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Resources

Article: What paperwork to expect from a custom builder

Tips and Advice

Should you buy mortgage insurance?

Tips and Advice

How to measure a home’s square footage

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Resources

Article: Buying a new home? 5 things to know before you search

Buying a new home that’s to be built for you – often referred to as a production home or tract home when it’s not a custom-designed one – shares many similarities to buying a resale home. But there are also significant differences.
Glossary

ERV (energy recovery ventilator)

See HRV/ERV (heat/energy recovery ventilator)
Steve Maxwell slow-flushing toilet
Article

Lazy flushers: Causes and solutions for slow-flushing toilets

Got a slow-flushing toilet? Here are likely causes plus solutions.
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Sue Pitchforth Decor Therapy Plus ladder upcycling
Article

Ladder upcycling: Giving new life to an old ladder

An upcycled ladder creates a fun vignette in the garden.
Glossary

Shaker cabinet

A simple cabinet door consisting of a recessed flat panel, four rails and usually plain hardware; the name references the simple designs favoured by the Shaker religious sect.
Glossary

Mortgage stress test

A federal government requirement introduced in 2018 that requires everyone to prove they can afford payments if interest rates increase by a set amount. The policy is meant to encourage Canadians to borrow within their means for a house purchase. It applies to anyone getting a mortgage or changing mortgage lenders.
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Glossary

Reverse mortgage

A type of home equity loan that does not require repayment until the loan is due. It is promoted to older people. Some financial experts advise against reverse mortgages because a large, unpaid principal can remain at death.
Glossary

P.I.T.

This stands for Principal, Interest and Taxes, the components of every mortgage payment.
Glossary

Open and closed mortgages

An open mortgage can be re-negotiated, refinanced or paid off early with no penalty but tends to have higher interest. A closed mortgage has a set term with a lower rate but cannot be re-negotiated, refinanced or paid off early without a penalty.
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Glossary

Closing costs

The additional expenses to close a home purchase. They may include land transfer taxes, lawyers' fees and home insurance. Closing costs can range from 1.5 to 4 per cent of the home's selling price.
Glossary

Prairie style

One of the few housing design styles created in North America, it was popularized by Frank Lloyd Wright. The Prairie School dates from 1900-1940 and includes features like strong horizontal lines, projecting eaves and flat or hipped roofs.
Glossary

Victory housing

Small, single-family homes mass produced between 1940 and 1960 for soldiers or people who worked in defence industries. Canada Mortgage and Housing Corporation hired architects, engineers and builders to create floor plans and kits for affordable one-and-a-half-storey homes that could be built from locally sourced materials.
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Glossary

Hopper window

Normally vertical windows that are hinged on the bottom of the sash so the top can be opened inward.
Glossary

Joists

A series of parallel supporting beams, usually made of wood or wood composite, and used to support ceilings, roofs or floors.
Glossary

Bay window

A window built to project outwards from the outside wall. Bay windows are often found in living rooms to take advantage of natural light and scenic views.
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