Illustration of a couple at a kitchen table going over mortgage paperwork, with a downtown skyline through the window.

Daniel De Sousa 3 Nov 2026

Buying or Renewing After the Rate Hike: What to Do Now in Alberta

The Bank of Canada’s October 28, 2026 increase hit variable rates right away, while fixed rates moved on their own track. Prime rose a quarter of a percentage point to 4.70% at Canada’s...

Illustration of a modern low-rise condo building in Edmonton on an autumn afternoon, with yellow-leafed trees lining the front walk.

Daniel De Sousa 3 Nov 2026

Buying a Condo in Edmonton: What to Check Before You Commit

Buying a condo in Edmonton means making two decisions at once: the unit you’d live in, and the condo corporation you’d be joining. This guide looks at both from the financing side. It...

Illustration of a downtown skyline and river valley on a clear late-fall day.

Daniel De Sousa 2 Nov 2026

Bank of Canada Raises Its Rate to 2.5%: What It Means for Your Alberta Mortgage

The Bank of Canada raised its policy rate from 2.25% to 2.50% on October 28, 2026, its first increase since July 2023 (Bank of Canada). The big banks moved their prime rates up the next day. Two...

Daniel De Sousa 17 Aug 2026

Edmonton’s Condo Market in 2026: Prices Are Holding, But Buyers Have Disappeared

Ask around Edmonton and you will hear that the condo market has fallen apart. It is a common view this year, and it can put buyers off condos before they have looked at the numbers. The data does not...

Daniel De Sousa 13 Aug 2026

Alberta Mortgage Rates August 2026: The Bank Is Still on Hold, but Fixed Rates Are Climbing

The Bank of Canada’s policy rate has not moved since October 30, 2025. Six consecutive decisions, most recently on July 15, have all been holds (Bank of Canada, 2026). At this point the policy...

Daniel De Sousa 12 Aug 2026

July 2026 Alberta Mortgage Rate Update: The Bank Holds, But Fixed Rates Climb

The Bank of Canada held its policy rate at 2.25% on July 15, 2026, the sixth consecutive decision with no change (Bank of Canada, 2026). If you only read that headline, you would assume mortgage...

Daniel De Sousa 27 Jun 2026

Summer 2026 Edmonton Housing Market Outlook: What Buyers and Sellers Need to Know

Edmonton’s housing market is giving buyers more room this year. Inventory in March was up 31.6% year-over-year, detached homes averaged $590,162 (REALTORS Association of Edmonton, 2026), and...

Daniel De Sousa 20 Jun 2026

Investment Property Down Payment Requirements in Alberta (2026)

For a rental property you won’t live in, plan on at least 20% down. Even where CMHC insures a non-owner-occupied rental, through its Income Property product for 2-to-4-unit buildings, the...

Daniel De Sousa 11 Jun 2026

Alberta Mortgage Rates June 2026: The Bank Held Again, but Bond Yields Just Moved in Your Favour

On June 10, 2026, the Bank of Canada maintained its policy rate at 2.25% (Bank of Canada, 2026). That is the fifth consecutive decision without a move, and by now the headline is not the story. The...

Daniel De Sousa 22 May 2026

3 Commercial Mortgage Mistakes Edmonton Investors Make (And How to Avoid Them)

Commercial mortgage files that get into trouble usually share one cause: the investor treated the deal like a bigger version of a house purchase. It isn’t. Commercial is a different animal with...

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