Colour of the Year – Classic Blue

 

Pantone Colour Institute’s Colour of the Year is out and it oozes sophistication and power. “Instilling calm, confidence, and connection, this enduring blue hue highlights our desire for a dependable and stable foundation on which to build as we cross the threshold into a new era.” This colour emerges as a colour of stability. In a world with so much uncertainty, this colour will provide us with a sense of calmness we all need.

Classic Blue is the colour of the year and I want to put it everywhere, including my wardrobe. This blue is so versatile you could use it in any space in your home; from your bathroom to the kitchen, it all depends on you!

 

Let’s bring it back to the basics of colour with the…

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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?

New Homeowners with keys

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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