Ontario Community Newspapers

Canadian Champion (Milton, ON), 23 Oct 2014, p. 80

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NThere Is no need ta wait until mortgage renewal to re-evaluate ltrs et noyu Otae ~iyour mortgage needs. There are many reasons people actlvely CHANGES IN FAMILY 1 can help dletermine your best options * review thelr mortgage before renewal. Sr>I~Ewhen It cornes ta managlng your debts. 111TRS ASDepending on thse stage or changes _________________ Have motaerates cagdsince In famly structure you may need to you've had your mortgage? If rates have lo tyu otaewe okn derese rfianln yurmotee at thlngs like maternlty or paternlty con sometimes offer long-term sM1 ¶ eae pyngfr nvestyo If you have questions about your current ta retire. 1 can heIp you determine Interest rate 1 cen help you determine if strategies ta make your current 11fr there Is any potentiel sevlngs. situations more comforteble. SJohn Cavan is an Approved Mortgage Planner with Mortga.ge Architects. Mortgage questions and concerns can be directed to Joh n Cavan't office, located at 14 Martin St., Milton. Joh n can be reached by phone. 905-878-7213 or 1,y email: john.cavan@mtgarc.ca. John Cavan t website is www.stressfreemnortgage.ca. Contact John today about pjour stressfree mortgage opportunities. There 's No Place LieHomie. Do you need a dugout or does your curoent dugout need a littie paint, new carpeting, wailpaper and fur-niture, or even a swimming pool? w sS I S wS Ilt usâr.g in yourareavisit leo e .id rc bdt fhI Mu s £ bi bB iWB- es subject to clunge mi aoy tm witoet notie oe OA C Mortizage 8Q787213' IA Arhfects wuIVEI a 1s wwwsresremrgago.ca es oa .0m~ 14 MuinSt., Milln,ON enlmM h w1t wmo O Renovate. a house to meet changing circumistances As homeowners progress through different life stages, wbat they need in a house may evolve at the same time. Be it a new addition, to the famifly, a change ii comne, or the need for a home office, there are a myniad. of reasons why a home may need to change to suit a new lifestyle. With four mn 10 Gen X Canadians sayingthat they see their current home as a1'orever' home (according to a recent TD poil) a reriovation cari be a smart way to ensure a house continues to meet ife's needs. "Homes play an important role i our lives," says Nupi Zubair, associate vice presi- dent of retail pmoducts at TD Canada Trust. "Renovating, rallier than moving, cari, be a good choice for those who love their current home, but realize it needs to grow with chang- ing ciutumstances. Some renovations niake finaricial sense, and cari potentiall[y save moriey in the long termn, or iricrease the resale value. Zubair points out that ir's important to hav a realistic idea of the opporwunity cost of an oenovation. This means comparing the expens of the reriovation agaunst the value it may ad, to, the home. Adding improvements such better windows or a more efficient heatin system, for instance, might end up saving dol lars mn the future. Some renovations, lik updated electrical wiring for example, ma mean a reduction in your insurance prein Lofor the Iediion ofRelEstateat Vww.I or to advertise here countact Diane Wolstmnholme 905-8 Our new Hot Listings product allows Realtors ta extend the reach of their print ads to include onlifle home buyers and sellers in their target market on Homefinder.ca, Canada's fastest growing real es-- - fate site. By sign- ing up for the Hot Listings program, your ad will ap- pear on Home- finderca In sever- j al hlgh profile ad spots including thé home page ef oHorneflnd&rca_ >search resuits in ethe «Hot Listing' dgallery _ s g 1- e y UrnS. "Tall< to an adviser and crunch the numbers together," Zubair advises. "If you decide to go ahead with a renovation, an adviser can help you choose the right finaricing option. A home equity ie of credit, for-instance, ailows you to use the equity mr your house to borrnw money for a renovation." wwwnewscanada com msloga M*.conpdnsdtlos 78-2341, x212 dianew@miftonoenadianchampion.com The Off. * To provide more visibility and drive qualified home buyers and sellers to your business, we've created a new program that takes your real estate ads and extend their reach to include targeted, online home buyers and sellers. You can feel confident your list- ing will be viewed by affluent in-market buyers and sellers, and your client can feel confident that you're mar- keting their home effectively. a We put your ad at the top of the search resuits in the 'hot listings' gallery, on the home page, and in other strategic places onHomeFinder. ca f0 get great visîbility online with our audience of 350,000 monthly unique visitors. Contat -l for ditails andmilaIIaIty: mmai Wolotuholm dImmw@ mIto mciIeIiip.com 98580-2841 Ext. 212 FInd a place to cali home. Litn Open Hose 6; 'p - VIEV-V- OUR ONLINE EDITION wwvv.insÎdehalton.com/printeditîon

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