The home buying process starts with figuring out what you can afford to purchase. A 10 minute conversation with our mortgage partner will provide clarity about what you can afford or what you need to work on to be able to reach your home ownership goals!

How to start your mortgage in Calgary

As early as a year prior to purchasing, our mortgage partner starts working with our clients to position them for success in the home buying process. We want this to be an enjoyable experience for our clients. For that reason, we’ve broken the mortgage process down into 3 simple steps.

Check out our Calgary mortgage process guide below, and keep reading to see all the steps to obtaining a mortgage. 


Calgary Mortgages


  1. Schedule a 10-minute mortgage call to discuss…

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While your REALTOR should be able to guide you through the many nuances of buying and selling a home in Calgary, it’s always a good idea as a consumer to educate yourself as much as possible on the process of a real estate transaction both on the selling and purchasing side. 

Purchase contract conditions in Calgary

When purchasing or selling a home, there are conditions that you need to be aware of that a buyer may bring to the table in their offer, these can be negotiated by both parties, but there are often typical conditions that are widely accepted by the selling party in a contract as they’re quite typical in most purchase contracts. 

The financing condition

Many buyers obtain pre-approvals or are pre-qualified by their mortgage brokers, but having this does not mean you…

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If you're new to the city of Calgary, you'll definitely find out 'Top Neighborhoods' blog to be one of the best resources to keying in on the best areas within the city to plant your rooms, raise your family, and find a home and community that matches your needs and desires. 

Best Communities in Calgary

Recently voted at number 8 by Avenue Magazine and their highly watched list of best nieghborhoods in Calgary, Lake Bonavista consistently is a highly sought after community for many reasons, and first and foremost is its location. Situated in the southeast of Calgary, between Fish Creek Provincial Park and the major road way of Anderson, this community features one of the best lakes in the city, private for community residents and also features an incredible park (the second…

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The summer real estate market is now in full force! You've likely started to see numerous 'for sale' signs in your neighborhood start to pop up as the preferred time of year to make a move hits full stride! We've put together a list of top tips to help differentiate your listing, ensuring it gets sold faster, allowing you to move to your next home, with time to get kids registered for school, and still take in the beautiful summer months. Our biggest tip right off the bat is... 

PROPER PRICING

Make sure you price it properly! In most cases, the first 30 days on the market are your most important! That means you'll be seeing the most activity, and having the most qualified or likely to purchase, buyers coming through. Pricing your home too high in…

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(In no particular order)

 Buying a home may be a dream come true and we strive to make sure our clients first purchase is rewarding, educational, and exciting. But make no mistake, it's not all sunshines and rainbows, there are a lot of steps and measures that need to be taken to make sure you're financially sound, your offers are solid, and your stress is minimal. To help with this, we've compiled a list of questions that should help guide you in deciding who is the best fit to assist with your home purchase! 

First time calgary home buyers

1. Are you a full time real estate agent, or is this a part time job?

The REALTOR® you work with should be one that does this full time! Any professional you choose to represent or take care of your needs should always be active,…

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Unlike many of the top real estate training programs and coaches (who typically haven't been in front of a real buyer or seller for years/decades) our approach is real, practical, easy to understand, and current. There's no agenda behind what we're doing, we're not here to sell our services, take a cut of your profits, or get you paying a monthly subscription to maintain access, we're here to elevate real estate in Calgary. 

Check out our new visual intro for the REP EDucation series. 

We're not looking to limit or define this series in the early stages, and we'll definitely be keeping a keen eye on the feedback from viewers, however, our series won't be fitting for those who are looking for advice on how to get into the industry, how to pass…

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Summer is finally here and we're ecstatic that homes can finally be seen in their finest forms! No more snow, clean fresh grass, and blue skies all around! This perfectly compliments the latest release of our sister site Calgary Luxury Real Estate

A sister site to our REPYYC site that you're reading this blog on - CalgaryLuxuryRealEstate.com is the premiere solution to buying and browsing luxury homes in Calgary! luxury homes

Dusko Sremac is a Calgary Luxury Real Estate Agent and is a top rated Luxury Calgary REALTOR® who serves some of the most popular Calgary Luxury neighborhoods including Altadore, Britannia, Elboya, and various other luxury communities in Calgary and the surrounding areas.  A few upgrades to our luxury site include a brand new carousel to…

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THERE ARE FIVE THINGS NO ONE TELLS YOU ABOUT WHEN SELLING YOUR HOME IN CALGARY!

1. Your bedroom closets should be empty! calgary home seller tips

One of the biggest things we hear from our buyers is that they're looking for more storage in their new home, and it's quite likely that you've probably outgrown your home and the storage inside. One of the best This is some text.

ways to make your home appeal to prospective buyers is by starting the de-cluttering process and one of the best places to start is within your closets. Some buyers with lots of items will go the extra mile by securing a storage unit while their home is active on the market. Leaving your closets clean, and spacious allows buyers to imagine their belongings inside, instead of trying to look past what…

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Looking to beat the heat this summer (when it finally kicks in?) With your weekends already filling up with adventures, hikes, weddings and more, this POP UP water park is likely to make a splash... In your plans, if you've got kids who love the water, or you're a kid at heart! Stay tuned for more 'Things to do in and around Calgary' on our blog as we share more cool adventures for our followers to take on with their friends and families. 

Sylvan Lake Water Park

This Sylvan Lake water adventure is set to open in just 20 days for the pre-season.  The Weekend of June 15/16, 12pm-6pm and the Weekend of June 22/23, 12pm-6pm with the full Season opening on June 28 to Sept 02 with the hours being 11 am to 8pm. The perfect day getaway from Calgary or Edmonton Sylvan lake is…

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May 2019 Calgary Mortgage Update

Courtesy of our wonderful mortgage partner Renee Huse, we're excited to share a spring (almost summer) market update! 

Hello Spring (almost)...

We've seen a massive flurry of activity in April and May in the Calgary Real Estate and Mortgage market.    Homes, positioned properly in the market, are selling quickly and even with multiple offers.  It's been exciting to see this activity and makes me hopeful about some recovery in the Alberta markets over the next 24 months.  

Mortgage Rates continue to be very aggressive.  Lenders, both the big baMMG Mortgagesnks and the mortgage companies, have been very competitive with their fixed rate business.  Fixed rates have fallen below variable rates.  This is very different from what we…

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