Buying a home isn’t just about your mortgage payment! Lenders calculate your eligibility using a minimum monthly heating cost and only 50% of condo fees (if applicable), but the actual costs of homeownership go far beyond that. Here’s what lenders don’t factor in: ✅ Home Insurance – A must-have for protecting your investment. ✅ Utilities (Hydro, Water, Heating, etc.) – Costs that vary based on usage and home type. ✅ Maintenance & Repairs – Older homes and condos with high maintenance fees can su
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