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Real Estate 101

Understanding Your Mortgage

Preferred Rates

Congratulations! After weeks – or perhaps months – of searching you’ve found the perfect home. You’re already envisioning your life here. Sunday night dinners, playtime in the backyard, creating years of memories. Now, the next step in making your dream home a reality is to secure financing.

Real Estate 101

Ready to Move? Now's the Time!

Here’s a tip. If you’re in the market to purchase a new home, but aren’t sure if now’s the time to buy, it is! Here’s why:

According to the Calgary Mortgage & Housing Corporation (CMHC), the New Housing Price Index (NHPI) is projected to increase by 4.5% in 215. On the price of an average $4, home, that’s an $18, increase!

Real Estate 101

The Pre-Construction Process

Buying a new home can feel like quite the undertaking, as there are many factors to consider. Budget, square footage and number of bedrooms are usually the first items on the table. Then you’ll think beyond the home – commuting times, access to transit and available community and neighbourhood amenities. And of course, if you have children, school districts come in to play. Once you have completed the research and found the right home for your family it’s time to rest easy and let your builder to do the heavy lifting.

Real Estate 101

Calgary's Hot Real Estate Market

Record-breaking migration, continued job creation, rising incomes and historically low interest rates continue to fuel greater Calgary’s hot real estate market.

Real Estate 101

The Benefits of Buying a New Build

To buy old or new? It’s one of the most common dilemmas that homeowners face when deciding to buy a house. Some people prefer to know that they are the first ones that have lived in the space while others like the unique charm that an older house may possess. So how do you know if a brand new build is right for you? Well, here are some added perks to owning a new house that older homes just don’t offer.

Real Estate 101

Amortization and How It Affects Your Mortgage

As a new home buyer (or if you’re new to Canada), the various terms related to a mortgage can be confusing. This week we explore amortization and how it affects what your mortgage really costs.

To begin, the length of your amortization period is the number of years you will need to pay the full balance of your mortgage. It’s an important decision because it affects how much interest you pay over the life of your mortgage.

Real Estate 101

Tips On Saving For Your Downpayment

Real Estate 101

Fixed vs Variable: Finding the Right Mortgage For You

As a home-buyer, first timer or not, deciding on the best mortgage for you is a big part of the process! We know it can get a little confusing or overwhelming at times, so here's an easy definition of the 2 main mortgage types out there.

Real Estate 101

Qualifying for a Mortgage

If you're in the market for your first home, you might be wondering what factors lenders looks at when determining if you qualify for a mortgage. See our quick blog here to learn more about this process.

It’s been said that most lenders look at 5 factors when determining whether you qualify for a mortgage. These include the following:

Real Estate 101

Mortgages, Brokers and Banks

There are many choices in the market today for lenders. So how do you choose one and does it really matter who you go with?

You don't have to look far to find a mortgage broker or representative that is hungry for your business. Banks and lenders are NOT all alike though. Most consumers get caught up in the rate being offered. Yes, this is an important factor in your lender choice but flexibility in terms can dramatically differentiate lenders.

Real Estate 101

Buying Your First Home? A Little Preparation Can Give You a Big Head Start

Buying a home will likely be the largest purchase you ever make and can feel a little overwhelming. There are a couple of important things you can do to prepare to make your search easier and more stress-free.