Buying a new home?

ACTION POWER TEAM LTD. REAL ESTATE BROKERAGE 15-1420 Youville Dr., Ottawa ON • 613 837-3800

Tips and financial advice for buying a home

Sarsfield • $ 378,900

Navan • $ 599,000

Buying a first home is one of the biggest decisions a person will make during their lifetime. It is a process that needs to be followed with careful planning and consideration, never rushed. Find out everything you can on the subject of mortgages and home-buying. For example, you should know that having a mort- gage doesn’t always cost less than renting because a home owner must take into account both recurring and one-time expenses, such as municipal and school taxes, maintenance costs, property trans- fer duties, and legal costs. If you have done your homework and decided to become a home owner, the next step is to consult a representative at your finan- cial institution. Once you are clear about your assets and liabilities, you will be able to estimate an acceptable debt level. This should not exceed 40 percent of your gross revenue, including all your existing debts. DOWN PAYMENT In the past it was possible to borrow for a down payment, with a credit card, for example. This is no longer possible. That means you need to have accumulated some savings before getting into this type of acquisition. If you have an RRSP, it is possible to use that for

Beautiful 3+2 Bedroom on 1.06 acre lot. Spacious open concept living/dining area w/French doors overlooking large deck and backyard. New gourmet kitchen, newer roof and septic. Located on a quiet cul-de-sac with no rear neighbours a few minutes from the city with access to public transportation. In-Law suite possible income. MLS # 873126

Gorgeous Victorian style with wrap around porch backing on Golf course. 3 + 2 bedrooms. Superb home for entertaining inside and out w/gorgeous landscaped propertywithpergola&screenporch.Marble & oak floors. Main floor nine foot ceiling. Country kitchen with granite counters, walk in pantry. Professionally finished basement with sound proof ceilings. MLS # 880247

your down payment through the federal government’s Home Buyers’ Plan (HBP). HOME INSPECTION You’ve found the house of your dreams, but be careful! Following through with a decision to buy based solely on your feelings isn’t the best way to purchase a home. Have the house inspected before making an offer to buy, because if your offer is accepted you will be obligated to fol- low through with the transaction. Obviously it is to your advantage to work with a real estate agent who is subject to real estate law. He or she works for you and will be able to answer any of your questions con- cerning your purchase.

Renseignez-vous comment obtenir vos milles Air Miles ® lorsque vous achetez une propriété avec moi.

Bilingual sales representative Représentante des ventes bilingue

Cell.: 613 852-9304 Bus.: 613 837-3800 • Fax: 613 837-1007

Ask me how to gain Air Miles ® Reward Miles when you buy or sell a home through me.


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Maison de courtage Action Power Team Ltd.

12 Queen Street, P.O. Box 249, Crysler, ON K0A 1R0 tel.: 613 987-2117 •1 888 292-7098 Fax: 613 997-5661 Email: Luc Emmell Auto, home, farm and busines insurance, financial planning, life, disability and group insurance, critical illness and long term care insurance

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Claudette Leduc Représentante des ventes Service bilingue 613 371-3871

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