Edmonton First Time Home Buyers | Get Pre Approved & Personalized Listings

Trust facts

No Land Transfer Tax FHSA + HBP Compatible Rate Hold 90 to 120 Days* Buyer Side Representation

*Typical lender policy; confirm during pre approval.

Pre Approval, Simplified

We will help you assemble income docs, verify down payment sources, and hold a competitive rate while you shop.

  • Employment letter and recent pay stubs
  • 90 day bank statements or RRSP slips
  • ID verification and soft pull readiness

Personalized Listings

Daily alerts tuned to your budget and must haves, often before they reach generic portals.

First Time Incentives

Leverage FHSA, RRSP HBP up to 35k each, and HBTC while staying inside GDS and TDS comfort zones.

  • FHSA and HBP stacking strategy
  • Closing cost planning and buffers
  • Inspection and condition timelines
How it works

Your 3 Step Path to Keys

  1. 15 Minute Call: Budget, timeline, and neighbourhood short list.
  2. Pre Approval: Rate hold and document check, typically 90 to 120 days.
  3. Tours and Offer: Alerts, showings, comps, and a winning offer package.

Shop Smart by Budget

Jump into curated searches designed for first time buyers in and around Edmonton.

Under 400k
Starter condos and townhouses Under 500k
Starter detached and duplex Under 1M
Move up options and suites

Prefer custom alerts? Tell us your budget, property type, and must haves below.

Start here

Get Pre Approved and Personalized Listings

Download Buyer Kit

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New? Read the 7 Step Guide

Prefer to study the process first? Our step by step explainer shows you how to confirm eligibility, budget safely, stack incentives, choose a mortgage, and write a winning offer.

Read the Full Guide

Why first timers pick us

  • Transparent budgeting within GDS and TDS comfort zones
  • Real time listing alerts and pre market opportunities
  • Offer strategies tailored to buyer, balanced, or seller markets
Ready to see your options under budget?
Get pre approved and start touring this week.

First Time Buyer FAQs

What counts as a first time buyer?

If neither you nor your spouse or partner owned a principal residence in the current year or previous four years, you will typically qualify. Ask your lawyer or broker to confirm your title history.

How much do I need for a down payment?

Minimum five percent on the first 500k, and ten percent on the portion above 500k. Less than twenty percent requires mortgage insurance.

Can I combine FHSA and RRSP HBP?

Yes, many buyers stack both to increase buying power. Timing and documentation matter, ask us for a walkthrough.

How long until I get keys?

Typical timelines range from 30 to 60 days after offer acceptance, depending on conditions and lender processing.