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The Complete Timeline of a Home Sale, From Listing to Closing (Calgary Edition)

Selling your home in Calgary? Whether you're upsizing, downsizing, or heading out of the city, it helps to know exactly what to expect from day one to moving day.

Here’s a clear, step-by-step timeline of the home selling process — plus tips along the way to help you stay ahead of the curve.

Step 1: Preparation (1–2 Weeks)

Before your home hits the MLS, we get it ready to shine.

What happens:

  • A walkthrough to assess your home’s condition

  • Professional styling (yes, I provide this with every listing)

  • Deep cleaning, minor repairs, and decluttering

  • Photography, videography, and marketing assets

Tip:
In Calgary’s competitive market, well-presented homes get more showings and stronger offers. Don’t rush this stage—it’s worth it.

📢 Step 2: Listing Goes Live (Day 1)

Your home hits the market and buyers start to notice—fast.

What happens:

  • Your listing appears on MLS, REALTOR.ca, and across social media

  • Showings begin, often within hours

  • Open houses (if appropriate for your home and schedule)

Tip:
Be flexible with showing times—more eyes = more potential offers. And yes, we’ll manage everything so you don’t have to be stressed about logistics.

💬 Step 3: Receiving and Negotiating Offers (Days 3–14)

Depending on market conditions, offers can come in quickly or after a few showings.

What happens:

  • We review all offers carefully (price, conditions, possession date, deposit, etc.)

  • You accept, counter, or reject

  • Once an offer is accepted, the home is considered conditionally sold

Tip:
The highest price isn’t always the best offer. I’ll help you spot red flags and choose the strongest terms overall.

📄 Step 4: Conditional Period (Typically 7–10 Business Days)

The buyer now has time to satisfy any conditions written into the offer.

Common conditions in Calgary:

  • Home inspection

  • Financing approval

  • Review of condo documents (for condos/townhomes)

Tip:
Have your Real Property Report (RPR) with City of Calgary compliance ready—it’s a legal requirement for most sales and can cause delays if it’s missing or outdated.

🔒 Step 5: Going Firm

Once all conditions are met and waived in writing, your home is officially sold.

What happens:

  • The deal becomes legally binding

  • Lawyers start prepping the conveyancing documents

  • You start packing!

Tip:
Stay on top of paperwork and logistics here. Book movers early and arrange your utility disconnections and change of address.

🏁 Step 6: Possession Day (Usually 30–60 Days After Acceptance)

Time to hand over the keys.

What happens:

  • The buyer’s lawyer transfers funds to your lawyer

  • Once confirmed, your REALTOR® delivers the keys to the buyer

  • You celebrate a successful closing!

Tip:
Leave the home in clean, broom-swept condition. A good handoff makes a great impression (and avoids any last-minute issues).

Final Thoughts: Calgary-Specific Advice

  • Market shifts fast. Timing matters. A hot neighbourhood one month can cool down the next—get localized insight before listing.

  • Spring and fall are Calgary’s busiest selling seasons, but well-staged homes sell year-round.

  • Detached homes in family-friendly communities like Tuscany, Auburn Bay, or Evergreen tend to see fast action if priced right.

Thinking of Selling? Let’s Make It Simple.

I don’t just stick a sign in your yard and hope for the best. I guide you through every step—from prep and pricing to negotiating and closing—with a full-service approach and real local expertise.

📞 Curious what your Calgary home is worth? Let’s talk. Reach out today for a free market assessment and customized plan to get your home sold fast and smart.

Stuart Bartwicki

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Real Estate Terms That Sound Confusing but Aren’t!

Let’s be honest—real estate can sound like its own language. If you’ve ever sat in a meeting wondering what a “condition of financing” or “RPR with compliance” actually means, you’re not alone.

But here’s the good news: most of these terms are far less complicated than they seem. So let’s break down a few of the most common ones in Alberta, minus the jargon.

📝 Offer to Purchase

Sounds like: A contract drafted by a team of lawyers.
Actually is: Just your written offer to buy a property.
It includes your price, the deposit, any conditions you want (like financing or inspection), and your proposed possession date.

🏦 Condition of Financing

Sounds like: A loophole for backing out?
Actually is: A safety net for buyers.
It gives you time to confirm your mortgage approval. If the lender doesn’t give you the green light, you can walk away without losing your deposit.

🔍 Home Inspection Condition

Sounds like: A technical report you won’t understand.
Actually is: A licensed inspector checks the home’s structure, roof, plumbing, etc.
If something major comes up, you can negotiate repairs or even back out. It’s peace of mind before you commit.

📃 Real Property Report (RPR) with Compliance

Sounds like: Government paperwork no one wants to deal with.
Actually is: A map of your property showing the boundaries, structures, and any additions like decks or fences.
“Compliance” means the city or municipality confirms everything follows local bylaws. Sellers usually provide this to keep the deal moving.

🧾 Deposit

Sounds like: A down payment.
Actually is: A good-faith payment that shows you’re serious.
It's held in trust by the seller’s brokerage and goes toward the purchase price. If the deal falls through for a valid reason (like a failed condition), you usually get it back.

📅 Possession Date

Sounds like: A suggestion.
Actually is: The day the home becomes officially yours.
You get the keys, the seller gets paid, and it’s all handled by your lawyer. Make sure your moving truck is booked for after you get that confirmation.

⚖️ Conveyancing

Sounds like: Something you'd need a translator for.
Actually is: The legal process that transfers ownership from seller to buyer.
In Alberta, your real estate lawyer handles this—reviewing the contract, transferring funds, and registering the title.

🛑 Conditions vs. Subject-To Clauses

Sounds like: Legalese.
Actually is: In Alberta, we use “conditions,” not “subject to” like they do in BC.
Same idea: these clauses protect the buyer while key steps—like financing or inspections—are completed.

Bottom Line? You Don’t Have to Speak “Real Estate”

That’s my job. My role is to make sure you understand what’s happening at every step—whether you’re buying your first home or selling your third.

I’ve worked with all kinds of clients—from first-time buyers to busy families looking to upsize or downsize—and I know how to keep the process simple, clear, and stress-free.

Ready to Make a Move (Without the Headache)?

Let’s chat. Whether you’ve got questions about the market or just want a straight answer about what your home is worth, I’m here to help.

📞 Send me a message, give me a call, or let’s grab coffee. No pressure—just real advice.

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How to Style a Home to Sell in 48 Hours (Even If You’re Still Living In It)

Selling a home while you’re still living in it—especially with kids, pets, and a packed schedule—can feel like trying to run a marathon in a sprint. But I’ve worked with plenty of families who needed to sell fast, and here’s what I can tell you: it’s absolutely possible to stage your home beautifully in just 48 hours.

The secret? A little strategy, a lot of focus, and the right support.

And yes—I include the help of a professional stylist in every listing package I offer. So you’re never doing this alone.

Why Styling Matters (Especially When Time is Tight)

Styled homes sell faster and often for more money. That’s not hype—it’s backed by data. In today’s market, buyers scroll listings like Instagram. Your home needs to pop, instantly. A clean, styled, and decluttered space creates an emotional connection, and that’s what drives offers.

48-Hour Home Styling Plan for Busy Families

Here’s how we make it happen—quickly, efficiently, and without losing your mind:

Day 1: The Big Reset

Declutter Like a Buyer’s Coming Tomorrow (Because They Are)

  • Box up anything non-essential: toys, personal photos, piles of mail.

  • Stash extras in the garage, trunk, or a storage pod.

  • Think “model home” — warm but not too lived-in.

Deep Clean

  • Scrub bathrooms, wipe windows, vacuum every corner.

  • If time’s tight, I’ll connect you with a reliable cleaning crew.

Neutralize the Space

  • Swap bold bedding or bright towels for clean, neutral ones.

  • Tone down loud wall art or family photo walls.

Day 2: Style and Shine

This is where the stylist comes in.
They’ll help:

  • Rearrange furniture to open up space and create flow.

  • Add soft touches—pillows, plants, throws—for polish.

  • Maximize light by adjusting window coverings and adding lamps.

We’re not aiming for perfection—we’re aiming for impact. We highlight the home’s best features so buyers see potential, not laundry baskets.

Real Talk: You Don’t Have to Do This Alone

I get it. You’re juggling school drop-offs, Zoom meetings, and dinner duty. That’s why when I list a home, I bring in a professional stylist—at no extra cost to you. They take the guesswork (and the stress) out of making your space market-ready.

Whether your timeline is tight or your home is full of life, I know how to stage for speed—and for top dollar.

Ready to List Smart (and Fast)?

If you’re even thinking about selling soon, let’s talk. I’ll walk you through exactly how we’d prep your home—without turning your life upside down.

📞 Call me today, or shoot me a message to schedule a quick consult. Let’s make this sale smooth, fast, and worth it.

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Why I Started Club Collective—And Why You’ll Want to Be in It.

Let’s face it—real estate can sometimes feel transactional. You buy or sell a home, shake hands, and move on. But that’s never been how I see it.

Over the years, I’ve been lucky enough to work with some truly incredible people. Many of you have trusted me with multiple transactions, referred me to your family and friends, or simply shown up with support, encouragement, or a kind word. You’re the heart of my business—and I wanted a way to say a more meaningful thank you.

That’s where The Collective Club comes in.

So, what is The Collective Club?

It’s my way of giving back to the VIPs—my most valued clients, my repeat buyers and sellers, my biggest cheerleaders. If you’ve been part of my journey, you’re part of this exclusive circle. And as a member, you’ll be treated to some pretty great perks.

Here’s what you can expect:

  • Early access to events like pub quizzes, wine tastings, and our signature “Shuck and Sip” oyster nights—before they’re opened up to the public.

  • Gifts and surprises throughout the year—just because.

  • Special offers and sneak peeks at listings and investment opportunities.

  • The chance to bring friends and family along to events so the good times can keep growing.

  • A place on the Collective Club Referral Team—which means every referral you send my way earns you a special thank you.

Why did I create this?

Because real estate isn't just about homes—it's about people. And I never want you to feel like your relationship with your Realtor ends at possession day. Whether you need advice on your property value, a contractor recommendation, or just an invite to something fun happening in town—I’m your guy.

The Collective Club is about building a community around trust, appreciation, and shared good times. It’s something I’m truly proud of, and it’s just getting started.

If you’re already a member—welcome aboard. If you’re not yet—stick around. Big things are coming.
And as always, if you have questions about real estate, life, or what Whisky pairs best with dark chocolate, just reach out.

See you at the next event,
Stuart Bartwicki

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What Buyers and Sellers Should Know Post-Election in Calgary’s Real Estate Market.

As the dust settles following Canada’s federal election, and with the possibility of new tariffs looming, many Calgarians are feeling uncertain about their next move in the real estate market. Whether you're considering buying your first home, upgrading, or selling, it’s understandable to feel hesitant in the current climate.

The good news? With the right information and a clear understanding of your goals, this market still presents opportunities—and not just challenges. Here’s some quick, unbiased advice.

Understanding the Landscape

Let’s break down what’s happening:

  • Election Impact: This is tricky as it will take time to really understand the impact of the re-elected government, and broader housing policies—like supply-side measures and development incentives—will take time to roll out. 

  • Tariff Uncertainty: Talk of increased tariffs on imported materials (like lumber and steel) is creating concern around construction costs. This could potentially slow new housing development or push prices up on new builds in the coming months.

  • Interest Rates & Demand: While interest rates are expected to stabilize or drop slightly, buyer demand remains steady, particularly in affordable segments. Calgary continues to be one of the most cost-effective major cities in Canada for real estate.

If You’re a Buyer

1. Take Advantage of Current Incentives
If you’re a first-time buyer, take advantage of any home buyer incentives. Combine that with lower-than-average home prices in Calgary, and you have a rare opportunity to enter the market more affordably.Non-first time buyers currently have more options to choose from as the inventory levels have risen significantly. I suggest acting on this promptly as buyer demand will likely increase further, eating into the current inventory. 

2. Secure Your Financing Early
In uncertain times, pre-approvals are your best friend. Locking in a rate now can protect you against unexpected changes in the lending environment. This is crucial. 

3. Think Long-Term
Don’t try to time the market. If the home you’re buying fits your needs and budget, and you plan to stay in it for a while, slight market fluctuations won’t matter much in the long run.

If You’re a Seller

1. Focus on Presentation
With buyers feeling cautious, your home needs to stand out. Invest in staging, decluttering, and simple upgrades like fresh paint or lighting—these small steps can yield significant ROI.

2. Price Strategically
Now more than ever, accurate pricing is critical. Overpricing your home could cause it to sit longer than necessary, while competitive pricing can generate strong interest—even in uncertain times.

3. Know That Demand Is Still There
Inventory levels in Calgary remain relatively tight, especially for homes under $700,000. Buyers are still active, and well-priced, well-presented homes are still selling quickly.

Final Thoughts: Confidence Through Clarity

Yes, there’s uncertainty. But uncertainty shouldn’t mean inaction—it means being informed and strategic. Whether you’re buying or selling, now is the time to get clear on your goals, understand the current dynamics, and move forward with confidence.

If you’re feeling unsure about what the recent election results or tariff talk might mean for your real estate plans, I’m here to help. Let’s chat about your situation and walk through your options.

📞 Call or text me at 403-479-8990, or send an email to stuart@therecyyc.ca.
I’m always happy to help you make smart, confident decisions—whatever the market is doing.

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How Tariffs Could Impact the Calgary Real Estate Market — And What You Can Do About It

As global economic tensions ebb and flow, tariffs are once again making headlines — but what do they mean for local markets, especially real estate in a dynamic city like Calgary?

While the word "tariff" might conjure images of international trade disputes, these economic tools can trickle down in surprising ways — influencing material costs, construction timelines, and even home prices. Here’s how they might impact Calgary’s housing market in 2025 and what buyers and sellers should know.

🔍 What Are Tariffs — and Why Should Calgary Homeowners Care?

Tariffs are taxes or duties imposed on imported goods. For example, if Canada imposes tariffs on imported lumber, steel, or electrical components — or if countries Canada trades with do the same — the prices of these goods rise.

In real estate, construction and renovation are particularly sensitive to these changes, since they rely heavily on imported materials. The cost to build or improve a home can rise, which may influence housing supply, new home prices, and resale value.

🏗️ How Tariffs Are Affecting the Market Right Now

While Canada doesn’t currently have broad new tariffs in place in Q1 2025, uncertainty around trade relations with the U.S. and Asia — particularly in sectors like steel, concrete, and lumber — has caused supplier pricing to increase by 3.1% year-over-year, according to Statistics Canada.

Alberta-specific insights:

  • The average construction cost for a new single-family home in Calgary has risen 5.8% since April 2024, driven mainly by increased material costs and longer delivery times.

  • New home starts in Calgary dropped by 2.7% in Q1 2025, according to CMHC, partially due to elevated input costs.

  • Benchmark home price in Calgary: $571,300 (as of March 2025, CREB) — still up 6.2% year-over-year, indicating market resilience despite inflationary pressures.

While these increases may sound concerning, they point to a more nuanced reality — Calgary’s market remains fundamentally strong, thanks to steady in-migration, job growth in tech and energy, and ongoing affordability relative to markets like Vancouver and Toronto.

👥 Advice for Buyers: Be Strategic, Not Spooked

While rising construction costs may deter some builders, this can create unique opportunities in the resale market. Here’s what buyers should consider:

✔️ Look for value in well-maintained existing homes.

With new builds facing price pressures, resale properties with recent renovations offer excellent value — especially if upgrades were completed before material costs surged.

✔️ Get pre-approved — and locked in.

Interest rates are expected to ease slightly by mid-2025 (per BMO Economics), so now is a great time to secure a mortgage rate before they dip or spike again due to global market fluctuations.

✔️ Work with a local expert.

Tariff impacts are subtle and often reflected in listing prices and time-on-market trends. A local REALTOR® can help you identify smart buys in a shifting landscape.

💼 Advice for Sellers: Use Upgrades and Timing to Your Advantage

If you’re thinking of selling in 2025, you’re still in a seller-favorable market — especially in Calgary’s desirable neighbourhoods like Pump Hill, Altadore, or Mahogany.

✔️ Highlight recent renovations.

With the rising cost of materials, homes with modern kitchens, updated roofing, and energy-efficient windows are in high demand. Market these as “cost-saving features” for buyers who don’t want to renovate.

✔️ Price competitively but confidently.

The benchmark home price in Calgary is still up over 6% year-over-year, but buyers are watching their budgets. Pricing strategically can generate competitive offers.

✔️ Leverage curb appeal and outdoor spaces.

With higher costs to install decks, fences, or landscaping, move-in-ready exteriors are a major plus. This is a great year to emphasize your home’s lifestyle features.

📈 The Outlook: Still Bright for Calgary

Despite pressures from tariffs and global inflation, Calgary’s real estate market remains one of the strongest and most stable in Canada.

The city’s balanced growth, relative affordability, and diversified economy are creating a market that’s resilient yet full of opportunity. And while tariffs may influence materials and construction in the short term, smart buyers and sellers can navigate this with confidence and creativity.

✨ Final Thought

Tariffs may impact materials — but they don’t have to derail your real estate goals. Whether you're buying your dream home or selling a beloved one, Calgary offers a wealth of opportunity. With the right strategy and guidance, 2025 could be your best move yet.

If you would like more information on how this could affect your properties value, please contact me below. 

Stuart Bartwicki

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Spring Market: A Sellers Playground?

Historically, spring is the best time to sell a home in Calgary. Why? Because buyers are actively looking, and the market heats up after a slow winter. But what about Spring 2025?

Here’s what’s happening:

Low Inventory = Less Competition – Right now, Calgary’s housing inventory is lower than usual, which means fewer homes for buyers to choose from. If demand stays strong (which it is), sellers are in a great position to command higher prices.

Interest Rates & Affordability – Mortgage rates are still a key factor. If rates remain steady or drop slightly, more buyers will jump into the market, increasing demand and pushing prices up.

Spring Fever is Real – Buyers love shopping in the spring. The weather is nicer, homes show better, and families want to move before the next school year starts. If you want motivated buyers, this is the time to attract them.

What Does This Mean for Calgary Sellers?

If you’re on the fence about selling, here’s what you should consider:

📈 Your Home’s Value Might Be at a Peak – With strong demand and limited listings, your home could be worth more than you think. A comparative market analysis (CMA) can give you a clear picture.

🏡 Curb Appeal is at Its Best – Spring means your home looks its absolute finest—green grass, fresh flowers, and sunshine do wonders for first impressions.

Timing is Everything – If you wait too long, more sellers may enter the market, increasing competition. The best time to list? Before the summer slowdown hits.

Maximize Your Sale Price: Pro Tips

If you want top dollar for your home this spring, here’s how to make it happen:

💡 Declutter & Stage – Buyers need to see themselves in your home. A fresh, neutral look sells faster.

📸 Professional Photos & Video – Listings with great visuals attract more buyers and get more showings.

🏡 Price it Right – Overpricing = sitting on the market. Underpricing = leaving money on the table. The key is a smart, strategic listing price.

🔑 Work with a Pro – A strong marketing strategy, negotiation skills, and experience in Calgary’s real estate market can mean the difference between a good sale and a GREAT sale.

So, Should You Sell Now?

If you want to maximize your home’s value while demand is strong and inventory is low, YES—now is a fantastic time to sell.

But the window of opportunity won’t stay open forever. The best way to know if now is the right time for your home? Let’s chat. I can provide a free home evaluation and help you determine the best strategy for your situation. Contact me for a free home selling consultation.

Stuart Bartwicki 

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Why an Experienced Real Estate Agent is Worth More Than a Discount Brokerage

In the world of real estate, it’s tempting to look for ways to cut costs, especially when it comes to commission fees. Discount brokerages often market themselves as a way to save thousands in commission, but what they don’t tell you is that you could be leaving significantly more money on the table. While their fees may be lower upfront, an experienced real estate agent can help you net more in the long run.

The Numbers Don’t Lie: Experienced Agents Deliver Higher Profits

The National Association of Realtors (NAR) reports that homes sold with a full-service agent sell for 13% more on average than those sold by owners or discount brokerages. When you consider that a 13% price difference on a $400,000 home equals an additional $52,000, it quickly becomes apparent that the so-called “savings” of a discount brokerage are minuscule in comparison.

The Real Value of an Experienced Real Estate Agent

  1. Expert Pricing Strategy
    A discount brokerage may list your home based on generic market data, but an experienced real estate agent uses local expertise, market trends, and in-depth comparative analysis to price your home strategically. The right price attracts serious buyers and maximizes your final sale price.

  2. Superior Marketing Power
    Full-service agents invest in professional photography, videography, staging, and high-visibility online listings to showcase your home in the best possible light. Discount brokerages often rely on minimal exposure, which can mean fewer buyers and lower offers.

  3. Skilled Negotiation
    Selling a home isn’t just about finding a buyer; it’s about securing the best possible price and terms. An experienced agent is a skilled negotiator who knows how to handle counteroffers, navigate inspections, and ensure you get top dollar while protecting your interests.

  4. Guidance Through the Entire Process
    Real estate transactions are complex, with numerous contingencies, legal documents, and timelines to manage. A full-service agent ensures every detail is handled correctly, reducing stress and avoiding costly mistakes that can arise with discount brokerages.

  5. Access to a Network of Serious Buyers
    A seasoned agent has an established network of pre-qualified buyers, agents, and industry connections to create demand for your property. The more demand, the higher the potential selling price.

Why Paying a Higher Commission is a Smart Investment

It’s natural to want to save money on commissions, but when you hire an experienced agent, you’re investing in expertise that leads to higher returns. A discount brokerage may charge less in fees, but if your home sells for significantly less, you’re ultimately losing money, not saving it.

Even with a higher commission, the experienced agent nets you significantly more profit. That’s money in your pocket, not lost to the “savings” of a discount brokerage.

Don’t Settle for Less – Choose an Expert

Selling your home is one of the largest financial decisions you’ll make. Choosing a discount brokerage might seem appealing upfront, but in reality, an experienced real estate agent will help you sell for more, negotiate better, and guide you through the process with confidence.

If you’re thinking of selling and want to maximize your home’s value, let’s talk! Contact me today for a free home evaluation and strategy session. Your home deserves the best – and so do you.

Stuart Bartwicki - stuart@thereyyc.ca

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Understanding your City of Calgary’s Property Assessment: What Every Homeowner Should Know

Every year, Calgary homeowners receive their property assessment notice from the city, detailing the assessed value of their home for taxation purposes. But what exactly does this assessment mean, and how does it impact you as a homeowner? More importantly, how does it compare to the true market value of your home?

In this guide, we’ll break down the property assessment process, what it means for your taxes, and what to do if you believe your assessment is incorrect.

What is the City of Calgary’s Property Assessment?

The City of Calgary conducts an annual property assessment to determine the value of homes for the purpose of calculating property taxes. The assessment is based on:

📅 Market conditions as of July 1 of the previous year
🏡 Physical characteristics of your home as of December 31 of the previous year
📍 Comparable sales in your area

The Municipal & Provincial Tax Rates – The City sets a municipal tax rate based on its budget needs, and the Province of Alberta sets an education tax rate to fund schools. These rates are expressed as "mills" (mill rate = tax per $1,000 of assessed value).

Formula for Property Tax Calculation:

📌 (Assessed Property Value) × (Total Tax Rate) = Property Taxes Owed

For example, if your home is assessed at $500,000 and the total tax rate is 0.0075 (7.5 mills):
$500,000 × 0.0075 = $3,750 in annual property taxes.

The City adjusts tax rates yearly to balance revenue needs. If your assessed value increases more than the city-wide average, your taxes may rise. If it increases less than average, your taxes could decrease.

The assessment is designed to estimate what your property may have been worth on the open market, but it is not necessarily a reflection of your home’s true real estate value today.

How Does Your Property Assessment Affect Your Taxes?

Your property taxes are calculated based on your assessed value and the city’s tax rate. If your assessed value increases, your property taxes may go up—but not always. The City adjusts tax rates to ensure overall municipal revenue remains stable.

🔹 If your property value increases more than the city-wide average, your taxes may go up.
🔹 If your property value increases less than the city-wide average, your taxes may go down.
🔹 If your property value stays the same but the tax rate increases, you may still pay more in property taxes.

Is Your Property Assessment the Same as Market Value?

No, your property assessment is NOT necessarily the true market value of your home.

The assessed value is based on city-wide data and trends from the previous year, which means it doesn’t account for the latest market changes, renovations, or unique property features that could affect your actual selling price.

For example:
✔️ If the real estate market has surged or declined since July 1, your home’s true market value may be very different from the city’s assessment.
✔️ If you’ve upgraded your kitchen or added a basement suite, the city may not fully account for these changes in its valuation.
✔️ If your neighbourhood has become more desirable or, conversely, experienced a downturn, the assessment may not accurately reflect the current market demand.

If you want to know your home’s true market value, a professional real estate evaluation is your best option.

What If You Disagree with Your Property Assessment?

If you believe your assessment is too high or inaccurate, you have the right to appeal. Here’s what to do:

1. Review Your Assessment Carefully

✅ Compare it to similar homes in your area.
✅ Check that all property details (size, number of rooms, lot size, etc.) are correct.

2. Contact the City for an Explanation

Before filing a formal complaint, call the City of Calgary’s Assessment Office. They can explain how they arrived at your home’s value and make adjustments if a mistake was made.

3. File a Formal Complaint (If Necessary) - You can do so here - https://www.calgary.ca/property-owners/taxes/complaints.html

📅 Deadline: Property assessment complaints must be filed within 60 days of the assessment notice date.
📑 How to File: Submit your complaint to the Assessment Review Board (ARB) with supporting documents, such as comparable sales data or a professional appraisal.

Final Thoughts: Stay Informed & Know Your Home’s True Value

Your property assessment affects your taxes but does not define your home’s true market value. Whether you’re looking to buy, sell, or simply understand your home’s worth, it’s always best to consult with a real estate expert who can provide a current, in-depth market evaluation.

If you have questions about your property’s value or need guidance in navigating the assessment process, reach out today—I’d be happy to help!

Contact

Stuart Bartwicki - 403-479-8990

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How to Navigate Calgary’s Real Estate Market as a First-Time Buyer

Buying your first home is an exciting milestone—but it can also feel overwhelming, especially in a dynamic market like Calgary. From understanding mortgages to finding the right neighbourhood, there’s a lot to consider. If you’re a first-time buyer looking to enter the Calgary real estate market, this guide will walk you through the essentials to help you make confident and informed decisions.

1. Get Pre-Approved for a Mortgage

Before you start searching for your dream home, the first step is mortgage pre-approval. This helps you determine how much you can afford and shows sellers that you’re a serious buyer.

🔹 What You Need for Pre-Approval:
✅ Proof of income (pay stubs, tax returns)
✅ Employment verification
✅ Credit score check
✅ List of debts and assets

A mortgage pre-approval will give you a clearer picture of your budget and prevent you from falling in love with homes outside your price range.

2. Take Advantage of First-Time Buyer Incentives

As a first-time homebuyer, you have access to several government programs that can help make your purchase more affordable:

🏡 First-Time Home Buyer Incentive (FTHBI) – This federal program allows eligible buyers to receive a 5% or 10% shared equity loan from the government, reducing monthly mortgage payments.

💰 Home Buyers’ Plan (HBP) – You can withdraw up to $35,000 from your RRSPs tax-free to use as a down payment.

🏦 First-Time Home Buyers’ Tax Credit (HBTC) – A tax credit worth up to $1,500 to help offset closing costs.

These incentives can make a big difference in reducing the financial burden of buying your first home.

3. Choose the Right Neighbourhood

Calgary has a wide variety of neighbourhoods, each with its own unique vibe and price range.

🏙️ Urban Living (Beltline, Kensington, East Village) – Ideal for young professionals who want to be close to downtown, restaurants, and nightlife.

🏡 Family-Friendly Communities (Evanston, Mahogany, Seton) – Great for first-time buyers looking for larger homes, parks, and good schools.

💰 Affordable Starter Homes (Temple, Dover, Ogden) – Perfect for budget-conscious buyers who want value for money.

When choosing a neighbourhood, consider factors like commute times, local amenities, schools, and future resale value.

4. Understand the Costs Beyond the Purchase Price

Many first-time buyers focus only on the purchase price, but there are additional costs to factor into your budget.

💵 Closing Costs – These can range from 1.5% to 4% of the home price and include legal fees, land transfer tax, and home inspections.

🏠 Property Taxes – Calgary property taxes vary based on location and home value.

🛠️ Home Maintenance & Utilities – Budget for repairs, renovations, and monthly bills like electricity, water, and internet.

Planning for these expenses will ensure you’re financially prepared for homeownership.

5. Work with a Knowledgeable Real Estate Agent

Navigating the Calgary real estate market alone can be challenging, especially for first-time buyers. As a skilled real estate agent I will:

✔️ Help you find homes that match your needs and budget
✔️ Negotiate the best deal on your behalf
✔️ Guide you through paperwork and legal requirements
✔️ Provide insights on market trends and property values

A good agent makes the home-buying process smoother and ensures you avoid costly mistakes, and it doesn’t cost you a penny. 

6. Be Prepared to Act Fast

Calgary’s real estate market can move quickly, especially for well-priced homes in desirable areas. When you find a home you love, be ready to make an offer.

Tips for Making a Strong Offer:
📌 Have your mortgage pre-approval ready
📌 Be flexible with your possession date
📌 Include conditions (home inspection, financing) but keep them reasonable

A well-structured offer can help you secure the home you want without unnecessary delays.

Final Thoughts: Start Your Home Buying Journey with Confidence!

Buying your first home in Calgary is an exciting step, and with the right strategy, it can be a smooth and rewarding experience. By getting pre-approved, leveraging first-time buyer incentives, choosing the right neighbourhood, and working with an experienced real estate agent, you’ll be well on your way to homeownership.

🏡 Ready to start your home search? I’d love to help guide you through the process. Reach out today, and let’s find your perfect first home in Calgary!

Stuart

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Calgary Luxury Real Estate: Is High-End Property Still a Good Investment?

Calgary’s luxury real estate market is a world of breathtaking homes, jaw-dropping views, and timeless sophistication. From the rolling estates of Springbank Hill to the sleek penthouses overlooking the vibrant Beltline, high-end properties here offer more than just a place to live—they’re a lifestyle statement. But the big question is: are these properties still a good investment in today’s market?

The answer, in short, is yes—but let’s explore why.

The Market for Luxury in Calgary

Calgary’s luxury market has proven to be resilient, even in fluctuating economic climates. As Alberta’s economy diversifies and the city’s appeal continues to grow, high-end properties remain in demand. Buyers are drawn to Calgary’s unique combination of urban energy and access to pristine natural landscapes, making it a magnet for local professionals, wealthy investors, and international buyers alike.

Over the past few years, we’ve seen increased interest in sprawling estate homes with space for home offices and wellness areas, as well as centrally located condos that offer walkability to the best of Calgary’s nightlife, dining, and cultural hubs. These trends underscore a significant point: luxury buyers want properties that enhance their lifestyles—and they’re willing to pay for it.

Why High-End Properties Still Shine

  1. Location Matters: Neighbourhoods like Aspen Woods, Britannia, and Mount Royal continue to command premium prices thanks to their exclusivity, stunning architecture, and proximity to top schools, amenities, and green spaces.

  2. Lifestyle Appeal: Luxury properties in Calgary often boast high-tech features, custom designs, and premium finishes, ensuring they retain their allure over time.

  3. Investment Stability: While all markets have ups and downs, high-end real estate often weathers economic shifts better than mid-tier markets. With the right property in the right neighborhood, you’re not just buying a home—you’re securing a long-term asset.

What Should Buyers and Investors Know?

For those considering a luxury property in Calgary, timing and expert advice are crucial. Inventory in this market can be limited, and competition for standout homes is fierce. Additionally, factors like rising interest rates may impact how you structure your investment. Working with a knowledgeable real estate professional ensures you stay ahead of market trends and secure the best deal possible.

Your Next Step into Luxury Living

Whether you’re looking for a private estate surrounded by Calgary’s natural beauty or a chic penthouse in the heart of the city, now is the time to explore what Calgary’s luxury real estate market has to offer. With its undeniable lifestyle appeal and strong investment potential, high-end property in Calgary is more than just a purchase—it’s a statement.

Ready to step into Calgary’s luxury market? Contact me today to explore exclusive listings and discover your dream home. Let’s start your luxury journey today.

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Selling your Calgary Home in the winter: Some quick tips

Selling your home in the winter? It might sound chilly, but with the right preparation, it can be a warm and welcoming experience for potential buyers. Winter in Calgary has its challenges (hello, snowdrifts!), but it also offers opportunities to make your home stand out. Here are five quick tips to ensure your home shines, even when the sun might not be.

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Here’s 5 quick tips to help get your home Sold in the WINTER.

1. Use Summer Photos

Nothing says “dream home” like lush green lawns and sunny skies! If you’ve got summer photos of your property, now’s the time to show them off. Calgary winters are beautiful, but not everyone can envision the backyard BBQ potential under a blanket of snow. Including a mix of summer photos in your listing can help buyers see the full potential of your home—year-round.

2. Keep All the Lights On

The sun goes to bed early in winter, but that doesn’t mean your home should feel dark and dreary. Brighten things up by turning on every light in the house during showings. From overhead lights to cozy lamps, a well-lit home feels warmer, more inviting, and more spacious. Bonus points for swapping out old bulbs with warm-toned LEDs—they're energy-efficient and create a cozy glow.

3. Stay on Top of Snow Removal

A driveway full of snow and an icy walkway? Not a great first impression. Keep your driveway, sidewalks, and any exterior paths free of snow and ice. Sprinkle some salt or sand for extra traction. A clear and safe path shows buyers you care about the home’s upkeep—and keeps them focused on your property, not their footing.

4. Winterize Your Pipes

Burst pipes are a wintertime nightmare. Take steps to winterize your plumbing by insulating any exposed pipes, especially in colder areas like the basement or garage. If your home has outdoor faucets, make sure they’re turned off and drained. A little preparation can go a long way in giving buyers confidence that your home is as solid as it looks.

5. Keep Entryways Clear and Use Mats

Winter boots, slushy footprints, and soggy rugs don’t exactly scream “welcome home.” Keep the entryways clean, tidy, and well-organized. Use durable mats for guests to wipe their shoes and provide a spot for them to leave their footwear. A tidy entryway creates a great first impression and sets the tone for the rest of the showing.

Ready to Make Your Winter Sale a Success?

Selling your home in the winter might require a little extra effort, but it can absolutely pay off. By following these tips, you’ll ensure your Calgary home is warm, welcoming, and ready to wow potential buyers—even when the temperatures drop.

Thinking about selling this winter? I’d love to help! Reach out today for a personalized consultation and let’s make your winter sale a success.

Stuart Bartwicki - 403-479-8990 - stuar@therecyyc

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Data is supplied by Pillar 9™ MLS® System. Pillar 9™ is the owner of the copyright in its MLS®System. Data is deemed reliable but is not guaranteed accurate by Pillar 9™.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.