Summer is the perfect time to give your home a little glow-up—especially if you’re thinking of selling this fall or just want to enjoy your space more while the sun’s out. The good news? You don’t have to break the bank to make a big impact.

Whether you're in a detached home or a condo, here are a few quick, affordable upgrades that can dramatically boost your curb appeal—and even your resale value.

🏡 For Houses & Townhomes: Quick Exterior Upgrades

Add Flower Boxes or Container Gardens

You don’t need a green thumb or a full landscaping crew. A few vibrant planters by your entryway or flower boxes under the front windows add instant charm and colour. Bonus: You can take them with you when you move.

Paint the Front Door

Never underestimate the power of a bold, fresh front door. It’s one of the easiest ways to transform your home’s first impression—and a new coat of paint can cost less than $50. Try classic black, welcoming navy, or a cheerful red or sage green.

Update Your Exterior Light Fixtures

Outdated lighting can drag down your exterior vibe. Swapping in sleek, modern fixtures—or even just cleaning your existing ones and upgrading the bulbs—makes your home feel more inviting and well-kept, especially in the evenings.

Refresh the Entry with New House Numbers or a Welcome Mat

These small details matter! Crisp, modern house numbers and a clean new welcome mat can subtly signal that your home is loved and maintained—two things every buyer is drawn to.

Pressure Wash Walkways and Siding

You’d be surprised how fresh everything looks with a good clean. Rent a pressure washer or borrow one from a neighbour and give your siding, driveway, and walkway a thorough wash. It’s like an instant face-lift for your home.

🏢 Live in a Condo? Boost Your Unit's Appeal, Too!

Curb appeal doesn’t stop at the front lawn. If you live in a condo, here are a few ways to make your unit stand out—whether for resale or your own enjoyment:

Style Your Balcony or Patio

Add potted plants, a small bistro set, or an outdoor rug to turn your balcony into a cozy extension of your living space. Keep it tidy and inviting—potential buyers will imagine themselves enjoying a morning coffee or evening glass of wine there.

Clean the Windows Inside and Out

Natural light is a huge selling feature in condos. Sparkling clean windows make your home look brighter and more spacious—and show buyers that the unit has been well cared for.

Declutter the Entryway or Hallway

First impressions matter, even in a shared building. Make sure your door area is clean and clutter-free. A seasonal wreath, a tasteful doormat, or even a tidy shoe rack inside your entryway can elevate the feel instantly.

Add Art or Mirrors in the Hall

If you're allowed to decorate outside your unit door, a mirror or piece of art can add personality and warmth to your hallway. Just check with your strata before drilling into common-area walls.

Thinking of listing later this year?

A few small curb appeal tweaks now can mean more eyes on your listing—and potentially more $$ in your pocket. Want to chat about how to prep your home for a future sale? I’m happy to walk you through a personalized game plan.

👉 Reach out any time—let’s make your next move your best one.

Jacqueline Ross, REALTOR® 
Coldwell Banker Oceanside
(250) 415-5656
jac@yourvanislehome.com
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Everywhere you look, mortgage rates are front and centre—but the fine print behind those low numbers can cost you more than you think. This month, our trusted mortgage broker, Paul Macara, with Macara Mortgages, has some thoughts on why it’s not always about the rate.

We get it, mortgage rates are everywhere. You see them on ads, in your inbox, and all over comparison websites. And it’s tempting to chase the lowest number on the board.

But here’s the thing: the mortgage with the lowest rate isn’t always the cheapest in the long run.

Whether you’re renewing, refinancing, or switching lenders, it’s important to look beyond the headline rate and ask a few smart questions before signing on the dotted line.

Not all mortgages are created equal

Some lenders offer teaser rates that jump sharply after the intro period. Others offer “no frills” mortgages that take away basic features like prepayments or portability just to offer a slightly lower rate.

And here’s something many borrowers don’t realize: the lowest mortgage rates are often reserved for insured mortgages—typically those with down payments under 20%. These loans carry less risk for the lender, which is why they get better pricing. So, even if a rock-bottom rate catches your eye, it may not be available to you unless your mortgage qualifies.

Before you choose, here are 10 questions you should be asking:

1. Is this rate only available on insured mortgages?
   If you have more than 20% equity, you may not qualify for the rate you saw advertised.
   

2. Can I make lump-sum payments or increase my monthly payment?
   Flexibility matters if you want to pay down your mortgage faster.
   

3. What’s the penalty if I break this mortgage?
   Life happens. Make sure you understand the cost of ending the term early. And be aware that prepayment penalties can vary widely between lenders.
   

4. Is this a short-term teaser rate?
   If the rate only lasts 6 months and then resets much higher, your long-term cost could be greater.
   

5. Is this a no-frills mortgage?
   Lower-rate products often remove useful features, which could limit your ability to refinance with other lenders, make prepayments, or move the mortgage with you if you buy a new home.
   

6. Can I transfer this mortgage to a new property?
   If you move, a non-portable mortgage could mean thousands or even tens of thousands in prepayment penalties.
   

7. Is this a fixed or variable rate?
   Fixed gives payment stability, while variable rates move with the market. What fits your risk tolerance?
   

8. How is the fixed-rate penalty calculated?
   Not all lenders’ penalty calculations are created equal Some use harsher comparison rates in their IRD (interest rate differential) formula, which can make breaking your mortgage more costly.
   

9. What’s the lender’s reputation?
   A low rate won’t mean much if service is poor or approvals are rigid.
   

10. What’s the total cost over the term?
    Ensure you know the total cost, not just the rate.

A better mortgage is about the full picture
Choosing the right mortgage is about more than rate. It’s about flexibility, protection, and making sure your mortgage fits your life…not just your budget.

Have questions or want a personal mortgage referral? I’m always happy to connect you with trusted pros like Paul—just reach out anytime.

Jacqueline Ross, REALTOR® 
Coldwell Banker Oceanside
(250) 415-5656
jac@yourvanislehome.com
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Summer is officially here—and whether you’re enjoying your forever home or planning to list later this year, now’s the time to give your space a seasonal refresh. Staying on top of maintenance not only protects your home’s value but also helps you enjoy it more fully during the sunny months.

Here are five essential tasks to consider this June:

🧽 1. Power wash outdoor surfaces
Decks, patios, siding, and even walkways benefit from a fresh blast to remove moss, pollen, and dirt. Don’t forget to check your driveway for oil stains or grime buildup.

🍃 2. Clean out your gutters
Even in summer, clogged gutters can cause trouble during unexpected downpours. If you’re not up for the ladder work, many local services offer quick cleanings.

🔨 3. Inspect your roof
A sunny day is ideal for a quick look at your roof—missing or cracked shingles, worn flashing, or signs of moss should be addressed now before the fall.

🌼 4. Refresh your garden beds & mulch
Trim back overgrowth, add a pop of colour with new annuals, and top up your mulch to conserve water during drier weeks.

💧 5. Tune up your irrigation system
Sprinkler or drip system? Ensure everything is working efficiently—leaks and uneven coverage can lead to high bills or stressed plants.

🌸 Bonus Section: Living in a Condo or Townhouse? Here's Your Spring/Summer Checklist

Even if your strata handles exterior maintenance, there are a few smart seasonal tasks you can take on to keep your unit in tip-top shape:

🪟 Check and clean your windows & screens
Use a mild detergent and a soft cloth to remove dirt and dust buildup. Fresh screens let in the breeze without the bugs.

🌬 Service your HVAC or A/C units
If your unit has in-suite heating/cooling, book a filter replacement or maintenance check before the hottest days arrive.

🧺 Clean your dryer vent
Lint buildup is a serious fire hazard and can reduce your dryer’s efficiency—ask your strata if you’re unsure where the exterior vent is.

🪴 Add summer life to your balcony or patio
Container plants, herbs, or a cozy chair go a long way in making your outdoor space feel like a seasonal retreat.

✨ Thinking of selling this year?

Buyers notice the little things. Seasonal maintenance and fresh curb appeal (yes, even for townhomes and condos) can help your home stand out in photos and showings. Want a personalized list to get ready? Just reply or send me a message—I'd be happy to help.

Jacqueline Ross, REALTOR® 
Coldwell Banker Oceanside
(250) 415-5656
jac@yourvanislehome.com
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The crocuses are blooming, the days are getting longer, and "For Sale" signs are popping up everywhere. Welcome to the spring housing market! While the warmer weather and increased inventory make it an exciting time for first-time home buyers, it's also traditionally the busiest and most competitive season in Victoria.

But don't let that deter you! With the right preparation and strategy, you can navigate the buzz and land your dream home. Here's what first-time home buyers should focus on to stay ahead and get the house they want this spring.

1. Get Pre-Approved, Not Just Pre-Qualified (and Do It NOW!)

This is the golden rule for spring market success. A mortgage pre-approval is miles ahead of a pre-qualification. A pre-qualification is a quick estimate of what you might be able to borrow, while a pre-approval means a lender has verified your financial information, credit score, and income, and committed to lending you a specific amount.

Why this matters in spring:

• Shows you're serious: In a competitive market, sellers and their agents prioritize offers from pre-approved buyers. It signals you're financially ready and reduces the risk of the deal falling through.

• Know your true budget: You'll have a clear understanding of exactly how much you can afford, saving you time and preventing you from falling in love with homes out of your price range.

• Act fast: When that perfect home appears, you'll be ready to make a strong offer without delay. Homes in the spring can sell in days, even hours!

2. Understand Victoria's Market Dynamics

While the overall Victoria market has seen some shifts, the spring market still brings a surge in listings and buyer activity.

• More inventory, more competition: You'll have more homes to choose from, but so will everyone else.

• Be prepared for quick decisions: Desirable properties, especially in prime locations, will move very fast.

• Monitor local trends: Work closely with me as your real estate agent to understand the specific dynamics of your desired neighbourhood. Are bidding wars common? Are prices holding steady or declining?

3. Define Your "Must-Haves" vs "Nice-to-Haves"

Before you even step into your first open house, sit down and make a comprehensive list.

• Must-haves: These are non-negotiable features (e.g., number of bedrooms, specific school district, attached garage).

• Nice-to-haves: These are features you'd love but could compromise on (e.g., granite countertops, a specific type of flooring, a large backyard).

• Deal-breakers: What absolutely won't work for you (e.g., on a busy road, needs major structural repairs).

Having this clarity will help you filter listings efficiently and make confident decisions when you're under pressure.

4. Assemble Your Dream Team

You wouldn't build a house without an architect and a contractor, so don't buy one without the right professionals!

• Experienced Real Estate Agent: I’m a local agent who truly understands the spring market in your desired area is invaluable. I’ll give you early access to listings, help you craft competitive offers, and navigate negotiations.

• Mortgage Broker: While banks offer their own products, a mortgage broker shops around with multiple lenders to find you the best rates and terms. They can explain different mortgage types (fixed vs. variable) and help you understand your options. I can recommend great professionals to work with.

• Home Inspector: Even in a fast-paced market, do not skip the home inspection. Spring weather can reveal issues that might be hidden in winter. A professional inspection can uncover potential problems and save you from costly surprises down the road. Need one? I’ve got you!

5. Be Ready to Make a Strong, Strategic Offer

In a competitive spring market, your offer needs to stand out.

• Competitive Price: As your agent, I’ll help you determine a fair and competitive offer based on recent comparable sales. In some areas, offering slightly over asking might be necessary.

• Limit Contingencies (Carefully!): While contingencies (like financing or inspection clauses) protect you, too many can make your offer less attractive to a seller. We’ll discuss which ones you can safely reduce or waive, especially if you have a solid pre-approval.

• Flexible Closing Date: Accommodating the seller's preferred closing date can give you an edge, even if your price isn't the absolute highest.

• Personalized Letter (Optional but Powerful): A heartfelt letter to the sellers, explaining why you love their home and envision your life there, can sometimes create an emotional connection that sways their decision.

6. Budget Beyond the Purchase Price

Many first-time buyers focus solely on the down payment and mortgage, but there are other significant costs to factor in:

• Closing Costs: These include legal fees, property transfer tax, title insurance, appraisal fees, and more. They typically range from 1.5% to 4% of the purchase price in Victoria.

• Property Taxes: Don't forget these ongoing costs!

• Home Insurance: A mandatory expense when you have a mortgage.

• Moving Expenses & Initial Repairs: Factor in costs for movers, new appliances, or any immediate fixes.

The spring market offers a fantastic opportunity for first-time home buyers in Victoria, with more choices and potentially easing prices in some segments. By being prepared, proactive, and working with the right professionals, you can confidently enter the market and achieve your homeownership dreams this season.

Don't just dream about your first home – make it a reality this spring! Start your pre-approval process today and connect with me, your trusted local real estate agent, to get a head start.

Jacqueline Ross, REALTOR® 
Coldwell Banker Oceanside
(250) 415-5656
jac@yourvanislehome.com
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Buying a strata property can be an exciting step towards homeownership. However, it's crucial to remember that along with your mortgage payment, property taxes, and utilities, you'll also have monthly strata fees. These fees cover a range of expenses related to the upkeep and maintenance of the building and common areas. Failing to factor in these fees can significantly impact your monthly budget and potentially strain your finances.

What are Strata Fees and What Do They Cover?

Strata fees are a recurring monthly charge levied on each strata lot owner within a strata corporation. These fees contribute towards various expenses, including:

• Building maintenance: This includes routine maintenance tasks such as landscaping, cleaning common areas, and repairs to the building structure.

• Insurance: Strata fees often cover building insurance, which protects the building and common areas from damage or loss.

• Amenities: If your building has amenities like a gym, pool, or party room, the fees will contribute to their maintenance and upkeep.

• Reserve fund contributions: A portion of your strata fees goes towards a reserve fund, which is used for major repairs and replacements, such as roof replacements or elevator upgrades.

• Property management: If your building has a property manager, their salary and administrative costs are typically covered by strata fees.

Why are Strata Fees Important for Your Budget?

Strata fees can vary significantly depending on the size of the building, the age of the building, the amenities offered, and the quality of building management. It's essential to consider these fees as a non-negotiable part of your monthly housing costs.

Here's a simple breakdown of how to factor strata fees into your budget:

1. Estimate your monthly mortgage payment: Use an online mortgage calculator to determine your estimated monthly mortgage payment based on the purchase price, interest rate, and loan term.

2. Calculate property taxes: Research property tax rates in the area and estimate your annual property taxes. Divide this by 12 to get your monthly property tax payment.

3. Estimate utilities: Consider your estimated monthly costs for electricity, gas, water, and internet.

4. Factor in strata fees: Obtain a copy of the strata corporation's financial statements to get an accurate estimate of the monthly strata fees.

5. Create a monthly budget: Add up your estimated mortgage payment, property taxes, utilities, and strata fees to determine your total monthly housing costs.

6. Factor in other expenses: Don't forget to include other essential living expenses such as groceries, transportation, and entertainment in your overall budget.

Tips for Budgeting Effectively:

• Review your strata corporation's financial statements: This will give you a better understanding of how your strata fees are being used and whether there are any upcoming major expenses.

• Consider the long-term implications: Keep in mind that strata fees can increase over time due to factors such as inflation and the need for major repairs.

• Build an emergency fund: Having an emergency fund can help you cover unexpected expenses related to your strata property, such as special assessments or unexpected repairs.

By carefully considering strata fees and incorporating them into your monthly budget, you can make an informed decision about whether strata living is the right choice for you and ensure that you can comfortably afford your housing costs.

Ready to start your condo search? Contact me today for a personalized consultation and let's find the perfect home for you.

Jacqueline Ross 
REALTOR®
Coldwell Banker Oceanside
250.415.5656
YourVanIsleHome.com
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