Let’s Be Real — The Market is Changing

Edmonton, we’ve got a shift on our hands.
For months, sellers have been in the driver’s seat. Now? Buyers are starting to slide into the passenger seat — and in some cases, they’ve got their hand on the wheel.

Here’s what’s happening right now:

• Inventory is up — July saw 4,387 new listings, a 7.8% jump from June.

• Active listings now sit at 7,083 homes — 21.8% more than last summer.

• Benchmark prices dipped to $427,800 (down 2.7% from June), but still 5.2% higher year-over-year.

What does that mean for you?
If you’re buying, you have breathing room. If you’re selling, you need a plan.

For Buyers: Finally, Some Elbow Room

Remember earlier this year when houses were getting snatched up before you could even book a showing? Those days are cooling off.

You’ve got more choice, more negotiating power, and — best of all — less pressure to make a rushed decision.

Here’s what I’ll do for you as your agent:

• Hunt down the homes that haven’t hit your radar yet — the ones with hidden value.

• Negotiate like your future equity depends on it (because it does).

• Help you buy smart, so you love your home and your investment years from now.

Edmonton is still one of the most affordable major cities in Canada. That’s a gift, and in a cooling-but-strong market, timing matters.

For Sellers: Stand Out, Don’t Just Show Up

With more homes hitting the market, buyers are getting picky. If your property doesn’t stop them in their tracks, it’s just another scrolling swipe.

Here’s how I make sure that doesn’t happen:

• Strategic pricing so your home is the one people have to see.

• Marketing that pops — professional photos, staging, and social content that makes buyers pause mid-scroll.

• Clear communication and sharp negotiation so you never feel in the dark — and you always walk away knowing you got the best deal possible.

This is not the time to wing it. It’s the time to work with someone who knows how to get eyes — and offers — on your property.

Who I Am (and Why My Clients Call Me First)

I’m Caitlin Heine, REALTOR® with Iconic YEG | RE/MAX Real Estate.
My clients know me as:

• Warm but direct — I’ll tell you the truth, even if it’s not what you expected to hear.

• Data-driven — I study the market so your decisions aren’t based on guesswork.

• A relentless advocate — when you hire me, I fight for your goals like they’re my own.

Buying or selling a home is a big deal. You deserve an agent who cares as much about the outcome as you do.

The Bottom Line

August 2025 is a pivotal moment in Edmonton real estate. Buyers are gaining ground. Sellers still have opportunity — but need a strategy.

If you’re thinking about buying or selling, let’s have a real conversation about where you stand and what’s possible. I’ll give you straight answers, a clear plan, and a partner you can trust from the first handshake to the final signature.

About Caitlin Heine – Iconic YEG | RE/MAX Real Estate

Caitlin Heine is a full-time REALTOR® and the owner of Iconic YEG | RE/MAX Real Estate in Edmonton, Alberta. Known for her warm but direct communication style, deep market knowledge, and fierce client advocacy, Caitlin helps buyers and sellers navigate the Edmonton real estate market with confidence and clarity.

With a background in marketing, leasing, and large-scale residential projects, Caitlin brings strategic pricing, high-impact marketing, and skilled negotiation to every transaction. She believes buying or selling a home should be a clear, empowering experience — never a guessing game or high-pressure sale.

Caitlin works best with clients who value straight answers, smart strategy, and a human-first approach. Whether you’re buying your first home, upgrading for more space, or selling to start your next chapter, she provides personalized guidance, data-driven advice, and a trusted partnership from start to finish.

📞 Call/Text: 587-336-3176
📧 Email: caitlin@iconicyeg.com
🌐 Website: iconicyeg.com
📍 Office: RE/MAX Real Estate, 200, 10835 124 Street NW, Edmonton, AB

📞 Call/Text: 587-336-3176
📧 Email: caitlin@iconicyeg.com
🌐 Website: iconicyeg.com
📍 Office: RE/MAX Real Estate, 200, 10835 124 Street NW, Edmonton, AB

Buying a condo in Edmonton can be exciting—especially for first-time buyers and newcomers to Canada. Condominiums often offer convenience, amenities, and a strong sense of community. But purchasing a condo isn’t the same as buying a single-family home.

One of the most important steps in the process is the Condo Document Review—and skipping it could cost you thousands in unexpected fees or lock you into rules that don’t fit your lifestyle.

At Iconic YEG Real Estate, we guide buyers through this process so you can make a confident and informed decision.

What Is a Condo Document Review?

When you buy a condo in Alberta, you’re purchasing both your individual unit and a share in the entire building and common areas—hallways, elevators, lobbies, parking garages, landscaping, and amenities.

A condo document review is your opportunity to investigate how the property is managed, assess its financial health, and spot potential red flags before finalizing the deal.

These documents are provided by the condominium corporation—the legal entity responsible for managing the property on behalf of all owners. They include financial statements, bylaws, reserve fund details, and more.

Why the Condo Document Review Matters

Think of it like a “home inspection” for the entire property—but instead of assessing the physical structure, you’re reviewing its financial and operational health.

A proper review tells you:

• If the building is financially stable or at risk of expensive repairs.

• Whether there are disputes between owners and the condo board.

• What rules you must follow (e.g., pets, rentals, renovations).

• What repairs or upgrades are coming up and how they’ll be funded.

• If the reserve fund is sufficient for future maintenance.

If the review reveals concerns, you can withdraw from the purchase—without losing your deposit—before your condition deadline.

Key Documents in an Edmonton Condo Purchase

Under Alberta’s Condominium Property Act, the seller must provide certain documents for your review, which may include:

1. Information Statement – Overview of condo fees, insurance, and status of the corporation.

2. Bylaws – Rules for living in the community (pets, smoking, parking, rentals, etc.).

3. Financial Statements & Budget – Shows how the condo corporation collects and spends money.

4. Reserve Fund Study & Plan – Engineering report outlining the lifespan of building systems and the plan to fund replacements.

5. Meeting Minutes – Records from board and annual meetings—often where upcoming projects or disputes are discussed.

6. Insurance Certificate – Confirms the building’s insurance and what you must insure personally.

7. Special Assessments Notices – Alerts about additional charges for repairs or upgrades beyond the normal budget.

Important Concepts from Alberta’s Condominium Property Act

1. Unit Factors

Every condo unit in Alberta is assigned unit factors, representing your ownership share in the condo corporation.

• These determine your monthly condo fees, voting power, and share of any special assessments.

• Example: If you own 50 unit factors out of 5,000 total, you own 1% of the common property and pay 1% of the shared costs.

2. Reserve Fund

A legally required savings account for major repairs and replacements of common property. The reserve fund must be backed by a Reserve Fund Study and Plan updated every five years.

3. Bylaws

Rules registered on title that govern community living, covering pets, rentals, renovations, noise, and use of common areas. They are legally enforceable.

4. Special Assessments

Extra charges owners must pay—based on unit factors—if the reserve fund or operating budget can’t cover major repairs or unexpected expenses.

5. Voting Rights

Your unit factors also determine your voting weight at Annual General Meetings (AGMs) and special meetings, where owners make important financial and governance decisions.

What to Watch for in a Condo Document Review

• Low reserve fund balance – Risk of special assessments.

• High fee delinquency rates – Indicates cash flow problems.

• Frequent special assessments – Could suggest ongoing issues.

• Major upcoming repairs – Even planned projects may mean higher fees.

• Restrictive bylaws – Make sure they fit your lifestyle.

• Pending lawsuits – May result in large legal costs for all owners.

DIY vs. Professional Review

While you can review the documents yourself, most buyers benefit from hiring a professional condo document reviewer. These specialists know what to look for, how to identify risks, and how to explain the findings in plain language.

The cost in Edmonton is typically a few hundred dollars—small compared to the potential cost of buying into a poorly managed property.

Your Buyer’s Condition Deadline

When making an offer, you can include a Condo Document Review Condition. This gives you a set number of days (often 5–10) to review the documents.

If you’re not satisfied for any reason, you can cancel the contract before the deadline and get your full deposit back.

Quick Tips for Condo Buyers in Edmonton

1. Allow enough time – Don’t rush the review process.

2. Ask questions early – Clarify anything you don’t understand.

3. Plan for fee increases – Most condo fees rise over time.

4. Read the bylaws carefully – Even if the rule doesn’t matter now, it might later.

5. Look for long-term stability – A well-managed condo with fair fees is usually a better investment than a low-fee building with financial troubles.

Buyer’s Glossary: Key Condo Terms in Plain Language

• Unit Factor – Your percentage share of the entire condo property. It determines your condo fees, voting rights, and share of special assessments.

• Reserve Fund – A savings account the condo corporation must keep for big repairs and replacements like roofs, elevators, and parkades.

• Estoppel Certificate – A statement from the condo corporation confirming the financial status of your unit, including if you owe any fees.

• Special Assessment – An extra payment all owners must make if the condo corporation doesn’t have enough money for major repairs or unexpected costs.

Final Word: Protect Yourself Before You Buy

Purchasing a condo in Edmonton is more than just choosing the right unit—it’s buying into a shared investment. A thorough condo document review ensures you understand the property’s financial health, rules, and future plans before committing.

At Iconic YEG Real Estate, we connect you with trusted professionals, guide you through the process, and make sure you have all the information you need to make a confident choice.

Thinking of buying a condo in Edmonton? Let’s talk about your goals and help you find the right fit—without unwelcome surprises.

About Caitlin Heine – Iconic YEG | RE/MAX Real Estate

Caitlin Heine is a full-time REALTOR® and the owner of Iconic YEG | RE/MAX Real Estate in Edmonton, Alberta. Known for her warm but direct communication style, deep market knowledge, and fierce client advocacy, Caitlin helps buyers and sellers navigate the Edmonton real estate market with confidence and clarity.

With a background in marketing, leasing, and large-scale residential projects, Caitlin brings strategic pricing, high-impact marketing, and skilled negotiation to every transaction. She believes buying or selling a home should be a clear, empowering experience — never a guessing game or high-pressure sale.

Caitlin works best with clients who value straight answers, smart strategy, and a human-first approach. Whether you’re buying your first home, upgrading for more space, or selling to start your next chapter, she provides personalized guidance, data-driven advice, and a trusted partnership from start to finish.

📞 Call/Text: 587-336-3176
📧 Email: caitlin@iconicyeg.com
🌐 Website: iconicyeg.com
📍 Office: RE/MAX Real Estate, 200, 10835 124 Street NW, Edmonton, AB

When it comes to buying or selling a home in Edmonton, few places capture the heart quite like Riverdale. Nestled in the North Saskatchewan River Valley, this one-of-a-kind neighbourhood offers the best of both worlds: nature at your doorstep and downtown Edmonton just minutes away.

I’m Caitlin Heine, owner of Iconic YEG Real Estate, and I’ve helped countless clients fall in love with Riverdale and other Edmonton river valley communities like Rossdale and Cloverdale. Whether you’re searching for your dream home or preparing to sell, I know how to position Riverdale properties to attract the right buyers — and secure the best results.

Why Buyers Choose Riverdale Edmonton Homes

• Unbeatable Location: Two-minute drive or ten-minute walk to downtown via the 100 Street Funicular.

• Nature Everywhere: Dawson Park’s off-leash dog trails, the Riverdale Boat Launch, and endless walking/biking paths.

• Architectural Variety: From heritage character homes to sleek modern infills and stylish condos.

For buyers, Riverdale isn’t just a neighbourhood — it’s a lifestyle. Many of my clients choose it because it feels like a hidden garden in central Edmonton, where you can live in peace yet stay connected to everything the city offers.

Why Sellers Succeed in Riverdale

• High Demand, Low Supply: Homes here are rare and often sell quickly.

• Premium Valuation: Buyers value the location, walkability, and charm.

• Lifestyle Marketing: I position your home to highlight the unique benefits of Riverdale living.

As a Riverdale real estate agent, I understand how to market your property beyond its features — selling the experience of living here is what gets buyers emotionally invested.

Local Favourites That Make Riverdale Shine

• Dogpatch Bistro Pub: Scratch-made comfort food and a welcoming neighbourhood vibe.

• Little Brick Café: Coffee, community, and charm in a restored 1903 home.

• Riverside Golf Course: A hidden gem for golfers right in the river valley.

The River Valley Advantage

Living in Riverdale connects you to some of Edmonton’s most beautiful and historic communities, including Rossdale and Cloverdale. I specialize in these neighbourhoods because they offer a rare blend of heritage, lifestyle, and long-term real estate value.

Thinking about buying or selling in Riverdale?
I’m Caitlin Heine, Edmonton realtor and owner of Iconic YEG — and Riverdale is my backyard. From market insight to strategic negotiation, I’ll make sure your move is the right one.

📍 Start your search or get your home value today:
Explore Riverdale Edmonton Homes for Sale

Contact Caitlin Heine

Are you ready to trade the endless upkeep of a single-family home for the freedom and style of condo living? In Edmonton’s coveted Ramsay Heights community, downsizing doesn’t mean compromising—you gain convenience, community, and that coveted mid-century modern vibe when you choose 7, 14820 45 Ave at The Uplands.

Why Edmonton Condo Living Makes Sense for Downsizers

1. Maintenance-Free Lifestyle
   Gone are the days of mowing the lawn, shovelling snow, and scheduling furnace tune-ups. Your condo fees of $1,048.60/month (including heat, water/sewer, insurance, landscaping, snow removal, security, management, caretaker, reserve fund contributions, parking and amenities) cover it all—freeing you up for what matters most.

2. Financial Flexibility
   With a list price of $334,900, you unlock equity to travel, pursue passions, or simply build your savings. Ramsay Heights condos hold strong value in Edmonton’s real estate market, making this a smart investment as well as a lifestyle upgrade.

3. Optimized Space
   At 1,465 sq ft, this condo offers a generous footprint that still feels cozy—perfect for empty-nesters, snowbirds, and busy professionals. Two bedrooms, two baths, an open living/dining area, and a 45-foot southwest deck give you room to entertain, relax, and savour every sunset.

Discover Ramsay Heights: Edmonton’s Hidden Gem

• Prime Ravin Access: Just minutes from your front door, Ravine trails beckon for walking, biking, or cross-country skiing.

• Village-Like Amenities: Quaint cafes, artisan bakeries, and local markets thrive here—support small businesses or gather with neighbours over a latte.

• Community Spirit: Mature trees, winding streets, and a mix of historic homes and modern builds foster a true neighbourhood feel.

The Uplands: Your Downsizing Dream

Mid-Century Modern Charm

• Architectural Atrium: Step into a soaring open-air courtyard with Douglas fir beams, skylights, a gentle fountain, and lush greenery—an oasis of calm in the city.

• Renovated Interiors: Brand-new vinyl plank flooring, fresh paint, quartz countertops, subway-tile backsplash, and high-end Frigidaire appliances bring contemporary flair.

• Cozy Fireplace: A wood-burning hearth anchors the living room, perfect for curling up with a book on cooler Edmonton evenings.

Thoughtful Layout

• Primary Suite: King-sized retreat with a 5-piece ensuite bath and generous closet space.

• Guest/Office Flex Space: Second bedroom adapts to your needs—home office, hobby room, or overnight suite.

• Open Living/Dining: An entertainer’s delight, the space flows effortlessly to your SW-facing deck.

Outdoor Escape

• 45-Foot Deck: Overlooking the atrium and southwest skies, you have room for lounge seating, container gardens, and alfresco dining from spring through fall.

Secure Parking & Storage

• Two Underground Stalls: Heated and secure, right by the elevator.

• Massive Private Storage: Store seasonal gear, bikes, and holiday décor with ease.

Ready to Experience Ramsay Heights Condo Living?

Downsizing doesn’t mean settling—it means choosing a lifestyle that fits your goals, passions, and priorities. The Uplands offers a turnkey solution for those ready to embrace community, convenience, and mid-century modern flair.

View Virtual Tour

Schedule your private tour today:
Caitlin Heine, Realtor® | Iconic YEG Real Estate Team
📱 587-336-3176 | ✉️ caitlin@iconicyeg.com

Explore more Ramsay Heights condos and Edmonton real estate insights at www.iconicyeg.com and follow Caitlin on Instagram @iconic.yeg for the latest listings, market tips, and community highlights.

Live simply. Live beautifully. Live iconic.

About Caitlin Heine – Iconic YEG | RE/MAX Real Estate

Caitlin Heine is a full-time REALTOR® and the owner of Iconic YEG | RE/MAX Real Estate in Edmonton, Alberta. Known for her warm but direct communication style, deep market knowledge, and fierce client advocacy, Caitlin helps buyers and sellers navigate the Edmonton real estate market with confidence and clarity.

With a background in marketing, leasing, and large-scale residential projects, Caitlin brings strategic pricing, high-impact marketing, and skilled negotiation to every transaction. She believes buying or selling a home should be a clear, empowering experience — never a guessing game or high-pressure sale.

Caitlin works best with clients who value straight answers, smart strategy, and a human-first approach. Whether you’re buying your first home, upgrading for more space, or selling to start your next chapter, she provides personalized guidance, data-driven advice, and a trusted partnership from start to finish.

📞 Call/Text: 587-336-3176
📧 Email: caitlin@iconicyeg.com
🌐 Website: iconicyeg.com
📍 Office: RE/MAX Real Estate, 200, 10835 124 Street NW, Edmonton, AB

Let’s be honest: buying real estate in Edmonton’s core can feel like a rollercoaster. But every once in a while, something shows up that just makes sense. No overpriced fluff, no wasted space—just solid value, prime location, and serious upside.

That’s exactly what you’ll find at Unit 1101 in The Marquis.

A Downtown Condo That Actually Checks All the Boxes

This isn’t one of those 450 sq ft shoeboxes that leaves you wondering where your furniture—and dignity—will go. With 719 square feet of living space, this 1 bedroom, 1 bathroom unit offers actual breathing room.

It’s perched on the 11th floor with west-facing views of Edmonton’s stunning River Valley—so yeah, sunsets are on the daily menu.

You get:

• New laminate flooring

• Updated bathroom

• Tons of storage

• Private balcony

• Secure underground parking

• And most importantly… low condo fees of just $520.64, including heat, water, and electricity!

It’s Not Just the Condo — It’s the Lifestyle

Step outside and you’re seconds from:

• The River Valley trail system

• LRT access

• Shops, restaurants, coffee spots

• The Legislature grounds

• All the vibes that make downtown Edmonton vibrant

Want to ditch your car? You can. Want to keep it? Underground parking is included. It’s the kind of flexibility most downtown units can’t offer.

Amenities That Make Life Easier (and Healthier)

Life at The Marquis means you don’t have to pay extra for gym memberships or wellness perks. Condo owners enjoy:

• Fitness Room

• Sauna

• Billiards room

• Laundry on every floor

• Rooftop tennis and basketball courts

Did I mention it’s a quiet, professionally managed concrete building? No creaky floors. No noisy neighbours above you. Just solid construction and smart planning.

Investor-Friendly and First-Time Buyer Gold

If you’re an investor, this one’s a no-brainer. With 20% down on a $129,900 purchase price, your initial investment is around $25,980. At an estimated 4.5% interest rate, your monthly mortgage payment would land near $575. Add $520.64 in condo fees—which already cover heat, water, and electricity—and your total carrying cost sits around $1,095/month.

With average one-bedroom rents in downtown Edmonton sitting at $1,450/month, this unit offers positive cash flow potential from day one.

You’re getting a low-risk, low-maintenance investment in a secure concrete building with strong tenant appeal—steps to the LRT, river valley, and city core. Bonus: the seller owns three additional rented units in the building and is open to selling them as a turnkey portfolio package.

Smart buy. Strong yield. Simple management.

If you’re a first-time buyer, this is your launchpad. You’re getting real space, real ownership, and real value for less than rent in most downtown one-bedrooms.

To put it into perspective:
With a 5% down payment on the $129,900 purchase price, you’d only need about $6,495 up front. With a typical interest rate of 4.5%, your estimated monthly mortgage payment would be around $710. Add in the low condo fees of $520.64—which cover heat, water, and electricity—and your total monthly cost would be approximately $1,230 all in.

That’s turnkey, maintenance-free living in a river valley view condo—for less than renting someone else’s.

⚠️ These figures are for illustration only and are not financial advice. Always consult your lender or mortgage broker for exact qualification and costs based on your personal situation.

Maintenance-Free Living That Makes You Feel Like You’ve Made It

This is what we mean when we say “Live your best maintenance-free life.” No yard work. No surprise utility bills. Just walk in, enjoy the view, and let someone else shovel the snow.

Let’s Be Real

You’re not going to find another downtown condo with this much space, this many perks, and this low of a price without serious compromises. But 1101 at The Marquis delivers—on lifestyle, value, and simplicity.

Ready to Take the Next Step?

Let’s go see it. I’ll walk you through it, answer your questions, and help you figure out if this is the right move for you.

View Virtual Tour

BOOK TOUR NOW

📲 Caitlin Heine
Iconic YEG Real Estate Team | RE/MAX
587-336-3176
🌐 www.iconicyeg.com

Rate Hikes, Bond Yields & Buying Power

If you’ve been watching mortgage rates in 2025 and wondering, “Wait… didn’t the Bank of Canada just hold rates steady? So why are mortgage rates climbing again?”—you’re not alone.

I’ve been having this conversation daily with buyers, sellers, and people just trying to make sense of what the heck is going on. So I want to break it down in plain language and share what I know—not as a mortgage broker (because I’m not one), but as a REALTOR® who pays attention to what’s happening in Edmonton real estate, and who cares about helping you make informed decisions.

What’s Happening With Rates—And Why It’s Confusing

On July 30, the Bank of Canada held its overnight rate at 2.75%. That’s the rate most people hear about on the news. It influences things like variable-rate mortgages, lines of credit, and the prime rate.

But here’s the part that often gets missed: fixed mortgage rates are not tied to the Bank of Canada’s rate. They’re tied to bond yields—specifically, the 5-year Government of Canada bond yield.

So why are fixed rates going up right now?

Because bond yields have been climbing. Investors are nervous about inflation staying sticky and are betting that rates will remain elevated longer than expected. As bond yields rise, banks raise their fixed mortgage rates to keep pace.

It’s not about panic—it’s about pricing risk.

If You Have a Rate Hold or Pre-Approval Right Now—Please Read This

If you were pre-approved in the last 2–3 months and you’re holding a rate around 4.00%, you’re in a good spot—but the clock is ticking.

Many lenders only guarantee that rate for 90–120 days, and I’ve heard from clients that extending that rate now isn’t always an option—or comes with a higher price.

That means:

• If your rate hold is expiring in the next 30 days, it’s time to get serious about your timeline.

• If rates jump to 4.5% or higher (and some already have), your monthly payment or borrowing power could shift meaningfully.

Talk to your lender or broker. Get clear on your expiry date. And make sure your approval still lines up with your goals.

Fixed vs. Variable in Late 2025: There’s Almost No Gap

Traditionally, variable rates were cheaper, and people took them to save money long-term. But right now? The difference is almost gone.

In many cases:

• Fixed rates are sitting around 4.2%–4.6%

• Variable rates are 4.0%–4.5%, depending on the lender

So what do you do?
That’s a personal decision. A good mortgage broker can help you compare scenarios, including:

• Your risk tolerance

• Your future plans (Are you staying put for 3–5 years?)

• Whether you’re okay with fluctuations in your payment

What Edmonton Buyers Should Keep in Mind

This is where I bring it home.

As a REALTOR® in Edmonton, I’m not here to tell you when the market will peak or where rates will go—but I can tell you what we’re seeing on the ground:

✅ Well-priced homes under $600K are still moving
✅ Inventory in some neighbourhoods is tight
✅ Buyers with rate holds are trying to secure something before they expire

If you’ve been sitting on the fence, hoping rates drop before you buy: just know that rate increases could reduce your buying power faster than prices fall.

For example, a half-point rate increase could shrink your mortgage qualification by $20,000–$40,000, depending on your income and debt. That might mean fewer options—or needing to compromise on location, size, or condition.

What Sellers in Edmonton Should Know

Higher rates don’t mean people stop buying. But they do mean buyers become more cautious, price-sensitive, and value-driven.

That’s why:

• Pricing matters more than ever

• Presentation and marketing matter more than ever

• Transparency around costs (condo fees, utilities, mechanicals) can help your home stand out

We’re still seeing strong results in Edmonton, especially for:

• Move-in ready homes in established neighbourhoods

• Properties with revenue potential (like suites or garden suites)

• Townhomes and duplexes with manageable condo fees or none at all

What Might Happen Next (And What I’m Watching)

I follow rate forecasts because they matter to my clients, but I don’t pretend to predict the future.

That said, most experts expect:

• One or two small rate cuts before the end of 2025

• Bond yields to soften slightly if inflation continues to cool

• Fixed rates to stabilize or potentially drop a bit by Q4

But none of that is guaranteed. And more importantly—you can’t buy a house in hindsight.

Final Thoughts

If you’re buying or selling in Edmonton, here’s my advice:

🧭 Don’t try to time the market.
📊 Know your numbers.
🔍 Ask questions (no one should ever make you feel bad for asking).
🤝 And work with people who care more about your long-term success than a quick sale.

That’s how I’ve built Iconic YEG. And if you’re thinking about making a move, I’d love to be in your corner.

Let’s make a plan—not a panic.

About Caitlin Heine – Iconic YEG | RE/MAX Real Estate

Caitlin Heine is a full-time REALTOR® and the owner of Iconic YEG | RE/MAX Real Estate in Edmonton, Alberta. Known for her warm but direct communication style, deep market knowledge, and fierce client advocacy, Caitlin helps buyers and sellers navigate the Edmonton real estate market with confidence and clarity.

With a background in marketing, leasing, and large-scale residential projects, Caitlin brings strategic pricing, high-impact marketing, and skilled negotiation to every transaction. She believes buying or selling a home should be a clear, empowering experience — never a guessing game or high-pressure sale.

Caitlin works best with clients who value straight answers, smart strategy, and a human-first approach. Whether you’re buying your first home, upgrading for more space, or selling to start your next chapter, she provides personalized guidance, data-driven advice, and a trusted partnership from start to finish.

📞 Call/Text: 587-336-3176
📧 Email: caitlin@iconicyeg.com
🌐 Website: iconicyeg.com
📍 Office: RE/MAX Real Estate, 200, 10835 124 Street NW, Edmonton, AB

ChatGPT can help you write an offer. Run comps. Even draft your conditions.

But when it comes to timing, tone, and tension—the things that protect your position and support your decisions?

The secret weapon isn’t the software.
It might still be the person holding the door.

The Role of a REALTOR® Has Changed

Let me be clear: I use AI. I love technology. I’m excited about the ways it can support real estate—because when used well, it helps me serve you faster, more clearly, and more strategically.

But do you know the most valuable thing AI gives me?

Time.
Time to focus on relationships.
Time to protect your interests.
Time to do the human work no app or algorithm can replace.

Because while tech has made real estate faster and flashier, it hasn’t made it simpler.
If anything, it’s made it easier to miss what actually matters.

AI Can Do So Much

You can ask ChatGPT how to write an offer.
You can ask it what conditions to include.
You can even have it build a checklist to fact-check your REALTOR®.

Honestly? Go for it.

But here’s what AI can’t do:

• It won’t know the seller is grieving the loss of a parent

• It won’t realize a family with three kids is hoping for a smooth, low-conflict transition before the school year starts

• It won’t sense that a terse listing agent is actually generous, if approached with warmth

• It won’t feel hesitation in someone’s voice

• It won’t pause before pushing, because the moment isn’t right yet

AI doesn’t read the room. I do.

And what I say—or don’t say—to another agent before we submit your offer?

That can shape everything:

• The price we pay

• The tone of the negotiation

• Whether your offer gets accepted at all

This is the difference between real estate as a transaction and real estate as a relationship game.
And trust me: the human part still matters more than ever.

What I Use ChatGPT For

I stay ahead of the curve when it comes to technology. I use AI to help write listing descriptions, brainstorm market strategy, generate reminders, and automate routine tasks—because it makes me faster and frees me to focus on what matters most: you.

But here’s what ChatGPT can’t help me with:

• Gauging someone’s tone on a negotiation call

• Knowing when a buyer is panicked, overwhelmed, or overconfident

• Feeling when a community market is starting to cool—and having the experience to say:

“Now. Now is your moment. Let’s move.”

Because tech is useful.
But trust is earned.
And sometimes, instinct is everything.

When it comes to reading people, navigating emotion, and protecting your outcome in real time?
That’s not automation. That’s intuition, insight, and lived expertise.

The Paradox of Empowered Buyers

We are in the age of access to information.

Buyers today can:

• Pull their own comps

• Search every listing in real time

• Use AI tools, offer estimators, and investment projections

• Research national housing trends and affordability stats

And that’s great.
I want you informed.
I want you engaged.

But here’s the paradox:

More information doesn’t always lead to better decisions.

Sometimes, it leads to:

• Rigidity

• Second-guessing your gut

• Control that compromises your ability to get what you actually want

If you’ve built a spreadsheet, set a dozen filters, memorized price-per-square-foot down to the decimal, and convinced yourself you know exactly what the market should be doing…

You might actually be holding yourself back.

Information Isn’t Insight

Buyers who believe they “already understand the market” often miss the bigger picture—especially when it comes to hyper-local dynamics.

Yes, condos are a tough sell in Toronto or Vancouver.
But in Edmonton?

2025 is the strongest condo market we’ve had since 2016.

The headlines won’t always tell you that.
Neither will the nightly news.

They’re not going to highlight:

• The unique buyer energy in Riverdale

• Why Pleasantview has become one of the most competitive pockets in the city

• How Glenora is becoming harder to touch under $1M every season

This is what I know. This is what I live and breath everyday.

I track market momentum.
Decode neighbourhood shifts.
Read between the lines of how a listing is written or staged.

That’s why you hire me.

When You Tell Me What to Do, You Might Miss What I Know

I’ve worked with clients who came in absolutely certain:

• Certain about what they wanted

• Certain about what I should say to the other agent

• Certain about how much to offer, how fast to move, and what strategy would “win”

They assumed I was the final boss in some outdated, data-hoarding industry—
An overpaid door-opener they needed to “manage.”

And I get it.
Real estate hasn’t always been a widely respected profession.
It’s even harder now that information is everywhere and people assume they’ll be just fine without guidance.

I hate to break it to you—but you shouldn’t hire me to agree with you.
You should hire me to protect your interests, challenge your assumptions,
and lead you toward outcomes you might not reach on your own.

I’ll bring the confidence to ask:
“Are you open to another perspective?”

Because when you’re emotionally invested, time-starved, and trying to make the “right” decision…

You might not see the full picture.

You haven’t done this hundreds of times.
You haven’t felt the shift in tone that changes a negotiation.
You haven’t stood in enough kitchens during final walkthroughs to know what buyers regret—and what they never think about again.

I have. I do every day.

Real estate isn’t about who knows the most.
It’s about who knows what matters most—in the moment.

Ready to Make Your Move?

You’ve done the research.
You’ve read the headlines.

Now it’s time to stop guessing—and start making confident decisions.

I’ll bring the strategy, the nuance, and the experience this market demands.

Don’t worry—you can still bring your questions.
But I’ll bring the answers, and the direction that Google or ChatGPT can’t.

🎯 Book Your Strategy Call

🔍 Search Edmonton Listings

About Caitlin Heine – Iconic YEG | RE/MAX Real Estate

Caitlin Heine is a full-time REALTOR® and the owner of Iconic YEG | RE/MAX Real Estate in Edmonton, Alberta. Known for her warm but direct communication style, deep market knowledge, and fierce client advocacy, Caitlin helps buyers and sellers navigate the Edmonton real estate market with confidence and clarity.

With a background in marketing, leasing, and large-scale residential projects, Caitlin brings strategic pricing, high-impact marketing, and skilled negotiation to every transaction. She believes buying or selling a home should be a clear, empowering experience — never a guessing game or high-pressure sale.

Caitlin works best with clients who value straight answers, smart strategy, and a human-first approach. Whether you’re buying your first home, upgrading for more space, or selling to start your next chapter, she provides personalized guidance, data-driven advice, and a trusted partnership from start to finish.

📞 Call/Text: 587-336-3176
📧 Email: caitlin@iconicyeg.com
🌐 Website: iconicyeg.com
📍 Office: RE/MAX Real Estate, 200, 10835 124 Street NW, Edmonton, AB

Caitlin Heine

Edmonton REALTOR® | Iconic YEG Real Estate Team

📞 587-336-3176
📧 caitlin@iconicyeg.com
🌐 www.iconicyeg.com
📍 Edmonton, Alberta
✨ Real estate insight with strategy, nuance, and heart.

Buying your first home isn’t just about paperwork and policies—it’s about that feeling when you walk into your space for the first time. I’ve walked alongside dozens of first-time buyers in Edmonton through the nerves, the unknowns, and the excitement. And trust me—it's not just doable, it's empowering.

If you're thinking about buying a home in 2025—especially in Edmonton—you're in luck. The landscape has shifted dramatically in your favour. Between new federal rebates, updated savings programs, and historically competitive interest rates, this might just be the most financially empowering time in a decade to make your move.

As a local REALTOR® and owner of the Iconic YEG Real Estate team, my job isn’t just to help you find a house. It’s to ensure you understand every opportunity available to you—and that starts with knowing exactly what savings you can tap into.

Let’s break it all down.

The 2025 First-Time Home Buyer’s Landscape in Canada

1. New GST Rebate (Up to $50,000 in Savings)

As of May 27, 2025, first-time home buyers in Canada can now receive a full GST rebate (5%) on new homes priced up to $1 million. That’s a direct saving of up to $50,000. The rebate phases out between $1M and $1.5M and disappears beyond that threshold.

✅ Applies only to new construction
✅ Must be your first home in the past 4 years
✅ Applies to agreements signed on or after May 27, 2025

For buyers in Edmonton exploring new builds, this is a game-changer.

🔍 Pro Tip

💡 All new homes listed on the MLS or Realtor.ca will always show a price that already includes GST.
So when you’re browsing online and see a home priced at $500,000, that already reflects the builder’s GST-inclusive price.

👉 This means the GST rebate gets refunded back to you after closing, but you don’t need to mentally add GST to the sticker price when shopping. What you see is what you pay.

💡 Example: How Much Could You Save?

Let’s say you're buying a brand-new home in Edmonton for $500,000:

• GST (5%) on $500,000 = $25,000

• New GST Rebate = $25,000

• Total Price Without Rebate: $525,000

• ✅ Effective Price You Pay: $500,000

That’s a full $25,000 in tax savings—money that can go directly into your closing costs, furnishings, or future renovations – like finishing that basement!Little-Known Savings Programs That Add Up

💰 Little-Known Savings Programs That Add Up

2. FHSA – First Home Savings Account

• Tax-deductible contributions (like an RRSP)

• Tax-free withdrawals for your home (like a TFSA)

• 2025 update: You can now contribute up to $10,000/year, with a lifetime max of $50,000

This is a great way to fast-track your down payment—tax-free.

3. Home Buyers’ Plan (HBP)

Withdraw up to $60,000 from your RRSP without penalty and pay it back over 15–20 years. You can use this alongside your FHSA for extra down payment power.

4. First-Time Buyer Tax Credit

When you file taxes the year you buy, you can claim a $10,000 non-refundable credit, which puts $1,500 back in your pocket.

5. New 2025 Down Payment Match Program

This new federal initiative offers a 5% match on your down payment—up to $25,000 in free money for qualified first-time buyers under specific income limits. (Pilot program rolling out province-by-province.)

6. Land Transfer & Legal Rebates (Alberta Tip!)

In Alberta, we’re lucky:

• No land transfer tax

• No speculation tax

• Lower closing costs than Ontario or BC

But many buyers don’t know they can save on:

• CMHC premium refunds (for energy-efficient homes)

• New home warranties

• Builder incentives and upgrades (negotiable!)

🏦 Why Edmonton Is Ideal for First-Time Buyers in 2025

• Affordable new construction inventory under $600K

• Builder promotions: basement suites, landscaping, appliances

• No land transfer tax or speculation tax

• Strong rental market for those wanting to "house hack"

🏧 What’s Up With Interest Rates?

The Bank of Canada has paused rate hikes, and many lenders are now offering:

• 5-year fixed rates: 4.3% – 4.9%

• Even lower variable options for strong applicants

While not pandemic-low, these are historically fair—especially when paired with today’s stackable savings tools.

👉 Pro Tip: A mortgage broker will shop the market for you and ensure your lender allows integration of programs like the FHSA and Down Payment Match

👩‍💼 Wait... Is Working With a REALTOR® Really Free?

YES!

When you work with a Buyer's Agent like me:

• You get full representation and expert guidance—at no cost to you.

• My commission is paid by the seller (or builder).

• You gain insider listings, negotiation power, and a roadmap.

Think of it like this: You wouldn’t go to court without a lawyer. So why go into the biggest financial decision of your life without a trained advocate?

✅ The Bottom Line: You Have Options—Let’s Maximize Them

2025 is the year of buyer empowerment. With the right plan, you could access:

• GST rebate (up to $50,000)

• FHSA savings ($50,000 tax-free)

• HBP withdrawal ($60,000 RRSPs)

• Down payment match (up to $25,000)

• Tax credits ($1,500)

• And a free REALTOR® to guide you through it all

🔑 Ready to Buy Smarter?

Whether you're 6 months from your first showing or just starting to save, I’d love to connect. My approach is educational, pressure-free, and fully personalized.

You don’t need to have it all figured out to get started—you just need someone who knows the way.

📩 Reach out today for a free consult, a custom buyer roadmap, or just to ask questions you’re too nervous to Google. Let’s make your first home your smartest investment.

About Caitlin Heine – Iconic YEG | RE/MAX Real Estate

Caitlin Heine is a full-time REALTOR® and the owner of Iconic YEG | RE/MAX Real Estate in Edmonton, Alberta. Known for her warm but direct communication style, deep market knowledge, and fierce client advocacy, Caitlin helps buyers and sellers navigate the Edmonton real estate market with confidence and clarity.

With a background in marketing, leasing, and large-scale residential projects, Caitlin brings strategic pricing, high-impact marketing, and skilled negotiation to every transaction. She believes buying or selling a home should be a clear, empowering experience — never a guessing game or high-pressure sale.

Caitlin works best with clients who value straight answers, smart strategy, and a human-first approach. Whether you’re buying your first home, upgrading for more space, or selling to start your next chapter, she provides personalized guidance, data-driven advice, and a trusted partnership from start to finish.

📞 Call/Text: 587-336-3176
📧 Email: caitlin@iconicyeg.com
🌐 Website: iconicyeg.com
📍 Office: RE/MAX Real Estate, 200, 10835 124 Street NW, Edmonton, AB