In our Calgary market and throughout Alberta, we’re seeing some welcome stability—policy rates are holding steady and inflation pressures are easing. But as we advise our clients, true affordability depends less on interest rate speculation and more on the practical room in your household budget. If your mortgage is up for renewal soon, early planning is key. We’ve found that the first renewal offer is rarely the most competitive, so it’s well worth comparing options to ensure your payments fit comfortably. Many buyers are also leveraging suite income or help from family to make ownership work, but it’s critical to understand exactly how lenders will assess that rental income. On the supply front, we’re tracking new federal projects that are set to break ground later this year, though national housing starts are still expected to dip in 2026 compared to 2025. Whether you’re buying, renewing, or refinancing, our advice is to model out sustainable payments, compare renewal terms carefully, and weigh any refinancing options against potential penalties. Our team’s hands-on experience and analytical approach mean we’re here to help you navigate these decisions with confidence.
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