Alberta Real Estate Tutor

Enroll in courses here: https://www.albertarealestateschool.com/shop/ or call our Success Team at : 587-936-7779   Do Real Estate Ads Need the Brokerage Name? Social Media Rules Explained   Do real estate advertisements on Instagram, Facebook, or social media need to show the brokerage name? If a real estate professional is advertising a property or real estate services, brokerage information requ...

Enroll in courses here: https://www.albertarealestateschool.com/shop/ or call our Success Team at : 587-936-7779 Confused about default insurance and title insurance? They are not the same thing. Default Insurance (High-Ratio Mortgage Insurance) When a buyer has a high-ratio mortgage — meaning: ✔️ Down payment is less than 20% ✔️ Loan-to-Value (LTV) is greater than 80% …the borrower is generally r...

Trying to understand first mortgages, mezzanine loans, junior mortgages, and the capital stack in commercial real estate? Think of the capital stack as the mix of debt and equity used to finance a commercial property purchase or development. For example, on a $5 million commercial project, a bank may not finance the entire amount — especially on higher-risk projects with limited leases, constructi...

Can a Brokerage Use a Client List for Marketing? Consent Rules Explained Enroll in courses here: https://www.albertarealestateschool.com/shop/ or call our Success Team at : 587-936-7779   Can a brokerage use its client list for marketing without getting additional consent? It depends on what the marketing is for. In real estate, client relationships are typically between the brokerage and the clie...

Are Residential Mortgages Really Simple? | Alberta Mortgage Exam Prep Are residential mortgages simple… or can they be just as complex as commercial deals? Many students assume commercial mortgages are complicated and residential mortgages are straightforward. That assumption can cost you marks on the Alberta mortgage licensing exam. In this video from The Alberta Real Estate School, we break down...

With Tenants in Common, each owner holds a separate ownership share, and their interest passes to their estate — not automatically to the co-owner. Example: If two friends purchase a rental property together and register as joint tenants, one friend's share would automatically transfer to the other upon death. That may not align with their estate planning intentions. This is why understanding owne...

How to Use Active Listings in a CMA | Alberta Real Estate Exam Prep When preparing a Comparative Market Analysis (CMA), should you use only sold properties — or do active listings matter too? This is a very common Alberta real estate exam question, and it's also a real-world conversation you will constantly have with sellers. In this video from The Alberta Real Estate School, we break down: • Why...

Classes of Real Estate Licenses in Alberta Explained | RECA Exam Prep Can you hold more than one real estate license in Alberta? And what exactly does "class of license" mean? This is a commonly misunderstood topic on the Alberta real estate and mortgage licensing exams — and it shows up in tricky RECA-style questions. In this video, we break down: • The four classes of real estate licenses in Alb...

This is one of the most tested comparison questions on the Alberta real estate and mortgage licensing exams — and understanding the distinction is critical. In this video from The Alberta Real Estate School, we break down the differences clearly and simply: CMA (Comparative Market Analysis) • Prepared by a real estate professional • Used to help buyers write offers • Used to help sellers determine...

Transaction Brokerage in Alberta: Do You Disclose a Second Offer? What happens if another offer comes in during transaction brokerage? This is a highly tested concept on the Alberta real estate licensing exam — and many students get it wrong. In this video from The Alberta Real Estate School, we explain how disclosure works when you are acting in transaction brokerage and a second offer is receive...

RMS Measurements & Sloped Ceilings Explained | Alberta Real Estate Exam Prep How do sloped ceilings affect RMS measurements in Alberta? This is a highly tested measurement concept on the Alberta real estate licensing exam — and it can be confusing if you don't understand the two-step rule. In this video from The Alberta Real Estate School, we break down RMS height requirements clearly and simply....

Can you add conditions after an offer has already been accepted? This is one of the most common questions students ask when preparing for the Alberta real estate licensing exam. In this short training video from The Alberta Real Estate School, we break down exactly what happens once an offer is accepted — and whether new conditions can legally be added afterward. Here's the key principle: Once an...

If There's No Buyer's Agent, Does the Seller Save on Commission? 💰🏡 | Alberta Real Estate Explained In this Q&A session, Raman explains what really happens when a buyer comes without an agent — and whether the seller actually saves on commission. Here's what you'll learn in this video: 🤝 How Commissions Work: • Typically, the seller agrees to pay a total commission, which is then split between...

Broker Delegation of Responsibilities 🏢 | How Brokers Can Delegate Tasks in Alberta In this Q&A session, Raman explains how broker delegation works in Alberta real estate brokerages — an important concept for both brokers and associates to understand. Here's what you'll learn in this video: 🧑‍💼 When Delegation Happens: • A broker may delegate responsibilities if they're away on vacation, out of...

How Do You Access MLS in Canada? 🏡 | Realtor.ca vs. Licensed MLS Access In this Q&A session, Raman clears up a common confusion about MLS® access. Here's what you'll learn in this video: 🔍 Public Access: • Anyone can search for properties through realtor.ca, Canada's public-facing platform that displays active MLS listings. • This is different from having direct MLS access as a licensed REALTOR®...

Investing Condo Fees… Where Does the Interest Go? 🏢💰 | Alberta Condo Reserve Funds Explained In this Q&A session, Raman answers a question many condo owners — and future REALTORS® — have: when condo fees are invested and earn interest, where does that money go? Here's what you'll learn in this video: 🏦 How It Works: • Condo corporations often invest the money collected through condo fees. • Any...

Who Likes Condominiums? 🏢 | Why Seniors and Young Buyers Choose Condos in Alberta In this Q&A session, Raman explains why condominiums appeal to different groups of buyers, from seniors to young professionals and first-time homeowners. Here's what you'll learn in this video: 👵 Seniors & Retirees: • Condos offer low-maintenance living — no lawn mowing, no snow shoveling, and no major repair respo...

Joining a Cloud Brokerage as a New Realtor 🏡☁️ | What to Consider Before You Decide   In this Q&A session, Raman shares an honest and practical perspective on what new REALTORS® should think about before joining a cloud brokerage. Here's what you'll learn in this video: 🤝 Mentorship Matters — As a new agent, you'll likely need more hands-on support. Joining a cloud brokerage where your mentor is...

Do You Need an ESA Every Time for a Rural Property? 🌾🏡 | Environmental Site Assessment Explained In this short Q&A session, Raman answers a common financing question: 👉 Do lenders require an Environmental Site Assessment (ESA) every time for a rural property? Here's what you'll learn: 🏡 ESA Requirements Depend on the Lender — Not every transaction requires a brand-new ESA. 📅 Age of the Report...

Can a Mortgage Insurer Come After You if You Default? | CMHC Explained   In this Q&A session, Raman clears up a big misconception about mortgage default insurance in Canada. Many people believe that once CMHC or another insurer pays the lender, the borrower is off the hook — but that's not always true.   Here's what you'll learn in this video: What Happens After Default: If a buyer defaults, CMHC...

Getting to the Bottom of Mortgage Insurance in Canada 🏡 | CMHC, High-Ratio Mortgages & First-Time Buyers In this Q&A session, Raman breaks down one of the most misunderstood topics in Canadian real estate — mortgage default insurance (a.k.a. CMHC insurance). Here's what you'll learn in this video: 🏦 When Mortgage Insurance Is Required — Anytime a buyer puts less than 20% down, lenders require de...

Does Renting a Room Make Your Property a Rental Property in Alberta? 🏡 💬 In this Q&A clip, Raman explains an important legal distinction in Alberta real estate — whether renting out a room in your home makes it a rental property. Here's what you'll learn in this session: 🏠 Owner-Occupied Rentals: • If you live in the property and rent out a room, it's not typically considered a full rental prop...

Why We Pull the Title and Historical Title in Alberta Real Estate 🏡 | Must-Know for REALTORS®   In this Q&A clip, Raman explains why real estate professionals in Alberta should pull both the current title and the historical title when working with a property. Here's what you'll learn in this session: 📄 Current Title Search — Confirms the legal owner, outstanding liens, mortgages, encumbrances, p...