Think Halifax

If buying a home is in your future, saving for the down payment could be your first hurdle.

Here, we've listed a few realistic tips, tricks, and hacks to get you started on your saving journey.

Now that you've taken the first steps and looked at your financial health critically, you probably have an idea of how much house you can afford. With that in mind, it's time to determine your down payment.

First, let's break down the down payment requirements:

  • If the home you are buying is less than $500k, the minimum down payment is 5%
  • If the home you are buying is more than $500k, the minimum down payment is 5% of the first $500,000 and 10% of the remaining cost up to $999,999
  • If the home you are buying is over $1million, the minimum down
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Congratulations! You've made the decision to take the plunge into homeownership! This is a very exciting time in your life -- but are you really ready?

Before you start making wish-lists, planning paint colours, or even book viewings, you need to be pre-approved!

Maybe you've tried the mortgage calculator and based on what you currently pay in rent, it seems like you'll be able to afford a pretty awesome house. While the calculator is a great tool to determine the approximate monthly payments for a specific home price, there's so much more involved in financing a home, as well as a lot of out-of-pocket costs that you might not be expecting. 

Getting pre-approved for a mortgage is probably the most important step in your home-buying journey.

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Many people consider Spring to be the ideal season to list your home, and it certainly is the most popular time, but if you're considering selling your home there are many benefits to listing during the Holiday season!

1. People who look for a home during the winter months are more serious buyers. There may be fewer of them during the holidays but those who are looking are ready to pull the trigger.

2. People shop for homes all year. With listings available online, potential buyers are always browsing properties.

3. Some buyers may be looking to take advantage of tax breaks by purchasing a home before the end of the year.

4. Houses show better when decorated for the Holidays. Decorating your home makes it feel warmer and more inviting

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This holiday season make memories or start a new family tradition by joining your community for some festive fun at one of the many Christmas Tree Lightings happening all over HRM! There are no shortage of celebrations so we've made a list so you can find one, or a few, near you!

via GIPHY

Bishop’s Landing

Where: 1475 Lower Water St, Halifax

When: November 22 at 6pm

The Halifax waterfront tree will light up at 6pm with special guests, The Big Sing, who will lead the crowd in a holiday sing-along!

 

Grand Parade

Where: 1770 Barrington St, Halifax

When: November 23 at 6pm

If you decide to venture downtown for the tree lighting at the Grand Parade you will not be disappointed! There’s something for everyone, including:

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We must remember.

For many of us, war is something that we see in history books, newspapers, or on a television screen. Many of us now were born during a time of peace and only see war happening in distant parts of the world. We can often take for granted the freedom that we are afforded each and every day. Remembrance Day is a time to remember the courage and sacrifices our military forces made for us. Not only the men and women who fought in the wars, but their families who lost their loved ones because they willingly chose to fight to preserve our peace and make the world a better place.

This Remembrance Day, we gather to honour our Veterans and pay tribute to the brave men and women, who over many years, have answered the call to serve.  

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It's ALMOST the most wonderful time of the year!

With the holidays quickly approaching, we want to encourage supporting and shopping local this year. Whether it's for decor, gifts, or yummy treats, HRM Holiday Markets have you covered! With a market happening almost every weekend until the first week of December you're sure to find tons of items from your list while supporting members of your community. 

We've put together a list of our favourite winter craft shows to help you stay on top of your shopping list and support local!

Kicking off the season is a classic, Christmas at the Forum

Christmas at the Forum is the longest running craft show in Atlantic Canada with over 325 exhibitors from across the country it's no wonder it's the largest

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5 Family Friendly & Not So Family Friendly Haunted Round Up!

 

Hallowe’en is fast approaching, so it’s time for a round up some places to get your scare on.

 

Halifax Citadel Ghost Walks

Did you even know that the Citadel was haunted?!? I was today years old when I found this out.

I wouldn’t categorize this Ghost Walk as child friendly, but I’ll leave that up to your discretion! Some people enjoy scaring the daylights out of their kids….. I am one of those people. I see it as preparing them for life! It is pretty scary after all.

Ghost Tour: Dare to be scared – “The Citadel gate swings open to reveal a tour guide in full period uniform standing on the drawbridge holding a glowing lantern aloft in the deepening twilight. He silently

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“Sweata Weatha” has finally arrived and I. Am. Here. For it. How pumped are you that Fall is here? Not only do we get to wear snazzy boots, cozy sweaters and scarves, but it’s also one of my favourite times to decorate. The colours, the textures, the crafty things you can do inside and out! Fall is LIFE. My hair likes it too. It’s not partial to humidity! Can I get an AMEN from my curly haired peeps?

As we make way for PSL Season, we start to think about Fall home décor.  There is no shortage of ideas for decorating for this season but, I’ve highlighted some of the very best fall decorating ideas I have come up with!

 

So, in my home, I’m stuck somewhere between a modern/refined look and rustic/farm inspired look. I equate this to a midlife

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Halloween is finally coming! 31 Days!!! Are you as excited as I am?

If you’re anything like me and my family, you LOVE Halloween and everything that comes along with it. The scary, the cute, the funny, and the gory; it’s our favourite time of the year.

With all the Blockbuster Movies that came out in late 2018 and 2019, there is sure to be a lot of our little ones wanting to sport the newest Superhero, Villain or character costumes!

Here are a few of the favourite picks I’ve come up with for 2019:

First up is the most adorable costume for babies.

As I’m sure you know, the live action release of Dumbo came out earlier this year and this costume has got to be one of the cutest baby costumes I have seen to date! I may be partial to

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Okay, let’s take a breath and talk about this. Or maybe it’s just me that needs to take a breath…. I can’t be the only one that’s starting to freak out? It’s happening!! School is coming!

The start of the school year isn’t just a major shift for our kids. It’s a major shift for us parents too! The lazy days of summer are almost over and it is a sad time indeed. But have no fear, I’ve come up with the few tips to help make the transition back into school life as smooth as possible.

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A Parent’s Survival Guide to Back to School

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