Mortgage & Wealth Strategies
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Beyond The Rate
As expert mortgage brokers, we know building wealth through homeownership and achieving financial freedom is about more than just chasing the lowest rate—it’s about strategy.
We're taking you behind the scenes and giving you the insider tools and powerful strategies to get ahead. If you’re a first-time homebuyer, you’ll find everything you need to secure your first property and start building wealth from day one.
If you’re an existing homeowner, this is where you take control. Maximize the wealth-building potential of your current home with proven strategies for refinancing, leveraging equity, and optimizing your mortgage for bigger opportunities.
Your mortgage is more than a loan—it’s a gateway to long-term financial success.
Our goal is simple: to equip you with the knowledge and tools to make smart, strategic decisions that will transform your financial future.
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Market Commentary – What December’s Numbers Mean for 2025
January 5, 2025 | Posted by: Matt Broom-Hall
Market Commentary – What December’s Numbers Mean for 2025
Happy New Year, everyone! 2025 has arrived, and with it comes a fresh wave of optimism for the real estate market. I’m back, and let me tell you, I’ve been watching the real estate market closely—between bites of turkey, of course.
December was a month full of twists and turns, and now that the glitter of New Year’s Eve has settled, it’s time to break it all down.
Let’s catch up. No, scratch that—let’s sum up.
Edmonton: Closing 2024 with a Bang
Edmonton wrapped up last year in style. Sales jumped 19.1% year-over-year, and inventory fell by 26%, which means buyers were hustling, and sellers were smiling. With fewer homes to go around, the average residential price shot up 12.2% to $417,652.
And let’s not forget row homes and apartments—they saw price increases of 11% and 21%, respectively. If Edmonton’s market were a Netflix show, it’d be trending in the top 10.
Calgary: Steady as She Goes
Meanwhile, Calgary’s December was a mixed bag. Overall sales dipped 2.9%, but don’t let that fool you—detached and semi-detached homes still held their ground. Inventory climbed 38%, giving buyers a bit more breathing room, but the months of supply stayed tight at 2.26, up from last year.
Prices? Oh, they didn’t skip a beat. The median residential price rose 10.1% to $552,750, proving Calgary’s demand is still very much alive. The sales-to-new-listings ratio hit 107%, keeping sellers in a strong position.
2025: The Year of the Real Estate Comeback?
If December’s performance was any indication, 2025 could be a banner year. With the Bank of Canada cutting rates five times in 2024—ending the year with a 0.50% drop—buyers are finally coming off the sidelines. TD predicts home sales will climb 16%, and prices will rise 8% nationwide.
Recent federal changes, like extending the 30-year amortization for first-time buyers and raising the insured mortgage cap to $1.5 million, are already helping affordability. Add to that the removal of the stress test for straight switches, and it’s no wonder experts are calling for a hot spring market.
What Does This Mean for You?
For buyers: Time to dust off that pre-approval. With rates falling and demand heating up, waiting could mean facing stiffer competition and higher prices. Don’t sleep on the spring market—it’s expected to be a busy one.
For sellers: It’s your time to shine. With prices on the rise and buyers eager to secure homes before rates drop further, the first half of 2025 could be a golden opportunity.
Top Tip for the Week:
“Don’t wait for the perfect moment—create it. The best time to act is when you’re ready, not when the market says so.”
Here’s to a year of smart moves and big wins. If you’re ready to dive into 2025’s market opportunities, let’s talk—I’m here to help.
Cheers,
Matt Broom-Hall
Mortgage & Wealth Coach
“Say Hello to the Easiest Way to Mortgage!”