Types of Houses

Types of Houses:

There are various types of properties you can buy in Canada. In each case, you are responsible for making the mortgage payments as well as paying the bills for your specific unit (for example, property taxes and utilities such as electricity, gas, water, etc). Bylaws are local municipal rules and regulations that vary across Canada. You are responsible for following these bylaws in the care and maintenance of your property. Below is a list of several housing types.


Condominiums are a form of ownership that can apply to almost all types of housing. While condominiums are generally found in apartment buildings, other types of properties, for example, townhouses, may also have a condo ownership model. You own the unit, or “condo”, but you do not own the land it is built on or any common space outside your unit. You are charged monthly “condo fees” to maintain indoor and outdoor common areas shared by the condo owners, including parking areas, elevators, carpets, front entrances, and any recreation facilities. These monthly fees can vary widely and are in addition to your mortgage payments.

Each condominium property has rules the owners of each unit must follow. Condo owners form a “condo corporation,” or members association, and elect members to their Board. This condo corporation’s committee members or Board meet to decide on issues related to the building and its unit owners, for example, whether or not the units can be rented out to non-members and if pets are welcome.

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Detached House

This is a house that stands on its own. It is often referred to as a ‘detached’ home and tends to be the most expensive type of home to purchase due to the land costs. You own both the house and the land it is on. When your house needs repair or maintenance, you must pay for it yourself. House owners must also pay the monthly bills for water and heat, as well as their other bills (like telephone and cable television). Owners are free to make changes to their house, inside and out, but they must obey local bylaws and apply for renovation and building permits when necessary. Single houses appeal to a wide array of people, including families with children and generally provide more space and privacy than other unit types.

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A townhouse is a unit in a row of other units that look like houses, attached to each other. In each unit, you share a wall on either side with the people who live beside you. Often, especially in cities, there may also be a smaller unit above each townhouse, so there could also be someone living above you or below you. Townhouses (sometimes called row houses) are usually 2 or 3 levels tall (each level is called a ‘storey’). There are also stacked townhouses (3 Stories).

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Semi-detached House

This is a home joined to another on one side. Owners are only responsible for the care and maintenance of their own side, just like a detached house. Owners of semi-detached homes own their side of the property, including the land it is on, and are responsible for its care and maintenance, according to local bylaws. Semi-detached houses appeal to people who want to own their own house as well as the land it is on. Semi-detached houses are usually less expensive than fully detached houses, although, like all real estate, this depends on the area.

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A duplex/triplex is a building that is divided into multiple units. Like semi-detached houses, each household has its separate entrance and is responsible for the care of its own unit. Typically, you would buy the entire property and rent a unit to help offset your mortgage payments. Types of homes that are ‘duplexed’ or divided into two or more separate living units may be detached homes, semi-detached or even row houses.


Sources: http://homeownership.ca/new-to-canada/types-of-housing/


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  • Conventional thermostats regulate temperature by trying to maintain one set temperature. When the temperature inside a building is above this set number the furnace turns off and when it is below, the thermostat turns the furnace on.
  • Set-back thermostats contain an electronic clock that allows the furnace to be automatically turned on or off at a certain time of day. It can lower the temperature at night, when you’re sleeping or during the day when you’re out of the house.  It can also be programmed to turn on the furnace before one awakes or returns home from work.
  • The same principals apply in reverse for the summer time use of the set-forward thermostat. In this case, temperatures are allowed to increase at times when people are not at home.
  • Research produced by the Canadian Centre for Housing Technology shows that the use of a set-back thermostat during the winter would result in energy savings ranging from five to fifteen percent.

Disclaimer:Each office is independently owned and operated. Not intended to solicit properties listed for sale or buyers under contract. All information contained herein is from third parties. HomeLife Realty Services Inc. makes no warranty of the accuracy or fitness for a particular purpose of any information and expressly disclaims all warranties and liabilities relating to said information.

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We all know that searching for and viewing potential homes is the fun part of the home-buying process. The not-so-fun part? The mortgage.
But if you don’t pay attention to the details, your mortgage can end up dragging down the enjoyment of your new home and cause some major regrets. Here are a few mistakes to avoid to ensure that you love your mortgage terms as much as your hew home.

Don’t find your home first: Shopping around for the best mortgage rate should be the first step in the home buying process. You may even want to talk to a mortgage broker a full year before you plan to buy. It’ll give you time to get your affairs in order to qualify for the best rate, could save you thousands of dollars in the long run, and you won’t feel rushed to accept an unattractive loan because you’re worried you’ll miss out on your dream home.

Don’t forget your real budget: There’s often a big difference between what a lender says you can afford and what you can actually afford. Your debt-to-income ratio doesn’t include the money you spend on hobbies, or the cost of commuting to work, or maintenance and utility costs. Really sit down and examine your spending before committing to the loan amount the lender is offering. You won’t enjoy your home nearly as much if it’s eating into your favorite hobbies.

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Use your company’s blog posts to opine on current industry topics, humanize your company, and show how your products and services can help people.

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