Getting the Best Rates for Your Mortgage
Naturally, you want to get the best deal for the least amount of money. This holds true for mortgage rates as well.
A lower interest rate means a lower monthly mortgage payment, which can save you money in the long run. Also, it is easier to qualify for a lower payment than a higher one.
You basically have two routes to finding the best rate. The first is to do all the research on your own. The second is to use a mortgage broker.
Do-It-Yourself
With the advent of the Internet, much of this information is readily available online. Once you have educated yourself sufficiently about real estate loans, all it takes is the time and energy to sift through online resources to find the information you need.
Rates change quickly. That great rate you find today might not be there tomorrow. Once you find the rate you are looking for, submit a loan application and lock in that rate.
Some sources for interest rates on the Internet include:
Bank Rate Monitor (http://www.bankrate.com)
E-Loan (http://www.eloan.com)
When comparing loans, make sure that you’re comparing loans of the same type.
For example, you find that “Loan A” for a 30-year loan has a much lower interest rate than “Loan B” (also for 30 years). Upon further inspection, you find that “Loan A” is technically an adjustable rate mortgage. Its payment is based on a 30-year amortization, but becomes due through either payment or refinancing at the end of 5 or 7 years. These are frequently referred to as a 5-year or 7-year fixed-rate mortgage. While both said “30-year”, they are not the same type of loan.
Ask the lender for a statement detailing all fees associated with the loan. Factors such as “points” (loan fee), interest rate and “garbage fees” (extra fees which some lenders charge) can vary greatly from one lender to another.
Mortgage Broker
If you do not have the time or experience to “do it yourself,” look for a qualified mortgage broker that can assist in finding the right mortgage for you. Ask friends and associates who have refinanced or purchased recently if they have a broker they can recommend. You’ll want to find a broker who is energetic, flexible and knowledgeable about finance and loans and someone who has your best interests in mind.
There’s something special about Guelph in December. The lights feel a little brighter, the downtown feels a little cozier, and the whole city comes alive with traditions that bring our community together. To help you make the most of the season, we’ve put together a simple guide to some of our favourite local holiday events — the ones that make living in Guelph feel like home. Spirit of the Season December 5–7 & December 12–14 — Downtown Guelph Downtown transforms into a festive hub filled with twinkling lights, artisan vendors, live entertainment, and warm holiday energy. It’s the perfect place to support local businesses, enjoy a hot drink, and soak in the magic with friends or family. If you’re looking for that “start of the holidays” feeling, this is it. Sparkles in the Park December 13–31 — Riverside Park Every evening, Riverside Park lights up with spectacular displays — glowing tunnels, festive scenes, and whimsical designs that bring out everyone’s inner child. And this year, keep an eye out for The Hudson Smith Group lighting display among the magic — we’re proud to support this beautiful community tradition with the Guelph Rotary Club. Even better? The carousel rides are free, and there’s a fireworks show on New Year’s Eve. Santa Run & Santa Claus Parade Saturday, December 6 - Santa Run 4:55 PM & Parade 5:30 PM One of Guelph’s most beloved traditions. The evening starts with the Santa Run — a quick, fun, festive dash — followed by the parade winding through downtown with music, lights, and holiday cheer. It’s a great way to kick off December with the whole family. Old Quebec Street Christmas Market Dates vary through December A cozy, European-style indoor market right in the heart of the city. Expect local makers, handmade gifts, warm drinks, and the perfect place to finish (or start!) your holiday shopping while supporting local vendors. Market Square Skating All winter long — weather permitting Nothing feels more festive than skating under the lights in front of City Hall. Bring a friend, grab a hot chocolate afterward, and enjoy one of Guelph’s simplest — and most nostalgic — winter traditions. Giving Back This Season If you’re looking to make a difference this year, consider supporting one of Guelph’s incredible community organizations, including: The Guelph Food Bank Royal City Mission Hope House Toys for Tots / local toy drives Rotary initiatives A little kindness goes a long way during the holidays. From Our Team to Yours The holidays are a time to slow down, reflect, and appreciate the people who make our community special. Whether we’ve worked together this year or you’ve simply followed along with our journey — thank you. Your trust and support mean the world. Wishing you a warm, joyful, magical holiday season from all of us at the Hudson Smith Group.
Have you ever wished you could have more space — without sacrificing connection? Across Guelph, more families are embracing two-family or multi-generational living as the perfect blend of connection, independence, and financial practicality. Whether supporting aging parents, welcoming adult children home, or creating separate living quarters for long-term stability, buyers want homes that can comfortably and naturally support two households. But as demand grows, suitable properties have become almost impossible to find—especially in walkable, highly established neighbourhoods like Old University. That’s what makes 36 Harcourt Drive such an extraordinary opportunity: a true two-family home that offers space, flexibility, privacy, and location without compromise.
When the snow starts to fall, it has a way of transforming everything — streets, parks, and even front yards take on a quiet, magical charm. But for sellers, winter can also mean extra effort to make sure that charm extends to your home. Curb appeal doesn’t hibernate when the temperature drops — in fact, it matters even more. Here’s how to make your home shine this season and capture that “warm welcome” feeling buyers love, even on the coldest day. Light the Way Winter days are short, which means lighting plays a starring role. Swap out dim porch bulbs for bright, warm-toned LEDs and consider adding soft string lights or lanterns along your walkway. A well-lit entryway not only looks beautiful in twilight photos — it instantly feels inviting. Add a Pop of Colour When the landscape is all whites and greys, a bold front door makes a statement. Deep navy, forest green, or classic red can instantly lift a neutral exterior. If you’re not ready to repaint, a colourful winter wreath or fresh greenery can achieve the same welcoming effect. Dress Up with Winter Greenery Who says planters are only for summer? Evergreen boughs, birch branches, and pinecones arranged in large planters add life and texture to your front entry. They photograph beautifully and bring natural warmth to even the snowiest setting. Keep It Clean and Clear Shovel paths, sprinkle salt, and make sure steps are safe and tidy. It’s one of the simplest ways to show care — and it makes a lasting first impression for both buyers and photographers. Bonus: a clean driveway and entryway make your listing photos feel crisp and polished. Set the Scene for “Cozy” Winter buyers are looking for warmth — literally and emotionally. A soft glow from the windows, a hint of smoke from a chimney, or a front door framed by lanterns all help tell that story. These small touches help buyers imagine themselves stepping into comfort after a snowy day. Thinking of Selling This Winter? A fresh layer of snow doesn’t mean you have to wait until spring. With the right presentation, your home can look more inviting than ever. Selling in winter? We’ll make sure your home stands out — even when everything’s covered in snow. hudson@hudsonsmith.ca | 519-821-3600 | hudson@hudsonsmith.ca
