Our Services
First-Time
First-Time
Buyers
Your first home is one of the most exciting milestones of your life. We make sure the financing side is as smooth and stress-free as possible — from start to keys.
Your first home is one of the most exciting milestones of your life. We make sure the financing side is as smooth and stress-free as possible — from start to keys.
Buying your first home in Edmonton can feel overwhelming — between saving for a down payment, understanding the mortgage stress test, and navigating government programs, there's a lot to absorb. Our first-time buyer specialists make it simple. We'll explain every step in plain language, help you maximize the incentives available to you, and secure financing that fits your life today and grows with you tomorrow.
As a first-time buyer in Alberta, you may be eligible for significant government programs that reduce your upfront costs and monthly payments:
First Home Savings Account (FHSA) — Tax-free savings toward your first home purchase.
Home Buyers' Plan (HBP) — Withdraw up to $35,000 from your RRSP tax-free.
First-Time Home Buyers' Tax Credit — Up to $1,500 federal tax credit on purchase costs.
GST/HST New Housing Rebate — Partial rebate on new home construction GST.
CMHC Insured Mortgages — Buy with as little as 5% down with mortgage insurance.
Extended Amortization — Up to 30-year amortization for insured purchases.
Since 2018, Canadian mortgage borrowers must qualify at a rate higher than their actual mortgage rate. We'll walk you through exactly what you qualify for and structure your application to maximize your purchasing power while staying within comfortable payment levels.
We guide you through every step: getting pre-approved so you know your budget, finding a property, submitting your full mortgage application, satisfying lender conditions, and finally securing your commitment letter before possession day. You're never navigating this alone.
You don't need 20% saved to buy your first home. With CMHC mortgage insurance, you can get into the market with as little as 5% down on homes priced under $500,000, and a sliding scale above that. Our advisors help you understand the insurance premiums and determine whether this strategy makes sense for your situation.