If you’ve been sitting on the sidelines waiting for Calgary home prices to drop, you’re not alone. Many buyers have been hoping for a “crash” or a major dip before making their move.

But here’s the truth: waiting might be costing you more than you think.

Calgary’s market is stable, balanced, and — for the savvy buyer — full of quiet advantages that most people are missing. Let’s break them down.

1. Calgary Prices Are Holding Steady 🏡

Unlike many Canadian markets that saw sharp ups and downs, Calgary’s real estate prices have been steady.

There’s no crash on the horizon — just consistent demand, supported by:

• A strong job market 💼

• Continued population growth (especially from BC, Ontario & abroad) 🌍

• Manageable housing inventory 📈

In other words, Calgary isn’t “overheating.” It’s balanced — and that means opportunity.

✨ Pro tip: Waiting for prices to fall in a balanced market is like waiting for gas to be $0.50/litre again — it’s probably not happening.

2. Inventory Is Rising (Quietly) 📊

For the first time in months, Calgary is seeing a gradual increase in housing inventory.

That means:
✅ More options to choose from
✅ Less pressure in multiple-offer situations
✅ More time to make thoughtful decisions

Buyers who act now can actually negotiate — something that wasn’t possible during the frenzy of past years.

✨ Pro tip: The fall market often brings motivated sellers and fewer competing buyers — it’s one of the most strategic times to purchase.

3. Interest Rates Will Shift — and So Will Prices 💸

We’ve all been watching interest rates rise and hold… but that cycle won’t last forever.

When rates begin to drop, more buyers will re-enter the market — increasing competition and pushing prices upward.

So if you’re pre-approved now and rates dip later, you could refinance into a lower rate without competing in bidding wars.

✨ Pro tip: Think long-term. You can change your rate later, but not the price you pay for your home today.

4. Motivated Sellers = Negotiation Power 🤝

As we head into the cooler months, sellers who have been on the market for a while are motivated to make deals happen.

That means more flexibility on:

• Possession dates

• Conditions

• Price adjustments

Buyers who move now — before the spring rush — can often negotiate stronger terms and even secure incentives that won’t exist later.

5. The Smart Money Is Moving Now 💼

Real estate investors, relocation buyers, and first-time buyers who’ve done their homework know that the best opportunities don’t happen when the market is loud — they happen when it’s quiet.

Right now, Calgary’s market is calm, confident, and full of potential.

✨ Pro tip: If you’re waiting for the “perfect” time to buy, you’ll always be waiting. The perfect time is when the math — and your motivation — make sense.

FAQs: Calgary’s 2025 Real Estate Market

Q: Are Calgary home prices going to drop?
Experts don’t predict a crash — the market remains stable, supported by population growth and job demand.

Q: Should I wait for interest rates to come down before buying?
If you can afford the payment now, buying before rates drop means you’ll avoid future competition and can refinance later.

Q: Is Calgary still affordable compared to other Canadian cities?
Yes! Calgary remains one of the most affordable major metros in Canada, especially compared to Vancouver and Toronto.

Related Reading

• Buy Now or Wait? Calgary Market Predictions for Fall 2025

• Why Fall 2025 Could Be the BEST Time to Sell in Calgary

• Top 5 Things Ontario & BC Buyers Love About Calgary

Conclusion

The myth of “waiting for prices to drop” has kept too many buyers on the sidelines. But Calgary’s market isn’t crashing — it’s stabilizing.

✅ Prices are steady
✅ Inventory is growing
✅ Sellers are motivated
✅ And rate cuts are on the horizon

If you’re ready to make your move, now might just be your window to buy smart — not late.

💬 DM me “ADVANTAGE” for my free Calgary Buyer Advantage Guide, filled with insider tips, local insights, and market data to help you buy with confidence right now.

About Kristen Edmunds

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

Buying a home in Calgary is one of the most exciting (and emotional) experiences you’ll ever have. 🏡✨

But it’s also one of the biggest financial investments you’ll make—and mistakes can be costly.

Whether you’re a first-time buyer or a seasoned homeowner jumping back into the market, here are the most common home buying mistakes people make—and how to avoid them.

1. Skipping the Mortgage Pre-Approval 💳

This one tops the list for a reason. Many buyers start house hunting before they know exactly how much they can afford—and that can lead to heartbreak.

A mortgage pre-approval gives you:

• A clear idea of your budget

• Confidence when making offers

• A competitive edge in multiple-offer situations

✨ Pro tip: Pre-qualification and pre-approval are not the same thing. Always get pre-approved for the most accurate numbers.

2. Falling for the Wrong Home 🏘️

We’ve all done it—walked into a home that looks perfect and imagined ourselves living there. But looks can be deceiving.

Don’t overlook:

• Location: A beautiful home in the wrong area is still the wrong home.

• Layout: You can change finishes, not flow.

• Resale value: Think about how easy it’ll be to sell when the time comes.

✨ Pro tip: Buy for both your heart and your head.

3. Overstretching Your Budget 💸

Just because a bank approves you for a certain amount doesn’t mean you should spend it all.

Remember to budget for:

• Property taxes

• Insurance

• Utilities

• Repairs and maintenance

• Future upgrades

✨ Pro tip: Leave a 5–10% financial buffer for unexpected costs—it’ll save you stress down the road.

4. Skipping the Home Inspection 🔍

Even in a competitive market, skipping a home inspection is a risky move.

A professional inspection can uncover:

• Structural issues

• Roof or foundation damage

• Plumbing and electrical concerns

• Safety hazards

✨ Pro tip: Don’t let a hot market pressure you into skipping due diligence. Knowledge = negotiating power.

5. Going It Alone (No REALTOR®) 🤝

Many buyers think they’ll save money by skipping an agent—but that’s almost never the case.

A knowledgeable Calgary REALTOR® will:

• Help you spot red flags and overpricing

• Handle negotiations and paperwork

• Keep your interests front and center

• Guide you through inspections, conditions, and closing

✨ Pro tip: As a buyer, you typically don’t pay commission—the seller does. So take advantage of professional representation!

Bonus: Forgetting the “Future You” Factor 🕰️

Think beyond today’s needs. Will this home still suit you 3–5 years from now?

Consider your career, lifestyle, and potential family changes when choosing a home.

✨ Pro tip: Buy for the life you’re growing into, not just the one you’re living now.

FAQs: Common Home Buying Mistakes

Q: What’s the biggest mistake first-time buyers make?

Skipping the pre-approval and underestimating closing costs.

Q: Should I waive a home inspection to win an offer?

Never recommended—it can lead to expensive surprises later.

Q: Can I use the same REALTOR® for buying and selling?

Yes! In fact, it’s often easier—they already understand your needs, budget, and goals.

Related Reading

• 5 First-Time Buyer Tips for Calgary’s Market

• What’s a Real Property Report? Why It Matters When Buying in Alberta

• The Ultimate Acreage Buyer’s Checklist

Conclusion

Buying a home is a huge milestone—but with the right preparation, it doesn’t have to be overwhelming.

Avoiding these common mistakes helps you save money, reduce stress, and find a home that truly fits your life and lifestyle.

✨ Want a step-by-step guide for buying confidently in Calgary’s market? DM me “MISTAKES” and I’ll send you my free Calgary Home Buyer’s Guide—your ultimate roadmap to smart home ownership.

About Kristen Edmunds

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

Congratulations — you’re under contract on your new home! 🎉
It’s an exciting milestone, but don’t relax just yet. The first week after going under contract is absolutely critical. Miss a step here, and your deal could be delayed — or worse, fall apart completely.

To keep your transaction smooth and stress-free, here are the 5 things you must do the week you go under contract.

1️⃣ Schedule Your Home Inspection

A home inspection is your chance to make sure there aren’t any costly surprises hiding behind the walls. The sooner you book, the better — inspectors often fill up quickly, and your condition deadlines won’t wait.

✔ Pro tip: attend the inspection if you can, and ask questions. You’ll learn a lot about your new home.

2️⃣ Send Documents to Your Lender

Your pre-approval got you this far, but now the lender needs the fine details: tax documents, pay stubs, bank statements, and anything else they request. Get these in quickly so your financing doesn’t stall.

✔ Pro tip: respond within 24 hours to avoid delays in the mortgage approval process.

3️⃣ Review Contract Deadlines

Every real estate contract is full of conditions and timelines — inspections, financing, appraisals, and more. Missing even one deadline could void your contract.

✔ Pro tip: add every key date to your calendar the day you go under contract.

4️⃣ Shop for Home Insurance

Your lender will require proof of home insurance before closing. Don’t leave this to the last minute. Compare quotes, understand your coverage options, and lock it in early.

✔ Pro tip: ask about bundling with auto insurance — it can save you money.

5️⃣ Keep Your Finances Steady

This is not the week to finance a new car, apply for a credit card, or drop thousands on new furniture. Any major financial change could alter your debt-to-income ratio and jeopardize your loan approval.

✔ Pro tip: if you’re unsure whether a financial move is safe, ask your lender first.

✅ Final Thoughts

That first week under contract is make-or-break for your home purchase. Stay organized, meet your deadlines, and keep communication flowing with your agent and lender. Do that, and you’ll be well on your way to closing day.

🙌 Want a simple way to stay on track? DM me “CONTRACT” and I’ll send you my free Under Contract Buyer’s Checklist — your step-by-step guide to a smooth closing.

❓ FAQ Section

Q: How long do I have to schedule an inspection?
Typically within 7–10 days, depending on your contract. Check your specific deadlines.

Q: Can I change jobs after going under contract?
It’s risky. A job change can impact your loan approval. Always speak with your lender first.

Q: Do I need home insurance before closing?
Yes — your lender will require proof of insurance before they release funds for your mortgage.

Q: What happens if I miss a contract deadline?
The seller could walk away, or your financing may not be approved in time. Always stay ahead of the dates.

📚 Related Reading

• Why You Might Regret Waiving Your Home Inspection

• How Bridge Financing Works in Alberta

• Rural Maintenance Costs You Might Not Expect

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

Avoid Costly Mistakes and Make Confident Home Buying Decisions

Making an offer on a home is one of the most exciting — and stressful — steps in the home buying process. After helping Calgary buyers for over 15 years, I’ve seen the same common mistakes over and over again. The good news? They’re easy to avoid when you know what to look out for.

Here are the 3 things I wish more buyers knew before making an offer so you can protect your investment and increase your chances of landing your dream home.

1. Get Pre-Approved, Not Just Pre-Qualified

Why this matters:

• Pre-qualification is a quick calculation based on self-reported income and debt. It’s an estimate — not a guarantee.

• Pre-approval involves a lender reviewing your income, credit, and finances. You’ll receive a written commitment, which tells sellers you’re serious and ready to buy.

Benefits of pre-approval:

• Gives you a clear and accurate budget

• Makes your offer more competitive (especially in Calgary’s hot markets)

• Allows you to act quickly when you find the right home

2. Understand the Market You’re Buying In

The Calgary real estate market shifts constantly. Whether it’s a seller’s market, a buyer’s market, or somewhere in between, your offer strategy needs to adapt.

• Seller’s Market: Homes sell fast, often above asking price. You may need to offer quickly and consider fewer conditions.

• Buyer’s Market: More homes to choose from and more room to negotiate on price, conditions, and possession dates.

• Balanced Market: Moderate competition with fair negotiation opportunities.

Knowing market conditions ensures your offer is competitive without overpaying or missing out on opportunities.

3. Don’t Skip Due Diligence

When emotions run high, buyers are tempted to skip important steps. Don’t do it.

• Home Inspection: Identifies hidden issues that could cost thousands later.

• Condo Document Review (if applicable): Reveals the financial health of the condo corporation and potential upcoming repairs.

• Zoning and Bylaws: Helps ensure the property suits your future plans (like adding a garage, suite, or outbuilding).

Taking the time to complete these steps protects your investment and gives you peace of mind.

Buying a home is exciting, but preparation is key.

• Get pre-approved so you know your real budget.

• Understand the market so you know how to negotiate.

• Never skip due diligence, even if it slows things down.

Want to avoid costly mistakes and feel confident about your offer?
📩 DM me “BUYER TIPS” and I’ll send you my complete Buyer’s Guide — filled with strategies, checklists, and expert advice to help you navigate Calgary’s real estate market.

Related Reading

• First-Time Home Buyer Tips in Calgary

• How to Choose the Right Calgary Community

• 5 Common Home Buying Mistakes to Avoid

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

The Calgary real estate market is shifting gears this summer. With inventory surging back to pre-pandemic levels and sales easing, July 2025 marked another month of recalibration for buyers and sellers alike.

Key July 2025 Market Highlights

• Home Sales: 2,099 sales, down 12% year-over-year.

• New Listings: 3,911, up 8% from last July.

• Inventory: 6,917 homes available – a 66% jump, the highest in years.

• Benchmark Price: $582,900, down 3.9% annually.

• Detached Homes: $761,800 benchmark price, nearly unchanged from 2024.

• Semi-Detached Homes: $697,500, up 1% year-over-year.

• Row Homes: Prices fell nearly 4%.

• Apartment Condos: $329,600 benchmark, down 5% from 2024.

What’s Driving the Market?

1. More Choice for Buyers
   After years of tight supply, Calgary’s inventory has climbed sharply. Buyers now have more selection, particularly in newer communities, which is creating downward pressure on prices.

2. Balanced Market Conditions
   The sales-to-new-listings ratio sits near 54%, reflecting more balance compared to the frenzied seller’s market of recent years. Detached and semi-detached homes are holding value better than apartments and row-style properties.

3. Economic Factors
   Mortgage rates continue to ease, with some lenders offering 3-year fixed terms around 4%. However, looming uncertainty over potential U.S. tariffs on Canadian goods could impact employment, affordability, and overall demand in the coming months.

What This Means for Buyers

If you’ve been waiting for more inventory and price relief, this could be your window of opportunity. Apartment and row-style buyers in particular may find negotiable deals. With rates softening, monthly affordability could improve further if interest rates dip again.

What This Means for Sellers

Homes are still selling, but pricing strategy matters more than ever. Overpricing in a market with growing supply could mean sitting on the sidelines. Staging, marketing, and timing are critical to standing out in a more competitive environment.

Calgary Housing Market Outlook

The July 2025 numbers highlight a market in transition. While detached homes remain relatively stable, other property types are adjusting more quickly to the surge in supply. If you’re planning a move this year, staying informed on local trends will be essential for making confident decisions.

👉 Thinking about buying or selling in Calgary? I’d love to walk you through the numbers in your community and help you build a strategy that works for today’s shifting market.

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

Buy Your Next Home Before Selling Your Current One—Without the Stress

Found your dream home before your current one has sold? Bridge financing can help you move smoothly by covering the gap between buying and selling. Here’s what you need to know about bridge loans in Alberta.

💰 What Is Bridge Financing?

A bridge loan is a short-term loan that lets you purchase your new home before your existing property sale closes. It “bridges” the financial gap so you don’t miss out on your next opportunity.

📅 How Long Does Bridge Financing Last?

Most bridge loans in Alberta are designed to cover 30–90 days. This gives you time to sell your current home without rushing—or accepting an offer below market value.

🏦 Key Requirements

✔️ Firm Sale Agreement: You must have an unconditional sale on your existing property. Lenders won’t approve a bridge loan if your current home isn’t under contract.

✔️ Equity: The equity in your current home helps determine how much you can borrow.

✔️ Creditworthiness: Lenders will still check your financial profile.

💸 Costs to Expect

Bridge loans typically have higher interest rates than standard mortgages. However, paying a few weeks of interest can be worth it to avoid losing your next home—or being forced to settle for a quick, low-priced sale.

⚖️ Pros & Cons of Bridge Financing

Pros:

✔️ Secure your new home without waiting

✔️ Avoid rushed selling decisions

✔️ Maintain flexibility during your move

Cons:

✔️ Higher interest rates

✔️ Must have a firm sale agreement

📩 Want My Bridge Financing Guide?

DM me “BRIDGE” and I’ll send you my Bridge Financing Guide, covering step-by-step details, lender insights, and tips for moving without stress.

Related reading:

• Buying & Selling at the Same Time? Here’s My Strategy

• How to Time the Market Without Losing Sleep

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

Hidden Expenses Acreage Buyers Need to Budget For

Acreage life offers peace, space, and privacy—but it comes with unique maintenance costs many city buyers don’t anticipate. Before you buy rural property in Alberta, here’s what you need to know so you’re not caught off guard.

🛠️ Driveway Upkeep

Long gravel or dirt driveways can wash out or develop ruts after rain or snow. Regular grading, adding gravel, or repairs can cost several hundred dollars each year—or more if you hire a contractor.

🚜 Septic System Maintenance

Septic systems need pumping every 2–5 years ($300–$600 each time), and unexpected repairs or replacements can cost thousands. Neglecting maintenance can cause expensive and messy problems.

💧 Wells & Water Treatment

Annual well testing ensures your water is safe. Filters, water softeners, or treatment systems often need maintenance or replacement. Major well repairs or drilling a new well can run into five figures.

❄️ Snow Removal

City snowplows don’t clear private rural lanes. Long driveways may require a snowblower, tractor, or professional snow clearing service—which can add significant winter costs.

🌳 Trees & Fences

Acreages with mature trees require trimming or removal of dead or dangerous limbs. Fence repairs, especially on large properties, can cost thousands if sections need replacement.

📑 Other Costs to Consider

✔️ Pest control for mice, wasps, or wildlife

✔️ Increased heating costs for larger or draftier rural homes

✔️ Insurance premiums may be higher for rural properties due to distance from emergency services

📩 Want My Rural Living Cost Guide?

DM me “RURAL” and I’ll send you my Rural Living Cost Guide, packed with detailed budgeting tips so you can enjoy acreage life without financial surprises.

Related reading:

• What It’s Really Like to Live in an Acreage Outside Calgary

• Zoning 101 for Acreage Buyers in Alberta

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

What Buyers Need to Know Before Skipping This Critical Step

In a competitive market, waiving a home inspection might seem like the only way to win a bidding war—but it can leave you with thousands in unexpected repairs and zero recourse. Before you sign an offer without an inspection, here’s what you need to know.

🚨 Hidden Problems Can Cost You Big

Issues like mold, roof damage, foundation cracks, old wiring, or plumbing leaks may not be visible during a showing—but they can mean huge repair bills later. An inspection helps you uncover these problems before you buy.

💸 You Lose Negotiating Power

Without an inspection report, you can’t request repairs, credits, or price adjustments if problems exist. An inspection gives you leverage to protect your budget.

⚖️ Peace of Mind Is Priceless

Even if your dream home looks perfect, an inspection confirms it’s safe and sound. Knowing what you’re buying means fewer surprises—and less stress.

❗ Skipping the Inspection Means Accepting the Unknown

Once you close, all repairs become your responsibility. If major issues surface afterward, they could wipe out your savings or cost you more than you planned to spend.

🏠 When Might Waiving Make Sense?

In rare cases—like new builds with warranty coverage or condos where major systems are covered by the building—you might consider skipping an inspection. But even then, you should consult your REALTOR® first.

📩 Want My Home Inspection Checklist?

DM me “INSPECTION” and I’ll send you my Home Inspection Checklist, with key items to check and questions to ask—so you can buy with confidence.

Related reading:

• The Hidden Costs of Buying a Home in Calgary

• What’s a Real Property Report? Why It Matters When Buying in Alberta

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

How to Avoid the #1 Error That Costs Homeowners Thousands

Selling your current home and buying your next one at the same time is one of the most stressful parts of moving. It’s like trying to line up two trains on different tracks—and one small misstep can lead to major headaches. Here’s the timing mistake I see most often in Calgary—and how to avoid it.

❗ The Biggest Mistake: Not Planning for Possession Gaps or Overlaps

Many buyers assume their sale and purchase will close on the same day. But if something delays one side, you could face:

🚫 Moving twice or paying for temporary housing

🚫 Double mortgage payments if you buy before you sell

🚫 Rushed decisions under pressure

✅ How to Time Your Sale & Purchase

✔️ Flexible Possession Dates: Negotiate extra days on either end in case of unexpected delays.

✔️ Backup Plans: Budget for temporary accommodations or storage, just in case.

✔️ Realistic Timelines: Factor in time for inspections, financing approvals, and other conditions.

✔️ Work with One REALTOR®: A single agent coordinating both transactions can help align dates and negotiate the best outcomes.

📊 Calgary Market Considerations

In a seller’s market, you might need to buy first or negotiate longer possession dates on your sale. In a buyer’s market, selling first gives you more security. Each market requires a different strategy to avoid unnecessary costs.

📩 Want My Buy & Sell Timing Guide?

DM me “TIMING” and I’ll send you my Buy & Sell Timing Guide, complete with practical steps to coordinate your sale and purchase smoothly.

Related reading:

• Buying & Selling at the Same Time? Here’s My Strategy

• How to Time the Market Without Losing Sleep

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

A Clear Guide for Calgary Residents and Newcomers

If you’re wondering whether to rent or buy a home in Calgary this year, you’re not alone. Calgary’s housing market in 2025 presents unique challenges—and opportunities—that make this decision more important than ever. Here’s what you need to know before making your move.

💸 Renting in Calgary: When It Makes Sense

Renting can be the smarter choice if you:

✅ Need flexibility for career or life changes

✅ Plan to stay in Calgary for less than three years

✅ Can’t comfortably cover a down payment or closing costs

✅ Want to avoid home maintenance or unexpected repairs

Calgary’s rental market has seen rising prices in recent years. Depending on your lifestyle, renting can either help you save for a future purchase or leave you chasing ever-increasing monthly costs.

🏠 Buying in Calgary: Benefits to Consider

Buying can make more sense if you:

✅ Plan to stay in your home at least 3–5 years

✅ Have a stable income and savings for down payment & closing costs

✅ Want to build equity instead of paying rent

✅ Prefer stability and control over your living space

Buying locks in your monthly payments (if you choose a fixed mortgage), helps you build wealth, and can shield you from unpredictable rent increases.

📊 Calgary 2025 Market Trends

• Calgary’s real estate market continues to show steady demand, with inventory shortages in some price brackets.

• Rent prices are rising in many neighborhoods due to high demand and low vacancy rates.

• Mortgage rates remain elevated compared to previous years but have stabilized, making careful cost comparison essential.

📍 How to Decide: Rent vs Buy

• Compare current rent prices vs mortgage payments in your target area.

• Factor in upfront costs: down payment, closing costs, moving expenses.

• Calculate how long you plan to stay—owning makes more sense if you’ll be in the home long enough to offset these initial expenses.

• Consider lifestyle flexibility vs the benefits of building equity.

📩 Want My Calgary 2025 Rent vs Buy Guide?

DM me “RENT OR BUY” and I’ll send you my Calgary Rent vs Buy Guide, complete with side-by-side cost breakdowns and neighborhood-specific comparisons.

Related reading:

• The Hidden Costs of Buying a Home in Calgary

• How to Time the Market Without Losing Sleep

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

Whether you're upsizing, downsizing, or relocating to a new area, trying to buy and sell a home at the same time can feel overwhelming.

But with the right strategy, this transition can be smooth, well-timed, and financially smart.

As a Calgary-based REALTOR® who regularly helps clients move between homes, I’ve developed a proven step-by-step process that removes the guesswork—and minimizes the stress.

🧠 Step 1: Start With the Sale (Even Before You Buy)

Most people want to find their next dream home before listing their current one.

But in most cases, I recommend the opposite:

Prepare your current home first.

We’ll get your property photo-ready, either go live or prep it behind the scenes so that we can hit the ground running when the timing aligns.

Why?

Because knowing what your current home will sell for—and how quickly—gives you the confidence and leverage you need when you’re ready to buy.

💰 Step 2: Understand Your Financing Options

Talk to your mortgage broker early about how you’ll manage the financial overlap. Options may include:

• Bridge financing (most common)

• Home Equity Line of Credit (HELOC)

• Extended possession dates on your sale or purchase

• Conditional offers based on your home’s sale

Every situation is different. That’s why I work closely with your lender to structure a strategy that protects your budget and avoids financial pressure.

📝 Step 3: Protect Yourself With the Right Offer Conditions

When it’s time to write an offer on your new home, we’ll include terms that keep your transition safe and realistic. That may include:

• Condition for the sale of your home

• Flexible possession timelines

• Early access for measurements or contractor quotes

I help you negotiate a timeline that aligns with your goals—whether you’re trying to avoid moving twice or need extra time for possession.

🔄 Step 4: Always Have a Backup Plan (Just in Case)

Even with the best strategy, it’s smart to have a short-term backup plan. This might mean:

• Arranging temporary housing

• Securing storage for your belongings

• Pre-booking movers or rental options

I help clients plan for all scenarios so nothing catches you off guard—even if we need to adjust the timeline last-minute.

🤝 Final Thoughts: You’re Not Alone in This

Buying and selling at the same time can be complex, but with the right guidance, it's entirely doable. I’ve helped countless Calgary-area clients manage this transition smoothly—without panic selling or panic buying.

If you're thinking about making a move, the earlier we plan, the more confident you'll feel.

📩 DM me “PLAN” and I’ll send you my Buying & Selling Strategy Guide—a free checklist that outlines the key steps, financing questions to ask, and real-life examples of how we make it work.

Let’s get you moved—without the chaos.

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.

Buying your first home is exciting—but if you’re not careful, it can also be overwhelming and expensive. I’ve helped hundreds of first-time buyers navigate the Calgary market, and I see the same mistakes come up again and again.

If you’re starting your home buying journey, here are three common mistakes to avoid—and how to get it right the first time.

❌ Mistake #1: Falling for the Wrong Home Emotionally

That perfect kitchen or dreamy backyard might steal your heart—but don’t forget to look deeper.

What to do instead:

• Check resale value in that neighborhood

• Evaluate lifestyle fit for 3–5 years

• Review traffic, commute, and school zones

❌ Mistake #2: Skipping Mortgage Pre-Approval

Without pre-approval, you risk falling in love with homes you can’t afford—or losing a great deal while waiting on paperwork.

What to do instead:

• Get pre-approved before you start viewing

• Know your max purchase price, but shop under budget

• Work with a trusted mortgage broker (ask me—I have a list!)

❌ Mistake #3: Underestimating Closing Costs

First-time buyers often budget for the down payment—but forget about the rest.

What to do instead:

• Budget 1.5–2% of the purchase price for closing costs

• Account for home inspection, legal fees, title insurance, tax adjustments, and moving expenses

💡 Bonus Tip: Work With a Buyer’s Agent Who Specializes in First-Time Buyers

Navigating offers, conditions, and market trends is easier with someone who’s got your back.

📩 Ready to Buy Your First Home in Calgary?

I’d love to help you skip the stress and buy with confidence.

📲 DM me “FIRST HOME” or click here to contact me and I’ll send you my free Calgary Buyer Guide tailored for first-timers.

Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.