Alberta mortgages,
province-wide.
We're an Alberta-licensed brokerage, serving clients in every major centre and dozens of smaller communities. Same lender relationships, same competitive rates, no matter where in the province you're buying.
- Local Alberta expertise
- No fees, ever
- Licensed Alberta brokers
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A specialist will review your numbers and email your estimate within 5–10 minutes.
We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.
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We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.
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We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.
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We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.
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We DO NOT pull your credit. Your information is used only to reach out to you. No portion is shared with any third party. For more information, please refer to our Privacy Policy.
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The Skip the Down Payment program — and any mortgage with less than 20% down — requires solid credit history. Here's what good credit looks like and how to build it.
If you don't have any credit history yet, start with secured Visas from Scotia Bank and Home Trust — they're easier to approve for and a great first step. You can track your score for free at www.equifax.ca.
Down payment ranges and what credit you'll need
- 0–4% down: excellent credit, score above 680
- 5–9% down: score of 620+, no late payments or collections in the last 2 years
- 10–19% down: score of 580+, no recent late payments or collections
- 20%+ down: multiple lenders available depending on your interest rate tolerance
Tips to bump up your credit score
- If you've missed payments, try to open or maintain three credit accounts with perfect repayment going forward. (Student loans don't count.)
- Re-establishing payment history typically takes:
- ~12 months for one missed payment
- 2–3 years for 60- or 90-day late payments
- 3+ years for written-off debts (excluding minor collections like cell phone bills)
- Consumer proposals and orderly payment of debt are treated like a bankruptcy for mortgage purposes — wait times are significantly longer.
- Keep credit utilization low. Utilization is the ratio of balance to total credit limit. 30% or under is ideal.
- If you plan to purchase a home within 24 months, do not finance a vehicle purchase — the high utilization of that debt will reduce your score and your mortgage approval chances.
Why closing cards can hurt you
Say you have these accounts:
| Account | Limit | Balance |
|---|---|---|
| Credit Card A | $15,000 | $0 |
| Credit Card B | $10,000 | $0 |
| Credit Card C | $5,000 | $4,000 |
| Loan (orig. $20,000) | $20,000 | $17,000 |
Total utilization: $21,000 balance ÷ $50,000 total limit = 42% — that's healthy.
Now close Cards A and B (because you don't use them). New utilization: $21,000 ÷ $25,000 = 84% — that's bad. Your credit score could drop 50 points overnight.
Alberta mortgages, simply explained
Alberta’s mortgage market has some genuine advantages over the rest of Canada—no land transfer tax, strong household incomes, and reasonable property values across most of the province. But it also has quirks: lender appetite varies by region, oilfield-services income gets treated differently than salaried T4 employment, and rural-residential acreages need specialty programs.
We’re a licensed Alberta brokerage based in Edmonton, but the entire mortgage process can be handled remotely from anywhere in the province. We've placed mortgages in every major Alberta market plus dozens of smaller communities and rural municipalities.
Alberta by the numbers
Market data approximate; sourced from CREB / RAE / public real estate listings. Updated periodically.
Where our Alberta clients buy
We've helped clients fund mortgages in just about every neighborhood in Alberta. A few of the areas we see most often:
The typical Alberta buyer
Alberta’s buyer base is among the most diverse in Canada. Energy and energy services anchor the economy in Calgary and the north, but the province also has a large agricultural base, growing tech and finance sectors in Calgary, deep healthcare and education employment in Edmonton, and a manufacturing/logistics economy spread across the province.
Household incomes in Alberta are among Canada’s highest, particularly in the trades, professional services, energy, and agriculture sectors. This income strength, combined with relatively moderate property values (especially outside Calgary), gives Alberta one of the best affordability ratios among Canadian provinces.
First-time buyers in Alberta typically purchase $300-$500K depending on the city. Move-up buyers commonly land in the $600K-$900K range. The luxury market ($1.5M+) is largely concentrated in Calgary, with smaller pockets in Edmonton (Glenora, Crestwood, Riverbend) and the resort-town market (Canmore, Banff, Jasper).
Why Alberta is a strong place to buy
No land transfer tax
Alberta is one of the very few Canadian provinces with no LTT. Closing costs on a typical home purchase here are typically $1,500-$3,000 vs. $10,000+ in Ontario or BC. Across multiple home transactions over a career, this saves Alberta homeowners tens of thousands of dollars.
Strong household incomes
Median household incomes in Alberta are consistently among the highest in Canada, particularly in the trades, energy, and professional services sectors. This translates to genuine purchase power—many Alberta households comfortably qualify for substantially larger mortgages than households in equivalent income brackets in other provinces.
Diverse market segments
From Calgary luxury to Lethbridge starter homes, from Fort McMurray oil-sands worker condos to Grande Prairie acreage purchases—the Alberta market has segments to fit almost any buyer profile. We work across all of them.
No provincial sales tax
Alberta has no PST/HST, which doesn’t directly affect your mortgage, but does meaningfully affect ongoing housing costs (renovation projects, appliances, services). One more line item where Alberta homeowners pay less than peers elsewhere.
What makes mortgaging here different
Oilfield-services and self-employed income
A meaningful share of Alberta borrowers have non-traditional income—oilfield services, agricultural operations, trades-based subcontracting. Major banks often penalize this income through conservative averaging. We work with lenders who properly value this kind of income.
Acreages and rural-residential
Alberta has a much more active acreage market than most provinces. Properties over 5 acres, with well water and septic, in rural municipalities—these are normal, fundable purchases here, but they need specialty lenders. We have those relationships.
Resort-property market
Banff, Jasper, Canmore, Sturgeon Lake, Lake Louise area—Alberta’s resort property market has unique qualifying rules. Some properties (like Banff townsite leases or seasonal cabins) need specialty lenders. Tell us the specific property and we’ll let you know what’s possible.