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Fix it or Leave it As Is? We are often asked should I fix it or leave it as is? When you’re preparing your home for sale, you obviously want your property to look its best for potential purchasers. That means fixing things that are broken,...

Staying in Touch - April 2024 - Learn more about: the Ottawa real estate market, events, mortgage information on "What are Appraisals and When Do You Need One?" Articles: "Thinking of Selling Your Home? Consider These Top 3 Improvements First", "How to Select a Real Estate...

“When we sold our previous house, we interviewed several realtors and we selected Joan Smith Real Estate; extensive knowledge of the market and experienced approach to sale were impressive. They exceeded our expectations on all aspects. When time came to sale our current house, we...

Staying in Touch - March 2024 - Learn more about: the Ottawa real estate market, events, mortgage information on “Protecting Your Home: Understanding Mortgage Life & Disability Insurance“. Articles: “Tips When Viewing a Home“,  “Gifts and Loans for a Down payment on Homes” and “Things to...

Staying in Touch - February 2024 - Learn more about: the Ottawa real estate market, events, mortgage information on Why Should I Open a First Home Savings Account (FHSA)?, Articles: “Why Should You Downsize? And Steps to Take“, “2024 Colour Trends” and “How...

“Joan and team did an amazing job in selling our home after we moved out of the city. She is professional, experienced, and data driven that made our transition worry free. What makes Joan outstanding is that her ability to understand our needs and being...

Staying in Touch - January 2024 - Learn more about: the Ottawa real estate market, events, mortgage information on Pre-Approval Requirements, Articles: “Start the Year Off Decluttered & Donate!“, “Selling your home this year? Start the process now” and “Top Renovations & Improvements to Increase...

What are Mortgage Pre-Approval Requirements? Mortgage pre-approval is more that just getting an interest rate quoted in a first meeting or via an on-line tool. A detailed review of your income, debts and credit history are required to ensure confidence with your pre-approval and that there...

Merry Christmas & Happy Holidays! Wishing all of our clients, colleagues, family and friends a very Merry Christmas and Happy Holidays! Joan, Victoria & Luc⁠ ⁠   We are always happy to answer your questions and also put you in touch with other professionals, i.e. mortgage broker, lawyer, handyman,...

Why Should I Get Pre-Approved? Yes you want to find the best interest rate, but you also want to know your budget and be confident that your financing will be approved, once you find your dream home! If you are looking for a new home, be...

“The team at The Joan Smith Real Estate Family are phenomenal. We had such a great experience working with them on selling our first property that we chose them again to help sell our current property and purchase our forever home. We worked quite a...

Staying in Touch - December 2023 - Learn more about: the Ottawa real estate market, events, mortgage information on Why You should Get Pre Approved, Articles: “Hosting guests this holiday season? Create a space they won’t want to leave“, “How to Save Money With...

Choosing between a fixed or variable-rate mortgage Fixed Or Variable-rate mortgage? High Stakes For Homeowners Choosing between a fixed or variable-rate mortgage has become a high-stakes decision. While variable-rate mortgages lost favor due to Bank of Canada interest rate hikes, fixed-rate mortgages have also risen from pandemic lows. Some borrowers still opt for variable...

With changes in the Ottawa real estate market, many buyers, especially first-time buyers, have had a harder time trying to get into the market place. However, with recent supply increases and settling of the market, now is a good time to review several buying strategies,...

Staying in Touch - November 2023 - Learn more about: the Ottawa real estate market, events, mortgage information on fixed or variable rates, Articles: “Finishing Your Basement to Add Value“, “Role of a Real Estate Lawyer When Buying a Home”, “It’s not always about Price,...

“We interviewed several realtors and Joan and her team outshone the rest with their knowledgeable and experienced approach to the sale our Beaverbrook home of 20 years. Joan, Victoria and Luc were friendly, warm and a pleasure to work with; always prompt with communication and extremely...

Is My Mortgage Portable? Planning to move and wondering if your mortgage is able to move with you?  Fixed-rate products usually have a portability option. Lenders often use a “blended” system where your current mortgage rate stays the same on the mortgage amount ported over to the new...

“We recently had the pleasure of working with Joan, Luc and Victoria. We couldn't be happier with the results! They sold our house within two weeks and received multiple offers resulted from their exceptional services in all areas, including property appraisal, staging, photography and marketing,...

“Victoria Smith is a great asset to the Realty world. She was always courteous, respectful and very knowledgeable. We enjoyed working with Victoria very much. ”...

Staying in Touch - October 2023 - Learn more about: the Ottawa real estate market, events, mortgage information on mortgage portability, Articles: “Maximize Your Garage Space this Fall“, “Selling Your home in the Fall” and “Determining the Market Value of Your Home” & more!...