Mortgage Renewals - How to deal with high interest rates

I’m not sure about you, but to me everything at the moment seems unreasonably expensive. The deodorant I like was on “sale” for $6.50 and I started to wonder if I’d really smell that bad without it. The other thing that stinks at the moment is the cost of borrowing money.  In twelve short months, the bank of Canada has raised interest rates from 4.79% to 7.09%.  While these aren’t the highest rates in history, the pain being felt is because of how low they’ve been in recent memory.  

The sticker shock of today’s rate environment has a lot of people dreading mortgage renewal time. We spoke to a mortgage specialist recently.  People walking into his office are terrified of making ends meet when…

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A First Time Home Buyer Success Story!


Being a first-time home buyer these days is not always an easy task. As most are aware we have had price increases accompanied with rising interest rates. Despite these challenges, I recently helped an amazing family buy their first home together. I was so thrilled and full to the brim of happiness for them all!

The Appleby’s were referred to me from another Appleby that I had the privilege to help buy her first home a few years back. I was happy to get to see the whole family again and meet new family members as well. The Appleby’s knew where they wanted to be to raise their family. They wanted a neighbourhood where they could set roots and be part of a community. I was thrilled when I learned they wanted to…

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11 Glencairn Lane | A Brian MacKay-Lyons Masterpiece

As a Realtor, I see a lot of homes.  I see small homes, big homes, new homes and old homes.  I get to see luxury condos, heritage conversions and waterfront cottages. For all the homes I see, there are only a handful of occasions where I find myself saying, “Wow!"

The Kutcher House at 11 Glencairn Lane provides exactly that reaction.  I’m not even creating hyperbole here.  From the moment I drove up the private lane to see it for the first time, I was legitimately excited to get inside.  It has a special air about it.  An imposing presence from the first moment you lay eyes on it.  As I stepped through the steel gates to the courtyard, I found a structure hovering over a massive boulder. When…

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11 Glencairn Lane

As a Realtor, I see a lot of homes.  I see small homes, big homes, new homes and old homes.  I get to see luxury condos, heritage conversions and waterfront cottages. For all the homes I see, there are only a handful of occasions where I find myself saying, “Wow!”. 


The Kutcher House at 11 Glencairn Lane provides exactly that reaction.  I’m not even creating hyperbole here.  From the moment I drove up the private lane to see it for the first time, I was legitimately excited to get inside.  It has a special air about it.  An imposing presence from the first moment you lay eyes on it.  As I stepped through the steel gates to the courtyard, I found a structure hovering over a massive boulder. 


When the owners first bought the…

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Boosting Your Home's Value: Key Considerations for Sellers

Selling your home can be a significant undertaking, and it's only natural to want to get the best possible price for your property. To maximize your property's value, you'll need to make your home as appealing as possible to potential buyers. Here, we'll explore essential considerations for sellers when preparing their home for sale.

Curb Appeal

First impressions are everything, and the exterior of your home sets the stage for a buyer's entire experience. Focus on these areas:

  • Landscaping: Trim bushes, mow the lawn, and plant flowers to enhance the overall appearance.
  • Exterior Repairs: Fix any peeling paint, loose shingles, or broken steps.
  • Front Door: A fresh coat of paint on…

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Simplifying Life: A Guide to Downsizing Your Home

As we journey through life, our housing needs often evolve. For many, the idea of downsizing becomes increasingly appealing as it brings the promise of a simpler, more manageable lifestyle. Whether you're an empty nester, seeking to reduce maintenance responsibilities, or simply looking to embrace a cozier living space, downsizing your home can be a fulfilling and liberating choice. In this article, we'll explore some key considerations when looking to downsize and the numerous benefits that come with this transformative decision.

1. Embrace Less Maintenance:

One of the most significant advantages of downsizing is the reduction in maintenance and upkeep. A smaller home typically requires less…

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Upgrading Your Home: A Comprehensive Guide to a Smooth Transition

Are you considering selling your home to upgrade to a new one? Whether you're looking for more space, better amenities, or a different location, upgrading your home is an exciting endeavor. However, it's essential to navigate the process effectively to maximize your property value and ensure a seamless transition. In this article, we'll provide you with a step-by-step guide on how to upgrade your home efficiently.

1. Proper Preparation to Maximize Property Value:

Before listing your existing home, take the time to prepare it for sale. This includes decluttering, making necessary repairs, and enhancing its curb appeal. A well-maintained and visually appealing home is likely to fetch…

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How Much Does It Cost to Sell a Home?

Selling your home is an exciting journey, but it's essential to be financially prepared for the costs associated with the process. One of the most significant expenses you'll encounter when selling your home is the commission paid to your real estate agent, but the amount can vary. In this article, we'll explore the factors that determine how much it costs to sell a home and provide insights into commission rates and the value of working with a Realtor.

1. Commission Rates are Negotiable:

First and foremost, it's important to understand that the commission you pay to your real estate agent is negotiable. There is no fixed rate set in stone, and you have the flexibility to discuss and agree upon the commission…

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Sell Your Home in Halifax, Nova Scotia: Your Ultimate Guide

Are you considering selling your home in the Halifax area? You're in the right place! At Coldwell Banker Maritime Realty, we understand that selling your home is a significant decision. That's why we've created a comprehensive guide to help you navigate the process successfully.

Why Sell Your Home in Halifax?

Halifax, the vibrant capital city of Nova Scotia, is a prime real estate market. With its rich history, stunning coastal scenery, and a booming economy, it's no wonder Halifax is a sought-after place to live. The city offers a unique blend of urban and natural attractions, making it a desirable location for buyers. In addition to that, the real estate market in the last number of…

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Pros and Cons of Selling Your Home Privately (For Sale by Owner)

Are you considering selling your home without the assistance of a Realtor? Selling your house privately, also known as "For Sale by Owner" (FSBO), can be an enticing option for homeowners looking to save on real estate agent commissions. However, it comes with its own set of advantages and disadvantages. In this article, we'll explore the pros and cons of taking the FSBO route and provide insight into the costs involved.

Pros of Selling Your Home Privately:

  1. Cost Savings: One of the primary reasons homeowners choose FSBO is to avoid paying real estate agent commissions, which typically amount to around 4-5% of the sale price. By selling your home yourself, you can potentially…

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