buy a home in Comox Valley

What to do before you buy a home in Comox Valley

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When you decide you’re ready to buy, there are a few simple things you can do to make the home-buying process as seamless as possible. These will also help you get the best possible deal on your new home. Your REALTOR® will help build a plan for your specific needs and timing, but you can start with the basics. Some things to consider are:

  • Making a list of your wants and needs in a home. This will help to narrow your possible choices and give you an idea of what to look for. Do you want a single-family home or a townhouse/condo? How many bedrooms or bathrooms? What other features are important to you?
  • Identify which neighbourhoods you prefer. If you’re thinking about moving to a new area, do a bit of homework online, ask other people you know, or ask your REALTOR® for advice.
  • Find out your credit score and see what you can do to improve it if necessary.
  • Use an affordability calculator or speak to a mortgage professional to figure out how much you can afford to spend on a home. Create a budget to make sure you stay on track financially.
  • Get pre-approval or pre-qualification for a mortgage so you’ll know in advance exactly what price range you should be looking at. Keep in mind that getting pre-approved is a more in-depth and formal process. Pre-qualification gives you an idea what will work for you without going through the more exhaustive pre-approval application.
  • It’s a good idea to find out if you’re eligible for any rebates, home buying plans or other federal home buying programs and incentives. There are several available in certain circumstances. If you aren’t sure what these programs are or whether you qualify, check with your REALTOR®.

I always recommend as a first step to my clients to get their pre-approval. In this way, you are not going to spend time and energy looking at properties that are above your purchasing capability. This can lead to disappointment so it’s better to begin with a realistic approach. Additionally, it will make you more comfortable in making an offer with the knowledge that financing is not going to be an obstacle.

Also, as mentioned earlier, decide what your top neighbourhoods are. Make a list of things you are not prepared to compromise on and those that would be nice to have. When you are prepared and organized, you won’t get caught up in an emotionally charged decision.

Maximize your down payment

If you still have time between now and when you’re planning to buy, try to save as much as you can. The down payment is an important part of the equation when purchasing. It will help maximize your chances of getting approved and getting the best possible rate on your mortgage. If you don’t have enough saved up to afford the home you want, creating a budget can help you save more.

You can also grow your down payment in the meantime. Put what you’ve already saved into a safe, liquid investment like a GIC or high-interest savings account, or temporarily invest your savings in an RRSP, TFSA or the new First Home Savings Account. Investments with a short time frame, such as 12 months or less, should be in savings accounts or cashable GICs. There are a number of providers that offer high interest bonuses to new accounts, so it’s worth doing a bit of shopping.

Buyers who haven’t owned a home in the last four years should also take advantage of the FHSA, which lets you contribute up to $8,000 per calendar year. You get a tax deduction for each contribution, and there is no tax payable when you use the funds to buy your first home.

Additional considerations for first-time home buyers

If you’re a first-time home buyer, there are some additional things you may need to be prepared for. For instance, some first-time buyers aren’t aware of how long the home buying process can take. The time involved in the home buying process can differ from buyer to buyer. Some people are able to find a home in a couple of weeks and others can take much longer. It will depend on your particular must-have list, what is available in the market place, how active it is, and how many others are out there looking.

Something else to keep in mind is that sellers will want a certain time to close. It can vary and may depend on where they are going. Final transfer of ownership could take place in a short or longer period of time after the agreement is signed.

Depending on your budget, you may need to start with a smaller or more modest home for your first property. This can allow you to build both your equity and your experience, while still getting your foot on the first step in the property ladder. Don’t put yourself in a situation where you buy more home than you can realistically afford or maintain. While you may be tempted to stretch your budget to get a home that seems perfect, try to resist. Being “house rich, but cash poor,” can be a very stressful and risky way to live.

For people who are currently renting, a mortgage payment may be close to what they pay in rent. But there are all kinds of other expenses associated with homeownership. Property taxes, insurance, and upkeep are some. If you don’t have exact numbers, use 2% or 3% of the purchase price to estimate your added monthly ancillary costs. You could try living for six months as though you already own the home. See if you can manage it before you make the leap.

Get in touch with me to learn more about how to buy a home in the Comox Valley!

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How Depreciation Reports Impact Property Value in Comox: An Important Factor for Strata Owners

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When assessing property value, location and amenities are key. For strata properties, another crucial factor is the depreciation report or reserve fund study.

With BC’s updated regulations, all stratas must now update their depreciation reports every five years. Beyond compliance, these reports impact property values, buyer confidence, and financial stability in the following ways:

Lenders Prefer Properties with Financial Transparency

  • Buyers aren’t the only ones reviewing depreciation reports; lenders do, too. Before approving a mortgage, banks assess the strata’s contingency reserve fund (CRF) and long-term financial planning.
  • Stratas with well-funded reserves and updated reports are considered lower lending risks. Stratas with missing or outdated reports create higher buyer hesitation and financing challenges.
  • Impact on property value: Properties in financially stable stratas sell faster, while those in underfunded buildings may struggle.
  • Buyers Feel More Confident Investing in Well-Managed Stratas
  • Today’s buyers and their agents scrutinize strata documents before making an offer. If a depreciation report reveals financial gaps, it can deter buyers or lead to price negotiations.
  • For example, if a buyer learns that a $500,000 roof replacement is due soon but the CRF is underfunded, the risk of a special levy makes the purchase less appealing.
  • Impact on property value: Stratas with clear maintenance plans and stable finances attract stronger buyer interest.

Strata Owners Avoid Unexpected Special Levies

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  • A depreciation report maps out long-term maintenance costs, preventing sudden financial shocks. Without it, owners risk large or unexpected levies for emergency repairs.
  • Poor planning leads to higher financial stress for owners and reduced resale value.
  • Impact on property value: Strata properties with proactive financial planning are more marketable and financially stable.
  • BC’s New Strata Laws: Compliance = Market Trust

As of July 1, 2024, all BC stratas must update depreciation reports every five years.

Deadlines:

  • Metro Vancouver, Fraser Valley, Capital Region: Due by July 1, 2026
  • Rest of BC: Due by July 1, 2027

Impact on property value: Stratas that stay compliant maintain buyer confidence and prevent financial risks.

Final Thoughts About Depreciation Reports and Property Value in Comox

A depreciation report isn’t just a legal requirement. It’s a financial roadmap that protects property value. Strata corporations can use it as a maintenance guideline and be proactive about repairs and replacement of assets. Get in touch with me to learn more!

  1. Strata councils and property managers: Is your depreciation report up to date?
  2. Buyers and real estate professionals: Have you seen depreciation reports influence property values?
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Is it Time to Buy in the Comox Valley?

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For many people, 2025 could include the possibility of buying their own home. Both interest rates and inflation continue to drop so it may be a good time to become a homeowner. Stop paying the landlord and invest in your own future. If becoming a homeowner is on your radar in 2025, there are a few things you should know before you start looking for your dream home.

Will 2025 be a good time to buy a home in the Comox Valley?

It’s easier to afford a larger mortgage with interest rates coming down. This typically draws more people into the real estate market. However, one of the side effects of falling rates over the last few years has been an unprecedented boom in housing prices. Along with declining inflation, the predictions are to expect economic stabilization in 2025. Will this increase consumer confidence and the housing market? Usually, it does.

Are you ready?

If you think it is time, there are a few things to consider. While individual circumstances vary, a few rules of thumb can help you make that decision. Ask yourself:

Are you ready to commit to living in one home for the next few years? If there’s a good chance you may need to move in six months, it’s probably not an ideal time to buy.

Are your career and short-term plans fairly stable? Are you thinking about making any big changes that could have an impact on your housing needs, personal situation, or income?

If you’re currently renting, are you ready to take care of all repairs, maintenance, and other tasks that come with owning a home?

Perhaps most importantly, are you financially ready to own a home? Buying a home could be the biggest financial decision you ever make. Remember to factor in all the expenses that come with homeownership, not just the mortgage payments. This includes things like monthly condo fees, insurance, utilities, repairs, maintenance, and property taxes. Some of these are expenses you will have wherever you live, but some will be new.

When a buyer is thinking about buying a new home, their decision should be based solely upon their needs. An expanding family, marriage, moving to a new city, getting into a new school district – these are all life moments that may require a new home.

The right time to buy is less about what’s happening in the market and more about your personal choices and circumstances.

real-estate-in-Comox-Valley.

If you have the down payment, income, and are ready to make the move to being a homeowner, then it’s the right time to buy. It is difficult (or impossible) to time any market. As long as you’re in the position to purchase, the right time is when you are ready.

Real estate in the Comox Valley is not a short-term investment where you can try and time the market for one or two years. You do need to live somewhere, and if you stay invested in real estate long-term, you can generally do well.

When to contact a Comox Valley REALTOR ®; How they can help

If you’ve decided to become a homeowner this year, start your search for a local REALTOR®. Find someone who will work best for you and your needs as early in the process as possible.

It’s never too early to start working with a Comox Valley REALTOR ®. They are the first draft in your real estate team. They can help connect you with a mortgage broker, lawyer, and anyone else you need.

A REALTOR® like me can answer any questions you may have and keep you informed about the latest ups and downs in the market. I can connect you with my network of professionals. I can walk you through each step in the home-buying process and help you negotiate the best possible price for your new home. Get in touch with me today!

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Some Insight into Home Insurance for Your Comox Valley Home

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Home insurance is exactly what it sounds like—a type of insurance that protects your property and its contents against damage, liability, and loss. While home insurance isn’t legally required, it is mandatory if you are financing your purchase. Lenders will require proof of insurance before approving your mortgage. Even if you’re buying outright, protecting such a significant investment is well worth considering.

Securing the right home insurance coverage at a reasonable cost can feel overwhelming, but understanding the basics can make the process easier. Here’s what every homeowner should know about home insurance.

Why and When Do You Need Home Insurance for Your Comox Valley Home?

Unlike auto insurance, home insurance isn’t government-mandated. However, lenders require it to protect their investment, and having coverage gives you peace of mind in case of unexpected events like burglary, on-site injuries, or storm damage.

Flooding is a common and costly issue, especially in finished basements where flooring and furniture may need replacement. Home insurance ensures you’re covered in such scenarios.

Your policy should take effect the day you take possession of your property. This protects you from liability if movers, contractors, or repair professionals are on-site. When searching for insurance, shop around and compare quotes, as insurers calculate premiums differently based on risk factors.

Your premium—the amount you pay annually or monthly for coverage—is determined by various factors, including your home’s size, location, construction materials, replacement costs, and any upgrades. Different insurance providers assess these factors differently, meaning two companies may offer significantly different rates for the same property.

Types of Home Insurance

The cost of your insurance depends on several factors, including the type of coverage you need. The three main categories of home insurance are:

  • Home Insurance: Covers houses and their contents.
  • Condo Insurance: Covers personal property, liability, and any improvements made to the unit.
  • Tenant Insurance: Covers renters’ personal belongings and liability but not the structure itself.

Levels of Coverage

Once you determine the type of insurance you need, the next step is selecting a coverage level. The Insurance Bureau of Canada (IBC) outlines four common home insurance policies:

  1. Comprehensive Coverage: Covers the building and its contents against all perils except those explicitly excluded. This is the most inclusive policy.
  2. Basic Coverage: Covers only the risks specifically named in the policy. This is usually the least expensive option.
  3. Broad Coverage: A middle-ground option that provides comprehensive coverage for the home itself but named-perils coverage for personal belongings.
  4. No-Frills Coverage: Available for homes that don’t meet standard insurance requirements, such as those with significant structural issues.

Additional Considerations for your Comox Valley Home

Your home’s location affects coverage needs. If you live in a flood-prone or earthquake-prone area, you may need additional endorsements (optional coverage add-ons) for protection. Basic policies often exclude sewer backups or overland flooding, so adding these coverages can be crucial.

If you own high-value items like jewelry or art, check your policy limits. Many providers cap coverage on valuables at around $6,000. If your belongings exceed that amount, consider adding an endorsement for full protection.

How to Make a Claim

If an incident occurs, report it to your insurer as soon as possible. Document everything with photos, receipts, and notes. Keeping a detailed log of lost or damaged items can streamline the claims process.

You’ll need to pay a deductible—the amount you cover before the insurer steps in. Additionally, some providers require you to use approved contractors for repairs.

Keeping Your Insurance Up to Date

Updating your insurance provider about home renovations, home businesses, or significant purchases ensures you remain fully covered. Changes in property value, liability risks, or replacement costs can impact your policy. Failure to update your provider could lead to denied claims or insufficient coverage.

Ultimately, home insurance is about protecting your investment and providing financial security in case of unforeseen events. Working with an insurance broker and comparing multiple options can help you find the best coverage at the right price. Get in touch with me to learn more about insurance for your Comox Valley home!

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The Importance of Financial Health When Buying a Comox Home

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Financial Health is Important to Realizing Your Real Estate Dreams in Comox

Making sure your finances are in order and improving your financial position is essential for long-term stability and peace of mind. It doesn’t just happen, but is something you have to work on to achieve. This is especially true when you decide it’s time to purchase a home.

Step One in the Importance of Financial Health When Buying a Comox Home

The first step is to create a budget and stick to it. Begin by tracking your income and all expenses for at least a month to understand where your money is going.

  • Categorize your spending into essentials (housing, utilities, groceries) and non-essentials (entertainment, subscriptions). Use this information to set realistic spending limits and prioritize needs over wants.
  • Apps and tools can also make budgeting easier and more effective.

Step Two

Next, you should build an emergency fund. Life is unpredictable; having a financial cushion can prevent setbacks from turning into crises.

  • Aim to save 3–6 months’ worth of living expenses. Don’t be discouraged if that feels daunting.
  • Start small, even $10–$20 from each paycheck. That may feel more attainable. If you try to do too much, you probably won’t do anything. Automate your savings to ensure consistency. Over time, these small contributions will grow into a safety net.

Step Three in the Importance of Financial Health When Buying a Comox Home

Your next plan should be to pay down your debt. Debt can be a significant barrier to financial health, so it’s crucial to pay it down in a thoughtful way. High-interest debt, like credit cards and payday loans, should be your top priority. Those types of debts compound quickly and can drain your resources.

  • Use strategies such as the snowball method, where you pay off the smallest debts first for psychological wins. The avalanche method, focusing on the highest-interest debts to save money overall, is another way to do this. Whichever method you choose, be sure to make at least the minimum payments on all debts to avoid penalties.

Step Four

Now it’s time to embrace another vital component of your financial health—invest in your future.

  • Begin contributing to retirement accounts, such as an RRSP if your employer offers one, especially if there’s a company match. It’s essentially free money.
  • If an RRSP is not an option, consider a high-interest savings account.
  • Beyond retirement, explore low-risk investments, which can grow your wealth steadily over time. Even small, consistent contributions can lead to significant returns thanks to compound interest.

Final Steps in the Importance of Financial Health When Buying a Comox Home

Finally, it is essential to regularly review and adjust your financial plan. Financial needs and goals evolve. Take time annually or after major life events, like a new job, marriage, or a baby, to reassess.

  • Review your budget, savings, investments, and debt repayment progress. Adjust your plan as needed to stay on track and adapt to changes.
  • Regular check-ins help you stay proactive and maintain momentum toward your goals.

Financial health is a journey, not a destination. Consistency, patience, and smart planning will lead you to long-term stability and financial freedom. Remember, even small steps make a big difference over time!

Once you have a handle on your finances and are confident you are ready to make that big move, call Janice to continue the journey.

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How to prepare your Comox home for sale!

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Get Your Comox Home Ready to Sell

The higher interest rates we’ve been experiencing in recent years have pushed many home buyers to the sidelines. Following a few drops in the Bank of Canada’s benchmark interest rate since last year, some experts are predicting that a resurgence in demand can’t be far away. As a result, this could shape up to be a fantastic time to enter the real estate market, whether you’re a buyer or a seller.

If you’re thinking of listing your property, there are a few simple things you can do to get your home ready. This should help it sell faster, more easily, and at the highest possible price.

The advantages of selling now

With rate cuts in the fall and more expected this year, it could add momentum to the home resale market. Combine lower mortgage interest rates with pent-up demand from waiting in the wings, and the forecast for a rekindling of Canadian housing activity is more than a possibility for 2025. This means that real estate activity this year could start to ramp up any time as people begin to explore the market again.

The question isn’t so much whether buyers will return, but when. Realistically, buyers will come back when they feel conditions are favorable. Sellers should be ready for that outcome. However, there is another factor at play here. It was realized late in December when the Prime Minister announced his resignation. This, of course, has resulted in a leadership race and a change at the helm of the federal government earlier than anticipated.

Nothing puts a damper on a real estate market like a federal or provincial election or a change at that level. It creates uncertainty which often doesn’t lift until after it is over and resolved. Whether warranted or not, it seems to be what has happened in the past.

With all of that in mind, spring, or any time on the west coast, is a good time to sell. When you are ready and have your home ready, we have an active real estate market. It seems there are always people wanting to move to Vancouver Island and the Comox Valley. There is a livability factor that really resonates with buyers.

Spring and fall are generally consistently busy times. Yes, that can mean more competition, but with more eyeballs, your home will benefit from broader exposure. Many Canadians tune out to enjoy warmer weather and go on holidays in the summer. That could change this year because of the state of change in the federal government.

You may want to brace for a summer real estate market in 2025.

How consumers are feeling

The declining interest rate is making approximately 16% of Canadians feel more comfortable about entering the real estate market, according to some reports. Interest rate cuts are also boosting the confidence of potential first-time home buyers, with younger Millennials and Gen Zs already actively saving. They are feeling hopeful they’ll be able to enter the market soon.

In general, however, home buying has taken a backseat for around 25% of Canadians. As expected, day-to-day expenses are taking top billing. Travel, interestingly, is considered the second most important expense for those Canadians.

Affordability across the country still remains a concern for many when it comes to entering the market. It is possible as many as 14% of current homeowners may need to sell their home due to still high interest rates. Another 25% of Canadians are reconsidering their family plans due to the cost of homeownership.

Make a great first impression

Once you’ve decided to sell, work with your REALTOR® to put together a plan. Make sure you put your home’s best foot forward. For example, if there are any reno projects you’ve been putting off, now is the perfect time to get them done. Replace old door knobs, fix that broken step on your deck, or give the interior of your house a fresh coat of paint.

To brighten up the shorter days and darker nights, clean your windows and screens. Add some decorative accent lamps to any dark corners in your home. Open all the blinds, curtains, and window coverings during showings to let in as much light as possible.

You might also want to consider adding some seasonal touches to your indoor décor. To prepare your home for showings, turn your fireplace on if you have one, or add a sweet seasonal scent to your home by baking some cookies or a pie. Consult with your REALTOR®. Overkill can distract buyers or completely turn them off your home.

Stay on top of cleaning and upkeep

If you have a showing or open house coming up, double-check to make sure no one has been tracking in any mud or dirt. To really maximize your curb appeal, don’t forget to consider what’s outside your home as well.

While it may not quite be time yet to plant, yards and gardens can look scruffy at this time of year. Consider adding some decorative outdoor plants that will beautify the entrance and patio or gazebo and manage alright in cooler temperatures.

This is also a good time to ensure your heating system is working properly. There is nothing that will turn off a potential buyer more than a cold house.

Do your research

It is essential to stay on top of what’s happening in the market. This means having your REALTOR® do research on things like comparable listings in your area and trying to track where the local housing market is headed. Changing demand, buyer expectations, and your competition could all have an impact on your timing and strategy. Strategy can change, so it’s always best for you, the seller, to listen to what the market and your REALTOR® are saying.

Ask your REALTOR®

Lastly, when in doubt, ask your REALTOR® for advice. She can track the latest market statistics and keep you informed about any future interest rate changes. Your REALTOR® , Janice Leffler can also walk you through each step in pricing, listing, and getting your home ready to sell. She, like you, wants to help you sell your property quicker, with less stress, and at the best price possible. Get in touch now!

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Things You Can and Can’t Negotiate When Buying a Home in Comox Valley

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Things You Can and Can’t Negotiate When Buying a Home

You probably already know you can negotiate the price of a home when making an offer to purchase. However, there are also a number of things you should not ask a seller for or that may jeopardize the seller accepting your offer. I am going to mention things you might want to negotiate for, and a few you should not bring up.

Appliances or other non-permanent items in the house


Sometimes, sellers will itemize furnishings and personal property they plan to take with them. They will exclude them from the sale. There are also times, if you fall in love with something in the house, you can try to negotiate it into the agreement. Typical things people put into a contract would be appliances, window coverings, a hot tub, pool equipment or wood for the fireplace. Buyers can also ask for things like the pool table, and freezer. There are times when the sellers list other things that may be available.

You might want to skip asking the seller to throw in the antique dining room chandelier or other one-of-a-kind items though. Chances are good the owners will be taking valuables and sentimental items with them when they move.

Closing dates and leasebacks


It’s very common for buyers to negotiate an occupancy date that works for them, regardless of what the home listing says. Some buyers or sellers want a long possession time, others a short possession time. Maybe it would be easier for the sellers if they could rent the property from the buyers temporarily. That may or may not work well for the buyers. However, if you know the sellers need a quick sale because they’re leaving the country, don’t ask for a move-in date six months from now. That might just talk yourself out of the deal.

Cleaning up and clearing out


You may have noticed there is a pile of scrap metal in the backyard. Maybe the basement is crammed with junk. You might want to include in your offer that you expect the property to be cleared out before you take possession.

You can also ask the sellers to have the house professionally cleaned when they leave. If it appears to be clean, it is probably inappropriate to ask this. If there is a lot of junk and mess, it may be a good idea to include something about cleanliness on possession date in your offer.

Minor repairs


Asking for certain cosmetic fixes is often acceptable. Things such as touching up ceiling paint after water damage was repaired or getting the sellers to replace a non-functional doorbell may be acceptable and within reason. So is anything that concerns the safety of the property or some types of issues a home inspector might find.

If there is something you don’t or can’t see that the inspection reveals, it may be worth asking the sellers to have it repaired. This could be a crack in the foundation, something wrong with the gas in the mechanical room, a leaking appliance, a cracked heat exchanger, or a missing hand railing on the set of stairs. These are safety issues.

Such things may or may not be agreeable to a seller and then you have to decide how important it is to you that they be handled by the current owner. Sometimes it is better to do things yourselves so they are done to your satisfaction and not just done to get done.

You can also try to negotiate a discount on the price if you discover the roof is in poor shape. What won’t happen is a complete kitchen or bathroom renovation.

Tap into the experience of your REALTOR®


No matter what you want to negotiate for, run it by your REALTOR® first. Your REALTOR® can help negotiate the price and contract terms on your behalf. She is your No. 1 resource and support during the home buying process.

Your realtor can identify issues, or sticking points, or the temperament of a seller. She can also determine what the seller may be expecting. Your realtor can prepare and negotiate an offer for you with the seller in mind to effect an enforceable contract.

Everyone’s home-buying experience will be different. Your negotiations will be dependent on your personal situation. But, with an expert REALTOR® in your corner, you can trust you’ll be in good hands no matter what.

Get in touch with me if you want to learn more about the negotiation process when buying and selling real estate in Comox!

financial factors for first time buyers in comox valley

Financial factors first-time buyers should consider on their path to homeownership

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Buying your first home is a major milestone . It can be an exciting time, but also can be an anxious one. From mortgages and down payments, to government programs and house hunting, there’s a lot to take in. With the right tools and expertise, it is easy to understand the buying journey. The first step is to make sure you’re financially ready to purchase your first home.

When buying a home, everything comes down to your wallet. Your monthly income, debts, and credit score will determine the size of the mortgage you qualify for. This will determine what kind of home you can buy and in which location.

Here are some financial factors to consider on your path to home ownership:

Assess your fixed and variable expenses

To get a clear picture of the type of home you can afford, you need to understand your finances. Finances include net income, expenses, debts, and your credit score. First, determine your monthly income and expenses, both fixed and variable.

  • Monthly net income: include your after-tax, take-home income. This should include other income sources like commissions, bonuses and dividend profits.
  • Fixed expenses: regular, monthly expenses like rent, car loans, insurance fees, utilities, etc.
  • Variable expenses: these can change from month to month. They are things like groceries, gas, pet care, and discretionary spending such as dining out, concert tickets, personal care, and other lifestyle expenditures.

Calculate your debt-to-income ratio

When assessing your finances for a mortgage, a lender will consider your debt-to-income (DTI) ratio to determine your borrowing risk. The lower the percentage of your DTI, the better.

To calculate this ratio, divide your total monthly debt payments by your gross monthly income. This includes debt such as car payments, student loans, rent and utilities. If your DTI ratio is above 50%, you may need to take steps to lower your debts and expenses to improve your ratio.

Conduct a credit score check

A solid credit score is vital for first-time homebuyers. Usually, a score above 660 is good. It will improve your odds of accessing your preferred mortgage products. A score above 760 is ideal, giving you the best offers and credits available.

By checking your credit score before pursuing a mortgage loan, you can assess what areas may be helping or hurting your score. A missed payment or outstanding balance could make a difference.

Understand a pre-qualification vs. pre-approval

Before you get your heart set on a home, it’s important to differentiate between a mortgage pre-qualification and a pre-approval. Essentially, pre-qualification is a general estimate of your finances. It will show the ballpark range of a mortgage and interest rate you would qualify for today. This can help you to narrow down your home search to property within your price range. A pre-approval is an official assessment by a lender. It will show you the actual mortgage size and rates available to you.

Determine your down payment and closing costs

Sale price and mortgage payments are the obvious costs. There are other visible and hidden expenses that you need to consider when it comes to buying a home. Down payments and closing costs are the main two.

  • Minimum down payment requirements: Your down payment can range from as little as 5% to more than 20%. It will depend on how much you have available to put down. Any homes purchased over $1 million in Canada require a minimum 20% down payment. Homes purchased with less than 20% down will require mortgage insurance.
  • Closing costs and fees: You should estimate that closing costs will equal approximately 3-4% of the purchase price. Legal fees and land transfer tax are included in this percentage. Additional costs such as those related to moving, inspection, etc. you should prepare for in advance.
selling your comox valley home

Considering Selling Your Comox Valley Home?

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Are you considering selling your Comox Valley home? Have you been maximizing your home’s value?

Maximizing your home’s value before a future sale can be achieved. With thoughtful, strategic updates you can make a lasting impact on potential buyers. Start with curb appeal; a well-maintained exterior creates a positive first impression. It sets the tone for the rest of the home.

Simple tasks like fresh paint, updated landscaping, and a new front door can go a long way in boosting the perceived value of the property. Small upgrades to outdoor lighting and an inviting entryway can also enhance the look and feel of the home. These could act to draw in buyers from the start.

Inside the home, focus on key areas like the kitchen and bathrooms. They tend to yield a high return on investment. Simple improvements can give these rooms a refreshed, appealing look without major renovations. Consider things such as modernizing fixtures, repainting walls in neutral tones, and updating hardware.

Decluttering and staging are also essential. They allow buyers to envision their own lives in the space. This will make the home feel larger, cleaner, and more move-in ready. By focusing on these areas, homeowners can increase their property’s value and appeal to prospective buyers. Ultimately this is likely to attain a smoother, more profitable sale.


If you have any questions, don’t hesitate to contact me!

weather in comox valley and the impact on homes for sale vancouver island

Are You Considering Weather When Buying a Home on Vancouver Island?

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You consider price, location, commute time, and school districts when house hunting. Have you thought about adding climate and weather-related risks to your list?


Heat waves, severe flooding, violent hailstorms, tornadoes, rising sea levels, and raging wildfires—these extreme weather events all present major challenges for Canadians. This includes those in the market to buy a home.


Changing climate conditions means home buyers should be asking lots of questions and thinking about how the weather could impact their property. For example, if your dream house is in a neighbourhood susceptible to floods, how much will you have to dole out for added insurance?


Will excessive amounts of snow make commuting a huge pain, or even damage your roof? Will your area’s rising temperatures impact how much you pay for air conditioning? Here’s what you need to know.

The cost of extreme weather hits the real estate market—and your wallet

Major weather events seem to be a more regular occurrence these days. With an increasing number of climate-related storms, fires, and floods comes a surge in insurance claims, which have more than doubled since 2005.


Kathryn Bakos is managing director of finance and resilience at the Intact Centre on Climate Adaptation, University of Waterloo. She conducts research on the impact of flooding on Canada’s residential real estate sector and mortgage markets.


“We’re seeing extreme weather events growing, and we track the catastrophic loss claims data— any event that triggers $25 million or more of insured losses, which is what your insurance company pays out—from flood, wildfire, hailstorm on a year-to-year basis,” says Bakos.


From 1983 to 2008, insurable losses ranged from $250 to $450 million per year. Today, they’re up to $2 billion annually. And that’s just what insurance companies pay out. So, if the average flooded basement costs $43,000 to repair, there’s a cap on what insurance covers. That cap would usually be $10,000 to $20,000. The rest comes out of the homeowner’s pocket.


Flooding and wildfires are the costliest extreme weather events in Canada. In Calgary and Edmonton, hailstorms cause most damage, while East Coast residents deal with severe lightning storms and hurricanes, according to Bakos.


Recently, Bakos’ team performed the first quantitative analysis of the impact flooding has on the Canadian housing market, and the numbers were alarming. “We determined that six months after a flood event, homes located in flooded communities experienced an 8.2% reduction in the sold price of their home compared to their non-flooded counterparts,” she says.


With the average Canadian home worth roughly $650,000, that would equate to about a $53,000 reduction in value. Roughly 1.5 million Canadian homes, about 10% of the housing market, are considered uninsurable for flood risk.

Do your due diligence when shopping for or protecting your home

The federal government plans to develop the Climate Adaptation Home Rating Program. Canadian home buyers could check to assess the risk associated with their property. Until then, Bakos recommends doing some research into any major floods in the area you are looking at. Ask if the property sits on a floodplain. Does the driveway slope away from the home to help prevent water from seeping in? Does the home sit up on the street? Does it have extended downspouts to direct rainwater away from the house?

If your basement windows are at ground level, are there window well coverings? Is there a sump pump and backwater valves in the basement? These all stop water from coming in. Cleaning out your eavestroughs and sweeping leaves away from sewer grates helps to prevent flooding. In some areas, installing hail-resistant roofing and siding material will help guard against hail damage.

Other preventive tips for homeowners who are buying a Home on Vancouver Island

Wildfire zones

  • Look for homes with ample separation between them.
  • Look for homes with Class A roofing/metal roofs and non-combustible siding.
  • Standard homeowner insurance policies in Canada cover damage caused by fires, and also provide coverage to help with the cost of mass evacuations
  • Keep combustible materials at least 10 metres away from your home.
  • Prune trees to create a 2 m clearance from the ground to the lowest tree branches.

Severe winter storms

  • Arrange for snow or ice removal from roofs and balconies to reduce the weight and the risk.
  • Keep your home stocked with the essentials in the event of a power outage or road closures due to snow or ice.
  • Ensure your walls are properly insulated, your weather stripping is in good shape, and consider storm windows.
  • Install snow fences in rural areas to reduce drifting snow on roads and paths.

Tornadoes and hurricanes

  • Consider using class 4 impact-resistant roofing when completing upgrades or repairs.
  • Most home insurance policies cover windstorm or tornado damage such as losses caused by flying debris and falling branches or trees, and losses to your home and contents if water enters through openings caused by wind or hail.
  • Home insurance policies generally do not cover damage caused by coastal flooding and storm surges.
  • Be aware of large or aging trees on a property that could be at risk of falling or breakage due to strong winds.

Knowing your climate risk helps prepare you for future costs. As your REALTOR®, I can provide insights on the neighbourhood and what it usually experiences, so please, tap into my expert local insight.

comox valley homes for sale with janice leffler

Work with Janice Leffler, Your Trusted Local REALTOR® and Discover Why Comox Valley is the Perfect Place to Call Home!

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Comox Valley, British Columbia

Located on the eastern coast of Vancouver Island, Comox Valley is a picturesque community known for its stunning natural beauty. With mountain views, rivers, and ocean access, it offers a year-round outdoor lifestyle perfect for families, retirees, and adventure seekers. From local markets and top-rated schools to a thriving arts scene, Comox Valley has small-town charm. Coupled with urban conveniences, makes it one of the most desirable places to call home in British Columbia.

If you’re planning to buy or sell in this area, Janice Leffler is the REALTOR® to trust. With decades of experience and deep local knowledge, Janice has helped countless clients achieve their real estate goals in Comox.

Why Comox Valley is a Great Place to Live

Comox Valley offers a unique blend of natural beauty, vibrant community life, and endless recreational activities. Whether you’re drawn to the valley for its stunning coastline, majestic mountains, or charming downtown areas, there’s something for everyone. Residents enjoy a mild climate, making outdoor activities like hiking, kayaking, and skiing accessible throughout the year.

Comox Valley is also home to excellent schools, making it a popular choice for families. The strong sense of community is evident in its local farmers’ markets, festivals, and cultural events. All of which contribute to the area’s lively, welcoming atmosphere. It’s easy to see why people choose to call Comox home, with its range of homes. You can find everything from waterfront properties to cozy single-family homes here.

Janice Leffler: Your Local Real Estate Expert

With over 30 years of experience, Janice Leffler is one of the most trusted and well-respected REALTORS® in the Comox Valley. Her extensive knowledge of the area and commitment to providing personalized service have made her the go-to expert. Janice’s client-first approach is built on transparency, integrity, and a deep understanding of what makes the Comox Valley market unique.

Her track record speaks for itself: long-term clients who return to Janice time and time again because of her consistent results and dedication. Whether you’re looking to buy your first home, downsize, or sell a property, Janice offers expert guidance at every step, ensuring that your real estate journey is as smooth and stress-free as possible.

Why Choose Janice Leffler as Your REALTOR®?

Choosing the right REALTOR® is key to a successful buying or selling experience, and Janice Leffler stands out in Comox Valley for several reasons. First and foremost, her in-depth knowledge of the local market ensures that her clients are always positioned for success. She knows which neighbourhoods offer the best value, how to price homes competitively, and which properties have the most investment potential.

Janice’s professionalism and attention to detail make her a cut above the rest. For sellers, she provides tailored marketing strategies, professional staging advice, and high-quality photos that showcase properties at their best. For buyers, Janice’s local connections allow her to find hidden gems and help her clients navigate the competitive market with ease. Her negotiation skills ensure her clients always get the best deal possible.

Moreover, Janice’s commitment to client satisfaction is what truly sets her apart. She takes the time to understand each client’s needs and goals. As a result, she offers a personalized approach that is rare in the industry. This client-first mindset is reflected in the glowing testimonials from her long-term clients, who often praise her professionalism, knowledge, and genuine care for their real estate needs.

Janice’s Process: Helping Buyers and Sellers

For Buyers:
Janice Leffler’s process for buyers begins with a thorough consultation to understand what her clients are looking for in a home. From budget to location, she leaves no stone unturned to ensure she finds the perfect property that fits both lifestyle and financial goals. With her deep knowledge of the Comox Valley, Janice provides insights into local neighbourhoods, schools, and amenities, helping buyers make informed decisions.

Once the ideal home is found, Janice handles the offer process and negotiations with confidence, ensuring her clients secure the best possible deal. Her calm, steady guidance throughout the buying process makes even first-time homebuyers feel comfortable and supported.

For Sellers:
When it comes to selling a home, Janice’s comprehensive approach ensures that her clients’ properties receive the attention they deserve. From staging to pricing, she handles every detail to help sellers maximize their return. Her marketing strategies include professional photography, targeted online ads, and hosting open houses to attract serious buyers. Janice’s hands-on approach means that her sellers are always informed and in control of the process, from listing to closing.

Client Success Stories

Janice Leffler has built her career on long-term relationships with clients who trust her expertise and dedication. Here are some stories from repeat clients who have worked with Janice for years:

  • Laura M., a long-time client, shared:
    “Janice has been my REALTOR® for over 20 years, and she has helped me buy and sell multiple homes in the Comox Valley. Her knowledge of the area and professionalism are unmatched. She makes the process so easy, and I wouldn’t trust anyone else with my real estate needs.”
  • Ken & Lisa, repeat buyers, praised Janice’s expertise:
    “We’ve worked with Janice on both buying and selling homes, and she always delivers results. She knows the market inside and out and is always there to answer our questions. We couldn’t be happier with the service she’s provided over the years.”

These stories reflect Janice’s ability to build trust and deliver consistently outstanding results, which is why so many clients return to her again and again.

Ready to Buy or Sell in Comox Valley? Contact Janice Today!

If you’re thinking of buying or selling in the Comox Valley, don’t hesitate to reach out to Janice Leffler. With her decades of experience and deep local knowledge, she is the perfect partner to guide you through the real estate process. Contact Janice today to start your journey toward finding the home of your dreams or selling your property for top dollar!

home staging in comox valley

Expert Tips for Staging Your Home in Comox

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You can improve your chances of getting offers and selling your home in the least amount of time for the best possible price by doing a few things. Whether it is a buyers’, a sellers’ or a balanced market there are some ways to make the best first impression.

Clean and Declutter:

Clean, clean, and clean some more! You might not be able to stage each room in your home.However, it is vital to ensure each space is cleaned and decluttered. Ensure that counters, carpets, flooring, and appliances are spotless! This not only signals pride of ownership, but it helps display the potential of the spaces to buyers.

Depersonalize:

Make sure to depersonalize while you’re working through and clean your spaces. Ideally, family photos, kids’ drawings, etc, should be removed or replaced. This will appeal more to potential buyers and help them focus on the home they are viewing.

Focus on Key Spaces:

The primary areas in your home are your living room, kitchen, dining room, and master bedroom. If you are not able to get to each room, these are the ones you should focus on to ensure your home is represented as best as possible.

Consider a Fresh Coat:

Did you know? According to a renovation investment report, 36% of buyers prefer a fresh coat of paint! This can go a long way to making your home look new and revitalized.

Boost Curb Appeal: While you’re staging your home, don’t forget about curb appeal! The exterior of your home may be even more important for first impressions. Just as it is key for the interior to be spic and span and minimalistic, the outside is the first thing a buyer sees. For first impressions, a good place to start would be renting a power washer to scrub down your driveway and exterior siding.

Whether you are in Courtenay, Comox, Regina or Halifax, you cannot discount the importance of making a good first impression when potential buyers come to view your property. It may well be the first and last thing they think about before deciding which home to make an offer on.

Get in touch with me today, for more tips on Staging Your Home in Comox!

gen z home buyers in comox valley

Relocating or lifestyle changes are worth it if Generation Z adults can get into the home ownership market.

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According to a survey conducted this year by Royal LePage, 83% of 18 to 38-year-olds in British Columbia believe that home ownership is a worthwhile investment. Of those who are not yet homeowners, 77% say they plan to purchase a primary residence in their lifetime. Even though they realize it is expensive to own a home, it is a priority for them.

The positive association with owning real estate amongst the younger generation was not altogether unexpected. What is surprising and promising is the practical and purposeful way they are tackling the affordability barriers.

They are focused on saving for a down payment which is often the most difficult hurdle buyers face.

Purchasing in larger urban markets like Vancouver might not be attainable. However, smaller markets such as the Comox Valley may reap the benefits. The overall sentiment from this demographic is that owning their home, regardless of the property type, is a valuable and worthwhile long-term investment.

To achieve this, they are willing to make lifestyle adjustments or find alternative ways to enter the market. This may include purchasing with friends or family. It may mean buying a property with the intention of renting part of it to a tenant. It can even mean relocating to more affordable areas.

For many of these young buyer hopefuls, current higher lending rates are a major barrier. Keeping potential buyers in the rental market longer.

Now that rates are edging lower, we may begin to see more of these potential homeowners move away from renting and into purchasing.

Among respondents in British Columbia who do not currently own a primary residence, 75% say that owning a home is a priority. Approximately half of all who responded (51%) really believe this is an achievable goal. The other 49% are split between being unsure whether they will be able to buy and those who are convinced they will not be able to own a home.

When asked why the goal of home ownership is important to them, the vast majority say they would like their own permanent place to live. Other factors they consider are the stability of owning and the restrictive landlord-tenant policies when renting.

Homeownership is a highly valued milestone for many in the Generation Z and young millennial demographic. This makes it a key priority for their future.

While some young buyers expect to receive financial assistance from their families, others are assessing their finances and making the necessary adjustments to reach their goals. They are doing a thorough analysis of their income and spending habits, and are cutting back on expenses where possible.

Remember that opportunities exist in every market. Don’t feel pressured to act immediately. Take the time to ask questions, understand, and become comfortable with the opportunities available to you.

I am here to help you with that goal and explain some of the options and possible solutions. Get in touch today!

Summary

● The Royal LePage® 2024 Demographic Survey on the Next Generation of Buyers revealed
that 84% of respondents nationally believe in home ownership as a worthwhile investment,
with variations across provinces. 1
● 51% of respondents nationally currently own their primary residence, while 35% are renting
and 13% are living rent-free.
● 74% of non-homeowners consider owning a home a lifetime priority, citing reasons such as
seeking stability and financial benefits. 2
● 54% of those prioritizing home ownership believe it is achievable, with 20% thinking it is not
achievable.
● 75% of those prioritizing home ownership plan to purchase a home in their lifetime, with
varying timelines for purchase, including 40% aiming to buy within the next 5 to 10 years. 3
● The Home Purchase Survey by Hill & Knowlton highlighted various steps taken towards
home ownership, such as saving for a down payment and reducing discretionary spending.
● Respondents reported delaying or eliminating major life decisions to save for a home, with
some receiving financial assistance from family. 4
● Canadians showed openness to alternative options for affording a home, including rental
income and co-owning programs.
Little Impact to Comox Real Estate Market From Lower Interest Rates

Little Impact to Comox Real Estate Market From Lower Interest Rates

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So far, the Bank of Canada’s interest rate cuts are having little impact on housing markets in the Comox Valley. Activity in real estate markets has remained relatively weak with home sales below historical averages in July and August. New listings are edging upward, prices seem to have leveled and residential mortgages are lukewarm at best.


In the second quarter of the year mortgage balances grew by just 3% annually. This is the second slowest quarterly pace since 2000.


A lower debt-to-income ratio reduces the vulnerability of people who are trying to purchase and there may be more good news to come.


If the current trend to reduce interest rates continues, it should lead to a gradual increase in housing activity. Welcome news for sellers and buyers alike, it is expected rates are on the road to more decreases which should spark further interest later this year.

New Construction remains strong in Comox Real Estate Market

While the resale market has been sluggish, new construction is strong. The surge of residential starts is dominated by multi-unit construction. Apartment and condominium construction is healthy at just below recent all time highs experienced in 2021. Single family new builds have been weaker, but are still ongoing.


A shortage of construction workers, zoning restrictions and supply bottlenecks, along with slow municipality response, is not helping. This has led to delayed completions and brought the number of dwellings under construction to record highs.


Recent provincial government legislation is designed to alleviate some of these situations, but it remains to be seen whether it will. Courtenay, Comox, Cumberland, and other locales have reset some of their bylaws to allow increased capacity. It is much too soon to see whether this will improve timelines for permits and other approvals. Economic growth has slowed to about 1% this year and isn’t expected to do much better next year. The costs of running a household don’t seem to be coming down. Easing of interest rates and other measures introduced by provincial and federal governments should allow housing markets to recover this year and next.

Check with me to find out what the real estate trends are in the Comox Valley. I am always available to provide you with more and better information so you can make informed decisions and realize your housing dreams.

bank of mom and dad

The bank of mom and dad: Taking extremes to secure children’s homeownership dreams in steep markets

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In this economy, the Bank of Mom and Dad is more popular than ever.

It’s no secret that it’s harder to buy a home now than when they were young. Canadian parents have passed billions of dollars to their adult children in recent years. It is intended to give them a leg up when entering the housing market or in changing circumstances. Up against ever higher prices, limited supply, stringent mortgage requirements and steep interest rates and taxes, they want to help.

The unprecedented transfer of wealth is in part due to a fear of missing out. , Parents want to do all they can to ensure their kids are able to realize homeownership before it’s completely out of reach.

Embracing extreme measures before homeownership completely out of reach

In the past five years, this has gone beyond providing a loan or helping with the down payment. Parents are now, in some cases, making installment payments or becoming guarantors. The latter makes them liable for mortgage payments if their son or daughter defaults. Many are going on title as co-signers to help their offspring qualify for a mortgage.

Other tactics being used amount to pulling funds out of their retirement savings or using equity from their own home. These, including a second mortgage or home equity line of credit to assist, potentially puts their own retirement at risk.

Suggest clients get legal advice if asked about parents loaning or gifting money to kids

It’s wonderful to be able to help get your struggling offspring launched. Some are getting a little too comfortable in the basement. Realtors, parents and their kids need to be aware of the potential risks in these situations.

If things go sideways, realtors and parents may be exposing themselves to an expensive and time-consuming lawsuit. When talking about parents loaning or even gifting money to their children, it would be advisable for them to get legal advice.

As an example: “Imagine a situation with a pre-construction home and rising interest rates. There’s a risk that a child may not be able to secure a mortgage by the time the sale closes. They may face exposure for damages from the developer … but exposure may be limited by their limited assets. A parent, on the other hand, may have another property or other assets, and face significant exposure because they’re named as a buyer on the agreement of purchase and sale.”

Those who come from families without deep pockets have fewer options.

More families are making the move to Alberta or further east where it is more affordable than BC or Ontario.

Unfortunately, parental generosity is increasingly necessary if younger generations are to get ahead. Not everyone wants to own their own home, but for those who do, it is more and more difficult. This is where parents or sometimes grandparents are stepping in to help out.

Gifting, early inheritances and some of the other ways mentioned, are creative ways families are getting involved.

It’s not uncommon for “children” as old as 40 and over to be the recipients of their parents’ generosity when it comes to housing.

Contact Janice to learn more!

The basis of this article comes from Royal LePage blogger Susan Doran.

real estate in the comox valley

Real Estate Trends and Tips for Buying or Selling This Summer/Fall in Comox Valley

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Welcome to the vibrant Comox Valley real estate market! I’m Janice Leffler, a seasoned REALTOR dedicated to helping clients navigate their real estate journeys. As we move through the summer and into the fall of 2024, it’s an excellent time for buying and selling homes. Understanding the current market trends and preparing accordingly can significantly impact your success.

Market Trends for Summer/Fall 2024

This summer and fall, the Comox Valley market is bustling with activity. Lower mortgage rates have spurred increased buyer interest, creating a competitive environment. Inventory levels are moderate, with a high demand for single-family homes and townhouses. Seasonal factors, such as families relocating before the new school year and the pleasant weather, are contributing to the market’s demand.

Tips for Buyers of Comox Valley Real Estate

1. Get Pre-Approved: Secure a mortgage pre-approval to strengthen your offer and expedite the buying process.

2. Act Quickly: With high demand, be prepared to make swift decisions when you find a property you love.

3. Explore Popular Neighborhoods: Areas like Courtenay, Comox, and Cumberland offer excellent amenities, schools, and lifestyle benefits. Research and visit these neighborhoods to find your ideal home.

4. Work with a REALTOR®: Partnering with an experienced REALTOR® like myself ensures you have expert guidance, access to the latest listings, and support throughout the buying process.

Tips for Sellers

1. Enhance Curb Appeal: First impressions matter. Invest in landscaping, painting, and minor repairs to attract buyers.

2. Stage Your Home: Staging helps potential buyers envision themselves living in the space. Declutter, depersonalize and arrange furniture to showcase your home’s best features.

3. Price Strategically: Conduct a market analysis to set a competitive price. Pricing too high can deter buyers, while pricing too low may undervalue your property.

4. Market Effectively: Utilize online listings, social media, and professional photography to reach a broader audience. Virtual and in-person open houses can also attract more potential buyers.

The Role of a REALTOR® in Your Comox Valley Real Estate Journey

As your REALTOR®, I offer personalized service and extensive knowledge of the Comox Valley market. My professional network and resources ensure you have the best opportunities, whether buying or selling. Success stories from satisfied clients highlight my commitment to achieving excellent results.

Buying and selling in the Comox Valley real estate market this summer and fall requires strategic planning and expert guidance. Whether you’re buying or selling, I’m here to help you every step of the way. Contact me today to start your real estate journey in Comox Valley!

working with a realtor

Hurdles You Don’t Have To Worry About When Working With A REALTOR®

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Paperwork is just the start.

Buying or selling a home can be a daunting process. You don’t have to go through it alone. By working with a REALTOR®, you have the support you need to get through it smoothly. A REALTOR® is someone who has your best interests in mind.

REALTORS® have a wealth of knowledge about the local real estate market. You will benefit from their expertise every step of the way if you work with one.

Beyond helping you find a property, he or she will negotiate a sale and tackle the paperwork. Your REALTOR® is also an expert in the emotional highs and lows of the buying or selling journey. This is no small thing when you’re making one of the biggest financial decisions of your life!

Need more convincing? Here are seven real estate hurdles you don’t have to sweat about when you work with a REALTOR®.

Understanding the local real estate market

If you’re moving to a new city, province, or territory, one of the most significant challenges you’ll likely face is knowing enough about the local real estate market to make a confident decision.

With a REALTOR® on your side, you can use their extensive knowledge of your desired neighbourhood to your advantage.

If you’re buying, a REALTOR ® can help you find the best locations and opportunities to meet your needs. For sellers, they can help you price your home appropriately, get it ready for sale and attract the best-suited buyers.

Handling negotiations

Negotiating a real estate sale can be stressful and overwhelming. With a REALTOR® as your advocate, you can relax and know it’s all under control.

When it comes to negotiating repairs, possession dates, and more, having an expert in your corner is key. Your REALTOR ® can help you navigate the process. Making sure you get the best deal on your dream home or receive a fair price for your property is of utmost importance.

Working with a REALTOR ® helps with staying on top of the paperwork!

Whether you’re buying or selling, paperwork is a huge part of the real estate transaction process. It can be exhausting, confusing, and stressful to manage.

Easing this burden is exactly what your REALTOR® is there to help with. They’ll help sort through all the documents and make sure everything is complete and accurate. This will go far to reduce some stress along the way.

Finding your dream home

Searching for the perfect home can be a time-consuming process. You save both time and energy with a REALTOR®.

They can help you find properties that meet your specific needs and wants. They can set up automatic alerts so that you’re among the first to know when a new property is put on the market.

Whether you’re moving down the street or across the country, a local REALTOR ® can help you keep an open mind. Or maybe you need help to narrow down your search and figure out exactly what you need most.

Marketing your home effectively

Do you know how to market your home in a way that reaches the most qualified buyers? Your REALTOR® does. In fact, you have to be a REALTOR® to be able to post listings on Canada’s #1 real estate platform — REALTOR.ca.

These experts have the tools and strategy you need to reach a wider audience and ultimately help sell your home faster. They can also line you up with other professionals – stagers, videographers, photographers.

Managing home inspections is easier when working with a REALTOR ®

Building inspections can be a critical part of the home-buying process. If you’re a new homeowner, you might not know what to look for before you make the commitment.

Your REALTOR® can recommend inspectors. He or she will also be able to ask the right questions before and during the inspection to ensure the process goes smoothly. This will help you avoid any surprises.

Emotional support & encouragement

Buying or selling a home is one of the biggest financial decisions you’ll make. Naturally, this makes it an emotional and potentially overwhelming experience.

Imagine, you’ve made a bunch of offers that haven’t been accepted. Each time you thought you found “the one”. Or you’re selling but getting lowball offers. Either of these occurrences can be a real hit to the confidence.

Your REALTOR® knows this journey through and through. He or she knows about the worry, confusion, fear, excitement, relief, and utter joy that come with it. Beyond the logistics, this is a person who will be on your side, be your emotional ballast, and encourage you the whole way through.

When you are working with a REALTOR ®, you’re not just getting an expert on your side. You are also getting a confidant who knows the right questions to ask, understands your goals, and works tirelessly to achieve them.

REALTORS® know buying or selling a home is full of highs and lows. They’re there for you every step of the way, providing support, guidance, and encouragement.

They’ll be your rock through the buying or selling process. They’ll help you achieve your real estate goals with confidence and peace of mind.

Working with a REALTOR ® – Janice Leffler

Get in touch with me today and let’s help you sell your home!

Houses for Sale in Courtenay

Summer is the Best Time to Buy Houses for Sale in Courtenay

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Summertime is here! With the added warmth and relaxation in the air, now is the time to buy houses for sale in Courtenay. Achieving your real estate goals of buying a home is best done during the summer months. From excellent weather to historically better inventory, summer is a great time for buyers to jump in on the housing market. To help you get a better idea of why summer is the best time to purchase a house, I wrote this blog post. Continue reading the article below to learn more!

Why Buy Houses for Sale in Courtenay During the Summer?

One of the main reasons that buyers choose to invest in a property during the summer is increased inventory levels. Historically, the real estate market experiences greater real estate activity during the summer months. Because of this, there is often a larger range of property types in different price ranges. With more homes on the market, you increase your odds of finding your dream home. 

Another perk to buying during the summer months is better curb appeal. When you look at a property during the winter or fall, it can be difficult to imagine how it will look with lush greenery, blooming flowers, and vibrant landscaping that typically accompanies the summer season. This makes it hard to picture what you are investing in. By viewing properties during the summer you get a better sense of the full potential of the property. This is also a good gauge of what kind of neighbourhood you are buying within. 

If find a home that you love, the summer weather is also more favourable for home inspections. Having an inspector evaluate a potential investment is much easier during the warmer months. This is because it is easier to spot structural flaws, inspect roofing, examine drainage systems and check the condition of the backyard. Moreover, increased hours of daylight make for more comprehensive inspections. 

Contact me Today!

If you are curious about investing in houses for sale in Courtenay this summer, I encourage you to contact me today! Moreover, if you have any questions about real estate for sale in the Comox Valley, be sure to reach out to me! I am excited to get your aspirations on track. A home in the Comox Valley is a great asset to have. Be sure to check out my social media, and return next month for more real estate-related content! I look forward to working with you in the near future.

kitchen updates to sell your home

5 small yet impactful kitchen updates to sell your home that you can complete in a weekend!

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Every now and then, you may look at your kitchen and feel that it needs a facelift. You may want to bring it up to speed with current design trends. Thankfully, upgrading your home doesn’t have to break the bank. It doesn’t have to mean a major construction overhaul. Even small updates like switching out cabinet hardware or applying a new coat of paint can make your kitchen feel brand new.

Here are five small yet powerful ways to update your kitchen without spending thousands of dollars.

Introduce open shelving

Adding open shelving to your kitchen not only creates an additional means of storage. It also gives an eye-catching display area to showcase your personal style.

Open shelving: incorporate a single shelf, or two to three levels of shelving. It can instantly make your kitchen feel more spacious. It also provides easy access to everyday items like dishes, cups and seasonings. There are many shelving options to choose from. You may prefer traditional painted shelves with crown moulding or rustic wooden mantels with metal hardware for a more industrial look.

Open shelving in the kitchen doesn’t need to be reserved for simply practical uses, like storing glassware and plates, either. Get creative with your shelf styling and introduce plants, framed artwork, pottery, decorative ceramics, recipe books and more.

Upgrade your hardware

Just like your backsplash or countertops, your hardware can have a powerful effect on your kitchen’s persona. Updating your cabinet handles, sink faucet, light switch plates and drawer knobs can give your space a whole new vibe. Whether you prefer fixtures that are modern and sleek, or timeless and classic there are many to choose from.

When it comes to picking out new cabinet hardware, think about how you use each cupboard or drawer. Decide if handles, knobs or a combination of the two are best for everyday utility. For drawer pulls, the rule of thumb for determining the best size of handle is to choose a pull that is one-third of the length of the drawer. If you are shopping for a new kitchen faucet, consider how your spout’s height and reach will measure in comparison to your sink. For consistency, your faucet should match your cabinet hardware with a similar style and finish.

Kitchen Updates to Sell your Home: Switch out your lighting

Lighting shouldn’t take a backseat in your kitchen’s design. Swap out one light fixture for a new one. Adding a series of new lights can really change up the feel of your space.

The key to great kitchen lighting is a layered approach. Use a combination of task, ambient and accent lighting. Save bright task lights like puck or hanging lights for work areas where ample visibility is important, such as over the sink, stove and countertops. Ambient lighting – softer overhead lighting that provides general illumination for the room – can take the form of wall scones, track lighting or chandeliers. For a decorative touch, accent lighting should highlight specific areas of the kitchen. These include such areas as backlighting in glass-door cabinets.

Freshen up your window treatments

Whether you prefer curtains or blinds, window treatments can help to pull together the final look of your kitchen.

Window treatments allow you to control the amount of light in your space. They will also provide an extra layer of privacy from the outside. When choosing a window treatment, consider the ease of which you can lift and lower the shades. You’ll want to think about how to clean odours and oils from the curtains.

If you prefer to stay away from fabrics in your kitchen, opt for vinyl shutters or blinds instead.

Amp up your accessory game for kitchen updates to sell your home

It may not increase the market value of your property. Refreshing your kitchen accessories can make the space more enjoyable for you and your family.

Updating accessories could be as simple as swapping out your hand towels, table linens and floor runners. You could hang some kitchen-appropriate artwork on the walls. Introduce a burst of green with plants. A potted herb garden means some fresh flavours to add to your dishes. You can also update your small appliances, such as your toaster, kettle, countertop microwave or coffee maker. Add a pop of colour or an eye-catching addition to your stovetop or counters. If you’re feeling extra crafty, consider reupholstering the chair cushions in your dining room.

Get in touch with me for more advice on updates that will help to sell your home!

comox real estate market

Great News! Fly Direct Between Kelowna and Comox!

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Exciting news is on the horizon for both buyers and sellers in the picturesque town of Comox, British Columbia! Pacific Coastal Airlines has recently unveiled plans to introduce direct flights between Kelowna and Comox, starting June 25. This development enhances regional connectivity and also presents a myriad of benefits for people in the real estate market.


For prospective Comox Valley homebuyers, the introduction of direct flights provides newfound convenience and accessibility. Kelowna serves as a bustling hub in the heart of the Okanagan Valley. It is renowned for its vibrant culture, stunning landscapes, and thriving real estate market. With seamless air travel now available between Kelowna and Comox, those exploring real estate for sale in Comox can easily hop on a short flight to visit the area. This expedites their search process and facilitates informed decision-making.


Comox real estate market to benefit from direct flights to Kelowna

The addition of direct flights signifies heightened exposure and potential buyer interest for sellers in the Comox real estate market. Some Kelowna residents seek out Vancouver Island as a preferred destination for both business and leisure. Now accessibility to explore real estate opportunities in Comox will be increased greatly. This increased accessibility translates into a broader pool of potential buyers. Ultimately this could benefit both buyers and sellers by increasing real estate sales.


The sentiments echoed by Kelowna’s Sam Samaddar, YLW’s chief executive officer, underscore the significance of this development. Sam Samaddar highlights the enduring appeal of Vancouver Island for Okanagan residents. This further emphasizes the symbiotic relationship between these two picturesque locales.


Pacific Coastal Airlines, a respected regional airline in British Columbia, adds another feather to its cap with this expansion. With a commitment to providing efficient and seamless travel options, the airline continues to improve connectivity across the province. The benefit to residents, visitors, and businesses alike is apparent.


The introduction of direct flights between Kelowna and Comox marks a significant milestone. One that buyers and sellers in the Comox real estate market will appreciate and reap the rewards of. As accessibility improves and regional connectivity strengthens, the stage is set for a flourishing real estate market. This will help to increase opportunities and enrich community engagement.


If you’re visiting us from Kelowna, and are interested in learning more about the local Vancouver Island real estate market, please get in touch with me today!

house hunting checklist

House Hunting 101 and Why You Need a Checklist!

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Starting on the journey to find your dream home can be both exciting and overwhelming. With so many options and factors to consider, it’s easy to feel lost. That’s where a trusty house-hunting checklist comes in! It’s your ultimate companion to keep you organized and focused every step of the way.

  • Stay Focused on What Matters: Your checklist is your roadmap, guiding you through the maze of available properties while keeping your priorities front and center. Whether it’s location, number of bedrooms, or budget constraints, jotting down your must-haves and nice-to-haves helps you avoid getting sidetracked by flashy features that might not align with your needs.
  • Communication Made Easy: Your checklist isn’t just for your eyes only – it’s a valuable tool for keeping everyone involved in the house-hunting process on the same page. Share it with your partner, real estate agent, or family members to ensure everyone understands your preferences and priorities, making collaboration smoother and more effective.
  • Remember the Details: Ever visited multiple properties in a day only to mix up which one had the cozy fireplace or the spacious backyard? Say goodbye to confusion with your trusty checklist in hand. By recording key details and observations for each property, you’ll have a handy reference to jog your memory and make informed decisions later on.
  • Stay Proactive and Accountable: House hunting can be a whirlwind, but your checklist keeps you grounded. Use it as a tool to stay proactive and accountable, setting goals for each viewing and tracking your progress along the way. With your checklist as your guide, you’ll feel empowered to take charge of your house-hunting journey and make confident decisions.

A house-hunting checklist isn’t just a piece of paper – it’s your secret weapon for navigating the real estate market in Comox with clarity and confidence. So, grab your pen and start jotting down those must-haves – your dream home is waiting to be discovered! Get in touch with me today if you want to put this checklist to good use!

Get the House Hunting checklist here now!

comox realtor how to price homes for sale

How a Comox Valley REALTOR® Prices Your Home

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You’ve loved your home but are ready to move on. How much should you list it for? A casual observer might believe a listing price is an arbitrary number. Realtors consider many factors when pricing, including market conditions, historical data, location and amenities. Overprice a property and it could linger, unsold, for months. Undervalue it, and you’re leaving money on the table. While getting a home appraisal can give you an idea of your property’s worth, pricing a home is part science and part art.

When asked to price a property, there are many aspects involved and lots of fine-tuning.

Some considerations include:

Current local market conditions


Pricing a home should include looking at the current market conditions and trends in your area. How many properties with similar features are up for sale? How fast are they selling? Knowing these things can help determine how a property should be priced. Comparable current and sold listings are an invaluable source of information to look at when pricing. This takes into account the ability of active buyers and their buying power. Sold property prices are often relayed to any buyer or seller by their REALTOR®. Is it a buyer’s or seller’s market? When there’s low inventory in a neighbourhood, this can create a seller’s market with more competitive listing prices. If there are a lot of homes for sale, it may require lower asking prices and indicate it’s more of a buyer’s market.

Location


Sought-after neighbourhoods near well-respected schools and other amenities will typically demand a higher price tag. Remember: even homes on the same street can differ in price. If one side of the street backs onto a body of water, for example, those homes could be priced higher. Similarly, a busy street or lots of noise nearby may suggest a lower asking price.

Size and layout


A home’s layout can also factor into its pricing. Many families look for three or more bedrooms on one level. The square footage of a home and land size also influences the value of a property. Depending on the area and the buyer, aspects like privacy or usable land play a role.

Age and condition of the house


How old a property is, and whether it has or needs major updates, also factor into pricing. These can include windows, roof, kitchen, bathrooms, and mechanical systems. When the major components of a home have been updated or replaced, many buyers see that as a benefit. It is part of the long-term investment they will not need to spend money on. DIY projects gone wrong can be detrimental in obtaining top dollar. Work that is not done professionally and is substandard will decrease your home’s appeal. This, therefore, will also decrease the price.

Bonus spaces


A home with an in-law suite or additional income potential can be important as it gives the buyer flexibility with their financing and buying capability. Within urban communities, it may be hard for a buyer who wants a detached workshop or a studio. This is considered special and not easy to find, so it must be taken into consideration when pricing.

Seller’s motivation


Comox REALTORS® also take a seller’s motivation into account when pricing a property. If a seller has an accepted offer on another property, or they’re being transferred out of town, they may ask a compelling listing price to attract more buyers.

What is the MLS® Home Price Index and how does
it work?


REALTORS® have a powerful tool at their disposal. This is the MLS® Home Price Index (MLS® HPI). It provides a more precise picture of home price trends by gauging prices for the market as a whole. It also provides prices for specific housing categories. This information allows them to do a comparable market analysis. They learn what other similar homes have recently sold for and gives solid indicators on how to price your property. Because this data can change from month to month, it’s important to use an accurate tool that tracks prices to get the latest information. Ultimately, the pricing of a home is the seller’s decision. Their REALTOR® helps with that decision by employing their expertise and knowledge of the market. One goal is to price the property to attract serious buyers. Another goal is to prevent an extended period of time on the market that may ultimately come at a cost. Working with a Comox Valley REALTOR® to price your home gives you peace of mind that you’re setting yourself up for success with the advice and expertise of a professional.

before you go

Sold your Comox Valley home? Don’t forget these 4 important steps before you leave!

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After staging your property, hosting showings and entertaining offers, selling your home feels like a huge accomplishment. Even after you’ve found the perfect buyers, there’s still plenty to do on the countdown to moving day. Your focus will likely be on packing and making arrangements for your new home. Important tasks should not go overlooked, however.

Before you officially hand over keys and say goodbye to your former abode, consider completing these four important tasks.

Update your utilities, accounts and subscriptions

Don’t forget to disconnect before you leave!

Call your cable, internet and phone providers. Notify them of your move and disable service when you depart. On closing day, have your hydro and gas metres read. This will ensure that you will pay your share of utilities. The new occupants will take over those expenses once they take possession..

If you have any newspaper deliveries or maintenance services for your yard or pool, be sure to give them a heads up too. Talk to your local post office to have your mail forwarded to your new address. You don’t want to miss any important packages, bills or letters.

When it comes to insurance, don’t cancel your policy until the sale has closed. If you are leaving your home vacant for a period of time before the new owners move in, let your insurer know. Maintain your policy as long as you own the property. Ensure you are covered in the event anything happens while the property is empty.

Leave behind important items for the new owners

Figuring out how to work a new appliance can be a hassle. Make life a little easier for the new homebuyers by leaving instruction manuals out in plain sight for them to find. This should include any pamphlets for heating and cooling systems, the fridge, stove, washing machine and dryer, plus any warranties.

Gather all keys to sheds, gates, storage cabinets and mailboxes. Leave them in a spot that is easy to find, such as the kitchen counter. Along with the keys, leave behind any remote controls, the garage door opener and any fobs.

Be mindful of items you are obligated to leave behind for the new owners that may not seem obvious. Light fixtures and curtain rods are considered to be “fixed”. If you’re removing them or other items attached to the wall, they should be replaced unless other arrangements have been agreed upon. Consult your realtor and your purchase agreement to confirm what has been included as part of the sale.

Give the home a wipe-down

After a long moving day, your buyers will appreciate coming into a home that has been prepared for their arrival.

Most purchase agreements require that the home be left in a ‘broom swept condition,’ at the very least . Loosely this translates to a surface-level clean. It would include removing all personal possessions, vacuuming the floors and disposing of all garbage.

Some buyers expect the seller to have a professional cleaning performed. If necessary, have this clarified in advance. While cleaning out your home, don’t forget about your attic, crawlspace, closets, outdoor shed, garden beds, fridge, freezer and other easily overlooked areas.

Do a final walk-through

We’ve all had that moment of leaving home and feeling like we’ve forgotten something important. On moving day, erase any possible doubts by doing one last walk around. Include the inside and outside of the property to ensure you haven’t missed anything important.

Before you lock up, set the temperature appropriately for the time of year. It may be wise to shut off the main water valve. The home may be empty for a prolonged period of time.

While doing your final tour, be sure the home is fully secure. Check that all windows and doors are closed and locked, including garden sheds, garages and patio doors.

kids and moving in comox

How to support your kids during a move to Comox

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Moving can be a very exciting time for a family. The anticipation of new surroundings, opportunities and a fresh start can be quite enticing. It can also be quite daunting. It is a major life event that affects all children differently.

If you are a parent who is looking for ways to help your child handle the moving process and adjust to their new environment, read the following tips. These could help them cope with the transition.

Communicate

Communicating with your child about the move will help them feel supported. Share with them the reasons behind the move and how you’re feeling about it. Hear their thoughts about moving, good or bad, and empathize with their feelings. An open channel of communication can be one of the most impactful ways to help your child navigate through the changes surrounding a move.

Get the kids involved

Involve kids in the moving process with age-appropriate tasks. It will help them accept the permanent nature of moving out of their current home and into a new one. Having them help out also gives them a sense of responsibility and pride. Any positive emotion associated with moving is a plus.

Here are a few fun tasks to try:

● Gather special items and take photos around the old home for a
keepsake treasure box
● Start a Pinterest board to gather inspiration for their new room
● Have your little ones assist with decluttering by going through their
clothing and toys. Let them decide what to keep and what to pass
on to other children who need them
● Make packing fun by having them fill up a box of their things and
decorate it with stickers, markers, etc.

Create a plan to stay in touch with friends

For children, one of the hardest parts of moving away is leaving their friends and classmates behind. If this is the case for your child, create a plan to help them stay in touch with their closest friends. Technology makes it easier to keep in contact with video calling and messaging apps. You can take it a step further by planning to write letters back and forth. Plan a visit if you’re not too far away. Create a keepsake book full of pictures and memories of your child and their friends.

Explore the new neighbourhood together

To eliminate some of the apprehension that comes with living in a new place, it can help to explore the neighbourhood together beforehand. If possible, take your kids with you on a walk-through of your new home. This could help with knowing what to expect on the big day. You can also check out your child’s new school. Add to that local playgrounds and restaurants to get the kids excited and familiarized with their new environment. If physically traveling to your new neighbourhood isn’t possible, look for maps, videos, and pictures online. Encourage conversation like what they are excited about. When you do arrive in your new community, take breaks from unpacking to enjoy your new space together.

Check-in with yourself

Children can often sense when their parents are going through something difficult. Moving can be stressful. This is why it’s important to check in with yourself. Are you taking time to rest and nourish your body? Have you allotted sufficient time to complete moving tasks like preparing the home and packing?

Care for yourself and work through your emotions surrounding the move. It will put you in a better headspace to support your kids when they need you.

home staging in comox

The dos and don’ts of staging your Comox home for sale

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When it comes to selling your home, making a positive first impression on a potential buyer is a crucial part of the process. Many sellers opt to stage their home, either through professional services or their own efforts. The goal is to make their space look more appealing to buyers, both in person and online. Staging is a popular real estate marketing strategy. It is effective at attracting purchaser interest, garnering offers at higher prices and selling homes quicker. If you’re preparing to list your property on the market soon, here are the dos and don’ts of staging your home for sale.

DO – Depersonalize your space


Buyers want to visualize themselves living in their potential new home. This can be hard to conceptualize in a space that is decked out with the seller’s belongings. To help buyers build an attachment to a property, it’s important to depersonalize. This means removing family photos, collectables, diplomas and other personal items. Consider depersonalizing your walls and furniture too. Busy accent walls, bold wallpaper and quirky fixtures speak to the specific tastes of the owner. Softening your home with neutral colours and fabrics can help make a potential buyer feel more at home. It is important though not to strip your space completely of personality. When staging, stick with basic accent pieces, such as a vase of flowers or simple throw pillows, to liven up the room.

DON’T – Overlook unfavourable smells

When buyers enter your home, they aren’t just judging your property with their eyes. All senses are engaged, including smell. Unappealing odours due to mould, pets and garbage can quickly turn off a potential purchaser. Be sure to tackle them before you welcome any showings. Take out the trash and scoop the litter box regularly. If the smell of mildew is present, give your showers and tubs a thorough clean. You could also schedule a visit from a contractor to rule out any mould-spawning water leaks. Don’t fill the room with artificial air fresheners either. Add subtle natural scents such as fresh linen, baked goods or potted herbs to entice the senses.

DO – Improve the lighting


Dark interiors can make spaces feel cramped and uninviting. Introduce an abundance of light into your home. When staging for photographs or showings, open all of the blinds and drapes, turn on lights. Move obstructions away from windows to let in as much natural light as possible. You can also boost the amount of lighting in the home with a layered approach. In addition to ceiling lights, use a mix of floor lamps, wall sconces, undermount lighting, and table lamps. This will brighten your space for potential purchasers.

DON’T – Forget about curb appeal


Buyers can easily make a snap judgment about your property from the minute they arrive on the street. Get things off to a good start by staging your home’s exterior too. Begin with a simple clean up. Mow the grass, power wash the siding and walkways, and free the lawn and eavestroughs of any fallen leaves or branches. Be sure to repair any broken porch lights or wonky house numbers. Complete your property’s refreshed façade with a clean doormat and some inviting potted plants or hanging baskets on the front porch. And don’t underestimate the power of a fresh coat of paint on the front door!

DO – Rearrange your furniture


It is possible to have too much furniture. Overstuffed rooms can give the illusion that there is a lack of spaciousness. When staging your home for sale, don’t be afraid to put some items in storage. You could swap furniture out to achieve an appealing layout that buyer’s can easily walk through. If space permits, pull furniture away from the walls to allow for more movement and reduce any dead space in the centre of the room.

condo storage space in comox

How to maximize storage space in your Comox condo

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Condo living in Comox can have its perks. There are often on-site amenities to enjoy and building maintenance is taken care of. With those perks looked after, you can experience the full benefits of a bustling urban lifestyle. However, one of the common complaints of condominium and apartment living is limited storage options. That can make it tricky to store your things. Luckily, there are a few solutions you can try to make the most out of your space. Wanting to tuck away your holiday decorations, suitcases or off-season clothing?

Try some of these storage solutions in your condo today.

Opt for furniture with integrated storage


Double up on your storage options by investing in multi-functional furniture that has built-in storage space. There are a variety of ottomans, coffee tables, sofas and beds out there that provide hidden storage units and drawers. This can make storing your belongings easy and discreet. Similarly, you could opt to use bins and containers that can fit underneath your furniture. In this way, extra items can be stored out of sight.

Bonus tip: Opt for furniture pieces that are lightweight or have wheels on the base. They can be easily moved around depending on the needs of your space. You can also invest in convertible furniture like a sofa that turns into a bed or a work desk that can be folded up against a wall. This allows for more efficient use of your limited square footage.


Make the most of vertical space


When it comes to condo storage, blank and tall walls are your best friend. If your unit has limited floor space, utilize your walls. This can be as simple as installing a few extra wall hooks for hanging coats, bags, and kitchen utensils. Or you could invest in some bookshelves for displaying your favourite collectibles, artwork, and framed photos. Think of unconventional vertical space too, such as doors or the insides of cupboards. Caddies and over-door organizers can be hung there.

Introduce built-ins on the wall

Sometimes adding a wall hook or two isn’t enough to offer the extra storage space that you really need. Opting for a more customized approach through the use of built-in wall compartments and shelves can provide storage options. These would be specific to your condo’s unique size and layout, while improving overall functionality. Think wall-to-wall and floor-to-ceiling built-ins in your living room, entryway and bedroom. Take full advantage of useful wall space in this way. It will introduce seamless and integrated storage options into any room.


Use smart containers

When every inch of storage space counts, there’s literally no room to carelessly tidy away your things. Strategically choosing the right containers or bins allows you to get the most storage space you can out of your condo. For example, stackable containers can more effectively utilize vertical space in your kitchen cupboards and bathroom vanities. Vacuum sealed bags are great for storing coats, bedding and other bulky linens in small spaces. Clear containers are also convenient for easily finding your supplies without having to open every lid or box. If the bins are not transparent, stick labels on the outside.


Bonus Tip: When in doubt, consider off-site storage


Maybe you’ve decluttered and reorganized to your heart’s content, but still can’t find enough space for everything in your condo. Don’t underestimate off-site storage as an option. Sometimes we simply can’t find a solution to storing awkwardly-sized or heavy items. On-site condo lockers or paid storage units are a great alternative. Lock away large belongings that aren’t used on a regular basis, such as off-season sports gear, balcony furniture, large tools and bicycles.

real estate in comox

Navigating Comox Valley Real Estate in 2024

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Happy New Year! If you’re looking to invest in Comox Valley real estate, 2024 is looking ripe with opportunities. National trends and new assessment data from BC Assessments are showing signs of a shift toward a buyer’s market in many of Canada’s major cities. In this article, I will be going over some of the 2024 market insights to pay mind to in the months to come.

Follow along below to learn more about what to expect from Comox Valley real estate in the New Year!

What to Know About Buying Comox Valley Real Estate in 2024

The first thing that buyers should be aware of going into 2024, is the current status of interest rates. The Bank of Canada has been steadily increasing the policy rate since 2022 in an effort to curb economic growth, discourage spending, and minimize demand. Over the past few months, the BOC has not raised the key lending rate any further. Many experts predict that rates will remain stable for the first half of 2024. After this, Canadians can expect to see modest cuts made. 

According to BC Assessments, property values on Vancouver Island have increased from $385 billion to over $386 billion. Despite this, most cities/towns on the Island experienced slight decreases in value. For instance, in the North Island region, Courtenay and Comox property values diminished by 4%. Additionally, in Cumberland, the average home worth plummeted 7%. 

Homeowners should keep in mind that although values dropped in 2023, they are predicted to rebound in the new year. Experts are hopeful that the national average property value will go up by 4.7% in most primary markets. 

Contact me Today!

If you are interested in learning more about buying Comox Valley real estate, contact me today! I’d be happy to help you make sure that you buy the right home for your family! For more information about real estate in the area, stay tuned to my real estate blog. And, check out my social media for the latest updates and more.

I look forward to working with you in 2024!

home inspection courtenay

Common Reasons Courtenay Home Sales Fall Through

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Wouldn’t it be great if every home sale breezed through without a hitch? The offer is made, and accepted, and you’re moved in within 30 days—perfect! Well, that’s sometimes not the case.

Home sales can fall through for a number of reasons, which is why having a REALTOR® on your side is crucial to help you navigate them. Following are five common reasons home sales can fall through.

The Home Inspection exposes major issues


Whether you’re purchasing a brand new build or an older property, getting a home inspection helps uncover defects or repairs that need doing. Minor issues can usually be solved between the buyer and seller. If an inspector finds large cracks in the foundation or a leaky roof, that could be problematic. That can definitely kill a deal or bring it back to the table for further negotiations. It may also require more exploratory work involving what was discovered.

    Sellers can potentially avoid those problems by having their home pre-inspected before putting it on the market. In this way, you can fix minor issues. If you come across a major one, it will give you time to think about how to tackle it when it comes up later.

    The seller’s REALTOR® might suggest disclosing a major issue in the listing and pricing the home accordingly, for example.

    Documents reveal red flags


    If you’re purchasing a condominium, you and your REALTOR® should first review documents pertaining to the building(s). Documents include depreciation reports, meeting minutes, engineering reports, and financial summaries. For example, if you’re looking at a condo in a 10-unit building, you could find out the roof soon needs replacing at a cost of $100,000. You could also find the building’s funding reserve is low. That means to get the roof replaced, everybody would owe $10,000. Depreciation reports can show other expensive items that need replacing, like windows or elevators. This can kill a deal if the costs become too onerous and the strata corporation has not planned for them.

    Financing isn’t approved or a Home Appraisal doesn’t match the sale price

    If you’re not pre-approved for a mortgage, you may not get financing in place which could tank the sale. Even if you’ve been pre-approved, your bank will need to appraise the home you’re buying before finalizing your mortgage. In competitive offer situations, people’s emotions might get the best of them. The price gets higher and the bank might disagree with the value. That means there may be a shortfall from the agreed purchase/sale price. You can still finance a large portion of it, but to make this sale work now, you’d have to bring more money to the table.

      Buyers unable to afford a larger down payment would not be able to secure financing so may back out of the deal.

      Small Details can cause big problems

      Sometimes, buyers and sellers agree on a purchase price but then get bogged down on other points. They can’t agree on occupancy dates or what’s included with the home, for example. A buyer may want to move into the home quickly, but the seller needs more time.

      Usually there’s a creative solution to make it work. The seller could do a rent back for a month or longer, say. It can still spill over to other facets of the negotiation and sour the whole deal though. Sometimes buyers want the seller to include a lot of items. It is usually best to leave that alone and reach terms everyone can agree upon. Then, after the deal is done, the buyers can make them an offer for extras, but keep it separate from the real estate (the home).

        Buyers get Cold Feet


        Until all conditions are met a deal is not done and buyers can walk away if they have a reason for doing so. Conditions to be met may include a home appraisal, inspection, and approval of financing. There could be other conditions as well. It is important for the buyers to pay their deposit too.

          In order for a successful sale to occur, all of the foregoing must be satisfied and signed off on in a timely manner. Get peace of mind by working with a REALTOR® With so many steps involved, working with a REALTOR® is extremely beneficial.

          If you’re working on your own, you don’t have representation to protect and guide you. A REALTOR® looks out for your best interests. I will follow through on all due diligence. This allows buyers and sellers to understand exactly what they are getting involved in. It also lays out the costs and the process so you can feel 100% comfortable with every decision you’re making.

          If you’re buying or selling your home soon, connect with Janice, a local REALTOR® in Courtenay, BC. She will ensure you’re taken care of through the entire process from the expected highs to the unexpected lows.

          courtenay mortgage

          Ways to Pay Off Your Courtenay Mortgage Faster

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          When it comes to homeownership, many of us dream of the day we will be mortgage-free. While most mortgages operate on a 25-year amortization schedule, there are some ways you can pay off your mortgage more quickly!

          Review Your Payment Schedule:

          An easy way to start paying down your mortgage faster could be to look at your payment schedule. You may want to move to an accelerated bi-weekly payment schedule. While this will lead to slightly higher monthly payments, the overall result is approximately one extra payment on your mortgage per calendar year. This can reduce the total amortization by multiple years, which is an effective way to whittle down your amortization faster.

          Increase Your Mortgage Payments*:

          This is another fairly simple change you can execute today to start having more of an impact on your mortgage. Most lenders offer some sort of pre-payment privilege that allows you to increase your payment amount without penalty. This payment increase allowance can range from 10% to 20% increase from the original payment amount. If you have earned a raise at work, or have come into some money, consider putting those funds right onto your mortgage. That will help reduce your mortgage balance feeling like you have to change your spending habits.

          Extra Payments*:

          For those of you who have pre-payment privileges on your mortgage, this is a great option for paying it down faster. The extra payment option allows you to do an annual lump-sum payment of 10-20% of the original loan amount to help reduce your loan! Some mortgages will allow you to increase your payment by this pre-payment privilege percentage amount as well. This is another great way to utilize any extra money you may have earned, such as from a bonus at work or an inheritance.

          Negotiate a Better Rate:

          Depending on whether you have a variable or a fixed-rate mortgage, you may want to consider looking into getting a better rate. This would reduce your overall mortgage payments and the amount that goes to interest. This is ideally done when your mortgage term is up for renewal. When rates start to come back down, it could be a great opportunity to adjust your mortgage and save! This may be done with your existing lender OR by moving to a new lender who is offering a lower rate (known as a switch and transfer).

            Refinance to a Shorter Amortization Period:

            Last, consider the term of your mortgage. If your mortgage is coming up for renewal, this is a great time to look at refinancing to a shorter amortization period. While this will lead to higher monthly payments, you will be paying less interest over the life of the loan. Knowing what you can afford and how quickly you want to be mortgage-free can help you determine the best new amortization schedule.

            *These options are only available for some mortgage products. Check your mortgage package or reach out to your lender. He or she will be able to ensure these options are available to you and that you avoid any potential penalties. If you’re looking to pay your mortgage off quicker, don’t hesitate to reach out to your mortgage broker or banker today! He or she can help you review the above options and assist in choosing the most effective course of action for your situation.

            house in courtenay bc

            A Pet-Friendly Home in Courtenay, BC

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            When renovating a Courtenay home, the major concerns are often making the space more functional, stylish, and cozy. When you have a pet or are planning to get one, some of those design considerations may change to best suit your four-legged family member’s needs.

            Here are a few tips to help make your home in Courtenay more pet-friendly:


            Avoid carpet flooring

            Carpets can gather dirt and stains like no other. Many pets shed, and some may feel the occasional need to relieve themselves in the wrong place. Plus, animals can easily tip over glasses and plates with their tails while exploring tabletops. Avoid a time-consuming and potentially expensive clean-up. Opt for durable and easy-to-clean flooring like laminate, vinyl, stone, or ceramic.

            Get washable, wipeable furnishings for your home in Courtenay


            When it comes to your couch and other furniture, choose fabrics and textures that are less of a magnet for pet fur. If necessary, somewhat claw-resistant fabrics are a good idea as well. Consider certain types of synthetic fibres that can be more resistant to damage. You may also want to apply a protective layer of wipeable paint… just in case you end up with paw prints on your walls.

            Design a ‘pet pad’


            As a way to minimize mess and not give the impression that you have a Tasmanian devil for a pet, consider setting up a designated play area for your furry friend. Retrofit a small portion of your home with a comfy bed, bowls for food and water, a storage bin for toys, and scratch pads. If they feel like they have their own space, it may keep your pets from spreading toys around the house and taking things from other rooms. This can also help contain any potential messes in one area of your home… preferably one that has durable floors.

            Safety-proof your yard


            Outside of your home in Courtenay, plant only pet-friendly flowers and plants in your garden. Avoid toxic vegetation like tulips, lilies, and certain kinds of mulch. Provide your pet with an outdoor shelter and some shade for hot summer days. Ensure you build a sturdy fence around the yard to help keep them from running away. This should also prevent skunks, raccoons, and other critters, including your neighbors’ pets, from setting up shop on your property and harming or disturbing your four-legged friend.

            Get in touch with me if you’re looking for more real estate-related advice in Courtenay, BC!

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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!™

            fall decor tips janice leffler courtenay homes for sale

            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.

            home for sale in Comox Valley

            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.

            comox valley property

            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.

            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.

            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. 

            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!

            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.

            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!