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Seniors and Reverse Mortgages

Wed, 08 Aug by Pauline Relkey

A reverse mortgage is a loan that allows you to get money from your home equity without having to sell your home. You may be able to borrow up to 55% of the current value of your home tax-free.

Eligibility for a reverse mortgage
To be eligible for a reverse mortgage, you must be:
a homeowner
at least 55 years old. If you have a spouse, both of you must be at least 55 years old to be eligible.

Qualifying for a reverse mortgage
Your lender will consider:
your home equity
where you live
your age
your home’s appraised value
current interest rates

In general, the older you are and the more home equity you have when you apply for a reverse mortgage, the bigger your loan will be.

Accessing money with a reverse mortgage
You may choose to get the money from your loan through:
lump-sum payment
planned advances, giving you a regular income
a combination of both of these options
You must first pay off any outstanding loans that are secured by the equity in your home with the funds you get from your reverse mortgage.
You can use the remainder of the loan for anything you wish, such as:
pay for home improvements
add to your retirement income
cover healthcare expenses

Repaying the money you borrow with a reverse mortgage
You don’t need to make any regular payments on a reverse mortgage. You have the option to repay the principal and interest in full at any time.
Interest will be charged until the loan is paid off in full. The interest will be added to the original loan amount, which increases the loan amount over time.
If you sell your house or if you move out, you’ll have to make payments. When you die, your estate will have to repay the loan.

Costs to get a reverse mortgage
Costs associated with a reverse mortgage may include:
higher interest rate than for a traditional mortgage
a home appraisal fee
a closing fee
a prepayment penalty if you sell your house or move out within 3 years of getting a reverse mortgage
fees for independent legal advice
Shop around and explore your options before getting a reverse mortgage.

Compare the costs and impact of the following:
getting another type of loan, such as a line of credit or credit card, etc
selling your home
buying a smaller home
renting another home or apartment
moving into assisted living, or other alternative housing

Where to get a reverse mortgage
Two financial institutions offer reverse mortgages in Canada:
HomEquity Bank offers the Canadian Home Income Plan (CHIP). It is available across Canada directly from HomEquity Bank or through mortgage brokers
Equitable Bank offers the PATH Home Plan. It is available through mortgage brokers in Alberta, British Columbia and Ontario
Your financial institution may offer other products that might meet your needs.

Pros and cons of a reverse mortgage
Before you decide to get a reverse mortgage, make sure you consider the pros and cons carefully.
Pros
You don’t have to make any regular loan payments
You may turn some of the value of your home into cash, without having to sell it
The money you borrow is a tax-free source of income
This income does not affect the Old-Age Security (OAS) or Guaranteed Income Supplement (GIS) benefits you may be getting
You still own your home
You can decide how to get the funds

Cons
Interest rates are higher than most other types of mortgages
The equity you hold in your home may go down as the interest on your loan adds up throughout the years
Your estate will have to repay the loan and interest in full within a set period of time when you die
The time needed to settle an estate can often be longer than the time allowed to repay a reverse mortgage
There may be less money in your estate to leave to your children or other beneficiaries
Costs associated with a reverse mortgage are usually quite high compared to a regular mortgage

Questions to ask a lender about reverse mortgages
Before getting a reverse mortgage, ask your lender about:
the fees
any penalties if you sell your home within a certain period of time
how much time will you or your estate have to pay off the loan’s balance if you move or die
what happens if it takes your estate longer than the stated time period to fully repay the loan when you die
what happens if the amount of the loan ends up being higher than your home’s value when it’s time to pay the loan back

Myth: The bank owns the home.
Fact: The homeowner always maintains title ownership and control of their home and they have the freedom to decide when and if they’d like to move or sell.

Myth: The bank can force the homeowner to sell or foreclose at any time.
Fact: A reverse mortgage is a lifetime product and as long as property taxes and insurance are in good standing, the property remains in good condition, and the homeowner is living in the home, the loan won’t be called even if the house decreases in value. Reverse mortgages provide peace-of-mind that the homeowner can stay in their home as long as they’d like.

Myth: Surviving spouses are stuck paying the loan after the homeowner passes away.
Fact: Surviving spouses can choose to remain in the home without having to make a payment unless they choose to sell the home.

Myth: The homeowner cannot get a reverse mortgage if they have an existing mortgage.
Fact: Many people use a reverse mortgage to pay off their existing mortgage and debts, freeing up cash flow for other things.

Myth: A reverse mortgage is a solution of last resort.
Fact: Many financial professionals recommend a reverse mortgage because it’s a great way to provide financial flexibility. Since it’s tax-free money, it allows retirement savings to last longer.

Home is where the heart is, but it’s getting more difficult for seniors to stay in their homes.
93% of Canadian Seniors live at home and prefer to age in place.
60% of retired Canadians say staying in their home is critical to their quality of life.
700,000 Canadian senior-led households face a housing affordability challenge.
Canadian seniors who live alone at home experience poverty at nearly twice the rate of other seniors.
1 in 4 Canadian senior-led households are spending more than 30% of their income on housing.
Only 1/3 of the Canadian workforce is covered by a registered pension plan down from 37% in 1992.
Almost 30% of Canadians who are nearing retirement have $50,000 or less in savings.
35% of those nearing retirement plan to use the value of their home to generate retirement income.
Nearly 70% of Canadians nearing retirement are still carrying debt.

THE TAKEAWAY
Most seniors prefer to live their retirement years at home but live on modest incomes and may face challenges to their financial security. Canadian seniors do benefit from access to CPP, OAS and housing assets but are feeling the pinch.

WD40 – the answer to so much

Thu, 02 Aug by Pauline Relkey

Here Are 20 Little-Known Ways That WD-40 Can Change A Person’s Life

1. Polishing silver: If you have a collection of silver that always seems to be tarnishing over time, WD-40 can definitely help you out with that. Spray down your silver and wipe it clean. It’s just that easy to keep it looking sparkly and new! 

2. Cleaning shoes: When it comes to sneakers, WD-40 is a person’s absolute best friend. In the winter, you can remove stubborn rock salt spots that build up by spraying them and wiping them down. If you want to make your whole shoe waterproof, spray the entire surface with the stuff. 

3. Protecting bird feeders: While having a bird feeder in your yard is a great way to keep beautiful birds in plain view, squirrels are notorious for stealing seeds from them. To keep these critters away, spray down the center pole with WD-40 and the squirrels will slide right off. (Is this how they make those funny videos of squirrels twirling and slipping and sliding around like crazy?)

4. Cleaning toilets: Depending on the type of water in your house, cleaning your toilet can feel like a pointless task. If you use WD-40 the same way you would use your regular toilet bowl cleaner, you’ll notice that it gets clean quickly and stays clean longer.  Remember this blue color??? 

5. Unsticking gum: Chewing gum is delicious and a great way to keep hunger at bay—but when it doesn’t make it to the actual trash can, it can get stuck on shoes and other surfaces and never come off. If you need to banish hard, chewed-up gum, go ahead and spray it down with WD-40. That will help it come right off!
6. Removing crayon marks: Do you have kids or grandchildren who love to take their crayons and scribble on walls and even on furniture? Don’t break your back trying to remove the marks! Instead, lightly spray them with WD-40 and they should rub right off.
7. Defrosting ice: Whether you live in a cold climate year-round or you’re gearing up for the winter season, spray your windows down with WD-40 and then wipe the excess away. Believe it or not, this will keep the ice from sticking to your windows and save you time getting out of the driveway in the morning. 
8. Removing water stains: It’s so frustrating that the same shower you step into to get clean tends to collect a crazy amount of water stains. If you want to get rid of them fast, follow up your usual cleaning routine with a spritz of WD-40 and watch the water stains disappear.
9. Polishing scissors: If you use scissors in the kitchen or crafting regularly, then you know just how sticky they can get over time. If you want to keep that stickiness at bay, polish them regularly with a healthy dose of WD-40 and they’ll be just perfect. Use this on tools also. 
10. Removing stickers and price tags: If you have ever tried to peel off a sticker on a window or a bumper sticker on your car, you know what a hassle it can be. Using WD-40 makes it a breeze. Just coat the sticker and gently peel it away! 
11. Unsticking zippers: Is there anything more frustrating than having a zipper on your backpack or your favorite coat get totally and absolutely stuck in place? Here’s good news: if you spray WD-40 on the zippers and gently work them back and forth, they’ll slide right back into place! 
12. Removing tea and coffee stains: If you or a house guest have ever spilled a little coffee or tea on a table in your home, you know how hard it can be to ever get it out again. Thankfully, combining your regular cleaning routine with a squirt of WD-40 will banish it in no time. 
13. Banishing tar stains: If your car gets covered in tar, then it’s definitely time to break out the WD-40. Just spray down the surfaces and even the most stubborn patches should melt away like hot butter! How great is that? 
14. Taking off rings: If you wear a ring regularly then you probably know what it’s like when it gets stuck on your finger. It happens to everyone at some time or another. Don’t panic! The easiest way to remove it is to cover your finger with WD-40 and then slide it off. It works like magic! 
15. Remove lipstick: Lipstick is always a fun way to make your look for the day pop. Unfortunately, it’s less fun when it transfers onto other items of clothing and settles in to stain. Luckily for you, WD-40 as a pre-wash stain treatment will help remove that lipstick in no time flat. 
16. Helps Open Rusty Locks: If you’ve got a rusty key or a keyhole that won’t cooperate, apply some WD-40 and you should be able to gain easy entry. 
17. Extends the Life of Shower Heads: This is another little-known household use for WD-40. Shower heads have a tendency to break down over time, but applying WD-40 can extend their life span by years.
18. Removes Mildew From Refrigerator Gasket: We’ve all seen it before: Disgusting gunk builds up on your refrigerator gasket. Well, WD-40 will remove this. Simply apply, let it sit for a few minutes, wipe off, and you’re done.
19. Filters Dust When Sprayed on Air Conditioning Filter: Spray a light coating of WD-40 on your AC filter before installing, and your filter becomes exponentially more effective. I tried this method, and it did seem like I was breathing cleaner air in my home. Later, when I went to change out a filter that I had sprayed with WD-40, it seemed to have filtered a great deal more dust than normal.
20. Quiets Squeaky doors: whether it’s your front door or kitchen cupboard door, spraying a little WD-40 on the hinges will quiet things down. 

A Happier Home

Thu, 28 Jun by Pauline Relkey

1. Make your bed.
The book The Happiness Project, explains that this 3 minute task is one of the simplest habits you can adopt to positively impact your happiness.

2. Bring every room back to “ready.”
It’s a known fact: Clutter causes stress; order creates a haven from it. This mood-boosting routine is simple: Take about 3 minutes to bring each room back to “ready” before you depart it. (Unless you have a toddler, or a partner who likes to simulate earthquakes, three minutes should be sufficient.)

3. Display sentimental items around your home.
One reason that experiences (and memories of those experiences) make us happier than material things is due to the entire cycle of enjoyment that experiences provide: planning the experience, looking forward to the experience, enjoying the experience, and then remembering the experience. Make your home a gallery of positive memories.

4. Start a one-line-a-day gratitude journal.
Before bed, simply jot down one happy memory from that day. (If you have kids, you can ask them, “What was the best part of today?”) Reflection is an important part of happiness, and pausing to reflect on a positive event from each day cultivates gratitude. (An added bonus: Later, when your memory is defunct, you will already have all of your meaningful adventures recorded!)

5. If you can’t get out of it, get into it.
The dishes are not going to clean themselves, so you will do it, and you will like it! (Unless, of course, you can outsource this job, in which case I say: Nice work!) Otherwise, get into doing the dishes. Feel the soothing warm water on your hands. Enjoy the tickle of the tiny bubbles. Crank your favorite album at an unusually loud volume, do a couple fist-pumps while shouting “Can I get a hell yeah for the dishes? Hell! Yeah!” and pretend you love it.

6. Before you get up each morning, set an intent for the day.
Every day, think as you wake up: today I am fortunate to be alive, I have a precious human life, I am not going to waste it. I tend to wake up with a strong visceral reaction that says, “Attention human beings: Be afraid of me before coffee. Be very afraid!” Setting a daily intent makes a huge difference. Your daily intent could be something like “be productive” or “enjoy today’s delicious moments” or it could be something more specific like “say thank you to my loved ones today.” But it should not be another “to do” item on your list.

7. Do small favors for your housemates, expecting nothing in return (not even a thank you!).
(That’s right, I said it: nothing!) Mow the lawn for your husband, but don’t expect him to pat you on the back. Make the bed for your wife, but don’t try to get bonus points for it. Take the trash out for your roommate, just because. The ability to cultivate strong, healthy relationships is one of the biggest contributors to health and happiness, but when you start to keep score, the benefit is lost. (No! It’s YOUR turn to clean up the dog poop!) It’s a well-known fact: When you do good, you feel good.

8. Call at least one friend or family member a day.
You can do this while you clean, while you make the bed or while you walk the dog. Texts and emails do not count! Make an actual phone call to a loved one, just to chat and catch up. We humans are social beings and studies show that even when we don’t feel like it, even if we are naturally introverted, socializing with our loved ones makes us feel better.

9. Spend money on things that cultivate experiences at home.
Save money for a new grill for parties or a new DVD for family movie night — something that will encourage you to have people over and entertain. Plan a summer barbeque, invite your closest friends, kick back and relax. (And don’t forget to print out the pictures to remember the good times.)

10. Spend a few minutes each day connecting with something greater than yourself.
Whatever your spiritual beliefs — or non-beliefs — may be, studies show that connecting to a high power is correlated with happiness. Just stepping back to realize that we are part of an enormous universe can put some perspective on your annoyance with the those-are-definitely-not-mine-and-they-are-abso-fricking-lutely-repulsive socks under the coffee table. Before bed, spend just a few minutes contemplating something larger than yourself. Take a walk in nature. Write in a journal. Create a sacred space in your home. (Or if spirituality is really not your thing, create a home spa: light some candles, soak in a hot bath, delve into a good book… are you feeling better yet?)

Sask Power Outages

Mon, 30 Apr by Pauline Relkey

Are you wondering if your area will have a planned outage soon? Check Sask Power’s website to plan ahead. Click here.

When an Outage Occurs

  • Step 1: Determine if the power failure is limited to your home

    • If your neighbours have power, check your electrical panel to see if the main circuit breaker has tripped. Even if it appears to be on, turn the breaker off and back on again to ensure a good connection.

    Step 2: If your electrical panel or main breaker isn’t the cause of the outage, call 310-2220.

    • Turn off or unplug any appliances, computers or electronics you were using when the power went out. Leave one light on so you’ll know when your power returns.
    • Keep refrigerators and freezers closed. If the power is out for a long time, make sure you check all refrigerated and frozen food before you eat it.
    • Close all doors, windows and drapes to conserve heat (unless the sun is shining in).
    • Never light a fire indoors unless you’re using an approved fire place or wood stove.
    • When faced with multiple outages, Sask Power prioritizes as follows:

      1. Life threatening or hazardous situations like power lines that have fallen on a road or vehicle.
      2. Large outages — Main lines and major equipment that return power to the largest number of customers.
      3. Small, isolated outages — Secondary lines and neighbourhood equipment.

When the Power Is Restored

They restore power when repairs are complete. If your neighbour’s power has returned and yours has not, there could be a problem specific to your home. Recheck your main breaker and reset it even if it appears to be on.

Occasionally, the power goes out again; this is sometimes the sign of another unidentified problem. Make sure to call us every time the power goes out (after you’ve checked your own main breaker). If power is not restored, call us toll-free at 310-2220.

Tips for the First-Time Home Buyer

Wed, 25 Apr by Pauline Relkey

When venturing into the world of home ownership, first-time buyers often find themselves having to make important, fast decisions in what feels like a surreal situation — after all, it might have only been a few weeks since owning a home seemed more like a far-off daydream than an immediate reality. A few common sense tips will help you navigate these unfamiliar landscapes as you move towards one of the biggest financial decisions of your life.

1. Get pre-approved
Though a pre-approval isn’t a guarantee that you’ll get a mortgage when you’re find a property, having one can give you a firm grasp on what you can afford before you start looking. A pre-approval from your bank or lender will save you time by narrowing your search to a more precise selection of homes, and this, in turn, can protect you from the all-too-common disappointment that follows setting your heart on a house you can’t afford.

2. Don’t expect your standards of living to change
It’s bound to happen: you see a house that maxes out your budget, but you imagine you can make it work by cutting out things like morning coffees, cellular data and cable TV. Remember, ‘roughing it’ for the sake of your house quickly loses its charm, and you’ll soon regret the lack of wiggle room for things like new furniture, redecorating, or unexpected repairs. Don’t regret your first home — avoid becoming ‘house poor’ by staying below the upper limit of what your bank is willing to lend you.

3. Make a list and check it as many times as it takes
Each property you consider will have its own unique combination of pros and cons, and going through them can feel a little like comparing apples to oranges. Don’t expect to stay clear-headed when the house with the poor walking score has the kitchen of your dreams; instead, stay on track by building a list of “must haves” and “nice to haves.” Though your list might evolve over time (especially if the “must haves” are rare for your price range), having a set of self-imposed guidelines can keep your search on course when you’re feeling overwhelmed by options.

4. Don’t confuse “first home” with “forever home”
Most first-time buyers start out a little starry-eyed, imagining that new home will be stylish, spacious, efficient … basically, everything they’ve been dreaming of. In reality, being able to afford a house that has everything you want is pretty rare in the first go-round, which can make you feel so discouraged you start closing yourself off to the available options. Remember, your ‘starter home’ doesn’t have to meet all the criteria of your ‘dream home,’ and the equity you’ll build for the next few years will get you closer to your goal.

With so much new information to absorb, steps to take, and decisions to make, buying a first home can feel like a rollercoaster ride. It’s important not to lose your head throughout all of it. Taking a few steps to keep your expectations rooted firmly in reality can help you glide through the process and feel confident in your final decision.

Want to be on TV?

Tue, 24 Apr by Pauline Relkey

I have been contacted by CBC to see if I have owners selling houses/looking to downsize/interesting stories/also if anyone is buying a cottage and what that experience is like for Canadians across the country.

The casting call will be sent out soon.

Four days of filming.

Selling between June and October 2018.

Let me know.

Time to Wash the Windows

Tue, 10 Apr by Pauline Relkey

I have dealt with College Window Washers for years now and am happy with their service, so I thought I would share their info with my clients.
Good day folks!
Happy Early Spring to you. I hope you are all doing well and enjoying the last few days of winter.

For this our 28th !! year, we are hoping to once again book your Spring, Summer and Fall Exterior and/or Interior window washings at your home for the upcoming season.

As always, offering FANTASTIC RATES for you, we ask that you gather a few neighbours or family and friends with our crew coming out to do them the same day to offer you an extra DISCOUNT to keep all of your windows sparkling!

New these last few years is our TOTAL HOME DETAILING Package that are very popular. Call Lee for your specific price details.

We offer a gutter cleaning, pressure washing of your home, and exterior window washing – A TRULY FULL SPRING CLEANING !

Also save 20% off your normal pricing by booking a 7 time Monthly Exterior window washing – April through October home window cleaning or 6 exterior/1 interior.

As well, we are offering our Interior window washing special pricing in March or April. This is great timing as you start thinking about spring cleaning, in addition to it being a quieter period for our crew.

Thank you for your continued support of College Window Washers, the original ones since 1990. Although our crew strives to train new students every year, trust that our veteran experienced guys are here to ensure your satisfaction each visit. Our work is ALWAYS 100% guaranteed to your satisfaction. If you are happy with the service we provide, we would appreciate if you would pass along our name to your friends, family and neighbours.

Thanks for your continued support .. we really do appreciate it.

See you all real soon for some SPARKLING CLEAN WINDOWS !

Sincerely,
Lee Kennedy

306 585-7667 office
306 596-7896 cell
leeken@myaccess.ca
www.windowwashingregina.com
www.propertymanagementregina.com
www.facebook.com/collegewindowwashers

8 Things to Consider Before Selling Your Home

Mon, 26 Feb by Pauline Relkey

As winter moves closer to the finish line, the annual spring real estate market heats up. There are many things to consider before you put your home on the market – here are 8 of the more critical ones.

1. Budget

Know what you can afford so that you don’t stretch yourself thin. Talk to your mortgage person.

2. Know the costs.

There are plenty of expenses when selling your home. Some are straightforward such as renovations and paying for movers. Others may not be as obvious – nor who pays for them – such as land transfer taxes (buyer pays), real estate agent commissions (seller), mortgage insurance (buyer), legal fees, bank fees and possibly capital gains taxes.

3. Find out your home’s worth.

Knowing how much you’re likely to get for your home can dictate how much you may be able to afford when buying another house. Do your research by checking what similar homes have sold for in your neighbourhood. The best way to do this is to meet with your Realtor who will be listing your house for sale.

4. Choose a real estate agent.

You can choose to sell your home yourself to save the commission fees – but you also incur all the responsibility for writing legal contracts. Of course, I suggest that you choose a trusted real estate agent who knows your area and by asking for referrals. If your Realtor helped you find your present property and has stayed in touch with you, give her/him a call.

5. Decide when to sell.

Do you sell during the traditional peak markets of spring and summer or or off-season? Selling during the peak means more buyers and possible bidding wars, while selling off season means fewer homes competing with yours. As the saying goes, 6 of one and half a dozen of the other.

6. Add visual appeal.

Creating curb appeal is an obvious benefit, but don’t forget to freshen up the interior as well. Make any minor renovations, declutter and consider staging, because professionally staged homes typically sell faster and for more.

7. Get a home inspection done.

While buyers will probably get their own inspections done, having one ready says that you’re confident in your home and have nothing to hide because you have taken care of what work is needed – it provides peace of mind for everyone.

8. Coordinate closing dates.

Being able to move from one home to another on the same day can be hectic and cause you stress. Hopefully you can take possession of your new place before you have to be out of your present one. If not, you may have to either rent another home short-term, put belongings in storage and generally cause unnecessary upheaval in your life. Talk to your bank about bridge financing.

Apply for a $5000 Grant

Fri, 23 Feb by Pauline Relkey

The Mission of the Association of Saskatchewan REALTORS® (ASR) Quality of Life Program is to demonstrate REALTOR® care and commitment to all communities in Saskatchewan.
The ASR Quality of Life Legacy Grant Program supports that mission by awarding $5,000 grants each year to one charitable organization in each of six regions in the province:
• Region 1: Saskatoon & area;
• Region 2: Regina & area;
• Region 3: Moose Jaw / Swift Current & area;
• Region 4: Estevan / Weyburn & South East area;
• Region 5: Lloydminster / North Battleford & North West area;
• Region 6: Prince Albert / Melfort & North / North East area.
Applications are currently being sought from registered charitable organizations that support the following activities that align with the ASR Quality of Life principles and priorities, as follows:
• support shelter-related services in our communities
• enhance environmental sustainability, protection and conservation of natural areas
• promote safer neighbourhoods and improved community services
• enhance and promote community development and better opportunities for “at risk” populations
• support populations and disadvantaged citizens

DEADLINE IS MARCH 18, 2018

Click here for all the info and application form.

Do you know your Credit Score?

Wed, 14 Feb by Pauline Relkey

GET YOUR CREDIT REPORT
Your credit history is an important part of your future – it can open doors for you or keep them locked. Decisions including approvals for loans and mortgage or rental applications may be affected by your credit history.

Make payments on time and always pay at least the minimum amount required
Notify creditors as soon as you move to ensure bills will arrive at your new location on time
Notify creditors right away if you experience problems making a payment
Review the accuracy of your credit report by checking with one of the two largest credit reporting agencies – Equifax or TransUnion
To receive a copy of your personal credit report, please send a written request to one of the following credit reporting agencies:

EQUIFAX CANADA INC.
Consumer Relations Department
Box 190 Jean Talon Station
Montreal, QC
H1S 2Z2
Phone: 1-800-465-7166
Fax: 1-514-355-8502
www.equifax.ca to complete and mail Equifax’s Credit Report Request form.

Requirements:
Equifax requires a written credit report request including your name, address, date of birth and Social Insurance Number (optional). Please also include photocopies of two forms of identification (both sides) and remember to sign your request.

TRANSUNION OF CANADA
(For all provinces except for Quebec)
Consumer Relations Centre
P.O. Box 338, LCD 1
Hamilton, ON
L8L 7W2
Phone: 1-800-663-9980
7 a.m. until 8 p.m. ET, Monday to Friday
Visit www.tuc.ca for TransUnion’s Consumer Relations Information form

TRANSUNION (ECHO GROUP)
(For Quebec residents)
1 Place Laval
Suite 370
Laval, QC
H7N 1A1
Phone: 1-877-713-3393 or 1-514-335-0374
8:30 a.m. until 5 p.m. ET, Monday to Friday
Visit www.tuc.ca for TransUnion’s Consumer Relations Information form

Requirements:
TransUnion requires a written credit report request including your name, address, previous address (if present address is less than five years), phone number (optional), date of birth, place of employment (optional), and Social Insurance Number (optional).

Please also include photocopies of two forms of identification (both sides) from the following list:

Driver’s Licence
Passport
Certificate of Indian Status
Age of Majority/Provincial ID
Citizenship Card
Department of National Defense Card
Firearms Possession and Acquisition Licence (with photo only)
Social Insurance Number (optional)
Credit Card (primary account holder)
Or, you can include one or more of the above along with one of the following:

Credit Card (secondary account holder)
Birth Certificate
Legion Card
Hunting/Fishing Licence
T4 Slip
Student Card (only with photo, signature and currently enrolled)
Employee ID/Union Card (only with photo, signature and current employer)
If more than one member of your household is requesting their credit report, each separate request must contain all of the above information.

The data included on this website is deemed to be reliable, but is not guaranteed to be accurate by the Association of Regina REALTORS® Inc.. The trademarks REALTOR®, REALTORS® and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Used under license.