The Mortgage Stress Test Could Affect Your Dream Home

Thu, 16 Nov by TruHome


We all dream about our perfect home, the one with open concept, bright and spacious rooms beautifully laid out with that living room set you saw at Restoration Hardware. You can almost hear the leaves sway gently as you step out the front door onto that beautiful tree-lined street in Ritchie. Then, you wake up, in front of some headline about Canada’s new mortgage “Stress Test”, and reality sets in.

Don’t Panic. It may not affect you and even if it does, you’re the resourceful type after all. You know how to stretch a budget and now you’re remembering that perfect living room set you saw at Structube. Everything is going to be okay.

Here’s What You Need to Know

On January 1, 2018, all buyers that are ready to buy a home with a 20% down payment or greater, that are used to today’s way of qualifying for a mortgage, won’t be able to receive as many mortgage dollars as they thought they might be able to. This new “Stress Test” being implemented will reduce your borrowing power by 25%. It will also apply to refinancing a home and will reduce your refinancing ability by 25% compared to today. There’s still time to avoid these changes. If you’re considering buying in the near future, speak to someone today to see if this will affect you.

Mortgage qualifications are changing on January 1, 2018, and you can expect more adjustments to rates and qualifying factors coming soon.

A Bit of the WHY Behind These Changes

Over the last year, we have seen a few changes to the way mortgages work and people apply. The first Stress Test implemented in the summer of 2017 was done so to reduce the purchasing power of high ratio buyers (buyers with less than a 20% down payment). This was done to be sure buyers could easily afford and renew their mortgage in an economy where house prices may be high and rates are going up.   

As of January 1st, 2018, the new Stress Test will apply to conventional financing, (buyers with a 20% down payment or more). This stress test will look a little different. For a buyer with 20% down, the Stress Test says that all lenders must qualify the borrower(s) at the Benchmark Rate. The Benchmark rate on the day of this writing is 4.99%

As mortgage Brokers, we have a formula that takes the interest rate into account along with your debt and your income and we produce a mortgage number that falls within an acceptable range of your borrowing opportunity. It is important to know that your contract rate is different than the Benchmark rate. That means the contract rate for your mortgage with good credit, a good job and an acceptable down payment and all things looking great would likely be between 2.99% to 3.09% for a five year fixed term. And this is the rate that your payment would be based on. ( so this is good) BUT…

As of January 1st 2018, buyers with a 20% down payment or more or that have equity in a home and are refinancing must qualify for a new mortgage or refinance at the greater of the Benchmark rate which at the time of this writing is at 4.99% or an interest rate 2% higher than the contract rate that your payment will be based on. This qualifying procedure will reduce your purchasing/refinancing ability by 25%.

Why did the rules change…well, the Federal Government is saying that rates are on the rise. They are also trying to control the overpriced housing market in the bigger cities like Vancouver and Toronto and we all have to follow suit.

The current stress test reduces a new buyer’s purchasing ability by 20% and the Stress test being implemented Jan 1st, 2018 reduces a conventional buyer’s purchasing ability by 25%. So, I can tell you that you could have had a bigger mortgage last summer but those days are changing.

Don’t Panic

Times have changed, but what has not is that owning a home is a fabulous asset in your financial portfolio, and often, an appreciating asset at that! Start shifting the rooms in your dream home and be prepared to get creative. Keep planning and dreaming about home ownership! Owning that home of your dreams is very, very possible. It just might take an extra step to get there.

At River City Financial we believe in financial education, we think that is where the power is. Yes you can still get a mortgage for your new home easily enough and yes you will still find stylish furniture that will fit into your new Edmonton house. Things are just a little tighter in the financing world today than yesterday, and your furniture will still look great in your new place!

Come chat with us at River City Financial and we will a have a full conversation and help you make the best decision for you. Anyone on my team at River City Financial will help you get ready for the next steps of home ownership and understand what you can afford.

Yvonne Wilchewski

River City Financial, Broker/Owner

CFF Bank Center, Owner

Yvonne Wilchewski is an accredited mortgage broker in Edmonton, Alberta. With over 20 years of experience in the Mortgage Industry, she offers mortgage ideas that will be profitable for you and your family. River City will strive to get you the best rates possible along with the best product for your specific mortgage needs.



How Edmonton Moves

Thu, 09 Nov by TruHome

How do you get around the city? The City of Edmonton wants to get you out of the car and has many initiatives in place including new LRT lines and bike lanes. But what about right now? We looked at the City of Edmonton’s 2016 Census results to get a feel for how our city moves.

As you can see, we are a city that drives. Even in central Edmonton, over half the people get around by driving. That said, you can see how the LRT line increases transit use along the line.

It will be interesting to see what happens to people’s commute choices as more LRT and bike options become available. We can’t wait to see what the numbers say about the new downtown bike network.

So, are we a well-off city with a manageable population that makes driving convenient and the costs associated with it are within our budgets? Are we a bad example of urban sprawl making dedicated transit solutions impossible and we’re being forced to drive? Is it poor transit planning or an unwillingness to invest in infrastructure that could affect this balance? Or are we just an oil city that prefers the comfort and independence of a vehicle?

Let us know what you think.

More on Edmonton’s commuting preferences to come.

The Highs and Lows of Edmonton’s Condo Fees

Thu, 19 Oct by TruHome

It’s important to factor condo fees into your decision when thinking about buying a condo.

Unexpected costs can really mess up a budget. A little miscalculation or a few unknown expenses can compound and either ruin a well laid out plan or stretch your budget to an uncomfortable level. The more of these you can avoid, the more enjoyable buying an Edmonton condo is going to be.

We know you’re busy, and there is an overwhelming amount of information from an equally overwhelming number of sources. How are you supposed to process it all and find exactly what you need to know? Don’t worry about it. We’re constantly collecting this information to support and inform Edmonton’s buyers; so, let us do the hard work for you.

We looked back at the last few years to see what condo fees were for condos for sale in the Downtown and Oliver areas. We took the median price for each condo building, although some only had a single condo. We hope this will give you a general idea of the condo fee per building.

Most of the condos had information on condo fees. However, if you do not see a condo that you’re interested or you have any questions, please contact us so that we can help you get this information. Different condos will provide different services or amenities with these fees, and we can also help you get this information.

Downtown Condo Fees

The lowest condo fee we found in Downtown was at Ultima, which was less than $300/month. The highest fee was at Valley Towers, with a median fee over $1000/month.

Less than $400/month

$400 – $450/month




More than $600/month

Oliver Condo Fees

The lowest condo fee we found in Oliver was at The Five, which was on average $200/month. The highest single condo fee was at The Carlisle at over $2400/month.

Less than $300/month








Greater than $650/month

While this gives a general idea of what each condo charges in condo fees, keep in mind, it isn’t that simple. Not all condo fees include the same things (ex. heat, water/sewer, landscaping, management etc). Each condo also varies based on costs due to long-term maintenance and number of units per building.

Which Edmonton Neighbourhoods Are The Most or Least Dense?

Fri, 22 Sep by TruHome

At TruHome, we are interested in the makeup of Edmonton, so that we can provide our clients with all the information they need to buy or sell their home.

Which areas of the city do you think are the most dense in Edmonton?

In order to do this, we calculated the density as the number of people living in a square kilometre (km²) in each neighbourhood. So what exactly is a square kilometre? To give you an idea of what a square kilometre is, we measured the area of a typical block in Garneau. Approximately 30 blocks would fit into 1 km². Therefore, in Garneau, about 340 people live in each block. Although city blocks do not stay consistent in size in Edmonton, this gives you a feel for what these numbers mean.

Typically, the more dense communities  have apartments and other higher density living options.

Most Populated Edmonton Neighbourhoods

1) Garneau (11810 people/km²)

With a total population just shy of 10k and a smaller area of only 0.8 km², this neighbourhood is the densest in Edmonton. When one thinks Garneau, the University of Alberta is often talked about. This neighbourhood is a hot location for students, professors and those who like the eclectic energy Garneau offers. Situated along the river valley and surrounded by 109th Street and 82 Avenue, this neighbourhood is a perfect place to enjoy good cafes, great food and be inspired by the historical and modern attributes of the university.

2) Oliver (10647 people/km²)

With almost double the population of Garneau but also double the land area, Oliver is the 2nd most dense neighbourhood in Edmonton. Again with many apartments in this region, this is no surprise. Located on the northern side of the river, Oliver is 1 LRT ride away from the university. In Oliver you will find a diverse population ranging from students, to professors, to business professionals, to young families. People love Oliver for the beautiful greenery, the close walkability to the core, the amenities and quick transportation routes.

3) Boyle Street (7647 people/km²)

Boyle Street is situated to the east of downtown, Edmonton. The city of Edmonton has large aspirations for this neighbourhood and are actively developing The Quarters here as well as the new LRT line. Boyle Street offers a wide range of options when it comes to affordability of homes. While still largely apartment style, there is a mix between newer high-rises along the river to low rises. This neighbourhood is walkable to the Stadium and provides a quick commute to downtown.

4) Callingwood South (7132 people/km²)

With West Edmonton Village, one of Edmonton’s largest multi-unit complexes, this neighbourhood is the most dense area outside of the city’s core. However, it is still almost half the density of the top spot Garneau. Callingwood South is close to West Edmonton Mall and boasts an excellent farmer’s market each week during the summer/fall months.

5) Cromdale (5737 people/km²)

Cromdale is the smallest region of the top 5 densest neighbourhoods, at only 2059 km². So even though only about 2000 residents call this neighbourhood home, many live in more dense homes such as apartment buildings. Situated to the east of Boyle Street, it too offers great commutability, close to the Stadium LRT, Save-On Foods, the river valley and more.

Some other neigbhourhoods were just shy of the top 5, including Downtown (with over 12,000 Edmontonians calling it home), Strathcona and South Terwillegar (both with almost 9000 residents).

Least Populated Neighbourhoods

Excluding industrial areas as well as areas on the outskirts of the city not yet fully developed, the least dense neighbourhoods in the city in 2016 were:

1) Cloverdale (839 people/km²)

With large portions of this neighbourhood covered by park space, it makes sense that Cloverdale is the least dense area of the city. Beautiful Gallagher park, with it’s amazing views of downtown, is the setting for the prestigious Edmonton Folk Music Festival. Located just south of the river, with a mix of condos and single detached houses, this is a beautiful neighbourhood for those that want to live in the centre of the city, close to Downtown.

2) Westbrook Estates (928 people/km²)

Again most of this neighbourhood is occupied by green space, this time by The Derrick Golf and Winter Club. This private club provides family friendly year-round activities, including golf, tennis, swimming, cross country skiing, and curling. Most of the architecturally designed homes in this neighbourhood are situated on large lots backing onto either the golf course or the picturesque Whitemud Creek Ravine.

3) Rossdale (954 people/km²)

Although debatable to include in the top 5 since a large portion of the neighbourhood is taken up by the power and waste water treatment plants as well as the RE/MAX baseball field, we included it since this is a well known mixed residential area in the heart of Edmonton. Rossdale is one of Edmonton’s oldest neighbourhoods, now mostly made up of apartment buildings with a small portion of single detached homes. Some of these homes are over 50 years old!

4) Prince Rupert (1128 people/km²)

With the old municipal airport to the east, it will be interesting to see how this older neighbourhood changes as the Blatchford Area is converted to residential. The innovative Blatchford Area design is focused on sustainability and community, with about 30,000 residents expected to live there at it’s completion. Prince Rupert is an affordable option for people looking to live central right now. It is especially close to Kingsway Mall, NAIT, and the Royal Alexandra Hospital.

5) Richford (1282 people/km²)

With a population of only about 760 people and a land area of only 0.6 km², this area is again low in density because of lots of green space. Richford has Ellerslie Rugby Park plus the Blackmud Creek Ravine along its boundaries. Close to the Anthony Henday for commuting around the city, this neighbourhood has a mix of apartments and single detached homes.

What do you think of the most and least dense regions of Edmonton? Would this affect where you decide to live? If you have questions or are looking for guidance on buying or selling Edmonton Real Estate, get in touch and let’s chat.

Data Source: 2016 census data from the City of Edmonton

Disclaimer: The data included on this website is deemed to be reliable, but is not guaranteed to be accurate as we are relying on data insight from 3rd parties. 

Will My Edmonton Home Flood?

Wed, 09 Aug by TruHome

Understanding Edmonton’s Flood Maps

At TruHome, we aim to provide our clients with the information needed to make educated choices about buying a home in Edmonton. In 2017 there has been much talk about the release of the Edmonton flood maps and what they mean. One of the most common questions we get related to this topic is: What are the chances of my house flooding?

Of course, the reality is that no one can fully predict the future. However, it is possible to understand how at risk your home may be and what you can do to reduce the chances of flooding.

Understanding Drainage Systems

Flooding can be caused by a variety of factors. The first factor to look at is the City of Edmonton’s drainage system.

During severe rainstorms, the City’s current drainage system can be overwhelmed, leading to potential basement flooding and/or dangerous amounts of water pooling on streets and roads.

After severe storms in recent years, the City of Edmonton decided to proactively study flood mitigation. This research completed by the City primarily concentrated on Edmonton neighbourhoods built before 1989. The reason newer communities were not reviewed is because they have different drainage systems that are expected to be able to handle more severe storms.

The city modelled a large four-hour rainstorm over each area, which is assumed to be the worst-case scenario for rainfall for Edmonton. Two different issues were looked at in the model: surface ponding and surcharge depths.

We have highlighted the results of this study below. However, more information about Edmonton surface ponding and surcharge depths can be found at the City of Edmonton Data website

Understanding Surface Ponding

Surface ponding reflects how deep the water would be on the street during a severe rainstorm. The City of Edmonton’s acceptable standard is <0.35m, which is displayed as green on the map below. Orange corresponds to water that would reach half-way up a car, while red indicates water reaching just over the hood, and maroon reflects an even higher depth.

Understanding Surcharge Depth

Surcharge depth demonstrates how full the City of Edmonton’s pipes would get during a high volume rainstorm. As the pipe over fills, the extra flow of water may increase the chance of basement flooding. Red indicates that the pipes are at their capacity.

Historical Flooding

The City of Edmonton has also mapped out all reported historical flooding. To view your Edmonton house with all three pieces of data together, refer to the maps provided by the City related to Edmonton Wide Flood Mitigation

While this data provides a general idea of what could result on your street, this does not mean it will work exactly as predicted. That being said, the model seems to match up with flood history, and is still a valuable tool to understand where the problem areas in the city may be.

Future Direction

The City of Edmonton council reviewed the flood mitigation study last month, and have decided to move forward with a further risk-based analysis. This is expected to be released in August 2017.

The goal is to figure out the optimal sharing of risk of these extreme storms between the City of Edmonton, insurance companies, and disaster response to be allocated from the federal and provincial tax dollars.

The City of Edmonton is planning to allocate some level of infrastructure funding to help with flood prevention, but at some point it “might cost less to deal with the problem when it happens, if it happens” stated city councillor Ben Henderson , Ward 8 when he was interviewed by the Edmonton Journal.

Understanding River Levels

Another factor when it is comes to flooding is due to the rise of the river’s levels. There have been occasions where some neighbourhoods have been blocked off to non-residents due to high tides. This can certainly cause some alarm.

You can check out Edmonton’s Flood Hazard map to see where the flood hazards for the river and creeks are. Also, if you live in Cloverdale, Riverdale, or Rossdale, you can sign up for Edmonton’s storm and river level alerts.

Steps to Take

After checking out the potential flooding risks related to your home, what can you do? There is excellent information on the City of Edmonton website about flood prevention tips. You may also be eligible for a backwater valve grant. Finally, you can also get a free flood prevention home checkup by calling 780-944-7777.

Protecting Your TruHome

There is a risk with living in any building anywhere in the world. At TruHome, we want to help you be informed and aware of the risks involved and how to possibly reduce those risks.

Have questions or looking for guidance on buying or selling Edmonton Real Estate, get in touch and let’s chat. 


Promoting Fair Laws For Edmonton Condo Owners (& Alberta)

Fri, 28 Jul by TruHome

Tonight, the government of Alberta hosted an Open House to discuss how they can “help guide modern, fair laws to protect condo owners and support responsible governance of vibrant condominium communities”. The Open House provided attendees to learn about specific topics such as:

  • Dispute Resolution
  • Condominium Documents
  • Voting Procedures and Meeting Minutes
  • Insurance Requirements
  • Financial Considerations
  • etc.

Due to the complexity of these amendments, Alberta plans to role these new updates out in phases. As a team that sells a great deal of condos and with some of us choosing to live the Edmonton condo lifestyle, we feel these topics are extremely important both to current owners and potential home buyers.

Stay tuned, as we break down these topics further and/or visit for more info on Alberta’s Condominium Consultation.


DIY Courses to Personalize Your TruHome

Tue, 11 Jul by TruHome

Don’t Buy. DIY

If you have an interest in the DIY world, check out the newly opened DIY Workshop, located just outside Edmonton in Nisku. This innovative space allows members of the public to fix and create almost anything. This is an inclusive space, open to people of varied walks of life and abilities.

Put Your Skills to Work

The company’s industrial warehouse is equipped with a metal-working area, woodworking area, vehicle bay, space for machining, electronic lab, 3D printing equipment, and a computer lab. Simply buy a membership and then pay for a selected course or the time you need to use the space.

If you have a project or idea in mind but aren’t sure how to use everything – not a problem! The DIY Workshop offers courses and instruction on all of their equipment and processes.

Get Classy

Need a little more help to get you started? Sign up for one of their ongoing classes. Some of the topics include: Table Saw Basic, Vehicle Maintenance for Ladies, Home Maintenance (replace a toilet , replace a faucet, install a light fixture) Soldering and Electronics, and Parent/Kid Make a Birdhouse. 

Stop By & Create

This company is a true technology innovator in the Edmonton region and valuable resource for anyone who wants to create their own projects . Be sure to visit their website or stop by in person to learn more about how the DIY Workshop can help you complete your own DIY projects to make your space Your TruHome




Purchasing Properties for Your Post-Secondary School Children

Thu, 15 Jun by TruHome


Does your child plan to attend a post-secondary institution once they graduate from high school? If the answer is yes, then it’s never too early to start thinking about purchasing an Edmonton investment property they can live in while attending school.

Whether you are looking for a second property you can rent to family, or you desire a well-maintained home your children can live in (and you can visit!) while attending college or university – there are a variety of options available in many central Edmonton neighbourhoods.

Step One: Determine Your Budget

There are a host of variables at play when choosing the right property, so determining your budget from the get-go will help you zero-in on finding the perfect place.


Remember that properties closer to post-secondary institutions are often easier to rent, which also makes them more expensive to buy. So if price is a concern, consider looking for places on direct transit routes within a reasonable commute from the school. This will increase your options and provide more opportunities for getting a better deal.


Another factor to remember is to budget between $300-500 per month for condo fees.


If close proximity to school is more important than the price point, try looking for places built with solid construction and multiple bedrooms close to your preferred post-secondary institution. Properties with well-maintained character and curb appeal will help set you apart from other market properties when the time comes down the road to sell.


Step Two: Map the Commute

Again, it is always a great idea to purchase housing for post-secondary students close to major transit routes. This will increase the chances of finding other student tenants if your child will have roommates.


Surprisingly a typical commute using transit in certain neighbourhoods can be shorter than driving and parking. Google Maps is an excellent resource for verifying a true commute time. For example, Queen Mary Park is a 20 minute transit commute to the U of A compared to a 30 minute commute from Ritchie – even though they are on opposite sides of the river.


Step Three: Identify Parking Needs

If you are in need of permanent parking, remember that heated and underground parking can add some extra costs to the purchase price. However it may be a gain when it comes to resale. You can find some good deals in older and smaller buildings with outdoor parking. If it is a house with an older garage, you might want to consider rebuilding a garage suite to add more value and rental opportunities to your investment property, while also solving any covered parking needs


If you plan to buy a condo, determine if an elevator is essential, as this will help you focus your search. 

Step Four: Elbow Grease + Creativity = Good Value

If you have the skills, doing cosmetic improvements and renovations as a family can save a lot of money, and will also give your child the opportunity to personalize his/her space. Look for properties that could really be improved with some new flooring, paint, and modern light fixtures. Not only will you get some added-value down the road, it could also turn out to be a really memorable bonding exercise with your adult (or soon-to-be-adult) child.

Step Five: Make Some Room For Sharing

When it comes to bedrooms, it is always a great idea to have at least one extra bedroom for a potential roommate, and even more if you plan to visit often, or if you have multiple children who plan to share the home.


It’s helpful to look for properties with bedroom layouts that have more privacy between bedrooms. Other “must-haves” include a functional kitchen with adequate storage space, and at least one bright and spacious communal space. In-suite laundry that is organized for shared use can be a real bonus for busy post-secondary students.


Step Six: Identify House Rules Before Move-In

Once you have purchased the property, sit down with your child (or children) and discuss expectations of the living arrangements prior to them moving in. Writing out the rules, terms of agreement and  expectations will help keep everyone on the same page and will reduce conflict and misunderstandings.


Here are a list of some relevant topics for conversation:


  • Is the housing only available while the child is attending school?
  • What will the rent be and when and how should it be paid?
  • Will a security deposit be required? How about for roommates?
  • Who gets to decide the appropriate roommates?
  • Are overnight visitors allowed?
  • Who will take care of renovations and fixing problems?
  • Who will pay for the utilities and maintain any outdoor spaces?
  • What are the rules for parents stopping by and entering property?
  • Are romantic partners allowed to move in? Will they need to pay rent, and how much?
  • What are the building by-laws regarding pets, smoking, children and long-term visitors?


If you are considering purchasing a property for your child or children attending an Edmonton post-secondary institution, the TruHome team can help you choose the best options when it comes to condos and homes in some of these Central Edmonton communities: Downtown |  Oliver | Queen Mary Park | Garneau | Strathcona | Ritchie

Edmonton Hosts National Open Data Conference

Tue, 13 Jun by TruHome


TruHome Inc. is excited to be part of the Canadian Open Data Summit (CODS) 2017, taking place this week in Edmonton at the Chateau Lacombe Hotel.


This is the first time Edmonton is hosting this prestigious international conference, drawing some of the most knowledgeable experts relating to open data and open government communities.


As many as 400 open data enthusiasts from federal, provincial and municipal government; Policy makers, private business; Civic technology groups, academics, and students interested in the growing field of open data are all expected to attend.


So just what is open data anyway? The CODS describes it as “a practice that makes data freely available, easy to access, and most importantly, simple for the public to use in machine-readable formats.Open data can be freely used, re-used and redistributed by anyone.”


According to Elisse Moreno, realtor with Truhome Inc., open data will be a huge part of the real estate revolution in Canada – allowing private citizens to make better informed decisions about the cities and houses they choose to call home.


“Our team is excited to be speaking at the conference,” says Moreno, a long-time member of both Edmonton’s tech and real estate communities. “The more open cities are, the easier it is for citizens to become educated about issues relating to the biggest financial decisions of their lives,” Moreno explains.


“Open data is providing more accurate answers to questions about issues such as flood concerns, neighbourhood growth and development forecasts, infrastructure plans and neighbourhood profiles.”



This year’s conference will focus on open data analytics, partnerships and crowdsourcing.
To learn more about how the use of open data is helping Canadians buy and sell homes, contact Elisse Moreno at TruHome Inc.

Adding Texture to Your Walls

Thu, 18 May by TruHome

Love your space but want to make it feel more like your own? Try adding texture to your walls and get an instant feeling of personalization.

 Whether you’re renting, renovating, or the proud new owner of a home, here are some simple ideas to help make your space your TruHome.


Get Your Wallpaper On

Fashion designer Bridget Smatlan of Fridget Apparel brings her design skills off the runway and into your home with her custom wallpaper installation service Tops Wallcovering. The savvy designer has an eye for detail and an unwavering commitment to using correct adhesives and surface preparation techniques. If done correctly, wallpaper can add an instant boost and focal point to any room.

Art for the Commitment-phobes

Looking for a more low-profile way to give your walls a little je ne sais quoi ? Edmonton-based Oliver Apt. designed a series of magnetic frames to hold your beloved art, music posters, and prints. The Prof. Prints series retails for $30 CAD and comes in three sizes and the choice of white ash or walnut finishes. Each kit includes countersunk holes to screw directly to the wall, as well as gold and white twine for hanging.

Plaster on the Warmth

Who says green living can’t be fashion-forward too? High Street’s Carbon Environmental Boutique proudly carries the American Clay line of natural earth plaster. These non-toxic plaster finishes come in a wide selection of earthy-tones, and can be applied on traditional wall surfaces – adding warmth and texture to your living space.


Hang Some Modern Nostalgia

Macramé is back in a big way, and nobody knows how to use it better than interior designer Julie Adams from Of Quartz Interiors. Check out her website and sign up for one of her plant or wall hanging workshops to make your own macramé work of art. You can also purchase ready-made wall hangings from her online shop.


Finnish with Fabric

Sometimes the simplest solutions can make a big (and memorable) impact. This is definitely true when it comes to using textiles as art. If you want a temporary solution to add colour and texture to any size of wall, try framing fabric and watch how it instantly transforms a space. We are especially in love with the selection available from Finnish design company Marimekko.

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