Mindblown: a blog about philosophy.
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Steps to Secure Your 2026 Home Deposit | Discover your path to homeownership with me today.
Set a clear savings goal using a mortgage calculator or broker; aim for at least 5-10% deposit. Compare savings accounts—challenger banks and building societies may offer higher rates than high street banks. Consider account types: easy access, fixed-rate bonds, regular savers, notice accounts, and Lifetime ISAs with 25% bonus. Review income and spending; set up…
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2026 Canadian Housing and Mortgage Predictions
Canada’s housing market faces high borrowing costs and affordability issues. Mortgage renewals increase lender competition, but payment shocks persist despite relaxed rules. Extended amortization aids qualification but not long-term costs. Wage growth offers limited relief, while interest rates depend on markets and policy. Borrowers should focus on mortgage flexibility and realistic affordability. Continue to full…
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What changed in Airdrie’s housing market in 2025 and what will 2026 bring?
Airdrie’s 2025 housing market saw resale inventory rise 81.37% with new listings up 16.38% and sales down 12.51%. New-home inventory more than doubled due to higher completions and fewer units under construction. The benchmark price fell 2.29% to $532,883. Increased supply led to balanced market conditions and less price pressure, with demand normalizing amid slower…
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How to Save Money on Your Mortgage in 2026
Saving money on a mortgage in 2026 requires focusing on the overall strategy, not just the lowest rate. Key factors include comparing mortgage features like prepayment privileges, penalties, and flexibility. Shorter fixed terms, accelerated payments, and prepayments can reduce interest costs. Refinancing may save money if costs are carefully evaluated. Tax incentives and using home…
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CREA Predicts Canadian Housing Rebound by 2026 | Discover your path to homeownership with me today.
2025 to soften slightly with sales down 1.1% and prices dipping 1.4%, mainly due to slowdowns in B.C. and Ontario. Many regions will still see 4–8% price gains in 2025, reflecting strong local demand outside the most expensive provinces. 2026 to rebound sharply: national sales forecast to rise 7.7% and prices 3.2%, reaching about $698K.…
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Five tips for first-time homebuyers
First-time homebuyers can benefit from key advice to navigate the purchasing process. Here are five essential tips: 1. Research thoroughly by asking questions and speaking with current homeowners. 2. Get pre-approved for a mortgage to understand your budget. 3. Utilize a REALTOR® for expert guidance and market insights. 4. Visit properties in person, as online…
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How Can First-Timers in Canada Find the Best Mortgage Rates? | Discover your path to homeownership with me today.
First-time buyers in Canada need clear mortgage guidance amid rising prices and changing interest rates. Government programs like the First-Time Home Buyer Incentive and HBP can reduce upfront and monthly costs. Personalized mortgage advice helps buyers understand true affordability and avoid costly mistakes. Comparing lenders beyond major banks can unlock better rates, flexibility, and lower…
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Airdrie Homebuyers to Benefit from Lower 2025 Prices
The average price of a single detached home in Airdrie dropped 6.4% in 2025 to $599,900. Most Calgary region communities also saw price declines, including Okotoks, Calgary, Cochrane, and Chestermere. Rocky View County's benchmark price was $754,408, and Cochrane's was $648,700. Increased new home competition and more resale supply contributed to higher inventory levels, the…
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ਕੈਨੇਡਾ ਵਿੱਚ ਸਭ ਤੋਂ ਵਧੀਆ ਮੋਰਟਗੇਜ ਦਰਾਂ
2026 ਦੀ ਸ਼ੁਰੂਆਤ ਤੱਕ, ਕੈਨੇਡਾ ਵਿੱਚ ਸਭ ਤੋਂ ਘੱਟ ਫਿਕਸਡ ਮੋਰਟਗੇਜ ਦਰਾਂ ਲਗਭਗ 3.7% ਹਨ, ਜਦਕਿ ਵੈਰੀਏਬਲ ਦਰਾਂ ਕਰੀਬ 3.4% ਹਨ। Big Six ਬੈਂਕ ਆਮ ਤੌਰ 'ਤੇ ਉੱਚੀਆਂ ਦਰਾਂ ਪੇਸ਼ ਕਰਦੇ ਹਨ। ਵੈਰੀਏਬਲ ਦਰਾਂ, Bank of Canada ਦੀ ਥਿਰ ਓਵਰਨਾਈਟ ਰੇਟ ਕਰਕੇ, ਸਥਿਰ ਰਹਿਣ ਦੀ ਸੰਭਾਵਨਾ ਹੈ, ਜਦਕਿ ਸਰਕਾਰੀ ਬੌਂਡ ਯੀਲਡ ਵਧਣ ਕਰਕੇ ਫਿਕਸਡ ਦਰਾਂ…
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Airdrie home prices fall in December as sales rise
Airdrie's total residential benchmark home price fell 6.2% year over year to $511,200 in December 2025. Residential sales rose 15.8% to 85 transactions, while new listings dropped 12.2% to 79. Active inventory increased 23.6% to 304 units, with months of supply at 3.58. Detached home prices rose 6.4% to $599,900. Airdrie accounted for 6% of…
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