Buying a home is a big decision, and while a professional home inspection is always recommended, a keen eye during showings can help you spot major issues early. This allows you to save time and money by identifying red flags upfront and focusing only on homes truly worth considering before moving forward with an inspection.

Here’s a room-by-room breakdown of what to look for during a home showing, so you can confidently assess any property before making an offer.

Exterior: First Impressions & Common Issues

The exterior of a home is your first line of defense against weather and wear. Pay attention to these key areas:

• Roof Condition – Missing or curling shingles, sagging areas, and signs of water damage or sustained dampness. A worn-out roof can be expensive to replace.
• Siding & Paint – Cracks, peeling paint, and warped or damaged siding can indicate poor maintenance and potential water intrusion.
• Foundation Cracks – Small cracks are normal, but large or horizontal cracks could indicate structural issues.
• Drainage & Grading – Water should flow away from the foundation. Ensure the ground slopes away from the home, not toward it. Pooling water near the foundation can cause flooding and foundation damage.
• Windows & Doors – Check for drafts, condensation, rotting frames or other signs of moisture, as these can be costly to fix.

🚩 Major Red Flags: Large or horizontal foundation cracks, standing water near the foundation, sagging rooflines.

Basement: The Home’s Structural & Moisture Checkpoint

The basement can reveal hidden issues about the home’s foundation and moisture control. Watch for:

• Water Damage & Mold – Check for water stains, musty smells, or white mineral deposits (efflorescence) on walls—these can signal past or ongoing moisture issues.
• Cracks in Foundation Walls & Slab Floors – Small hairline cracks are common, but wide, shifting, or horizontal cracks may indicate foundation problems. Horizontal cracks represent a serious structural safety issue, and can be very expensive to rectify.
• Exposed Plumbing – Look for leaks, rust, or signs of past repairs on pipes and fixtures.
• Hot Water Tank & Furnace Age – Check the manufacture date (usually within the serial number on a sticker). Hot water tanks last ~8-12 years, while furnaces can last 15 years or more—older units may need replacing soon.

🚩 Major Red Flags: Strong musty odor, visible mold, large or horizontal foundation cracks.

Main Floor: Functional Layout & Key Issues

Inside the home, take your time evaluating the layout, finishes, and overall condition:

• Floors & Ceilings – Uneven or sagging floors could indicate structural problems, especially in newer homes. In older homes, some settling is normal.
• Walls & Paint – Cracks, stains, or bubbling paint may be signs of leaks or poor repairs.
• Windows & Natural Light – Open and close windows to check for proper sealing and smooth operation. Condensation between panes signals a failed window seal.
• Outlets & Light Fixtures – Look for missing GFCI outlets in kitchens/bathrooms.

🚩 Major Red Flags: Uneven or sloping floors, or moisture-damaged ceiling/walls.

Kitchen & Bathrooms: Plumbing & Practicality

These rooms get the most use, so check for signs of wear and plumbing issues:

• Water Pressure & Drainage – Turn on faucets and flush toilets to check for slow drainage, leaks, or weak water pressure.
• Cabinets & Under-Sink Areas – Look inside for water stains, soft wood, or signs of mold, which indicate plumbing issues.
• Appliance Condition – If included, check the age and condition of appliances. A home with old, malfunctioning appliances may require costly replacements.
• Tile & Caulking – Loose tiles or missing caulk around sinks and tubs allow moisture to seep in, leading to rot and mold.

🚩 Major Red Flags: Low water pressure, soft spots around toilets/showers, mold under sinks.

Final Walkthrough Tips: How to Make the Most of Your Showing

• Test Everything – Open and close doors/windows, run faucets, flush toilets, and test light switches.
• Listen for Noises – Strange creaks, banging pipes, or loud HVAC systems can signal underlying issues.
• Ask Questions – Don’t hesitate to ask about repairs, upgrades, or known issues.
• Trust Your Gut – If something feels off, bring in a professional before moving forward.

Final Thoughts

A home showing is more than just falling in love with the space—it’s about making sure it’s a sound investment. No home is perfect, but spotting potential issues early can help you avoid costly surprises.

Need expert guidance? Let’s schedule a showing together! I’ll help you evaluate each home so you can buy with confidence.

📞 Contact Us Today to Start Your Home Search!

The probate process can seem complex, especially for executors navigating it for the first time. While every estate is unique, probate generally follows a structured legal path to ensure that the deceased’s assets are properly managed and distributed. From a lawyer’s perspective, probate is primarily an administrative and legal process that involves preparing and filing court applications, ensuring all estate matters comply with provincial laws, and guiding the executor through their responsibilities.

Below, we outline the probate process step-by-step from a legal standpoint, helping you understand what to expect and how long it may take.

Step 1: Initial Consultation & Document Review

The first step in probate involves a consultation between the lawyer and the estate executor or administrator. This meeting is crucial in determining whether probate is required and gathering the necessary legal and financial documents.

Key Documents Required:

• The original will (if one exists)
• Death certificate
• List of estate assets and liabilities
• Financial statements, property deeds, and business ownership records
• List of beneficiaries and their contact information

During this stage, the lawyer also advises the executor on legal obligations, tax considerations, and expected timelines for the process.

Step 2: Preparing the Probate Application

If probate is required, the lawyer prepares a formal application to the court requesting a Grant of Probate (if a will exists) or a Grant of Administration (if no will exists).

The application typically includes:

• A petition to the court requesting legal authority for the executor
• An affidavit of the executor confirming their role and responsibilities
• A detailed inventory of the deceased’s assets and debts
• Notices to beneficiaries and other interested parties

In cases where there is no will or if the executor is located outside of the province, the court may require a bond to protect the estate's value.

Step 3: Serving Notices & Filing the Application

Before submitting the probate application, the lawyer ensures that all beneficiaries and creditors receive proper legal notice (usually 30 days) as required by law. Once this is complete, the probate documents are filed with the court.

The court may request additional information if anything is missing or unclear. At this stage, delays often occur due to incomplete paperwork, missing documents, or backlogs in the court system.

Step 4: Court Processing & Judicial Review

In most cases, probate does not require an in-person court appearance. Instead, the judge or registrar reviews the application behind closed doors.

If everything is in order and no disputes arise:

• The court approves the probate application
• A Grant of Probate (or Administration) is issued

This step can take anywhere from a few weeks to several months, depending on the complexity of the estate and court processing times.

Step 5: Handling Disputes or Challenges (If Any)

If a beneficiary contests the will or disputes arise, the probate process can become more complicated. Common disputes include:

• Allegations of undue influence or fraud
• Questions about the validity of the will
• Disagreements among beneficiaries about asset distribution
• Creditor claims against the estate

If a dispute arises, a court hearing may be required. In some cases, issues can be resolved through negotiation or mediation, while others may require formal litigation in court.

Step 6: Grant of Probate Issued & Executor’s Authority Confirmed

Once the Grant of Probate (or Administration) is issued, the executor is legally authorized to manage and distribute estate assets. This includes:

• Transferring or selling estate assets
• Closing financial accounts
• Paying outstanding debts and taxes
• Distributing inheritances to beneficiaries

This stage is often the most time-consuming, as certain assets—such as real estate—require additional legal and financial steps before they can be transferred or sold.

Step 7: Estate Administration & Final Tax Filings

One of the executor’s most important responsibilities is ensuring that the estate’s taxes are properly handled. The lawyer may assist with:

• Filing the final tax return for the deceased
• Paying any outstanding taxes on estate assets
• Applying for a Clearance Certificate from the Canada Revenue Agency (CRA), which confirms that all taxes have been paid before the remaining estate assets can be distributed.

This step is crucial to ensure no legal or financial complications arise later.

Step 8: Closing the Estate

Once all assets have been distributed and financial obligations settled, the lawyer prepares final accounting records for beneficiaries. If necessary, the executor may request court approval of the estate’s administration (known as a passing of accounts), which formally releases them from liability.

If no objections arise, the estate is officially closed, and probate is complete.

How Many Court Dates or Appointments Are Typically Required?

In most uncontested cases, no in-person court appearances are required—just paperwork submitted for approval.

However, if disputes arise, a court hearing may be required, leading to one or more legal proceedings depending on the complexity of the case.

Final Thoughts

For most estates, probate is an administrative process, with the lawyer handling legal filings, ensuring compliance, and advising the executor along the way. Court appearances are rare unless disputes, or irregularities, in the will arise.

The probate timeline can range from a few months to over a year, depending on factors such as:

• The complexity of the estate
• Court backlogs
• Whether any disputes or challenges arise

Understanding the process ahead of time can help executors navigate probate more confidently and efficiently. If you’re dealing with an estate and need guidance, working with a knowledgeable probate lawyer can help streamline the process and avoid common pitfalls.

For more information:
📞 Schedule a Free Consultation

Introduction

One of the most common questions home buyers and sellers ask is: "How do real estate agents get paid?" The process can seem unclear, especially for buyers who don’t see a direct charge for their agent’s services.

Understanding the commission structure upfront helps set expectations and ensures buyers and sellers can make informed decisions. This guide will break down exactly how commissions work, who pays them, and why using a Realtor makes sense for both buyers and sellers.

1. Who Pays the Real Estate Commission?

In a typical real estate transaction, the seller is responsible for paying the commission. Here’s how it works:

• When a seller lists their home with a real estate agent, they sign an agreement to pay a commission to the listing brokerage upon the successful sale of the property.

• The listing brokerage offers a portion of that commission to any buyer’s brokerage that brings a qualified buyer.

• This means the buyer does not directly pay their agent’s commission—it is paid by the listing brokerage from the commission they’ve charged the seller.

2. Is the Commission Part of the Home Price?

This is a common point of confusion. The real estate commission is technically not part of the purchase price because it is paid by the seller from their proceeds after the sale. However, it often seems like one transaction because the lawyer handles all financial transfers at the same time. Rather than the seller receiving the full amount and then paying the brokerage separately, the commission is deducted directly at closing.

• Since the commission is paid by the seller and not the buyer, it is not included in the purchase price. This allows lenders to base mortgage approvals solely on the property’s price, meaning the buyer’s mortgage does not cover real estate commission costs.

• If commissions were included on the buyer’s side of the transaction, lenders would not finance them, requiring buyers to cover the cost in cash upfront.

• This structure reduces the upfront costs for the buyer, who only needs to cover the down payment and closing costs.

• In a way, the commission is "built into" the home price, but it does not increase the amount of cash the buyer needs to bring to the table.

3. The Commission Flow: How the Money Moves

To better understand the process, let’s break down the flow of money:

• The buyer pays the seller the agreed-upon purchase price, and all of that money is for the property itself—not for commissions.

• At closing, two separate transactions occur simultaneously: the buyer pays the seller for the property, and the seller pays the listing brokerage the agreed-upon commission. Rather than the seller receiving the full amount and paying the brokerage separately later, the lawyer deducts the commission from the sale proceeds before transferring the remaining funds to the seller.

• The lawyer transfers the commission to the listing brokerage.

• The listing brokerage then pays the buyer’s brokerage the portion of the commission agreed upon in the listing contract.

• Each brokerage takes its share and then distributes the remainder to the respective agents involved.

This structured process ensures that real estate professionals are compensated for their services while lowering the amount of upfront cash a buyer needs to complete the purchase.

4. Is It Fair That the Seller Pays All the Commissions?

Some sellers may feel it’s unfair that they are responsible for paying both their agent and the buyer’s agent. However, this structure benefits both parties and makes the transaction smoother:

For Sellers

• Offering a commission to buyer’s agents incentivizes them to bring qualified buyers, increasing the likelihood of a successful sale. This is one of the key reasons MLS-listed properties receive significantly more showings and generate far greater interest compared to private sales.

• By reducing the amount of upfront cash needed for a buyer to purchase the home, you are increasing the size of the pool of buyers, which ultimately increases the home price.

• Every seller was once a buyer. When they purchased their home, they did not have to pay a commission. Now that they are selling, they are, in a way, paying forward the benefit they received when they bought their home.

For Buyers

• Having commission factored into the sale means buyers don’t need to pay for professional representation out of pocket, making homeownership more accessible.

For Both Parties

• This structure ensures a well-supported transaction, reducing risks and helping both sides navigate negotiations, paperwork, and legal considerations.

5. What Happens If You Don’t Use a Buyer’s Agent?

Some buyers wonder if they can save money by purchasing a home without using their own agent. The reality is:

• The total commission amount is typically already set in the listing agreement between the seller and their agent.

• If a buyer does not use an agent, the listing agent typically keeps the full commission rather than the buyer getting a discount. This is because the total commission is determined in the listing agreement between the seller and their agent. Since the seller has already agreed to pay a set percentage upon sale, the absence of a buyer's agent does not alter the agreed-upon commission structure.

• This means the seller does not pay less, and the buyer does not receive any price reduction.

• Without a buyer’s agent, the buyer has no professional representation, which can put them at a disadvantage in negotiations, contract terms, and due diligence.

Since buyers don’t pay their agent’s commission out of pocket, using a Realtor provides significant advantages at no extra cost.

Conclusion

Real estate commissions are structured in a way that ensures agents are compensated while making transactions smoother for buyers and sellers. The seller pays the commission from the proceeds of the sale, the listing brokerage distributes a portion to the buyer’s brokerage, and the agents receive their share from their respective brokerages.

For buyers, this means professional representation without additional cost. For sellers, it means having skilled professionals working to sell their home and secure the best possible outcome.

If you’re thinking about buying or selling a home and have questions about commissions or the real estate process, reach out to a trusted Realtor who can guide you through every step.

What is Asbestos?

Asbestos is a naturally occurring mineral fiber that was widely used in Canadian home construction from the 1920s to the late 1980s due to its durability, fire resistance, and insulating properties. However, it was later found to pose serious health risks when its fibers become airborne and are inhaled, leading to lung diseases like asbestosis, mesothelioma, and lung cancer. The use of asbestos was phased out in Canada and banned in most construction materials by the late 1980s.

Common Areas Asbestos is Found in Homes:

If your home was built before 1990, you may want to consider testing for asbestos in the following areas before undertaking any renovations:

1. Insulation: Asbestos was commonly used in attic and wall insulation, particularly in vermiculite insulation (such as Zonolite).
2. Flooring: Vinyl floor tiles, adhesives, and backing materials often contained asbestos.
3. Ceiling Tiles: Popcorn ceilings (spray-on textured ceilings) frequently contained asbestos.
4. Roofing and Siding: Some asphalt roofing shingles, felt, and siding materials contained asbestos.
5. Plaster, Cement, and Drywall: Older homes may have asbestos in the plaster, drywall joint compounds, and cement sheets.
6. Pipes and Boilers: Asbestos was also used to insulate pipes, boilers, and furnaces.

Health Concerns:

If you suspect asbestos in your home, it’s important not to disturb any materials that may contain it, as this can release harmful fibers into the air. Asbestos is generally not dangerous when left undisturbed. The primary concern arises when asbestos-containing materials are disturbed, as they release tiny fibers into the air that can remain airborne for a long time. Once inhaled, these fibers can become lodged in the lungs, causing long-term health problems, including cancer. For this reason, asbestos abatement is a major concern during home renovations, demolitions, or repairs.

How to Test for Asbestos

Fortunately, testing for asbestos can be relatively quick and inexpensive. Here's how the process works:

1. Hire a Certified Asbestos Professional: It’s always best to have a licensed professional inspect and test for asbestos. They will take necessary precautions to collect samples safely without releasing fibers into the air.
2. Sample Collection: The professional will gather samples from any materials suspected to contain asbestos (e.g., insulation, tiles, or drywall) and send them to a lab for analysis. They will use protective gear and proper equipment to ensure safety during collection.
3. Laboratory Testing: The samples are tested in an accredited lab to confirm the presence of asbestos fibers. Results are typically returned in a few days.
4. Receive Results and Recommendations: If asbestos is detected, the professional will explain the findings and provide guidance on whether it’s safer to leave the material undisturbed or if removal is necessary. If removal is recommended, a licensed asbestos abatement company can safely handle the process.

Can You Test for Asbestos Yourself?

Although DIY asbestos test kits are available, improper handling during sample collection can disturb asbestos fibers, which increases risk. For safety reasons, it’s best to leave testing to a certified professional who can handle it without putting anyone’s health at risk.

Regulations in Canada

Ban on Asbestos: As of 2018, Canada implemented a full ban on the use, sale, import, and export of asbestos-containing materials.

Asbestos Removal: If asbestos is found in a home, it should be removed by a licensed asbestos abatement professional. Homeowners and renovators are strongly discouraged from attempting to handle asbestos on their own due to the associated health risks.

Key Takeaways

Asbestos was a widely used material in Canadian homes due to its insulating and fire-resistant properties, but it has since been recognized as a serious health hazard when disturbed. Although it was largely phased out of construction materials by the late 1980’s, homes built before that time may still contain asbestos. If your home was built before 1990, it’s important to be aware of where asbestos may be present and how to handle it safely. While asbestos is not dangerous when left undisturbed, it becomes hazardous when fibers are released into the air during renovations or repairs. Professional testing is the safest way to identify asbestos, and if found, a licensed abatement team should handle its removal.

By following these guidelines, you can ensure your home remains a safe and healthy environment, whether you're planning renovations or simply maintaining an older property.

If you're new to real estate, you may have come across the term MLS and wondered what it is and why it's important. The Multiple Listing Service (MLS) is a vital tool that helps homebuyers like you find the perfect property. Here’s a quick overview of how it works and why it benefits you as a homebuyer.

How Does the MLS Work?

The MLS, or Multiple Listing Service, is a comprehensive database of homes and properties for sale. It’s owned and operated by the Canadian Real Estate Association (CREA), which consists of Realtors all across Canada. When real estate agents list a property for sale, they submit it to the MLS. The MLS then distributes that listing to various real estate websites, including those you might use in your home search. The MLS is the backbone of the real estate market, ensuring that the information you see is current and accurate.

One of the greatest benefits of the MLS is that it allows any Realtor to show you any property listed on it, regardless of which website you found it on or which brokerage has it listed. This means you can work with the agent of your choice, who can help you navigate the process of purchasing any home, even if you first saw it on a different platform.

Who Represents You?

When a property is listed for sale, the listing agent represents the seller. That’s why, as a buyer, it’s crucial for you to have your own agent who is solely focused on representing you and your interests. Your agent will help you find the right property, negotiate the best deal, and ensure your needs are addressed throughout the transaction.

Who Pays the Real Estate Agent’s Fees?

Many buyers wonder about the cost of having an agent represent them. Fortunately, in almost all cases, your Realtor’s fee is included in the purchase price. The seller typically covers the commission for both their own agent (the listing agent) and your agent (the buyer’s agent). In rare situations where your agent’s fee isn’t fully covered by the seller of a specific property, your agent will discuss this with you upfront so there are no surprises.

Why is the MLS Important?

The MLS isn’t just a platform for listings; it’s the foundation of the real estate market. It ensures that homes are listed accurately and, more importantly, that sales data is publicly available. This sales data is a critical part of how buyers and sellers can determine property values and make informed decisions. Without this data, it would be much more difficult to gauge a fair market price for homes. Realtors collectively invest millions of dollars every year to maintain and operate the MLS, ensuring its accuracy and reliability. This system provides a significant public benefit by promoting transparency and protecting the integrity of the real estate market.

In summary, the MLS is a powerful tool that gives you access to nearly every home for sale, represented by your own agent who looks out for your interests. It simplifies the search process and ensures transparency throughout your home-buying journey.

What is Radon?

Radon is a colorless, odorless, and tasteless radioactive gas that naturally occurs from the decay of uranium in soil, rock, and water. As uranium breaks down, it converts into different elements, giving off radioactive alpha and beta particles during the process. One of the elements formed during this chain of decay is Radon gas. When these radioactive particles carried in the Radon gas are inhaled, they pose a significant health risk. The #1 leading cause of lung cancer in non-smokers is Radon exposure.

Typically, this decay, or breaking-down, of uranium happens under the soil and safely away from the air that humans are breathing. When Radon is released from the ground into the outdoor air, it is diluted and not a concern, but in enclosed spaces like homes, it can accumulate to dangerously high levels and become a risk to the health of you and your family.

When homes are built, builders must dig down below the frost line to lay the foundation in order to prevent it from heaving during the winter months. This is why homes in Alberta almost always have basements. However, now that the home is sitting below the surface grade of the earth, the foundation walls and floor slab are all surrounded by soil and possibly bedrock which may contain uranium.

Where is Radon Found Geographically?

Uranium is a common element found everywhere in the earth’s crust, and as a result Radon gas can be found almost anywhere in the world, but it is found in higher concentrations in specific regions. Canada has one of the largest shares of uranium in the world. The Athabasca Basin, for example, is home to several uranium mines and mills.

In the context of housing, Radon gas from the decay of uranium can be found anywhere. Almost all homes in Canada will have some degree of exposure to Radon but it is not uniform. It’s possible to appear at dangerously high levels on one street, or even home, and not a neighboring street or home. Luckily, there are cheap, simple, and effective ways to both test for, and mitigate, Radon gas levels in your home. We will discuss these options later in the article.

How Radon Enters Homes

Radon normally enters homes and buildings through cracks and openings in the foundation. 

For several reasons, the soil around your home’s foundation has a higher pressure than the air inside the basement. The weight of the soil and moisture outside your home produces a positive pressure on air trapped within the soil as it tries to escape to the surface. Meanwhile, your home has ventilation, both helping exit stale air from your home and introduce new, fresh air. Since heat rises, there is also typically a significant temperature difference between the upstairs of your home, and the basement, (especially in 2-storey homes). This difference in temperature draws warm air upwards, creating a negative pressure in the basement.

The lower pressure in your basement compared to the surrounding soil, allows air and gasses to seep in through any cracks or other openings in your floor slab, foundation walls, or sometimes even where the wood frame meets the foundation.

What Happens Once Radon is Inside the Home?

Radon is 7.5x heavier than air. This means it will tend to accumulate in basements and crawl spaces, especially ones without adequate ventilation. If you think about your average 2-storey home, it will have 2-3 windows, near the ceiling of the basement, which are surrounded by a window well outside and rarely if ever opened. 

A home with a walk-out basement for example, with a doorway and several large windows that do get opened regularly, is at less risk for accumulating Radon than a 2-storey home with a couple of small, high, windows that are almost never opened. Even in a walk-out though, during the cold winter months, Radon can accumulate inside.

Testing for Radon

There are several different ways to test for Radon in your home, but most reliable tests take a minimum of 3 months to complete. Radon can vary daily and seasonally. Factors such as temperature changes, barometric pressure, and ventilation patterns can cause Radon levels to fluctuate, making short-term test results more variable. These tests provide a snapshot in time, which may not accurately represent the average Radon exposure in your home throughout the year. For that reason, we do not recommend short-term Radon testing.

Long-term testing captures a broader range of conditions, including seasonal variations, making them more representative of the typical Radon exposure in your home. Accurate and reliable test kits can cost around $60 to purchase, and sometimes come with a lab charge of $40 or so when you submit your kit for analyzing.

Essentially, you place one or two test kits in your basement, and wait 3-6 months as instructed by the product manufacturer. Once the time has passed, you send it away to a lab to be analyzed.

There are different types of tests but the most common for long-term testing are Alpha Track Detectors. Alpha Tracks use a plastic film that records “tracks” left from the impact of alpha particles. These tracks are microscopic damage, or tiny little pits and lines, created by the energy of the alpha particles as they collide with the film. Measuring the amount of tracks compared to the amount of time it was left in the test area allows the lab to determine the average Radon levels.

Short-term tests, which we do not recommend, can take place from anywhere from a few days to a few weeks. Activated Charcoal Detectors and Electret Ion Chambers are the most common short-term tests. A device containing activated charcoal will absorb Radon gas from the air over a short period of time, typically 2-7 days. Electret Ion Chambers use a charged Teflon disk (electret) that loses charge when exposed to ionizing radiation from Radon. With either of these test instruments, you simply place it in your basement, then send it to the lab for analysis.

Whichever test you choose to perform, you are best off by conducting it during the winter months when your windows are closed and you have the least fresh air circulating in your home. This will help show you the levels at their worst, rather than giving you a false confidence that levels are fine by testing during the summer months.

Test Results and Radon Levels

Radon is measured in Becquerels per cubic meter. A Becquerel is a measurement of the rate of radioactive decay, with one becquerel representing one decay event per second.

Health Canada recommends taking action to reduce Radon levels in your home if the concentration exceeds 200 Bq/m3. The World Health Organization recommends taking action at 100 Bq/m3.

Reducing Radon Levels

The good news is that mitigating or reducing Radon levels is not unaffordable or especially difficult to achieve.

In Alberta, homes built in 2015 or later are required to have Radon mitigation systems roughed-in by law. What this means is that underneath your floor slab there is a series of perforated pipes that come together, and come up through your floor slab somewhere in your basement. When you purchase your home, this pipe will be plugged or capped and not in service. There is also a plugged or capped piece of piping that exits the sidewall of your home above the foundation level, located directly above the floor pipe. After moving in, you can complete a Radon test, and if high levels of Radon are detected, you simply install a low voltage fan, in a piece of piping that connects the floor pipe to the sidewall outlet. This fan pulls a vacuum from underneath your floor slab, dispersing the air and gas to outside where it can be diluted by the atmospheric air. Since there is now a negative pressure under and around your basement, Radon gas will not enter your home but rather, air from your home would escape outward into the ground from any cracks in your foundation.

If your home was built before 2015, you can still install this system fairly easily. The only difference is that some of your concrete floor slab will need to be cut out and then replaced after the installation of the perforated piping. The cost of this work depends heavily on the size of your home, whether your basement is finished or not, and other unique qualities like if you have heated floors for example. Typically the cost to install a Radon mitigation system is around $2500-4000 if you have an unfinished basement. If you will  need to refinish floors etc, you can add on costs from there. 

Other simple and effective ways to reduce Radon levels are to increase ventilation, or seal any foundation and floor slab cracks. Opening windows, and recirculating your furnace, will help change out the stale, heavy air in the basement with fresh clean air.

Radon in Water

Radon can also be present in water, particularly in well water. If Radon is detected in your water supply, treatment options include:

• Aeration Systems: Bubble air through the water and vent the Radon outdoors.

• GAC Filters: Granular activated carbon filters can remove Radon from water.

Professional Help

There is a program called the Canadian National Radon Proficiency Program (C-NRPP) that is managed by the Canadian Association of Radon Scientists and Technologists (CARST), which certifies Radon professionals in Canada.

If you would like testing, or Radon mitigation work completed for you, C-NRPP has a “Find A Professional” feature on their website: www.c-nrpp.ca. Alternatively, you can ask your Realtor for a referral to a reliable Radon technician.

Resources and Support

Unfortunately, there are no specific programs in Alberta that directly subsidize the cost of Radon testing or mitigation for homeowners. However, there are resources and initiatives that can help homeowners understand and manage Radon risks, as well as potential rebates or incentives from other organizations. Here are some options to explore:

• Alberta Health Services (AHS): Alberta Health Services provides information and resources about Radon, its health risks, and guidance on testing and mitigation. While they do not offer financial assistance, they can help you understand the importance of addressing Radon in your home. www.albertahealthservices.ca. 
• Lung Association, Alberta & NWT: The Lung Association works to raise awareness about Radon and offers resources for testing and mitigation. www.ablung.ca. 
• Health Canada: Health Canada provides information on Radon, including testing and mitigation guidelines. www.canada.ca/en/health-canada/services/health-risks-safety/radiation/radon.html. 
• Canadian National Radon Proficiency Program: The C-NRPP can help you find Radon measurement and mitigation professionals who may offer competitive rates or financing options. www.c-nrpp.ca. 

Conclusion

Radon is a serious health risk that can be easily and affordably managed with proper testing and mitigation. There is no way to know which homes may have high Radon levels without long-term testing. Although scientists and medical professionals are now aware of Radon and its harsh effects on people, such as lung cancer, very few homeowners, or people in general, are aware of Radon or its risks. This means if you are purchasing a home, you should test it after you move-in. Testing and taking action to reduce high Radon levels can help protect you and your family from the harmful effects of Radon exposure.

The Top Benefits of Hiring a Property Manager

As a property owner, the idea of maximizing your investment while minimizing daily hassles is not just a dream—it's a possibility. Hiring a property manager can transform your experience as a property owner, and here's why this move can be a game-changer for your investment.

Navigating the Complex World of Real Estate Regulations

Property managers bring a wealth of knowledge in local, provincial, and federal real estate laws, including those tricky landlord-tenant laws, housing regulations, and the complexities of eviction processes. Their expertise is your safeguard against legal pitfalls, ensuring you stay compliant and out of legal trouble.

The Art of Tenant Screening

Finding the right tenant is more than a lucky draw. Property managers are skilled in conducting thorough tenant screenings. This is crucial for securing tenants who are not only reliable in paying rent on time but also respectful of your property, saving you unnecessary repair costs and significantly reducing turnover rates.

Streamlined Rent Collection and Financial Management

The financial aspects of property management are often overwhelming. Property managers streamline this process, handling everything from rent collection to budgeting for maintenance and preparing financial reports, ensuring a steady and hassle-free cash flow.

Ensuring Timely Maintenance and Repairs

The condition of your property directly impacts its value. Property managers have a network of skilled contractors to ensure timely maintenance and repairs, keeping your property in top shape and preserving its value.

Minimizing Vacancy Periods

Vacant properties are a landlord's nightmare. Property managers excel in marketing and understanding the local market dynamics, filling vacancies faster with competitive and profitable rent pricing.

Handling the Day-to-Day: A Hands-Off Approach for You

Dealing with tenant complaints, emergency repairs, and routine inspections is all in a day's work for property managers. This hands-off approach for property owners reduces your daily burden, giving you peace of mind.

Maximizing Your Property's Value and Income

It's not just about maintaining; it's about enhancing. Property managers don't just keep your property running; they suggest and implement improvements to boost its value and your income.

Professional Distance from Tenants

A property manager acts as a professional buffer between you and your tenants, which is invaluable for enforcing lease terms, handling difficult situations, and preventing potential conflicts.

Saving Time and Reducing Stress

For property owners, especially those with multiple properties or living far away, managing properties can be overwhelming. A property manager takes on these responsibilities, freeing up your time and reducing stress.

Providing Market Insights and Advisory

Property managers are not just managers; they're your advisors. With insights into current market trends, they offer invaluable advice on various aspects of property investment and management.

The Takeaway

In essence, a property manager is more than just a facilitator; they are a key asset in ensuring the professional management of your property and in maximizing your returns. If you're looking to take your investment to the next level with minimal personal involvement, hiring a property manager could be your best move yet.

How to Prepare Your Home for the Real Estate Market

When it comes to selling your home, first impressions are everything. Properly staging and preparing your home for sale is a critical first step in attracting potential buyers and achieving the best possible price. Here’s how to ensure your home is market-ready:

Declutter and Depersonalize

Reducing Clutter: Clearing clutter makes your home appear larger and more inviting. Remove unnecessary items from countertops, shelves, and closets to create a sense of spaciousness.

Depersonalization: Buyers need to envision themselves living in your home. Remove personal items like family photos, memorabilia, and personalized décor.

Make Necessary Repairs

Small Fixes: Address minor repairs such as leaky faucets, squeaky doors, or chipped paint. These small fixes can make a big difference in the buyer’s perception.

Major Repairs: Assess if major issues should be fixed pre-listing. Sometimes, offering a discount on the sale price is more viable. Consult your Realtor for advice on balancing the cost and benefit of these repairs.

Boost Curb Appeal

Lawn and Garden: Keep your lawn trimmed, bushes pruned, and flower beds tidy. Positive first impressions are crucial, and the exterior of your home is the first thing a buyer sees.

Exterior Maintenance: Ensure the home’s exterior is in good condition, including clean siding, a well-maintained roof, and clean gutters.

Welcoming Entry: Make the entryway inviting with a clean doormat, potted plants, and a fresh coat of paint on the front door if needed.

Strategic Staging

Neutralize and Modernize: Opt for neutral colors in walls and furnishings to allow buyers to imagine the home as their own.

Furniture Layout: Organize furniture to optimize space and flow, removing oversized or excess pieces.

Arrange Furniture: Arrange furniture to maximize space and flow. Consider removing oversized items or excess furniture.

Feature Highlighting: Accentuate your home's best attributes, like a cozy fireplace or a picturesque window view.

Deep Clean

Comprehensive Cleaning: A spotless home speaks volumes about how it has been maintained. Ensure every corner, including carpets and windows, is immaculate.

Odor Elimination: Neutralize any persistent smells, such as those from pets or cooking.

Optimize Lighting

Brighten Up Spaces: Bright, well-lit spaces feel more open and inviting. Open curtains, clean windows, and strategically place lighting fixtures to enhance each room's ambiance.

The Final Touches

Creating Ambiance: Small details like fresh flowers or a fruit bowl in the kitchen can make a significant difference.

Comfortable Climate: Ensure the home is heated or cooled to a pleasant temperature during showings, regardless of the season.

Remember, the aim is to present your home in a manner that appeals to a broad range of buyers. By following these steps, you can significantly elevate your home's appeal, paving the way for quicker sales and more attractive offers.

An Overview for Homebuyers

When embarking on the journey of buying a home in Alberta, understanding the intricacies of insured mortgages is crucial for those unable to make a 20% down payment on their new home. An insured mortgage, often a necessity for many first-time buyers and those with limited upfront capital, comes with its own set of rules and implications.

What is an Insured Mortgage?

In Alberta, an insured mortgage is required for homebuyers who have less than 20% of the purchase price available for a down payment. This type of mortgage, classified as a high-ratio mortgage, has a loan-to-value (LTV) ratio exceeding 80%, indicating that more than 80% of the property’s value needs financing. As a result, the loan must be insured against default for the benefit of the lender.

Key Elements of Insured Mortgages

Mortgage Default Insurance: This is insurance that protects the lender in case the borrower defaults on the loan. As mentioned above, this insurance is mandatory on high-ratio mortgages with an LTV that exceeds 80%. It is important to note that although the lender passes on the cost to the borrower, this insurance is for the lender's protection and benefit, not the borrower's.

Down Payment Requirements: The minimum down-payment required for an insured mortgage in Alberta, is 5% for the portion of a home’s price below $500,000, and 10% for any portion exceeding $500,000 (up to $1 million).

Insurance Providers: In Canada, mortgage insurance is most commonly provided by the Canada Mortgage and Housing Corporation (CMHC), but private insurers like Genworth Financial Canada (now Sagen) and Canada Guaranty provide mortgage insurance as well.

Premiums Costs & Payment: Premiums are calculated as a percentage of the loan, and are based on the size of your down-payment. The higher the percentage of the home’s value (price) you borrow, the higher percentage you will pay in insurance premiums. In other words, the premium rate escalates as the down payment size decreases. However, you will often receive a lower interest rate on your mortgage, offsetting some of the cost.

These premiums, which can be substantial, are added to the mortgage amount and are paid throughout the loan's lifespan. Here is a table of CMHC’s premiums as an example:

Loan-to-Value Ratio: Insured mortgages typically have an LTV ratio greater than 80%. This higher LTV ratio signifies a higher risk for the lender, which the insurance mitigates.

Credit Score Criteria: A good credit score is usually required to qualify for an insured mortgage, reflecting the borrower's financial stability.

Property Price Limits: Mortgage loan insurance is only available for properties with a purchase price below $1 million in Canada.

Impact on Interest Rates: As mentioned, due to the decreased risk to the lender associated with an insured mortgage, borrowers with insured mortgages may encounter lower interest rates than they would typically qualify for with a conventional mortgage.

Summary

In essence, an insured mortgage in Alberta is a strategic option for those who are looking to buy a home but are unable to afford a large down-payment. While it facilitates home-ownership, it's important for potential buyers to understand the additional costs and requirements involved. Insured mortgages are particularly prevalent among first-time homebuyers, offering a pathway to home-ownership while ensuring lenders are protected.