5 Tips to Make Your Plan to Buy a Muskoka Home a Reality

pexels-photo-461024.jpegDid you start your New Year off with a plan to buy a Muskoka home? Well here are some tips to help you whip your financial resume into shape to improve your home-buying odds.

1. Keep your employment stable
Your employment history and income are the two biggest factors most bankers and mortgage brokers are going to look at once they have verified your deposit. While a new job may be a great career move and very exciting prospect it is not what they will want to see on an application. This is especially relevant if you are changing career paths completely. A mortgage lender wants to see stability and if you plan to buy in 2018 you should consider this before accepting a new opportunity. A steady job history and few or no gaps in employment over the past two years are ideal as it helps lenders more easily
forecast your future income.

There are times when it can be beneficial. If you’re moving from a commissioned or hourly job to one that is salaried with equal or more compensation, it may help your application, as banks tend to prefer applicants with steady, predictable incomes.

If you do get a new job while home shopping, let your bank or broker know as soon as possible. It doesn’t mean you won’t qualify for the mortgage, but you are much better off being transparent than having them find out and not advance funds at closing.

2. Keep tabs on your monthly spending
Credit cards are almost a necessity in building a credit rating but keep the maximums low. Even if you pay off your credit card every month, you could be flagged for high credit utilization if your credit report is pulled mid-cycle. In addition, if the available balances are high then many banks will factor that into their calculation when working out the amount of debt you can service.

Monthly subscription services are very common now and are certainly convenient, but they can add up and affect your qualifying ratios.
3. Build yourself a solid credit history
One of the first things a lender will look at is your credit history which is different from the credit score. A bank or broker is going to want to see that you have a history of paying off debts, like credit cards, on time because it signals that you’re less of a risk and a responsible borrower.

If you don’t have credit, securing a home loan may be significantly more challenging and maybe even impossible or very expensive.

4. Monitor your credit score
Your overall credit score can have a significant impact on your ability to buy a home. A low credit score can negatively affect how much money a lender is willing to loan you, as well as your interest rate.

Just a few percentage points difference in an interest rate can cost you thousands over the life of a mortgage. Monitor your credit closely, especially for fraudulent activity, to prevent any surprises that could delay the loan application process. There are many services available that are both free and subscription that can be used to see your score. Most of these sites give tips on how to improve it too, but remember the very best way is to pay on time and in full.

5. Save your money!
Avoid taking on large new debts — whether it’s buying a car or planning a large vacation consider waiting, even if you’re already preapproved.

Your debt-to- income ratio, or how much money you make compared to how much debt you have, can significantly affect how much money a lender is willing to give you. Keeping debts to a minimum can help make the home-buying process go a lot more smoothly.

Just like proofreading your resume before you apply for a job, improving your financial resume can help better your chances of buying a home.

Take advantage of online tools and resources. Speak with a bank or mortgage broker who can help you determine how much home you can afford. Find a Realtor who will guide you through the process and be willing to take the time needed to do it right. Remember that often the difference between a good credit profile and a bad one if just a few moths of personal discipline and the reward will be fulfilling your dream to own your own home.

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Enjoy the Holidays Without Spending the Down Payment for your Muskoka Home!

Gifts - Karen ActonHave you been saving like crazy to buy your first Muskoka Home or Cottage?  As a Realtor, I often see buyers, diligently putting as much away as they can, hoping to be able to buy that special fist home only to get their saving hopes hijacked with the holidays and the inevitable gift buying season!

It is easy for this time of year to make a dent in of anyone’s savings my own included. So, I have done my usual google research and complied a listed of good spending habits to help me enjoy the holiday season while staying on a budget and I think it will help you too.

Understandably each person’s budget may look different, and what might work for me may not work for you. So here are some tips to help you survive the holidays without blowing your budget. You can use them all or just one or two.

Have a realistic holiday budget

Determine how much you can afford to spend during the holidays. It is best to create a realistic budget for yourself. Record and add up all the projected costs of your holiday events, gifts, decorations, travel and anything else you can think of.

Then you need to look at the cash you actually will have available for the holiday season. Since you don’t want to go into debt or blow you budget, you want to make sure that you’ll have enough money for all your holiday expenses. If the budgeted expenses are greater than the actual expected income you need to adjust the budget. This may mean taking a hard look and deciding where can cut back.

The idea is to trim your holiday expenses until you have a budget that is easy to manage and will prevent you from getting into debt.

Shop early and shop sales

Planning your gift list in advance will give you the chance to watch and see when these items go on sale either in the local stores or on-line.  Shopping early also ensures that you have the best selection, since items can sell out closer to Christmas.

Check the many websites

Sometimes the best shopping deals can be found online. While we all love to shop local sometimes you do not have that luxury.  Amazon, E-Bay, Pintrest are all great places to find what you want. Most major stores have order on-line shopping many with pick up in store options. You may want to investigate shopping on the cash back sites like Ebates. Ebates represents over 2,000 online stores, including Amazon, it’s easy to save money and get cashback on your online purchases.

Compare prices in store and online

Sometimes you can find special promotions happening online only.  Some of the bigger online retailers have lots of special offers and offer memberships that get you free shipping so if you are buying a lot from that source a membership may be a good investment.

Not all gifts cost money

If your holiday budget is tight or you want to buy a gift for the person who already has everything, consider giving the gift of time or experience this year. Life is about relationships and giving the gift of time allows you to invest and nurture those relationships. You could cook a meal or two, decorate their tree, take care of their children while they shop or go on a date. There are so many options, and all will be appreciated.

Consider a gift exchange

If you have a large group of friends or family, it can get very expensive buying gifts for everyone, especially if money is tight. I recommend suggesting a gift exchange or secret Santa where you draw names. This way everyone can receive a nice gift, which is probably more thoughtful, and saves everyone a lot of money.

NO GIFTS

I know many people who are starting to boycott gifts during the holidays. This is not just to save money but often a way of getting back to the real meaning of the holiday season. Of focusing on spending time together being thankful rather than stressed. There’s no shame in letting others know that you won’t be participating in gift exchanges this year because you’re saving up for a down payment or one of your other financial goals.

In fact, people are probably experiencing a similar financial situation and will be thankful that you started the conservation. It’s important to set expectations though for family and friends if you choose to boycott gifts this year. And remember that the true meaning of Christmas is not about gifts.

Last years dress will do!

We all feel the pressure to buy a new outfit for each holiday event or party that you need to attend. Buying a new outfit feels good and we think we cannot be seen wearing the same thing as last year. However, it is simply not important. While a few people may remember what you wore last year it is not important. Your friends will be far happier to see you than what you are wearing.

Plan for each holiday event you wish to attend

It’s important to make a list of all the holiday events you plan on attending and include them in the budget. Whether it’s a family gathering or a fancy work party, each event has the potential to cost you money.

Consider how far you need to travel and the cost of fuel and perhaps accommodations, food or drink that you need to contribute, host/hostess gifts and any other hard cost. This will allow you to determine how much money you need to set aside to attend each event, so you can stay on budget.

The Holiday Season is a wonderful time filled with fun, family and social activities but it is wise to not let is take control of your plans. After all the holidays are a few days long and the home you are saving for will be yours for many years.

Planning a New Kitchen in Your Muskoka Home?

Sargeant49 important questions before you start

We all want a dream kitchen so before you start here are some tips experts have developed to help you get one. Start with a clear view of what you intend. Focus on the things you want and those you need. This will help you see where you can compromise if necessary and where to stick to your goals.

A kitchen renovation can seem overwhelming when you start the process. There are lots of elements to get right. It is not simply the design but all the other factors from appliances to how will it fit the style and décor of the rest of your home or cottage.

1.Define the vision. Ask the big questions before you do anything. You need to establish how you want your kitchen to function. Do you have a large family and want your new kitchen to be the place where you all spend time, eat meals do home work? Do you love to entertain and envision a stunning space to show off your culinary skills? Ask yourself some clear questions to help build your vision, do you love to cook or is it a necessary function? Will you need a desk or work space here?
By asking yourself questions before you start making decisions you identify exactly what you want and what you need out of your available space. By knowing what you want at the beginning you are less likely to get off track once you have started.

2.What are my needs? After you’ve defined the vision or theme of your new kitchen, you need to identify the nonnegotiable things that are at the top of your wants and needs list. Your needs are the things you cannot do without. Things like an eating area or a large window – the important things that will control your joy level when being in the new kitchen. Don’t over focus on things that will go out of fashion over time like paint colours or even appliances as they can all be changed. Hopefully, you won’t need to make compromises on these needed items.

3. Making a compromise or two. Once you have defined the vision and made sure the needs are in place it is time to look at your want list and perhaps some of the compromises that may be required. You may want a new gas range but it is not in the budget! The solution is simple, make sure the space for the dream stove is created now but buy it next year and use your existing one for now. Some compromises are a bit harder to make. You may have wanted a feature that the space available simply cannot accommodate and that is a tougher compromise to come to terms with.

4.Creating an efficient layout? The layout of your kitchen is a big decision, and you may need professional advice. It is best to sketch it carefully and note where the gas and electrical outlets are going to be for each appliance, and of course drainage for plumbed items. Kitchen designers like to create zones for cooking, washing and prepping which is a great tip for creating good flow.

Consider the space between cooktops and windows or tower cabinets, and between electrical outlets and sinks. Think about which appliances can sit near others, and remember to make sure doors can open safely. Don’t put islands too close to a run of cabinets as you will want to be sure to have a comfortable walkway. Many cabinet retailers will have software that can draw a plan for you and some will even visit your home or cottage to measure and check the positions of things.

5.Don’t forget the lighting and heating? It is very important that while you are still in the planning stage you consider the accompanying elements of your new kitchen design. The lighting and heating are important and it is vital to get it right, not only to create a welcoming atmosphere, but also to see clearly while you’re cooking! Decide whether you need direct lighting over the work surfaces and pot lights in the ceiling. Lighting has come a long way and there are some very glamorous options that can have a significant impact without a huge cost.

The heating system is like the kitchen cabinets and appliances, it’s best to decide on positions for these at the outset so that you can get services installed at the correct locations before the kitchen goes in. Once you’ve decided on the layout of your heating and lighting, as well as the position of your appliances and cabinets, try not to make any huge changes as it can be costly to reposition or divert your utilities once you’re at the installation stage.

6.Don’t forget about building permits? If you’re having structural, electrical or plumbing work done as part of the job, you may need to obtain a building permit before you start work. If you’re undertaking this level of work you may have an architect or a building contractor who will be able to tell you how to go about applying for the right sort of permission for the job.

7.What’s my style?Once you have determined all the practical aspects of your reno you can start to think about the fun stuff! You most likely have browsed the internet or the pages of decorating magazines but now with your vision, wants and needs list you can zoom in on the final “look” you want. Perhaps it’s a farmhouse kitchen with a huge harvest table or perhaps a sleek minimalist block with hidden appliances? Whatever you seek, with careful planning you should be able to achieve it and  stay within budget.

8.Hiring a contractor? Perhaps the weightiest decision you will have to make when undertaking a kitchen reno, is choosing the right people to do the work. Many builders will be happy to take on your whole project, with responsibility for the building work, cabinetry, electrical and plumbing considerations too. However, if you are not making any structural changes you may not need a building contractor. You can act as your own general contractor and coordinate the tradesmen you need to do your project. You may need to employ a cabinetmaker, a certified plumber or electrician, tilers and drywall and plaster experts as well as flooring and heating trades. Remember to ask for estimates and get references.

9.Choosing the finishes. Before the work has started finalize as many things as possible like sinks and faucets, countertops, and appliances as well as the tile and flooring. Don’t wait until your contractor needs the items and you rush to obtain them, rather get ahead of the time line so that you won’t be rushed at installation stage. This will ensure that you do not make snap decisions that you may later regret.

These 9 steps are a great guide to a successful kitchen renovation. No matter the reason for the reno, getting it right will bring you a great deal of pleasure and add value to your Muskoka home or cottage.

Net Zero Homes and Muskoka

Net-Zero-highres Image

Net Zero Home by Reids Heritage Homes in Guelph Ontario.

In May 2017, the Canadian Home Builders’ Association (CHBA) officially launched the Net Zero Home Labelling Program, which is focused on building fully energy efficient communities.

Kevin Lee, CEO of CHBA said “The Net Zero Home Label will help to meet the energy efficient housing aspirations of Canadians, and renew Canadian industry leadership in high performance housing. CHBA members have always been leaders and innovators – this program continues that trend.” He went on to say “Our National Home Buyer Preference Study confirmed that consumers want and expect an energy efficient home. Our members have a long history in delivering high performance homes and are ready and eager to deliver the next generation of high performance housing to discerning Canadian home buyers. Our Net Zero Home Labelling Program provides third party confirmation for both the industry and the consumer.”

According to the CMHC web site a Net Zero Home (NZE) is one that is designed and built to reduce household energy needs to a minimum and includes on-site (not all definitions require on-site but CMHC does) renewable energy systems, so that the house may produce as much energy as it consumes on a yearly basis.

According to the CMHC a Net Zero home is not necessarily an “energy autonomous” one. It does not have to be “off-grid” and can be connected to electrical service. This is so that it can supply electricity to the grid when it is producing more than it needs and draw from the grid when household demands exceed the amount of electricity produced on site.  The NZE designation is about the net annual consumption of energy being zero.  The intention is that  over the course of a year, the energy supplied to the grid balances the energy drawn from the grid, therefore giving a  net- zero annual energy consumption.

Kevin Lee said that the CHBA is “ showing support for leading-edge innovation in the residential construction industry that with the goal of having those innovations as a voluntary and affordable choice for consumers,”  CHBA feels that the Program benefits builders and buyers by clearly defining the two-tier requirements for Net Zero and Net Zero Ready Homes. It also identifies the builders and renovators who provide Net Zero services.

So what do the designation actually mean?   Most of us are familiar with the ENERGY STAR designation which indicates that the home is 20% more energy efficient than the Building Code requires. A Net Zero Ready home will have to be up to 80% more efficient than code, and a Net Zero home will be 100% more efficient than code requirements.  The reason a Net Zero home is 100% more efficient is because it produces as much energy as it consumes.

Special training has been developed for members of the building and land development industry who are interested in achieving Net Zero. There are CHBA Net Zero Qualified Service organizations, energy advisors, and trainers that will work with builders and renovators to plan their next Net Zero project.

It’s becoming increasingly important to build and market energy efficient homes and communities. The CHBA conducted a nationwide home buyer preference study and discovered that four out of the top 10 ‘must have’ features in a new home were energy efficiency related.

So where in Muskoka can you find a Net Zero home you may ask. Well as far as I can tell nowhere yet! But because Muskoka, by its very nature, attracts people who desire to give more than they take I believe this is something we will be seeing more and more of. Builders like Mattamy Homes and Reid’s Heritage Homes are already offering Net Zero options in their developments.  Many more custom builders in our region are taking the required training to be able to offer this option to their clients. So, if you are planning to build a home or cottage in this area ask you architect and builder about Net Zero construction.

The Upside to Downsizing Your Muskoka Home

DownsizeYour children are grown and finally gone and settled into their own adult lives. You have gone through the woes of “empty nest” syndrome and you are now in the position to think about what is next for you!

Do you keep the big home and hope that you get to host the family holidays? Do you even want to do that?  Most of us eventually decide that a smaller home with less maintenance and overhead is the wiser thing to do, so here are some pros and cons to help you decide if there is an upside to downsizing for you.

Most often when I see clients downsize, they tend to move into into a smaller home or condo. Smaller homes very often are on smaller lots and both of these options can mean being closer to neighbours.

On the downside you can see and hear your neighbours.  This may be a negative but you can help moderate the effect by upgrading the window treatments in your home for privacy and strategically place screening plants in your garden or on your patio or balcony to make you new location more private.

The upside is you can get to know your neighbours. In most cases when you downsize you will find you have more time on your hands.  Less work to do around the home so having new friends in the neighbourhood is a great way to spend some of that time. Be social, old friends are great, but making friends next door will enhance the everyday enjoyment you have in your new home.

One of the things a larger home often has is storage space that smaller homes and condos usually lack.

On the downside storage becomes a premium. The double vanity in the old bathroom, the large hall closet, the full basement with a large utility room: these places may be gone in the new home. To counter-act this you may want to consider closet organizers and perhaps a bathroom makeover.

The upside is you can purge and then indulge: You may need to be a little brutal with yourself at first but pare down your “stuff” to only the things you need and love. Then give yourself permission to acquire only products you love as time goes on.  They may cost a little more but your new and efficient life style means you can afford to spend a little more on your favourite perfume and toiletries and use them every day rather than having 2 or 3 kinds and keeping the favorite one only for special occasions!

Most large family homes have formal sitting areas and family rooms. Often there is a craft room and a work shop. Lots of “hidey holes” for family members to have “me time” that may not exist in a smaller home.

The downside is that it is harder to have your own space. As a retired empty nester, you may have developed separate interests and activities from your partner so you will need to be intentional about giving each other the time and space needed to continue to do these activities.
The upside is that by being more exposed to your partner’s hobbies you may find you both enjoy them.  In addition, you will have a smaller home and fewer rooms that need cleaning so more time to spend together.

One of the biggest factors to consider when downsizing is what to keep and what to let go of.

The downside is your furniture may no longer work. Even if you’ve made careful decisions about what items you will keep and take to the new home there could be issues. A light-filled room can highlight stains you hadn’t noticed, the color or style may be all wrong for the space, and the way you find yourself using a room may mean that your furniture feels like a mismatch.

The upside is you are liquidating capital in the process and so can afford some new items: You have the perfect excuse to go shopping for new furniture and that is always fun!

The garden is usually a big adjustment whether you love to garden or not. Moving from a large home that likely has a larger garden to a smaller one with just a little one or even a condo with none can mean a big change.

The downside is your backyard shrinks, and your lifestyle changes along with it. For many this is a relief not a problem but if gardening is a passion for you, the solution is not as hard as you may think. There are often neighbours who can no longer manage their gardens who would love to allow you to help. Put a message on the community Facebook page and see how many replies you get. If you’re used to lazing by a back-yard pool and know you’ll miss it, consider a hot tub or a swim spa instead.

The upside is you have more time for you. Mowing the lawn will no longer be a time-consuming chore and the cost of the spring and fall turn around will be cut down considerably.  Remember, with some creative furnishings and plantings, a compact backyard can still meet your needs for a restful outdoor escape and a place to entertain family and friends.

By the time, you are ready to down size you have very likely been used to a large kitchen and cooking for a family. A smaller home or condo will usually mean a much smaller kitchen.

The downside is a compact kitchen changes the way you cook. When you have had oodles of counter tops and lots of storage perhaps even a pantry, cooking a family meal is relatively easy. A smaller kitchen will require you to clean as you go, plan your meals and shop for ingredients more often. It also means you need to reduce the quantities of serving dishes, glassware and kitchen gadgets that you keep.

The upside is that you can have fun learning new recipes. Embrace your downsized lifestyle and eat out more often. Meet friends out for dinner instead of having them over and when it comes to family events go to their home or make it pot luck and paper plates!

Another adjustment you will likely have to face is that your rooms need to serve more than one purpose. If you had a sewing room in your old home, you will most likely have to set up in a spare bedroom and pack things up for company.

The downside is rooms must serve more than one purpose. As an empty nester, you will have had the luxury of turning rooms the children once occupied into craft rooms, man caves, home offices and the like. When you downsize you will need to adjust to multipurpose rooms and make do, particularly when hosting guests.

The upside is less space less junk. You will be less tempted to accumulate stuff and buy only what you need or genuinely love.

Laundry rooms are often sacrificed in a downsizing move. Laundry rooms become laundry areas and in a condo may even be a community facility.

The downside is you need to plan your laundry day. If your kitchen and laundry become one or you need to leave your home to do laundry, figuring out what to do with baskets of washing can be a challenge. The typical laundry room is a prime dumping ground for all manner of items, such as shoes that need cleaning and stained items that are soaking in the sink, ironing board and so much more. You must find a way to eliminate this or “hide” it until laundry day.
The upside is small loads of laundry done frequently: Piles of laundry will become a thing of the past. Staying on top of washing, folding and ironing will become the norm.

Perhaps the biggest change and even the most difficult one to adjust to is how to handle house guests.

The downside is you have to plan well for company. Larger homes often come with guest rooms for visiting family but downsizing means you need to get creative to squeeze in more than one guest at a time. Bunk beds, wall beds, sofa beds and air mattresses are all options. It’s up to you how many guests you want to accommodate at once —and sometimes it will take a visit or two to see what will work.

The upside is smaller groups of visitors means more one-on-one time with them: If only a couple of family members can visit comfortably at once, quality time together is assured.

The decision to go from a large family home to a smaller one is not easy to make, but in my experience it is usually a good move with no regrets. I would be happy to help you with any questions you may have about the process and, of course, with the search for that new smaller abode.

8 Tips for a Successful Muskoka Home Renovation

Karen Acton - Renovating your Muskoka HomeIn my role as a Muskoka REALTOR® I am frequently invited into homes and cottages to give an opinion of value. These properties are in various states of maintenance and repair and often have been renovated by the home owner. These renovations span the whole gamut, from elegant and value-enhancing to lamentable and wasteful. So here are some tips that I believe will be helpful if you plan to renovate your Muskoka Home.

Set a Realistic Budget

If you plan to do a home renovation you really should have a clear idea of what you can afford before you start looking in magazines and picking fixtures and countertops etc. Talk to a contractor about realistic costs. Even if you plan to do the work yourself be sure to have a contingency fund built into the budget to allow for the unexpected. In my experience, there is nearly always a “surprise” element to every project.

Things to make sure you budget for include:

  • cost of preparing the space before you start the actual work (disposal of old materials)
  • relocating plumbing and electrical
  • light fixtures
  • paint and PRIMER – often skipped but will save time and money if done right!
  • flooring – will the existing floor be damaged in the process and need replacing or refinishing?
  • Permits – most renos WILL need permits and skipping them means that you could have issues when reselling and in some cases, void your insurance.
  • HELP – can you do it all yourself or will you hire out some parts?

Will Your Reno Suit Your Neighbourhood?

While most renos are interior and you may think immaterial to the neighbourhood you do need to consider the investment you are about to make. If your dream is to install an ensuite bath with a steam room that is wonderful but none of the homes in your area have this kind of luxury feature, you should understand that it is purely for your enjoyment while you own your home. You will not likely get any return on the investment. In fact, in some cases over improvements can devalue a home.

Remember not to ignore your home’s style when renovating especially if the renovation includes an addition. If you have a traditional Muskoka waterfront property, then a modern addition with walls of glass may not look esthetically appealing and will not generally improve value. While it may be your dream to own, it may not be the dream of many protentional future buyers. Work with your builder and architect to come up with a design that gives you the features you want but still fits the rest of the home or cottage.

Avoid Going Too Trendy

People sometimes make the mistake of wanting to be too hip and trendy in their new home by picking the latest, hottest, coolest things. I would encourage you to consider that trendy often means short term. While some of the hottest and latest trends will turn out to be timeless many will burn out fast and not only will you stop loving them quickly but the next buyer of your home or cottage will see them as “dated”.

To keep any room “trendy” pick accent items you can add rather than physical and structural ones. That way when the trend is over you can replace them with something new.  A good example of this is shag carpeting.  Rather than doing wall to wall, do a more standard floor finish and add a shag area carpet  and perhaps some shag accent pillows.  When shag goes out of style, and it will, replace these accents with whatever is the next trend.

Buy the Right Materials

One of the biggest mistakes that you can make when it comes to home renovation is to try to be frugal when choosing materials. The bottom line is, you’re going to get what you pay for.  Inexpensive and cheap are definitely not the same thing. Price check and be wise but being cheap will often lead to having to spend more in the long run. Cheap fixtures and products end up looking that way and invariably you will be disappointed and probably choose to replace then with the product you wanted in the first place.

Remember that if you’re going to do it, do it right. If you can’t afford to do it right, wait and do it later!

Do the Prep Work

Do it the right way the first time. Whatever the job get yourself ready before you start. Gather the right tools and prepare the space before you dip a brush in the paint or hammer in the first nail. You will be so glad you did.  I know it is the tedious part of any project big or small but if you fail to be prepared you will end up taking longer than needed and perhaps compromising on the quality of the finished job simply because you were too eager to get started.

One of the most important prep steps is the measuring. The old adage “measure twice, cut once” is the mantra of the great contractor and you should make it yours.  You can burn through a budget quickly by making cutting mistakes in your lumber or trim work and if ordering flooring, buying too much or too little will lead to total frustration. If you are not sure how to measure properly ask someone who knows. A quick lesson will save you time money and frustration.

Paint and Light

People often make the mistake of picking the wrong paint for whatever particular project they may be working on. It is important to use the correct type of paint for the surface. The best advice will come from the professional at the paint store but choose better quality paints with the right finish for the job.

Remember that your lighting needs to complement the colour palate you use and that typically most people gravitate to light and warm colours rather than dark and bold.

Get the Right Tools

If you are planning on doing the renovation yourself make sure you have all the tools you need to do it properly. This means that you may have to borrow or rent what you don’t have. Do not try to make the wrong tool do the job. This can lead to expensive mistakes and sadly even to injury to yourself or damage to the tool you are trying to make do the job. Knives are not screw drivers and chop saws are not miter saws so please be careful and make sure you have the right equipment to do the job safely.

You may even need to rent stand lights so you can properly see what you are working on and space heaters to keep you warm in the addition until the new heating is connected.

Embrace the Chaos

Once you have done the budget, designed and purchased the materials, sit down in and enjoy your last moment of calm for a while. Then take a big breath and embrace the chaos. While it is always best to try working in a clean and tidy space you need to accept that a clean and tidy work space is not a clean and tidy home. You will have disrupted meal times, dusty surfaces and hard to find possessions for the duration of the project. So embrace it, find humor in it and don’t get mad at each other or the kids over things that cannot change until the job is done.

 

I hope these tips will be useful and not too negative. Renovating your Muskoka home or cottage can be an exciting and worthwhile endeavor and if done well, will bring you many years of enjoyment and a good return on your investment when the time is right to sell.

Keeping Your Muskoka Home Mould Free

mould-in-bathroomCan you safely and permanently clean up mould and mildew in your Muskoka Home? We have all heard about how some moulds are toxic so how do you know what you can tackle and what you should leave to a professional?

As a Realtor, I see all types of homes and cottages, from elaborate and grand to small and cozy and I can assure you, that any one of them can be prone to mould. It is not a question of cleanliness but more one of ventilation.  When you find mould in your home it is better to take care of it sooner rather than later. Mould can cause health problems and damage what it grows on. The spores of mould fungi commonly float through the air and when they adhere to damp surfaces and start to grow, they can gradually consume the surface. The key to keeping your Muskoka home in great shape is to get the cleanup done before any damage happens.

There are lots of different types of mould which are more accurately called fungi. Many produce allergens that can cause health related reactions in some people

  • Eye, nose and throat irritation
  • Coughing and phlegm build-up
  • Wheezing and shortness of breath
  • Symptoms of asthma
  • Allergic reactions

Health Canada has a great web page with helpful video segments and lots of tips and recommendations.

Moulds cannot grow without moisture so controlling moisture is the key to preventing and or eliminating mould growth. Moulds are very fast growing organisms and can take hold in a very short time. Add a little heat to the mix and in just a few hours mould can have a real grip on your home. In warm Southern climates, if you leave your laundry in the washing machine for just a few hours after the cycle has finished, you could have mould all over the laundry.

Where is Mould Most Common

A leaky roof or plumbing, flood damage, or indoor humidity that’s too high and without proper ventilation can all lead to mould problems. Anyplace that remains damp and unventilated is a potential mould-forming zone. “Anywhere water travels” in a structure is vulnerable to mould. That includes areas where major plumbing arteries are located, crawl spaces with drains, walls plumbed from bathroom to bathroom and between floors. Incorrectly sealed tubs and faulty construction can cause water to seep into crevices and create big problems over time.  Buildings that are tightly sealed may lack adequate ventilation, which can lead to moisture buildup.

Most Mould-Prone Areas

  • Basements or cellars
  • Under kitchen and bathroom sinks
  • Under or behind refrigerators
  • Behind walls that house plumbing
  • Around air-conditioning units
  • Baseboards or around windowsills
  • Under carpeting

Mildew is another fungi-produced coating that can form on damp surfaces. Mildew usually grows in a flat pattern and appears powdery and white or gray. Moulds are darker in color, usually black or green but can be almost any colour. Moulds penetrate the surface of what it’s growing on. You may follow the same cleaning steps below to remove mould and mildew.

Mould Removal

Here are some options I’ve seen on a variety of websites for simple surface mould removal.

Bleach: Mix 1 cup bleach with enough water to make 1 gallon. Put the solution in a spray bottle, or spread it with a sponge or cloth. There’s no need to rinse.

Borax: Mix 1 cup borax with enough water to make 1 gallon. Borax is less harsh-smelling and corrosive than bleach. Apply the solution to the surface and scrub with a brush; don’t rinse. Wipe the surface dry.

Vinegar: Use full-strength vinegar in a spray bottle. Spray the affected area and wipe off.

Ammonia: This is suitable for killing mould on smooth, nonporous surfaces. NEVER USE IT WITH BLEACH. Treat the area with a solution of equal parts ammonia and water, leave on for 10 minutes, and rinse with water.

Hydrogen peroxide: Spray full-strength (3%)hydrogen peroxide on the mouldy surface and let it sit for 10 minutes to loosen the mould. Wipe the surface and don’t rinse.

Baking soda: Mix ½ teaspoon baking soda in 1 gallon water and scrub the mouldy surface, then rinse with water. This is particularly useful for killing mould on upholstery.

Tea tree oil: Use 1 teaspoon tea tree oil per cup of water and spray on the surface. Leave it on for a few minutes and then wipe off.

Note: Health Canada suggests that before beginning any mould clean-up, take steps to ensure that you do not expose yourself or others to mould spores. It is recommended that you wear an adequate breathing mask (N95 or better respirator), safety glasses or goggles and rubber gloves.

Even with adequate precautions, mould spores may become airborne. As a precaution during clean-up, children, the elderly and sensitive people such as those with asthma, allergies or other health problems should leave the house. Consult your physician if in doubt.

To Clean or Throw Away?

If the mould is on a porous surface, such as carpeting, ceiling tiles, drywall or wallpaper, the items might have to be thrown away since the mould may be impossible to remove.

When Should You Call a Professional?

Wiping down mildew in damp areas is always a good idea, but how do you know when it’s time to bring in a professional? Health Canada advises using a mould remediation expert if there is

  • One or more patches of mould larger than 1 square metre
  • More than three patches of mould less than 1 square metre
  • Patches of mould that keep coming back after cleaning
  • A mould problem that you cannot solve on your own

 

Testing for Mould

Chronic allergy-type health problems or mildew odors mean it’s time to consider more extensive mould treatment. Start by using a mould testing company, which will take samples, send them to a lab, and obtain a report on mould levels and species. Use a company that does testing only, to avoid a conflict of interest. Once the mould species are identified you can determine if a remediation specialist is indicated.

Mould Remediation

There is no doubt that some types of mould are toxigenic meaning they produce substances toxic to humans. They are rare in this region but it you have a lot of mould or several different looking moulds you really should call a professional to take care of the situation. Below are several companies that service this area and should be able to assist you.

Mold Removal | Mold Remediation | Muskoka, Huntsville, Bracebridge

www.svmmuskoka.ca/services.php?s=mold

Mould Removal & Remediation | Restoration 1 Muskoka

muskoka.restoration1.ca/moldremoval/

Mould Removal & Remediation ON | R&F Construction | R&F …

www.rfconstruction.com/mould-asbestos/mould/

 

How to Prevent Mould

Just like granny always said “an ounce of prevention is worth a pound of cure” so the very best way to deal with mould and mildew is to prevent it from growing in the first place.  Controlling moisture inside your Muskoka home is the key to avoiding mould. Consider an annual inspection of roofing, plumbing, exterior drainage and interior ventilation to verify that there are no repairs required. Check for leaks under sinks and in crawl spaces. Always use ventilation in a bathroom to remove condensation from showers.