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Calgary communities

Buying in The Established North

Thorncliffe, Huntington Hills, Beddington and Country Hills — solid older housing, close in, quietly good value.

Housing stock

Mostly 1960s–1980s bungalows and split-levels on large lots, with 1990s development further north.

Tends to suit
  • Value buyers
  • Renovators
  • Suite potential
  • Families

Thorncliffe, Highwood, Huntington Hills, Beddington, Sandstone, Harvest Hills and Country Hills form north-central Calgary. It is unglamorous and consistently underrated: large lots, mature trees, well-built older homes, and a location that is genuinely close to downtown and the airport.

The bungalows here — big lots, separate entrances, decent ceiling heights — are among the better secondary-suite candidates in the city, which is a large part of the appeal for buyers doing the arithmetic.

Financing a home in The Established North

Suite legality is again the deciding factor: a permitted, registered suite lets a lender use the rental income, an unpermitted one usually does not, and the difference can be tens of thousands of dollars in purchasing power. On the building side, homes of this age are prime poly-B and aluminum-wiring territory, both of which can affect insurance availability and therefore funding. A purchase-plus-improvements mortgage is often the right structure here if the house needs work.

Ask me about The Established North

Questions about The Established North

What kind of homes are in The Established North?

Mostly 1960s–1980s bungalows and split-levels on large lots, with 1990s development further north.

Who does The Established North suit?

The Established North tends to suit value buyers, renovators, suite potential, families. Thorncliffe, Huntington Hills, Beddington and Country Hills — solid older housing, close in, quietly good value.

Is there anything unusual about getting a mortgage in The Established North?

Suite legality is again the deciding factor: a permitted, registered suite lets a lender use the rental income, an unpermitted one usually does not, and the difference can be tens of thousands of dollars in purchasing power. On the building side, homes of this age are prime poly-B and aluminum-wiring territory, both of which can affect insurance availability and therefore funding. A purchase-plus-improvements mortgage is often the right structure here if the house needs work.

Other Calgary communities

The full guide to living in Calgary

Calgary clients

Real reviews from people who financed homes here. A lot of them have now renewed with me two and three times.

As I had previously only gone through my bank for my mortgage, I was hesitant at first to go through a mortgage broker. However, after contacting Josh, who explained all of my options in detail, I felt very comfortable with my choice. He was able to answer all of my questions and was very quick to respond to any of my inquiries. We received a great rate and were extremely happy with Josh's services.

Sumana D. · Calgary
Switched from a bank

I have worked with Josh for 10 years now and he has made our mortgage process very comfortable, which can sometimes be overwhelming. His professionalism, promptness in getting back to us whether by phone or e-mail, and overall industry knowledge provides comfort that we are in good hands. He is very open and honest, is not pushy, and offers the best solution that fits our needs. People say you need a good lawyer — I say you need a good mortgage broker, and Josh is your guy.

Damian & Laura G. · Calgary
10-year client

I went looking for a mortgage broker in Crowfoot and contacted Josh. My situation was complicated by the oil crisis: I had a second mortgage based on an assessment from the previous year that valued my home higher than the current assessment, so I no longer had 20% equity. Josh got both mortgages rolled into one with 0.2% less interest than CIBC's four-year offer — and I got that for five years. Really pleased with the result.

Calgary homeowner · Calgary
Refinance through the oil downturn

Ready to talk about a Calgary mortgage?

Two ways to start: book a call and we'll talk it through, or start the application online and I'll come back to you with what you qualify for. Neither pulls your credit until you say so.