Trusted Tips and Resources

Trusted Tips & Resources

The Trusted Saskatoon Finance Talk To The Experts show 2014

Trusted Saskatoon.com THE Saskatoon Directory   is proud to be hosting a Talk to the Experts show " The Trusted Show' Monthly on Newstalk 650 ..the first show aired June 9th.  Find them all here in our tips library or on our Trusted Channel on You Tube which is a fabulous resource of Tips , Interviews, Demos and Tours.

What this means is you can listen to all the shows ON DEMAND, you can share them with friends who may be interested in the shows subjects and this makes sure you never have to miss a Trusted Show - we think out of the Box when it comes to marketing, so we can provide the BEST Possible service for YOU the public- we are the Ony Local Directory that works for you...and the only  place to offer this kind of service in Saskatoon !  

This latest show we are featuring is the TRUSTED SASKATOON  PERSONAL FINANCE SHOW

 

 

Your Mortgage Now your Trusted Saskatoon Mortgage Experts tip on Buying a Home Sooner

Buying a home is one of the most important and exciting steps in your life.... now that pesky financing! Deal with people who can offer you and your family the best options for you with Your Mortgage Now! Devin Cristo and Wes Will are your Saskatoon Mortgage Experts and they have years of experience helping individuals and families finance their dreams by offering mortgages from a variety of lenders for people from all walks of life.

They are your Trusted Saskatoon Mortgage Experts!

Here they share a tip on Buying a Home Sooner to Build Equity:

 

 

It can be very beneficial to buy a home you can afford sooner rather than later. A home allows you to build equity and with every mortgage payment you make each month, you are building equity in a place of your own – unlike a rent payment.

Equity is the difference between the value of a home and your outstanding mortgage balance. The longer you stay in your home (and the more mortgage payments you make), the more equity you’ll have. Unlike most things you buy, a home will almost certainly increase in value over time – which builds even more equity.

Once you’re a homeowner, the payoff can be great. As the equity in your home grows, your financial flexibility also increases. Think of it as an extra source of financing for when the unexpected happens. An added benefit of borrowing money against the equity in your home, is it usually comes with a lower interest rate than other forms of credit, such as consumer loans, lines of credit and credit cards.

Here are some ways you can use the equity in your home:

  • Pay off other debts with higher interest rates (like credit card debt)
  • For important life events – a wedding, dream vacation or university tuition
  • Purchase a second home or vacation property
  • Emergencies – like a serious illness
  • Renovate or repair your home – build a new room or put in a swimming pool

Investing in a home can have a significant payoff over time. And the sooner you begin, the sooner you’ll start building equity. 

 

If you have any questions regarding this topic, please give us a all today at (306) 244-7755 or email us devinandwes@yourmortgagenow.ca

 

Find them on Facebook here! 

 

Your Mortgage Now your Trusted Saskatoon Mortgage Experts First-time Home Buyer tips

Buying a home is one of the most important and exciting steps in your life.... now that pesky financing! Deal with people who can offer you and your family the best options for you with Your Mortgage Now! Devin Cristo and Wes Will are your Saskatoon Mortgage Experts and they have years of experience helping individuals and families finance their dreams by offering mortgages from a variety of lenders for people from all walks of life.

They are your Trusted Saskatoon Mortgage Experts!

Here they share a tip on Being a First-time Home Buyer:

 

 

Purchasing your first home is one of the most exciting experiences you will have in your life, and is one of the largest purchases you will ever make. The act of homebuying involves considerable sacrifice in order to save up for the deposit and finding a home to suit your needs. While everyone is generally on a different path, knowing what the average first-time homebuyer in Canada looks like can certainly help in knowing whether you are ahead of the game or slightly behind.

The Average First-Time Homebuyer in Canada

 

If you are in your twenties, thinking about homeownership should definitely be something on your mind. While it may not be something you can afford to do for a number of years, starting to plan immediately will help you. The average first-time homebuyer in Canada has three unique characteristics:

  1. They are generally in their late 20s. In a study conducted by BMO in 2013, which surveyed 2000 first-time homebuyers, the average homebuyer was determined to be about 29 years old.
  2. They buy a home valued at $316,100 on average. This number is different in major cities, such as Vancouver where the average is $506,500, Toronto at $408,300, Calgary at $363,400 and in Montreal where the cost is less than the national average at $237,900.
  3. On average, a first-time homebuyer in Canada has $50,576 to put towards their down payment. This means that the average homebuyer has about 16% of the cost of the home, meaning they need to insure their mortgages with an insurer like Genworth (as mortgage insurance is required when a buyer has less than a 20% down payment).

The Average First-Time Homebuyer by Province

 

Homebuyers are vastly different based on the province they live in. The average home prices compared to the average amount spent by first-time homebuyers in a province helps to illustrate the cost of living and affordability in each of Canada’s provincial regions.

  • The average home in Atlantic Canada is $212,622, while the average first-time homebuyer spends $204,400.
  • The average home in Quebec is $263,661 while the average first-time homebuyer spends $222,300.
  • The average home in Ontario is $423,691, while the average first-time homebuyer spends $358,400.
  • The average home in Manitoba and Saskatchewan is $275,104 while the average first-time homebuyer spends $226,100.
  • The average home in Alberta is $407,540, while the average first-time homebuyer spends $364,700.
  • The average home in British Columbia is $611,688 while the average first-time homebuyer spends $430,300.

Other First-Time Homebuyer Statistics

 

The study also found out some interesting statistics related to first-time homebuyers.

  • 60 per cent of potential first-time homebuyers have had to delay their plans to buy, with close to 40 per cent of those people saying that the increasing cost of real estate has been the main reason for the delay.
  • Most first-time homebuyers (60%) set a fixed budget with a maximum amount they would want to spend on their home, but a third of them would be willing to spend more if they found a dream house outside of their set budget.
  • About one third (30%) of all first-time homebuyers are expecting some assistance from their parents or other members of their family with their purchase. In both Montreal and Vancouver, these numbers are significantly higher at about 40%.

The question you need to pose to yourself is – how prepared are you? If you already have a larger deposit saved, perhaps you can invest in a slightly better property. If you are behind the average, consider services like Genworth’s down payment options.

Source: Genworth. Statistics for this post derived from BMO First-time Homebuyers Report unless otherwise stated. The poll was conducted by Pollara between January 24th and March 6th, 2014. 513 first-time Canadian homebuyers 18 years of age and older were polled. As a guideline, a probability sample of this size would yield results accurate to ± 4.3%, 19 times out of 20.

If you have any questions regarding this topic, please give us a all today at (306) 244-7755 or email us devinandwes@yourmortgagenow.ca

 

Find them on Facebook here! 

 

Your Mortgage Now your Trusted Saskatoon Mortgage Experts share The Dwell Guide to Smart Design in Small Spaces

Buying a home is one of the most important and exciting steps in your life.... now that pesky financing! Deal with people who can offer you and your family the best options for you with Your Mortgage Now! Devin Cristo and Wes Will are your Saskatoon Mortgage Experts and they have years of experience helping individuals and families finance their dreams by offering mortgages from a variety of lenders for people from all walks of life.

They are your Trusted Saskatoon Mortgage Experts!

Here they share a tip on The Dwell Guide to Smart Design in Small Spaces:

Tight quarters prove especially challenging. If you're at a loss on how to squeeze the most out of your small space, consider the expert advice and furniture pics that will help you bantam-sized rooms feel like disign heaveyweights - no mirror tricks necessary.  

"Choose, prioritize, proportion, and twist the ingredients.  It may sound like a pradox, but sometimes to make it all work, you should even lose some space" - Thierry Gaugain, industrial designer of just about everything, including a 11-sqaure-foot-bathroom cabin.

 

"Our desire was to have the space appear as though they were carved from a single block of wood, with the movable pieces an integral part of the overall composition," says designer Jeff Vincent of a 520 sqaure foot backyard retreat in Portland.  "This created a feeling of seamlessness."

 

Furniture that folds flat, like the Profile Chair, all but dissappears when not in use.  Consider pieces like these to accommodate extra guests in a pinch.

 

Architect Philip Ryan placed flourescent bulbs that mimic daylight in the ceiling alcove of renovated Brooklyn aparment.  The glow refecting down the walls makes the room feel more expansive.  He removed interior walls and crafted a hallway spanning the length of the residence to increase the flow of light and air throughout.  "Even when your're in these relateively tight areas, the eye doesn't focus on the smaller moments - your're getting borrowed views from the other rooms, making the space feel more generous," he says. 

 

 "Pick the thing that you want to do well.  It's not about trying to have every single function.  If it's not doing anything to improve the experience, then take it away." - Peter Cooke, Design Lead for British Airways

Incorporate thinly outlined furniture pieces into your small space and cut the visula clutter. Wire frame pieces, like TT by Ron Dilad for Adel-C, accomplish this slender look.

 

 "Many tiny houses are steep gabled and pitch-roofed, but if you build a little place, I'd go for a curved roof.  It feels cozier to me. The dimensions of the space recede and you bring the outside in.  And if you live in a decent climate, put your bathroom outside." - Lloyd Kahn, editor of the 1973 DIY classic Shelter.

 

"Because the space is so small, I can't just bring anything home," says architect Page Goolrick of her 560-sqaure foot New York City Apartment.  "This is kind of a like a great hotel suite with kitchenette, and I like that becuase it keeps me light and free.  Editing is a big part of the (design) process."  She designed sliding partitions that when closed still allow light to flow through her space, and when opened reveal cocoonlike sleeping quarters.

Designed in 1963 to match a similar molded plywood chair, these space-efficient nesting tables by Grete Jalk have been reissued by Lange Production in Denmark.

 

"It's all about creating cozy spaces, but deliverately so.  Design, especially in a small space, should feel intentional.  What's most important is not to over-compartmentalzie.  Allow for flexibilty." - Kate Grogan, a Los Angeles-bases designer for Poliform.

 

Find them on Facebook here!

 

Your Mortgage Now Trusted Saskatoon Mortgage Experts share a tip on 19 Genius Things For Your House

Buying a home is one of the most important and exciting steps in your life.... now that pesky financing! Deal with people who can offer you and your family the best options for you with Your Mortgage Now! Devin Cristo and Wes Will are your Saskatoon Mortgage Experts and they have years of experience helping individuals and families finance their dreams by offering mortgages from a variety of lenders for people from all walks of life.

They are your Trusted Saskatoon Mortgage Experts!

Here they share a tip on 19 Genius Things For Your House That Will Make Everyone Visit You:

Must Have #7 Immediately. Making your house feel like a home can be as simple as hanging some paintings, adding a small garden… or buying some really awesome furnishings. (The latter, of course, is a lot more fun.) You won’t be able to find many of these items at your local IKEA. However, if there’s a will to make a house as awesome as possible, there’s a way.

There has to be a way to get your hands on some of these cool products.

1. Collapsable shelf-stairs. For all of your shelving needs. 

 

 

2. The Fletcher Capstan Table (an expandable table). 

 

 

3. A mirror and ironing board combo.

 

4. A beautiful bench that transforms into a dining set.

 

5. Is that a couch… or a bunk bed? Answer: BOTH.

 

6. The cube kitchen you never have to see if you don’t want to 

 

7. A bedroom and living room all-in-one

 

8. A completely transparent, gorgeous TV 

 

To see all the other genius things for your home CLICK HERE! 

 

A home or apartment with ANY of these items would officially be 25% cooler. Although, if I had to unfold a table every time I wanted to sit down, I would probably just end up sitting on the floor.

 

If you have any questions regarding morgages, please give us a all today at (306) 244-7755 or email us devinandwes@yourmortgagenow.ca

 

Find them on Facebook here! 

 

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