Monthly Archives: March 2017

How to Spring Clean the Roof

It may seem like a novel idea to perform spring cleaning on the roof, but making it a part of routine maintenance will help your roofing materials last longer with less need of roof repair. Some of the job can be done by you, but you will want to incorporate the help of qualified roofers to assist in some of the more treacherous parts of roof inspection.

Remove Leaves and Other Small Debris

A leaf blower will be your best friend in doing the chore of removing small debris like leaves, pine needles or small twigs. A 6-foot step ladder should allow you enough height to reach the roof of a single-story home. You should call in a professional to tackle a two-story and higher. You do not need to make sure that every bit of debris is gone, but only a majority. This material can hold moisture and cause mold to begin growing.

Rubbing Tree Limbs

You may have trimmed the tree limbs a few years back, but they will regrow. Limbs that rub constantly against the shingles will wear down the granular coating that protects the material from the weather and sunlight. Make sure that all tree limbs are trimmed back to where there is no danger of contact with the roof during heavy winds.

Clean Out the Eavestrough

Take the opportunity to inspect and clean out the eavestrough before spring rains get started. A consistent build-up of small sticks and leaves make a perfect area for insects to dwell and can cause an overflow of water that will go up under your shingles. The water will then find ways to access the interior areas of the home. Make sure that the cold winter temperature did not cause any of the attachment hardware to break. Loose eavestrough can bang against and damage siding.

Kill and Wash Away Mold

A mix of 1-cup chlorine bleach, 1-gallon of water and a tablespoon of dish-washing liquid will kill mold that tries to take over damp areas of a roof. Simply spray it on and let it set a few minutes. Use a standard garden hoe to rinse it off. Never use a pressure washer to do the job. The strong spray of water will damage your shingles. Gentle is best. Cover plants with plastic so that they will not be harmed by the bleach.

Check for Missing Shingles, Broken Shingles and Damaged Eaves or Flashing

Hire roofing Toronto contractors to completely inspect the shingles for missing, broken or otherwise damaged that need replaced. Check the eaves for rotting, loose boards or other damage. Make sure all flashing around chimneys and vents is in place.

Contact local roofing experts to help in the process of spring cleaning the roof. It is an affordable way to extend the life of what helps protect your home from the elements.

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How to Get a Mortgage in Canada

Many people have trouble deriving the meaning of a second mortgage. It is simply a loan you take after the first mortgage. Before you apply for another mortgage, do some homework and serious calculations. Here are some of the things you need to do to get a second mortgage in Canada.

Know the risks of a second mortgage

Second mortgages will add up to your monthly bills. Most of them have high interests because of the high risks involved. Mortgage brokers will take your house as collateral before they disburse the loan, and this may put your house at risk. In case you fail to repay the loan, the lender has the legal right to list it for sale to recover the interests and principal amount.

Make a realistic budget

You must have an effective financial plan before you consider a second mortgage. You want to make sure that the payment on the home equity and credit is affordable. Look at your monthly needs. You want to make sure that only a third of the income covers loan repayments and other housing costs. The housing costs could include rent, property tax, utilities and homeowner’s insurance.

Know your credit score

You should know about your credit score before you apply for a Canadian mortgage. You can get a free copy of your report by asking for a credit file by email. Check with Equifax Canada or TransUnion Canada for a comprehensive report on your credit. If you cannot wait for an email, you will have to pay $15 to get an instant report. The lender will use the credit score to determine whether you are eligible for a second mortgage.

Know the amount of equity you have in your income

You must determine how much equity you have in order to qualify for a mortgage financing. The equity is the value of the house minus the total amount you have accumulated in debts. For instance, if the amount of interest and principal is $80,000 and the value of the house is $150,000, your equity will be $70,000. The lender will use this amount to estimate the amount of money you can qualify for.

Appraise the house

Having your house appraised is a key step when applying for a second mortgage. You need to call a specialist to determine the exact value of the house. He or she will consider the price you paid for the house, any changes to the neighborhood and the improvements you have made. Make sure you go for someone who has an experience in appraising houses within your area. Finally, get in touch with your bank and ask for the best rates. Make sure you compare rates from many banks and local lending institutions. You may be able to find more resources and insights at the Canadian Mortgage Services website.

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6 Tips to Prepare for Moving Day

When scheduling a household move, it’s easy to overlook incidental but important details that can make the process run smoothly. As you plan for the big day, consider making a checklist with the following items to help you be ready when the movers Toronto arrive.

Board the pets.

Even if you own a docile cat that wouldn’t hurt a flea, it’s best to keep animals out of the way when moving day comes. Not only can pets be a distraction to the movers, but they also can get inadvertently sealed in a moving box or end up outdoors when someone leaves the door open while moving things to the truck. Find a reliable pet boarder who will keep your furry friends safe and comfortable.

Plan meals.

If you don’t arrange food ahead of time, you’ll probably end up eating something on the run, leading to stress and indigestion. Use the crockpot for sloppy joes or put some cold cuts in the fridge. Anything that requires minimal preparation and cleanup will work. Healthy fruits, veggies, and nuts to snack on will help to keep everyone energetic and alert.

Label everything.

Boxes and crates should be clearly marked as to contents, using transparent tape or sticker labels. Unpacked miscellaneous items like folding chairs that could logically be placed in various rooms should have a label indicating where they will go at the new house.

Prepare a printed schedule.

Write a general timeline of activities for the day, starting with final preparations before the movers arrive. Provide a copy to the moving company in advance. Include loading and unloading times, transport, meals, errands such as a quick trip to the ATM, and related errands. Allow extra time for unexpected delays due to weather, traffic, etc.

Say goodbye to neighbors beforehand.

To prevent neighbors from stopping by as the movers are busily involved getting the house emptied, say your goodbyes ahead of time. Let them know when the movers are coming so they can discreetly stay out of the way. If neighbors’ pets are used to running into your yard for a friendly greeting, ask neighbors to pen up their animals while the moving company is there.

Schedule utility turnoffs on another day.

While it may seem like a great idea to have everything done in a single day, it’s more convenient to have the utilities turned off after the move, rather than before or during. It won’t take long, and the reduced stress of juggling workers and technicians will be worth it.

Check with Hudson Movers about other needs they may have, like plastic wrap for delicate items or quilted support in the truck to protect furniture. Advance planning ensures a smooth move.

Image Credit: Nbxbshop

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