Costs of buying a home in BC

Closing Costs: by Jan Addams


My husband and I are in the process of selling our home and looking forward to finding a place to call ours for the next 10-15 years.  I really do understand all the pain and frustration that my clients go through when they are renovating, or selling and building new. The excitement of looking for a new home can be diminished if your haven’t prepared yourself for the closing costs’. 


Here is a list required for the ‘BUYER’:

The following costs will be your responsibility upon closing:

  • Property Transfer Tax (PTT): For properties over $450,000 or for investment properties, the PTT is 1% on the first $200,000 of the purchase price and 2% on the balance of the purchase price.
  • Inspection fees: these fees vary based on property type; but typically run between $350 and $500.
  • Site survey: for detached properties, some lenders may require a site survey. If required, this will be ordered by the lawyer and will cost approximately $300-$350.
  • Title insurance: some lenders may require this, and if so, it will be ordered by the lawyer and will cost approximately $150-$200.
  • Appraisal fee (depending on the lender): $165-$250
  • Legal fees and Disbursements: typically these costs are between $750 and $1,000.
  • Mortgage Application fee: in some cases, the lender will require a mortgage application fee. This can be discussed with your mortgage lender.
  • Don’t forget about your moving costs which can include cable hook-up, movers, packing supplies, cleaning etc.

Lighting is the biggest challenge in Retail Design

Host Jan Addams – ‘DAT Girl Interviews’ – Retail Specialist Heddy Bing

This is Part 2/2

Jan Addams Interviews Ms. Heddy Bing Part 2  In this segment, Heddy discusses one of the biggest challenges in Retail design – Lighting!

  1. Understand and work within the city’s by-laws for amount of lighting allowed.
  2. Know the amperage level allowed in your space.
  3. Know the Kelvin lighting temperature choices.
  4. Warm temperature lighting ie: 2800 Kelvin is best used in residential.
  5. Cooler temperature lighting ie: 3500- 5000 Kelvin is used to enhance fixtures; mannequins; diamonds etc.


For more information you can contact 


5 Tips to make your store profitable

 CLICK on the Image Below to view –  Jan Addams interview with the amazing Retail Specialist – Ms Heddy Bing from Urban Spaces.

Jan Addams Interviews Ms. Heddy Bing Part 1Heddy discusses what it takes to make a Retail Store profitable.

  1. It starts with an idea
  2. Business Plan
  3. Budget
  4. Proper Timing
  5. Attention to personal style in your Retail Boutique Store.



This is Part 1/2; CLICK HERE to watch ‘Part 2’ of the interview.


When is it time to Sell?

Deciding to sell our home is one of the toughest things we face.

Our Playa Belcarra Home 2004There are memories we will take with us wherever we go but, it is the unknown that often haunts us.

Are we making the right decision?

Is the timing right?

Will we get the money we want for our home?

Will we like our new neighbours and neighbourhood?

All those thoughts keep us up at night.  We relive the multiple fun and sad events we’ve had in our home and area.  We watched our children grow into fine adults and ultimately move on with their lives.  We wonder if we will have the same level of enjoyment if we move to a different space especially if we end up downsizing.

If anyone has tips to help others with the process – post them below.

Meanwhile, grab  the FREE REPORTThe 8 Key Deciding Factors I created to help you through this process.


Budgeting for a Renovation – DD Part 2/8

Before you begin any Interior Design Project you need to take into consideration several factors such as:

The Location; Amenities; Existing Structures; Landscape details and/or Topographical features as well as the current price point of the other properties in the area.

The Interior Space should be designed to complement the lifestyle and functional use of its occupants and plan for the future use to ensure the home design and materials will fulfill its highest and best use for years to come. This is called from ‘Cradle to Grave’ Design and can include items like wheel chair access and secondary suites for mortgage help or to be used as in-law suites.

Trends last 7-10 years so, if you aren’t sure whether you should spend the Money or TimeGrab this FREE Report:

The 8 KEY Deciding Factors – Should you Renovate or Sell?



Jan Addams D.A.T. Girl – introduces DESIGN DOMINOES – The Interior Process Game

This is the first video in a series of nine.


Design Dominoes begins with choosing Art 


Click on THIS LINK to Grab the 8 KEY Deciding Factors – Should You Renovate or Sell?

If you would like to see more or have a question, please insert your comments below…



3 TIPS to Personalize Your Home Office

Professional Organizer and Productivity Expert Sherry Borsheim

from SIMPLY PRODUCTIVE interviews Designer, Author, Trainer Jan Addams



Contact Jan Addams HERE to help you Personalize Your Office


TIPS on how to Organize, Systematize & Automate

Jan Addams Interviews Organizing GURU…

Sherry Borsheim from Simply Productive

Sherry gives us 3 TIPS on how to have a…

  • streamlined
  • organized and
  • successful life & business in 2014 

                Organize > Systematize > Automate


Tis the Season…

Poinsetta Tis the Season to be…

At this time of year everyone is running around trying to prepare for the holidays.

This includes ‘Black Friday‘ shopping after Thanksgiving and then the Christmas rush. Last year I wanted a less ‘stuff’ Christmas as I really didn’t want all the hassle of putting up a tree and all the fixings.  I decided instead to decorate our spiral staircase.  In case you missed it Click HERE to view.  That actually proved to be more work than decorating a tree!

This year will be a little different again…

If you have been reading some of my ‘Downsizing by Design  Blog posts you know that we are in the ‘de-clutter not de-style‘ mode.  I have to look at everything – including Christmas Decorations – and assess what I want to use, keep or give away while still maintaining a ‘holiday not a humbug spirit‘.

I have invited my wonderful girlfriend over to help me.   I highly recommend this!  Not only does it make it more fun, you get to see your stuff with a new set of eyes.  All of us (including Interior Designers and Decorators) can sometimes get a mental block for our own homes.

Stay tuned for the ‘Ho Ho – Let it Rain or Snow’ video…

Article by Jan Addams -DAT Girl