Alberta First-Time Home Buyers

Say Hello To The Easiest Way To Mortgage


We change lives by helping first-time home buyers achieve their dream of home ownership.

Are you tired of passing your hard-earned money over to your landlord? Maybe you've built up some savings and have a downpayment for your own property which can be exciting and scary at the same time.

No matter what your situation is, we help simplify the buying process and worry about all the financing details so you can get down to finding just the right property as fast as possible. We're here to help you along each step of the way.


Before you even start looking for a home, you need to know exactly how much home you can afford.

You can use our online affordability calculator or click here to complete your mortgage application. We'll work to get you pre-approved and provide you with the maximum mortgage you would qualify for, along with approximate monthly payments and interest rate. We'll also be able to answer any questions you might have.

Don't have a down payment saved? 
Financial institutions offer RRSP loans which first-time buyers can use for their down payment! Connect with us to find out more.
Did You Know: There are three great programs that can help you into homeownership as a first-time home buyer?

1. First Time Home Buyer RRSP Program

You can withdraw up to $35,000.00 from your RRSP without a tax penalty and to top it off, you do not have to claim the funds as income! The process to withdraw your RRSP can take 2-10 business days depending on what financial institution holds your RRSP. It's very important that you line up the timing of the RRSP withdrawal to ensure you have the funds available to provide to your lawyer at least 3 business days before your possession date.

The 1st time home buyer RRSP withdrawal form can be found online along with everything else you need to know about the program on the Government of Canada website.

2. First Time Home Buyers Incentive Program

You may be eligible for additional down payment funds of 5% to 10% to help you qualify for your dream home. This program came into effect on September 2, 2019. You are required to meet the following conditions in order to be eligible to participate:
• First-time home buyer or recently divorced.
• Maximum household income of $120,000.
• Maximum mortgage amount 4 times the household income.
• Have your own initial 5% down payment from savings, RRSP or gift. (Cannot be borrowed).

The government will register a lien against the title to your home until you either a) sell and pay back the 5% - 10% or b) 25 years; whichever comes first.

Click here for more information on the incentive program including a calculator to give the approx. Amount you may qualify for.

3. First Time Home Buyers tax credit

You can claim $5,000 for the purchase of a qualifying home in the year if both of the following apply:
• You or your spouse or common-law partner acquired a qualifying home.
• You did not live in another home owned by you or your spouse or common-law partner in the year of acquisition or in any of the four preceding years (first-time home buyer).

Information for individuals about home buyers' amount (First-Time Home Buyers' Tax Credit), which reduces your federal tax can be found online here.


Owning a home is a big decision and getting off to a good start can make all the difference. We believe that being a great mortgage broker is about more than just a great rate.

We specialize in financing for first-time home buyers and provide expert guidance and education so that you can feel confident all along your journey to homeownership.


Each mortgage application is different and we will help you figure out the numbers so you can stay focused on shopping for properties within your approved price range.

You and your real estate agent will know exactly how much you can comfortably afford along with the assurance of a locked-in rate for up to 120 days - all at no cost to you.

What's Next?

Get in Touch

Purchasing, renewing or refinancing? Call for a free quote!

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Apply Now

Get pre-approved to shop with confidence.

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Mortgage Calculators

Crunch the numbers and explore your mortgage options!

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