Your first home, without the overwhelm.
We translate the jargon, walk you through the programs, and give you a real plan — so your first mortgage feels less like a leap and more like a step.
A guided, no-pressure path to ownership.
First-time buying in Alberta has more moving parts than ever — but it doesn't have to feel that way. We'll walk you through every program you qualify for, every dollar you'll need, and every milestone between here and your keys.
No pressure, no jargon, no surprises.
- First-Time Home Buyer Incentive
- RRSP Home Buyers' Plan (up to $60,000)
- First Home Savings Account (FHSA)
- Land transfer tax rebates
- Insured high-ratio mortgages
- 30-year amortizations for first-time buyers
A calm, guided path from start to keys.
Every client moves through the same considered framework — no surprises, just clarity.
- 01
Education First
We explain how mortgages, down payments and closing costs actually work — in plain English.
- 02
Pre-Approval
A real one. So you know your budget and shop with confidence.
- 03
House Hunting Support
We're on call for every offer — and can recommend trusted Alberta realtors.
- 04
Closing & Beyond
We coordinate funding, then check in annually so your mortgage keeps working for you.
Questions, answered.
How much do I really need saved?+
Plan for 5% minimum down payment plus roughly 1.5–4% for closing costs. We'll build a precise number with you.
Can I use my RRSP for the down payment?+
Yes — the Home Buyers' Plan lets first-time buyers withdraw up to $60,000 tax-free, repayable over 15 years.
What credit score do I need?+
Most insured mortgages require a 680+ credit score, but there are paths at lower scores. We'll review yours and advise from there.
Should I get pre-approved before I look?+
Yes — always. It defines your budget, holds your rate, and makes your offers stronger.
Do you charge first-time buyers a fee?+
No. On standard residential mortgages, the lender pays us — our advice is free to you.
Let's find your best mortgage.
Speak with an Elevated advisor and get tailored options within 24 hours.