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Commercial Mortgage: Know Your Options

Posted by samanthas on August 16, 2013 in Business, Home Living Tips with No Comments


Commercial Mortgage: Know Your Options

Any entrepreneur who owns a business and is in need of a commercial mortgage has several options to choose from when looking for financial assistance. Many business owners may look to a traditional big bank, private lenders or independent brokers for financing and mortgages. Although each option can provide a commercial mortgage, many businesses choose to work with an independent commercial mortgage broker to get the financing package that most specifically matches the requirements and criteria of that business and its owner. The following are some aspects to consider when searching for a commercial mortgage.

Type of Loan

commercial mortgage brokerTypically, there are two types of loans a business owner can consider. The first involves a standard loan from a traditional bank. The second involves an exotic loan that include options such as an interest-only loan. This is where a bank versus an independent broker differ: brokers are able to provide more options to their clients, where banks can only offer their own products.

Private Lenders

Independent commercial brokers have the contacts necessary to be able to look at the various loan rates and mortgage packages that many different lenders have to offer. Commercial brokers who are able to look across a myriad of lenders for the best package for their client are better able to find the plan that best suits the business. In addition, a mortgage broker has more negotiating power when it comes to fighting for lower interest rates.

Specialization

Commercial brokers will have the expertise and knowledge specific to the world of commercial lending. These types of brokers will be able to provide their business clients with great service, as they will know the exact type of lender to approach for the particular loan a business owner needs.   The business owner only needs to fill out one application and their commercial mortgage can be shopped across many Canadian lenders.

Getting in touch with a commercial mortgage broker with extensive experience in the realm of business loans and lending procedures will surely be beneficial for the serious entrepreneur.  If you are looking for a commercial loan, call John Kincaid of Best Mortgage at (403) 593-4010 or visit: www.bestmortgageloan.ca.

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Don’t Waste Expensive Dog Food!

Posted by samanthas on August 7, 2013 in Home Living Tips with No Comments


dog food storage containerIf you own a large breed of dog, then you’re probably storing a big bag of food somewhere in your house to accommodate the huge appetite that your pet has! But storing your dog’s food in the paper bag that it comes in really isn’t the best idea. These bags don’t provide for adequate sealing, which means that the food can become stale in no time. Not only can that, but the lack of protection from such storage leave the dog food open to infestation from such pesky critters like insects and rodents.  It is also easy for the pet to tear the bag or spill it over to sneak some extra food!

For this reason, your best bet is to store your dog’s food in an airtight food container that will keep your dog’s food fresher for longer. After the amount of money that you spend on this food, the last thing that you want is for it to go to waste! Keep your pet food safe and fresh with airtight pet food containers sold by Paw Print Products!

If you buy large bags of pet food for your furry companion, then the 5 gallon containers at Paw Print Products are the perfect size for you. These super heavy duty containers are made with the highest quality polyethylene that meets the highest standards of the food industry. They meet all sorts of regulations, including FDA, USDA and NMFC regulations. This food grade plastic container is the perfect choice for your pet food – to house it in FDA approved, safe plastic that is incredibly strong and durable. Lugging around these containers is a cinch with the tough metal handle that is strong enough to lift the heavy weight.

dog food storage containersBest of all – and unique to Paw Print Products – is that you can personalize the container.  Customize your pet’s food container – add his name and picture to the front of the container so that everyone knows who that food belongs to! Choose from one of three colors – blue, red or white – to match your tastes. And if you’re looking for the perfect gift to give to a fellow pet owner, the containers supplied by Paw Print Products are the perfect gift idea!

These perfect pet food containers are not available in stores but can be shipped anywhere in the US or Canada.  Go online at www.pawprintproducts.ca and shop for the custom dog food storage container for your pet today!

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How Do Hamilton Mortgage Brokers Help You?

Posted by samanthas on July 26, 2013 in Home Living Tips with No Comments


Hamilton mortgage brokerPurchasing a home is an exciting, exhilarating experience. It can also be a stressful one if you don’t have the right people helping you and working for you. A professional and experienced independent Hamilton mortgage broker can help you in many ways during the mortgage process. There are a variety of reasons to use an independent mortgage broker rather than getting your mortgage from a bank.

Reasons to Use an Independent Mortgage Broker

Mortgage brokers differ from loan officers at the bank in many ways. First of all, the loan officer at the bank works for the bank. As such, they can only sell you on their particular mortgage products, which may or not be in your best deal. In contrast, a mortgage broker works for you. For this reason, they will not try to sell you on a particular product or lender. Rather, they will search across many Canadian lenders on your behalf to find the mortgage that works specifically for you and your situation at the best possible mortgage interest rates.

Thanks to the relationship that their Dominion Lending Centres have with many lenders, they are able to find a mortgage package tailored to your needs in a short period of time. Your broker will sit down with you, gather all the information on your situation, your needs, and what you feel comfortable paying every month, and they will show you options that matches this criteria. Understand all your mortgage options including fixed vs. variable rates, accelerated payment schedules, lump sum payments, skip a payment and more.

Since the lenders are competing for your business, you are more likely to get a lower interest rate from a lender through your mortgage broker than from the bank. The bank is only able to offer you their rate. Brokers have access to lending products from banks, credit unions, trust companies, finance companies and even private lenders – making it easier for hard to place mortgages.  Mortgage brokers often have access to lending products not available to the general public In addition, your broker can even negotiate with the lender to see if the rate can even be dropped further down.

Your best bet is to work with a mortgage broker that has the knowledge, experience, and training necessary to get you the best Hamilton – Toronto mortgage package possible, which will fit in perfectly with your needs.  You only have to fill out one application and they help you find the right mortgage – all at no cost to you.  Call for your free and confidential consultation today at (905) 847-6611.

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Enjoy Your Summer With An Affordable Above Ground Pool!

Posted by samanthas on July 10, 2013 in Home Living Tips with No Comments


Above Ground Pools – The Perfect Backyard Getaway

Who doesn’t enjoy a good dunk in the pool now and then? And how many kids do you know who wouldn’t love to spend countless summer hours frolicking in the pool with their siblings or friends? Having your own pool can certainly provide a lot of fun and convenience for you and your family so can really enjoy every minute of the warm summer months.

Buy Trevi Above Ground Pools Above ground pools are the perfect solution for the family who wants to enjoy their backyard but might not have the funds to install an in ground pool. In these cases, above ground pools can be the perfect budget-friendly option for those who don’t necessarily want to break the bank with an expensive in ground model.

Not only that, but above ground pools are much less invasive, and are portable in nature. You won’t have to dig out your entire backyard to fit a pool, which ends up being a permanent fixture. Instead, with an above ground model, you can have it installed within a day or two without having to spend weeks digging and building it. In addition, if you choose to move the pool to another location, all you have to do is fold it back up and take it wherever you happen to want it!

Buy Trevi Above Ground Pools From Spa Sauna Direct

When you’re ready to buy an above ground swimming pool, get yourself a high quality model from Spa Sauna Direct. One of the top pool manufacturers on the market is Trevi above ground pools, offering consumers sturdy, durable, long-lasting models that can be enjoyed for years to come. Spa Sauna Direct proudly supplies these top-quality pools, and offer free shipping right to your door. Call or go online at www.HotTubOutpost.com today and get your pool ready for the upcoming summer months!

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Tips for Filling Your Rental Properties

Posted by samanthas on July 1, 2013 in Business, Oakville Ontario Services with No Comments


carpet-maintenenace-company-oakvilleAre you a property manager or real estate professional who has properties that you are responsible for maintaining and keeping occupied? As a property manager, one of your jobs and responsibilities is to ensure that the properties you are in charge of are well kept and cleaned between tenants. Tenants will be more attracted to clean properties for rent. Units that retain stains and odors from the last renter will stay vacant longer.

Clean units simply reflect well on you and your business professionalism. For this reason, getting some outside help from a cleaning company can be a great advantage to have as a property manager or realtor. While regular cleaning gives units a surface clean, you need a deep down clean to really remove odors and stains in the carpets and tiles.  Look to a property management carpet cleaning service like Steam Works to take care of that element for you.

Steam Works has everything you need in a carpet and tile cleaning service. The experienced technicians with Seam Works use truck mounted cleaning equipment to deep clean carpets and other hard surfaces in your properties. They are certified and fully trained in all aspects of cleaning residences and commercial properties to help maintain the integrity and appeal of such units.  They also offer VCT strip and wax services for entries and common areas.

Their cleaning technicians use a highly specialized 12-step cleaning process for maximum stain removal, as well as the removal of allergy-related pollutants. Carpets, tile, grout, upholstery, mattresses and even exterior cleaning jobs are done with ease with Steam Works!  Rather than spend a lot of money replacing tile or carpet, have them do a heavy duty clean to renew and refresh the appearance of the flooring.  They can also change the grout color after a tile cleaning, giving the floor a newer look.

Steam Works offers property management companies and realtors special rates and services. The property management carpet cleaning services offered by Steam Works helps property managers and realtors keep their units clean and appealing, and that helps the occupancy rates! Call Steam Works today at: 905 334-2917 or visit www.steamworkscarpetcleaning.com.

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Self-Employed? Secure a Mortgage in GTA

Posted by samanthas on June 17, 2013 in Home Living Tips with No Comments


self-employed mortgage OakvilleThere are plenty of reasons why the banks turn home owner hopefuls down for a mortgage. Bad credit, low income, lack of adequate down payment and being self-employed are just some of the reasons why getting a mortgage with a traditional bank can be almost impossible. Canadian mortgage rules along with banks are becoming more and more stringent in their rules and criteria to provide borrowers with the mortgages they need to buy a home. Unfortunately, for many, getting this mortgage can be a real challenge, and can be a stressful situation for many.

In particular, if you’re self-employed, you may not have the adequate amount of history showing positive cash flow. You might be earning commissions that are not necessarily adequately identified at tax time. Many banks look at those who are self-employed as a big risk, particularly if the business is fairly new and is small in magnitude.

The good news is that looking to a bank is not the only option. Working with an independent mortgage broker can be the answer you are looking for to secure the mortgage you need. Brokers will look around at various lenders who are in the business of supplying mortgages to people who are self-employed. They understand your needs, and will look at things other than your financials and tax notice of assessments.

Many lenders will supply self-employed mortgage Oakville for Ontarians. Brokers will negotiate the best rate possible, and will help to arrange a mortgage package that best suits your needs and your situation.

If you’re in the Oakville and surrounding area, work for yourself and are looking for a self-employed mortgage Oakville, give Marcelle Tiqui a call at the House of Mortgage Experts. Marcelle is an independent mortgage expert with lots of experience dealing with hard-to-get mortgages, such as those for the self employed. Call her team today at (905) 208-7070 to get started securing your mortgage!

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The Effectiveness and Efficiency of Your Commercial Construction Project

Posted by samanthas on June 3, 2013 in Home Living Tips with No Comments


Any commercial construction project can be successful if the planning is done well ahead of time, and an experienced contractor is doing the work. It’s important to be extremely efficient during the building process, by being prudent with all costs including materials, resources, labour and so forth. Even permits and other legalities need to be dealt with in a time efficient manner in order to minimize costs. The longer time goes on waiting for permits, the more money is being wasted. After all, time is money.

Using a Reputable Commercial Construction Company in Greater Toronto

When it comes to designing, building and managing your commercial construction project, you need a company that has been around for a long time, and has the know-how and resources necessary to get the job done as efficiently and effectively as possible. Experienced construction companies will bring together a number of professionals, including architects, labourers and fine carpenters for a seamless process. Companies like these will be able to get the job done from start to finish, but can also perform set tasks if the project is being done in phases or is a renovation project.

commercial construction company MississaugaCommercial construction projects can include:

  • Fine Carpentry
  • Retail space planning and remodeling
  • Retail space design build
  • Commercial property renovations
  • Commercial property repairs
  • Showroom design build
  • Office renovations
  • Restaurant renovations
  • Project Management Services

Carcone Construction – Commercial Building Experts

If you have a commercial construction project that you need handled by the professionals, Carcone Construction has all the resources you need. This commercial construction company Mississauga has been in the construction business for nearly 30 years, offering their professional services to many satisfied customers. Whether you are building or renovating a restaurant, retail store, dental office, industrial warehouse or other business venue, you can trust Carcone Construction to take on the job and work within your time frame and budget. Call the professionals at Carcone Construction at (416) 953-5185 today!

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