{"id":12344,"date":"2017-05-25T01:00:59","date_gmt":"2017-05-25T05:00:59","guid":{"rendered":"http:\/\/www.zoocasa.com\/blog\/?p=12344"},"modified":"2017-05-24T16:57:25","modified_gmt":"2017-05-24T20:57:25","slug":"should-you-rent-or-buy-your-home-4-things-to-consider","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/should-you-rent-or-buy-your-home-4-things-to-consider\/","title":{"rendered":"Should You Rent or Buy Your Home? 4 Things to Consider"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/ad.doubleclick.net\/ddm\/trackimpi\/N2713.194872.ZOOCASA.COM\/B11099413.147711878;dc_trk_aid=320481297;dc_trk_cid=81158729;ord=[timestamp];dc_lat=;dc_rdid=;tag_for_child_directed_treatment=?\" width=\"1\" height=\"1\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<div style=\"display: flex; align-items: centre;\"><span style=\"font-weight: bold; margin-right: 7px; position: relative; top: 5px;\">Sponsored by: <\/span><a href=\"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N2713.194872.ZOOCASA.COM\/B11099413.147711878;dc_trk_aid=320481297;dc_trk_cid=81158729;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-11158\" src=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2017\/04\/cibc-logo.png\" alt=\"\" width=\"40\" height=\"40\" data-id=\"11158\" srcset=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2017\/04\/cibc-logo.png 200w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2017\/04\/cibc-logo-150x150.png 150w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2017\/04\/cibc-logo-75x75.png 75w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/><\/a><\/div>\n<div style=\"display: flex; align-items: center;\"><\/div>\n<p>Trying to decide whether to make the leap from renter to homeowner? Investing your hard-saved cash in real estate and building up equity can be a great financial move \u2013 but it\u2019s not the right choice for everyone. Here\u2019s what prospective home buyers should consider, before swapping rent payments for a monthly mortgage.<\/p>\n<h2>1. Weigh Your Lifestyle Needs<\/h2>\n<p>Buying a home isn\u2019t just a financial commitment \u2013 it will have implications for your lifestyle, too. Generally, once transactional costs and initial interest payments are factored in, most buyers need to hang on to their home purchase for about five years before they\u2019ll be in a position to sell and see a return on their investment.<\/p>\n<p>That means, you\u2019ll need to stick around for that length of time to make a home purchase worth your while. If you\u2019re unsure about your employment or family situation, for example, it may be better to hold off on putting down real estate roots. Or, if you suspect you\u2019ll need to move but want to buy regardless, consider a home with rental income potential and become a landlord yourself while you aren\u2019t occupying the property.<\/p>\n<h2>2.\u00a0Is Real Estate the Right Investment?<\/h2>\n<p>The adage that a home is likely the largest financial investment you\u2019ll ever make is true \u2013 and it\u2019ll be the longest, as well. While some <a href=\"https:\/\/www.zoocasa.com\/blog\/types-of-mortgages-how-to-pick-the-best-one-for-you\/\">types of mortgages<\/a> will allow you to make aggressive payments and shorten your overall repayment timeline, the typical amortization for a mortgage is 25 to 30 years. That\u2019s a long time to wait to realize the full potential of your investment, so ensure you\u2019re truly willing to tie up your money for the long haul.<\/p>\n<h2>3. What Can You Afford?<\/h2>\n<p>The first step in the home buying process is determining how much you can afford \u2013 and if you\u2019re currently renting, how your budget may differ month to month. Using an <a href=\"https:\/\/www.ratehub.ca\/mortgage-affordability-calculator\" target=\"_blank\">affordability calculator<\/a> that crunches your income, ongoing debt commitments, bills and utilities is a great starting point to see whether your budget has additional wiggle room for increasing shelter costs.<\/p>\n<p>Next, it\u2019s time to call in the professionals. Working with a mortgage broker to get a pre-approval for a mortgage rate will provide more insight into how much you will be able to borrow, and will help set a budget range for your home purchase. Wondering how much your mortgage payments will be? Try out a handy <a href=\"https:\/\/www.ratehub.ca\/mortgage-payment-calculator\" target=\"_blank\">mortgage payment calculator<\/a>, which will crunch your payment costs based on your desired home\u2019s purchase price, down payment amount, and potential mortgage rate. If you\u2019re comfortable with the amount you see, it\u2019s time to connect with a real estate agent and start the hunt for your dream home.<\/p>\n<h2>4. Factor in Surprise Costs<\/h2>\n<h3>You\u2019re responsible for repairs<\/h3>\n<p>As a renter, you\u2019ve got considerable peace of mind in knowing that should anything go wrong in your home, your landlord is generally on the hook for any maintenance or repairs. That\u2019s not the case when you\u2019re a homeowner \u2013 and it\u2019ll never be more apparent than when your sink suddenly springs a leak, or your furnace gives out.<\/p>\n<p>It\u2019s important to financially prepare for these potential surprises with a rainy day fund, and it\u2019s also smart to keep them top of mind as soon as you start your home search. If the home and major appliances aren\u2019t brand new and under warranty, be sure to inquire how long it has been since they were serviced or replaced and factor that into your plan. For example, a roof that will soon need to be replaced, or a crumbling foundation, should have their own dedicated savings plans.<\/p>\n<h3>Condo fees and assessments<\/h3>\n<p>This may differ if your home is a condo as parts\u00a0of your unit may be considered \u201ccommon elements\u201d, such as load bearing walls, HVAC unit and your front door. However, you\u2019ll need to pay monthly condo fees, which could vary widely depending on the age and management of the building. Condo owners may also be required to pay special assessments on occasion should the building require large emergency repairs or maintenance \u2013 definitely a nasty shock for any homeowner.<\/p>\n<h3>Changing mortgage rates<\/h3>\n<p>Depending on rent control rules in your province, your rent will likely rise by a certain percentage annually, or it may be exposed to free market rent factors. For example, prior to April 20, 2017 in Ontario, only rental units built prior to 1991 were subject to rent controls while all others could be increased at the landlord\u2019s discretion. Following <a href=\"https:\/\/news.ontario.ca\/mho\/en\/2017\/05\/ontario-protecting-tenants-from-unfair-rent-increases.html\" target=\"_blank\">new legislation that passed on May 18<\/a>, all rents \u2013 even those in <a href=\"http:\/\/www.zoocasa.com\/toronto-on-condos\">Toronto condos<\/a> &#8211; in the province may only increase by 1.5 per cent annually. This helps give renters additional predictability in budgeting their housing costs each year.<\/p>\n<p>However, mortgage rates aren\u2019t always so predictable. Those with <a href=\"https:\/\/www.zoocasa.com\/blog\/fixed-rate-vs-variable-rate-mortgages-which-is-right-for-you\/\">fixed-rate mortgages<\/a> could face a higher interest rate when it comes time to renew their term, and variable-rate mortgage holders are always subject to the interest rate set by the Bank of Canada. It\u2019s important to keep this in mind when establishing your home buying budget and to pad in at least a 1 per-cent buffer to protect your affordability should rates rise during your mortgage term.<\/p>\n<p><strong>Also Read:<\/strong><\/p>\n<p><a href=\"https:\/\/www.zoocasa.com\/blog\/types-of-mortgages-how-to-pick-the-best-one-for-you\/\">Types of Mortgages &#8211; How to Pick the Best One for You<\/a><\/p>\n<p><a href=\"https:\/\/www.zoocasa.com\/blog\/how-rental-income-suites-can-help-pay-your-mortgage-faster\/\">How a Rental Income Suite Can Help Pay Your Mortgage Faster<\/a><\/p>\n<p><a href=\"https:\/\/www.zoocasa.com\/blog\/what-is-the-difference-between-mortgage-default-insurance-and-life-insurance\/\">What is the Difference Between Mortgage Default Insurance and Life Insurance?<\/a><\/p>\n<p><a href=\"https:\/\/www.zoocasa.com\/blog\/how-to-port-or-transfer-your-mortgage\/\">How to Port or Transfer Your Mortgage<\/a><\/p>\n<p><a href=\"https:\/\/www.zoocasa.com\/blog\/5-must-know-tips-to-pay-less-on-your-mortgage\/\">5 Must-Know Tips for Paying Less On Your Mortgage<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sponsored by: Trying to decide whether to make the leap from renter to homeowner? Investing your hard-saved cash in real estate and building up equity can be a great financial move \u2013 but it\u2019s not the right choice for everyone. Here\u2019s what prospective home buyers should consider, before swapping rent payments for a monthly mortgage. [&hellip;]<\/p>\n","protected":false},"author":39,"featured_media":12346,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"footnotes":""},"categories":[76,468],"tags":[],"class_list":["post-12344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","category-mortgages-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should You Rent or Buy Your Home? 4 Things to Consider | Zoocasa<\/title>\n<meta name=\"description\" content=\"Should you rent or buy your home? Affordability is a big consideration, but it&#039;s not the only choice prospective buyers need to make. 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Here are 4 tips for...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zoocasa.com\/blog\/should-you-rent-or-buy-your-home-4-things-to-consider\/\" \/>\n<meta property=\"og:site_name\" content=\"Zoocasa Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Zoocasa\" \/>\n<meta property=\"article:published_time\" content=\"2017-05-25T05:00:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-05-24T20:57:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2017\/05\/Rent-or-Buy-Your-Home.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"612\" \/>\n\t<meta property=\"og:image:height\" content=\"408\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Penelope Graham\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:site\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Penelope Graham\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/should-you-rent-or-buy-your-home-4-things-to-consider\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/should-you-rent-or-buy-your-home-4-things-to-consider\/\"},\"author\":{\"name\":\"Penelope Graham\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/9a2554dc39c550f5ef3339b25aa1f09c\"},\"headline\":\"Should You Rent or Buy Your Home? 4 Things to Consider\",\"datePublished\":\"2017-05-25T05:00:59+00:00\",\"dateModified\":\"2017-05-24T20:57:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/should-you-rent-or-buy-your-home-4-things-to-consider\/\"},\"wordCount\":941,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#organization\"},\"articleSection\":[\"Buying a Home\",\"Mortgages\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/should-you-rent-or-buy-your-home-4-things-to-consider\/\",\"url\":\"https:\/\/www.zoocasa.com\/blog\/should-you-rent-or-buy-your-home-4-things-to-consider\/\",\"name\":\"Should You Rent or Buy Your Home? 4 Things to Consider | Zoocasa\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#website\"},\"datePublished\":\"2017-05-25T05:00:59+00:00\",\"dateModified\":\"2017-05-24T20:57:25+00:00\",\"description\":\"Should you rent or buy your home? 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