You are not obligated to get a mortgage equal to the amount you’re qualified for

The amount you are qualified for is the maximum limit that you can use from the bank or mortgage company offering you a mortgage deal. Many times, if you qualify for more than the house is worth, the bank will allow you to take out a loan plus money for improvements called a “purchase plus Improvements” mortgage. Always consider the financial implications of a large mortgage before you agree. Make sure you consider your lifestyle and create a mortgage payment plan suitable for it.

Your monthly payments are not only limited to just your mortgage

A lot of people make the mistake of taking mortgage calculators as a base for their payment plan. However, mortgage calculators only take the base payment and the interest rate into consideration. There are some additional charges including homeowner’s insurance, property taxes, utilities, etc. So, you should broadly consider your monthly expenses.

20% down payment is not necessity

20% down payment is the most common option as it’s the suggested amount by most banks. However, it’s not mandatory so that you don’t have to postpone buying your next home to meet the 20% down payment. According to statistics, only 24% of the whole homebuyers pay 20% down payment and additional 21% pays more than 20%. The rest choose different options with lower down payment. Like a CMHC loan!

Always have a contractor to see the property before purchasing

You should always have a contractor or home inspector hired before purchasing a house whether you are willing to renovate the house, or not. Because some houses in the market might seem like a steal, but it can cost you more in the long run with all the repair costs. The only way to avoid unexpected expenses is to have a professional with you to provide you with an idea of your homes current and future hidden maintenance expenses.

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