Why Fall 2025 May Be the Best Time to Buy a Home in BC and Alberta

 

Best Time to Buy a Home

As the Canadian real estate market shifts gears, homebuyers in Abbotsford, Surrey, and Edmonton have a compelling reason to take action before the year ends. A convergence of lower home prices, stable interest rates, and rising inventory is giving well-prepared buyers an edge—not seen since the pandemic housing boom.

Here’s why Fall 2025 could be your strategic window.

Inventory Is Up, Prices Are Cooling

Fraser Valley and Edmonton housing boards have reported double-digit increases in active listings compared to earlier this year. This increase is creating a more competitive environment for sellers, and in turn, giving buyers the upper hand in negotiation and selection.

With prices adjusting downward in many segments, the market is slowly transitioning into a buyer’s market—but the window may not stay open long. Smart buyers are using this time to make offers below asking, ask for repairs, or even negotiate lower down payments through shared equity options.

If you're ready to explore what's possible, consider speaking with a mortgage advisor for a pre-approval consultation to lock in your rate and plan your property search strategically.

Rates Are Holding—But Not Forever

The Bank of Canada’s rate hold on July 30, 2025, created temporary stability in the mortgage market. But leading economists are split on whether another adjustment might arrive in late Q4 as inflation data evolves.

That’s why many are leveraging rate holds of up to 150 days, locking in today’s deals while still searching for their dream home. For residents of BC and Alberta, working with a local mortgage partner who understands the landscape is critical.

Sandhu & Sran Mortgages has already helped dozens of families this summer secure rate protections on both fixed and variable mortgage products. Connect with an advisor today to make your move before the landscape shifts again.

Why Waiting Could Cost You More

While it’s tempting to wait for deeper price cuts, delaying your purchase can backfire if rates climb or lender promotions disappear. Moreover, as more buyers return to the market, competition can heat up again—especially in Surrey’s townhome market and Edmonton’s family-sized inventory.

If you’re renewing your mortgage or carrying equity in your existing home, it may also be a good time to evaluate refinancing opportunities or mortgage transfers for better terms.

Maximize Your Buying Power with Professional Guidance

With so many moving pieces, the value of a professional mortgage guide cannot be overstated. Sandhu & Sran Mortgages specializes in helping buyers across:

  • Abbotsford and Fraser Valley: Market seeing fresh resale inventory and softening prices
  • Surrey and Metro Vancouver: Competitive lender promotions and pre-sale opportunities
  • Edmonton and Alberta: Rising inventory and a strong affordability index for buyers

Whether you're a first-time buyer, investor, or upscaling family, the team ensures you access not just the right product, but the right strategy.

Get your mortgage strategy started here.

Final Note

As we move deeper into the second half of 2025, opportunities are emerging that savvy buyers should not ignore. A stable interest rate environment, combined with increased property choice and flexible financing options, makes this one of the most favourable buyer windows in recent memory.

The key is acting with clarity—and with the right advisor.

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