Money Money

Money Money Money its a Rich Man's World... I say bring it 

I have several Surperb Mortgage Specialist at the ready to serve you. From Airdrie Top Notch people to Calgary Superheros that can find you a mortgage. 

Learn the basics if you're new to buying a home, to get tips and help for the experienced buyer. 

Its about YOU and finding you the best of the best opportunity. 

Give me a call to get you started on your journey to homeownership.



Coopers Common

This home is ready for you. Built in 2013 this townhouse boast 1669 square feet of living space plus an option to finished the lower level if desired.

Well maintained by the original owner with loads of upgrades and storage space. A bright home with plenty of natural light.  You will love the Primary bedroom with window seat potential, room for a chair and a large walk in closet. The envy of all your friends will be the Ensuite.

This home features a double garage and rear deck for your enjoyment. Well maintained complex with access to the pond area and many walking paths. Open to Offers - Call today 403-827-4663

MLS A1254685 offered at $455,000.00 *others have sold for more this is a great deal


Luxury Homes with CIR REALTY

CIR REALTY offers a LUXURY home portfolio to our clients from selling to buying. It amazes me the quality of homes offered on this platform, from acreages to inner-city living. 

Depending on your needs CIR REALTY covers every discerning level of home for the luxury home buyer or seller. 

VIP service offered with attention to detail - for your viewing of our list of homes please call today. 

Decretion - Elegance - Opulence 


Pet Odours and Smoke

There is a solution for everything no matter what you encounter when selling or buying a home. $495.00 + GST will get you a 2-day ozone treatment on your home to rid it of pet and or smoke odours.  There are remediation companies ready to help you or offer to do it yourself. I found a company in Calgary that sells/rents everything you need. 

Paint that covers up all the smoking/tar/tobacco and seals it, you can even do the ceilings. Starting at $196.00 for a 5-gallon bucket. Acts like a primer for you to paint the walls any colour you wish afterwards. *recommend washing walls first TSP*

As your Realtor, I leave no stone unturned to find a solution and options for my clients. 

I've researched and found Trades People, Companies and products to help you every step of the way. 



Right now in our Calgary market, there are homes hitting the market that already have offers on them. This house in Arbour Lake for instance was listed on a Friday afternoon and conditionally sold the Sunday night.

I have 3 listings "Coming Soon" to the MLS, and have posted with permission from the sellers to get the word out before we are listed. GET into a POCKET listing before everyone else. JUST give me a call. 403-827-4663

Agents are chatting together looking for a home for their buyers. AT CIR REALTY we have over 700 Realtors working hard for their clients, plus I have 18 years in the industry - I'm on the phone looking for the latest before it hits the MLS.

-Martindale - Nolan Hill - Airdrie (Big Springs and Luxstone) coming soon.


Whether you've missed only a single mortgage payment, multiple payments, or you are a week away from losing your home, you're not too late.


Foreclosure can be a very scary and sensitive situation but can be resolved easily and in a timely manner when dealing with the right people. There is a lot of corruption, intimidation, and false information provided to people when they are going through the foreclosure process. We are here to give you honest facts and to help you stop the foreclosure process.

The foreclosure process takes place as follows:

  1. Your mortgager/bank/lender will hire a law firm to sue you for the full amount owing on your mortgage.
  2. The law firm will file a claim against you for that amount, and will make an application at the court to re-possess your home. The court will generally grant you a redemption period, in which you need to come up with the entire amount owing. This period ranges anywhere between 1-6 months, depending on the equity and occupancy of the home.
  3. Once the redemption period has passed, the bank's lawyer will go back to court and obtain an order from the judge to transfer the property to the bank's name, at which point you will be removed from your house and they will list it for sale with their own agents.
  4. Once the property is sold, the bank will pay out all the legal fees (which can accumulate to anywhere between $8,000-$20,000), as well as commissions to their agents involved in the sale. If these expenses exceed the sale price of the home, you will receive a bill for the difference. This is usually a substantial amount of money that most people cannot pay, and they are then forced to file for bankruptcy.

From CIR REALTY President 
I'm happy to report that we continue to outperform the overall market (CREB). For September 2016 CREB's total sales were up 2.06% compared with 2015. CIR's total sales for September was up 7.80%. For the year-to-date picture, CREB's total sales for the first 9 months is down 8.52%. CIR's total sales for the first 9 months is up 1.0%.   
Congratulations to everyone at CIR for continuing to outperform the main CREB benchmark by a wide margin this year. Well done!    

The Office of the Superintendent of Financial Institutions (OSFI) recently launched a proposal that could push future Canadian mortgage rates higher.

When OSFI makes changes, it first issues a proposal that is “open for public consultation” up to a certain deadline, which in this case is October 18. But OSFI is making this proposal in the same way that I propose to my kids that they brush their teeth before bed – while technically I am asking, one way or another, it’s going to happen.

In its recently revised Capital Adequacy Requirement (CAR) Guideline, which is designed “to ensure that capital requirements continue to reflect underlying risks and developments in the financial industry”, OSFI has made allowances for increased risk at both the individual and market levels.

To account for increased market risk in future, OSFI will add a “countercyclical buffer” to its toolkit. This buffer will require lenders to put aside more capital if OSFI perceives that market risks have become unduly elevated. So, for example, if house prices continue to accelerate in hot regional markets, OSFI could increase lender capital requirements, thereby increasing the cost of the funds that are being lent out. 

Bluntly put, this buffer gives our policy makers a clever way to increase mortgage rates while leaving other interest rates unchanged, something that they see as desirable.  And while it’s true that lenders will be given a grace period of six to twelve months to raise the required capital, you can bet that they will move rates higher immediately after being notified that a countercyclical buffer will be implemented.

At the individual lender level, OSFI also reminded lenders that “credit risk insurance is a risk mitigant (guarantee) that relies on the due diligence of a mortgage originator”. To that end, if OSFI perceives that lenders have not met the agreed upon standards when underwriting insured loans, it will require them to put up more capital to account for their lack of adequate due diligence.

OSFI is effectively warning lenders that they should apply the same credit standards to loans that are backed by Canadian tax payers as they do when lending their own money. This emphasis is an attempt to address “moral hazard” risks whereby lenders loosen their standards on loans where default insurance protects them against potential loss.

There have been far more radical proposals to address moral-hazard risks of late. One idea making the rounds is the introduction of a first-loss deductible that would require lenders to participate in any losses incurred on their insured loans. While this would certainly give lenders pause before applying looser standards to insured loans, it would be difficult to superimpose this type of change on our existing default-insurance framework. For example, CIBC Deputy Chief Economist Benjamin Tal recently speculated that introducing risk sharing could both push rates higher and limit the availability of mortgage credit. As such, each of these changes would be destabilizing.

Canadians have grown accustomed to reading headlines about housing-bubbles with their morning coffee but these warnings have grown increasingly ominous of late, even by our own jaded standards. Our still relatively new federal government is facing increased pressure to do something, and thus far, their handling of the housing file remains an open question.

Will they be satisfied with allowing OSFI to continue with its existing oversight and to add to its toolkit as needed, while allowing regional markets to implement area-specific policies to address local imbalances such as the new Vancouver real-estate tax on foreign investment? Or will they implement more radical reforms that might play better at the ballot box but come with a greater risk of unintended consequences? Time will tell (and I will be watching for you).

Five-year Government of Canada bond yields rose three basis points last week, closing at 0.74% on Friday. Five-year fixed-rate mortgages are available in the 2.29% to 2.39% range, depending on the terms and conditions that are important to you, and five-year fixed-rate pre-approvals are offered at about 2.49%.

Five-year variable-rate mortgages are available in the prime minus 0.40% to prime minus 0.50% range, which translates into rates of 2.20% to 2.30% using today’s prime rate of 2.70%.


MLS C4084133


Panorice Mountain Views - just listed  1950 square foot 10 foot ceilings walk out bungalow with finished lower level


4 bedrooms if you wish, or make into an offer or personal gym.


In Floor Heat

Air Conditioned

Heated Garage

Upper Main floor laundery

5 Piece Ensuite

Hardwood flooring

open concept

3 sided fireplace

built in cabinets

Murphy bed

Front Covered Porch

Large West Facing deck - Mountain views



This home is loaded and Ready for you



Pet Friendly Realtor® - working hard to find YOU the right home along with your fur babies. 

- which condos are pet friendly

-city rules on pets 

-bylaws for pets

-cost for pet licenses

-mobile Vet recommendations

Allow me to help you find YOUR next home for the entire family

call:  403.827.4663

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.