12 Dec

New Year Resolutions for Every Homeowner

General

Posted by: Jenni MacDonald

As 2024 approaches, it’s time to set meaningful New Year resolutions, not just for ourselves but also for our homes. Discover practical ways to enhance your living space and financial well-being in the coming year.

Creating a Balanced Home Budget for 2024

Review or start a home budget to get a grip on your expenses and cash flow. An annual review is crucial to accommodate changes in wages, loan payments, and other expenses. This is also the perfect opportunity to plan for future renovations, vacations, or other significant expenses.

Embracing Minimalism in Your Home

January is the perfect time to declutter and embrace minimalism. Clear out old furniture, clothes, and items that no longer bring you joy. This approach not only frees up space but also helps in bringing clarity and focus to your life.

Reducing Your Home’s Carbon Footprint

Make your home more energy-efficient as a New Year’s resolution. Simple actions like switching off lights, using LED bulbs, and installing energy-saving appliances can significantly reduce your carbon footprint and save you money in the long run.

Cultivating a Home Garden

Whether you have a green thumb or are looking for a new hobby, starting a garden can be both therapeutic and rewarding. You can grow herbs in your kitchen, use pots on the patio, or set up large planters in your backyard.

Enhancing Your Work-From-Home Experience

If you’re still working remotely, make 2024 the year you create a dedicated home office space. This will help in separating your work from your personal life, improving focus, and enhancing productivity.

Optimizing Your Mortgage Renewal in 2024

With many mortgage renewals coming up, start planning ahead. Consider options like debt consolidation, utilizing home equity, or securing a better rate at renewal time.

Maximizing RRSP Contributions Before the Deadline

Remember, February 29, 2024, is the deadline for RRSP contributions for the 2023 tax year. Consider your options between investing in an RRSP or paying down your mortgage and understand how the Home Buyers’ Plan can assist in your first home purchase.

In conclusion, these resolutions are not just about improving your home, but also about enhancing your overall quality of life. Start 2024 on the right foot by implementing these strategies and enjoy a more organized, efficient, and joyful living space.

If you have questions about how a Purchase Plus Improvements Mortgage could work for you or are considering taking this route for your next home, please do not hesitate to reach out to a Dominion Lending Centres mortgage professional for expert advice!

21 Nov

Port your Mortgage?

General

Posted by: Jenni MacDonald

So you want to sell your house and buy a new one!

Are you worried about losing the amazing rate that you got when rates were low? 

Are you concerned about the penalty for breaking your current mortgage?

There may be some good news for you….

Your current mortgage may have an option to “Port”.  This means that your lender would allow you to keep your current mortgage as it is – with the current amount owing, the current rate, the current time left on the term, and the current amortization – and “move it” onto your new property.  You can only port your mortgage if you sell your current property at the same time as you purchase a new one and you are staying with the same lender.

Typically, portability options are offered on fixed-rate mortgages with most major lenders.  When it comes to variable-rate mortgages, you may not have the same option.

If the new house requires a larger mortgage amount than what you currently owe, you may require a “Port and Increase” for your mortgage.  The lenders often use a “blended” system where your current mortgage rate stays the same on the mortgage amount ported over to the new property and the new balance is calculated using the current interest rate.

If the new house requires a lower mortgage amount, you may require a “Port and Decrease”.  In this case, you may pay a penalty on the amount you are decreasing your mortgage.  If you have a “prepayment privilege” with your mortgage, it may reduce the penalty as well. 

The benefits of this option are:

  1. You keep your amazing current rate on the current amount of your mortgage
  2. You don’t pay a penalty

While porting seems to be the perfect solution to selling and buying a house in the middle of your mortgage term, there are some realistic situations that may prevent approval.

  1. Your current mortgage may not have a portability option
  2. The house you are purchasing may not be approved by the lender for various reasons
  3. Your credit score and/or income details may have changed so that you no longer qualify for the mortgage with your lender.  A full mortgage application process if followed with a port option.
  4. You may want to add/remove one of the borrowers from the mortgage.  Some lenders will allow this to be done on a port but some will not.

If you want to be sure about your situation and the possibility to port your mortgage, please contact me and I would be happy to advise you!

 

If you have questions about how a Purchase Plus Improvements Mortgage could work for you or are considering taking this route for your next home, please do not hesitate to reach out to a Dominion Lending Centres mortgage professional for expert advice!

 

23 Oct

21 Reasons Why We Love South Glengarry: The People [21 of 21]

General

Posted by: Jenni MacDonald

Embark on a weekly exploration with us, Bill and Jenni MacDonald, as we delve into 21 heartwarming reasons that make South Glengarry our beloved home. Our journey is a reflection of personal experiences, with no specific ranking, showcasing the hidden gems of South Glengarry. Stretching from the picturesque St. Lawrence River to the enchanting Valleyview Road and extending from Boundary Road to the Quebec boundary, this place is a haven of diverse attractions and events.

Reason #21: The Heartwarming Community of South Glengarry
Nothing beats the warmth of South Glengarry’s community. Whether it’s the lively Happy Hour on Fridays, the friendly nods on walking trails, engaging conversations in local diners, or light-hearted banter on the golf courses, South Glengarry’s residents epitomize friendliness and camaraderie. We’re blessed with the most wonderful neighbours, many of whom dedicate countless hours to uplift the community spirit and make South Glengarry a place we’re proud to call home.

Delve Deeper into the Charm of South Glengarry
For more exciting discoveries and local happenings in South Glengarry, visit the following resources:

Share Your South Glengarry Love Story!
Have a special story or reason you cherish South Glengarry? We’d love to hear your perspective. Drop us a note and share why South Glengarry feels like “home” to you.

Considering a move to South Glengarry? Let’s discuss your property dreams and explore the best mortgage solutions tailored for you.

Jenni MacDonald
Mortgage Expert – Dominion Lending Centres – The Mortgage Source
Contact Jenni | Jenni’s Profile

Bill MacDonald
Esteemed Real Estate Broker – Century21 Shield Realty
Visit Bill’s Website | Email Bill

13 Oct

21 Reasons Why We Love South Glengarry: Campgrounds [20 of 21]

General

Posted by: Jenni MacDonald

Dive into a series where Bill and I passionately present 21 unique facets that make South Glengarry a remarkable place. With a diverse range of attractions stretching from the picturesque St. Lawrence River to the bustling Valleyview Road and the serene Quebec border, this corner of Eastern Ontario is a gem waiting to be explored.

Spotlight #20: Campgrounds Galore 🏕️

Seeking the perfect camping spot? South Glengarry is a haven for camping enthusiasts. Boasting campgrounds that cater to both seasoned RV travellers and weekend tent campers, the region promises an immersive nature experience.

  • Facilities Overview: A majority of campgrounds here have designated spaces for permanent RVs, yet always have room for transient adventurers. Many also provide day passes, granting access to pristine beaches and serene picnic areas.
  • Unforgettable Experiences: Speak to any local, and they will recount summer tales of breathtaking nature vistas right from their tents and RVs.

Featured Campgrounds:

Discover More: Passionate about South Glengarry? Explore the following resources:

We’re eager to hear your South Glengarry stories! Why is it home to you? Reach out and share your tales.

Thinking of Moving Here? Let us guide you. From real estate to mortgage solutions, we have you covered.

Jenni MacDonald
Mortgage Broker at Dominion Lending Centres

Bill MacDonald
Realtor at Century21 Shield Realty

6 Oct

21 Reasons Why We Love South Glengarry: Martintown Mill & other Historical Sites

General

Posted by: Jenni MacDonald

South Glengarry is more than just a location; it’s a treasure trove of experiences, history, and scenic beauty. Join us, Bill and Jenni MacDonald, on a weekly adventure as we delve into 21 compelling reasons that have etched this place in our hearts.

Discover the Charm of South Glengarry:
From the majestic waves of the St. Lawrence River to the quaint paths on Valleyview Road and the expansive stretch from Boundary Road all the way to the Quebec frontier, every corner of South Glengarry promises a unique charm and countless activities to indulge in.

Highlight of the Week: Martintown Grist Mill & The Echoes of History

Martintown Grist Mill: A testament to timeless architecture and history, the Martintown Grist Mill, erected in 1846, continues to captivate visitors. While its main section is open for limited hours, every Sunday from 10 am to 3 pm transforms into a vibrant hub featuring a local market and gallery. Revel in authentic local produce, melodious music, exquisite artwork, and connect with the vibrant local community.

Historical Marvels: As you saunter through South Glengarry, countless historical edifices narrate tales of the township’s rich heritage. Pause and read the informative plaques detailing their stories. Whether it’s iconic museums, sacred churches, vintage hotels, or age-old residences, South Glengarry’s legacy is preserved in these edifices.

Explore More at Martintown Grist Mill

Stay Updated:
For more glimpses into the vibrant life and events in South Glengarry, don’t miss out on:

Join Our Journey:
Share your moments and stories of why South Glengarry feels like home to you. We’re eager to hear from you! Looking to make this paradise your residence? Reach out for expert advice on real estate and mortgage solutions:

Jenni MacDonald:
Mortgage Specialist, Dominion Lending Centres
🔗 Jenni MacDonald Dominion Lending Centres
✉️ jmacdonald@dominionlending.ca

Bill MacDonald:
Real Estate Broker, Century21 Shield Realty
🔗 The Kilt Guy Real Estate
✉️ bill.macdonald@century21.ca

29 Sep

21 Reasons Why We Love South Glengarry: St. Raphael’s Ruins [18 of 21]

General

Posted by: Jenni MacDonald

Join Bill McDonald and I  as we share our passion for South Glengarry, breaking down 21 unbeatable reasons that have drawn our hearts. Every week, we’ll explore one standout reason, showcasing the diverse charms that South Glengarry serves up. Our journey is deeply personal, as we take you through our very own experiences without ranking them.

South Glengarry’s Highlights: A treasure trove awaits from the scenic views at St. Lawrence River to the pathways at Valleyview Road and even beyond Boundary Road right up to the Quebec border. This area is a goldmine of experiences and adventures.

Spotlight #18: Unraveling the Mysteries of St. Raphael’s Ruins

Seeking a journey back in time? Dive into the enchanting landscape of St. Raphael’s Ruins. Amidst South Glengarry’s myriad attractions, these ruins have carved a unique niche. They stand as a testament to a 1970 fire that devastated the historical Roman Catholic Church, leaving only its mighty walls behind. By 1999, its significance was recognized, and it was crowned a National Historic Site.

Open daily, the site becomes even more alive on weekends between 8:30 AM and 4:30 PM when curators share tales of its rich past. Beyond its historical allure, the ruins double up as a photogenic spot and a venue for diverse events, from intimate weddings to vibrant concerts. Keep up with their event calendar here: St. Raphael’s Ruins National Historic Site.

Stay Updated on South Glengarry:

Got a South Glengarry story to share? We’re all ears! Dive into the comments and let’s celebrate the region together. And if South Glengarry beckons you for a more permanent stay, reach out! We’re here to guide you on real estate prospects and mortgage plans.

Contact Us:

  • Jenni MacDonald: Mortgage Broker, Dominion Lending Centres | Email | Official Site
  • Bill MacDonald: Real Estate Broker, Century21 Shield Realty | Official Site
22 Sep

21 Reasons Why We Love South Glengarry: Gray’s Creek Marina and Conservation Area [17 of 21]

General

Posted by: Jenni MacDonald

Welcome back to our weekly series where Bill and I, Jenni MacDonald, delve into the heart of South Glengarry and share the myriad of reasons that make this place so special. As locals, sometimes we forget the treasures that are right on our doorstep. This week, let’s explore the allure of Gray’s Creek Marina and Conservation Area.

🍃 Gray’s Creek Marina and Conservation Area: A Hub of Activity and Nature Whether it’s a serene nature walk, a fun-filled day with your kids, or setting sail on a boating adventure, Gray’s Creek has a little something for everyone.

  • Natural Splendor: Spread over 43 hectares, Gray’s Creek boasts a plethora of natural landscapes and 6.4 kilometres of trails that remain accessible throughout the year.

  • Family Fun: It’s an ideal spot for families. Children can enjoy the play structures while adults can set up a picnic with provided tables, shelters, and BBQs.

  • Boating Adventures: Ready to take to the waters? For a nominal fee, the marina allows boat launches. If you’re planning multiple excursions or need a spot for your boat, seasonal slip rentals are also available.

For a comprehensive look into everything South Glengarry offers, dive into these resources:

South Glengarry isn’t just a location, it’s an emotion, a feeling of belonging. We invite you to share your stories, your moments. Why do you cherish South Glengarry? Reach out, and let’s celebrate this beautiful community together.

If the charm of South Glengarry is pulling at your heartstrings and you’re considering making it your permanent abode, Bill and I are here to assist with your real estate and mortgage needs.

Jenni MacDonald | Mortgage Broker
Dominion Lending Centres – The Mortgage Source
📧 jmacdonald@dominionlending.ca

Bill MacDonald | Real Estate Broker/Partner
Century21 Shield Realty
📧 bill.macdonald@century21.ca

15 Sep

21 Reasons Why We Love South Glengarry: Backroads [16 of 21]

General

Posted by: Jenni MacDonald

In the heart of Eastern Ontario lies a treasure waiting to be uncovered: South Glengarry. Over the span of 21 weeks, join me and Bill MacDonald as we detail 21 reasons why we’ve fallen in love with this Canadian jewel. Our journey emphasizes personal experiences detailing hidden gems many often overlook.

Reason #16: The Scenic Backroads of South Glengarry

ROAD TRIP! 🚗 South Glengarry’s winding back roads beckon for discovery. From the tantalizing scent of fresh maple syrup at local sugar bushes to the ever-evolving murals painted on the “big rock” on Summerstown Road, there’s always something new to see. Don’t miss out:

  • 🍁 Admire the fiery Fall colours on Summerstown Road.
  • ✨ Marvel at the festive Christmas lights brightening the chilly December evenings.
  • 🍕 Experience a delightful blend of farm tour and gourmet pizza at Fraser Creek Farm.

Looking for a curated journey? The “Glengarry Routes” provides intriguing pathways such as the St. Raphael’s Route and the Lancaster Route. Unpredictable adventure awaits at every turn! Check out their official website: Glengarry Routes.

Stay Connected with South Glengarry:

Join the Conversation
We’re eager to know: what makes South Glengarry special for you? Share your stories and moments with us. If you’re contemplating a move to this magnificent place, get in touch! We’re here to assist with your real estate and mortgage requirements.

Jenni MacDonald
Dominion Lending Centres – The Mortgage Source
📧 jmacdonald@dominionlending.ca
🔗 Jenni MacDonald – Dominion Lending Centres

Bill MacDonald
Century21 Shield Realty
📧 bill.macdonald@century21.ca
🔗 Bill MacDonald – The Kilt Guy

Stay tuned for next week as we uncover yet another reason why South Glengarry captivates hearts. Your journey of discovery is just beginning.

8 Sep

21 Reasons Why We Love South Glengarry: St. Lawrence River and Fishing [15 of 21]

General

Posted by: Jenni MacDonald

South Glengarry, with its picturesque landscapes and vibrant culture, has always been close to our hearts. Join Bill MacDonald and I on a 21-week adventure as we reveal the charms of South Glengarry that often remain undiscovered, even by its own residents.

Reason #15: The Alluring St. Lawrence River and Its Rich Fishing Culture

SHIP Alert! If you’re in South Glengarry, you might frequently hear the excited shouts of “SHIP!”, especially during gatherings by the St. Lawrence River. The sight of these majestic ocean-bound vessels sailing by is nothing short of breathtaking. For a touch of fun, jet skis often play in the wake of these passing giants (safely, of course!). To get in on the action and predict ship timings, we personally recommend the “Marine Traffic” app, though several others serve the same purpose.

Biking by the Riverside: Stretch your legs on approximately 40 km of biking trails extending from Lancaster to Morrisburg. Most of these paths run alongside the stunning river, offering scenic views as you pedal.

Boating Bliss: South Glengarry’s waterfront invites boating enthusiasts with several launch areas. Marinas like Mac’s in Lancaster, Raisin River in South Lancaster, and Creg Quay in Bainsville, ensure you’re never too far from a boating adventure.

Fishing Adventures: The St. Lawrence River promises an exhilarating fishing experience. Whether you’re an avid angler or someone looking to relax, the river is teeming with varieties like Pike, Musky, Bass, and Walleye. And come winter, witness the quaint ice villages near Lancaster, brimming with ice-fishing enthusiasts.

Discover More of South Glengarry: For those keen on delving deeper into what South Glengarry offers, here are some resources:

Connect with Us: Share your own South Glengarry stories! We’re eager to hear why you adore this place as much as we do. And for those contemplating a move here, we’re ready to assist with all your real estate and mortgage needs.

30 Aug

21 Reasons Why We Love South Glengarry: South Lancaster Wharf and Glengarry Cairn [14 of 21]

General

Posted by: Jenni MacDonald

Embark with us, Jenni and Bill MacDonald, on a heartwarming journey, as we spotlight 21 reasons that make South Glengarry irresistibly lovable. Our selection, based on cherished personal experiences, showcases the plethora of wonders South Glengarry has in its lap. From the picturesque St. Lawrence River to the quaint Valleyview Road, and from bustling Boundary Road to the serene Quebec border, every corner of South Glengarry is a testament to its vibrant attractions and activities.

Reason #14: South Lancaster Wharf and the Intriguing Glengarry Cairn:

 

 

 

 

 

Imagine a sunny day by Pine Street in South Lancaster. The whimsical boat houses painted in vibrant colours lining the Wharf catch your attention. This public spot is perfect for a serene picnic, offering unmatched views of the majestic St. Lawrence River with the backdrop of the distant Adirondack Mountains.

Shift your gaze westward, and the historic Glengarry Cairn beckons. Constructed in the 1840s by the Militia, the monument has witnessed and harboured many stories, some of them even sparking controversies. Driving by? Make sure to take this scenic detour and bask in its mesmerizing views!

📚 Dive deeper into the Cairn’s history after WWI here.

More from South Glengarry:
Eager to explore more? Unearth countless adventures and stories by visiting:

Join the Conversation:
South Glengarry has cast its enchanting spell on us! What about you? Why do you cherish calling South Glengarry home? We are all ears! 💌

Relocation Plans?
Eyeing a move to South Glengarry? Dive into bespoke real estate and mortgage solutions curated just for you.
🏡 Jenni MacDonald – Mortgage Broker at Dominion Lending Centres – The Mortgage Source
📧 jmacdonald@dominionlending.ca

🏠 Bill MacDonald – Real Estate Broker/Partner at Century21 Shield Realty
📧 bill.macdonald@century21.ca

Stay tuned for our next spotlight as we continue our love letter to South Glengarry! 🌳💚🏡