Without a doubt, Aspire is the best personal safety app on the market. Invented by Robin McGraw, Dr. Phill’s wife, this app was built about domestic violence.

How does Aspire personal safety app work?

Basically, with personal safety in mind, this app was built for smartphones and androids. Implemented as a direct link for contacting others in cases of emergencies. Program in who, including 911 if you wish, for the app to reach by pushing a button. Conveniently disguised on your phone as a news app, sports app, etc. Essential for teenage children or adult females who have a lifestyle that may put them in harm’s way, etc. Without a doubt, this is a lifesaver. Clicking the “Go button” automatically dials your emergency contacts, sending your pre-typed or pre-recorded message. Also, send your GPS location and live to monitor all audio. NOTE: You must have “Location Services” turned on for the app to work.

ROBIN MCGRAW

Click on the below links to download the Aspire app on either your smartphone or Android.

Itunes for IOS

play.google.com for Android

Who should have the Aspire app?

Today’s world can be a very scary place, no matter where we live. Always on the go, teenagers surround themselves sometimes in very precarious situations. Considering all the drugs, violence, etc. in our society, close & trusted reachable contacts are imperative. Young girls are always subjected to peer pressure and sexual abuse, even amongst “friends.” Professional working women can find themselves in “uncomfortable” and very vulnerable positions as well. Accordingly, feeling a threat, one simply takes out their phone and pretends to go on to a news page. Clicking the “Go” button puts everything into motion and help is en route. Even if the threat takes your phone after activation, they will not be able to see that you have contacted anyone. Travelling for any of us can be unnerving as well. Accordingly, everyone should have this app. Especially the young and females who are out on their own. I felt this to be an important message to get out there. Many people I talked with lately, were not even aware of this app.

Ron Christensen

Real estate activity

in the city of Calgary is somewhat different than in other Canadian cities. Calgary’s real estate is heavily influenced by the oil market. However, over the past decade, Calgary’s diversification into other sectors has majorly assisted the growth. A couple of these are manufacturing and a move towards “Green” types of industry.

Current Real Estate Market Activity in The City of Calgary

Calgary lies in the foothills of the magnificent Canadian Rockies. Considered by most people, to be the most progressive city in Canada. The 2011 census shows it is the largest metropolis in Alberta and also the fifth-largest metropolitan area in Canada. The Calgary real estate sector is currently not booming, yet it is very constant. Calgary is a thriving metropolis, not only for energy, transportation, logistics, film, and television but much more as covered below. Calgary hosts many of Canada’s 800 largest corporations and houses the second-highest number of corporate offices in the country. These businesses fuel Calgary’s flourishing economy. Perhaps, this is the reason why it holds immense encouragement for the real estate industry.

City of Calgary’s Property Assessments

As far as real estate is concerned for Calgary, no one can dispute that it is continuously prospering. So, now the City of Calgary Assessment Department has to do their annual comprehensive analysis. This is done by way of inspecting as well as defining property and business activity within the city. Upon achieving this, the city levies the appropriate tax. This tax base now provides all of the essential services to its residents. Also, assessing these values annually may be done for the sole purpose of taxation. However, the value of the property is also somewhat determined in the process. The Municipal Government Act bases itself on measuring, analyzing as well as interpreting the current real estate market.

That is why assessments hold such an integral value when it comes to real estate worth. All property values including houses for sale in Calgary are based on this. July, of the previous calendar year, is when the city completes property assessments. Like in any economics, supply & demand activity helps determine the market values of properties and businesses. Based on the infinite appraisal criterion, which is an integral part of setting current values, the model is configured. This value is the estimation of the price an owner would achieve selling their property in the current market conditions.

Disputing Your Real Estate Assessment

As previously mentioned, the assessment date is July of the previous year and is communicated to the property owners the following spring. If the owner does not agree with the City of Calgary’s assessment, they have a 60-day window to dispute it. Home and business owners must prove the assessment inaccuracy by way of showing comparable neighbouring properties that reflect different values. Several factors including sales comparisons, the cost of land, replacement build and depreciation of property are as income generated by the property, location, zoning, size, and development also affect market value. Factors like environment, topography, and landscape, may also be important items that affect values. In addition, all properties have varying circumstances that affect their values to arrive at a “Mill rate” calculation. Currently, there are 470,000 taxed properties and businesses within the City of Calgary.

Calgary’s Inner City Real Estate Features

The inner city of Calgary primarily consists of the hub of businesses and high-rise residential units. Calgary has many very defining sectors that are unique:

• The Bow River meanders through the heart of the city;

• Deerfoot Trail is the main four-lane north/south connector;

• Glenmore Trail is the main east/west connector tying into West Sarcee Trail;

• Glenmore Reservoir (Calgary’s drinking water) is south central of the city center;

• The “Ring Road” is a very recent connector that takes you around the edge of the city

City of Calgary Chinooks

Calgary is famous for its Chinooks which are warming winds from the Pacific west that come over and then down the Rockies onto the Calgary plains. These Chinook winds can dramatically change temperatures in a very short period. The most climactic change recorded was in Pincher Creek just south of Calgary in 1962 when the temperature went from -19 to +22 C (-2 to + 72 F). (Forty-one degrees Celsius in just one hour!) Many locals are adversely affected by Chinooks and get migraine headaches, aching muscles, etc. Incidentally, one of Calgary’s most famous landmarks is The Chinook Shopping Centre, home to 250 stores and services.

Calgary Chinook

City Real Estate Board Map for Calgary

The latest stats activity tells us Calgary stands at 198 neighbourhoods and it is steadily growing outwards in all four directions. In total, 198 communities/neighbourhoods and 41 industrial areas are the compositions forming Calgary.

Calgary’s Beltline

Like all major cities, Calgary has a City Centre and Inner City. Both of which are home to diverse communities as indicated by the board map. The more favoured residential neighbourhoods are considered to be the ones in the Inner City (beltline), as these communities are the most evolved areas when it comes to residential real estate. A significant amount of people of all stature and family size prefer Calgary’s beltline, if feasible. However, the price is always a dictating factor and the closer to the city center you get, the higher the prices climb. The demographics in the beltline areas are usually between 20 to 44 years of age. Both apartment-style condos and townhouses are the more sought-after commodity in these areas due to both affordability and lifestyle.

City Life in Calgary

Calgary, even at a glance, appears to be a very livable city as you get to know more facts and history about it. People prefer Calgary more than any other city in Alberta. See below for a list of interesting facts about Calgary life:

• It is the most populous city in Alberta – a metropolitan area of 1.4 million people, according to the latest census.

• It is one of the wealthiest cities in Canada, with a very low unemployment rate. (Notwithstanding the current economic issues with oil)

• Calgary is one of the most livable cities, not only in Canada but also in the world.

Why Calgary?

Why Calgary tops the charts is not a mystery. Because Calgary offers the highest wages plus the lowest taxes in Canada and our provincial sales tax (GST) is only 5%, makes for a very appealing quality of life. The proximity to the Rockies and the rivers (Including the Bow with the best fly fishing in the world) presents it as even more attractive to people who desire more than just a great city to live in. The urban areas are extensive and sprawl over a general region. Calgary’s infrastructure and the network of expressways/connectors are commendable. Summers are very comfortable, averaging mid-20s C.

Attractive infrastructure such as the renowned colleges and (U of C) the University of Calgary are a huge attraction for our future talent. Free health care, and excellent public transit, (including C-Train) are also very attractive. Unlimited opportunities for work as well make this such a fabulous place to call home. As it also has the highest percentage of home ownership in the nation, Calgary real estate is a golden investment accompanied by one of the excellent places in Canada to reside.

Calgary Downtown – the center of real estate life

The downtown core of Calgary is infamous for its robust business life and atmosphere. Its economy is developing at an ever-increasing pace. As it is largely influenced by the oil and gas industry, it also depends on its driving engine, downtown’s commercial hub. Still, the Calgary real estate market is quite independent and strong even when the oil and gas industry is down. If you are about to set up a new business or simply want to live in a busy center full of innovative ideas – this region is for you.

Here you don’t only find entertainment for your intellect (business offices, abundant jobs plus available vacancies) but also an extremely qualified realtor, Ron Christensen, to walk you thru the complete process. There are several options to consider here. Some prefer downtown apartments in Calgary and for some, it will be a downtown condo. Don’t panic; Ron Christensen will put all of his efforts forward to find you just the right downtown condo or apartment in Calgary. If you’re still hesitant about something or have questions – contact Ron Christensen. He will always be there to share his expertise with you on real estate matters.

Calgary Real Estate City Commerce

Calgary is one of those cities in the world that are developing by leaps and bounds. Its driving force is primarily the oil and gas sector. However, the economy is rapidly diversifying into many other areas. Not only the extent but also the scope of Calgary’s diversification is perpetually improving. A few of the new ventures include:

• Manufacturing

• Technology

• Finance

• TV and films

• Aerospace

• Transportation and logistics

• Tourism activity

• Real estate development

• Creative industry

• Agribusiness

Finally, DeBeers Diamonds (The world’s largest producer of diamonds) also recently relocated its head office to Calgary in June 2016. That is just one more indicator and shows how vibrant Calgary is. This is why the city of Calgary is on track to soon become the most livable city in the world.

A Calgary condo purchase income guide 

Many would-be homebuyers find the home of their dreams, only to wonder, “Can I afford it?” Canada Mortgage and Housing Corp., as well as many major banks, recommend spending no more than 30 percent of income on housing, including mortgage (principal and interest), property taxes, insurance and utilities. To help, we did the math for a typical apartment-style condo in each region of the city.

City Centre

• Required Down Payment: $14,261

• Recommended Household Income: $66,240

North East

• Required Down Payment: $11,184

• Recommended Household Income: $52,880

West

• Required Down Payment: $12,264

• Recommended Household Income: $57,600

South

• Required Down Payment: $11,228

• Recommended Household Income: $53,080

North

• Required Down Payment: $10,817

• Recommended Household Income: $51,280

North West

• Required Down Payment: $11,926

• Recommended Household Income: $56,120

South East

• Required Down Payment: $12,077

• Recommended Household Income: $56,760

East

• Required Down Payment: $9,275

• Recommended Household Income: $44,600

*All calculations assume a five percent down payment

(which necessitates mortgage insurance), 25-year amortization period, 3.50 percent mortgage rate and no outstanding debts. Estimated property tax, home insurance and utility cost values are factored into the calculations (via www.ratehub.ca/mortgage-payment-calculator). Recommended income is based on the calculation of housing expenses (mortgage, utilities, property tax and home insurance) as 30 percent of gross income. YTD Benchmark Prices are accurate as of Sept. 1, 2018.

The new year kicks off with slow sales

The City of Calgary, February 1, 2019 – As economic challenges linger into 2019, housing markets remain at a sluggish pace.

January sales totalled 804 units, 16 percent below last year and 21 percent below long-term averages for the month.

"The slow start to the year does not come as a surprise, as concerns about job losses and the state of the energy sector weigh on consumers. We anticipate that the slow market conditions will persist throughout much of the first quarter," said CREB® chief economist Ann-Marie Lurie.

The number of new listings entering the market remained comparable to last year, but those levels far surpassed sales activity. This has resulted in further gains in inventory levels. Elevated inventories relative to sales caused months of supply to rise to nearly seven months.

Persistent buyers' market conditions have continued to impact prices. Citywide residential benchmark prices eased to $414,800 in January. This is nearly one percent lower than December figures and four percent below January 2018 levels.

HOUSING MARKET FACTS

Detached

• Detached sales eased by 17 percent compared to last year. However, declines did not occur across all districts, as sales activity improved in both the North West and North East districts. The most significant sales declines occurred in the North and West districts of the city.

• New listing rose across all districts except the North East, North and South East districts. Only the North East district recorded easing months of supply compared to last year.

• Detached benchmark prices totalled $476,500, a one percent decline compared to December and over four percent lower than last January.

• Prices eased across all districts. The largest year-over-year declines occurred in the South, North West and City Centre districts.

Apartment

• Apartment sales totalled 126 units in January. This is 13 percent below last year and over 20 percent below long-term averages for the month.

• Slower sales and lower new listings helped inventory levels ease. Currently, there are 1,173 units in inventory, which is nine percent lower than January 2018 levels.

• Despite some adjustments in inventory, months of supply remained elevated at nine months, impacting prices. While prices remained relatively flat compared to last month, they declined by two percent compared to levels from last January.

• Prices remain well below previous highs, but there were some price improvements compared to last year in both the North East and South East districts.

Attached

• Sales declined for both row and semi-detached product types. New listings rose, causing inventories to rise for both product types.

• With the attached sector firmly reflecting buyers' market conditions, prices eased by over four percent for a January benchmark price of $313,700.

• Semi-detached prices eased by nearly five percent compared to last year for a total of $393,100. The steepest declines occurred in the City Centre and South districts, with adjustments of over six percent.

• Row prices declined by four percent compared to last year for a total of $284,300. All districts recorded price declines, but the most notable decline occurred in the City Centre, where prices were nearly eight percent lower than last year.

REGIONAL MARKET FACTS

Airdrie

• January 2019 sales in Airdrie totalled 65 units. This is just below levels recorded last year, but comparable to the average activity occurring over the past ten years.

• Despite easing new listings compared to last January, inventory levels increased to 422 units. Higher inventories given the sales activity caused months of supply to remain elevated at 6.5 months. Persistently high levels of supply relative to demand continue to weigh on prices.

• Detached prices totalled $354,300 in January – 0.5 percent below last month's price and nearly five percent lower than January 2018.

Cochrane

• Due to a pullback in Row sales, January sales activity slowed compared to last year and longer-term trends. At the same time, new listings eased causing inventory gains and the months of supply to rise to nearly 14 months.

• The oversupply in the market has caused prices to trend down compared to the previous month. However, on a year-over-year basis, the detached benchmark price of $408,600 was relatively stable compared to January 2018 price levels. 

Okotoks

• Sales activity in January declined over last year. While the new listings in the market also declined compared to last year, there were still far more new listings than sales activity causing inventories to rise and months of supply to remain above 10 months.

• Persistent oversupply has continued to weigh on benchmark prices with the third consecutive month-over-month decline. Detached home prices totalled $416,900 in January. This is one percent lower than last month and three percent lower than the same time last year.

Are you overwhelmed by all the listings you have to search through to find the “right” one?

Calgary real estate listings search and how not to get lost in them

You have probably realized by now that the real estate world is full of secrets and tricks. It’s always better to be guided by someone with experience and knowledge of the potential pitfalls you may encounter. This person is Ron Christensen who has access to “all” the board database. So if you are looking for real estate in Calgary – contact Ron to get all the professional assistance you need & deserve.

What is & what does CREB do?

CREB is a name that many buyers/sellers may not have heard of before. So, what is this CREB? Basically, CREB stands for Calgary Real Estate Board. Simply speaking, it is a board that assists real estate agents. Through here, agents can effectively communicate with each other & search for the best deals in the market. All the more, this organization provides helpful information for those who buy and sell properties. However, this is not the only advantage it offers to its members. Another feature CREB is most useful with is the real estate listings database. This information, however, is not something that is kept secret or hidden from the public. On the contrary, you can easily Google CREB on the Internet. Here you can obtain a vast, yet limited array of stats & info. The point is – you still need a professional Realtor to help you get the most out of CREB’s system.

Why do we need to search current & past real estate listings in Calgary?

Everything mostly depends on whether you are selling or buying a condo, duplex, townhouse or even commercial property. Based on that, a proficient real estate agent knows what steps to take and when to take them, to accurately help you succeed. Many factors, as follows, are incorporated by Ron Christensen.

• Reasons you are selling or buying property

• What is your time frame

• What is the ultimate goal you want to obtain?

• Do you search and buy now, or do you have to sell your existing home first?

• Do you think you can do better on your own or do you feel you require professional assistance?

You will probably agree that you do not want to spend unlimited time on the Internet, searching & continuously monitoring thousands of listings. CREB’s “new listing” database is where your real estate agent quickly finds the exact property you are looking for, by entering specific search parameters.

Calgary’s NW communities

More and more people are asking about the beautiful Tuscany area. The answer to why is right here as to what makes it so desirable. Tuscany has been recently chosen as one of the best NW communities in Calgary. It offers its residents a mix of nature’s foothills and proximity to the bustle of the city’s downtown area. In this neighbourhood, you will find single-family, condos, and semi-detached homes. Tuscany is not deprived of its recreational & shopping either. You will undoubtedly find everything you require right here, daily. Springbank Hill is just one more area many people have taken an interest. It is infamous for its rural setting.

Yet, it is within easy reach of all the main city attractions. The proximity makes this place even more cherished for those who enjoy the solitude of nature. Also, who like being close to the center of city life at the same time. Speaking about the most popular areas in Calgary, one must make mention of Hawkwood. Hawkwood is located at the crossroads of the city and many homes have great views of the Rocky Mountains. This is a very well-established and affluent NW community in Calgary.

Another quadrant worth consideration is Calgary’s SW

The SW is not only one of the popular areas to live in but also has more luxurious communities. It is encompassed recreation, shopping, and green belts/walkways together with a vast variety of professional businesses. Some of the more desired areas are;

• Willow Park

• Canyon Meadows

• Pump Hill

• Eagle Ridge

• Oakridge

• Lake Bonavista

• Silverado

With all this info at hand, our MLS database provides its members with only the newest and up-to-date information. To find you that perfect property. Ron Christensen will enlist all of this invaluable information to assist you.

Kensington neighbourhood

Kensington is your perfect choice if you are looking for a luxurious home in a very trendy area, and a few blocks from the city core. The types & styles of properties you find here are very versatile to match the tastes even of the most exquisite buyers. This unique niche is home to a wide array of cultural restaurants and shopping. Kensington has had very significant increases in prices over the past decade and is very much in demand.

Who is doing your searches?

Successfully buying and selling property is an “art”. Therefore, successful real estate agents continually study, practice their craft, and train for years. This is the only way to properly assist you in achieving your real estate endeavours. In regards to selling, which is usually much more time-consuming & complicated than buying, there is one summary fact here. Only real professionals can be successful in selling your property for the highest price and the best terms. Your Realtor will go through a rigorous process searching for those who may be interested in your property, engaging their agents and booking showings. This is only one reason you require a professional real estate agent. They will make sure you get the very best sale price, & the very best value when you purchase your new property.

MLS listings

One of the many tools that assist real estate agents is the MLS listings portal, where they spend a fair share of their time searching for matches to your interests. On most Realator websites, it is possible to look up all the most current listings to keep you in sync with the market.

Looking for cheap real estate services?

Okay then, move along, you are on the wrong site:) There are many cases where both buyers, but most sellers, are convinced “cheaper is better”. I honestly believe this can be summed up with these two phrases, “If it sounds too good to be true” and “You get what you pay for“. There is no shortage of discount “professionals” with their discounted services. The important thing to ask yourself is, what can they do for me for basically no remuneration, that I can’t do for myself? On the other side of the coin, a professional agent who actually makes a living in real estate and takes customer service seriously will give you exemplary service. If you are reading this article, you are probably in need of professional service. If so – contact Ron Christensen at 403-861-7770. You will be guided through a very exciting and enjoyable process. Ron has very successfully marked infinite Calgary homes since 1987 at 7% on the first $100,000 and 3% on the balance of the sale price. In every situation netting the amount owners wanted and many times, more, due to competing for offers, on a well-promoted property.

Commercial property in Calgary

It is, by far, one of the most profitable investments you can make. Business in Calgary is growing every day and more and more developers are building newer high-end business parks.

CIR's commercial property agents

CIR has its dedicated commercial division and is more than qualified to assist you. Ron Christensen has been working in the real estate industry since 1987 and has acquired all the skills and knowledge available. He knows the industry inside out and can recommend commercial properties that suit your business criteria.

The rural areas around Calgary

Calgary is surrounded by rural land and is divided into many MDs (municipal districts). All of these districts have their uniqueness and opportunity. Some offer great incentives to draw businesses to them and others are only looking for the folks wanting that peaceful lifestyle. They range from prairie flatland with or without city/mountain views to rolling hills and valleys. If you move closer to the west side you will be surrounded by beautiful forests, rivers, and the Rocky Mountain foothills.

The benefits of working with CREB

CREB is the organization that compiles the most proficient real estate agents in one place and provides the latest listings, stats, and news to its members. If your real estate agent is a CREB member, you can be confident that you are in very capable hands.

Do you know Calgary well enough to find the best area for your new home? If not, we have a map with some informative quadrant information to help you decide.

View Calgary’s map to help you choose the “right” area

Everyone, especially Canadians, knows Calgary is one of the greatest places not only to live but also to do business and enjoy all the great amenities. Shopping, entertainment, cafes, restaurants, pubs, and casinos are just a sample. Taking your individual preferences into account, and viewing Calgary’s map will help you decide what area of Calgary matches your lifestyle and personality.

Calgary’s real estate taxes

You should be familiar with the taxes you will pay if you choose to buy property in Calgary’s market. Our land is one of the most precious and profitable investments in the world aside from oil/gas and gold. Thus, means the returns, you will realize from such an acquisition are likely to be quite substantial in time.

• Real estate taxes are also the ideal tool to improve and develop land and the infrastructure surrounding your property. As we pay the due amount, some of it inevitably goes into the development of the region. Therefore, taxes may be considered one more tool that makes the land we own more precious and appealing.

• Every real estate property in Calgary has an individual tax assessment to be paid to the city. The amount varies depending on considered factors during the process of evaluation.

How are taxes calculated?

• Your real estate property taxes will be calculated based on the fair market value of your property.

• Also, the data on all sold properties for the period of the last year are part of the calculations.

• It is also possible to make close estimates just by looking at similar real estate properties in your neighbourhood. This way you will have somewhat of an idea as to what amount you will have to pay for your assessment.

A map of Calgary’s downtown area

The majority of commercial real estate in Calgary encircles the outlying areas and within Calgary’s Downtown Core. Originally, the city of Calgary developed as one of the key oil and gas centers in Canada. Owing to that factor, it managed to grow immensely and become one of the most sought-after places to live. Despite the domination of such an important oil and gas industry, Calgary has not lost its identity and reveals itself in many different areas. These facts make it even more attractive to various types of businesses and talented people. Each of them brings something new and unique to the city. Calgary’s downtown area is full of various startups as well as already growing and established companies. Here you can find the commercial real estate property that suits your taste and requirements.

Wandering Calgary’s streets.

Calgary’s road layout is just one more boasting feature. The point is that they are laid out and constructed according to the Complete Streets Policy. It is a tool that makes the city of Calgary a favourite place to live for all its residents, despite the type of transport they use. In such a way, Calgary has become a user-friendly place not only for cars, buses, trams, and bikes but for pedestrians as well. There are twenty-four main streets in Calgary. Each and every one of them has its history, but the one thing they have in common is that the majority of them are major connectors, bus routes, and many parallel rapid transit lines.

The street map approach is relevant for:

• Making people’s lives easier

• Facilitating vehicle commuting

• Creating uncongested traffic flow

• Going for comfortable & safe pedestrian areas

• Improving overall safety on the roads

• Developing Calgary’s future growth and economy

• Attracting new businesses to the City of Calgary

• The economic well-being of the residents.

Calgary implements all of this. Thus, making it an even more attractive place to live and for potential buyers to consider locating.

Boards, what are their roles in Calgary’s development?

Calgary is one of those cities that cares deeply about its residents and their future. Organizations such as Boards, Commissions, and Committees exist for this reason. Their goal is to help the city administration with a multitude of issues. A great example is the Calgary Real Estate Board, (CREB) which deals with all real estate issues. It has first-hand knowledge of all real estate endeavours coming to the market.

The fate of businesses that come to Calgary.

Many claim that the Calgary region is one of the most profitable and promising areas in Canada. Hence, it has a lot to offer to various types of businesses, including yours. Despite the fact that the area is famous for its oil and gas industry, no company outside the industry has ever lost its identity here. What’s more, the number of new endeavours in the entrepreneurial arena is rising daily on Calgary’s skyline. So why not you, who sets up the next successful business with your piece of Calgary’s real estate?

The four quadrants of Calgary.

Calgary is geographically divided into four quadrants. Each and every one of them brings something unique to one’s lifestyle. So when considering buying real estate in Calgary, you should initially get acquainted with the neighbourhoods and only then, choose the one that matches your needs and goals.

Northwest – Buy or rent, it is your choice

Spectacular views and the Rocky Mountains nearby make the area a magnificent place to live. This part of Calgary is also home to one of the largest municipal parks in the country. It’s for those who like combining the beauty of the mountains, nature and all its landscapes with easy access to bustling downtown Calgary. You can either buy or rent real estate there – both are great choices and plenty of options.

Northeast

In the Northeast, everyone will find the style and type of real estate that works for himself/herself. The property here ranges from the most affordable up to the very luxurious. The NE is the smallest of the four quadrants in Calgary. Still, it offers one of the most growth and development.

Southeast

If you prefer the quietude of nature to busy skyscrapers in the city, then the Southeast is for you. It consists of forty-one communities where you have a full gamut of real estate to choose from. Here you are offered everything from- highrise apartments, townhouses, condos, duplexes and right up to multi-million dollar estate homes. Check out a few of the established & up and coming communities:

• McKenzie Lake

• McKenzie Towne

• Copperfield

• New Brighton

• Mahogany

• Legacy

• Cranston

• Chaparral

Southwest

This part of Calgary is where a majority want to live because it combines both a relaxing lifestyle with the adjacent bustling city activity. Great schools for kids – this is another point worth considering for those who have small children. Being one of the most prestigious quadrants, it still can offer homes and condos in various price ranges.

Immediate South

This area dates back to the 1950s. It is a very prestigious place to live, as it offers a multitude of historical homes, and places for recreation and combines it all with a dynamic business area. If you are considering being part of real estate ownership in Calgary, contact Ron Christensen with CIR Realty, and you will be given the ultimate in professional service, “From sign up to sign down!

Real estate professionals 

can sometimes be difficult to find. Reason one is, that there are many licensed agents in Calgary conducting their real estate practice as a part-time endeavour. Then, there are others who choose not to adhere to all the rules and regulations regulated by RECA, (Real Estate Council of Alberta).

Where to find genuine real estate professionals?

Many people agree that at least once in their lives they’ve heard stories about irresponsible real estate professionals. Making professional mistakes including undisclosed costs, risks, and, even losing the sale, are just a couple. Is this fair? Of course not, and it goes without saying that you do not want the same outcome. For these reasons, you need to do a lot of research and spend time looking for the right real estate agent. As everyone is different, there is no ideal solution for everybody. That is why it’s always better to put in the effort and find the best qualified real estate agent. Just follow the main criteria, and you will definitely achieve your goal.

The essential characteristics of real estate professionals

What makes a truly great real estate agent? All real estate buyers and sellers in the world want to know the answer to this perpetual question. Firstly, the success of their deal largely depends on the professionalism of the agent. Secondly, the buyers/sellers want to avoid legal mistakes and legal suits in the end. Everything here sounds quite logical. Real estate could be a wonderful experience for everyone if they followed the basic rules of finding the right real estate agent.

A typical buyer/seller combination deal scenario;

There would be very limited nightmare scenarios as discussed. One scenario was a family who decided to buy a house prior to selling. In the beginning, everything was great. The screening and shortlisting processes started, they picked four houses to visit including one that appeared to have everything. They decided on this one, wrote an accepted offer and put down a deposit, conditional to their home selling. It ended up being a very frustrating experience for this family. As time went on, their house still had no offers. They had to go back to the seller of their purchase and request an “Extension” for theirs to sell. They were given the extension but this was a “Clause Offer”. Conditional to the buyer’s house selling, they ultimately lost the purchase. As their purchase stayed on the active market, someone else put in another offer on it. They were given 48 hours to complete their purchase or back out. Of course, as their house still hadn’t sold, they pulled their offer.

For you to avoid additional hassle and expenses here are a few tips on how to choose a great real estate agent.

1) Search all active real estate agents' websites in your area. Your initial list is a great starting point for a successful deal. While browsing you will see how every real estate agent presents themselves. You will see his/her face (if their photo is available), you will read about their services, and, most importantly, there may be a blog or testimonials that you can read. Moreover, the website design is important, as most everyone today shops via the net and a professional, optimized site presence is crucial. 2) As a proven option, Royal LePage Solutions suggests using the Calgary Real Estate Board (CREB) directory of local agents.

It opens up all available opportunities and quality solutions to your real estate needs. Also, it gives you a window into the community of real estate agents in Calgary. There you can find the most comprehensive information on every registered real estate agent. 3) Once, you have looked through a number of real estate agents' websites and have a basic idea about what they offer, your decision is simplified. So now, just shortlist them, and write down all the pros and cons of each. This list will have a huge influence on your decision. 4) Schedule interviews with the shortlisted candidates, but don’t waste time just sitting there and taking part in a pleasant chit-chat. Instead, prepare a few relevant questions including their areas of expertise, years of experience, fees, etc. Listen and observe the behaviour and manners of the prospective real estate agent. 5) All these steps will give you insight into every real estate agent’s potential. Set aside any personal prejudices and decide which one will represent you best in the process of selling/buying your new real estate property in Calgary.

The perks of hiring real estate professionals

There are those who strongly disagree with consulting and hiring real estate agents and believe that they can do everything on their own. Alternatively, others are of the opinion that real estate agents are indispensable and invaluable assets to a successful transaction. In fact, real estate agents are those intermediaries that help you achieve your real estate goal with minimum losses and expenses on your part. Usually, netting you more dollars in the end.

In summary

• First, your agent will interview you to learn about your goals, preferences, and requirements, selecting the best options and benefits for you.

• Then, your insider will now be able to show you all your possible options. Your agent now steps into more of a partnership position with you. Moreover, real estate agents are well-versed in many areas and will inform you about any potential pitfalls they see the property may have.

• In addition, your real estate agent guides you through, checks and double-checks all documents involved in buying/selling real estate. You do not have to re-read contracts several times and be concerned that everything is correct.

• Your real estate agent is your protection and assurance. Another upside to this new relationship is that you have much more time to spend with your family or business affairs.

CIR Realty – home of Calgary’s best real estate professionals

Every business sector has professionals others want to follow and emulate. Here, in Calgary, it is CIR Realty. All new real estate agents learn from experienced ones and participate in ongoing educational courses. Real estate experts in CIR Realty can boast about their market share and years in the business. Testimonials speak for themselves, so if you are not sure who is the right agent for you – visit the CIR Realty website. What is more, CIR Realty cares about the up-and-coming generation of real estate agents. They have continual educational courses and mentoring. Here, the new real estate agents learn, enhance their skills and hone their techniques. For additional questions, please contact Ron Christensen, a leading real estate agent with CIR Realty. Ron will answer all your questions and provide practiced solutions for your individual needs. Definitely, it won’t cost anything to consult with professionals, in fact, you will most likely save significant monies.

Here is a little info to assist you in searching Calgary’s real estate Listings.

How to search through Calgary’s real estate listings?

It goes without saying that every real estate transaction starts with a listing. Initially, a buyer, seller or their real estate agents have a long list. This consists of various options that may be of interest to their clients. Secondly, they shortlist this abundance of choices to a relevant quantity. At this stage, it becomes perfectly clear what the client’s target and preferences are. As a result, the accurate remaining choice of listings is vitally important and valuable for the success of the transaction that is about to take place.

Real estate agents know the methods and secrets to opt for the most valuable and preferable listing. This is one of the reasons why it is always better to have your real estate agent lead you through the process and help you. Nevertheless, there are some tips that you can read and follow when selling or buying real estate property in Calgary.

What to pay attention to when choosing real estate listings in Calgary?

Undoubtedly, there are a few who decide not to employ the resources of a real estate agent’s services. They, instead, want to be on their own, tackling the problems that may appear and celebrating their success in the end. It is easy to say, but not so easy to continue through the process alone and have everything satisfactory in the end.

Where do I look for Calgary’s real estate listings?

The first thing you should pay close attention to is the source where you acquire your information. Try to choose the most reliable websites that are at the top of your Google search. Confirm the authority of the website or you risk the chance of obtaining old listing info that is not relevant and a waste of your time. The next important step is to fill in all the relevant fields pertaining to your needs. This way the website will sort all the available listings, prioritize them and show you only those you would be genuinely interested in. Here you can confirm what kind of house you are looking for, what are your priorities and what fits your budget.

Southwest Calgary

Being one of the most prestigious of the four main Calgary quadrants, the southwest can also be called the median for those looking for a mixture of business life and a relaxing home lifestyle. Firstly, it is an easy commute to work that is sure to be a positive for those who don’t like rush hour. Then, there are many schools and other educational institutions throughout. Finally, the surrounding nature is so beautiful and peaceful that the minute you get back home, you feel like a different person in your own oasis.

Northeast Calgary

It is the smallest area in Calgary out of the four. However, everyone can find something here for their taste and budget. It does not matter if you want to buy or rent – Northeast is a good choice with all the amenities you’ll require.

Southeast Calgary

This region is particularly good for nature lovers. If quietude, mountains, trees and pathways are your cup of tea, then you definitely will fall for the Southeast. What is more, it is convenient to commute to the city center. Families with small children will surely like the area with all it has to offer.

Northwest Calgary

This is the region of Calgary with breathtaking views of the Rocky Mountains. For those who love nature and the close proximity to a bustling city center, everything is here for you. For nature lovers and dog walkers, Nose Hill Park is right next door. Definitely a breath of fresh air with all the conveniences of city living.

Why is it so prestigious to live in Downtown Calgary?

Now, more and more people see Calgary as one of the most inviting cities, and as a result – preferable for living and doing business. Residents will agree that the area is extremely rich in everything that one could desire. Consequently, the popularity of Calgary’s growth by word of mouth is at an ever-increasing pace. However, Calgary like every city in Canada is quite versatile, with its advantages for some, and disadvantages for others. Therefore, before you choose a place to live, check out the area and everything it offers. To assist you, the map of Calgary can come in handy, as all its communities and accesses are highlighted. Downtown Calgary can boast to be the most prestigious part of the city mainly due to its corporate density and fine shopping/dining. Also, a great place for networking for those looking to expand their horizons.

Acreage as your real estate solution

Buying an acreage is a good solution for those looking for a combination of privacy and proximity to business centers, malls, and other popular public places. If you are confident enough to buy your own land and start building a house, go ahead. But make sure to have a seasoned professional assist you. Ron Christensen is one of them. Do not hesitate to contact him and get the answers to all your questions. It is always best to ask for help before you do something rather than cry for help once something goes sideways.

Ron Christensen

What do all these mortgage rules mean to me?

New mortgage rules and what do they mean to us?

In the real estate world, mortgages are usually ways of buying a house. It is key to whether a family is going to enjoy their life in a new and cozy place of their own or not. Therefore, many clients and real estate agents consistently follow the information about new government mortgage rules. This way it is easier for them to react and make as lucrative a deal as possible. Here we cover recent mortgage regulations introduced by the government of Canada.

Life before new mortgage rules

Mortgage rules have existed for a long time and proved the concept to be working well in our real estate industry. Thanks to various mortgage opportunities, many families managed to acquire their new homes. Once they decided to put their efforts into motion, the dream was finally achieved. Previously, to most families, the word “mortgage” was a lifesaver on the way to home ownership. However, times have changed. Up till now the mortgage rules were realistic which allowed more people to qualify. In the end, everyone was appeased – real estate agents because they sold the property. The buyer, because now they are a legal owner of the property. Finally, the government, as they received the fees and increased the economic growth.

The old mortgage rules worked very well

Let’s say an average family of millennials could put 20 percent down payment and receive low-ratio financing. Still, they had the option through the government that offered as low as 5% down, insured mortgages. There is another benefit that the old mortgage rules provided to society. An average first-time home buyer could have been granted a considerably larger mortgage. In fact, with a $50,000 income and a 5% down payment, they would have qualified for around a $300,000 purchase.

The era, “after new mortgage rules”

While under new regulations, it is more difficult to receive a mortgage and become a homeowner. The entire real estate market is affected by the new rules as up to 50% of Canadians now will not qualify for a mortgage. According to the federal Liberal’s new rules, the amount of the down payment will no longer matter. To make it clear, it does not change anything if you want to put a 5% or 20% down payment, you will be subjected to a “Stress Test.” Only this scrutinized calculation process will decide what amount of mortgage for which you are eligible. By the way, the stress test went into effect on the 17th of October, 2016.

At the same time, the basis of the stress test is aimed to measure if the buyer can afford to repay the mortgage at a higher rate. This, in case the mortgage rates rise to the current bank, “posted” five-year mortgage rates set by the Bank of Canada. The problem is that the “Posted” rates offered by the banks are unrealistic because it is much higher than what lenders are actually offering. The entire buying process becomes more difficult & expensive as a result. To qualify, you will now be quoted on a five-year fixed rate of 4.64%, while realistically, lenders offer you 2.44%. Absolutely ridiculous, industry experts say!

More mortgage rules coming November 30, 2016

Also, it is important to pinpoint that as of November 30th, 2016, new criteria for low-ratio mortgages will also take effect. Apart from that, you should know that the maximum amortization period of your mortgage must be 25 years or less. (The new rules theoretically force buyers to qualify on an 18-year amortization rather than an actual 25-year.) At the same time, the maximum purchase price must be less than $1 million. As for your credit history, there are restrictions such as your beacon score must be 600 or higher. Finally, the property has to be owner-occupied.

Government’s viewpoint on its recent mortgage modifications

As Ottawa has recently decided to tighten mortgage requirements, it has become much more difficult for people all over the country to obtain a mortgage. This point is more relevant to the millennials who are the driving force of the market. They make up the volume of transactions. The Liberal’s reasoning for such drastic changes in mortgage rules is the federal government’s predictions. There may be an increased number of mortgage defaults in the future if rates were to rise. All this “could” happen due to the healthy activity in housing markets all over the country, providing rates do start to go up. To summarize, the government is of the opinion that new restrictions will decrease the number of predicted mortgage defaults to banks and other lenders. They “must” protect the wealthy banks who essentially control our government and our economy!

Consequences for the real estate market

Every single government incentive and rule has its purpose. However, the idea is not always as dangerous as its consequences. Because of these new regulations, there will be a massive increase in first-time buyers who now cannot afford to buy a home. Likewise, the people who expected to upscale can now only afford something much cheaper. This does not meet their personal wishes and expectations, thus a stalling housing market. Industry experts say that as a result of new mortgage rules, the market can soon expect even higher mortgage rates. We find that kind of ironic.

What the industry experts see

The majority of real estate experts agree that this government initiative will lead to an even bigger failure than the one it was trying to avoid. Also, experts say that it would have been imperative for Ottawa to have consulted professionals from the inside. This way, many problems we will now be facing, would have been avoided. The new mortgage regulations will also become the road for the banks to take further control of refinances, rentals etc. Previously the responsibility was with brokers and lenders not related to “The Big Five” lenders. As a result, the competition will become tougher and the public will drastically suffer financially. Again, experts agree that the government was trying to cope with a mythical problem which did not exist. The rate of default mortgages in Canada for the last several years has been extremely low.

Is there a light at the end of a mortgage tunnel?

In fact, no one can predict for sure what is going to happen. Clients now are wondering if it is better to just wait to do any real estate transactions at all. One can only hope that this detrimental mistake will not kill our industry as we know it. We hope the real estate market will stabilize and everything will get back to normal, but highly improbable. The best tip that can help you through this fiasco – hire a knowledgeable and trusted real estate agent. This person will become your guide in the real estate/mortgage world and do their best to offer you the options that help you succeed.

AUTHOR’S NOTE:

Without a doubt, I know this “Stress Test” is simply one step closer to government control over Canadians. Ideally, our government should be conducting their own “Stress Test” on their handling of our tax monies. Also, the Liberals should be monitoring and controlling the 5 major banks, which are basically in control of our government. You can easily take away the opportunity of home ownership by manipulating the rules so citizens can’t qualify. You now force them into rentals, becoming dependent and vulnerable. Very soon, a nation forced into rentals will be at the mercy of government, landlords, and institutions. Their unregulated operations will well surpass any “damage” a mortgage rate change would have had. If our infamous Liberal leaders were “truly” concerned for the welfare of the people, they would put the restrictions on the five major banks, not the public.

Sensible options

One reasonable option would have been to state that buyers had to commit to a locked 10-year term, on the lender's competitive discount rate. This option would confirm their payments were guaranteed for a decade, regardless of rate changes. Another choice would have been to extend the amortization from 25 years to 30 or 35 years instead of effectively setting it at 18 years for qualifying purposes. Statistics Canada shows Canadians typically move every five years on average. Therefore, an extended amortization is entirely appropriate, as the majority of homeowners don’t plan on staying for the long haul, to pay off their first mortgage. This extended amortization is critical for home ownership qualifying purposes, and affordable payments.

Ron Christensen