{"id":57465,"date":"2018-05-31T16:01:00","date_gmt":"2018-05-31T20:01:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/tips-from-bryan-and-sarah-baeumler-top-five-things-to-consider-when-buying-your-first-home\/"},"modified":"2024-07-12T09:04:36","modified_gmt":"2024-07-12T13:04:36","slug":"tips-from-bryan-and-sarah-baeumler-top-five-things-to-consider-when-buying-your-first-home","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/tips-from-bryan-and-sarah-baeumler-top-five-things-to-consider-when-buying-your-first-home\/","title":{"rendered":"Tips from Bryan and Sarah Baeumler: Top Five Things to Consider When Buying Your First Home"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\">\n\t\t\t\t\t\t\t<span>Real Estate<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Tips from Bryan and Sarah Baeumler: Top Five Things to Consider When Buying Your First Home<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-first-home_402x-2.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-first-home_402x-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-first-home_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-first-home_402x-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Tips from Bryan and Sarah Baeumler: Top Five Things to Consider When Buying Your First Home &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/tips-from-bryan-and-sarah-baeumler-top-five-things-to-consider-when-buying-your-first-home\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/tips-from-bryan-and-sarah-baeumler-top-five-things-to-consider-when-buying-your-first-home\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published May 31, 2018 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Buying your first home is a monumental event. You&#8217;ve saved up, and spent weeks, months, or maybe even longer researching neighbourhoods and looking at homes online. You may have even <a href=\"https:\/\/discover.rbcroyalbank.com\/seven-things-to-look-for-in-a-real-estate-professional\/?utm_source=Discover-Learn&amp;utm_medium=referral&amp;utm_campaign=dl-161503\">found a realtor<\/a> and now you&#8217;re ready to really dig into your home search. So what&#8217;s next?<\/p>\n\n\n\n<p>Whether you&#8217;re buying a brand new downtown condo or an older fixer-upper, there are a few common things to think about when making a decision about what may become your biggest asset.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Your First Home - Quick Tips with Bryan and Sarah Baeumler\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/pK329Ro5jYk?feature=oembed&#038;rel=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-one-thing-you-can-t-change-about-your-home-is-the-location\">&#8220;The one thing you can&#8217;t change about your home is the location.&#8221;<\/h2>\n\n\n\n<p>As part of <a href=\"https:\/\/discover.rbcroyalbank.com\/real-life-rbc-partners-bryan-sarah-baeumler-help-make-real-somedays-happen\/?utm_source=Discover-Learn&amp;utm_medium=referral&amp;utm_campaign=dl-161503\">the exciting partnership<\/a> with Bryan and Sarah Baeumler, RBC had the chance to ask the HGTV Canada stars to go back in time and tell us the top 5 things they&#8217;d tell their younger selves to consider when they were buying their first home.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-here-are-their-top-five-considerations\">Here are their top five considerations:<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1. Location, Location, Location<\/h4>\n\n\n\n<p>You can change the colour of the paint, rip up the carpet and replace the counter tops. You can even break down walls. But the one thing you can&#8217;t change about your home is the location. While there is no magic formula for the perfect spot (some buyers might want to be close to the city centre while others are happiest living in the suburbs or the country), it&#8217;s important to evaluate how the home&#8217;s location will function for you and your lifestyle. It&#8217;s also worth thinking about the re-sale value of the home when considering the location \u2014 for instance, a home close to train tracks or backing onto a hydro field will be more challenging to sell when you&#8217;re ready to move on from your first property.<\/p>\n\n\n\n<p>&#8220;When it comes to our first home, we made a very smart decision,&#8221; says Sarah Baeumler during her chat with RBC. &#8220;We bought for the location, we bought for the land. We saw all the potential it had, which made it a smart investment at the time.&#8221;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. A Solid Foundation<\/h4>\n\n\n\n<p>If you&#8217;ve ever watched <i>Leave it to Bryan<\/i> or <i>Bryan Inc.<\/i>, you know that Bryan Baeumler is all about foundation. &#8220;It&#8217;s the keystone that you build everything else off of,&#8221; he says. A sound, stable foundation will increase the longevity of the property and allow you to build and renovate with confidence if you want to make changes down the road.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Your Budget<\/h4>\n\n\n\n<p>Buying a home can be a highly emotional decision, so it might be easy to get caught up in a bidding war for the perfect place, or to buy at the top of your budget to close the deal. &#8220;But what if there&#8217;s a major issue?&#8221; cautions Bryan. &#8220;It&#8217;s important to buy below your budget so you can make improvements if you need to.&#8221; That advice holds true whether you need to make key structural fixes or cosmetic changes that will turn a property with potential into a home you&#8217;ll love.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">Not sure what your budget is? Get a <a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/getting-preapproved.html\" data-dig-id=\"LP-57465-51bdcf5d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"personalized estimate\" class=\"rbc-link-format\">personalized estimate<\/a> of how much home you could afford &#8230; in 60 seconds!<\/p>\n<\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">4. The Carrying Costs<\/h4>\n\n\n\n<p>The cost of operating a home is often overlooked by buyers \u2014 whether they&#8217;re first-timers or not. But understanding how much it costs to heat the home, cool the home, cover the taxes and otherwise maintain the property is a major consideration when buying. If you&#8217;re purchasing an existing home, get copies of the current owners&#8217; bills \u2014 electricity, water, gas, taxes \u2014 to get a sense for what the operating expenses are, then factor them into your budget.<\/p>\n\n\n\n<p>If you&#8217;re buying new, get a copy of the specifications to understand the systems being installed in the home, as well as the insulation in the walls and attic so you can be sure the home will run efficiently.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">5. Size and Layout<\/h4>\n\n\n\n<p>Will the house actually work for you? Is it big enough? Does the layout suit your lifestyle? Sure, you might be able to knock down walls or build an addition for more space, but those are time-consuming, expensive projects that can add mess and stress to your home and budget. You can also look to see if there is the potential for rental income, if you have a finished basement with a separate entrance. For many first-time buyers, additional income from a renter is one way to offset the cost of owning a home.<\/p>\n\n\n\n<p>If you&#8217;re ready to start shopping for you first home, <a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/getting-preapproved.html\" data-dig-id=\"LP-57465-2012641f\" data-dig-label=\"get prequalified for a mortgage \" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">get prequalified for a mortgage<\/a> so you know what you could realistically afford.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">Farther down the road? Get in touch with an <a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/specialist-locator\/index.html?utm_source=Discover-Learn&amp;utm_medium=referral&amp;utm_campaign=dl-161503\">RBC Mortgage Specialist<\/a> to talk through your home-financing options.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d48c31f7-ad4d-4805-8dc7-bfcc886c1472\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Tips from Bryan and Sarah Baeumler: Top Five Things to Consider When Buying Your First Home &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/tips-from-bryan-and-sarah-baeumler-top-five-things-to-consider-when-buying-your-first-home\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/tips-from-bryan-and-sarah-baeumler-top-five-things-to-consider-when-buying-your-first-home\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-629afac8-561c-4fac-9af4-4cb0543f0373\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/community\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Community<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Real Estate<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div 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grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-681.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-681.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-681.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-681.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/\">\n\t\t\t\t\t\tBryan and Sarah Baeumler\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/5-home-buying-mistakes-to-watch-out-for-tips-from-bryan-and-sarah-baeumler\/\" class=\"card-title h4 mar-t-0\">5 Home Buying Mistakes to Watch Out For: Tips From Bryan and Sarah Baeumler<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/bryan_shower_Thumbnail-default_402x-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"HGTV Canada&#039;s Bryan and Sarah Baeumler share ways to keep you in your home longer as you age.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/bryan_shower_Thumbnail-default_402x-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/bryan_shower_Thumbnail-default_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/bryan_shower_Thumbnail-default_402x-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/\">\n\t\t\t\t\t\tPlanning for Retirement\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/how-your-home-can-play-a-key-role-in-your-retirement\/\" class=\"card-title h4 mar-t-0\">How Your Home can Play a Key Role in Your Retirement<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-d48c31f7-ad4d-4805-8dc7-bfcc886c1472 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home.<\/p>\n","protected":false},"author":10,"featured_media":52799,"parent":57989,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[167,60],"rbc_content_type":[31],"rbc_audience":[59,39,61],"rbc_lob_group":[58],"rbc_difficulty_level":[33],"rbc_mmm_category":[403,314,316,359],"class_list":["post-57465","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-community","tag-real-estate","rbc_content_type-article","rbc_audience-newcomer","rbc_audience-parents","rbc_audience-youth","rbc_lob_group-mortgage","rbc_difficulty_level-beginner","rbc_mmm_category-baeumler","rbc_mmm_category-life-events","rbc_mmm_category-new-to-canada","rbc_mmm_category-settling-in-canada"],"acf":{"contently_publication_id":"161503","custom_author":"Diane 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