June 2026

You've made an offer on a Calgary home. The seller accepted. Your mortgage broker is moving fast. And then, somewhere in the process, someone mentions a "home appraisal," and suddenly there's a new number on the table that could change everything.

What is a home appraisal? Why does your lender need it? And what happens if it doesn't come back the way you hoped?

Here's what every Canadian homebuyer, seller, and homeowner refinancing should know.

For informational purposes only. Always consult with a licensed mortgage or home loan professional before proceeding with any real estate transaction.

Quick Facts About the Appraisal Process

• Your lender bases your mortgage on the lower of the appraised value or the purchase price
• Appraisals

Moving is genuinely hard. Researchers have studied this for decades, and the conclusion is always the same: relocating disrupts nearly every part of your daily life at once, and that’s stressful even for people who normally thrive on change.

The good news is that most moving stress is manageable. This guide covers practical steps to reduce stress at every stage of your move, from the first cardboard box to settling into your new neighbourhood. Much of it comes down to timing, planning, and knowing what to expect.

How to Cope With the Stress of Moving: A Checklist

Screenshot this or send it to whoever you're moving with.

• Start planning at least 8 weeks out. A moving timeline and checklist help.
• Declutter before you pack—less stuff