CALGARY NEWCOMER AND CROSS-BORDER PURCHASE EVIDENCE BOARD CalgaryRealEstateTips.ca working worksheet Last reviewed: July 19, 2026 PURPOSE Role decision stage exact Calgary property and intended occupancy; every buyer spouse partner beneficial owner guarantor gift provider entity trust nominee and signing authority; citizenship permanent-resident temporary-status permit authorization expiry and present location; current federal non-Canadian residential-purchase prohibition through January 1 2027 and property-specific Alberta legal review; possible exception facts kept separate from conclusions; immigration questions and authorized professional; CRA tax-residency entering leaving part-year residential-tie treaty and reporting questions; permit arrival employment probation rate-hold evidence offer condition funds lawyer signing closing possession and status-renewal dates; identity methods document expiry name and address matching translation certification and secure channels; lawful economic source and ownership of savings employment gifts business inheritance asset-sale borrowed or other funds; statements sale or gift evidence each account currency conversion FX cost transfer limits settlement timing deposit and closing receipt; Canadian credit international report foreign-bank reference rent utility or alternative evidence and lender acceptance; employment income probation contract variable self-employed or foreign income liabilities and document-validity evidence; lender mortgage-insurer status borrower occupancy property appraisal and condition requirements; offer deposit down payment mortgage insurance Alberta title and mortgage registration legal inspection appraisal insurance adjustment moving temporary-housing immediate-work and reserve cash; FHSA HBP Canadian residency prior worldwide home ownership and occupancy spouse principal-residence intention account and withdrawal questions; Calgary community work school childcare transit winter route services support property type housing era condo HOA suite maintenance insurance total cost and resale evidence; representation agreement compensation conflicts confidentiality interpreter translation independent instructions and document understanding; remote viewing inspection specialists document review deposit lawyer identity signing call-back funds walkthrough possession keys utilities travel and first-night controls; future rental departure non-resident withholding filing management vacancy lender insurer condo change-of-use principal-residence section 116 certificate purchaser-withholding appraisal sale closing and funds-transfer questions; rent-first delayed purchase lower-price simpler-property revised-arrival and no-deal fallback; qualified legal immigration tax lender insurer property and closing owners; task evidence source date due date status consequence and privacy boundary. Use this worksheet to collect property-specific evidence and make the next decision visible. It is an educational planning aid, not legal, tax, lending, appraisal, engineering, inspection, insurance, condo-document, or other professional advice. DECISION CONTEXT Name(s): ________________________________________________ Property / community / search area: _______________________ Property type: ___________________________________________ Budget, price, or value range: _____________________________ Decision to make: _________________________________________ Deadline and reason: ______________________________________ Primary goal: _____________________________________________ What would make me pause or walk away? ____________________ TOPIC EVIDENCE [ ] Role decision stage exact Calgary property and intended occupancy: ________________________________________________ [ ] Every buyer spouse partner beneficial owner guarantor gift provider entity trust nominee and signing authority: ________________________________________________ [ ] Citizenship permanent-resident temporary-status permit authorization expiry and present location: ________________________________________________ [ ] Current federal non-Canadian residential-purchase prohibition through January 1 2027 and property-specific Alberta legal review: ________________________________________________ [ ] Possible exception facts kept separate from conclusions: ________________________________________________ [ ] Immigration questions and authorized professional: ________________________________________________ [ ] CRA tax-residency entering leaving part-year residential-tie treaty and reporting questions: ________________________________________________ [ ] Permit arrival employment probation rate-hold evidence offer condition funds lawyer signing closing possession and status-renewal dates: ________________________________________________ [ ] Identity methods document expiry name and address matching translation certification and secure channels: ________________________________________________ [ ] Lawful economic source and ownership of savings employment gifts business inheritance asset-sale borrowed or other funds: ________________________________________________ [ ] Statements sale or gift evidence each account currency conversion FX cost transfer limits settlement timing deposit and closing receipt: ________________________________________________ [ ] Canadian credit international report foreign-bank reference rent utility or alternative evidence and lender acceptance: ________________________________________________ [ ] Employment income probation contract variable self-employed or foreign income liabilities and document-validity evidence: ________________________________________________ [ ] Lender mortgage-insurer status borrower occupancy property appraisal and condition requirements: ________________________________________________ [ ] Offer deposit down payment mortgage insurance Alberta title and mortgage registration legal inspection appraisal insurance adjustment moving temporary-housing immediate-work and reserve cash: ________________________________________________ [ ] FHSA HBP Canadian residency prior worldwide home ownership and occupancy spouse principal-residence intention account and withdrawal questions: ________________________________________________ [ ] Calgary community work school childcare transit winter route services support property type housing era condo HOA suite maintenance insurance total cost and resale evidence: ________________________________________________ [ ] Representation agreement compensation conflicts confidentiality interpreter translation independent instructions and document understanding: ________________________________________________ [ ] Remote viewing inspection specialists document review deposit lawyer identity signing call-back funds walkthrough possession keys utilities travel and first-night controls: ________________________________________________ [ ] Future rental departure non-resident withholding filing management vacancy lender insurer condo change-of-use principal-residence section 116 certificate purchaser-withholding appraisal sale closing and funds-transfer questions: ________________________________________________ [ ] Rent-first delayed purchase lower-price simpler-property revised-arrival and no-deal fallback: ________________________________________________ [ ] Qualified legal immigration tax lender insurer property and closing owners: ________________________________________________ [ ] Task evidence source date due date status consequence and privacy boundary: ________________________________________________ CALGARY VERIFICATION CONTROL [ ] Property address, community, property type, and decision deadline are recorded. [ ] Budget, price or value range, monthly comfort, and cash reserve are separated. [ ] Current source dates and geography are written beside every market or rule-based claim. [ ] Relevant active alternatives and recent comparable transactions are identified. [ ] Financing, appraisal, insurance, legal, tax, inspection, condo, permit, or specialist questions have an assigned owner. [ ] Documents are saved in one folder with missing items and follow-up dates visible. [ ] The most expensive plausible downside has a cost range and funding plan. [ ] A credible backup property, community, timing, or transaction path is named. [ ] The walk-away or pause rule is written before urgency increases. [ ] The next review date and the evidence that would change the decision are recorded. EVIDENCE LOG Use one row per important fact. Record the source itself, not only who mentioned it. 1. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ 2. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ 3. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ RED / AMBER / GREEN DECISION BOARD GREEN - current, property-specific, understood evidence: ____________________________________________________________ AMBER - plausible but waiting on evidence or professional review: ____________________________________________________________ RED - material downside with no acceptable control or fallback: ____________________________________________________________ OPTIONS AND TRADEOFFS Preferred path: ____________________________________________ Best credible alternative: _________________________________ What the preferred path improves: __________________________ What it costs or makes harder: ______________________________ Worst plausible outcome and estimated cost: ________________ How that downside would be reduced or funded: ______________ NEXT-STEP BRIEF Current best decision: _____________________________________ Why the evidence supports it: _______________________________ Three unresolved questions: 1. _________________________________________________________ 2. _________________________________________________________ 3. _________________________________________________________ Next action: _______________________________________________ Owner: __________________________ Due: _____________________ Review trigger: ____________________________________________ Next review date: __________________________________________ PROPERTY-SPECIFIC HELP When requesting help, include the property or community, property type, budget or value range, timeline, documents available, condition deadline, and the exact decision. A useful response should produce a shortlist, risk list, valuation path, document-review path, or assigned next-step plan rather than a generic sales reply.