Coming Soon in Stonewater Bay, Carleton Place!

Comingsoon

Stonewater Bay, Carleton Place! 2 story home, 3 bedroom, 2.5 bath, finished basement, in-ground pool, 2 car garage. Roof 2016.

 

Contact me for further details – 613-371-6024 or info@chantalnephin.com

 

 

Introducing 36 Dunham Street, Carleton Place

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Great location to raise your family this stunning 3 bedroom, 2 bathroom home features plenty of upgrades.

Open concept kitchen & dining room with French doors to deck and large lot backing onto green space. Huge backyard with no rear neighbours!

Modern kitchen complete with granite counter tops and white subway tile back splash.

Gleaming Brazilian cherry hardwood floors throughout.

Finished basement with family room and den.

Walking distance to parks and amenities.

No showings or offers until July 31st.

To book a showing Click Here

Introducing 49 Dunham Street, Carleton Place

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You and your family will love this well maintained 3 bedroom, 2 bathroom home located on a preferred corner lot. Ample parking spots including spacious garage with inside entry door.

Beautiful hardwood flooring featured throughout the main and upper levels including the stairs.

Finished basement with family room, den and plenty of storage space. Spacious open concept kitchen and dining room with outside access to a large deck is perfect for entertaining guests.

Extremely large fully fenced private yard is lined with cedar hedges and mature trees.

Many upgrades to home including a new roof and furnace in 2012.

For more information on this property Click Here

To book a showing Click Here

Moving With Your Pet

Moving can be a trying and stressful event, not only for you but your pets as well. One of the many considerations when planning a move is to ensure that your pets feel as comfortable as possible during the move and that they settle into your new home.

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Visit your veterinarian.

A few weeks prior to moving, request a copy of your pets veterinary records, including all the animals vaccination certificates. Be sure your pets are up to date with all their shots. Your vet should have no problem releasing the records and perhaps may even be able to recommend another vet in your new location.

Keep a Routine.  Dogs and cats don’t like change; they might display behavioral changes or become ill when stressed.  A move can often be quite chaotic but try your best to keep your pets’ routines, such as feeding times and walks, as normal as possible as you prepare for the move and after you arrive at your new home. Make the time to provide them with a similar level of attention you would usually give them.

Update your tags and microchip. If you have a dog or a cat you should create new identification tags with your new address and phone number. Most pet stores or an engraving shop can offer this service. If your pet is micro-chipped be sure to update the contact information on file to your new phone number and address.

Get your pet Registered. Most municipalities require you to register your pet and some may even have restrictions or bans on certain pets or breeds. Registering a pet usually includes a fee and tagging the animal. Some municipalities require proof of sterilization and/or micro-chipping to register your pet. You may need a letter or certificate from your current vet to show as proof. Be sure to contact the municipal office prior to your move to see what the registration requirements are as well as any by-laws you may need to be aware of.

Get the Pet used to the new home and neighbourhood. It is best to start the animal off in a small area of the new home where they will feel safe. Create a secure spot and surround the pet with its bed, toys and familiar items. Show the cat where his new litter box location is.  If you own an outdoor cat you may want to leach it for the first few days it goes outdoors in your new neighborhood.

Tips for the Road

If you’re traveling by car, keep cats and dogs in carriers large enough to accommodate food and water bowls plus a small litterbox for Fluffy. Stop about every two hours to give larger pets some fresh air. Be sure to use a leash if you let your cat out. Maintain a comfortable car temperature for all pets, and don’t ever leave animals alone in a car on a hot day. Even with the windows cracked, this can be fatal. Birds and other small pets (hamsters, guinea pigs, and the like) are especially susceptible to drafts and heat. Cover cages to keep animals calm and well protected, and remove water bottles except during rest-stop water breaks.

Introducing 100 Mississippi Road, Carleton Place

virtual-tour-138663-02Perfect first home for a couple or young family. This home is well maintained and in a nice family neighbourhood which is walking distance to schools and parks. Minutes to Highway 7 for a short commute into Ottawa.  Huge fenced backyard with deck.

Situated in the popular Westview Heights community this Family home is a short walk away from downtown and a few blocks away from beautiful Riverside park. Riverside park includes two boat launches, a beautiful beach, volleyball court, large picnic area, and a splash pad for children as well as being home to the Carleton Place Canoe Club; Canada’s oldest canoe club.

Minutes away from the amenities of downtown Carleton Place including the recently renovated Farmer`s market as well as the many unique shops and restaurants along the main street. A short commute to Ottawa with the newly expanded 4 lane Highway 7 you can be in Kanata in under 30 minutes.

For more information on this property Click Here

Introducing 68 Peary Way, Kanata

 

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Stunningly updated 3 bedroom 1 bath row unit in Katimavik, Kanata. Open concept kitchen with eat in area, slate floor, slate backsplash, and patio door to back yard. Spacious living and dining room with laminate floors. New berber carpet on stairs & hall. Stylishly updated bathroom with modern fixtures & tiles. Upgraded insulation in attic, new eavestroughs. Fully fenced yard backing onto park.

Located in a popular family community this Condominium is close to all amenities.  Surrounded by parks and wooded trails, close to excellent schools, shopping, restaurants and transit. Great private outdoor pool with lifeguard on duty for those hot summer days, private playground for your kids.
For more information on this property click here.

Collateral vs Conventional mortgages

Hi, there was a piece on CBC’s Marketplace show recently about mortgages being registered as collateral vs conventional and I thought I would take a moment and explain the differences between those two types of registrations.

Collateral mortgages are becoming more common and it is important that clients understand the differences.  Collateral mortgages are typically registered for more than the actual mortgage requested (in some cases, up to 125% of the value of the home).  The terms of the mortgage are the same ie 5 year term, 25 year amortization for example.

The benefit of a collateral charge is that it can allow the client to refinance up to the amount of the registration without incurring legal fees (assuming that the client qualifies and that the property appraises).  There are two cons.  At renewal a client cannot switch if they do not like the rate so they are somewhat at the mercy of the lender in terms of getting the best rate deal.  Also, should a client have financial issues which will not allow them to qualify for a standard bank mortgage they may have trouble getting a second mortgage as not all lenders will go into second position behind a collateral charge.

As a mortgage agent it is not my job to pick one type of registration over another, it is my role to ensure that a client understands their mortgage options so that they can make an informed decision based on their current circumstances, taking into account what impact that decision may have on future choices.

As always, should you have any questions about this information please feel free to call or email me.

Cheers

Karen Lemieux

Accredited Mortgage Professional, CFP, BComm
Trust, Service, Accountability
Mortgage Agent
Mortgage Brokers Ottawa

788 Island Park Dr
Ottawa, Ontario
K1Y 0C2
Fax: 613-274-7389
Email: karenl@mortgagebrokersottawa.com

Apply Securely Online: www.karenlemieux.com

Broker license: 11759

” The highest compliment my clients give me is the referral of their family, friends and business associates. Thank you for your trust.”

Cell: 613-304-1500
Office: 613-798-1973

Dealing With Dampness in Your Home

As we approach the spring many homes experience dampness from the excess water caused by a combination of greater rain fall and the melted snow. When dampness is present in your home it can cause a musty undesirable smell.

If dampness is not taken care of it also produces mold on hard surfaces, mildew on soft surfaces, and can lead to health issues. The best way to tackle any problems with dampness is to detect  it, deal with it, and avoid it in the future.

Identifying the dampness

The climate where we live is a predictor for dampness in our homes. The Ottawa valley has high humidity and increased rainfall during this time of  year. That coupled with the melting snow and ice often causes an influx of water from the outside coming in.

Even in ideal climates you can also experience dampness from increased humidity from showering, drying clothes, and cooking. It may not always be obvious where to locate the source of dampness issues. When water is entering your home from the outside, you may be able to determine where by looking for water stains on painted walls or white salt deposits (called efflorescence) that show up on brick.

Dealing with dampness

When your home is showing signs of dampness, it is important to deal these issues quickly so they don’t lead to increased damage or personal health issues. The first thing to do is locate the source of the problem. Look at the most common problems such as blocked eaves-troughs  missing shingles, objects stacked against exterior walls, leaking water pipes, or damage to your roof or foundation.

If you cannot find the source of the issue hire an expert to help. Depending on the complexity and severity of the problem, there may be some solutions you can take care of yourself (e.g. caulking around windows to keep moisture out, cleaning the gutters), whereas others may be better suited for a professional (e.g. fixing leaky water pipes or fixing foundation problems).

Avoiding dampness

Prevention is the key to keeping a damp free home. Here are some tips you can take to keep dampness away from your home:

  • Keeping windows and doors closed during humid weather prevents moisture in the home.
  • Use climate control devices such as an air conditioner and or a dehumidifier to keep humidity below 60%.
  • Use exhaust fans in the kitchen and bathrooms to control humidity.
  • Ensure all kitchen and bathroom exhaust fans are clear and connected directly outdoors and not into the attic.
  • When possible, consider limiting the boiling time of water, covering your saucepans when cooking.
  • Position the downspout runoff of the eaves-troughs so they are directed away from the foundation of your home.
  • Make sure the yard has proper slope which directs water away from the home and that the foundation has a proper drainage system in place.
  • Increasing or improving the insulation of your home and around pipes.
  • Make sure that the home has a proper vapor barrier present.
  • Limit the amount of indoor plants you have in the home and store firewood outside or in the garage.

BMO to raise back up controversial Mortgage Rates

The Bank of Montreal will return the posted rate for a fixed five-year mortgage back to 3.09%, where it was before they lowered it to 2.99 per cent.  Financial Minister Jim Flaherty had expressed his disapproval over the lowered rate which was offered as of March 4th.

Manulife also reversed its decision to offer a lower rate last week after they received a call from Flaherty asking them to reconsider.

There are however lots of lenders still offering  5 year fixed mortgages below 3% at this time, if you are looking for a new mortgage or would like more information please feel free to give me a call and I can answer any questions you may have.

 

Attention Buyers – BMO Mortgage Rate Cut May Spark Price War

The Bank of Montreal recently cut its five-year fixed mortgage rate to 2.99 per cent as we head into the important spring housing market.  BMO is lowering the rate on its five-year fixed low-rate mortgage to 2.99 per cent from 3.09 per cent on a loan with an amortization period of 25 years.

Other banks have yet to follow suit on their posted rates but already buyers are reporting negotiating rates below 3% with other institutions.

This is not the first time BMO has made this move; last year it also lowered its rate for the spring market, but only for a short time.  When it made the move last year other banks were quick to introduce competitive products. It is unknown how long BMO’s current offer will be offered.

It’s subject to withdrawal. We’re not announcing how long it will be out in the market.

Sameh Elrefaei, BMO’s head of mortgage products

The lower rates are likely being offered to remain competitive in a shrinking housing market  after the government introduced tougher mortgage rules last year.

If you are thinking of renewing your mortgage or are interested in purchasing to take advantage of these low rates I would be happy to assist you.  Fill out the short form below today and I can arrange a free, no obligation consultation for any of your mortgage needs.

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