Are you considering investing in rental or revenue properties in Alberta? Big changes are coming that could impact your strategy — let’s break it down.

🔍 What’s changing?

• Starting January 2026, lenders will tighten how they evaluate mortgages for income‑producing residential properties. The rules will include:
  • Rental income can only be counted after expenses and only for the property being financed. MMG Mortgages - Alberta Mortgage Broker
  • You won’t be able to reuse the same rental income stream to qualify for another mortgage. MMG Mortgages - Alberta Mortgage Broker
  • Lenders will face higher capital requirements when financing these properties, which typically means stricter criteria for borrowers. MMG Mortgages - Alberta Mortgage Broker

• Additionally, if you own property in the City of Calgary, 2025 will bring a higher provincial portion of your property tax. For residential properties, the provincial‑requisition portion rises significantly compared to 2024. https://www.calgary.ca

🎯 Why this matters to you as an investor:

• Your borrowing power may shrink: You won’t be able to stack multiple investment mortgages using the same rental income.

• Your deal math changes: Net rental income will play a more critical role — gross rents minus expenses matter more.

• Your tax & holding costs might increase: Higher property taxes mean you’ll need to model that into your ROI.

• You’ll need to plan ahead: If you’ve been thinking of acquiring multiple revenue properties shortly, this window may be one to act sooner rather than later.

🛠 What you can do now to stay ahead:

1. Review your current portfolio: Are there properties where the rental income is being used to support multiple mortgage applications? If yes, plan now for when the rules change.

2. Update your cash‑flow models: Use net income (rents minus all expenses) instead of just gross rents to assess each property’s viability.

3. Build in margin: With property taxes going up in Calgary and likely elsewhere, build a buffer to account for higher holding costs.

4. Talk to your lender or mortgage broker: Make sure you understand how they will interpret the new rules and how it affects you specifically.

5. Educate your clients (if you’re helping investors): Use this as a differentiator to show you’re ahead of regulatory shifts and can help structure deals accordingly.

💡 Takeaway:
With tighter borrowing rules and higher costs on the horizon, the smartest investment strategy in Alberta will be built on realistic income, sound expense planning, and proactive timing. Use this moment to position yourself strategically — get the right property, under the right structure, at the right time.

The Calgary real estate market is shifting, and selling today requires strategy, insight, and preparation. Here are some key things every seller should consider:

🔹 Pricing Matters

• Correctly pricing your home is more important than ever. A competitive, well-researched price attracts serious buyers and can prevent your home from sitting on the market too long.

🔹 Presentation is Key

• Homes that are staged, decluttered, and well-maintained sell faster and often for more. First impressions matter — inside and out!

🔹 Timing & Marketing

• Even in a balanced market, homes listed at the right time and with strong marketing (professional photos, virtual tours, social media promotion) get noticed quickly.

🔹 Market Knowledge

• Understanding local trends — including which neighborhoods are hot, recent sales data, and buyer behavior — helps you make smarter decisions during negotiations.

💡 Pro Tip: Work with a knowledgeable local realtor to maximize your home’s value and sell with confidence.

If you’re thinking about making a move in Calgary, I can guide you through the process from listing to closing — let’s connect today!

#CalgaryRealEstate #HomeSellingTips #YYCHomes #SellYourHome #ShelleyCorleyRealEstate #MarketUpdate #HomeSellingGuide

Buying a home is exciting, but it’s important to look beyond the surface. Here are some key things to check during a showing:

🔹 Structure & Safety

• Cracks in walls, ceilings, or foundation

• Signs of water damage or mold

• Functioning smoke and carbon monoxide detectors

🔹 Systems & Functionality

• Test faucets, showers, toilets, and appliances

• Check the HVAC, water heater, and electrical panel

• Look for proper insulation and ventilation

🔹 Layout & Storage

• Is there enough space for your lifestyle?

• Closet and storage space

• Natural light and flow between rooms

🔹 Exterior & Outdoor Space

• Roof condition and gutters

• Driveway, fences, and landscaping

• Yard drainage and potential maintenance needs

💡 Pro Tip: Take notes and photos during your showing — it helps when comparing multiple homes!

If you’re thinking about buying in Calgary or Airdrie, I’d love to help you spot the must-know details before making an offer. DM me today!

#HomeBuyingTips #YYCHomes #CalgaryRealEstate #HouseHunting #ShelleyCorleyRealEstate #HomeViewingChecklist #DreamHome