What You Need for Your New Home

 

Your New Home

 

Aside from the budget to buy a new home, you might also have to create your budget for the things to purchase for your new home. 

A lot of first time homebuyers, after several days of waiting for the approval of their mortgage and signing piles of documents that no one reads because if you do not sign, you do not get the loan, could think a major hurdle has passed once closing finally occurs. 

With the keys in your hands, you open your new home’s front door. You are very excited. However, it’s where you stop dead in your tracks asking yourself why your new home looks so bare. It is when the time that you realize you need a lot of other things to buy for your new home.

You probably haven’t thought about the things you’ll need to purchase for a new home that you didn’t need in your previous apartment. This news will come as a shock to numerous first time home buyers. Therefore, if you are planning to buy new things for your new house, here are some ways on how you can save some money:

Locks and Keys

The very first thing you must do is changing door locks or rekeying. If its previous sellers were like others, the friends, neighbours, and co-workers might have a set of the keys to your home. Even the new home builders give out some keys to the contractors. It is smart to change locks and install deadbolts if possible.

Garden Supplies

Each home requires a garden hose. Buying garden supplies at low prices can help you enjoy savings. Just do not forget about trowels, weed-whackers, hoe or shovels. Push broom comes in handy whenever you are sweeping garage floor, plus handle unscrews so you may use this as an extension pole with wall sander. Consider watering can and wagon or wheelbarrow.

Lawnmower

Unless you’re planning to hire gardeners or your yard is basically filled with drought resistant vegetation or rocks, you’ll require purchasing lawnmower. A lot of homes don’t have lawns. If you bought a new home without a lawn, you don’t have to worry about this item.

Repairs Items and Tools to Purchase a New Home

Each home requires a tool box that is well-stocked. Some of the important items are tape measure, staple gun, nail driver, small drill bits and power drill, basin wrench, plumber’s wrench, pliers, hacksaw, hammers, and assorted screw drivers.

Equipment for Snow Removal

If you reside in a place that snows, you will need something to remove it. A lot of cities provide homeowners a particular period of time to get rid of snow and you might be cited once you don’t. Aside from clearing the driveway, you should also remember the front steps and sidewalks. The snowblowers are a bit expensive. However, you may find used snowblowers online that are cheaply priced. If snowblowers aren’t in your budget, using snow shovels, bag of salt, and ice chippers may come in handy.

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First Time Home Buyers in Kelowna BC– Common Mistakes to be avoided

 Kelowna Realtor

Home Buyers Common Mistakes to be Avoided

Buying a home for the first time in British Columbia is a big choice and will be one the biggest financial decisions you’ll ever make. However, despite this, buying a home is essential and will benefit you if you are a  buyer who is moving out of rented property. Owning your own home gives you freedom and stability, and allows for other luxuries such as pets, which may have not been allowed if you were previously renting. Regardless of the benefits though, there are still a lot of speed bumps when buying a home for the first time and it is important to know the common mistakes individuals make, so you can plan ahead to avoid them. This article will lay out mistakes to be avoided so you have an easier time when purchasing your first house.

Know your Spending Limits

More often than not, first time home buyers will not count and prepare their budget correctly and are more likely to overestimate how much they can afford. Unfortunately, what the bank says you can afford and what you actually can afford are different things, and you should accurately measure your monthly/annual spending and subtract it from your “take-home” money, which should give you a rough estimate of what your home buying budget is. It should also be noted that this should be done before you go searching with a Kelowna Realtor as Kelowna first time home buyers home buyers tend to get attached to properties out of their budget, which can lead to a strained bank account.

Get Pre-Approved for a Mortgage

This is an essential step missed by many first time home buyers and may lead to you being unable to purchase a property altogether! Make sure you know exactly what the bank can give you and maintain a good credit score, as your dream home may be significantly more expensive than your available mortgage. Furthermore, even if your bank pre-approves you for a loan, it can fall through last minute if the bank notices any fluctuations in your credit score. In this case, you can lose thousands if you had made an offer and signed a contract.

On the note of mortgages, British Columbia offers a program for first-time buyers where they can reduce or eliminate the property transfer tax that is taken when purchasing a property. You can qualify for this through being a Canadian citizen who has lived in British Columbia for a considerable amount of time, and who has never owned a property or been given a property tax exception.

Just Choose Already!

One of the main issues with first-time buyers is that they are too picky with their first home, and often their dreams fall behind their reality. However, saying this, it is good to have some vision in what you want and do make sure you have a home “wish list” that you fill up. Just don’t spend any more time renting than you need too, especially if you have found an adequate home already. More often than not, you will probably have to do some renovations or purchase some new wall paper, but this is standard for many first time buyers. Continue paying rent until you have all the items on the list, and make the decision to become a homeowner now, rather than later.

Make Sure Additional Expenses are covered

When you rent a house you only pay the bills and you leave the mortgage, property insurance and tax to the landlord. When you own your own home, purchasers often forget about the additional expenses, such as tax, property insurance and repairs. In addition, if you are purchasing something like a Condo, you will have to pay mandatory maintenance bills, regardless if you require maintenance or not.

Conclusion   Buying a home for the first time is an important act and one that has to be approached with caution. When buying a home for the first time in British Columbia, make sure you avoid these mistakes. Remember to formulate an accurate budget and make sure you have been pre-approved for a mortgage before making any offers. In addition, don’t be picky about your first home, renovations can always be made and renovations are often cheaper than buying higher value properties. Finally, make sure you understand the additional expenses of owning a home, such as tax, insurance and repairs.

 

 

 

Heritage homes

Relocation To Austin Heritage Homes

If you have ever thought of a transfer to Texas, you may well be remiss if you overlook the astonishingly beautiful solutions offered by Austin and the encompassing regions. Why is Austin so beautiful? Perfectly, that is an reply that will take a bit of time. For starters, Austin is found along the lovely Colorado River in the Texas Hills Region. The natural beauty of this spot is tough to conquer anywhere in the environment. These lovely hills are house to some of Austin’s most magnificent residences which have wonderful views of the city and the bordering countryside.

The fantastic small business natural environment that is dependent in the the fields of technological know-how. The Austin location has followed in the footsteps of Silicon Valley and has come to be identified as the Silicon Hills. This nexus of the know-how field has presented Austin with a great atmosphere for expansion and growth while guaranteeing the steadiness of Austin’s financial system and true estate sector.

An additional point to consider relocation to Austin is the phenomenal actual estate value that is possessed by residences and attributes in the Austin space. In  fact, properties in Austin are priced about fifty thousand dollars less than the national median.This translates into excellent chance for prospective house potential buyers. Also, the residences that make up the true  picture in Austin are of fantastic high quality and it is possible to obtain some awesome heritage homes in the attractive Victorian style that was popularized in the early 1900’s. There is also a great range of new and fashionable households and incredible condos and lofts out there in a lot of price tag ranges.

With this sort of a stable genuine estate market place, the providers that are offered by Austin have developed with the elevated need. Austin is property to good academic providers and public utilities. All of these things have put together to give Austin the secure base necessary to display consist ant expansion and balance in the actual estate market place.

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