As we move through 2025, Calgary’s mortgage landscape is experiencing significant changes, with interest rates expected to become more favorable for homebuyers. Let’s explore the most sought-after mortgage types in Calgary and what they mean for potential homeowners.

🏠 Fixed-Rate Mortgages: The Stable Choice Currently leading the pack with a competitive rate of 4.04% for 5-year terms, fixed-rate mortgages remain Calgary’s most popular choice. Homeowners are increasingly gravitating toward this option for

• Predictable monthly payments
• Protection against rate fluctuations
• Peace of mind in long-term financial planning

📈 Variable-Rate Mortgages:

The Strategic Option With rates projected to decrease throughout 2025, variable-rate mortgages (currently at 4.45%) are gaining traction. Key benefits include:

• Potential for significant savings as rates drop
• Flexibility to convert to fixed rates
• Lower penalties for early termination

🏗️ Short-Term Mortgages: The Rising Star Three to twelve-month mortgages are becoming increasingly popular among:

• Property investors
• Self-employed professionals
• Renovation specialists

💡 Key Market Trends for 2025:

• Interest rates expected to settle between 2.00% and 3.00% by mid-2025
• Increased buyer confidence due to rate reductions
• Growing preference for flexible mortgage terms

• Alberta mortgage broker
• Private lender Calgary
• Short-term mortgage Alberta
• Self-employed mortgage 
• Commercial mortgage Alberta

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For more information about mortgage options in Calgary, contact LeSolace Corporation at 1-888-622-2671 or visit www.LeSolace.com.