lot of heartache. It will defeat the
purpose if you have to buy new replacements later.

Label EVERYTHING

Do your best to write a list of everything you put inside a box. Tape this list to the
outside so you know where to find things when you’re unpacking. If you can, label every
box with a room, such as “kitchen,” “bathroom,” “primary bedroom,” “laundry room,” etc.
This will make it easier to put every box in the right room. It will also reduce your risk of
losing anything during the move.

If you need to be out of your house quickly, you might not have time for such organized
packing. In this case, do your best to just get everything in a box. Though it will be
harder, you can sort it all out again later.

Pack a To-Go Bag

As you pack for a move, you should always load a to-go bag with some basic
essentials. Keep it with you during your travels. The storage container you rented might
get delayed (unlikely). The moving team might not show up at your new home on the
same day as you. A to-go bag will ensure you have enough with you to survive a day or
two without your belongings.

Here’s what you should pack in your bag:

● Wallet
● Keys
● Medications
● Important paperwork (such as your SSN, birth certificate, passport, etc.)
● Phone charger
● Toiletries
● Change of clothes
● Roll of toilet paper
● Food and water
● Pet supplies (if necessary)
● Kid supplies (if necessary)
● Bedding (if you have space)
If you have any expensive jewelry or other belongings, you should keep these with you.
It’s a good idea to pack valuables in your to-go bag to ensure they don’t get lost or
damaged during the move.

How to Pack for a Move When You Have No Time

There are a lot of steps involved with a move. Figuring out how to pack up your home is
one of the hardest. It takes up a lot of time. If you aren’t careful you could end up losing
or breaking things along the way.

5 Kitchen Items Homebuyers Never Regret

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You’re searching for a new home and would like an amazing kitchen. You are putting together
a wish list of features you want in the house and in this space.

You may worry that you are being a bit too particular but don’t. According to some, the two
rooms most scrutinized by buyers are the kitchen and the ensuite in the primary bedroom.

This makes sense because the kitchen is usually considered the heart of the home. From
family dinners to the place where people congregate at a party, this room will get a ton of use.
It’s not uncommon for people to purchase a home and begin a kitchen renovation right away.
However, that may not be a project you want to take on. This makes sense. Buying a home is
expensive and a major kitchen remodel can also be expensive.

You may be willing to pay extra for a home with a kitchen that already has many of the things
on your list. Instead of settling for a good kitchen that’s not your dream and having to budget
and plan for future upgrades, you’d like to move right into pure luxury.

Here are five items you would like to have in your ideal kitchen and you may not regret adding
them to your list.

Smart Refrigerators

While they can be expensive, smart refrigerators can serve as the ultimate
convenience.

These fridges come with features like voice control and sensors that detect when food
needs to be replaced. They also have temperature monitors so you can make sure your
food is always stored safely. Smart refrigerators also come with different types of
storage options, such as deep freezer drawers, adjustable shelves and more.

Farmhouse Sinks

Farmhouse sinks are a stylish addition to any kitchen and they come in a variety of
styles and materials.

Since they’re larger than traditional sinks, you’re able to fit more dishes into the basin.
That is a bonus if you don’t want to have to wash each dirty dish immediately.

They also come with a style that adds character to your kitchen. Not only that, but
farmhouse sinks are usually deeper than regular sinks and have more rounded corners
for easier clean-up.

High-End Appliances

Refrigerators with dual cooling systems, induction ranges and ovens that have Wi-Fi
connectivity, these high-end appliances can really bring your kitchen into the 21st
century. They can also add a sense of luxury and sophistication to the kitchen. This
makes it the perfect place to entertain guests and family alike.

Chic and savvy, high-end appliances can essentially upgrade a kitchen without
remodelling the entire space. It’s possible you’ll find houses with newer high-end kitchen
appliances though the space is a bit on the older side.

Built-In Storage

A great way to maximize your kitchen space, built-in storage is a major win.

Having shelves and drawers that are integrated into the cabinetry makes it easy to
organize everything from ingredients to cookware. Not only does built-in storage add
convenience, but it also looks great. It can really enhance your kitchen’s overall
aesthetic.

Kitchen Island

There’s no such thing as having too much space in a kitchen. An island is something
worth putting on your must-have list.

With an island, you can keep all of your ingredients organized in one place. You can
also have a designated spot for prep work. Kitchen islands come in different styles and
finishes so you can find one that looks perfect.

It’s easy to get caught up in an otherwise great home with a mediocre kitchen. Just
remember, this is a space you’re going to be spending a lot of time in for years to come.

You won’t regret holding out for a home that has at least some of these five items. They
will enhance your home. You’ll never wish your kitchen was a little less great. You may
regret saving a few bucks by settling and then feel you need to upgrade.

homes for sale in Comox

Viewing Homes When You Have Little Time to View Homes For Sale in Comox

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Have you ever had to go last-minute gift shopping? If so, you know what that can be like.

You don’t have time to amble casually through numerous stores hoping to come across something suitable. The clock is ticking. You need to find the right gift, now!

A similar thing can sometimes happen when shopping for a new home for sale in Comox. You may not have a lot of time available in your schedule. Yet, you need to view properties and find the right home, quickly.

How do you do that on a tight schedule?

One way is to be very clear on the type of home you want. The more narrow your search parameters, the more likely you are to view properties that are strong candidates.

Create a profile of your dream home in the Comox Valley. Include property type, number of bedrooms, features, and other details. Be clear on the kind of neighbourhood you’d like to live in too. Find out what these types of homes are currently selling for.

It is really important to shop in the correct price range. You won’t want to be disappointed by looking at property that is outside your capability to purchase. Talk to your bank or mortgage broker to determine your affordability. Shop within that range.

Adjust as needed

If you discover your budget is lower than your ideal homes are selling for, adjust either your budget or your property expectations. If you can’t increase your budget, don’t panic. Chances are, you can still get a great home that meets your budgetary requirements.

When scheduling appointments to view, see as many homes as you can on each trip. That way, you’ll make the most of your viewing time. When seeing properties, make notes right away. When you are looking at several homes for sale in Comox, it’s easy to get them mixed up.

Try to narrow your list even further. For your favourites, you will want to get as much information as possible to make a decision. You may want to refresh your memory and quickly schedule a second viewing before making an offer.

Want to find the ideal home faster? Call today! Check out my Google Business page for more information!

courtenay real estate

Should I Get a Home Inspection When Buying Courtenay Real Estate

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Getting a home inspection before you purchase a new home may seem like a no-brainer. However, given the right market conditions, you’d be surprised how many buyers neglect to have one done. When buying Courtenay real estate, it is crucial that you take the time to arrange for an inspector to visit your potential new home. Although you may think the property is something out of your dreams, it could be riddled with hidden defects. To avoid purchasing a home with costly problems, buyers must have a home inspection done. In this article, I will be going over all of the reasons why you should get a home inspection before sealing the deal! Follow along below to learn more. 

Why Get a Home Inspection?

  1. So That You Can Back Out

One of the main reasons that buyers should consider getting a home inspection done, is so that they have an “out” in case the home has defects. A good home inspection will reveal information about the condition of the property that could change a buyer’s mind about whether or not they want to buy the home. Especially, if there are major repairs that need to be done right away. 

  1. For Safety 

The last thing you want is to move into a home that poses safety risks to you and your family. Things like radon, mould, asbestos, and carbon monoxide can easily go undetected without an inspection. Having one done will help you sleep better knowing that the property is up to code. 

  1. As a Tool for Negotiation

If your home inspection reveals a ton of defects, you can use this information to negotiate a better price. Some buyers even negotiate for repairs from the seller. Ask your agent about how you can use your home inspection results to negotiate a deal.

Contact me About Courtenay Real Estate!

Home inspections are an important part of buying any new home. After all, they can save you from investing in a home that needs thousands of dollars in repairs. If you are looking for more reasons to get a home inspection when buying Courtenay real estate, contact me today! I’d be happy to help you during the buying process. For more information about properties in the area, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon. 

buying a comox valley home

Pros and Cons of Buying a Comox Valley Home As-Is

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Buying a home as-is can be enticing. If you have been struggling to get into the Comox Valley market, the price point can be more affordable. For others looking to buy it can be a viable option to explore. Housing supply is low in Courtenay and Comox now. It may be your avenue in.

However, it is important to bear in mind the decision to buy a home as-is works for some, but
not for all. Buying “as-is” means the homeowner is selling the home in its current condition. The seller will make no repairs or improvements. What you see is what you get, but what you don’t see is also what you get.

With the correct steps taken, buying a home this way could be a calculated and worthwhile risk that pays off. Not everyone will have the same experience. The seller isn’t warranting anything about the home and they are not going to be making any fixes or repairs.

Buying a home as-is comes with its own unique set of benefits and challenges, some of which are outlined below.

When buying as-is in Comox could be a good idea

There are several reasons why the property may be sold as-is.

Homes sold in as-is condition don’t necessarily mean they’re faulty. Sellers may want to sell this way because they want a smoother transaction with less hassle. They may be a beneficiary who has never even lived in the home. It may be an estate sale and they are in no position to warrant anything.

Other situations where buying as-is could be the best move would include when a buyer is in a multiple-offer situation and they really want to win. Knowing they plan to gut and fully renovate the property means it doesn’t matter if there is work to be done. Having the seller warrant any repairs or guarantee everything is in working condition is unnecessary in a case like this.

There are specific instances when an as-is sale is advantageous, but knowing exactly what’s being bought is crucial. The only way for the buyer to be sure they know what they are buying is to have a home inspection done. This will reduce any major avoidable surprises down the line.

When Buying a Comox fixer-upper might not be a good fit

It’s wise to have a home inspection done so there’s a clear understanding of exactly what the buyer is getting into. Knowing what repairs are required upfront, as well as the cost, is a must. As-is properties tend to be attractively priced. That doesn’t mean potential buyers should blindly launch themselves at the opportunity. Refurbishments can add up and become costly, especially if they have to be made at a structural level.

It cannot be stressed enough. Not having the property inspected and purchasing the property only to find out there are an array of deficiencies and major issues would be a mistake. The responsibility would fall on the new owner to fix any defects. The mindset and skills of the buyer are also very important. If they’re not handy, tackling DIY projects could end up costing more money in the long run. If or when professionals need to be brought in to rectify the problem there will be a further expense.

Is buying a home as-is for you?

As is said, there’s a home for everyone, but not every home is the right one. Despite the compelling price point, buying a home as-is can become a financial burden. It’s certainly not all doom and gloom when it comes to these types of properties. Secure an inspection and build a clear understanding of the work and costs required.

Work with your REALTOR® to find out your personal boundaries when it comes to taking risks. If you find an as-is property you’re interested in, have them research why the seller has it listed that way. For some, it may be worth the potential payoff. For others, the stress and headache could be big deterrents.

Your Comox Valley REALTOR® can help determine what’s best for your situation and make sure you land in a home you love. Don’t forget to visit my Google Business page here!

comox home selling tips

DIY Tips for Lawn and Garden Care for Comox Home Sellers

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Keeping your lawn, flowerbeds, and shrubs looking great enhances the curb appeal of your
property. However, it can also be a lot of work!

Residents of Courtenay, Comox, and the area have a longer growing season than many
Canadians. Many have taken steps to simplify their landscaping to reduce water usage and time
for upkeep.

You can make these tasks easier and less time-consuming by doing a few things.

Add mulch around trees and shrubs so you won’t have to cut grass in those areas. You’ll avoid
the need to use shears or a trimmer to do the job properly too.

Adjust lawn mower blades to the optimal height for short, well-groomed grass. That way, you
won’t have to mow as often.

Use tools that don’t require you to bend over or work on your knees. Ones with long handles will
help. That will greatly reduce fatigue.

Apply mulch in flower beds to cut down on weed growth. It will also help retain moisture so you
won’t have to water as often.

Avoid high-maintenance plants that require strict watering and tending regiments. Talk to
someone at your local garden centre about no-fuss plants. There are several nurseries in and
around the Comox Valley.

Consider the use of a soaker hose. It has holes all along the tubing that gently release water.
Simply snake the hose through flowerbeds and shrubs or around trees. Turn on the water and
the hose does the rest.

Some or all of these suggestions will allow you to enjoy your garden but not be a slave to it.

Call today with any questions about the timing to sell your property. Don’t forget to visit my Google Business page!

apartments for sale in courtenay

Condominiums to outperform single-family segment in Canada this year as buyers seek entry-level housing

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Demand for condos in Comox is expected to outpace that of the single-family residential segment this year. It is anticipated homebuyers will be in search of more affordable housing options. They may have been sitting on the sidelines amid higher interest rates and increased day-to-day living costs.

What will happen to the median price of condos in Comox?

According to the 2023 Market Survey Forecast, Royal LePage predicts the median price of a condominium will increase slightly year-over-year. The median price of an apartment-style condo in the Comox Valley at the end of 2022 was $409,000. For a townhouse median sale price was $469,000.

The median price of a single-family detached property is projected to decrease a bit from $727,000 during the same period. With the exception of a couple of larger centres in Alberta and Saskatchewan, condominium prices are expected to outperform single-family detached home prices in all major markets next year.

Despite activity and price declines in many locations over the last six to eight months, buyers are expected to return to the market in 2023. Many of them will be looking for more affordable properties. Some areas that are experiencing a shortage of available inventory, as we are in the Comox Valley, could see condominium prices increase more. Lack of supply continues to be a challenge in many markets.

Contact me for more details on Courtenay condos for sale!

Get in touch with me today if you want to learn more about the real estate market in Courtenay or Comox Valley. I would love to help you buy or sell real estate here! Visit my Google Business page and learn more about condos in Comox!

showing comox home short notice

Showing your Home on Short Notice

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Unless you’re selling in a strong sellers’ market, you should take advantage of every opportunity to show your home.

Say, for example, an interested buyer would like to see your property tomorrow evening. If you say no, they might see another listing in the meantime — and make an offer!

Being prepared to show your home at the drop of a hat is important. That doesn’t mean you should agree to be inconvenienced constantly. However, if you can put up with some disruptions in your plans now and then, you’ll increase your chances of selling your property.

Consider these tips:

  1. Avoid restricting showings to a particular weekday, such as Monday evening and Saturday afternoon. What if an interested buyer isn’t available on those days?
  2. Try to keep your home clean and tidy. That way, you can accommodate a short-notice request to see your listing more easily. You may even want to consider temporarily hiring a cleaner.
  3. Make a list of places you can take your family on short notice. Include your pets as some people are afraid or don’t care for your furry friends. For example, a park, a movie, the beach, for ice cream.

In the Comox Valley, we are not experiencing the frantic market we have lived through since 2020. Prices are not increasing as they were and it is taking longer for some properties to sell. It is a more balanced market even though we are not seeing a big increase in available homes for sale.

You do not want to miss the opportunity to have potential buyers see your home. You never know when or which person is going to be the one to make that offer! Discussions about showing, how to best present your property, and other tips gained from experience are well worth having. If you have any questions about these or other things, call today.

Courtenay Homes for Sale

Make Your Kitchen Stand Out in Courtenay Homes for Sale

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Your kitchen is one of the most valuable areas in your home. In fact, many buyers will avoid putting in an offer on homes with poor kitchens. If you are planning on selling Courtenay homes for sale this spring, it is important to focus on making your kitchen stand out! Whether you are having listing photos taken or an in-person showing, your kitchen needs to look its best. However, this is not to say that you need to do any major renovations. In this article, I will show you how to prepare your kitchen so that it looks its best for potential buyers! Follow along below to learn more.

How to Make Your Kitchen More Attractive?

  1. Tidy and Deep Clean

When preparing your home for listing photos or viewings, it is important that your kitchen is spotless. This means removing everything from your countertops and taking time to clean all cracks and crevices. During a showing, garbage and recycling cans should be empty. Moreover, buyers will likely open cabinets, so it’s important that all shelves are tidy.

  1. Update Cabinetry

Another way to make your kitchen stand out is by updating the cabinetry. This can be done by adding a fresh coat of paint in a neutral colour or adding new hardware to cabinet doors. This simple improvement project can be done in a weekend’s time and for a relatively low cost. 

  1. New Counters and/or Backsplash

If you have some extra cash to spend, you may want to consider replacing your countertops or backsplash. These improvements can be worth the additional cost if your current counters/backsplash are outdated or worn. 

Contact me About Courtenay Homes for Sale

Kitchens are a major selling point in any home. This is why it is so important that your kitchen looks the best it can while you work towards finding a buyer. If you are looking for more ways to improve Courtenay homes for sale, contact me today! I’d be happy to help you during the selling process. For more information about properties in the area, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon. 

single storey suite in comox for sale

Single-storey suite essential feature

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Canadians who wish to age in place consider a main floor that is or can be converted to a single-story unit is essential. This means if the home is not one level, it must be able to accommodate a bedroom, full bathroom, laundry and kitchen all on one floor.

A Royal LePage survey discovered 43 per cent of respondents categorized this feature as essential, while 54 per cent marked it as desirable.

As Canadians age their housing priorities often change and no one size fits all. Not all seniors are looking for the same home features. What they do have in common is the desire to choose where and how they live. They do not want to have that decision made for them.

In addition, they are thinking about their long term needs much earlier than previous generations. Even before retirement, many buyers are thinking about the features of a home that will help them transition into old age with ease.

Age in Place Renovations

When renovating or shopping for a new home this demographic has some specific needs. Of great importance are entrances to the front and rear of the property without steps. A walk-in tub or shower with a wide entrance and non-slip flooring are also considered to be of great value.

Safety and comfort are key considerations. Although they may not need a walker or a wheelchair now, they might someday. If the plan is to stay in their current home longer, it will need to accommodate these potential eventualities.

As happens, many middle-aged people surveyed have seen their elderly parents go through such a transition. That has encouraged them to consider their own needs for the future.

The lowest on the priority list for buyers at the time of purchase are:

  • a whirlpool tub, 16% desirable, 84% not necessary
  • lowered countertops and cabinets, 3% essential, 46% desirable, 51% not
    necessary
  • an outdoor wheelchair ramp, 6% essential, 46% desirable, 48% not
    necessary.

Important considerations for Canadian home buyers

Another very important consideration made by older Canadians looking for a home they can live in longer is buying close to family. In fact, for 94%, buying close to family is top of mind for this demographic. Also top of mind for 88% is buying close to a hospital and community services. Being able to walk to near-by stores and restaurants counts for 86%. The benefits of living in a condominium stands out for 84%. When asked if buying with family is an important factor, nearly two-thirds of those asked say no (65%). More and more, Canadians are choosing to make the right choices rather than down-size as they age.

Some mature buyers are looking for a turn-key condominium. They can spend less time on maintenance and more time traveling after retirement. Others may choose to move from a two-storey home to a rancher to avoid stairs as they age. Or yet others will opt for a multi-generational property that offers the ability to live with family. Another choice is to renovate their existing properties to accommodate their changing needs. As many as 52 per cent of Canadian boomers would prefer to renovate their current homes rather than move, according to the consumer survey.

Seventy-four per cent of respondents say older Canadians are increasingly interested in aging in place. This is due to concerns over the high financial cost of living in senior care facilities. Meanwhile, 59 per cent say the reason is in part due to concerns over the safety of senior care facilities, highlighted during the pandemic.

Survey highlights:


● 43% of survey respondents say a fully-equipped main-floor living space is
essential for seniors planning to age in place
● 42% of respondents say a front and rear entrance with no steps and a walk-in
tub are essential
● Almost all surveyed (94%) say purchasing a home close to family is top of
mind for this buyer demographic
● Canadians are more concerned about the high financial cost of living in senior
care facilities than safety

spring cleaning real estate comox valley

Preparing to Sell: Get your Spring Cleaning Done Faster

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Spring cleaning your home or condominium in the Comox Valley can seem like a great idea until you actually get started. Then it often turns out to be more work than expected! The good news is, there are proven techniques to make the job easier so you can get it done faster.

Plan ahead for Spring Cleaning in Comox Homes

Before you begin the project, make sure you have everything you need: hammers, boxes, tape, garbage bags, etc. Think of the supplies you’ll need and the tools that will make tasks easier. You don’t want to waste time on frequent trips to the store.

Move without Injury!

Consider renting a small moving trolley (AKA hand truck.) That will make it much easier to move heavy objects, such as furniture, as you’re cleaning. You can probably rent one from a local home improvement centre.

Donate what you Don’t Plan on Using

Plan how you’re going to dispose of waste and unwanted stuff. Find out where you can donate clothes, toys, furniture, and other items. There are many places to do this in Courtenay and Comox. Note the location of your local garbage disposal in Cumberland and its hours of operation.

Make a List

Divide tasks into “heavy work” and “light work” and then do the heavy work first, such as moving furniture, reorganizing rooms, etc. Only after completing the heavy work should you dive into the “light work”, such as packing boxes and sweeping.

Ask for Help!

Consider getting help. There are many services available that will assist with cleaning, painting, junk removal, repairs, and more. You can even hire a student to assist you for a weekend.

comox first time buyers

First-Time Buying Pitfalls to Avoid

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Buying your first home is a major life milestone. It is possibly one of the biggest decisions you’ll ever make. It is a major financial and long-term commitment. It is not possible or realistic to be ready for every possible outcome. However, it is possible to prepare for potential pitfalls you may run into during the home-buying process whether it is a house or a condominium in the Comox Valley or any other jurisdiction. Attempting to manage without professional assistance

The buying process starts with the expert assistance of a REALTOR® and mortgage broker. REALTORS® have responsibilities of confidentiality, the utmost care, and loyalty, and are bound by a Code of Ethics. They will inform you regarding essential facts which affect current market conditions. They will also protect and promote your interests. They will discover facts pertaining to a property in order to avoid error or misrepresentation. They will ensure transaction agreements are presented in writing in clear and understandable language.

Experienced professionals will inform you of all the expenses directly related to the real estate transaction. Mortgage brokers will help you get pre-approved and depending on your credit rating and down payment they will design a home-buying timeline. It could take a bit longer to realize your dream if you have bills and loans to pay off or don’t have enough saved for a downpayment.

Overlooking assistance programs and hidden costs of homeownership

As a first-time buyer, it’s definitely worth looking into assistance programs available for first-time home buyers in Canada. In a bid to make homeownership more affordable, the Government of Canada has several federal programs. These include the Home Buyers’ Amount Tax Credit (HBA) the Home Buyers’ Plan (HBP), and the First-Time Home Buyer Incentive.

Provincial governments also offer first-time buyers land transfer tax refunds. Canada Mortgage and Housing Corporation (CMHC) offers mortgage loan insurance. Each assistance program isn’t applicable to all buyers. Taking the time to learn about them to see if you qualify and what could work for you is worthwhile.

Your mortgage isn’t the only cost you’ll need to take into account when buying a home. When it comes to closing costs, it’s best to have more funds available than not. Those costs will vary depending on your particular circumstances. They could amount to 1.5% to 4% of the purchase price.

Another often overlooked expense is moving costs when budgeting for a first home. As well, there are home inspection fees, legal or notarial costs, and fees associated with different taxes and interest.

It’s important to factor in these expenses when figuring out how much you need to save. First-time home buyers should also remember about expenses associated with purchasing appliances, furniture, and window coverings as not all homes come with all of them included. All of these costs add up…

Moving too fast or purchasing more than you can afford

Hastily charging forward can and likely will cost you in the long run. It’s strongly recommended that you have a home-buying timeline mapped out with your REALTOR® and mortgage broker well in advance. This will enable you to work through any potential credit report issues that may prevent you from being pre-approved for a mortgage.

The Canadian Real Estate Association has a Homebuyers’ Road Map to help guide you through the journey along with your REALTOR®.

Another related pitfall is buying more than what is actually affordable. It’s tempting to want to step even just slightly outside of your budget when you feel you’ve found that “unicorn” house. Unfortunately, as with moving too quickly to the purchasing finish line, overextending yourself can cause problems. In the event of falling upon financially tough times in the future, it can prove to be insurmountable. Finding a home that meets all of your wants and needs is next to impossible. Be honest with your budget, taking into account lifestyle expenses like dining out, travel, and weekend getaways. These all add up. If you’re already at your maximum budget, look for a more affordable option. This will allow you to still have a life and build equity. You can upsize or change when the time is right.

It’s a good idea to think about a realistically affordable monthly payment. Rather than looking at the maximum mortgage you’re eligible for, scale it back a bit. That way you will be able to maintain other important financial obligations. You’ll also have some wiggle room in the event of an emergency.

Above all else be prepared

Making the decision to buy your first home isn’t something to take lightly. Even with all of your research, it can still be overwhelming. There will likely be lots of tips, tricks, and anecdotes from family, friends, and colleagues about their buying experiences too. Your REALTOR® can help you navigate the process and answer any questions you have. Their expertise will be invaluable along your home-buying journey.

Your REALTOR® can also help along the way by recommending other professionals if necessary. They are there to provide guidance throughout and help make it a smooth process. Ensuring you have trusted professionals to answer your questions accurately and provide sound advice is the foundation to build upon when searching for your first home.

Remember, you shouldn’t wait until the last minute to reach out to a REALTOR®. Working with a professional from the beginning of your home-buying journey can help you feel more prepared.

houses for sale in Comox

How to Spot Potential Issues With Houses for Sale in Comox?

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When it comes time to purchase houses for sale in Comox, it’s important to be wary of potential issues with the property. Oftentimes, it can be easy to get distracted by all of the features you love. For instance, the high ceilings, large windows, or gorgeous views. Because of this, potential issues like cracks in the walls, broken climate control, and numerous other problems can go amiss. Before you buy a home, it is crucial that you understand what you’re getting into. With housing prices and interest rates the way they are, the last thing you want is to spend thousands of dollars on home repairs. In order to avoid this, we have put together a list of ways to help you uncover potential problems in a home. Follow along below to learn more!

Ways to Avoid Purchasing a Faulty Home

  1. View the Home in Person

It can be tempting to choose a home based on the pictures and videos posted online. However, images can be deceiving. It’s hard to get a good feel for the home and uncover potential issues solely by viewing a home online. In order to get a thorough sense of the property, visiting in person is a must. During the in-person showing, be sure to ask questions about potential issues. For example, if you notice the roof is in poor condition, ask when it was last redone. Or, if the utilities don’t appear to be working properly ask about when they were installed. Generally, if you notice something that looks like it could be a problem, there’s a good chance that you’re right. 

  1. Get a Home Inspection

One of the best ways to avoid buying a home with lots of repairs is to have a home inspection done. Avoiding a home inspection is one of the worst mistakes a buyer can make. Home inspectors will be able to detect “hidden” issues and assess the overall condition of the property. Before you make any final decisions, this step is highly recommended. 

  1. Check the Property Disclosure Statement

Sellers in British Columbia are obligated to provide a property disclosure statement to the buyer. This statement includes details about any existing issues with the home. Furthermore, it explains what needs to be done in order to fix the issues (if any). Property disclosure statements are legally binding and intended to protect both the buyer and seller in a real estate transaction. 

Contact me About Houses for Sale in Comox!

If you are looking for houses for sale in Comox, contact me today! I’d be happy to help you find the right home to buy. For more information about properties in the area, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon. 

home sellers in comox

How home sellers in Comox can be successful in a cooling market

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It’s no secret that Canada’s real estate market has undergone a notable shift for home sellers this year. Homeowners in the Comox Valley also face that reality. Those listing their property now might experience an increase in comparable inventory. It may take more days on the market and there will likely be fewer offers, compared to 2021 and early 2022.

As an example, in Comox and Courtenay, the number of condominium apartments for sale at the end of 2022 was 50 compared to 13 ending 2021.

The length of time to sell had almost tripled in the same time period from 26 to 70 days. Likewise, in the townhouse market, the number of listings went from 23 to 50, and the days to sell from 16 to 62. Although the market has changed, sellers still have every opportunity to stand out. When putting their home up for sale, take the extra time to prepare.

Here are some dos and don’ts for sellers to consider in order to be successful in today’s cooling housing market:


DO – Make the first impression count


You only get to make a first impression once. Ensure that your property stands out. It should have inviting curb appeal so buyers fall in love before they even open the front door. You can achieve this by freshening up the outside appearance with a thorough cleaning and decluttering. Tidy up the exterior.

Make any small repairs to doors, light fixtures, and paving. Touch up any paint where needed. Don’t forget to mow the lawn or shovel the snow. Clean out your eavestroughs, spruce up the front door, and landscaping to create an inviting entryway.

DON’T – Forget about the little things


Buyers will be analyzing your home from every angle when they visit for a showing. It’s important to not overlook seemingly insignificant fixes. See a lightbulb that has gone out? Replace it with a bulb that is the same colour as the others in the room.

Got a door that squeaks loudly, or a drawer that doesn’t open properly? Be sure to repair them. Potential purchasers like to see consistency. Try to manifest this in your home while you’re in the process of selling it.

DO – Declutter and depersonalize


Buyers want to envision themselves in the home. Remove any personal items such as family photos, trophies, or diplomas. This also means putting valuables or seasonal items in storage. Your listing agent may be able to provide you with some references for advice on how to prepare your home for showings.

DON’T – Overspend on the upgrades


While it might be tempting to overhaul your home ahead of listing it, it’s important not to go overboard on the budget. You’re not staging your home for an HGTV shoot. Minor repairs and low cost, but effective updates will be enough to get buyers through the door. Chances are, last-minute big bucks sunk into the home won’t be gained back.


DO – Practice good showing etiquette


It’s important to be prepared for and accommodate showings. Get the selling process off on the right foot. Demonstrate good showing manners by being flexible with visitation times. Remove pets from the premises if possible. Give buyers their space by leaving the property during the appointment. Don’t forget to set the mood for showings, too. Create an inviting environment. You could play soft instrumental music in the background. Keep all lights on for good visibility and add a subtle, pleasant scent like vanilla or fresh linen.


DON’T – Think in the past


2021 was an unusually strong seller’s market. It saw red-hot prices and pent-up purchaser demand. Today, housing markets across the country have noticeably cooled. It’s important for sellers to keep their expectations aligned with current circumstances. As a seller, be open-minded to buyer feedback. Keep the changed market conditions in perspective when it comes to offers and showings.

Please contact me to learn more about selling your home in Comox in this market. I would love to hear your concerns and answer any questions. Follow along on Google for more updates!

winter blues in Comox

How to beat the (work from home) winter blues

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Working nine-to-five in winter can be a struggle. Whether you do your job at the office or from the comfort of your home there are challenges. Remote working certainly has its perks. No need for an umbrella or to shovel the driveway early in the morning. It can also present unique problems during the winter months.

Many people who never worked from their Comox townhouse, apartment, or house began doing so in 2020. And many of those continue to perform their jobs from a home office rather than heading to the office. Lack of sunlight, cool temperatures, and shorter days can make your at-home workday feel unproductive and stagnant. Working and living within the same four walls can seem like the days blur together. There is no break in the routine. A few minor adjustments to your townhouse, apartment, or home office space can help. You can stave off that sluggish winter feeling.

Here are a few great ways to help you beat those winter blues when working from home:

Feed your brain images of joy and motivation


Your workspace should spark creativity and energy. Promote an uplifting environment with bright decorative items, inspiring artwork, and images of loved ones. Make the space feel productive in the winter. Add desk organizers, your favourite stationary, or a whiteboard calendar.

Brighten your space to make it your happy place

Your daily dose of sun is a great way to get a boost of vitamin D and serotonin. There are fewer daylight hours during the winter months. That can make it harder to get the rise in serotonin levels required. You can change that by placing your desk in a sunny spot in your townhouse or apartment. If there is a lack of light, mimic natural sunlight by investing in a desk sun lamp.

Add plant-power


Bring some life into your workspace with the addition of house plants. Whether you prefer fiddle-leaf fig trees or tiny succulents, a collection of indoor shrubs can help to lift your spirits. Plants are not just pretty to look at. Many of them provide stress-reducing and air-cleaning qualities, such as aloe vera, snake plant, and lavender.

Enjoy a little aromatherapy

There’s nothing like the smell of freshly brewed coffee to get you up and running. Introduce scents into your at-home office to make the space feel inviting and invigorating. Use a diffuser with your favourite essential oils. Burn a candle to take in your preferred aromas. Certain smells are known to promote concentration and alertness, such as citrus, vetiver, and peppermint.

Bonus Tip

It’s important to take breaks. Even when temperatures are really cold, getting outside can be beneficial to your mood and mental health. Throw on your warm coat and enjoy a blast of fresh air, even for a few minutes, to boost your energy levels. Step out of the comfort of your condo to recharge.

Contact me if you’re looking for a home with a great work-from-home setup! I would love to help you find real estate in the Comox Valley! Please follow along on Google Business to learn more!

Homes for Sale in Courtenay

Up Your Chances of Selling Homes for Sale in Courtenay

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Selling homes for sale in Courtenay is a big decision. In order to get the most out of your investment, it is important that you take the necessary steps to prepare. Before you sell your home, there are a couple of things you can do to attract buyers and return a better profit. In this article, I will be going over some of the best tips and tricks for sellers! These tried and tested methods are certain to help you as you work towards selling your home. Follow along below to learn more about this topic.

Preparing to Sell Homes for Sale in Courtenay!

One of the first tasks that you should consider when selling your home is to repaint the walls in high-visibility rooms. For instance, the kitchen, living areas, and bathrooms. Moreover, it is important to choose neutral colours so that the buyer can imagine their belongings in the house. Next, be sure to repair or replace loose or old hardware on cabinets. Further to this, you may consider replacing worn countertops in the kitchen with new, neutral-coloured ones. As well as, replacing broken, dirty or old blinds and curtains. 

Before you list your home for sale, check to see that all appliances are clean and in working order. If you have wood floors that need refinishing, take the time to get this done. New or good-as-new flooring is a big selling point! You should also think about replacing old or worn linoleum. Along with this point, consider having the carpets professionally cleaned or consider replacing them with a neutral colour (if you have carpet). 

Before you show your home, make sure all light bulbs are bright and in working order. Good lighting makes a huge difference in the way that buyers see your home. It would be best if you also fixed leaks in ceilings and walls, as this is often a big red flag for buyers. Decluttering is another key step to take before showing or having your home photographed. This means putting away personal items like bills and papers, taking down family photos, and tucking away any children’s toys. In doing so, you will make it easier for the buyer to imagine themselves in your space, and make the home look bigger. 

Contact Me Today!

If you are looking for some help selling your property in Courtenay, contact me today! I’d be happy to help you sell your home. For more information about selling homes for sale in Courtenay, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon. 

foreign home buyers and comox real estate for sale

Foreign Buyer Ban and Comox Real Estate

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The federal government’s ban on new foreign ownership of residential property became law on January 1, 2023. It prohibits any non-Canadian citizen or permanent resident from buying residential real estate for two years. The federal government plans to work with provinces and municipalities during the two-year ban. Their aim is to develop a framework to better regulate the role of foreign buyers in the housing market. The goal is to ensure housing is available for and used by Canadians.

The government wants to make the market fairer for Canadians. The rationale is that it will prevent foreign buyers from parking their money in Canada by buying up homes. Houses being used as homes, rather than as commodities to be traded is how they described the changes.

Who can’t buy Comox residential property under the Foreign Buyer ban?

The act defines a non-Canadian as:

  1. an individual who is neither a Canadian citizen nor a person registered as an Indian under the Indian Act nor a permanent resident;
  2. a corporation that is incorporated otherwise than under the laws of Canada or a province;
  3. a corporation incorporated under the laws of Canada or a province whose shares are not listed on a stock exchange in Canada for which a designation under section 262 of the Income Tax Act is in effect and is controlled by a person referred to in paragraph (a) or (b); and
  4. a prescribed person or entity.

Exceptions for buying Comox residential property under the Foreign Buyer ban

Include:

  1. A temporary resident within the meaning of the Immigration and Refugee Protection Act; or
  2. A non-Canadian who buys residential property with a Canadian spouse. A common-law partner if the spouse or common-law partner is a Canadian citizen or permanent resident. A person registered as an Indian under the Indian Act.

Residential property

Includes any real property or immovable that is:

  1. a detached house or similar building, containing not more than three dwelling units;
  2. a semi-detached house, rowhouse unit, residential condominium unit or other similar premises, vacant land, where the land has been zoned for residential use or mixed-use and is within a Census Metropolitan Area (having a population of at least 100,000) or Census Agglomeration (having a population of at least 10,000);
    or
  3. any prescribed real property or immovable.

Penalties

Non-Canadians found guilty of contravening the act are subject to a fine of not more than $10,000. If the federal government orders the sale of the property, the non-Canadian buyer won’t receive more than the amount paid for the property.

Property Purchased by a Non-Canadian Before January 1, 2023

The ban doesn’t apply if the agreement of purchase and sale of the residential property involving a non-Canadian is dated before January 1, 2023.

Regulations for Comox residential property under the Foreign Buyer ban

There will be future regulations on transactions deemed prohibited purchases.

Contact me for more information on how the new Foreign Buyer Policies affect homeownership in the Comox Valley. I would love to hear from you today! Follow along for more updates on Google Business!

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Planning to Renovate your Comox Home?

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Are you working on a home improvement project? Homeowners in Comox, Courtenay and the area do things to their homes to enjoy themselves. Others do them in preparation to put the property on the market. If this is you, you may be interested to know which renovations will give you the most bang for your buck. This applies to homes and condominiums, townhouses, apartments, and patio homes.

A kitchen renovation is the most worthwhile home improvement. It has the potential to increase the value of your property by 20%, according to a recent survey by Royal LePage. A kitchen is perceived as the gathering place and the heart of the home. The one thing that will stand out to a potential buyer is what the kitchen looked and felt like. That first impression is really important. They may not remember the size of the bedrooms or the color of the walls. They will remember the kitchen.

Highlights from the survey:

Get in touch with me if you want to learn more about adding value to your Comox home before you sell!

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Moving from a Property in Comox!

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Moving can be one of the most stressful parts of selling your home. Packing, planning, and budgeting make moving a serious hassle. However, there are ways to make moving less daunting. From creating a checklist to hiring a professional there are lots of ways that you can ease the stress of moving to a property in Comox. On this page, you’ll find tips and resources to ensure that your move goes as smoothly as possible. Continue reading below to learn more about how to have a stress-free moving experience!

How to Have a Stress-Free Move From Your Property in Comox?

Moving can be difficult. However, getting yourself and your family organized will take the stress out of the day. It will also allow you to focus on the fun stuff! Like the fact that you’re moving into a great new home! In order to remove some of the stress from moving, it is important to prepare wisely. Some of the steps that you should take prior to moving day are listed below:

  1. Make a moving checklist that keeps you on track – It’s best to have three lists: one for leading up to moving day, one for moving day, and one for when you move into your new home.
  2. Make a moving budget – If you are looking to save money or simply keep costs low, a moving budget is critical.
  3. Make sure everyone gets involved – Whoever is living in your home should have tasks delegated to them so that the moving process is quicker and everyone feels part of the process.
  4. If possible, use a moving service – Moving services are expensive, but if you can afford one we recommend taking this route.
  5. Use your agent to your advantage
  6. Give yourself time – Try to avoid moving into your new home on the same day that the previous owners are moving out. Wait if you can, and do some cleaning or painting prior to moving in.

Contact me today if you are interested in selling your property in Comox. I’d be happy to help you find the right buyer for your home. I look forward to working with you in the near future!

mortgages in comox courtenay

Mortgage Renewals in Comox for 2023

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Given the rise in interest rates, it should be no surprise housing market activity in the Comox Valley has declined. Along with that, asking prices have come down. The Bank of Canada continues to combat inflation with rate hikes that are affecting the cost of borrowing. 

CIBC’s deputy chief economist, Benjamin Tal, describes it as necessary. It is an adjustment because of record high activity levels experienced when interest rates were extremely low.

A recent survey indicates more than 50% of Canadian mortgage borrowers are concerned about higher mortgage payments at renewal time. Another rate increase is expected at the next Bank of Canada announcement this month. Some borrowers with variable-rate mortgages have had to increase their monthly payments to cover the rising interest portion of their payment. 

Compared to the previous December, house sales were down 23% in Courtenay/Comox

The Courtenay/Comox real estate market saw a couple of interesting developments in December 2022. Compared to the previous December, house sales were down 23%. The average sale price was off by just 5%. The apartment and townhouse sale markets were slightly different. Sales were less at 45% to 50%. There was more on the market and it took them longer to sell. Of note is that the average sale price was up!

If your mortgage is coming up for renewal soon, the best move you can make is to speak with a mortgage professional. It is important to review your situation. Find out if remaining with your current lender is still the best option for you. Assess the impact rising mortgage payments will have on your budget. 

Look to a mortgage professional!

Your mortgage professional can advise you on the best mortgage strategy to implement. He or she will look at your specific needs. They may be able to show you solutions to help reduce your new monthly payment at renewal. Is cash flow an issue? Would you like to save the most in interest costs?

To avoid financial stress in 2023 now is a great time to review your financial situation and your mortgage.  In the long run, by making the right moves today you can put a plan in place. 

Despite the challenges caused by higher interest rates, homeownership remains strong!

Contact me for more information!

janice leffler comox valley real estate market update 2022

Comox Valley Real Estate Market Update – 2022

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2022: The Bank of Canada works to curb inflation

Another year that began a bit slowly, as is wont to happen. Once the first couple of months passed, we were back into a busy real estate trend. June and July things began to change again. The government decided to try to curb inflation so the Bank of Canada began raising interest rates and looking at other regulations to cool the hot markets across the country. It is working!

Unprecedented price increases, growing numbers of offers, dwindling supply since 2020, have now (August) been replaced by leveling prices, properties remaining on the market longer, some price reductions, and increased numbers of active listings.

The government is still talking about other measures to come so we will see what that brings.

In the meantime, it looks like some of the changes are having the desired effect.

home inspection comox

Value of a Home Inspection in Comox

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This article will address the key points of getting a home inspection in Comox and why it’s essential. The housing market has changed since earlier this year. It is cooling. Home sales are slowing down and prices are leveling rather than increasing or “crashing”. 

The Comox Valley includes Courtenay, Comox, Cumberland, and the area. These areas saw a decline in the number of single-family homes and condominium/apartment sales. Compared to November 2021 in November 2022 sales were down about one-third. Townhouse sales were down a bit more than that. This is partly due to the number and type of properties on the market. Generally, inventory is up, but still low compared to pre-COVID.  

Sale prices are off approximately 8% in the single-family market where the average price has dipped to just over $788,000. The unchanged townhouse and condominium/apartment market remains to have average sale prices of $605,000 and $387,000 respectively.

While home and condominium/apartment/townhouse prices may not have experienced a significant drop, bidding wars aren’t as prevalent. There are many factors contributing to the decline in some segments. These factors include the time of year, less demand, and an increase in interest rates. All appear to be having a slowing effect in most segments of the market. 

If you are considering selling your home, it’s important to consider this new more balanced market reality.

Prior to listing, a pre-inspection completed by your home inspector can help set your property apart from others. When looking at those in your neighbourhood it will highlight the sound investment buyers can expect when purchasing your property.

Through the advice of a trained professional, the pre-inspection will offer you a list detailing any future work to be done. Inspectors provide a written report with photos that outlines the condition of your home and possible areas of concern. Their time is spent looking at the interior and exterior components of the house including the roof, attic, crawl space, windows, doors, plumbing, and electrical. In some cases, they may suggest you have a plumber, electrician, or roofer (for example) further evaluate. 

This can empower you to make some changes yourself prior to listing. It can also help equip you with information to show potential buyers that only minor repairs/upgrades are required. It also takes the guesswork out of waiting for a home inspection after a potential buyer makes a conditional offer. Not to mention it boosts confidence in your property!

Reach out to me today!

If you are interested in buying or selling a home in the Comox Valley or learning more about real estate in Comox, Courtenay, and the area, feel free to contact me. In addition, don’t hesitate to message me with any other questions you have about real estate in the area. Continue to check back.

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Comox Real Estate Recap – 2022!

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2022 was a bumpy year for real estate. However, everything seemed to balance out by the end! Over the course of the past year, I wrote several blog posts to keep everyone up-to-date with Comox real estate. Now that 2022 is coming to an end, I thought it would be best to write a year-end recap for all of the blog posts written in 2022. This way we can all look back and reflect upon the year. Follow along below to check out my 2022 Comox real estate blog summary! 

Spring & Summer.

Mar – Why Hire a REALTOR® in Comox Valley?

There are many reasons why people choose to hire a REALTOR® in Comox Valley. The expertise and know-how of an agent, are certainly comforting when it comes to purchasing a home. Learn more about why you might consider hiring a real estate agent, in this article!

Apr – Advantages of Living in Comox Townhouses For Sale

There are various factors that make townhomes desirable. If you’re looking to downsize or upsize, a townhome is the perfect middle ground. Check out this post to learn more about the advantages and perks of townhouse living in Comox, BC!

May – Why Live in Courtenay Apartments for Sale?

Purchasing Courtenay apartments for sale can be a great way to save money! However, it is important to get all of the information before you make the move. In this article, I went through some of the perks of moving into a Courtenay apartment. 

June – Amenities of Courtenay Townhomes for Sale.

Purchasing Courtenay townhomes for sale allows you to gain access to one of the world’s greatest outdoor playgrounds. By reading this article, you can learn more about the outdoor amenities of Courtenay townhomes for sale. 

July – Townhomes in Comox Valley For a First-Time Buyer.

Living in townhomes in Comox Valley is a great option for first-time buyers. Townhomes are a great choice for buyers who can’t or don’t want to commit to owning a traditional single-family home. Check out this article to learn more.

Aug – Apartments in Comox For Retirees!

Downsizing can be beneficial for retirees. Moving into a smaller place can help you make time for the things you love. For instance, travelling, getting outside, relaxing, or picking up a new hobby. Learn more about the benefits of owning an apartment in Comox as a retiree!

Comox Real Estate – Fall & Winter Recap.

Sept –  Apartments in Courtenay For Empty Nesters!

Owning an apartment as an empty nester can be a great way to save money and better spend your time. Once your kids head off to college or move out, you have the chance to downsize. This opportunity can provide you with all sorts of freedoms that a single-family home may be hindering.

Oct – Real Estate in Comox to be Affected by New Mortgage Broker Rules.

New laws were proposed surrounding the Mortgage Brokers Act in British Columbia in October. These new laws will likely affect those purchasing real estate in Comox and other cities across the province. According to the government’s statement, the soonest that these laws would be implemented is late 2023. Be sure to check this article out if you haven’t already. 

Nov – Preparing Houses in Comox for Winter.

Preparing houses in Comox for winter is a crucial task. Although Vancouver Island doesn’t receive much snow, there is a lot of rain. Cold winds and lots of water can cause destruction to your home if you aren’t careful. In this article, I went over the ways that you can prepare your home for Winter in Comox.

Contact me today if you have any questions about buying or selling Comox real estate. Thanks to everyone for another awesome year! I look forward to working with you again in 2023. Be sure to check back next month for more blog content. Happy holidays everybody!

Houses in Comox

Preparing Houses in Comox for Winter

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Preparing houses in Comox for winter is a crucial task. Although Vancouver Island doesn’t receive much snow, there is a lot of rain. Cold winds and lots of water can cause destruction to your home if you aren’t careful. By taking the time to prepare your home, you can avoid any damage or unforeseen costs. In this article, I will be going over the ways that you can prepare your home for Winter in Comox. Follow along below to learn more about this topic.

How to Prepare Houses in Comox for Winter?

When you begin preparing your home for winter, make sure you check that your windows and doors are secure. This means ensuring that the caulking is intact/none of the weather strips are broken. If you notice any damage to the seal around your windows or doors, grab some caulk from your local hardware store. It is important to take care of this task so that cold air and moisture don’t seep into your home. 

Moreover, in a place as wet as Comox, you’ll want to make sure that the land around your home is sloping away from the foundation. During this time, you can also check for any cracks, chips, or crumbling in your foundation. If you suspect a problem, make sure you call an expert right away! 

Next, take a good look at your roof. Comox is known to get a substantial amount of rain and having a good roof is key. Make sure that there are no damaged or missing shingles on your roof. You should also be mindful of any holes that could cause leaks during rainy months. 

If you are interested in learning more about how to prepare houses in Comox for the winter months, contact me today. For more information about buying or selling a home in Comox Valley, feel free to reach out. Don’t hesitate to message me with any other questions that you have about real estate in the area. Continue to check back each month, for more info about buying and selling properties in Comox, B.C. I look forward to being in touch with you soon!

real estate in comox janice leffler

Planning a winter vacation? Some tips before you go.

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Many people plan to spend winter months in sunnier southern locations. To make sure your home is safe during that time away, there are some things you should plan to do before heading out on that short or longer vacation. 

To minimize the risk of damage or break-ins, there are some simple things you can do.

Here are a few tips to consider:

  • Be sure all doors, windows, and garage doors are properly closed and locked. Don’t forget about the basement.
  • Rather than leaving spare keys hidden on the property, consider asking a friend, neighbour, or family member to check on the property while you are away. Leave them a key so they can collect mail, water plants, and watch for potential problems. This will also show some activity and give the idea someone is home.
  • Set timers on lights inside and out similar to your home routine. This will ensure an appearance of life rather than leaving a dark, empty home or having lights on all day and night.
  • Shut off the water if you are going to be away for an extended period of time and unplug all electronics.
  • If you don’t have them already, consider installing an alarm system and security cameras. Cameras at exterior doors will often connect to an app on your smartphone so you will know when someone is at your door when you are not.
  • Do not leave any valuables in sight. A good idea is to secure jewelry, cash, keys, or any other important items in a home safe or safety deposit box.
  • Smoke and carbon monoxide detectors should be checked prior to your departure to make sure the batteries work and function as intended.
  • In winter, so it looks like someone is home, have a friend or neighbour drive on or clear off your driveway. When it snows, a sure sign you are away is no tire tracks or footprints in the snow.
  • And a last important tip: wait until you get home to share your photos and experiences on social media. Nothing spells vacated home more than shouting it to the world before and during your trip.

If you are interested in learning more about real estate in Comox, Courtenay, and the area or about buying or selling a home in Comox Valley, feel free to reach out. Additionally, don’t hesitate to message me with any other questions you have about real estate in the area. Continue to check back.

Real Estate in Comox

Real Estate in Comox to be Affected by New Mortgage Broker Rules.

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The Mortgage Brokers Act in British Columbia has recently changed. These new laws are likely to affect those purchasing real estate in Comox and other cities across the province. Finance Minister Selina Robinson presented changes to the bill on Tuesday, October 4th, 2022 by. The claim of the bill is to provide consumers with more transparency and protection when dealing with the mortgage broking industry. In this article, I will be going over the proposed bill and how this will affect those looking to purchase real estate. Follow along below to learn more. 

How Will Real Estate in Comox be Impacted by the New Mortgage Broker Rules?

New mortgage broker rules have been proposed with the assertion that they will provide more safety to homebuyers. Moreover, according to a recent article by CBC, “the new act will give the B.C. Financial Services Authority the ability to make rules for the industry, as non-traditional lenders emerge and more people turn to brokers and online technology to arrange residential mortgages”. This is said to help minimize/address issues surrounding B.C.’s money laundering investigation. 

Fines for mortgage brokers who violate the rules (pending approval) have increased to a maximum penalty of $500,000. Further to this, those with more than one offence could garner fines of up to $2.5 million. According to the government’s statement, the soonest that these laws would be implemented is late 2023. 

If you are interested in learning more about how your purchase of real estate in Comox will be impacted by new mortgage broker rules, contact me today. For more information about buying or selling a home in Comox Valley, feel free to reach out. Additionally, don’t hesitate to message me with any other questions that you have about real estate in the area. Continue to check back each

apartments in courtenay

Apartments in Courtenay For Empty Nesters

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Owning an apartment as an empty nester can be a great way to save money and better spend your time. Once your kids head off to college or move out, you have the chance to downsize. This opportunity can provide you with all sorts of freedoms that a single-family home may be hindering. Moreover, the additional costs of owning and maintaining a single-family home can be entirely eliminated by moving to an apartment. In this article, we will be going over the benefits of moving into apartments in Courtenay as an empty nester.

Follow along below to learn more.

Owning Apartments in Courtenay as an Empty Nester.

In general, living in a smaller space will save you more money. For instance, your apartment will require less use of electricity, gas, and water. Therefore, helping you cut down your monthly utility bills. Furthermore, you won’t need to spend as much money on repairs or maintenance because most of these things are covered within your strata fee. And, since you’ll be downsizing you won’t need to worry about buying new furniture. Instead, you can sell the extra furnishings you own and make a bit of extra cash. 

In addition to lower costs and fewer belongings, you’ll have a lot more free time. Instead of being chained to landscaping your home, or cleaning every room, you can get outside and enjoy the world around you. Spend your weekends with apartments in Courtenay strolling around the harbour, or visiting a local winery or brewery. 

Enjoy the flexibility and newfound freedom of owning apartments in Courtenay as an empty nester. Forget the drone of doing Sunday chores and weeding your backyard with a smaller living space. For more information on owning apartments in Courtenay as an empty nester, contact me today. I’d be happy to help you find the perfect place to call home in Courtenay. Feel free to reach out with any questions or concerns that you may have about a property in the area.

I look forward to working with you in the near future!

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Apartments in Comox For Retirees!

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Downsizing can be beneficial for retirees. Especially for those looking to move to apartments in Comox. Moving into a smaller place can help you make time for the things you love. For instance, traveling, getting outside, relaxing, or picking up a new hobby. Furthermore, using the money from selling your single-family home can help you achieve all of your retirement goals. Follow along below to learn more about the benefits of owning an apartment in Comox as a retiree!

Owning Apartments in Comox as a Retiree.

Apartments in Comox can provide retirees with relief from housework and tiring maintenance. Most apartments require minimal upkeep and most other major tasks are taken care of by the strata. Saying goodbye to the maintenance a single-family home provides can be an amazing choice for retirees. 

Ditching the lawnmower can allow you to fulfill your retirement goals. Whether that be golfing in the mornings or visiting somewhere tropical for months at a time. Having the freedom to do what you want, when you want is a wonderful thing. However, it requires some financial planning. If you’ve already paid off your mortgage and the maintenance of your house isn’t too taxing, it might be smarter to stay where you are at. Alternatively, if the cost of an apartment will allow you more expendable income, then it may be worth looking into. 

Determining if owning an apartment in Comox is right for you, will come down to the lifestyle you plan on living during your golden years. That coupled with how it will affect you financially. It is important to consider your future plans and choose a living situation that best suits those goals. 

For more information on owning apartments in Comox as a senior, contact me today. I’d be happy to help you find the perfect place to call home in Comox Valley. Feel free to reach out with any questions or concerns that you may have about a property in the area. I look forward to working with you in the near future!

Townhomes in Comox Valley For a First-Time Buyer

Townhomes in Comox Valley For a First-Time Buyer.

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Living in townhomes in Comox Valley is a great option for first-time buyers. Townhomes are a great choice for buyers who can’t or don’t want to commit to owning a traditional single-family home. Furthermore, a townhome will provide you with a great in-between option that is in the middle of buying a home and condo. For more information on why you should consider purchasing a townhome as a first-time buyer, read more below. 

Buying Townhomes in Comox Valley as a First-Time Buyer.

As a first-time buyer, it can be difficult to gather the cash to afford a traditional single-family house. However, a townhome is a more affordable option that still provides many of the same perks as owning a home. Townhouses are often larger and offer small yards to residents. Typically, townhouses are multiple stories that give homeowners the opportunity to spread out throughout the home. 

In addition, townhomes usually have strata that take care of exterior maintenance like cutting grass, snow removal, and other general upkeep tasks. This is great for busy professionals or students. Although, living in a stratified community does come with an additional monthly cost. On the bright side, townhome communities can offer amenities such as a pool, proximity to stores, and transit!

Contact Me Today!

Living in Comox Valley is an incredible experience that you won’t want to pass up. There are a variety of perks to owning townhomes in Comox Valley as a first-time buyer. For more information on a townhome in Comox, be sure to contact me today! I’d be happy to help you find the perfect townhome for you.

Feel free to reach out with any questions or concerns. I look forward to working with you in the near future.

Amenities of Courtenay Townhomes for Sale.

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Courtenay townhomes for sale are close to an abundance of amenities. From beaches and parks to ski hills and camping. Courtenay is home to every outdoor activity imaginable. Purchasing a townhome in Courtenay allows you to gain access to one of the world’s greatest outdoor playgrounds. Learn more about the outdoor amenities of townhomes in Courtenay below. 

Enjoy the Outdoors With Courtenay Townhomes for Sale.

Courtenay townhomes for sale have easy access to some incredible outdoor activities. For instance, the Mount Washington Ski Resort. Enjoy over 1700 acres of skiable slopes during the winter. And, in the summer months, you can swap your skis for a mountain bike for a whole new experience. 

Courtenay is also near various provincial parks. For instance, Strathcona Provincial Park and Miracle Beach Provincial Park. These parks are perfect for a weekend getaway camping or an afternoon of hiking. Residents can also swim and paddle around the coastline, taking in the incredible views of Vancouver Islands scenery. Many people visit from around the country to come and experience the gorgeous parks and beaches in the Comox Valley. Owning Courtney townhomes for sale allows you to visit these parks year-round. 

Purchase Courtenay Townhomes for Sale Today!

Living in Courtenay is a great way to get outdoors and experience all that Vancouver Island has to offer. There are a variety of amenities available when you purchase Courtenay townhomes for sale. For more information on a townhome in this area in Comox, be sure to contact me today! I’d be happy to help you find the perfect townhome for you and your family. Be sure to visit my social media page here for the latest updates and more. Feel free to reach out with any questions or concerns. I look forward to working with you in the near future.

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Why Live in Courtenay Apartments for Sale?

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Purchasing Courtenay apartments for sale can be a great way to save money! However, it is important to get all of the information before you make the move. In this article, I will be going through some of the perks of moving into a Courtenay apartment. This way, you are better able to make the decision of whether an apartment is right for you! Follow along belong to learn more about Courtenay Apartments for sale.

The Pros and Cons of Living in Courtenay Apartments.

courtenay apartments for sale

The pros and cons of living in an apartment are extensive. Apartments are a great way to downsize and save money. Moreover, most apartments are stratified, which means you pay a monthly fee to have basic maintenance tasks fulfilled. This means no more exterior repairs, gardening, mowing the lawn, or painting!

Furthermore, most modern apartments in Comox provide amenities like game rooms, swimming pools, and gyms. Additionally, there is better security and lower cost for an apartment. Lastly, living in an apartment is a great short-term option for those who move around lots. 

Despite the various pros, you may discover that the rules of the strata aren’t suited to your lifestyle. For instance, most apartment buildings have a zero-tolerance policy on smoking, noise levels, and pets. Additionally, you do not have much control over when building maintenance is done. Further to that, residents are still required to maintain the appliances and everything inside of their unit. These repairs can include, broken light fixtures, kitchen appliances, bathroom fixtures, etc.

There can also be less privacy in an apartment, simply because of the number of people living in the building. Conversations can be overheard and noise can travel from unit to unit. Although, concrete and steel buildings tend to have limited noise infiltration. 

There are a variety of pros and cons to buying Courtenay apartments for sale. Living in Comox is a blast! Don’t hesitate to reach out with any questions or concerns about a property. For more information on an apartment in this area in Comox, be sure to contact me today! I’d be happy to help you find the perfect apartment for you and your family. Be sure to visit my social media here.