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Stop Paying Rent!

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How to Stop Paying Rent and Own Your Own Home

 

Don’t pay another cent in rent to your landlord! 

 

It’s a dream we all have – to own our own home and stop paying rent.  But if you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours.  How could it when you’re not even permitted to bang in a nail or two without a hassle?  You feel like you’re stuck in the renter’s rut with no way of rising up out of it and owning your own home

Well, don’t feel trapped anymore!  It doesn’t matter how long you’ve been renting, or how insurmountable your financial situation may seem.  The truth is, there are some little known facts that can help you get over the hump, and transfer your status from renter to homeowner.  With this information, you will begin to see how you really can:

– save for a down payment

– stop lining your landlord’s pockets, and
– stop wasting thousands of dollars on rent.

 

6 Little Known Facts That Can Help You Buy Your First Home

 

The problem that most renters face isn’t your ability to meet a monthly payment. Goodness knows you must meet this monthly obligation every 30 days already. The problem is accumulating enough capital to make a down payment on something more permanent.

But saving for this lump sum doesn’t have to be as difficult as you might think.  Consider the following 6 important points:

You can buy a home with much less down than you think.

There are some local or federal government programs (such as 1st time buyer programs) to help people get into the housing market.  You can qualify as a first time buyer even if your spouse has  owned a home before as long as your name was not registered.  Ensure your real estate agent is informed and knowledgeable in this important area and can offer programs to help you with your options.

You may be able to get your lender to help you with your down payment and closing costs.

Even if you do not have enough cash for a down-payment, if you are debt-free, and own an asset free and clear (such as a car, for example), your lending institution may be able to lend you the down-payment for your home by securing it against this asset.

 

You may be able to find a seller to help you buy and finance your home.

Some sellers may be willing to hold a second mortgage for you as a “seller take-back.”  In this case, the seller becomes your lending institution.  Instead of paying this seller a lump-sum full amount for his or her home, you would pay monthly mortgage installments.

 

You may be able to create a cash down payment without actually going into debt.

By borrowing money for certain investments to a specified level, you may be able to generate a significant tax refund for yourself that you can use as a down-payment.  While the money borrowed for these investments is technically a loan, the monthly amount paid can be small, and the money invested in both home and investment will be yours in the end.

You can buy a home even if you have problems with your credit rating.

If you can come up with more than the minimum down-payment, or can secure the loan with other equity, many lending institutions will consider you for a mortgage.  Alternatively, a seller take-back mortgage could also help you in this situation.

 

You can, and should, get preapproved for a home loan before you go looking for a home.

Preapproval is easy, and can give you complete peace-of-mind when shopping for your home. Mortgage experts can obtain written preapproval for you at no cost and no obligation, and it can all be done quite easily over-the-phone.  More than just a verbal approval from your lending institution, a written preapproval is as good as money in the bank.  It entails a completed credit application, and a certificate which guarantees you a mortgage to the specified level when you find the home you’re looking for.

 

 

Consider dealing only with a professional who specializes in mortgages.  Enlisting their services can make the difference between obtaining a mortgage, and being stuck in the renter’s rut forever. Typically there is no cost or obligation to enquire.

To sum up, there are many important issues you should be aware of that affect you as a renter.  Why on earth would you continue to lose thousands by throwing it away on rent when with your agent you could take a few minutes to discuss your specific needs so that you can stop renting and start owning?

This conversation costs you nothing. And, of course, you shouldn’t have to feel obligated to buy a home at the time you review this.  But by taking the time to explore your options, and learn about the ways you can afford to buy a home, think how prepared and relaxed you’ll be when you are ready to make this important step.

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Long Lake Village

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This is where play lives

Wilderness and urban convenience are minutes away in Halifax. Long Lake Village borders a stunning 5000-acre provincial park only 10 minutes from downtown Halifax. Get lost in forests, trails, streams and lakes. Six schools, convenient access to shopping, entertainment, arts and athletic centres, just minutes away.

Close to it all and close-knit, this 40-acre development on Northwest Arm Drive is a flexible mix of multi-residential buildings, single-family homes, semi-detached homes and townhouses. The “Village” has a home for singles, couples, families and seniors who share a love of outdoors with the conveniences of urban living.

We think of the neighbourhood as a great place to eat, sleep, play and meet enthusiastic neighbours who share a passion for the outdoors. A street built around a park and playground, Hadley Crescent gives children easy access to fun and lets you easily watch them play.

Site Plan

 

The Park

Long Lake Provincial Park is 5,000 acres of lakes, forests, trails, rivers and streams that would be a jewel in the heart of any city. It is 5 times bigger than New York’s Central Park, and much more diverse. Home to abundant flora and fauna, this urban gem had little access until ADI joined Polycorp in an initiative to create a multi-use 5 km trail. Now, the beauty of the park and its abundant amenities can be easily enjoyed just steps from your home in the Village.

Best of Halifax Reader’s Choice Award Winner!
Best Place to Go Swimming | Gold in 2014 | Silver in 2015

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Tatamagouche

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TATAMAGOUCHE, NOVA SCOTIA

Full of character, Tatamagouche is a thriving seaside village that embraces quality of life along Nova Scotia’s Northumberland Shore. In addition to its proximity to several warm water beaches, Tatamagouche is a destination for those with great taste!

Why Tatamagouche?

Since last year, 10 new businesses have launched in Tatamagouche.

The village’s charm, friendly people, affordability, and the desire for change are all converging to contribute to its mini boom. Since last year, 10 new businesses have launched in Tatamagouche.

Read CBC News Story, July 13, 2017:  Mini boom in Nova Scotia village attracts young entrepreneurs.

Culinary Experiences 

Tatamagouche Museums 

  • The Creamery Square is a waterside attraction in the heart of the village that also features a performing arts centre and an award-winning heritage centre. The heritage centre is a particularly fascinating way to get to get to know this quirky little community with stories of two-headed calves, Giantess Anna Swan, and incredible fossil discoveries.
  • Balmoral Grist Mill: During demonstrations, see the mill in action, just as it would have been when Alexander McKay built it in 1874
  • Sutherland Steam Mill: Explore this 1894 saw mill and discover Nova Scotian ingenuity in a mill once powered by steam 
  • Wallace and Area Museum: Visitors are invited to stroll through the museum (with over 1000 artifacts) and garden areas, where many of the original plants and trees can still be found. The museum also offers short walking trails, as well as a wilderness trail

Tatamagouche Accommodations 

  • Train Station Inn: Carefully restored, the dining car offers the charm and nostalgia of years gone by. Homemade seafood chowder, fish cakes, steak and lobster make for a truly first-class dining experience.
  • The Cottages at Cambra Sands: Seven 4.5 star luxury cottages located on a private sandy warm water beach.
  • Fox Harb’r Golf Resort and Spa has been consistently ranked among the top Destination Resorts in Canada by leading travel consumer reports and industry peers. Fox Harb’r is one of only five 5-star resorts in Canada.
  • Balmoral Motel: Located alongside Waugh’s River and Trans Canada Trail and near warm saltwater beaches, golf and museums.

Tatamagouche Golf

Seaside golf is at its best along the Northumberland Shore.

  • Brule Point Golf: Oceanfront course, beautiful views and14 holes. 5 new dunes-style holes with traditional Scottish links mounding, fescues, bunkering, and generous bent-grass greens.
  • Fox Harb’r Golf Resort and Spa: visitors can enjoy our 18-hole championship course and our par-3 course, both designed by Golf Hall of Fame architect Graham Cooke. This par-72 (7253 yards) course is a magnificent blend of both Scottish links and traditional parkland golf situated along the spectacular rugged sea coast of the Northumberland Strait.
  • Northumberland Links: The 6313 (white tees), par 72 course, minutes from Pugwash, overlooking the Northumberland Strait, is one of Atlantic Canada’s most picturesque and challenging layouts.

Source Nova Scotia.com: http://www.novascotia.com/about-nova-scotia/regions/northumberland-shore/tatamagouche

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Indigo Shores

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Modern lakeside living. A vibrant, active community surrounded by lush natural landscape. The sense that you are miles away from the hurried pace of the city, yet only minutes from Bedford and Halifax.

 

This is Indigo Shores at McCabe Lake.

Indigo Shores is Halifax’s premier lakefront community. Located on popular McCabe Lake, the community will feature over 450 large, wooded home sites, built over several years.

Indigo Shores offers a variety of home site options including lakefront lots with direct access to McCabe Lake, riverfront lots on the Sackville River, as well as lots with beautiful views of the lake. Indigo Shores will also offer community lake access for all residents to enjoy everything McCabe Lake has to offer.

The Community – Indigo Shores is a lakefront community conveniently located directly off of Highway 101, via Exit 2A. The community is minutes from shopping at the Bedford Commons and the Burnside Industrial Park, and 25 minutes to Downtown Halifax.

Indigo Shores is located directly off of Highway 101 via Exit 2A – Margeson Drive. The community is 20 minutes from Downtown Halifax, 10 minutes from the Bedford Commons, and 10 minutes from the Burnside Industrial Park.

McCabe Lake

McCabe Lake is a beautiful and pristine lake situated between Highway 101 and Hammonds Plains Road. Spanning 2.5 kilometers and reaching depths of 15 meters, McCabe Lake is one of the largest freshwater, motorized boat friendly lakes in HRM. Perfect for water skiing, pontoon boats, swimming, canoeing and kayaking, McCabe Lake truly has something to offer all residents of Indigo Shores.

The Lake – McCabe Lake is one of Nova Scotia’s most beautiful and pristine motorized boat friendly lakes. Perfect for swimming, boating, and fishing, Indigo Shores will feature community lake access for all residents to enjoy the lake.

Schools:

  • Sackville Heights Elementary Grade Primary – 5
  • Sackville Heights Junior High Grade 6 – 8
  • Millwood High School Grade 9 – 12

 

Coming Soon – Indigo Shores Park. Anticipated for 2017, the Indigo Shores park will feature boardwalks with access to the lake, canoe launch, and a picnic area. The park will allow all Indigo Shores residents to enjoy McCabe Lake.

Coming Soon – Commercial Plaza. We continue to work with the HRM to develop a commercial plaza on either side of the Margeson Drive interchange. Indigo Shores residents will enjoy the convenience of shops and services only minutes from your home.

Source: http://indigoshores.ca/

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Mount Royale

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Opening up into the Washmill Lake Extension, close to Bayer’s Lake, and providing easy access to Highway 102, Mount Royale is well located in the heart of Halifax for anyone looking for a great place to call home.

Directions: Dunbrack to Regency Park Drive, to Abercrombie, left on Bentley.

Welcome to sought after Mount Royale Subdivision, one of the most recognised areas in Halifax for its proximity to downtown Halifax and Bayer Lake Shopping mall. This elite subdivision is just minutes away from downtown, but miles away from the hustle and hassle of downtown living. Located in a brand new subdivision in Clayton Park, you will fi nd a more comfortable lifestyle for you and your family!

 

One of the hottest selling neighbourhoods in Halifax with only a few elite homes available which backs onto over eight acres of green space.

 

Old Ashburn Golf Course: Just outside the city-Ashburn has no rival in Eastern Canada. Incredible practice facilities, stately clubhouses, and an inviting and friendly membership make Ashburn the perfect club for players of all ages. Unique, vibrant, and inviting, experience Eastern Canada’s only truly private golf club. HALIFAX’S PRIVATE GOLF EXPERIENCE.

 

 

Mount Royale Community is close to the The Halifax Mainland Commons which is full of recreation options. Baseball fi elds, soccer fi elds, the Canada Games Centre and the BMO Soccer Centre accompany the walking trails, off-leash dog park and Mainland North Linear Parkway. The main loop takes under an hour to walk, and also connects to Main Avenue in Fairview, and the previously mentioned Mainland North Linear Parkway. No matter what kind of outing you’re looking for, the Mainland Common accommodates just about all of them, without the need for a car.

 

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