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10/13/2026

From offer to keys: a guide for Alberta homebuyers
Thinking about buying a home in Alberta? Here’s a straightforward path from making an offer to getting your keys. Start by reviewing your mortgage qualifications and understanding the full cost of ownership. Accurately assess the market value of homes you’re interested in. When you’re ready, include any necessary conditions and clearly define your sale terms before submitting your offer—always with a deadline. Be prepared to negotiate so your interests are protected every step of the way. Once your offer is accepted, ensure all conditions are met, and don’t forget to arrange your insurance, set up utilities, and book your movers ahead of possession. Whether you’re buying a condo or house in Calgary, careful planning makes the journey smoother.

10/12/2026

Canada Needs Twice the Projected Homes
Canada’s ongoing housing challenge is larger than most realize. The national housing agency estimates we need between 417,000 and 469,000 new homes each year until 2036 to bring affordability back to pre-pandemic levels. Yet, current projections show we’re consistently falling short—by as much as 187,000 to 238,000 homes annually over the next decade. Construction is not just lagging; it’s expected to slow even more, which means demand will far outpace supply. Many of today’s new builds are simply fulfilling projects already in progress. To truly address affordability and help more Canadians find the right home, we’d need to double the pace of construction from what’s currently forecasted. As someone who helps clients navigate Calgary’s housing market every day, I see firsthand how limited inventory shapes buyer and seller experiences. Keeping a close eye on these national trends is essential for anyone thinking about their next move.

Home prices fuel record affordability gains, but relief remains elusiveWe’re seeing a shift in Canadian housing affordab...
10/11/2026

Home prices fuel record affordability gains, but relief remains elusive
We’re seeing a shift in Canadian housing affordability—Q2 2026 marked the tenth straight quarter of improvement, thanks mainly to declining home prices. Even with financing costs on the rise, the national index still dropped by 11.4 points since Q4 2023. That said, for many buyers, real relief remains out of reach. Affordability is still trailing behind what we’ve seen historically, and the picture varies greatly from region to region. As someone who focuses on Calgary’s house and condo market, it’s clear that these numbers shape real choices for local buyers and sellers. Understanding these trends is key to making informed moves in our market.


https://www.housing-trends.com/agent-news/herman-ma/1923548-Home-prices-fuel-record-affordability-gains%2C-but-relief-rema

10/11/2026

Happy Thanksgiving

Mortgage Rates Forecast Canada 2026-2030Looking ahead to Canada’s mortgage landscape for 2026, forecasts suggest we’ll s...
10/10/2026

Mortgage Rates Forecast Canada 2026-2030
Looking ahead to Canada’s mortgage landscape for 2026, forecasts suggest we’ll see fixed rates inch up while variable rates hold their ground. For homeowners and buyers in Calgary, it’s worth noting that roughly a third of borrowers are expected to face higher payments—on average, a 20% increase for those with fixed-rate mortgages. As someone who specializes in helping clients navigate residential real estate here in Calgary, I always keep an eye on these trends to ensure you’re prepared for what’s next in the market.


https://www.housing-trends.com/agent-news/herman-ma/1903670-Mortgage-Rates-Forecast-Canada-2026-2030

Many Pandemic-Era Borrowers Prepare Proactively for Mortgage RenewalsA recent report reveals that about 38% of Canadian ...
10/09/2026

Many Pandemic-Era Borrowers Prepare Proactively for Mortgage Renewals
A recent report reveals that about 38% of Canadian homeowners with mortgages are bracing for higher payments at renewal, especially those who bought during the pandemic. Many are preparing for this by tightening up on discretionary spending, holding off on big trips or renovations, but most aren’t planning to move or change their living situation. In pricier markets, the anxiety is even more noticeable. As someone who helps clients navigate Calgary’s residential market, I understand how important it is to plan ahead and make informed decisions when it comes to your home and finances.


https://www.housing-trends.com/agent-news/herman-ma/1933868-Many-Pandemic-Era-Borrowers-Prepare-Proactively-for-Mortgage

10/08/2026

Canada Needs More Homes to Sustain Affordability
We're seeing some much-needed improvement in housing affordability across Canada, but the situation remains precarious—especially with the recent slowdown in new home construction, and particularly in ownership housing. Latest estimates suggest Canada needs between 417,000 and 469,000 new housing starts each year to return to pre-pandemic affordability levels by 2036, yet the gap between supply and demand hasn't really shifted. In major cities, most of the new builds are rentals, while projects geared toward homeownership have noticeably tapered off. Even though slower population growth has helped ease some pressure, the construction pace is lagging behind demand—a trend that could leave us short when the market picks up again. As someone who works with buyers and sellers of houses and condos in Calgary, I know firsthand how critical it is to keep ownership housing in the mix. Keeping construction active now is key to ensuring we don't face an even greater home supply crunch in the near future.

10/07/2026

Calgary Resales Take a Temporary Detour
In recent months, Calgary's resale market has taken a brief detour, with mid-Q3 numbers showing a 3.4% dip month-over-month and an 11% decline from last year. The local price index also softened slightly, down 0.3% year-over-year—a sign of gentler conditions rather than any dramatic shift. According to economists, renewed trade tensions have brought a sense of uncertainty, and Calgary's current slowdown is seen as a pause, not a total reversal. We actually started to see this divergence back in late Q1, when resale activity slowed and the local market set itself apart—a trend that’s now lasted about six months. For many Calgary homeowners, these softer conditions mean equity growth has been limited, which could make mortgage renewal pressures feel a bit sharper. With the central bank keeping its policy rate steady through late Q3—and some economists even floating the idea of a year-end rate hike—there are still variables at play as the market finds its footing. As someone who specializes in Calgary’s residential market, I’m keeping a close eye on these shifts, always aiming to help clients navigate this evolving landscape with confidence.

10/06/2026

Home affordability improves in most Canadian markets
August brought some positive news for buyers: home prices fell across most major Canadian cities, leading to better affordability in 10 out of 13 markets. Toronto experienced the most significant improvement in affordability, but it's important to note that cities like Halifax, Ottawa, and Fredericton saw conditions become more challenging. Fixed mortgage rates did tick up to 4.24%. As someone who works closely with Calgary buyers and sellers every day, I always keep a close eye on these national trends—they can influence local opportunities and strategies. Whether you're considering your next move or just staying informed, understanding how these shifts might affect your plans is key.

10/05/2026

Calgary Housing Stays Resilient in 2027
Looking ahead to 2027, Calgary’s housing market continues to demonstrate its steady resilience. Current forecasts point to 26,000 MLS sales for the year—still a notch below 2025 figures, but on the upswing from what’s projected for 2026. The average home price is expected to hover around $645,000, holding steady as new construction and fresh supply help balance ongoing population-driven demand. For renters, vacancy rates are anticipated to reach 5.8%, thanks to a wave of new rental options that provide more choice and flexibility across the city. Housing starts are pegged at about 21,000 units, reaffirming Calgary’s reputation as one of Canada’s most active markets for residential construction. As someone who specializes in Calgary’s houses and condos, I keep a close eye on these trends to help both buyers and sellers navigate the shifting landscape confidently.

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1206 20th Avenue SE
Calgary, AB
T2X3V1

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