Best first-time buyer mortgage rates in Alberta.
The sharpest rates on the shelf go to the smallest down payments.
The sharpest rates on the shelf go to the smallest down payments.
Counter-intuitive but true: under 20% down, your mortgage is insured, the lender's risk is covered, and they price it lower than the 20%-down crowd. So a first-time buyer with 5% down often gets the best rate we can find anywhere—plus 30-year amortizations, the FHSA, and the RRSP Home Buyers' Plan stacked on top.
- You're putting down less than 20% (5% of the first $500k, 10% above)
- The home is under $1.5 million and you'll live in it
- You want the payment to fit the budget you actually have
- You're putting 20%+ down—you're on the conventional shelf instead
- You're buying a rental—investment properties can't be insured
- You need a HELOC on day one
The whole shelf, filtered to you.
Only the products a first-time buyer can actually get (insured), lowest lender first. Payments on a $500,000 mortgage over 25 years.
See what you'd actually qualify for.
Your income, your down payment, your city—we'll show you the insured rates you'd be approved for and hold the best one for 120 days. No credit check to look.
The questions you're asking. And the ones you should be.
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