27 Nov

Part Three: So You Think You Want to Own a House?


Posted by: Robert McCaw

The questions to ask when scoping out new homes

If you are hunting for your dream home or a house to get your family started or a house to down size to; whatever the reason it’s now time to assess your overall needs. This list will be different from the things you “want” in a home, for example you may “need” three bedrooms but also “want” central air. Your needs should trump your wants.

Since you’re in the planning stages it’s a smart idea to write out a wish list for things to look for when viewing homes. You may not be able to find a home with every item on your list but it’s sure worth getting as close as possible.

 Items to think about when purchasing a home;

Changing times

  • Where do you see yourself in five years? Ten years?
  • Are (more) children a possibility?
  • Do you have a stable job? Possibility of relocation?
  • Will you retire in this house? If so, is it senior friendly?

Size of your new home

  • How many rooms do you need? Will it accommodate new children? Office space?
  • How many bathrooms?
  • Do you want a bungalow? Two-story house? 
  • Do you need a garage? Other storage space?

The “want” list

  • Do we want a fireplace?
  • Does it have air conditioning?
  • Can you afford a house with a swimming pool?
  • How many spare bedrooms?
  • Carpet or hardwood flooring?

 Location, location, location

Finding the right house is hard enough but it also needs to be in the right spot. Choosing a location to settle down shouldn’t be decided over night. There are factors to consider to see if a certain neighbourhood fits your lifestyle needs.

Ask yourself…

  • What distance do I want to be from the city? Tip: Consider your job and commitments that bring you and/or your family into the city.
  • Are there good schools around? Tip: Research online and ask your real estate agent.
  • What kind of stores, parks and facilities are in the surrounding area? Tip: Take a drive and walk around and get a sense for what is available in the community.
  • Does it feel like a safe environment? Tip: Visit the neighbourhood at night as well as in the day.

Type of home

Your budget will likely dictate what kind of house you can afford but have in mind the type of home you want to purchase.  A pre-approval will help with this and this is something we can do for you.

 These are some of the types of homes you may look into buying;

  • Previously owned
  • Brand new (build it yourself)
  • Stand alone
  • Duplex
  • Row houses
  • Mobile
  • Apartment
  • Condominium

Final thought

As you can see, there is a lot to consider when purchasing a home; from sizing to whether or not you want carpet or hardwood flooring. Buying a home is major decision and you want to make the right one for your family; therefore, it’s best not to rush the process.

Stay tuned for our next entry on who to talk to when buying your home.



19 Nov

McCaw Mortgage Team Wants You To Win With Your Mortgage!


Posted by: Robert McCaw

Are you feeling lucky?

We at The McCaw Mortgage Team are proud to announce our sponsorship of the Napanee Stars Combo Tournament this year from November 23 – 25, 2012.

 mortgages, kingston, Toronto,belleville, napanee, ajax, cobourg, ottawa

For your chance to win, visit www.teamdon.ca to sign up. Those who enter could win one of three prizes; including a $500 shopping spree to a sporting goods store of your choice, a pair of Bauer Vapor 5.0 Hockey skates or a mystery prize package valued at $500!

Which prize are you going for? Can’t win unless you enter! Here’s how;

Team Don Details

  1. Visit www.teamdon.ca
  2. Input your province and other highlighted information
  3. Make sure to select  “Napanee District Minor Hockey League Association”
  4. Click submit and you’re off to the races!
  5. Contest winners will be contacted via email or phone

Our Bonus Giveaway

During this promotion we also have a bonus giveaway happening for new clients. If you fund a mortgage with the McCaw Mortgage Team, you’ll automatically receive a $500 shopping spree. Not bad right?

Look for Robert McCaw at the Napanee Stars Combo Tournament this November and good luck to all the teams, coaches and parents involved. It’s going to be a blast.

Give me a shout at 613 354-9037 to learn more about being apart of Team Don and our bonus giveaway.