Author: admin

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🏦 BoC signals housing demand now directly affects inflation decisions.

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📉 BoC stresses 2% inflation target; housing now central to monetary policy decisions.

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⚖️ Monetary policy shapes demand, while housing supply remains government’s responsibility.

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📈 Past rate cuts drove a 40% national housing surge.

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🔍 Future policy evaluates multiple scenarios, weighing inflation and housing risks.

Home equity loans (HELs) offer fixed rates and payments, but your home is collateral.
HELs can fund upgrades like ADUs, enabling rental income to offset mortgage payments.
HELOCs provide flexible, revolving credit; rates float with interest rates, currently ~8-9%.
Refinancing or second-position liens are alternatives, but risk foreclosure if you default.
Selling your home can free equity for multifamily or live-in flip investments.

Edmonton’s average salary is $51,965, and it is known for affordable homes and balanced living costs.
The city enjoys 325 days of sunshine and has a strong economy in oil, agriculture, construction, and manufacturing.
It is home to West Edmonton Mall and hosts over 50 annual festivals, earning the nickname “Festival City.”
Modern amenities, multiculturalism, and outdoor opportunities make it welcoming for newcomers.
Edmonton combines affordability with a vibrant cultural scene.

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💡 Shopping for mortgages won’t ruin your credit—if done within 14–45 days properly.

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📊 Credit scoring models group multiple mortgage inquiries into one single check during that window.

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💰 Even a small rate difference can save thousands over your mortgage’s lifetime.

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🏠 Comparing offers helps you lower monthly payments, reduce interest, and pick ideal loan terms.

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🚫 Don’t let credit score myths stop you from finding the best mortgage deal.

A mortgage term is the period your lender contract lasts before renegotiation.
Long-term mortgages (4–10 years) offer stability but cost more in higher interest premiums.
Short-term mortgages (1–3 years) provide flexibility, lower rates, and easier refinancing opportunities.
Choose long-term if income changes, limited savings, or rental property expenses require predictable payments.
Short-term fits sellers, borrowers improving credit, or those prepared for future rate changes.

New condo prices in Edmonton were up yearly in Q2 2025.
Prices are more than 28% higher than the low reached in Q1 2022.
Since Q1 2017, prices have grown by 9.2%.
The market has shown a clear recovery trend since mid-2021.
Edmonton’s condo sector is benefiting from renewed buyer confidence.