Buying or selling a home is one of the biggest financial and emotional decisions you'll ever make. In a fast-paced market, having the right real estate agent by your side can make all the difference. From helping buyers avoid costly mistakes to ensuring sellers get top dollar, a great agent brings strategy, insight, and peace of mind to the entire process.

For Buyers: Local Knowledge That Goes Beyond Listings:

A great buyer’s agent offers more than just access to homes—they bring deep knowledge of Calgary’s communities, amenities, development plans, and market trends. Their insight helps you find not just the right property, but the right location to suit your lifestyle, budget, and both short- and long-term goals.

For Sellers: Market Insight That Maximizes Your Value:

When selling, timing, pricing, and presentation are everything. An experienced listing agent understands current market trends and conditions to position your home to attract the highest level of attention. They know how to create a strong marketing plan, stage your home effectively, and set a strategic price that draws interest while protecting your bottom line.

Skilled Negotiation:

Whether you’re buying or selling, negotiation plays a critical role. A skilled agent can help buyers win in competitive situations and help sellers navigate offers to maximize price and minimize conditions. Their job is to advocate for you—whether it’s pushing for the best deal or ensuring your sale closes smoothly and on time.

Clear Communication, Every Step of the Way:

Real estate transactions can be overwhelming, but a professional agent keeps you informed and confident. From offer to closing, they should provide consistent updates, answer questions clearly, and guide you through the details—so you’re never left wondering what’s next.

An Agent Who Prioritizes You:

The right agent takes the time to understand your goals—whether you're searching for a new home or preparing to sell one. They listen, offer honest advice, and focus on what matters most to you, from walkability and lifestyle fit to profit potential and future resale value.

Conclusion:

In a market as dynamic as Calgary’s, real estate success isn’t left to chance—it comes from working with someone who truly understands the market, listens to your needs, and puts your best interests first. Whether you’re buying your first home, upgrading, or selling your current property, partnering with the right agent who aligns with your goals is one of the smartest decisions you can make.

But beyond experience and knowledge, the right fit matters too. You’ll be spending a lot of time together, making big decisions—so it’s important to choose someone you genuinely connect with, feel comfortable around, and enjoy working with. Real estate is a relationship business, and that connection can make the process feel less stressful and a whole lot more enjoyable.

With over 8,500 REALTORS® in the city, you don’t have to settle for just anyone. Find someone who not only knows the market, but feels like the right partner for your journey.

Buying your first home is an exciting milestone—but let’s be honest, it can also feel a bit overwhelming. From navigating mortgage options to picking the right neighbourhood, there’s a lot to consider. The good news? Knowing what to expect will help you feel more confident and avoid common (and costly) mistakes.

Whether you're looking for an affordable starter home or exploring first-time buyer incentives, here are five key things to know before buying your first home in Calgary:

1. Get Pre-Approved for a Mortgage Before You Start Looking:

One of the most common mistakes first-time buyers make is falling in love with a home before understanding what they can realistically afford. Getting pre-approved for a mortgage gives you:

• A clear idea of your price range based on income, debts, and credit score

• More credibility with sellers (especially in a competitive market)

• The ability to lock in a mortgage rate and protect yourself from future increases

How to Get Pre-Approved:

• Meet with a mortgage specialist or broker to review your finances

• Provide income verification, debt history, and credit score details

• Compare different mortgage products to find the best fit for your needs

This step saves time and sets a solid foundation for your home search.

2. Budget for More Than Just Your Down Payment:

While saving for a down payment is important, it’s only part of the financial puzzle. There are several additional costs to factor in:

Other Expenses to Expect:

• Closing Costs: Legal fees, title insurance, land transfer taxes, and inspections

• Property Taxes & Home Insurance

• Utilities & Moving Costs

• Condo Fees (if applicable)

• Maintenance & Repairs

A good rule of thumb is to set aside an extra 1–3% of the home’s purchase price for unexpected costs. Being financially prepared makes homeownership much more manageable.

3. Look Into First-Time Homebuyer Incentives:

There are several programs designed to make buying your first home a little easier:

• First-Time Home Buyer Incentive: A federal program that offers a shared-equity loan to help lower monthly payments

• Home Buyers’ Plan (HBP): Withdraw up to $35,000 from your RRSP to use toward your down payment

• First-Time Home Buyers’ Tax Credit (HBTC): A non-refundable tax credit to help with closing costs

Taking advantage of these incentives can reduce your upfront costs and make your first home more affordable.

4. Choose the Right Neighbourhood:

The home matters—but so does the community around it. Think about your lifestyle and what kind of neighbourhood will support it.

Factors to Consider:

• Affordability: Are prices in the area within your range?

• Commute: Is it close to work, public transit, or major roads?

• Amenities: Are there parks, schools, shops, or restaurants nearby?

• Future Growth: Is the area developing? Will your investment grow in value?

• Popular Calgary Neighbourhoods for First-Time Buyers:

Exploring neighbourhoods that match your goals will help you find a home you’ll love long-term.

5. Work With a Realtor Who Knows the Calgary Market:

Buying your first home comes with a learning curve, and working with a knowledgeable realtor can make the process much smoother.

What a Realtor Brings to the Table:

• Market Insights: Understand current trends and property values in Calgary

• Negotiation Skills: Get the best possible deal and terms on your purchase

• Early Access: Find out about listings before they hit the public market

• Support Through the Process: From paperwork to possession day, you’ll have someone in your corner

An experienced real estate professional helps take the stress out of buying and ensures you make informed decisions at every step.

Conclusion:

Buying your first home in Calgary is a major milestone, and being prepared can make the process much smoother. Start by getting pre-approved for a mortgage to understand your budget and strengthen your offers. Don’t forget to budget beyond the down payment—closing costs, taxes, insurance, and maintenance can add up quickly. Take advantage of first-time buyer incentives like the First-Time Home Buyer Incentive, RRSP Home Buyers’ Plan, and tax credits to reduce upfront costs. When choosing a home, consider the neighbourhood—look at affordability, commute, amenities, and long-term value.

Finally, work with an experienced realtor who can guide you through the process, help you find the right fit, and negotiate the best deal.

When you’re shopping around for a home or apartment—especially in areas with a lot of older housing stock—properties built in the 1990s often strike a balance between “not too old” and “not quite modern.” But like anything with a few decades behind it, there are things you’ll want to look out for. The 90s had their fair share of design trends, materials, and construction methods—some that aged well, and others… not so much.

Here’s a quick rundown of what to know when considering a 90s-built home or apartment.

1. Poly-B Plumbing (Polybutylene)

Ah yes, Poly-B—the infamous grey pipes hiding behind many 90s walls.

What is it?
Poly-B (short for polybutylene) was a popular plumbing material used from the late 70s through the mid-90s. It was affordable and easy to install—but not very durable long-term.

Why it matters:
Over time, Poly-B becomes brittle and prone to cracking or leaking, especially when exposed to chlorine in municipal water. While it might still be functioning in some homes, insurance companies are increasingly wary of it—some won’t insure homes with active Poly-B piping without replacement.

What to look for:
Check under sinks or around the water heater for gray plastic piping. If you’re not sure, get a licensed plumber or home inspector to confirm.

Pro tip:
Replacing Poly-B with PEX or copper can cost a few thousand dollars but adds serious value (and peace of mind).

2. Post-Tension Cables

Most common in apartment buildings and some townhomes/condos with concrete slabs.

What is it?
Post-tension cables are steel cables inside concrete slabs that are tightened after the concrete is poured. They add strength to thinner slabs and are a key part of the structure in many 90s buildings.

Why it matters:
Drilling or cutting into a post-tension slab without the right equipment or permits is a major no-no—it can be dangerous and extremely expensive to fix if something goes wrong.

What to look for:
Most condos or apartments with post-tension will have a warning stamped on the electrical panel or inside a utility room. The MLS and condo documents will state if the building has post-tension.

Pro tip:
If you plan any renos that involve the floors (like adding plumbing, drilling into concrete, etc.), make sure you get the green light from an engineer or building authority.

3. Copper Piping

Now for something a bit more reassuring.

What is it?
Copper piping has been a gold standard in plumbing for decades. Many 90s homes feature copper, especially toward the later part of the decade as Poly-B fell out of favor.

Why it matters:
Copper is durable, long-lasting, and usually well-regarded by home inspectors. It’s also more resistant to bacteria compared to plastic piping.

What to look for:
Shiny (or sometimes greenish) metal pipes under sinks or around water tanks are a good sign you’ve got copper. It’s especially common in higher-end 90s builds.

Pro tip:
Still, check for corrosion or signs of pinhole leaks—especially if the water has a high mineral content. Water softeners can help extend the life of copper pipes.

4. Aluminum Wiring

This one’s a bit trickier, though less common in 90s homes. Aluminum wiring peaked in the 60s and 70s, but in rare cases, leftover supplies were used into the early 80s or even trickled into some early 90s builds in certain regions.

What is it?
Aluminum wiring was used as a cheaper alternative to copper for a while. The issue is, it expands and contracts more than copper, which can lead to loose connections, overheating, or even fire hazards.

Why it matters:
Insurance companies often flag aluminum wiring. If it hasn’t been updated or maintained properly (through a method called "pigtailing" with copper at outlets), it can be a costly and safety-sensitive fix.

What to look for:
Have an electrician check if you're unsure—it’s not always visible without removing outlet covers. A home inspection report should catch it, too.

Pro tip:
If aluminum is confirmed, ask about mitigation work (like pigtailing or full rewiring) and factor that into your budget.

5. Preserved Wood Foundations (PWF)

This one throws a lot of people off—yes, some homes are built on wooden foundations!

What is it?
A Preserved Wood Foundation (PWF) is a type of foundation system made from pressure-treated lumber, designed to resist moisture and rot. It’s been around since the 60s but became more common in prairie provinces during the 80s and 90s as a cost-effective alternative to concrete.

Why it matters:
PWFs can perform well when installed properly—but they require flawless drainage and waterproofing. If moisture builds up or grading isn’t right, the foundation can start to rot, shift, or cause major structural issues. Some buyers (and even some lenders) can be hesitant about PWFs due to longevity concerns.

What to look for:
Check the listing or ask your home inspector if the foundation is wood or concrete. If it’s a PWF, make sure there’s documentation showing it was engineered and properly permitted at the time of build.

Pro tip:
Homes with wood foundations can still be great, but make sure to get a thorough inspection and look at drainage around the home. Also, talk to your mortgage broker ahead of time—some lenders want extra due diligence before approving financing on PWF properties.

Conclusion:

Homes and apartments from the 90s can offer great layouts, mature neighborhoods, and solid construction—but they do come with quirks. A thorough home inspection (and sometimes a plumbing, electrical, or structural specialist) can save you from unexpected costs or safety issues down the road.

That said—none of this is meant to scare you away from homeownership. It’s just about being informed. The more you know going in, the better decisions you can make.

It’s also worth remembering that at one point or another, everything listed above was considered “up to code.” Like most things in life, building practices and safety standards evolve. What was standard in the 90s may not meet today’s expectations—but that doesn’t mean the home isn’t livable or worth buying. It just means you may need to budget for updates or keep an eye on specific systems.

One thing that is crucial? Getting the right home insurance. Many insurers will ask about things like Poly-B plumbing, aluminum wiring, or wood foundations—and in some cases, may charge more or even deny coverage without upgrades or mitigation in place. Knowing what’s in the walls (and under the floors) helps you avoid surprises after you move in.

Whether you’re buying to live in, rent out, or flip, understanding what’s behind the walls is just as important as what’s in the listing photos.

Want help navigating older homes in your area or have questions about what to look for? Feel free to reach out, I’m always happy to help break things down.

If you're a first-time home buyer in Canada, there's some exciting news you’ll want to hear, especially if you’ve been thinking about buying a brand-new home. As of May 27, 2025, the federal government has introduced a new GST rebate designed specifically for first-time buyers. The goal? To make it easier and significantly more affordable to enter the housing market.

So, what exactly does this mean for you?

In this blog, we’ll break down who’s eligible, what the limitations are, and why this rebate is a game-changer for anyone considering a new build as their first home.

So, What’s the Deal?

Under this new incentive, first-time home buyers can now get 100% of the GST back on new homes valued up to $1 million. That could mean savings of up to $50,000, a massive relief at a time when housing affordability is top of mind for many Canadians.

For homes priced between $1 million and $1.5 million, the rebate is gradually reduced. For example, if you buy a new home for $1.25 million, you’d still be eligible for a 50% GST rebate, a potential $25,000 in savings. Once the price hits $1.5 million or more, the rebate phases out entirely.

Who’s Eligible?

Simple. To qualify, you must:

• Be 18 or older

• Be a Canadian citizen or permanent resident

• Not have owned a home (or lived in one owned by your spouse or partner) in the current or past four calendar years

• The rebate applies to:

• New homes purchased from a builder

• Owner-built homes

• Shares in a co-operative housing corporation

There are a few time-sensitive details: The purchase agreement must be signed on or after May 27, 2025 and before 2031, and construction needs to be substantially complete by 2036.

Why This Is a Big Win for First-Time Buyers:

Let’s face it, coming up with a down payment, covering closing costs, and paying GST on top of everything else can be overwhelming. This rebate helps ease the financial pressure and puts more money back into your pocket right when you need it most.

But beyond the immediate savings, this program also makes new construction more appealing. Traditionally, new builds come with a higher price tag than resale homes, but they also offer better energy efficiency, fewer maintenance issues, and modern layouts. With this rebate, new homes become a much more viable option for first-time buyers.

Plus, it’s a long-term investment. Getting into a brand-new home not only gives you a fresh start, it also means fewer surprise repair costs down the road, a builder’s warranty, and the chance to build equity right away.

Conclusion:

This new GST rebate is a smart, well-timed incentive that lowers the barrier to homeownership and encourages more people to consider new builds, whether you're buying from a builder, building your own, or joining a co-op. If you're a first-time home buyer ready to take the leap, this could be your moment.

Want to know how much you could save? Let’s crunch the numbers together or talk through whether a new build is the right move for you. This opportunity could mean the difference between waiting and finally owning your first home.

In Calgary’s fast-paced real estate market, presentation is everything. Great staging doesn’t just make a home look nice, it helps it sell faster and often for more money. So whether you’re listing a downtown condo or a classic estate home, showing your home at its best can make all the difference.

The good news? You don’t need to spend a fortune to make an impact. With a few smart, do-it-yourself touches, you can highlight your home’s best features and help buyers picture themselves living there. Here are five practical, affordable staging tips that will help your home stand out from the competition.

1. Declutter and remove Personal Touches

Before anything else, simplify your space. Decluttering and depersonalizing are essential first steps. Buyers want to imagine their own lives unfolding in your home, not get distracted by family photos, collections, or knick-knacks.

Start with one room at a time to keep the process manageable. Aim for clean surfaces, tidy shelves, and a minimalist look that lets the space speak for itself. In Calgary’s competitive housing market, a clean and open home gives buyers the mental space to dream.

2. Let the Light In!

Good lighting can instantly brighten a space and make it feel more inviting. Open up blinds and curtains to maximize natural light, give windows a good cleaning, and replace heavy drapes with something light and airy.

Still feeling dim? Add a mirror to reflect light or swap in warm-toned LED bulbs for a cozy glow. Bright spaces not only feel bigger, they feel better, and that emotional pull can help seal the deal with buyers.

3. Make a Strong First Impression with Curb Appeal

First impressions start before buyers even step inside. A tidy yard, trimmed shrubs, and a pop of greenery in planters can create a welcoming vibe.

Don’t forget the little details, a fresh coat of paint on the front door, clean house numbers, and a new doormat can go a long way. We often remind sellers that the exterior sets the tone. A polished, cared-for entry makes buyers feel good walking in.

4. Arrange Furniture for Flow and Function

Furniture placement can make or break a room. Too much furniture or furniture in the wrong spot can make a home feel cramped or awkward.

Try removing oversized or unnecessary pieces, then rearrange the rest to create open pathways and define functional areas. Think conversation zones in the living room or a cozy reading corner in the bedroom. Even smaller homes in Calgary can feel spacious and practical with the right layout.

5. Add Thoughtful, Neutral Touches

The little things can have a big impact. Layer in a few finishing touches like throw pillows, fresh towels, simple artwork, or a bowl of fruit on the kitchen counter.

Stick with neutral tones and natural textures, they appeal to a wide range of buyers. And don’t underestimate the power of scent: light citrus or lavender can add a subtle, inviting feel. These touches help create an emotional connection that buyers remember.

Conclusion:

The key to selling your home is to make it memorable and to stand out amongst its competitors, and staging doesn’t have to mean big spending. By focusing on these five key areas—decluttering, lighting, curb appeal, layout, and finishing touches—you can create a space that feels fresh, welcoming, and ready for its next chapter.

So if you’re thinking of selling, reach out. Let’s make your home have a lasting impression.

Is Calgary's hot housing market finally cooling off, and are prices starting to come down? Overall, yes we’ve definitely seen a shift this year. But some segments are still red hot. In the past 30 days alone, 98 homes — from apartments to single-family houses — sold in under three days of hitting the market. Most even sold over list price… though not over market value (but that’s a conversation for another day).

That’s the thing, real estate isn’t just one big market. It’s a bunch of smaller ones, all moving differently depending on where the house is, what kind of state it’s in, and how much it’s price for.

So let’s talk about what’s really going on in Calgary:

One City, Many Markets:

When people talk about Calgary, they tend to think in broad strokes—downtown, the NW, SW, SE, or NE. But when it comes to cities like Toronto or Vancouver, the conversation gets more specific: Burnaby, Brampton, Scarborough, Downtown.

The difference? Calgary is technically one city, but it covers over 820 square kilometres. So when a headline says “the Calgary market is cooling,” it’s worth asking—which part?

Is it Evanston or Mahogany? A detached home or a two-bed condo?

Because those are completely different markets.

And just like you wouldn’t compare apples to oranges, you can’t talk real estate without knowing where it is, what it is, and who it’s for.

1. Inner-City Homes & Desirable Suburban Spots? 

If you're house hunting in sought-after communities like Elbow Park, Varsity, Hillhurst, Mount Pleasant, or Killarney—just to name a few—know that you're not alone. These neighbourhoods are in high demand, and when the right home hits the market, it doesn’t stick around for long.

The homes that show well and are priced right are still getting multiple offers, often selling over asking and without conditions. Remember when I mentioned that 98 homes sold in under three days last month? Buyers recognize when something special comes along—and they act fast.

So if you're shopping in these areas, you need to be ready. And ideally, your realtor is just as ready to help you move quickly and confidently when the right place shows up. In this market, timing and decisiveness make all the difference.

2. The Cookie-Cutter Suburbs? 

Now let’s shift to the outer edges of the city, where rows of nearly identical builder-grade homes dominate. Step inside one, and you pretty much know what to expect, maybe some minor differences in finishes or hardware, but the layout and quality are much the same.

These neighbourhoods have plenty of inventory, but buyers aren’t exactly lining up.

Why? Because once the new-home shine fades, it’s obvious your house looks just like every other one on the block. Plus, these areas often lack desirable amenities, limited transit, parks, or shops nearby all which matters a lot to buyers thinking about where they want to call home for the next few years.

That being said, these homes can still be perfect for the right buyer, especially those looking for a new build or a more affordable option. But sellers need to face the reality that it’s tough to stand out here. Price your home too high or fail to showcase it properly, and it could sit on the market for months, only to sell later for less.

In these areas, smart pricing and market knowledge are key, since buyers have plenty of choices. If you’re buying here, this is your chance, be bold with your offer and know your stats, because you’ve got leverage to get a deal.

3. Condos & Townhomes..Hit or Miss

As of April, the condo market in Calgary is sitting at around 2.6 months of inventory, while townhomes are at about 2.8 months. On paper, that suggests a fairly balanced dynamic between buyers and sellers.

But in reality? Selling either can still feel like a bit of a gamble. Out of the 98 properties recently sold, only 19 were condos or townhomes. So, what’s causing the disconnect?

Buyers are getting more selective. Things like layout, location, monthly fees, and the age of the building are making a bigger impact than ever, especially now that many investors are eyeing multi-family homes instead, thanks to lower interest rates and a wider selection on the market.

And let’s be real: the market is flooded with cookie-cutter new builds, especially in outer suburbs like Seton, Sage Hill, and Skyview Ranch, where units can start to blur together after you've seen a few.

So, what is selling quickly? The ones with unique layouts, flexible living spaces, and solid financial management backing the building.

At the end of the day, if you’ve got the right product, it still moves. But buyers are looking beyond surface-level appeal, they want something that stands out and makes sense long-term.

Conclusion: 

Calgary’s real estate market isn’t just hot or cold, it’s a mix of both.

Take neighborhoods like Livingston, Seton, and Skyview Ranch. They’re full of newer homes, but right now, there’s just too much inventory. Sellers want top dollar and hey, I get it. Maybe your neighbor sold fast and made a great return. But buyers aren’t moving with the same urgency we saw over the last few years. With so many options on the market, there’s no rush to pull the trigger.

Condos are even tougher to sell. When you’re one of a dozen nearly identical units in the same building, it’s hard to stand out. And living in a place without nearby shops or easy transportation doesn’t help, especially for renters.

So yeah, prices are soft in these areas, but that doesn’t mean Calgary’s market is crashing. It just means some spots aren’t matching what buyers want right now.

The secret? Strategy beats guesswork every time. It’s about pricing and it’s how does it fit, does the home meet a  buyers’ needs? Is the location right? And is the price fair?

Miss that, and you’ll either leave money on the table or scare buyers off. Some markets are hot, some aren’t and knowing the difference is what wins deals.

So, you want to get into real estate investing, but the idea of dropping 20% on every property feels impossible? Did you know that there’s a strategy that savvy buyers have been using to slowly build a rental portfolio, and guess what! It’s all without being a millionaire.

It’s called the 5% Down Primary Residence Strategy. Let’s break it down.

The Basics: What Is the 5% Down Strategy?

When you buy a primary residence in Canada, you’re allowed to put as little as 5% down instead of the typical 20% required for investment properties. The catch? You have to live in the home for a reasonable amount of time.

That’s where this strategy comes in. You:

1. Buy a home with 5% down.

2. Live in it for at minimum one year.

3. Move out and rent it out.

4. Buy another home as your new primary residence—again with just 5% down.

Rinse and repeat.

Why It Works

Lenders offer low down payment options to people buying a home to live in. It’s considered lower risk than investment property loans. Once you’ve lived there for a year (the typical minimum most lenders require to consider it a true primary residence), you’re free to move—and rent it out.

Done consistently, this strategy lets you build a real estate portfolio with a fraction of the upfront capital you'd need if you were buying each one as a rental from the start.

The Fine Print: What You Can’t Do:

There are a few things to keep in mind so you don’t get into sketchy territory:

• Don’t lie on your mortgage application. Saying you’re going to live in the property when you have no intention to is mortgage fraud.

• Actually live there. Most lenders want you to stay for at least a year. Some might even check.

• Have a good mortgage broker. Once you’ve got a couple properties under your belt, qualifying gets more complex. You’ll want someone who understands how rental income is used in your approval.

Keep in mind the down payment rules in Canada and how this will determine what type of property you can utilize this strategy with.

• 5% of the first $500,000 of the purchase price

• 10% for the portion of the purchase price above $500,000 to $1.5M

• $1.5M or more - 20% of the purchase price

Pro Tips for Success:

Buy smart. Look for homes in areas where rental demand is strong so that when you move out, it’s easy to find tenants.

Keep your properties in good condition. You’ll build more equity and attract better tenants.

Plan your financing. Eventually, lenders will want to see that your rental properties are cash-flowing. Don’t just break even, aim for positive cash flow.

Conclusion:

This isn’t a get-rich-quick trick, but it is a smart, steady path to owning multiple properties without needing hundreds of thousands in cash up front.

If you’re patient, organized, and ready to commit to moving every couple years, this method can be a game-changer for long-term wealth building.

Want to run some numbers and see if this could work for you? Reach out—happy to help break it down based on your market.