15 May

Vancouver’s City Square Mall sold for $225m

General

Posted by: Shahin Golestani

City Square Mall, located across from Vancouver City Hall, has sold for $225 million.

The nearly 250,000-square-foot shopping centre was purchased by Richmond-based Sun Commercial Real Estate Group (Suncom), according to a new retail market report by real estate firm CBRE.

The sales price was more than double its assessed value of $102 million. The 3.3-acre property is located within the Broadway Corridor Plan at 555 West 12th Avenue, just a block from the Canada Line Broadway-City Hall Station and the future Millennium Line Broadway Extension.

The property includes 50 retail units and two six-storey office buildings.

The mall lost its anchor tenant, Safeway, last year. The space has remained vacant since.

Suncom’s holdings include the Best Western Sands Hotel on Davie Street, Westwood Plateau Golf and Country Club in Coquitlam and Mylora Sidaway Golf Club in Richmond. The company did not respond to a request for comment on the acquisition.

 

By Tanya Commisso | May 9, 2019, 10:56am

Source: https://biv.com/article/2019/05/vancouvers-city-square-mall-sold-225m

24 Nov

Industrial spaces are Vancouver’s most desired commercial assets

General

Posted by: Shahin Golestani

A new study by the Altus Group found that industrial real estate is the Vancouver market’s most prized investment asset, far outstripping other commercial property types.

The Vancouver Flash Report 2018 stated that in the past 8 quarters, nearly 5 million square feet of new industrial space has been injected to the market – and even this did not appear enough to compensate for the red-hot demand, as overall vacancy rate in this asset class went down to the 2% range as of the first half of this year.

Altus warned that while an additional 3.9 million sq. ft. of industrial space was under construction as of mid-2018, this would comprise less than a year’s worth of supply if the average absorption rate since 2015 is taken into account.

The trend is also expected to push the market’s net rental rates, already well above those in other major cities, even higher.

Read more: Industrial space is the next gold rush

Industrial transactions more than made up for the losses in the office and retail sectors during the first half of the year. The hotel segment, which exhibited an increase of $124 million in investment activity, also contributed to the overall health of Vancouver’s commercial market.

Earlier this year, an analysis by CBRE Group Inc. reported that Vancouver was the strongest industrial real estate market across the world.

In particular, warehouses have been cited by the study as the main factor in the exceptional performance that helped the market’s lease rates grow by 29% annually in Q1 2018 – significantly outpacing the worldwide average increase of 3% during that quarter.

“Industrial previously was almost like a forgotten asset class,” CBRE Vancouver vice president and sales manager Jason Kiselbach told Bloomberg. “But we haven’t even scratched the surface of the demand that’s going to continue to grow and put more pressure on the industrial market.”

“These rising lease rates really speak to the strength of the economy — the growth in population, consumer spending.”

 

by Ephraim Vecina 15 Nov 2018
Source: https://www.mortgagebrokernews.ca/news/commercial-mortgage/industrial-spaces-are-vancouvers-most-desired-commercial-assets-250711.aspx

 

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24 Nov

Two downtown Vancouver office buildings acquired for $57.5M

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Posted by: Shahin Golestani

Two Class A office properties in Gastown and Yaletown have been purchased by Toronto-based Allied Properties Real Estate Investment Trust

Tanya Commisso Western Investor

November 7, 2018
Two Class A office buildings in downtown Vancouver have been acquired by a Toronto-based real estate manager and developer for $57.5 million.
Allied Properties Real Estate Investment Trust has entered into an agreement to purchase 151 West Hastings in Gastown and 1220 Homer Street in Yaletown.
The West Hastings property includes 38,511 square feet of gross leasable area, currently leased to co-work company Spaces until 2033. The Homer Street property is comprised of 21,708 square feet, fully leased to Perkins + Will Canada Architects until 2023.
“We’re increasing our penetration in urban Vancouver just as [Allied] is transitioning to a primary Canadian office market,” said Michael Emory, president and CEO for Allied Real Estate.
Yaletown sale has already closed, while the Gastown sale is expected to close on November 30.

Source: https://www.westerninvestor.com/news/british-columbia/two-downtown-vancouver-office-buildings-acquired-for-57-5m-1.23490808

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24 Nov

Self-storage sector demand moving upmarket

General

Posted by: Shahin Golestani

Lock-and-leave investment attracts bigger players and a push for high-end units

The Vaults in Calgary and soon in Kelowna: high-end storage features a clubhouse and units that start at $369,900, with enough room to stash your McLaren sports car | Vaults Development Corp.

It is no coincidence that two large self-storage facilities are close to Vancouver’s Olympic Village condominiums, where the demand for space is high and the homes are small.

The challenge, as in cities across Canada, is too much stuff and too little space.

The answer for a growing number of people is self-storage, and this has created one of the fastest-growing and diversifying subsectors of the commercial real estate market.

Self-storage in Canada is now an $840 million industry that experienced an annual growth rate of 7.3% from 2012 to 2017, according to independent research firm IBISWorld.

The potential is apparently enormous if the U.S. – the world leader in self-storage – is an indication.

“Despite recessions and demographics shifts, the self-storage sector has been beating all other major commercial property types with regards to earnings and stock performance,” noted U.S.-based Investor Management Services Ltd. in its 2018 outlook for the self-storage business in the U.S., where the sector posts US$38 billion in annual revenue and is growing by 3% a year.

Equate that to Canada and self-storage could expand into a $3 billion industry.

There are a number of trends – not all positive – that will affect the future self-storage business.

The positives include increased demand for storage by urbanites living in condominiums, a sector that now dominates residential real estate in most Canadian cities; the baby boom sector downsizing and putting possessions in storage; the rise of e-commerce and the resulting need for easily accessible storage facilities; storage demand from commercial firms; and the need for space for people to store boats, cars, motorcycles, snowmobiles and other toys.

The negatives include shrinking demand for storage due to technological advances, such as digital photography, digital files and digital books; smaller, cheaper electronics; and the trend toward minimalism and de-cluttering, which could reduce the storage needs for some consumers.

But, according to a recent Los Angeles Times study, the average North American house has about 300,000 items, and the children living in those homes have half the toys and books on the planet. De-cluttering, therefore, is perhaps more a dream than a trend.

Typical rent for a self-storage urban unit in Canada ranges from $1.75 to $2.50 per square foot, which is equal to a typical apartment rent in Burnaby. In core Vancouver neighbourhoods, storage rents can reach $3.75 per square foot, and average $2.95 per square foot. In smaller towns, rents are more likely to be around $1.40 per square foot, insiders said, but capitalization rates can top 6%, twice as high as Vancouver’s apartment rental sector.

There are approximately 1,800 self-storage companies in Canada, but bigger players are absorbing many traditional mom-and-pop operations. Toronto-based Storagevault Canada Inc. (TSX-V:SVI), which has a $935 million market cap and is the only Canadian storage company listed on the Toronto Stock Exchange, has spent a reported $800 million over the past two years buying up more than 100 of its competitors across Canada.

A potentially profitable direction toward higher-end storage is Calgary-based Vaults Development Corp., which is opening a second facility in Kelowna. Its flagship Calgary facility stores luxury autos, recreational vehicles, boats and other high-end toys.

“Our first units sold for $329,900 and are currently $369,900 and $379,900,” said Vaults spokesman James Murray. “We don’t rent space.”

The company’s largest Calgary unit is offered at $899,900. Common areas include an on-site clubhouse and a large wash bay. In Kelowna, Vaults is building a luxury storage facility with 19 units ranging from 1,677 square feet to more than 4,600. Prices start at $399,900, and Murray said pre-sales are now underway.  

Source: https://biv.com/article/2018/11/self-storage-sector-demand-moving-upmarket

 

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Large Construction, Development & Land Loans |
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23 Nov

Canada’s commercial market promises an even stronger 2019

General

Posted by: Shahin Golestani

By all current indications and trends, interest and investment volume in Canada’s commercial real estate market will enjoy a strong 2019, a new report from Morguard Corporation assured.

In its 2019 Canadian Economic Outlook and Market Fundamentals Report, Morguard stated that the commercial segment’s attractiveness to a wide range of investors will remain its key feature well into the next year.

“Over the past 18 months, investors placed capital into the market with confidence, resulting in record-high sales volume. The market shows no signs of slowing, as investors continue to show interest in core and core-plus quality properties with strong tenant profiles in Canada’s major urban centres – while site intensification and repositioning opportunities continue to shape the Canadian real estate landscape,” Morguard director of research Keith Reading said.

Among the main drivers of this strength would be the Canadian economy, the steady expansion of which will foster a healthy labor market and growing consumer spending.

“Sustained economic expansion over the next few years bodes well for the Canadian commercial real estate sector as a service provider to the economy. Canadian commercial property sales activity will remain robust over the near term, against a backdrop of positive overall sector performance,” Morguard explained in its report brief.

Read more: More commercial opportunities coming with other pot products

Demand will continue to outpace supply in the top-performing office and industrial sectors.

“For the office asset class, the mature phase of the cycle was extended, resulting in a record high pace of investment during much of 2018. Industrial property investment trends were also generally bullish, as the asset class placed first in terms of market performance during 2018.”

Capital flow into the multi-suite residential segment, which reached new heights this year, will remain healthy in 2019.

“The national vacancy rate is expected to hold at or near the cycle low, resulting in modest upward pressure on monthly rent averages. Demographic shifts, housing conditions and migration patterns will continue to boost rental demand, while low levels of new construction activity will provide little relief from the shortage of vacant units available for prospective renters.”

Retail spaces, which remain among the heaviest hitters in terms of consistent performance, will also enjoy a good 2019 despite mixed leasing volume and greater industry risks.

“While retail sales growth continues to moderate, properties with development or repositioning potential are expected to generate strong interest among the investment community looking ahead to 2019.”

Construction is due to begin by the end of 2019.

Article by Ephraim Vecina 22 Nov 2018
Source: https://www.mortgagebrokernews.ca/news/commercial-mortgage/canadas-commercial-market-promises-an-even-stronger-2019-250988.aspx

Thinking about buying a business, expanding your existing business, buying a land or property acquisition? Contact me and get a second opinion on your financing options for BUSINESS ACQUISITION & COMMERCIAL LOANS | EQUIPMENT LEASING | COMMERCIAL LINE OF CREDIT | CONSTRUCTION & LAND ACQUISITION, INFRASTRUCTURE & INDUSTRIAL LOANS |

Contact
Email: shahingolestani@dominionlending.ca
778-231-9879

We help individuals and companies with borrowing needs between $500,000 and $200 million. We specialize in: Term loans, Operating loans, Construction loans, Lease financing.

From $500,000 to over $200 Million COMMERCIAL LOANS, FINANCE & REFINANCE for Major INDUSTRIES:
Construction | Commercial Real Estate | Infrastructure | Mining & Metals | Petroleum, Oil & Energy | Cannabis | Pharmaceutical | Telecommunication | Hospitality, Hotel, Motel, RV Park & Camping Sites) | Hospital & Health Care | Farming & Agriculture | Civil Engineering | Mechanical or Industrial Engineering | Electrical Power | Education | Transportation, Trucking, Railroad | Warehousing , and more.

COMMERCIAL LOANS
New Purchase, Merger & Acquisition | Refinancing & New Financing | Equipment Leasing & Finance |
Commercial Buildings | Hotels and Motels | Offices and Medical Buildings
Plazas and Shopping Centers | Multi-Family Residential | Subdivision Servicing |
Industrial Buildings | Condominium Conversion Projects | New Residential
Condominium Construction Builder Inventory loans |Seniors Housing | Long Term Care Facilities | Development Lands | Apartment Buildings

CONSTRUCTION, DEVELOPMENT & LAND LOANS
Large Construction, Development & Land Loans |
Condominium Construction Loans for low, mid and high-rise |
Single Family and Townhome Projects Loans |
Construction of Single or Multi-Tenant, Commercial Buildings such as Retail, Industrial, Office, Storage, Hotel,Multi Unit Residential |
Commercial Mortgages on Investment Properties |
Subdivision Servicing |
Condominium Conversion Projects |
Condominium Construction Builder Inventory loans |
Development Lands |

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22 May

Why We Chose a Mortgage Broker

General

Posted by: Shahin Golestani

 

Why We Chose a Mortgage Broker

For Arthur Dubreuil, the recent purchase of his new house will sound like a similar story for many homebuyers. Looking to upsize to meet the needs of his growing family, the Toronto area resident looked east outside the city for a more affordable option. What he found was a perfect affordable 2,000 square-foot home on an acre of land in the community of Cobourg, Ont.
“The price point and what you get for the value moving out of the city… we couldn’t have something like that in the city,” Dubreuil said. So when it was time to get financing, he turned to a trusted source, a Dominion Lending Centres mortgage professional he used in the past.

With the help of a mortgage broker, Dubreuil was able to move in to his new home at the beginning of the year. And with a three year-old son getting ready to start school soon, he figures his family will be in their new home for many years to come.

Q: Why did you chose a mortgage broker?
A: I got pre-approved at the bank before I did anything. The interest rates were higher with the bank then by choosing my mortgage broker. I used my broker prior with my last home when I got my first mortgage. It seems like things are a lot clearer using a broker rather than using a bank. They’re [the banks] not very forthcoming. When I went to the bank they were telling me all these different things, basically the mortgage and rate were not negotiable. My broker found me the cheapest rate he could find. He actually got me a better rate.

Q: How was your experience working with a mortgage broker?
A: It was good. I had no issues, everything was professional. He was very straightforward with me, especially when it came to details about buying a house. Especially with these new rules and regulations put in place. He talked me through what my options were, and it worked out well.

Q: What advice would you give someone I your situation?
A: I just gave my buddy some advice, he’s doing the exact same thing but buying his first home. I told him everything you need to do. Clear away any debts and speak to everybody before you actually make a choice of what you want to do and get a mortgage. Go through your options rather than not. A lot of people just stick with the banks because they’re big and they’re trusted.

By Jeremy Deutsch Communications Advisor https://dominionlending.ca/news/why-we-chose-a-mortgage-broker/

 

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22 May

The Statement House – Our House Magazine

General

Posted by: Shahin Golestani

The Statement House – Our House Magazine

Iseela Ibrahimi wanted wow. The successful Dominion Lending Centres mortgage broker had purchased numerous homes in the past, but she wanted her latest home in Caledon, Ont. to be something special.

Ibrahimi bought the brand new 4,500 square-foot home in 2014, but quickly had her heart set on a major renovation.
“I knew the end product from a typical builder would never make me happy,” she said. “I wanted to create something that, no matter what your style is, it would still have that statement and it would still have that wow factor.”

By 2016, she was ready to take her vision to the next level. While Ibrahimi had a keen eye for design, it wasn’t her expertise. So she partnered with Oakville designers Parkyn Design to turn her ideas into a reality. What followed was a stunning transformation. Instead of cookie-cutter, Ibrahimi got a completely custom high-end look. From the front foyer all the way to the bedrooms, Ibrahimi said she got the flow she wanted, calling it “transitional but classy at the same time.”

“They’ve nailed it for me,” she said of the work by the design team at Parkyn, adding they brought what was in her mind to life. She also added it was important the design was going to stand the test of time. The renovation took five months to finish, but Ibrahimi pointed out the complete transformation, including the furniture, wasn’t really done until the end of 2017.

Pictures of the redesigned home have found their way onto the popular design website Houzz and are getting a little bit of buzz. While Ibrahimi admits it may not have logically made sense to renovate a near brand-new home, she said it was a personal decision. And now having time to settle in, she couldn’t be more satisfied with her decision.
“The whole point of this was you can still create what you want to create as long as you’re OK with where you are.”

By Jeremy Deutsch Communications Advisor  https://dominionlending.ca/news/the-statement-house-our-house-magazine/

 

 

Planning to Purchase a Home?
Turned Down For a Mortgage?
Need to Make Home Improvements?

Need Debt Consolidation Loan?

Call me at 778.231.9879 or email shahingolestani@dominionlending.ca to learn about your options

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consolidate multiple monthly bills into one!

  • Mortgage for Self – Employed / and Business Owners who have trouble meeting the criteria of traditional lenders

1 Apr

B.C. commercial real estate investment up 83% year-over-year

General

Posted by: Shahin Golestani

Real estate sales over $5 million hit a new dollar volume high in 2017, led by institutional buyer demand

Tanya Commisso Western Investor

March 22, 2018
pacific centre

 

B.C.’s commercial investment value set a new record-high of $7.5 billion in 2017 – up nearly 83 per cent over 2016’s $4.1-billion value.

A new year-end investment review from Avison Young Commercial Real Estate notes commercial real estate deals and dollar volumes have continued to rise astronomically since 2015. Avison Young cites a number of reasons behind this acceleration – primarily a divergence of market opinion between vendors and purchasers that has led to more assets for sale by owners and more demand for purchase among investors.

The report tracks B.C. office, industrial, retail and multi-family property transactions greater than $5 million. Two hundred and thirty property sales were recording in 2017, versus 147 in 2016.

2017 property sales continued to be led by redevelopment potential, regardless of asset class.

“Ongoing price appreciation in all asset classes is being driven almost exclusively by land value and redevelopment potential,” says Bob Levine, principal for Avison Young. “The acquisition of retail assets has morphed in many cases into land deals with lesser consideration or interest for the income in place or the retail asset itself.”

Private investors accounted for 87 per cent of transactions in 2017 but only 46 per cent of dollar volume. Institutional buyers accounted for the other 47 per cent of dollar volume recorded in 2017. Institutional buyers were involved in most high-profile transactions of the year, including Cadillac Fairview’s downtown Vancouver office portfolio, Pacific Centre shopping mall, Oakridge Centre and Solo District office sales in Burnaby.

Retail sales in B.C. claimed the largest portion of sales dollar volume, claiming 48 per cent or $3.6 billion of 2017’s 7.5 billion investment total.

The year’s single biggest transaction was the $1.9-billion sale of Pacific Centre and surrounding office towers. It was B.C.’s second commercial real estate deal to surpass $1 billion, following the $1.05-billion sale of Bentall Centre in 2016.

Avison Young do not anticipate a billion-dollar transaction in 2018 and believes institutional buyer demand will slow, leading to an annual dollar volume decrease.

 Source: http://www.westerninvestor.com/news/british-columbia/b-c-commercial-real-estate-investment-up-83-year-over-year-1.23210035

Residential, Construction, Commercial

Expert in commercial real estate, our dedicated Commercial and Construction team have originated well in excess of two billion dollars in commercial mortgage transactions and refinance. Our Commercial and Construction team arrange interim, construction and long-term financing for all types of commercial real estate, including commercial construction, shopping centres, industrial buildings, multi-family apartment complexes, Hotels, health care facilities, subdivision development, office towers and non-real estate business financing for acquisition or recapitalization purposes, with the best possible structure, terms and rates.

We speak English, French, Chinese (Mandarin and Cantonese), Italian, Persian, Farsi and Indian.
Shahin Golestani, M.A. Economics
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Phone: 778-231-9879
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6 Mar

CMHC study looks at rising home prices in Canada

General

Posted by: Shahin Golestani

Canada Mortgage and Housing Corporation (CMHC) released a new study – Examining Escalating House Prices in Large Canadian Metropolitan Centres. The analysis shows that strong economic and population growth, together with low mortgage rates, have been important drivers of house price growth in Canada. As well, it also shows that the supply response has been weaker in Toronto and Vancouver, than in other Canadian metropolitan areas.

“While it is true that the supply response in Toronto and Vancouver has been significantly weaker than in other Canadian metropolitan areas, we do not fully know why this is the case,” said Evan Siddall, CMHC President and Chief Executive Officer. There continues to be data gaps and we need to work more closely with jurisdictions at all levels to fully understand what is happening.”

The report looked at data from Toronto, Vancouver, Montreal, Calgary and Edmonton from 2010 to 2016. These cities show marked differences in the growth of their prices. While Toronto and Vancouver showed large and persistent increases in prices, there was only modest price growth in Montréal. Despite softer local economic conditions, home prices rose slightly in oil-dependent Calgary and Edmonton.

“Large Canadian centres like Toronto and Vancouver are increasingly behaving like world-class cities. Their strong local economies and historically low interest rates make them attractive to both people and industry which drives up demand for housing,” said Aled ab Iorwerth, CMHC Deputy Chief Economist. When you have weak supply responses, as you do in these markets, prices have nowhere to go but up. Alleviating these pressures lies in finding ways to increase supply and that is a shared job for jurisdictions at all levels.”

Key report findings:

• House prices increased by 48% in Vancouver from 2010 to 2016 with conventional economic factors such as growth in population and disposal income, as well as low mortgage rates accounting for nearly 75% of that rise.

• House prices increased by 40% in Toronto over the same time period with 40% of the rise being explained by conventional economic factors.

• Price increases have tended to be greater for more expensive single-detached housing, rather than for condominium apartments.

• Supply responses have been proportionately greater for condominium apartments than for single-detached housing.

• Investor demand for condominium apartments has increased. In turn, this increase lifts the supply of rental properties, but these units tend to be more expensive than units from existing purpose-built rentals. There appears to be a wider prevalence of mortgage helpers as well.

• Measures targeted at alleviating supply challenges are more likely to have positive impacts on high-priced markets than measures focused on the demand side

The report represents one of the most thorough examination of house price patterns ever completed in Canada and is the result of advanced, data-driven analyses and engagement with stakeholders and government partners.

As Canada’s authority on housing, CMHC contributes to the stability of the housing market and financial system, provides support for Canadians in housing need, and offers objective housing research and information to Canadian governments, consumers and the housing industry.

For more information follow us on Twitter, YouTube, LinkedIn and Facebook.

Christina Haddad is the Vice-President of Public Affairs at Canada Mortgage and Housing Corporation. For inquiries call 416-218-3362 or e-mail publicaffairs@cmhc.ca

Source: http://ottawasun.com/life/homes/cmhc-study-looks-at-rising-home-prices-in-canada

 

 

 

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We speak English, French, Chinese (Mandarin and Cantonese), Italian, Persian, Farsi and Indian.

房屋及商業貸款,買地及建築貸款,商業器才租賃

(我們能說國語及廣東話)

Shahin Golestani, M.A. Economics
Mortgage Broker (Residential, Construction, Commercial)
Phone: 778-231-9879
http://shahingolestani.ca/
shahingolestani@dominionlending.ca

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1 Mar

4 Signs You’re Ready For Homeownership

General

Posted by: Shahin Golestani

4 Signs You’re Ready For Homeownership

While most people know the main things they need to buy a home, such as stable employment and enough money for a down payment, there are a few other factors that may help you realize you’re ready, perhaps even earlier than you thought!

As a mortgage broker, it is my job to ensure that each one of my clients is getting the best service I can provide. Part of this means educating as much as possible when it comes to buying a home, which is why I’ve put together a list of 4 signs that may tell you that you are ready to become a homeowner.

You should have more funds available than the minimum of a down payment
This one may seem obvious, but it’s something that people may not realize until they actually think about it. It’s very difficult to afford a home if you only have enough money for a down payment and then find yourself scrambling for day-to-day living after that.

If you have enough money saved up (more than the minimum needed for a down payment), you may be ready to start house-hunting.

Your credit score is good
This might seem obvious at first glance, however, if you don’t have a good credit score, chances increase that you could be declined altogether or stuck with a higher interest rate and thus end up paying higher mortgage payments. If you have a less-than-optimal credit score, working with a mortgage professional can help you get on the right track in the shortest time possible. Sometimes a few subtle changes can bump a credit score from “meh” to “yahoo” in a few short months.

Breaking the bank isn’t in your future plans
Do you plan on buying two new vehicles in the next two years? Are you thinking of starting a family? Are you considering going back to school?

Although you may think you can afford to purchase a home right now, it’s extremely important to think about one, two, and five years down the road. If you know that you aren’t planning on incurring big expenses that you need to factor into your budget anytime soon, then that’s something that may help you decide to buy a home.

You are disciplined
It’s easy to say, “it’s a home, I’m going to have it for a long time so I may as well go all-in!”. While that would be nice, that’s rarely the case!

You must have a limit that you’re willing to spend. Sitting down with a mortgage broker or real estate agent and analyzing your finances is crucial. It’s important that you know costs associated with buying a home and what the maximum amount is that you can afford without experiencing financial struggles. IMPORTANT: This is not the amount that you are told is your max!

This is the amount that you calculate as your max based on your current monthly budget and savings plan. It’s quite frequent where I have clients tell me that their max budget is, say, $1200 and then when I run the numbers they could actually be approved for much more. Low and behold suddenly these guys are looking at homes that are hundreds of dollars a month higher than their initial perceived budget. It is up to you (with my help or pleading, when necessary) to reel things back in and make sure that you aren’t getting into something that affects the long-term livelihood of a well thought out budget or savings plan.

Conclusion

These are just four signs that you may be ready to purchase a home. If you’re seriously considering buying or selling, talking with a Dominion Lending Centres mortgage broker, such as myself, can help put you on the right path to a successful real estate transaction.

 

Article by Shaun Serafini

Dominion Lending Centres – Accredited Mortgage Professional https://dominionlending.ca/news/4-signs-youre-ready-homeownership/