Todd Smith

young lady standing in front of a wall filled with cartoon drawings of lightbulbs and question marks

Hook-ups & Such

There’s going to be a lot of little items to contend with once you find a place to move into, whether you buying for the first time, relocating across town, the city province or to a new province. It can be stressful and at times a bit overwhelming if you think of it getting it

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Inspectors

Here’s my personal list of home inspectors & other facets for you that both myself and my clients have had positive experiences with in each of the three provinces I work in. Clicking their names will take you to contact information. By no means are they who you need to choose from, the area has

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silhouette of a home in front of a city skyline with lenders as a title

Mortgage Brokers

Here’s my personal list of mortgage brokers for you that both myself and my clients have had positive experiences with in each of the three provinces I work in. Clicking their names will take you to contact information. By no means are they who you need to choose from, the area has many and your

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metallic looking question marks asking DIY versus PROS

DIY vs PROS

What areas should I NOT try my hand at DIY? In my opinion, the only renovations a home owner should undertake are items that do not require great skill…but learning that missing skill can be fun.  Seriously though, I would stay away from areas that required specialized trades and superior skill like upgrading your electrical

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Blue question mark on top of many black question marks with the caption - Math's truth on who pays commission

Remuneration

Who Really Pays? I believe in math and numbers and from what I see, all expenses and fees associated with the purchase and sale of a home comes down to the the consumer paying…aka The Buyer The Buyer? How can that be? Simple…  If you the Buyer has to put 5% of your own money

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Gold dollar sign on top of many black question marks with the caption - Multi Family ROI's and Cap Rate

Investors

What is Cap Rate? Cap Rate is rate determined by the sale price in relation to your NOI (Net Operating Income).  After all bills, maintenance and mortgage is considered, the remaining “in the bank” money is your NOI.  Simply divide your NOI by your purchase price. and convert to percentage.  It’s been my experience over

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Green question mark on top of many black question marks with the caption - To Sign or No Sign

Seller’s

HOW DO I REPORT THE SALE OF MY PRINCIPAL RESIDENCE TO CRA? There is no better answer to this question than to provide you with the link directly from CRA’s website.  This way, nothing will be lost in translation! WHO ACTUALLY PAYS COMMISSION? Contrary to what has been told for years…or at least this is

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