Autumn’s officially here and this is the season to work on home repairs and renovations to prepare for the upcoming winter. Smart homeowners don’t want to get caught unprepared with the changing weather nor be consumed by serious damages to their home.

Save yourself from costly, major home renovations and repairs by following our autumn to-do list for seasonal maintenance.

7 Useful Tips to Prep Your Home for Winter

Here’s some quick tips to do this fall to make your home winter-proof.

     1. Detect and seal off leaks

Check your home for any unintended gaps and cracks that can affect the heat inside your home. For starters, you may install weather strips and caulking to seal any gaps to make sure that the heat’s contained inside.

     2. Check roof and gutter 

Gutters keep water off the roof and away from the foundation of your house. If the gutters get clogged, water could overspill and seep into your basement. Make sure that they’re clear and free from dried leaves or any debris that can possibly accumulate on your roof.

     3. Lawn care

Pre-winter lawn care includes trimming dead branches from trees that are close to your home. Cut your lawn with the proper cutting technique, known as the one-third rule, meaning that you shouldn’t take off more than one-third of the grass with the blade when mowing. 

     4. Store outdoor furniture in a cool, safe place

Check, clean and secure your outdoor furniture and patio furniture before the winter to keep them safe from the elements. Ensure that they’re in proper working condition before storing them away. 

     5. Have your heating and cooling systems checked

If your heating, ventilation and air conditioning (HVAC) system’s still under service warranty, have them scheduled for inspection. Otherwise, be sure to clean and replace your air filters and air vents. Also, check your thermostat and don’t forget to cover the outdoor air conditioning unit as well.

     6. Clean the fireplace

If you plan to use the fireplace during the winter, be sure to have it inspected and cleaned. Sweep the chimney and dispose of the ashes properly. It’s also important to clean the chimney regularly to avoid any obstructions that could put you at risk of carbon monoxide poisoning. 

     7. Ensure that your winter essentials are in good working order

Your snowblower, outdoor lights and security system are essential during the winter months and should be functioning properly in preparation.

Raising funds for your home repair and renovation

While it may sound easy to pull off some repairs and renovations for your home before the winter season, the challenge lies mostly in raising money for your project. Luckily, there are options for you to finance for home improvements, if you’re looking for extra funds:

     1. Refinance your mortgage

Refinancing a mortgage entails replacing your existing mortgage with a new, larger one. It also involves a new interest rate. Whenever you refinance, you’re tapping into your home equity.

     2. Use your home equity

Home equity loans and lines of credit (HELOC) are secured against the value of your home equity, so lenders may offer lower interest rates as compared to an unsecured personal loan. Remember that it’s still best to speak with a mortgage professional to validate your options.

     3. Secure a second mortgage

An alternative to a HELOC and refinancing is a second mortgage.

With a second mortgage, market fluctuations may not be much of a concern, because they can have lower interest rates as compared to credit cards. 

Biggest Takeaway: Work with the experts

Working on home repairs in preparation for winter may sound like an easy task, but it’s always best to consult an expert or hire a renovation contractor from an established renovation company.

When it comes to financial decisions, seek mortgage guidance from a trusted mortgage professional.

Fortunately, Daisy Raouph offers mortgage consultations that can help walk you through your options. Daisy’s an experienced mortgage broker and financial security advisor in the Greater Toronto Area who’ll help you to meet your home improvement goals for the winter season. Consult Daisy today!

Get started with Daisy Raouph today