Transform Your Home With the Help of A Professional Interior Decorator
Your Home is Your Sanctuary
Surrounding yourself in your home with decor that provides serenity and aesthetic appeal is important. You spend a lot of time and money on your home, so why not make it as pleasurable as possible to live in?
Many homeowners like to update their homes every so often to keep up with the latest trends and styles in interior design Oakville-Burlington. After a certain amount of time has elapsed, it’s only natural for certain elements in a space to become outdated, and lack functionality. That’s why it’s important to update your home as necessary to not only make your home as aesthetically pleasing as possible, but also to create an environment that you can be comfortable in at all times. Investing on your home also helps increase its value and makes it desirable when it comes time to sell.
Using A Professional Interior Designer
Calling upon the professionals in interior design is important. When you have problems with your wiring, you call an electrician. When you have problems with your pipes, you call a plumber. In much the same way, your interior designer should be called upon when it’s time to update your home.
Suzie Finley at Divine Home has the skills, creativity and vision necessary to create a home that has aesthetic appeal and optimal flow. She has the ability to create a space that is serene, more spacious, and much more welcoming for both you and your guests.
There are many things that go into a home’s redesign that you may never have thought of, including lighting, flooring, window treatments, furniture arrangement and even crown molding. Such changes can make a huge difference to the look and feel of your home.
Working within your budget, Suzie can create the perfect, ideal design for your home. Not only will it benefit you and your family, but it will also add a great deal of value to your home. Her services now include digital design services, so you can see what your transformation will look like ahead of time.
When it’s time to make some changes to your home, call upon the experts at Divine Home to do the job for you. Call (905) 466-2503 or visit www.divinehome.ca.
Become a Home Owner Despite Your Bad Credit
Is Your Bad Credit History Holding You Back From Becoming a Home Owner?
It seems that mortgage stipulations from traditional lenders are becoming stricter, following the guidelines set by the Bank of Canada. These days it can be almost impossible to get approved for a mortgage if you don’t have a perfect credit score and an abundance of liquid cash to put towards a down payment. In essence, becoming a home owner with bad credit is nearly impossible when going about it the traditional ways through banks or credit unions.
So what is one to do if you’ve got a poor credit rating and are serious about buying a home and in need of a bad credit mortgage Montreal? The answer is simple. Enlist the help of a team of experts who specialize in helping those with poor credit finally realize their dreams of becoming home owners.
Muxaro is a local, Montreal based company that specializes in helping people with bad credit become home owners. At Muxaro, they’re in the business of not only helping Quebecers buy a home, but also to improve their home buyers’ credit rating!
Muxaro has gathered a team of experts in every realm of the home buying sector, including real estate brokers, mortgage brokers, and financial experts. They will help you determine the price point of a home you can afford so you will be able to comfortably make monthly payments. In particular, they specialize in rent to own programs, where bad credit is rarely an issue and no large lump sum of money is needed to put towards a hefty down payment. You will, however, need a deposit and good income.
Instead of just paying rent to a landlord, a rent to own home program helps you to put a portion of your monthly “rent” payments towards building equity in your home! As you slowly build equity, you’ll also be repairing your credit rating at the same time.
Their mortgage experts will help you come up with a payment system that will help you reduce your overall debt and improve your credit score during the lease period. Once your “lease” period is over, you have the option to buy the home at a pre-agreed upon price, using your improved credit score and accumulated savings towards the down payment. If the value of the home increases above the agreed upon price, you will gained equity in your home before you even buy it!
Call or go online today at Muxaro.ca to find out more about how their team of experts can help you become a home owner in Greater Montreal! Call (514) 225-6706 to get started on the path to home ownership and financial security.
Rising Mortgage Rates Affects Alberta Home Buyers
Over the last few years, interest rates on mortgages have been at all-time lows. Lately, however, these interest rates are starting to slowly rise again. Locking in for 5 or even 10 years on a mortgage rate – is considered a prudent way to protect yourself before they rise further.
Due to the rise in rates, many Canadians are also doing they’re very best to pay off their mortgages as quickly as possible to avoid paying more interest. The longer it takes to pay off the mortgage, the more interest will be paid out over that period.
The U.S. Federal Reserve is partly to blame for the rise in interest rates. As bond rates rise, mortgage rates follow suit. The question of whether or not Ottawa needs to step into the Canadian real estate market is still debatable.
Fixed rate mortgages have risen from 3% to 3.5% for a 5-year closed mortgage. Although this may not sound like much, over the duration of a mortgage, this can will amount to quite a bit more interest paid. For example, a $400,000 mortgage at 3.5% with a 25-year amortization period translates into $1,997.09 in monthly payments, with $64,944.76 paid in interest over a 5 year term. Compare that to the same mortgage at 3%, to get $1,892.99 in monthly payments, and $55,477.30 paid in interest over the 5 year term. That’s a difference of almost $10,000 in interest paid over the 5 years.
According to chief executive of CAAMP, Jim Murphy, the impact of higher mortgage rates will most certainly negatively affect first-time buyers, particularly since entering the housing market is difficult enough with sky-high property prices. “All of these changes have impacted the first-time buyer,” said Mr. Murphy. “Now we are seeing rising rates and that will have an impact too.”
It’s extremely difficult to crack the market as it is, let alone with increasing interest rates. Although the real estate market may be affected, your best option is to work with a Calgary Lethbridge mortgage broker who can shop your loan over lenders across Canada to find you the best rates and terms – often saving you thousands in interest over the term of the mortgage. Since a mortgage broker works for you – not the bank – they can give you expert, unbiased advice – and it is free!
To have all your mortgage questions answered, contact Jim Black and his team at Mortgage Loans Alberta, (877) 394-9422, today.
Give the Best Pet Present With a Practical Personalized Gift!
If you are a pet lover, or have friends that have pets and are always wondering what to get them as gifts, why not provide them with a totally customized pet food container! Pet owners have a lot to think about when it comes to caring for their pets, including giving them the very best pet food possible. The food you feed you pets is crucial for providing them with the optimal level of vitamins and minerals. Often these foods cost a hefty price, and for this reason, you want to make sure that the food is kept fresh and safe for as long as possible.
One of the best ways to store pet food is in an airtight container that is made of good quality plastic. Paw Print Products is the perfect go-to supplier of good quality pet food containers that keeps food fresh and safe. Forget keeping your dog’s food in the bag in which it came, rolled up in the corner, making it vulnerable to going stale quickly and to insect infestation. With the food containers supplied by Paw Print Products, pet food will stay fresher for longer.
For the perfect personalized pet gifts for your friend’s beloved pets, order a container that is totally customizable to fit individual pets! At Paw Print Products, you can order a specific size and color container to match the size and tastes of the pets. You can upload a photo with the pet (or pet owner and pet) and their name or a caption so it is added directly to the bucket to truly customize the container and make it much more easily identifiable, plus a great keepsake.
Pet owners can trust the quality of containers supplied by Paw Print Products. They are made from 100% virgin plastic, come equipped with a durable metal handle, and feature an airtight lid that seals in the freshness. For the perfect, personalized pet gifts for your family pets and other pet owners, look no further than Paw Print Products pet food containers. Visit their website today at www.PawPrintProducts.ca and order yours for home delivery today!
Getting a Mortgage After a Divorce
Anyone who is in the middle of a divorce or separation, or knows friends or family members who have experienced this unfortunate situation knows how emotionally taxing this period of life can be. Obviously, parties enter into a marriage with the full intent of making it last forever; however, there are times when this simply is impossible. Not only is the process very difficult for the spouses that have decided to part, it can be especially challenging for children who finds themselves unwillingly in the middle of such a situation.
Getting the Mortgage You Need After a Divorce
There are usually many things that need to be settled on and divided after a marriage dissolves. This can include anything from the family home, investments and business assets. Generally speaking, the home that was once shared usually has to be sold and the proceeds divided among both parties. If not, one spouse usually needs a new mortgage to own the home on their own.
Moving into a home on your own and being solely responsible for its mortgage payments can seem overwhelming. This is why it’s crucial that you team up with a divorce mortgage broker Alberta that can help you move forward. The process can be somewhat complicated and is best handled by a mortgage professional with experience and access to the right lenders.
Making proper preparations during the separation process to get yourself a mortgage is a wise decision that can help you manage the entire situation of being approved for the necessary mortgage you will need to finance your new place. There are a number of roadblocks that you may not think of when it comes to this, which is why having the right expert team in place is essential. For example, in the eyes of the court, spouses of a marriage that has fallen apart are still seen as married unless proper legal documentation has been drafted up stating that you are either separated or divorced. Such a situation can have major impact on getting the mortgage you need for your own place.
If you are getting divorced and are seeking to divide your family home in hopes of getting your rightful proceeds to finance your own place, call on a professional mortgage broker like Jim Black and his team at Mortgage Loans Alberta to help you prepare your finances and begin your journey to sole home ownership. This team has helped a number of people just like you maintain financial independence after a divorce, and get the mortgage needed to buy their own place. Give Jim and his team a call today at Tel: (877) 394-9422. They are the hard to place mortgage experts in Lethbridge, Calgary, Medicine Hat, Red Deer and other areas of Southern Alberta.
Commercial Mortgage: Know Your Options
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
Typically, 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.
Don’t Waste Expensive Dog Food!
If 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.
Best 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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