Servus Mortgage

Photo: James Bombales

Blame it on rising real estate prices, the popularity of HGTV’s Fixer Upper, or the bevy of DIY bloggers, but Canadians are delving into home improvement projects like never before. As the Alberta economy continues to recover from a difficult 2016 and home prices inch upward at a rate of 3.4 per cent year-over-year, prospective buyers are saving their pennies for a down payment and the upgrades that are often necessary upon move-in.

New regulations from CMHC are going to make it even more challenging for first-time homebuyers to qualify for a mortgage, but Servus Credit Union is here to help. Its cash-back mortgage incentive provides tailored expert mortgage advice, as well as a five-year special rate and cash incentive based on the qualifying amount of the mortgage. Depending on the size of your mortgage, you can get up to $1,250 in cash back.

If you’re already a homeowner, you can use the equity in your home to borrow money at a preferred interest rate. In need of a kitchen makeover or an in-law suite? A home equity line of credit can help cover the costs of your renovation, while improving the overall value of your home.

Whether you’re looking to upsize, downsize or buy for the first time, Servus Credit Union’s special mortgage offers will provide you with the funds you need to make your house a home. We’ve come up 10 ways homeowners can organize their new digs on a budget of $1,250.

MACKAPÄR coat rack with shoe storage unit from IKEA, $69.99

They say first impressions are everything, so it’s important that your entryway is organized accordingly. The MACKAPÄR unit from IKEA features a clothing rack, hooks for hats and scarves, plus two shelves for shoe storage.

Pegboard organizer kit from Wayfair, $159.05

A messy garage is a common gripe among homeowners. Ensure that yours doesn’t turn into a cluttered catastrophe by installing organizing systems when you move in. This handy pegboard kit from Wayfair is perfect for storing tools and hardware.

Customizable storage shelf from Urban Outfitters, $82

Looking to design a home office that you’ll actually want to work in? Customizable storage gives you the ability to arrange (and then re-arrange) your desk supplies according to your needs. Made from natural rubberwood, this Urban Outfitters design is both minimal and colourful.

GRUNDTAL kitchen cart from IKEA, $169

If you’re moving into a small condo or an older home, you may not have a functional kitchen island for meal prep. The GRUNDTAL stainless steel kitchen cart will help to keep your countertops clear, while storing items such as spices, cutting boards, utensils and wine bottles.

Foldable hamper from Bouclair, $34.99

Sick and tired of your significant other leaving their dirty clothes all over the bathroom floor? It may be time to invest in a sturdy hamper. This grey and white striped design from Bouclair is sure to stand out (a subtle reminder to your partner, perhaps) and is fully collapsible, which means it’s easy to store away when not in use.

Pendant triangle scarf holder from Umbra, $18

If you love scarves *and* geometric patterns, this organizer is for you! The copper plated hanger fits over various sizes of closet rods, and the intricate shape allows it to display accessories, jewelry and more.

White rim lacquer tray from West Elm, $35

Style your coffee table just like a designer using a decorative serving tray, like this one from West Elm. Trays can be used to corral decorative items on your tabletop and keep your space looking neat and tidy.

Decorative ladder from Wayfair, $75.99

Ladders aren’t simply a fickle decor trend, they’re versatile pieces of furniture that can be used to store towels, blankets, clothes, magazines or cookware. This barn wood ladder from Wayfair is perfectly imperfect, with nail holes and knots in the grain.

PAX wardrobe from IKEA, $510

Those who live in older homes or small condos are often faced with a troubling lack of closet space. Thankfully, IKEA offers wardrobes in all shapes and sizes, including this PAX model with charming square panel doors. The interior features a clothing rail, pull-out baskets and built-in shelving, making it easy to store a variety of garments and accessories.

Hand Crafted Basket from Wayfair, $93.99

Every household needs a catchall basket for corralling clutter. Although it looks decorative, a basket such as this becomes absolutely essential when you have dinner on the stove and company arriving in 15 minutes. This jute basket from Wayfair features a braided, woven design and sturdy handles for lugging around all your kids’ junk belongings.

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