Experienced Mortgage Brokers in Oakville: The Ultimate Guide for Dog Parents
I, Anthony Spadafora, have spent so many years as an experienced mortgage brokers in Oakville and have seen some interesting people walk into my office to hash out their home-buying plans. My all-time favourite clients are those with dogs. Are you looking to buy a home with Fido and perhaps hoping to get a mortgage that suits both of you? Let us see how that is possible!
Sniffing Out Dog-Friendly Homes in Oakville
Look for Nearby Parks
There are several great fenced-in dog parks in Oakville, such as Bark Park and Glenashton Park; being close to one of them is a big benefit when it comes to walks.
Check out the Homeowners Association Rules
If you are looking at a condominium or townhouse, be sure to examine the Homeowners Association rules of the building, which may bar dogs over a certain size or breed.
Assess the Yard Situation
Find a fenced-in yard that is downright life-changing for dogs. If a property lacks one, calculate the expense of a fence into the budget.
Consider the Home Layout
Using an open floor plan will make it easier to maintain a vigil on your pup. Carpeting on the steps will be kinder to your older dog’s joints.
Factoring Fido into Your Mortgage Budget
Regular Expenses
Consider the costs of food and preventative veterinary care. These can range from five hundred to a thousand dollars or even more per year for most dogs.
Emergency Fund
Save for unforeseen vet bills before you commence your quest for an experienced mortgage broker in Oakville. An alternative to a sinking fund is pet insurance, but make sure you calculate the premium into the budget.
Dog-Specific Home Upgrades
If you intend to install a dog door, you may also have access to build a custom washing station. Do your calculations for all those home costs and factor them into your total.
Professional Services
If you have a job with long hours, you will need to factor in the cost of boarding or dog-walking.
Unleashing Special Mortgage Programs for Dog Owners
Local Lender Programs
Many lenders in Oakville have programs for first-time homeowners. Some of them, for instance, even though not exclusive to dog owners, typically offer more flexible terms that could, in theory, mesh better with your pet expense regime.
Credit Unions
The fact is, that several credit unions in the Oakville area provide tailored lending that may be more sympathetic to your wish to budget for pet expenses when setting your mortgage at a sensible level.
Homeowners Insurance Bundles
Even though it is not a direct consequence of your mortgage, some insurance companies have bundles that also include your homeowners and your pet insurance. These types of cost savings can help make your overall expenses associated with owning a home more manageable.
The Walkies-to-Work Ratio: Location Matters
The walkies-to-work ratio is something to consider when choosing a home in Oakville: how dog-friendly is the area, and how far do you have to travel to get to work? Bronte Village or Old Oakville, with their honest-to-goodness small-residential streets and attached houses, not to mention plenty of parks, score highly on the walkies-to-work ratio for dog lovers who also need to commute to Toronto, particularly by train.
Final Thoughts: Your Mortgage Broker is Your Best Friend
Prospective homebuyers in Oakville who also have four-legged friendliness get in touch with me at the earliest possible opportunity. As an experienced mortgage brokers in Oakville, I, Anthony Spadafora, will help you secure the right mortgage in the shortest possible time without running from pillar to post.