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.

After the 2025 election, Premier Danielle Smith didn’t sugarcoat it — a lot of Albertans are frustrated, and I totally get it. From what feels like years of the federal Liberal government targeting Alberta’s economy to the results of the election, tensions are high. Every time things heat up over pipelines, equalization payments, or Ottawa’s decisions, talk of Alberta separating from Canada pops up again. With all the issues around Western alienation, energy, and federal policies, that conversation doesn’t go away.

But here’s the thing — as tempting as it is to talk about Alberta going its own way, actually pulling it off would be a whole other ballgame.

Let’s take a look at why, realistically, Alberta separating from Canada is nearly impossible.

The Constitution Makes It Really Hard:

If Alberta wanted to separate, it wouldn’t be a walk in the park. The Constitution doesn’t exactly make it easy for provinces to just break away. Alberta would need to go through a lengthy process of negotiations with Ottawa and the other provinces. To change the Constitution to allow Alberta to leave, both Parliament and a majority of provinces would have to give their thumbs up — or, in some cases, everyone would need to agree. There are also things like Indigenous treaty rights and the legal rights of Alberta residents to think about. In other words, Alberta can’t just pack up and leave — it would need a massive and complex legal process.

Indigenous Treaties Complicate Things:

If Alberta were to separate, things would get even trickier with Indigenous treaties. There are a lot of Indigenous communities in Alberta, and they have legal agreements with Canada — treaties that cover land rights, resources, healthcare, and self-governance. So, figuring out what happens to those agreements if Alberta splits would be a massive headache.

Here’s why:

• Legal Issues: Treaties are part of Canada’s Constitution, so if Alberta leaves, there would be all kinds of legal challenges. Indigenous groups would probably want to keep their agreements with the federal government, not a new Alberta government. That means a lot of talks would be needed to figure out if the treaties stay as is or need to be changed.

• Land and Resources: Treaties give Indigenous nations rights to land and resources. If Alberta goes independent, there’d be questions about whether those rights still apply. Would they fall under Alberta’s new rules, or stay as they are with Canada?

• Indigenous Sovereignty: Many Indigenous groups want more control over their own governance. If Alberta splits, they might push for their own independence. That would create a lot of tough negotiations about whether they stay under Alberta’s control or forge a new relationship.

• Services and Rights: Treaties also guarantee things like healthcare and education, which could be disrupted if Alberta leaves. Indigenous communities would need guarantees that these services still exist, which means more talks on how separation would affect those agreements.

• Nation-to-Nation Relationships: Indigenous groups view their relationship with the Crown as a “nation-to-nation” deal. If Alberta goes independent, would Indigenous communities still deal with Ottawa directly, or have to start fresh with the new Alberta government?

In short, if Alberta were to separate, figuring out what happens with Indigenous treaties would be a massive challenge. There’d be legal, political, and economic negotiations to make sure Indigenous rights are protected.

Economic Ties Run Deep:

Alberta’s economy is deeply tied to the rest of Canada. Oil, gas, agriculture, and services — Alberta relies on Canadian investment, markets, and transportation to keep things running.

If Alberta left, it would have to renegotiate trade deals not just with Canada, but with the U.S. and beyond. It’d have to figure out things like currency (its own? keep the Canadian dollar? switch to the U.S. dollar?). And then there’s the headache of setting up borders, customs, and regulatory systems from scratch.

The short-term hit would be brutal — job losses, businesses pulling out, and investors hesitant to commit. Even folks who are fed up with Ottawa aren’t exactly looking forward to that kind of chaos.

Internal Division Within Alberta:

The province is split on the idea of separation. Some are frustrated with federal control over oil and gas, and cultural and economic differences with other provinces make things worse. But there are plenty of people who still like the benefits of being part of Canada, like trade and security. Even if tough times in the oil sector fuel separatist talk, Alberta still relies heavily on the broader Canadian economy. Plus, there are huge legal roadblocks, like the Clarity Act, that make actual separation unlikely. So, it's a complex issue — rural areas and the oil industry lean toward separation, but urban areas and younger people tend to oppose it. There’s a mix of both economic and emotional reasons behind the divide.

Loss of National Programs and Services:

A lot of what Canadians rely on comes from national programs like the Canada Pension Plan, Employment Insurance, healthcare transfers, federal policing, and immigration systems. If Alberta left, it would have to build all of this from scratch. Not only would that be expensive, but it would also be a logistical nightmare.

International Recognition Isn’t Automatic:

Even if Alberta suddenly declared independence, it wouldn’t automatically become a country. International recognition is a huge deal, and it needs support from Canada, the U.S., and other key global players.

Considering how closely tied Canada and the U.S. are, the international community would likely push Alberta to negotiate with Ottawa rather than just giving it a green light as an independent country. Without that recognition, Alberta would be stuck in limbo — unable to sign treaties, trade properly, or really function as an independent nation.

Conclusion:

After the 2025 election, the idea of Alberta separating from Canada gained some traction, fueled by frustration over pipelines, equalization payments, and Ottawa’s handling of Western issues. While it’s easy to see why people would be upset, the reality of separation is way more complicated. Legal issues, Indigenous treaties, economic ties, and the loss of national programs make it a tough and impractical option. And without international recognition, Alberta breaking away just isn’t happening anytime soon.

As the remaining population of Canadians heads to the polls today, the outcome of the federal election will significantly impact the real estate market and the broader economy. Both the Liberal and Conservative parties have distinct policies around housing, taxation, and economic growth. Understanding how either party’s victory could affect homeowners, buyers, and investors — especially in Alberta — is crucial.

Here’s a breakdown of what each party’s platform could mean for the future of real estate:

Housing Supply and Affordability

Liberal Party: The Liberals propose a more active government role in tackling housing affordability. Their plans include:

• Creating a federal agency, Build Canada Homes, to develop affordable housing on public land.

• Eliminating GST on new homes under $1 million for first-time buyers, lowering upfront costs.

• Massive public investment in non-profit, affordable, and rental housing — not just private developments.

• Zoning reform: Supporting upzoning to allow multi-unit buildings in more neighborhoods.

• Partnering with cities and non-profits to push collaborative housing initiatives.

• Introducing climate-friendly standards for new builds, like net-zero homes and retrofits.

• Strengthening renter protections through potential federal frameworks or rent control funding.

Conservative Party: The Conservatives favor a market-driven strategy, aiming to accelerate private sector construction through:

• Raising the GST rebate threshold to $1.3 million for new home purchases.

• Forcing cities to increase housing starts by 15% yearly, with infrastructure funds tied to results.

• Selling federal land and buildings to private developers to unlock more supply.

• Slashing red tape: faster permits and fewer regulations.

• Extending bans on foreign homeownership to keep speculation low.

• Believing that boosting supply rapidly will naturally help curb rising prices.

If the Liberals win, the impact in Calgary might not be immediate, given the longer timelines typical of government-led initiatives. However, over time, we could see more affordable housing, stronger renter protections, and climate-focused developments — particularly with Calgary’s available land base. First-time buyers could also benefit from the GST exemption, although developers and investors might face more government oversight.

If the Conservatives win, the effects could come faster. Their push for deregulation, land sales, and higher GST rebates would likely accelerate private construction, especially in suburban areas. Developers and investors could benefit immediately, but without a corresponding flood of new supply, first-time buyers might still find prices out of reach.

Taxation and Investor Confidence:

Liberal Party: The Liberals plan to:

• Keep the current capital gains tax structure (no increases).

• Reduce the lowest income tax bracket by 1%, giving Canadians slightly more disposable income.

Conservative Party: The Conservatives propose:

• A deeper cut in the lowest income tax bracket, from 15% to 12.75% — saving the average Canadian around $900 annually.

• Allowing Canadians to defer capital gains taxes if they reinvest proceeds into Canadian companies — a major incentive for domestic investment.

In short: The Conservatives are offering more immediate financial relief through tax cuts and reinvestment incentives, while the Liberals are taking a steadier, more cautious approach focused on modest income tax relief.

Conclusion:

Both parties are offering very different strategies for addressing real estate challenges, especially in Alberta.

The Liberals are banking on long-term affordability through large-scale public investment, first-time buyer incentives, renter protections, and climate-conscious construction. If they win, it’ll take time, but we could see a shift toward greater federal involvement in housing — and, ideally, more stability in the broader economy.

The Conservatives are going for a quick, market-driven fix — faster project approvals, bigger tax breaks, and deregulation. This could rapidly boost housing supply, especially in the suburbs, and possibly give Alberta's economy a short-term lift. But ironically, if Alberta’s economy surges, so could housing demand, keeping prices stubbornly high.

Ultimately, the choice comes down to what aligns most with your priorities—whether you're looking for long-term affordability, immediate financial relief, or incentives for investment. Go out and vote.

If you’ve been following Calgary’s housing market, you’ve likely noticed things starting to shift. The market as a whole is beginning to level out, with more signs of balance—neither buyers nor sellers are fully in control. That said, the picture changes depending on the type of home. The most desirable properties are still moving fast and giving sellers an advantage, while other segments, like condos and townhomes, are leaning more toward buyers.

This kind of market is a shift from what we’ve seen in the past couple of years and it’s a sign that things might be stabilizing. For both buyers and sellers, it means a bit more strategy is involved, and the playing field is starting to even out.

Let’s take a look at what this means on both sides, and what we can expect heading into the rest of 2025.

What Is a Balanced Market, Anyway?

A balanced real estate market is when the number of homes for sale and the number of buyers are pretty much in sync. This means homes sell at a steady pace, prices stay stable, and there’s room for some back-and-forth without either side having a big advantage. In Calgary right now, we’re seeing about 2.4 months of inventory and a sales-to-new-listings ratio around 50%—signs that the market’s cooling off from the craziness of the past couple years. It’s a more balanced, predictable market where neither buyers nor sellers hold all the cards.

What’s Causing the Shift?

Calgary's real estate market is shifting toward a more balanced state due to several key factors:​

1. Increased Housing Supply: Inventory levels have risen significantly, with over 4,000 active listings in February 2025, a 76% increase year-over-year. This surge provides buyers with more options and reduces the intensity of bidding wars.

2. Moderating Sales Activity: Sales have decreased by 19% compared to the previous year, indicating a slowdown in market activity. This trend suggests a move away from the previous seller's market dynamics. 

3. Lower Interest Rates: The Bank of Canada has reduced its policy interest rate to 3% as of January 2025, following several consecutive cuts. These lower rates are expected to ease lending conditions, making homeownership more accessible and stimulating buyer demand. 

4. Slowing Migration Trends: While Calgary continues to experience population growth, the rate of increase has slowed. This moderation in migration is expected to ease housing demand pressures, contributing to a more balanced market.

What This Means If You’re a Buyer:

Good news! The market has finally shifted in your favour:

You’ve got options: More listings mean you don’t have to rush or settle for something that’s just okay. With more variety to choose from, you can take your time, compare properties, and find the right home at the right price—often with room to negotiate on terms, price, and conditions.

You can negotiate: We’re not seeing as many bidding wars, so you might have some room to work on price, possession dates, or conditions that are more favourable to both parties.

Affordability is (slightly) better: Lower rates and more competition among sellers could help you get a better deal — especially in condos and townhomes where there tends to be more inventory—giving you a better shot at finding something within your budget without having to stretch too far.

What About Sellers?

It’s not all doom and gloom, but it does mean you’ve got to be smart:

Pricing matters more than ever: Buyers have more choices, so pricing your home right is key to a quick sale. An overpriced home can sit on the market and turn off buyers, while a well-priced one grabs attention, creates urgency, and can spark multiple offers. The right price brings serious buyers through the door fast.

Presentation is key: First impressions matter. With more options available, buyers are picky—so a clean, well-staged home stands out, makes a great first impression, and can lead to faster, better offers. Simple touch ups go a long way.

Know your competition: Knowing what else is for sale in your community helps you price your home competitively, understand what buyers are comparing it to, and spot trends in what features are attracting offers. It also gives you a feel for current market conditions and helps you position your home to stand out with the right marketing and potential upgrades.

What’s Coming for the Rest of 2025?

Most experts are expecting the market to stay fairly steady for the rest of the year. Sales are projected to stay strong — even a little above the long-term average — but we’re not looking at huge price jumps. CREB is forecasting around 3% price growth overall, which is much more sustainable than what we saw during the peak frenzy.

As for interest rates? They could come down a bit more, which might give the market another little boost — but no one’s expecting a dramatic shift either way.

Conclusion:

Overall, Calgary's real estate market in 2025 is expected to remain strong, with steady price growth and a shift toward balanced conditions. While the market shows resilience, potential economic risks should be considered when making investment decisions.​

Whether you’re buying, selling, or just watching from the sidelines, this shift to a balanced market is actually a good thing. It means less chaos, more predictability, and better opportunities for everyone — as long as you’re strategic and well-informed.

Need help navigating it all? Don’t go it alone. Work with someone who knows the Calgary market inside and out — because timing, pricing, and strategy matter more now than they have in years.