Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Flooring Store Gives Some Inspirational Ideas About Sunroom Flooring.

What options are there for sunroom flooring?



Sunroom & Screen Room Flooring For a Perfect Oasis 

When it comes to installing or refurbishing sunroom flooring, you have a handful of options. Not all sunroom installations will include an option for flooring, so you’ll need to consult a contractor for your flooring needs. If you’re converting a spare room, deck, or porch into a sunroom know that sunrooms are a whole different animal from the rest of your home. Because they are exposed to the elements, albeit gently, as well as to traffic coming from outside, sunroom floors need to be sturdy and fade- and moisture-resistant. Picking out a sunroom flooring type can be challenging, especially if you want to use the room year-round. Floors here need to keep from overheating and burning bare feet when the sun is beating down hard, but they should also absorb some sunlight to warm the room come wintertime.


As with most things, each type of flooring has its advantages and its drawbacks. It’s all about picking the material that will work best for your needs. 



Carpet

If your sunroom also doubles as a playroom for your children, then the carpet might be a good choice. Low-pile is typically best, as it will be easier to clean in a room as busy as this one.  Additionally, carpet offers a wide range of colours and patterns, making it easy to coordinate with your home. 

Tile

Tile is without a doubt one of the most popular choices for sunroom flooring.  Between ceramic, slate, or natural stone, different tiles can completely change the look of this space.  It’s durable, easy to clean and can easily be matched with any existing furniture.  As an added bonus, it can help keep the temperature in a sunroom comfortable during the warmer months.

Hardwood

Another classic choice for a sunroom is hardwood flooring.  With a wide range of choices between species and stains, wood flooring provides warmth underfoot and the home-style look many homeowners seek.


Flooring Tips to Keep in Mind

  • Three season rooms generally aren’t insulated, so choose flooring that will help keep the space warm during the winter months as long as possible. 
  • Flooring in screen room additions should be durable and be able to withstand the elements since they are exposed to the elements all year round.
  • If you install carpet in your sunroom, stick to a thinner pile and make sure your windows have proper UV protection.
  • Treat wood flooring with an oil-based stain to prevent sun damage. Many home improvement stores have wide selections of these stains
  • Regardless of the option you choose, make sure to clean and maintain your flooring regularly to extend its life and maintain its appearance.






Trusted Regina Fireplace Experts at Wheatland Fireplace Kitchen and Bath have an amazing line of wood burning stoves

Your first step into the beautiful Wheatland Fireplace Kitchen and Bath showroom will help you understand why Wheatland has been given the Thumbs up by Trusted Regina. This really is where your Fireplace, Kitchen, Bathroom and Outdoor living dreams meet in spectacular surroundings! Wheatland Fireplace is a Trusted Regina company that sells products that make your life better. Wheatland Fireplace services and installs their high-quality fireplaces, barbecues (bbq), grills and smokers from industry-leading manufacturers. Wheatland Fireplace Kitchen & Bath is your Exclusive Trusted Regina fireplace store.

Have you considered a wood-burning stove?  Wheatland Fireplace Kitchen and Bath has a solution for those chilly evenings and cool rainy days. 


A wood stove has been the traditional way to heat a home over the years and it often is the centrepiece of turning a house into a home. Even though we’re nestled deeply into the 21st century, this type of home heating still makes a lot of sense. Using wood to heat a home has many benefits, from added beauty and ambiance in the home to independence from fluctuating utility bills. 

Wheatland Fireplace, Kitchen, & Bath is proud to carry Jotul products. Jotul is one of the world’s oldest producers of stoves, inserts, and fireplaces. Building on a proud Norwegian heritage, they have combined fine craftsmanship with the art of coping with the cold for 160 years.

As a Jotul dealer they carry the following products:

Jotul GF 305

Worldwide, the Jotul Group has earned a reputation for designing and producing award-winning, fine quality, cast iron stoves. 

Based on the award-winning Jotul F 305 woodstove, the Jotul GF 305 DV IPI offers the same modern, cast iron styling in a freestanding direct vent gas stove. Smooth cast iron lines and sleek curves frame an extra-large fire view that only Jotul can produce.  Fueled by the new ceramic JotulBurner III, the Jotul GF 305 presents the perfect union of high efficiency and modern cast iron design.


 

    

Jotul GF 160  

Inspired by the immensely popular Jotul GF 370, the compact Jotul GF 160 DV IPI offers the same spectacular three-sided fire view, but with a truly unique tripod base. A modern design marvel, the Jotul GF 160 DV IPI strikes the perfect balance between form and functionality.
 





Jotul GF 500 DV IPI Portland       


A descendant of our signature best-selling Jotul F 500 Oslo wood stove, the Jotul GF 500 DV IPI Portland offers the same whole house heating capabilities at the push of a button.  Fueled by the new ceramic JotulBurner™ III  the Jotul GF 500 presents the perfect union of high efficiency and timeless cast iron design.





Jotul F 602     

Over 1,000,000 of these fine stoves have been produced and sold throughout the world – making the Jotul F 602 CB the best-selling woodstove ever produced. From the beautiful glass door to the sculpted charging lion on the side plates, this stove is truly a timeless work of art. In fact, you can own the best for the lowest price of any EPA-approved cast iron woodstove!







Jotul F 50 TL Rangeley   

Leading the way in clean combustion technology, Jotul now offers the convenience of top-loading in a non-catalytic wood stove.  Utilizing Jotul’s patent-pending rotating baffle, the Jotul F 50 TL Rangeley, can be easily loaded from the top with the turn of a handle.  For those looking for long overnight burn times, the Jotul F 50 TL Rangeley also has a convenient front-load option that allows for our legendary front-to-back “cigar burn”.
 
 



To see more Jotul Wood Burning Stoves Click Here

To see all of Wheatland Fireplace Kitchen and Bath products check out all of their products here

Wheatland Fireplace Kitchen and Bath have much to offer:

Trusted Regina Real Estate Lawyer Robert MacKay Shares That The Bank Of Canada has lowered the mortgage stress tests rate

MacKay & McLean provides the professional services of a large Regina law firm, with the intimate attention of a small firm. The legal process can be daunting and overwhelming, but it doesn't have to be. MacKay & McLean is with you every step of the way.

MacKay &  McLean are TRUSTED REGINA LAWYERS

When looking to buy, sell, or refinance a property, you need to hire somebody who is not a stranger to addressing the real estate needs of individuals and families. 

Bank of Canada lowers qualifying rate used in mortgage stress tests

The Canadian Press - Jul 19, 2019

With files from BNN Bloomberg


According the Canadian Press  and other sources The Bank of Canada has lowered the rate used by mortgage stress tests to determine whether would-be homeowners can qualify, marking the first drop in three years.

The central bank's five-year benchmark qualifying rate is now 5.19 per cent, down from 5.34 per cent.

It's the first decrease in the five-year fixed mortgage rate since September 2016, when it dropped from 4.74 per cent to 4.64 per cent, and increased steadily since.

Rob McLister, founder of mortgage comparison website RateSpy.com, says the dip will increase the buying power for mortgage borrowers by allowing them to afford up to 1.4 per cent more home.

For example, someone putting a 20-per-cent down payment on a home who makes $50,000 per year can now afford $4,000 more home, according to calculations by Ratespy.com.




The Bank of Canada's five-year benchmark rate is calculated using the posted rates at the Big Six Banks.

Home sales softened last year after the federal government introduced new stress test rules for uninsured mortgages, or those with a down payment of more than 20 per cent, and mortgage rates inched higher.

As of Jan. 1, 2018, to qualify for an uninsured mortgage, borrowers needed to prove they could still make payments at a qualifying rate of the greater of two percentage points higher than the contractual mortgage rate or the central bank's five-year benchmark rate.

An existing stress test already stipulated that homebuyers with less than a 20-per-cent down payment seeking an insured mortgage must qualify at the central bank's benchmark five-year mortgage rate.

The federal financial regulator has said that the new, stricter regulations aimed to tighten mortgage lending and take some of the risk out of the market.

Meanwhile, home sales have improved in recent months as mortgage rates have moved lower.

But on Thursday, the Ontario Real Estate Association called for less stringent mortgage rules, saying that policy changes are needed to counter a downward trend in home ownership.

OREA's chief executive Tim Hudak said in a letter to federal policy-makers that Ottawa should consider restoring 30-year insured mortgages, ease up on the interest rate stress test and eliminate the test altogether for those renewing their mortgage with a different lender.

Borrowers looking to renew their mortgages are subject to stress tests if they switch to a new lender, but not if they stick with their current one.

In a May letter to policy-makers, the chief executive of Canada Mortgage and Housing Corporation defended the stricter lending rules, arguing that "the stress test is doing what it is supposed to do."


For more questions and help with any legal property issues consult with our Trusted Regina Real Estate Lawyer Robert MacKay


Here is a list of more consumer tips by Robert MacKay 



Robert MacKay's team provides professional, personalized service and with their assistance, you can rest assured that your real estate transactions will be handled with the utmost consideration and care.

They  provide a full range of legal services including:

  • Real Estate & Mortgages
  • Wills & Estates
  • Family Law & Divorce
  • Commercial & Corporate Law
  • Litigation & Personal Injury

ROBERT Mackay is your TRUSTED REGINA REAL ESTATE LAWYER!



Trusted Regina Real Estate Lawyer Robert MacKay asks: Do you know what kind of mortgage you have?

MacKay & McLean provides the professional services of a large Regina law firm, with the intimate attention of a small firm. The legal process can be daunting and overwhelming, but it doesn't have to be. MacKay & McLean is with you every step of the way.

MacKay &  McLean are TRUSTED REGINA LAWYERS

When looking to buy, sell, or refinance a property, you need to hire somebody who is not a stranger to addressing the real estate needs of individuals and families. 

What an exciting time – the old house is sold, the new one is ready, and all that’s left is the move…..oh wait – not quite yet! There is all that legal “stuff” to deal with now….signatures….titles to be given…and pages and pages of documents that need to be signed before the key is in your hand!!! And to top it all off – who really knows a good real estate lawyer?

Do you know what kind of mortgage you have?

Hardly anyone pays attention to what type of mortgage they have. 


Sure, they know whether they have a fixed rate, a variable rate or an adjustable rate but few are aware that their mortgage will have a particular legal standing or why it is important.

When a market goes up, it's all roses and sunshine, at least if you already own your own home. Trying to buy in such a market can be a scary proposition. When the market goes down, well, that's scary too but for different reasons. 

Buying a house to find out it might be worthless in a year's time is not a fun proposition. However, we all still need a place to live and the markets will do what it will do.

In the event the downturn is significant or if you know what hits the proverbial fan, all of a sudden that legal distinction can be very important. 

Purchase Money Mortgage

For if you have what is known colloquially as a "purchase money mortgage", money borrowed to buy the property, then the bank's recourse is limited to the seizure and sale of the property.

So, if it sold for $1.00 but you still owed $1,000,000, well, the bank will be hoping its mortgage was insured, as they are not unable to chase you for any deficiencies under the mortgage.

This is an important consideration in a lot of foreclosures, as a lot of people have refinanced their property to consolidate debt or finance renovations. Luckily, the portion of the mortgage that related to the property's purchase is still protected.


Once you have committed to either buying or selling your property, simply tell your realtor and lender, as applicable, that Robert MacKay will be representing you and to forward the appropriate instructions to MacKay & McLean, attention "Robert MacKay". 

Robert MacKay's team provides professional, personalized service and with their assistance, you can rest assured that your real estate transactions will be handled with the utmost consideration and care.

They  provide a full range of legal services including:

  • Real Estate & Mortgages
  • Wills & Estates
  • Family Law & Divorce
  • Commercial & Corporate Law
  • Litigation & Personal Injury

ROBERT Mackay is your TRUSTED REGINA REAL ESTATE LAWYER!


Robert MacKay your Trusted Regina Real Estate Lawyer expert explains how CRA may penalize you if you fail to report it.

MacKay & McLean provides the professional services of a large Regina law firm, with the intimate attention of a small firm. The legal process can be daunting and overwhelming, but it doesn't have to be. MacKay & McLean is with you every step of the way.

MacKay &  McLean are TRUSTED REGINA LAWYERS


It’s an exciting time – the old house is sold, the new one is ready, and all that’s left is the move…..oh wait – not quite yet! There's all that legal “stuff” to deal with now….signatures….titles to be given…and pages and pages of documents that need to be signed before the key is in your hand!!! And to top it all off – who really knows a good real estate lawyer?

Robert MacKay your Trusted Regina Real Estate Lawyer expert explains how CRA may penalize you if you fail to report it.

Reporting the sale of a principal residence was unnecessary before 2016, the year the federal government announced a series of steps designed to slow the housing market down and close housing-related tax loopholes. Some people used the previous lack of scrutiny of gains from the sale of a home to their advantage, including investors flipping homes, and others who owned both a cottage and a house and weren’t conscientious about declaring which was a principal residence.

CRA says that if you forget to report the sale of a principal residence, you’ll need to amend your tax return for that year as soon as possible. Late reporting may be accepted in some cases, but it’s possible you’ll have to pay a penalty equal to the lesser of $8,000 or $100 for each complete month you’re late in reporting.

In most cases, you won't pay tax on the money you make from selling your home if it was your principal residence every year since you bought it.

If you sold property in 2017 or after that was, at any time, your principal residence, you must report the sale on Schedule 3, Capital Gains (or Losses) corresponding with the tax year and Form T2091(IND), Designation of a Property as a Principal Residence by an Individual (Other Than a Personal Trust). 

According to CRA here is why you must report the sale.

For the sale of a principal residence in 2016 and subsequent years, we will only allow the principal residence exemption if you report the disposition and designation of your principal residence on your income tax return. If you forget to make this designation in the year of the disposition, it is very important to ask us to amend your income tax return for that year. Under proposed changes, we will be able to accept a late designation in certain circumstances, but a penalty may apply.

Once you have committed to either buying or selling your property, simply tell your realtor and lender, as applicable, that Robert MacKay will be representing you and to forward the appropriate instructions to MacKay & McLean, attention "Robert MacKay". 

Robert MacKay's team provides professional, personalized service and with their assistance, you can rest assured that your real estate transactions will be handled with the utmost consideration and care.

They  provide a full range of legal services including:

  • Real Estate & Mortgages
  • Wills & Estates
  • Family Law & Divorce
  • Commercial & Corporate Law
  • Litigation & Personal Injury

ROBERT Mackay is your TRUSTED REGINA REAL ESTATE LAWYER!



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