28/01/2026
🛑 RATES HELD AT 2.25%. Here is the Calgary breakdown.
The Bank of Canada just hit the pause button again. We are officially in the “Stability Zone.”
For my Calgary buyers, the “will they/won’t they” guessing game is over. Here is the educated take on what this means for our market right now:
1. Your Budget is Locked In 🔒
Uncertainty is the enemy of the home search. With a hold at 2.25%, financing is predictable. Whether you are looking at a condo in the Beltline or a detached home in the suburbs, the numbers we run today are the numbers you can count on.
2. The “Alberta Advantage” Shines ✨
2.25% hits differently here. While this rate still pinches in Toronto or Vancouver, in Calgary, it goes much further. This stability keeps our market accessible, but it also keeps it competitive as inter-provincial migration continues.
3. The Window is Open (For Now) 🪟
When rates stabilize, confidence returns.
The risk? Waiting for rates to drop another 0.25% might cost you more in the long run. If 500 other buyers decide to jump in next month because they feel “safe,” home prices will rise faster than interest rates fall.
The Bottom Line:
We are in a balanced sweet spot. You have the inventory choices, and now you have rate stability.
Don’t wait for the crowd to catch up.
👇 Drop a “YYC” in the comments if you want to see what a mortgage payment looks like at 2.25% in your specific price range.
