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TD survey finds 60 per cent of Canadians are willing to exceed their budget to buy a home

As your biggest financial investment, house hunting should be a rational, logic-driven process. In reality though, buying a house is often an emotional rollercoaster that leads many Canadians to spend more than they can afford – leaving them in financial hot water. A new TD home buying survey reveals that even though some markets across the country are cooling, 60 per cent of respondents would be willing to exceed their budget, with more than half (56 per cent) saying they would go over their budget by up to $50,000.

Appendix Chart – Willing to exceed homebuying budget (CNW Group/TD Canada Trust)

 

“Emotions are playing too big of a role in the home buying process and are tempting buyers to spend more than they can afford,” says Roy D’Souza, Associate Vice President, Real Estate Secured Lending at TD Canada Trust. “$50,000 might lose its sticker-shock compared to the overall price of a house, but it’s still a substantial amount of money that could be used to meet other financial needs. Whether you’re moving into your first home or upsizing to something bigger, keeping your feelings in check is critical to making objective decisions that match your short- and long-term financial plans.”

TD’s survey also shows that Canadians are financially overconfident when it comes to purchasing a home. More than half of homebuyers (57 per cent) say they are confident about what they can afford, yet 97 per cent of homeowners admit they wished they had factored in their other financial obligations when determining how much mortgage they could really afford – including property taxes and home maintenance costs (54 per cent), and overall lifestyle expenses (33 per cent).

Appendix Chart – Costs homeowners wished they had factored in before deciding how much mortgage they can afford (CNW Group/TD Canada Trust)

“How you live is just as important as where you live,” says D’Souza. “Owning a home is a lot more expensive than buyers expect. Buyers who don’t account for these extra costs are potentially putting themselves under a lot of financial stress should their circumstances unexpectedly change, and are also risking not having enough money left over to maintain their lifestyle, and continue saving for the future.”

To help inject needed financial reality into the home buying process, TD offers its online Mortgage Affordability Calculator, which uses financial information provided by the potential buyer to help them understand how much home they may be able to afford after monthly expenses, debt payments and savings are accounted for. The Calculator offers a high, medium and low range of affordability options to assist buyers in finding a home that may comfortably fit their budget and lifestyle. It also links to active real estate listings that match the user’s budget and desired neighbourhood from REALTOR.ca and connects them to expert REALTORS®.

Appendix Chart – Top concerns when it comes to buying a home (CNW Group/TD Canada Trust)

“More than a third of homeowners told us they want to calculate their mortgage range themselves – making this tool ideal for potential buyers doing research on their own; helping them assess their financial situation with more accuracy and make better financial decisions for the long-term. Our Calculator frames home searches within realistic parameters by giving homebuyers a high and low benchmark for their budget, and providing real life examples of what home buyers can afford through REALTOR.ca listings,” says D’Souza.

For those dreaming of buying a home, TD offers the following tips to help Canadians make the right move:

Build a buffer before you buy: More than half of those surveyed (58 per cent) say they’re worried that a rise in interest rates will affect their ability to afford a home, while 43 per cent worry about job stability and other personal issues. As much as possible, consider and plan for the unexpected by maintaining a financial buffer of at least three to six months, to help offset the impact of unforeseeable rate changes. Also take the time to learn as much as possible about the best type of mortgage to suit your needs (for example, fixed versus variable interest rates) to ensure you’re making an informed decision that works best for you.

Be honest about your lifestyle: Don’t confuse your budget with the mortgage you qualify for. Consider what your priorities are and get honest about what can you live with, what you can live without, and how your mortgage payments and ongoing home costs will impact your quality of life. Smart prioritizing will reduce the number of financial sacrifices you’ll need to make.

Embrace a homeowner state of mind: If you’re currently renting or living at home, you might not have fully considered the expenses that come with home ownership beyond mortgage payments. From maintenance costs to various types of insurance needs, there are different expenses to factor in when determining how much you can afford. A good idea is to test drive your mortgage by putting aside what you anticipate your mortgage payments and home owning costs will be each month to prove that your budget is sustainable.

Appendix Chart – Willing to exceed homebuying budget (CNW Group/TD Canada Trust)

About the TD survey
TD commissioned Environics Research Group to conduct an online survey among 2,000 homeowners, non-homeowners, homebuyers and potential buyers from July 28 – August 7, 2017. To qualify for this survey respondents had to be 18 years of age or older and reside in Canada.

About TD Canada Trust
TD Canada Trust offers personal and business banking to more than 11.5 million customers. We provide a wide range of products and services from chequing and savings accounts, to credit cards, mortgages and business banking, to credit protection and travel medical insurance, as well as advice on managing everyday finances. TD Canada Trust makes banking comfortable with award-winning service and convenience through 24/7 mobile, internet, telephone and ATM banking, as well as in over 1,100 branches, with convenient hours to serve customers better. For more information, please visit: tdcanadatrust.com. TD Canada Trust is the Canadian retail bank of TD Bank Group, the sixth largest bank in North America. Mutual Funds Representatives with TD Investment Services Inc. distribute mutual funds at TD Canada Trust.

SOURCE TD Canada Trust

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  457. Well if it makes you feel any better I think I should’ve had my kid when I was younger! heh! I don’t think there is any easy age for being a parent…the wonderful moments just get you thru the challenges.Couple comments since I am catching up…Jaiden’s singing was ADORABLE!! And that is awesome that you are doing stories on the troops!

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  486. Ti dò ragione su colonna sonora, fotografia e Bale (che da solo vale la visione del film).La storia, però, non mi è sembrata nulla di che, parecchi stereotipi, dialoghi che vorrebbero ispirarsi a quelli di Tarantino ma che non gli si avvicinano, e, come sottolinei, un doppiaggio pietoso.Bella, però, la Longoria!…

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  536. I'm also trying it for the first time today. I realized as I was trimming some fat that I have a boneless roast. Hopefully that means I just don't have to pick bones out later, and it won't affect the recipe much. It's also smaller (weight-wise), but there's no bone weight. I used the same amount of liquid, so it's really swimming in there!

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  565. I’m surprised by this review. It contains quite a bit of unnecessary Bible eroticism (complete with references) that some could find triggering. Additionally, to say that the Bible is silent on masturbation is a little off the mark, isn’t it? I thought Jesus taught that to look at a woman with lust in our hearts was sinful. Since masturbation is fueled by lust, it’s a stretch to say the Bible is silent on the subject.

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  767. Majô, sabe o que eu acho? Que as crianças e jovens não lêem porque os pais delas tb não lêem; leitura virou obrigação da escola, e não lazer. Claro que no começo vc estimula (como a sua sobrinha por exemplo), mas se a criança não vê os pais lerem dificilmente o estímulo vai se sedimentar…RastaFlavia é um apelido que eu adorei sabia?bjs!

  772. This is something that I cannot say I’d ever noticed before. So Happy New Year!Unfortunately, I don’t get to see the nicer bits of the Cuyahoga too often, but I’m half-surrounded by the Rocky River. (Which is only ankle-deep in many places for whacking great chunks of the year. More like a long puddle.)Here’s a New Year present, found via Michael Welland’s blog. Icelandic rivers in volcanic landscapes.

  777. So I am just wondering how to add your business page to closed groups you are already a member of with your personal fb page. For example, I am a member of The Pageant Sewing Room. This is a closed group. I am a member and can invite my friends to join, however, I cannot invite my fb business page to join. What can I do?

  779. Da Sie selbst so schöne Fragen stellen, haben Sie hoffentlich auch eine Antwort für mich: was sind “Flirt-Kompositionen”? Klingt hinreißend. Lohnt sich dafür ein Besuch in der Schweiz?Vielen Dank und freundliche Grüße!

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  788. Why did my husband cheat on me with a unpresentable woman?I found out that my husband had an affair last year. When I saw the other woman whom he had the affair with, I was totally shocked. She didn’t look like someone that my husband would be seen with. She looked like she had the same clothes on she had been wearing for 6 months, her hair was matted and she smelled like crap. Why would he even consider sleeping with someone like that? She was way below our standards.

  789. I read this post on Sunday morning and thought to myself that I would ponder on it and come back with my answer today, but I stil don’t have an answer. But I don’t think we should spend too much time trying to figure out our purpose ahead of time because we might then get so focused on that that we miss something else. I guess I’m saying that I shall remain open to possibilities and hopefully I’ll know it when I see it!

  793. Merci d’avoir mentionné ces extraits, ML, parce que j’avais manqué de temps au départ de ma lecture de cette note de Passou, puis avais oublié le lien qui référaient vers eux. Et pour dire, donc, que le tout m’a plu : l’intention et les dégagements de l’auteure, et ces extraits qui font apparaître expresso toute une galerie de personnages, et nous donnent à sentir leurs mouvements apparents ou intérieurs ou les traces de ceux passés ou à venir. Et sans la fausseté d’un embellissement qui trahirait la fidélité.

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  806. I knew someone once who used a gas mask to inhale drugs so that the fumes would get stuck inside and make the effect even more intense. I don’t remember exactly how they rigged this up but.. anyway.. maybe that’s what Romily is doing, thus her color coordination? Just a theory. Tis really unfortunate that their designers couldn’t do something as simple as match a hat to an outfit. Totally random, but I was on a forum and saw someone with an icon of Jayne Cobb in his hat. And it made me think of you XDReznikov recently posted..

  811. Oh wie süss ist diese Karte denn liebe Katrin!Das Motiv ist herzallerliebst und soooo schön coloriert.Die Häkelumrandung sieht einfach umwerfend aus. Ich glaube, ich muss meine Häkelnadel suchen gehen Wünsche Dir ein schönes WEGanz liebe GrüßeSwantje

  814. No.. secondo me è opera di un sabotaggio di Kevin Johnson.Io e i miei compagni di avventura ci siamo attrezzati con Cloverfield (regista è uno dei registi di Lost) e la prima serie del Flying Circus dei Monty Phytons.Fino ad allora dovremmo riuscire a resistere…Male che va cominciamo a ubriacarci.DMC

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  820. This reminds me of the guy who set up a bicycle and had a video camera on top of a building aiming at the area he had it set up at.He had the handlebars just loose enough, as well as the front quick release, so that the person could ride away. However, once they put a little more strength into pedaling, the bicycle basically fell apart at the rider went flying.Great entertainment and karma at it's finest.

  826. Ana Carolina comentou em 7 de julho de 2012 às 00:02. Felizes sao as normal girls, que simplesmente vivem a vida sem a preocupaçao em usar o sapato do momento, com a bolsa do momento, com a maquiagem do momento, até porque o momento da moda é muito efêmero e, a nao ser que vc seja filha única do Abílio Diniz, é impossível acompanhar… Nao sao escravas de nada e certamente menos vítimas do capitalismo e do “mundinho” da moda…

  827. No kidding. Names like “Concealed Carry”, “Pocketlite”, “Personal Defense” or even “Safety Slugs” make sense. “Street-Sweeper”, “Striker”, “Judge” fake-macho type names are asking for trouble and play right into the cause of pants-wetters like Brady Campaign and fellow-travellers.Some of these manufacturers need to reassess their marketing before they put themselves out of business in an effort to sell an extra hundred guns a year to those with poor self-image. Perception is reality in court.

  828. Hi Vince, Thank you for your email . The wine making process involves two steps. You would call us 416-781-9463 to reserve your wine and make an appointment to come in to mix the ingredients. 6-7 Weeks later you come in to bottle the finished product. Our wines have 1/5th the preservatives, are 1/4 the price and you re-use your bottles each time (nice environmental benefit). Cheers. The Wine Butler

  831. Interesting findings but not overly surprising – as someone else mentioned it reflects real life. However it assumes the webmaster is a guy … or a lesbian. What are the chances?It is tough doing legitimate link building – I do around 5 hours of it every week and I get very little response, but will give these tips a try.

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  835. Find den Namen spontan jetzt etwas unglücklich, bei mir tut sich da sofort die Assoziation mit dem bekannten Entwickler auf… aber hey, vermutlich bin ich einfach ein wenig kaputt im Kopfe. In diesem Sinne viel Erfolg: “subscribe to Feed”

  842. August 26, 2007 – 9:06 pm Thanks for the kind words, gang. Stoney – that’s how it starts, dude. “I’ll just take notes for my own benefit.” And then you end up live-blogging every session you attend. I had to force myself to TURN OFF my computer before certain sessions. I even loaned my laptop to Rand for one session!David – it was great to meet you. I just added you to my Bloglines. Looking forward to further conversations.

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  866. Une belle leçon aussi sur la force des convictions face à l’argent! J’imagine que la famille des victimes déteste allègrement les USA. Mais bon, ils ont tout de même envie d’y vivre…J’ai souvent vu ça, des jeunes haïssant les Usa mais disant en chuchotant qu’ils rêvent d’y vivre…Les deux morts doivent être un peu amers.Ceci dit, 2,34 Millions de Dollars, il faut être un saint pour y résister.

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