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Tag: Home Finance

How To Learn The Total Costs Of Homeownership? FCAC Explained

How To Learn The Total Costs Of Home Ownership? Mortgage Cost Canada An OverviewWhen it comes to determine costs associated with homeownership, you’re mostly got an impression about how much your monthly mortgage payment will be when you take out a mortgage to buy a home. However, there are some hidden costs of homeownership that will add up in your monthly cost soon in the process. How much does it cost to own a house? Buying a home is an expensive that require you to find out your affordability, and or creditworthiness prior to taking out the mortgage loan. Here in this article you will find; how to learn the total costs of home ownership? Following is an overview on taking out and determine the true cost associated with the mortgage to buy a home in Canada, especially selected from Financial Consumer Agency of Canada that will help you in learning about the total costs associated to become a home owner; it’s brief and to the point:

Half of Canadians who plan to purchase a home think they will only need to cover the down payment to move in. The “closing costs” however, can add as much as another four percent of the total purchase price of the home

Closing costs can include:

  • legal or notary fees
  • land registration fees
  • municipal levies
  • surveys
  • appraisal fees
  • home inspection fees
  • utility hook-ups
  • title insurance
  • property tax and utility adjustments.

Additionally, if your down payment is less than 20 percent of the price, you will have to pay for mortgage default insurance plus the provincial sales tax charged on it.

For a $300,000 home, closing costs could range from $4,500 to $12,000. Other up-front payments that may be required include moving expenses and the real estate costs for selling your old home. Even redirecting your mail is an added expense.

A complete guide to the finances of home-buying is available on the website of the Financial Consumer Agency of Canada at ItPaysToKnow.gc.ca.

Source: Financial Consumer Agency of Canada (FCAC)
Date modified: 2015-06-30

How to save thousands of dollars in home financeing? There are various factors that can save you, where your real and total costs associated with your home ownership will determine your real savings, you may please consult your mortgage consultant to find one best deal for you. For more information and updates on “total costs of homeownership”, you may please go directly to the official website of Financial Consumer Agency of Canada (FCAC).

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Five Proven Money Saving Tips To Cut Mortgage Costs

If you want to cut your mortgage bills down to size, then consider these surefire saving tips to help you reduce your mortgage costs. These five instant money saving tips will work great for first time homeowners and as well as experienced people looking to get best deal and interest rate from their mortgage lender on home loan, home finance, mortgage and re-mortgage.

It’s quite normal that the most of the homeowners dream as being able to pay off their home loan as soon as possible and live a life free from the burden of interest rates, home loan and worries about meeting the monthly mortgage payments because the largest expense the majority of borrowers take on in a lifetime is our home finance and each month our home mortgage payments take a substantial chunk out of our take home salary.

Just imagine what as a borrower you could do with all the extra money you would have save if you didn’t have to meet your mortgage each month! Looking interested? Well, here are five proven money saving tips that you could take today to substantially reduce your mortgage repayments and the overall cost of your home finance and even speed up your rate of repayment so that the day when you’ve paid off your home loan and are free to live the life you want comes that much sooner.

Tip 1 – Demand Better Service!

As a loyal customer of your mortgage lender isn’t it about time you were rewarded for your financial commitment, for making your regular payments and for being a good, long term customer?

Well, you can rest assured your mortgage lender will not reward you unless you ask for a better deal on your mortgage!

So get on the phone, call up your lender, ask to speak to someone in customer services or the customer retention department and explain that you’re looking around for a better mortgage deal. Ask them for an evaluation of how much you have left to pay so that you can give it to any one of the hundreds of other mortgage lenders out there all willing to give you a better deal.

If you are indeed a valued customer you should receive favorable feedback to your demands and receive details of better offers currently available to you from your current lender.

Remember, if you don’t ask you don’t get and be adamant about what you want!

Tip 2 – Shop Around

If step one doesn’t get you the deal you deserve, shop around. There really are well in excess of a hundred lenders out there all seeking new customers who will offer you incentives to take up their mortgage product.

Use the internet to get an idea of rates being offered and special deals available to you. Do remember that lenders will do everything they can to make their deal seem like the most attractive one available and do everything within their power to attract new customers so you need to be shrewd.

Look for any hidden charges or tie in clauses and make sure you evaluate products offered on a like for like basis taking into account all the features of the mortgage offers available.

Tip 3 – Call in The Cavalry

Well, not the cavalry exactly but expert assistance in the form of a licensed and regulated fee free independent mortgage broker. In the UK these guys are now regulated by the Financial Services Authority and in the US and Canada they should come under the scope of The Responsible Lending Act.

As independent brokers they have access to and understanding of every single mortgage product available and they should be best placed to assist you find a better deal than the one you have now where your repayments will be less, your interest rate will be lower and the amount you repay over the entire duration of your loan is reduced.

Make sure your broker is fee free and remunerated by any company you decide to take a mortgage out with. More importantly than this, make sure they are regulated and licensed correctly and if possible ask for professional references or testimonials.

Tip 4 – Cut Out All Extras

Mortgage lenders are notorious for selling overpriced add-on such as life insurance, home insurance, contents insurance, income protection cover…all these insurances have their value of course – but you can bet your bottom dollar that you can every last one of them for a fraction of the price by going directly to an independent insurance house or even seeking the services of an independent financial adviser to find you the best deal available.

You could literally save yourself thousands each year in insurance premiums!

Tip 5 – Throw Some Money at It

So, you’ve cut your interest rate down to size, reduced your monthly repayments, maybe received a cash lump sum from a new lender and saved yourself thousands on insurance products – now turn all those savings back into your mortgage and repay early.

You should make it sure that you have negotiated it into your new mortgage contract that you can make early repayment or lump sum annual top ups and get rid of the millstone around your neck, get financial freedom, free yourself from your biggest financial commitment as early as possible and cut down thousands in interest payments; you can enjoy better life once again with these five instant money saving tips!


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