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Category: First-Time Home Buyers (8 posts)

Why is the media pushing Millennials to rent?

Why is the media pushing Millennials to rent?

April 2, 2019 | Posted by: Mike Garganis

Something strange has been going on over the past decade. We’re often being told – and, in many cases, convinced – that it’s better to rent than to own. I firmly believe every ... [read more]

How homebuyers can reduce impact of rising rates

How homebuyers can reduce impact of rising rates

February 21, 2019 | Posted by: Mike Garganis

Last April, Dan and Sue (real clients of mine, names are different to protect their identity) bought a condo for $238,000, still under construction in Barrie, Ont. They expect to move in by ... [read more]

Starter Home + Time = Rental Property

Starter Home + Time = Rental Property

February 8, 2019 | Posted by: Mike Garganis

Like most of us who get married, we start a new chapter in our lives with a bit of financial uncertainty.  Student loans, car loans, credit cards, and a wedding that some relatives you wish you n ... [read more]

Smart debt management gives first-time homebuyers an edge

Smart debt management gives first-time homebuyers an edge

July 4, 2013 | Posted by: Mike Garganis

Warning bells that Canadians are too overextended on debt might be keeping some potential buyers up at night. Although home debt is ‘smart’ debt, it’s a huge financial decision and t ... [read more]

Buying a house? Don't make these mistakes

Buying a house? Don't make these mistakes

June 27, 2013 | Posted by: Mike Garganis

First-time homebuyers can get easily side-tracked by fixable "problems," like an unappealingpaint color, and they often overlook hidden costs of home ownership like maintenance expenses.Such rookie er ... [read more]

5 must-do’s for first-time home buyers

5 must-do’s for first-time home buyers

April 24, 2013 | Posted by: Mike Garganis

Buying a home is likely the largest purchase you’ll make in your life. But there are ways of reducing the stress.   Buying a home for the first time can be one of the most stressful exper ... [read more]

How to Hire a Home Inspector

How to Hire a Home Inspector

April 24, 2013 | Posted by: Mike Garganis

Choosing a qualified inspector is an important step for new homeowners - but it’s not as easy as you may think   A home inspection is one of the most valuable investments you can mak ... [read more]

Your RRSP can help make you a first-time homebuyer

Your RRSP can help make you a first-time homebuyer

June 19, 2012 | Posted by: Mike Garganis

Under the Home Buyers’ Plan, you can tap into your RRSP and borrow from yourself tax-free to help with your home purchase. You then pay yourself back over a set period of time.  Of cours ... [read more]

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Mike Garganis
Mike Garganis
Mortgage Agent
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