How to Buy a House in Calgary, Alberta, Canada in 2023 | Step by Step Guide

Calgary Lifestyle Guide

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Everything you MUST know before buying your first house in Calgary, Alberta, Canada. Learn all the First-Time Home Buyer Tips and Advice here.
▶️ Read the full blog post on this topic on my blog + use the Mortgage Calculator: https://calgarylifestyleguide.com/8-things-you-must-have-before-buying-your-first-home-in-calgary-alberta-canada/
━━━━━━━━━▼ ABOUT THIS PODCAST▼━━━━━━━━━
Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary. I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber.
Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel, and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com
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#FirstTimeHomeBuyer #MovingtoCalgary #CalgaryRealEstate #CalgaryRealtor
THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥
Anastasia Dvorak
Real Estate Agent/Realtor
CIR REALTY, Calgary, Alberta
Serving Calgary and the surrounding area
Text me: 403.835.6913
Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it's better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide
Book an Appt: https://calendly.com/calgarylifestyleguide
Email me: [e-mail] (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)
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THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥

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1. How to Buy a House in Calgary, Alberta, Canada in 2023 | Step by Step Guide (00:00:00)

2. 1. Full-time Permanent (not temp) job or steady self-employment or part-time income (00:00:56)

3. 1.2 Why you shouldn't buy a new car + switch jobs... (00:01:28)

4. 1.1 I work part-time. Can I get a mortgage? (00:02:40)

5. 1.3 I am self-employed. Can I get a mortgage? (00:03:13)

6. 1.4 I am unemployed. Can I get a mortgage? (00:03:56)

7. 2. Good Credit Score and why it's important (00:04:43)

8. 3. Downpayment: how much and how little can you put (00:07:12)

9. 3.1 Why it's a good idea to put 20% down payment towards your home (00:07:27)

10. 3.2 Mortgage Insurance (CMHC) explained (00:07:35)

11. 3.3 If you can't put 20% down, then what can you do? (00:08:00)

12. 3.4 What is the minimum down payment in Calgary, Alberta, Canada? (00:08:39)

13. 3.5 Amazing FREE mortgage scenario calculator for Alberta (00:09:07)

14. 4. Why you should stay for at least 5-7 years (00:09:20)

15. 5. Mortgage Pre-approval: why it's important + why you should start early (00:10:59)

16. 5. (a) Choosing a Bank vs Mortgage Broker (00:13:26)

17. 6. Calgary Real Estate Market Explained: Seller's vs Buyer's Markets explained (00:15:10)

18. 6.1 Calgary Spring 2021 Hot Seller's Market Explained (00:15:45)

19. 6.2 Buyer's Market Explained (00:16:27)

20. 6.3 Even if your offer is great, the seller is not obligated to sell to you (00:19:09)

21. 6.4 My story about how I represented buyers in a multiple offer situation with a lower offer and we still won the house - why? (00:19:15)

22. 6.5 Philosophy behind my method (00:20:19)

23. 6.6 My advice for multiple-offer situations (00:21:46)

24. 6.7 Why it's not always about the money (00:22:09)

25. 6.8 Real Estate as a job - what it's like (00:22:22)

26. 6.9 Calgary Real Estate has its own seasons (00:23:22)

27. 6.10 How do Realtors determine property prices? (00:23:58)

28. 6.11 Should you renovate your house in order to sell your place? (00:25:37)

29. 7. Understand what type of property can you buy in Calgary (00:26:15)

30. 8. Shortcut to finding the best home that works for you (00:27:40)