I’m excited to share that my listing at 4168 Windsong Blvd SW in Airdrie is now conditionally sold—and it’s a perfect case study of what’s happening in the detached housing market right now.

Detached Market Snapshot – Last 7 Days

Looking at the most recent 7-day activity for detached homes in Airdrie, we’re seeing clear signs of momentum:

• 33 new listings came to market

• 23 homes went pending

• 21 homes sold

• 18 price decreases

This tells us two important things:

1. Buyers are active and making decisions

2. Homes that are priced correctly are selling

While some sellers are adjusting pricing to stay competitive, the number of pending and sold properties shows that demand is very real—especially for homes that are well positioned from the start.

❄️ Selling in January: A Smart Move

January often gets overlooked as a selling month, but in reality it can be one of the most strategic times to list. Buyer competition is typically lower than in spring, yet the buyers who are shopping now are serious, qualified, and motivated.

The conditional sale of 4168 Windsong Blvd SW reinforces an important message:
➡️ Great pricing + strong marketing + the right strategy = results, even in winter.

Thinking of Selling?

If you’re considering selling in Airdrie or Calgary this winter or early spring, now is the time to start planning. Understanding market data, buyer behaviour, and pricing trends is key—and that’s where experience makes the difference.

If you’d like a personalized market breakdown or want to discuss the best timing and pricing strategy for your home, I’m always happy to help.

Reach out anytime to start the conversation.

Adrienne McGarvey REALTOR

2% Realty Calgary

403.801.2012

Written by Adrienne McGarvey | Calgary & area Real Estate Expert

Bank of Canada Interest Rate Announcement — January 28, 2026 Update

Ottawa, Jan. 28, 2026 — In its first major announcement of the year, the Bank of Canada (BoC) has chosen to hold its key policy interest rate at 2.25%. This outcome was widely anticipated by economists and reflected in market pricing leading into today’s release.

What the Bank of Canada Decided

At its January 28 decision, the Bank of Canada decided to keep its benchmark overnight lending rate unchanged at 2.25%. The move comes amid ongoing uncertainty in global trade and economic forecasts, with inflation remaining reasonably close to the Bank’s 2% target.

Bank Governor Tiff Macklem and the Governing Council emphasized that while current monetary conditions support stable inflation and moderate growth, unpredictable factors — especially trade tensions — make future rate changes harder to forecast.

This marks the second consecutive policy decision in which the BoC held the rate steady, following a cycle of cuts throughout 2025.

What This Means for Borrowers

1. Prime Lending Rate Remains Stable
The prime rate in Canada — which most major banks use as the baseline for pricing variable-rate financial products — remains at 4.45%. This rate moves in lockstep with the Bank of Canada’s policy rate and is what variable-rate mortgages, lines of credit, and personal loans are often pegged to.

2. Variable Mortgage Rates
Because prime remains unchanged, variable-rate mortgage holders will see no immediate change to their interest costs as a result of this announcement. That means monthly payments tied to prime should continue at current levels until the BoC adjusts its policy rate.

3. What’s Next?
The Bank of Canada’s next scheduled interest rate decision will be March 18, 2026. Markets will be watching for any shifts in guidance — especially if inflation or economic growth data diverges from expectations.

Why the Bank Held Rates

Economists point to several factors influencing today’s hold decision:

• Inflation has been broadly in or near target ranges without sharp acceleration.

• The economic outlook remains mixed, with trade uncertainty weighing on key sectors.

• Recent data suggests growth is moderate, not requiring immediate tightening or easing.

Overall, this announcement signals a period of rate stability for borrowers and markets alike — at least for the first quarter of 2026.

If you want help understanding what this rate decision means for your new home purchasing plans, feel free to reach out.  I have some great recommendations for mortage brokers and lenders.

Adrienne McGarvey

403.801.2012 (call or text)

adrienne.mcgarvey@2percentrealty.ca

How Selling with 2% Realty Works 

One of the most common questions I hear from sellers is:
“How does commission work when selling with 2% Realty?”

The short answer? It’s simple, transparent, and designed to save you money—without sacrificing service.

The 2% Realty Commission Model Explained

When you sell your home with 2% Realty, the total commission is:

✔️ 2% of the final sale price

That commission is typically divided as follows:

• 1% to the listing brokerage

• 1% offered to the buyer’s brokerage

This structure allows your home to be fully exposed on the MLS system, marketed to all buyer agents, and shown just like any other listing—while significantly reducing your overall selling costs.

What Is a Common Commission Structure in Alberta?

In Alberta, a commonly used commission model is:

• 7% on the first $100,000, and

• 3% on the remaining balance

That total commission is usually split:

• 50% to the listing brokerage

• 50% to the buyer’s brokerage

On higher-priced homes, this can add up to tens of thousands of dollars in commission.

Commissions Are Always Negotiable

It’s important to know that real estate commissions in Alberta are fully negotiable. There is no “one-size-fits-all” approach.

With 2% Realty, sellers also have the flexibility to offer custom compensation to the buyer’s brokerage, depending on their goals and the market.

Some options include:

• A flat fee offered to the buyer’s brokerage

• 3.5% on the first $100,000 + 1.5% on the remainder

• Or another structure tailored to your specific situation

This flexibility can help attract buyers while still keeping your overall costs lower than traditional models.

Why Sellers Choose 2% Realty

✔️ Significant commission savings
✔️ Full MLS exposure and professional marketing
✔️ Flexible commission options
✔️ Clear, upfront pricing with no surprises

You don’t have to choose between saving money and getting full service—you can have both.

Thinking About Selling?

If you’re curious what selling with 2% Realty would look like for your home, I’m happy to walk you through the numbers and your options.

Reach out today for a free, no-obligation home evaluation and commission breakdown.

Selling smart starts with understanding your choices.

Real estate isn’t just my career — it’s been a lifelong passion that has shaped who I am and how I serve my clients today.

I was born in Calgary but raised in the UK, where my journey in real estate began earlier than most. At just 19 years old, I purchased my very first home. That early step into homeownership sparked a lasting interest in property, renovation, and the long-term power of real estate as an investment.

From Renovations to Real Estate Strategy

In the UK, I gained hands-on experience renovating properties, learning firsthand how smart improvements can add real value. After earning a degree in Marketing, I made the move back to Calgary in 2006 — a city I’ve proudly called home ever since.

Since returning, I’ve been deeply involved in Calgary’s real estate landscape:

• Real estate investor and landlord

• West Calgary homeowner for over 18 years

• Worked with Calgary real estate developers since 2006 in sales, marketing, and warranty

This behind-the-scenes experience gave me a unique, well-rounded understanding of the market — from how homes are built and marketed, to how they perform long after possession day.

Turning Experience Into Results for Clients

Becoming a Realtor was a natural next step. I wanted to take everything I’d learned — as a homeowner, investor, marketer, and industry professional — and use it to help people make smarter real estate decisions.

That commitment paid off quickly. I was proud to be awarded Rookie of the Year at 2% Realty, and I’ve since earned President’s Platinum Club recognition every single year.

These achievements reflect more than sales numbers — they represent trust, repeat clients, and results.

Why Clients Choose Me

Clients work with me because I offer:

• Deep local knowledge of Calgary’s real estate market

• Strong negotiation skills

• Strategic marketing backed by real-world experience

• Honest advice focused on protecting your bottom line

Whether you’re buying your first home, upgrading, downsizing, or selling while looking to save on commission, my goal is simple:
help you make confident, informed decisions and get the best possible outcome.

If you’re thinking about buying or selling in Calgary, I’d love to help.

Contact me for a free, no-obligation consultation.

Adrienne Mcgarvey

403.801.2012

adrienne.mcgarvey@2percentrealty.ca

When it comes time to sell your home, first impressions matter—and they can directly impact your final sale price. As a Calgary Realtor, I often see sellers leave money on the table by overlooking simple, cost-effective improvements.

Here are four proven tips to help protect your property’s value and present your home in its best possible light before hitting the market.

1. Choose Neutral Paint Colours

Fresh, neutral paint is one of the easiest ways to modernize your home. Light greys, soft beiges, and warm whites create a clean backdrop that appeals to the widest range of buyers. Neutral tones also help spaces feel brighter, larger, and move-in ready—a huge plus in today’s competitive Calgary market.

2. Update Light Fixtures & Match Your Bulbs

Lighting is often overlooked, but it has a massive impact on how a home feels. Swapping out dated fixtures for simple, modern ones can instantly elevate a space. Just as important? Matching light bulbs throughout the home for consistent colour temperature and brightness. The result is a cohesive, polished look buyers notice right away.

3. Keep Up With Maintenance

Buyers pay close attention to signs of ongoing care. Leaky faucets, loose handles, squeaky doors, or damaged trim may seem minor—but they can raise red flags. Staying on top of routine maintenance reassures buyers that the home has been well cared for and helps prevent unnecessary price negotiations later.

4. Cleaning Is the Best Bang for Your Buck

If there’s one thing every seller should prioritize, it’s cleaning. A professionally cleaned home feels fresher, brighter, and more inviting. Clean windows, baseboards, kitchens, and bathrooms can dramatically improve how your home shows—often with a better return than more expensive upgrades.

Thinking of Selling in Calgary?

Preparing your home properly can make a real difference in how quickly it sells and for how much. I help sellers create a clear plan to maximize value—while also saving thousands with a smarter commission structure.

Contact me today for a FREE home evaluation and personalized selling strategy.

Adrienne McGarvey REALTOR

2% Realty

403.801.2012

3 Essential Credit Score Tips Every Calgary Home Buyer Should Know

When buying a home in Calgary, your credit score matters more than many buyers realize. It can impact whether you’re approved for a mortgage, the interest rate you receive, and even how much home you can afford.

Understanding how credit works — and how to protect your score during the buying process — can save you money and stress. Below are three essential credit score tips every home buyer should know before applying for a mortgage.

1. Know the Difference Between Hard and Soft Credit Inquiries

Not all credit checks are created equal.

Soft credit inquiries are for informational purposes only and do not affect your credit score. Examples include checking your own credit score or pre-screening offers.

Hard credit inquiries occur when you apply for credit, such as a mortgage, loan, or credit card. These can lower your score slightly and remain on your credit report for up to two years. You must give permission for a hard inquiry to take place.

Understanding this difference helps you avoid unnecessary credit hits during your home-buying journey.

2. Protect Your Credit While Buying a Home

Once you start the mortgage process, it’s crucial to keep your credit profile stable. Even small changes can impact final mortgage approval.

To protect your credit score:

• Avoid applying for new credit cards or loans

• Delay large purchases like furniture, appliances, or vehicles

• Keep existing credit card balances low

• Avoid increasing debt until after possession day

A lower credit score could mean a higher interest rate — or in some cases, difficulty receiving final approval.

3. Shopping Mortgage Rates Won’t Hurt If Done Correctly

It’s smart to compare mortgage options, and the good news is that doing so won’t hurt your credit if you act within a short timeframe.

Credit bureaus recognize mortgage shopping as “rate shopping.” If you submit multiple mortgage applications within approximately 45 days, they’re typically grouped together and counted as one hard inquiry.

The key is timing — do your comparisons within a focused window.

Why Credit Scores Matter When Buying a Home

Lenders use credit scores to assess risk and determine mortgage terms. Buyers with higher scores generally:

• Qualify more easily

• Receive better interest rates

• Pay lower overall borrowing costs

That’s why understanding and protecting your credit score is one of the smartest steps you can take before buying.

Work With a Trusted Calgary Buyer’s Expert

As an Accredited Buyer’s Representative (ABR®), I specialize in helping Calgary buyers make informed decisions — from financial preparation to negotiating the best possible purchase.

If you’re thinking about buying a home and want guidance on credit, mortgages, and the Calgary market, I’d be happy to help.

Adrienne McGarvey
2% Realty
403.801.2012
adrienne.mcgarvey@2percentrealty.ca

Let’s make sure you’re set up for success before you start house hunting.

What Today’s Market Data Tells Us About Detached Homes in Calgary

If you’re a homeowner watching the Calgary real estate market and wondering whether now is a good time to sell, recent detached home data offers some valuable insight.

The market is active — but it’s also price-sensitive and competitive.

Strong New Supply Is Hitting the Market

With 259 new detached listings, inventory is building. This gives buyers more choice and means sellers can no longer rely on demand alone to drive results. Homes need to stand out through pricing, condition, and marketing.

Buyer Activity Remains Healthy

Despite higher inventory, buyers are still engaged:

• 176 detached homes sold

• 162 currently pending

This shows that well-priced homes are continuing to move, often without extended time on market.

Pricing Strategy Is the Biggest Factor Right Now

One of the most telling statistics is pricing movement:

• 108 price decreases

• Only 7 price increases

This gap clearly shows that buyers are unwilling to chase inflated prices. Sellers who start too high are being forced to adjust, sometimes multiple times.

Homes priced correctly from the start are avoiding price reductions and attracting stronger interest.

Expired & Terminated Listings Are a Warning Sign

With expired and terminated listings increasing, some sellers are choosing to step back rather than chase the market. In most cases, this comes down to pricing expectations or a lack of effective marketing.

What This Means for Detached Home Sellers

The Calgary detached market today can be best described as:

• Active, but selective

• Balanced to slightly buyer-favouring

• Rewarding realistic pricing and strong presentation

Homes that are staged, marketed professionally, and priced accurately are selling. Those that aren’t are quickly exposed by today’s informed buyers.

Thinking of Selling?

Before listing, it’s critical to understand:

• What buyers are paying right now

• How much competition you’re facing

• How to price your home to attract offers — not price reductions

Reach out for a free, no-pressure home evaluation and a clear plan to position your home for success in today’s Calgary market.

Adrienne McGarvey 2% Realty

403.801.2012

Selling a home in a competitive market isn’t just about pricing — presentation matters. The recent sale of 512 – 235 9A Street NW is a perfect example of how professional staging can elevate a listing and contribute to a successful outcome.

This Inner City Calgary property was expertly staged by Dekora Staging, and the results were nothing short of impressive. From the moment buyers walked in (or viewed the listing online), the space felt welcoming, modern, and easy to envision as home. Strategic furniture placement, cohesive décor, and thoughtful design helped highlight the unit’s strengths while minimizing distractions.

Why Staging Makes a Difference When Selling

Today’s buyers often make decisions within seconds — and most start their search online. Professionally staged homes consistently:

• Photograph better for online listings

• Help buyers emotionally connect with the space

• Highlight functionality and flow

• Stand out from competing properties

At 512 – 235 9A Street NW, staging helped transform the unit from simply “for sale” to move-in ready and memorable, driving stronger interest and contributing to a successful sale.

A Smart Investment for Sellers

Many sellers wonder if staging is worth the cost. In my experience, it often pays for itself by reducing time on market, increasing buyer interest, and helping a home sell for top value. In crowded condo and townhouse markets especially, staging can be the edge that sets your property apart.

Dekora Staging did an outstanding job on this listing, and I highly recommend their services to sellers who want to maximize their home’s appeal and market impact.

Thinking of Selling Your Home?

If you’re considering selling in Inner City Calgary (or anywhere in the city), I help sellers create a clear, cost-effective plan — including pricing, staging guidance, and marketing strategies designed to get results without overpaying on commission.

Reach out for a free home evaluation and personalized selling strategy.
Your home deserves to stand out.

Adrienne McGarvey 2% Realty

403.801.2012

What Buyers and Sellers Need to Know About Calgary’s 2026 Housing Market

As we look toward 2026, the Calgary housing market is showing clear signs of "normalizing." Following the record-breaking activity and supply shortages of previous years, the latest CREB® Forecast suggests a shift in momentum that will provide both new opportunities and unique challenges for buyers and sellers alike.

A Transition to Balance In 2025, we saw the market move away from extreme seller-favored conditions. For 2026, this trend is expected to continue, with balanced to buyer’s market conditions becoming the new norm. This shift is primarily driven by a surge in new home completions—particularly in higher-density sectors—and a cooling of the migration levels that previously fueled intense demand.

Price Performance by Property Type Not all segments of the market will behave the same way. According to the forecast:

• Detached & Semi-Detached: These segments are expected to remain the most stable. Detached home prices are forecasted to grow by a marginal 0.1%, while semi-detached homes may see a slight 0.8% increase.
• Row & Apartments: Expect more significant adjustments here. Due to elevated inventory levels from record-high starts, row house prices are forecasted to ease by 1.9%, and apartment-style condos could see a 3.5% reduction in benchmark prices.

The Economic Backdrop While Alberta remains a national leader in economic growth with a forecasted 2.1% GDP increase, job growth is expected to slow significantly to 0.4%. This slower employment growth, combined with higher unemployment rates (forecasted at 7.4%), will likely keep housing demand at more typical, long-term historical levels rather than the frenetic pace of the early 2020s.

What This Means for You

• For Sellers: Pricing and presentation are more critical than ever. With more competition on the market, especially in the condo and row sectors, "waiting for a higher price" may no longer be a viable strategy.
• For Buyers: You finally have more breathing room. Increased inventory means more choice and less pressure to engage in aggressive bidding wars, particularly in the multi-family market.

Conclusion The Calgary market remains resilient, but the "gold rush" era of the past few years has transitioned into a more sustainable, balanced environment. Whether you are looking to upsize into a detached home or enter the market via a condo, understanding these 2026 forecasts is key to making a smart move.

Read the full CREB Forecast report here.

Proud to Achieve Platinum Club Status for the 3rd Year in a Row

I’m incredibly proud to share that I’ve been recognized once again as a President’s Platinum Club member with 2% Realty Calgary—marking my third consecutive year achieving this milestone.

This award represents more than just numbers. It reflects a consistent commitment to:

• Providing honest, strategic advice

• Helping clients save money on commissions

• Delivering results-driven service in all market conditions

Real estate is one of the biggest financial decisions most people will ever make, and my goal has always been to make that process clear, efficient, and rewarding—whether you’re selling, buying, or investing.

I’m deeply grateful to my clients for their trust and referrals, and to my colleagues at 2% Realty Calgary for their continued support. Your confidence in my work is what makes achievements like this possible.

If you’re considering selling your home or want a clear plan for navigating the Calgary real estate market, I’d love to help.

Reach out anytime for a conversation or a free home evaluation.

Adrienne McGarvey
2% Realty Calgary

403.801.2012