Mike Goodale Real Estate, CIR Realty

09/02/2025

JUST LISTED!
Welcome to the Noble, located in the heart of the University District. This stunning 1 bedroom, 1 bathroom home offers laminate flooring and a modern contemporary style throughout. The kitchen features quartz countertops, bright white cabinetry and ample counter space, full height backsplash, breakfast bar & upgraded appliances.
Enjoy an abundance of natural light in the spacious living room with large sliding glass doors leading out to a private covered balcony where you can enjoy your morning coffee, (Don't miss the natural gas line for the BBQ).
The primary bedroom features barn doors and a walk-in closet, the 4 piece bath with in-suite laundry round off this beautiful home. Close to The University of Calgary, Foothills Hospital, Alberta Children’s Hospital & Market Mall. Enjoy the many amenities that the University District has to offer including retail districts, open spaces/parks & biking & walking trails. This unit also includes 1 titled secured, heated underground parking stall and two rooftop patios.
Don’t miss out! Call today for more information or to schedule a private showing!

Quick Link to listing and photos https://myre.io/0zCYxl7mNv8u

For more Information Contact Mike Goodale @ 403-998-4406 or email [email protected]

08/31/2025

New on the Market

08/30/2025

We have a winner for CIR Realty's Ultimate West Edmonton Mall Family Giveaway!

Please join me in congratulating Russell Harrison who has won a $2000 Gift Certificate to the West Edmonton Mall.

08/30/2025

Mike's Preferred Client Update For The Month Of August 2025.
In this months issue we discuss - How Climate Events Are Changing Canadian Home Buyer Priorities.

Home Owner Tip of the month: Tips for Downsizing Without the Stress!
1) Early start.
2) Create a plan.
3) Declutter one room at a time. (don't overwhelm yourself).
4) Get help.
5) Focus on the essentials.
6) Consider storage.
7) Research your new home.

Contact Mike Goodale at 403-998-4406
or email mgoodale@cirrealty.
I can also provide more great tips and tricks on how to prepare your home for market (seller's) or what to look for when buying a home (buyer's).

07/18/2025

07/15/2025

Is Your Debt Becoming a Concern


I hope everyone who was out Stampeding last week had an enjoyable time! Now that the party is over, it is unfortunately time to review what can be seen as a bad thing – DEBT!

According to a recent report by TransUnion (Q4 2024 Credit Industry Insights Report), total consumer debt in Canada hit a historic high of $2.5 trillion across all credit products. Interestingly enough, we have seen more requests from our existing clients, to look at refinancing for them to pull out equity and pay off existing debts. This is beneficial in situations where we are replacing high interest debts such as credit cards, with a lower interest mortgage. The debt doesn’t go away, it just frees up cash flow so you can pay it off faster and at a lower interest rate.

The first step in this process is to pull your own credit report (or we can do a credit review, and we will pull your credit report). You can access your own Equifax credit report and score at no charge by going to my.equifax.ca. The interesting thing here is (I wrote a commentary on this a few years ago) that Equifax scores your credit differently than they do than if I pull it. Your pulled credit score will be higher than the one that results when I pull it. This seemed strange to me, so I called Equifax about this, and they explained, and I quote” we score it harder when the credit report is pulled for something serious like a mortgage”.

Most lenders in Canada like to see a minimum credit score of 650 but prefer it to be 680 or higher. Equifax uses all kinds of metrics to determine your credit score and one of these metrics is your credit utilization ratio. Your credit utilization ratio is simply the ratio of your current debt balance compared to your limit.

Equifax prefers this ratio to be at 30% or less which means you are managing your credit responsibly. Once this ratio starts to go higher than 30%, your credit score goes down. If your credit score drops below the afore mentioned 650, it starts to get more difficult for us to help with a refinance.

The key here is to come to us and allow us to review your credit utilization as we can provide guidance on what you can do to increase your credit score or whether a refinance is the answer for you.

Please contact Bob Alexander for further information about this commentary or to discuss your Mortgage Action Plan

Your Mortgage Doctor
Bob Alexander, B.Comm, CMA, CPA, AMP

403-241-3949
[email protected]
www.mortgagedoctors.ca

07/09/2025

Mike's Preferred Client Update For The Month Of July 2025.

In this months issue we discuss - Summer Home Maintenance Tips: Roof & gutters, siding & paint, windows & doors, and of course the annual A/C maintenance.

Home Owner Tip of the month: Preparing your home for summer showings..
The buyer should be able to see themselves living in this home.
Primary focus should,
1) Declutter. (your moving start packing up personal items that are not needed daily)
2) De-personalize (pack up personal items and photos)
3) Comfort.
4) Lighting.
5) Curb appeal.

Contact Mike Goodale at 403-998-4406
or email mgoodale@cirrealty.

I can also provide more great tips and tricks on how to prepare your home for market (seller's) or what to look for when buying a home (buyer's).

02/15/2025

01/12/2025

Looking for a fun family outing this February, check out the nature-themed ice sculptures at the The Calgary Zoo.

Looking for a brr-illiant night out? Look no further than Wild About Ice! ❄️

Join us on Saturday, February 8th, for a cool night like no other. Watch as nature-themed ice sculptures come to life before your eyes during this qualifying ice-sculpting competition in partnership with the World Ice Carving Association. 🏆

Indulge in a gourmet hot chocolate (available for purchase) from our hot chocolate bar, then try your hand at ice carving at our Little Chippers station for a chance to win some (n)ice prizes! 👏

This is a one-night only event, so get your tickets now! https://bit.ly/3C34NwJ

01/12/2025

Mike's Preferred Client Update For The Month Of January 2025.
In this months issue we discuss - Achieving Your Real Estate Investment Goals in 2025: Key Tips to Stay on Track

Home Owner Tip of the month: Stay Warm and Save Big: Energy-Saving Tips for Canadian Homeowners This Winter.
1) Use energy efficient lighting.
2) Weatherproof your home.
3) Use space heaters wisely.

Contact Mike Goodale at 403-998-4406
or
email mgoodale@cirrealty.
I can also provide more great tips and tricks on how to prepare your home for market (seller's) or what to look for when buying a home (buyer's).

01/12/2025

Congratulations to my First time home buyers Cinthia and Miguel.

11/25/2024

Price Reduction