Home Staging

Your staging experience begins with a full assessment of your property and the evaluation of your home’s market appeal. Your stager will discuss flooring, walls, ceiling, windows, furniture arrangement, focal points, and anything that needs to be pre-packed, re-arranged, repaired or replaced. Each client will receive a personalized report based on their specific needs. The report will explain what is required to be completed before the property goes on the market.

The next step is preparing your home to be showcased. Your detailed report will provide you with specific suggestions on how to quickly transform your home into that “move in” condition buyers are looking for. This step must be completed before the actually showcasing takes place.

Showcasing is the last step and is arranged just before the photos are taken. Sam’s team will stage your home showcasing it to its greatest potential. Showcasing involves a design plan to successfully capture the interest of buyers. There is more value to a potential buyer when they view a property that is not only attractive but appeals to them as a home that they can easily envision themselves living in. Furniture, lighting, art and accessories will be provided from Sam’s staging inventory. Selections will be based on what is most needed and what is best suited for your property.

Sam understands the importance of first impression and the true benefits of staging. Many of Sam’s clients are local builders and investors for whom he has provided model home staging as an additional service. If the home you are selling is vacant, potential buyers will find it hard to make sense of a floor plan without furniture as a guide. Sam’s staging department will design and furnish your property inspiring buyers to imagine living there. Furniture, lighting, art and accessories will be provided from Sam’s staging inventory.

Your down payment is the portion you put toward the purchase price of your home. In Canada, the minimum down payment is 5%, but putting down more can reduce your mortgage costs over time. That said, it’s important not to overextend. Protect your cash flow and think long term.

If your down payment is under 20%, your lender will require mortgage insurance (usually through CMHC). This protects the lender, but it also helps you enter the market sooner. The smaller your down payment, the higher the insurance premium—but you can still finance up to 95% of your purchase price.

You can often choose between monthly, bi-weekly, or weekly mortgage payments. Accelerated bi-weekly payments can help you pay off your loan faster and reduce interest—just ask your lender what fits your budget and income cycle.

Many Canadian mortgages allow you to make lump sum payments or increase your regular payments annually without penalty. These features can save you thousands in interest over time. Ask your lender what prepayment privileges are included in your mortgage agreement.

A fixed mortgage gives you peace of mind with predictable payments. A variable rate can offer savings, but it comes with more risk. Your choice depends on your financial goals and comfort with rate changes. A mortgage specialist can help you weigh the pros and cons.
Need a mortgage expert in the GTA? We’re happy to connect you with trusted professionals who can help.