Guide specifically addressing inter-provincial buyers from BC and Ontario: Alberta vs. BC/Ontario mortgage differences (non-recourse mortgages in Alberta, no provincial mortgage surtax), how Calgary home prices compare to Vancouver and Toronto creating genuine affordability, Alberta’s lack of provincial land transfer tax saving buyers $8,000–$20,000 vs. Ontario, timeline considerations for buying before vs. after arriving in Calgary, qualifying with Alberta-based lenders from out of province, understanding Calgary’s distinct neighbourhoods for someone unfamiliar with the city, and how to work with a Calgary mortgage broker remotely before relocation.