Buying your
first home — or your next.
Whether you're a first-time buyer or moving up to your forever home, we shop the market for the right lender, the right rate, and the right product for your situation.
- BBB Accredited
- No fees, ever
- Licensed Alberta brokers
Get Your Free Estimate
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.
Tell us a bit more
This helps us understand where you're at so we can match you with the right options.
What's your down payment situation?
Choose the option that best matches what you have saved or available.
We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.
When are you looking to buy?
This helps us tailor our follow-up to your timeline.
We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.
Your Income & Debts
Complete all fields and we'll calculate your result instantly.
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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.
Where should we send your results?
Your estimate will be calculated and sent shortly.
Please complete all fields above.
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.
We'll be in touch shortly to discuss your options. Check your email for a copy of your results.
You're all set!
We've received your information and will be in touch shortly to discuss your new home purchase options.
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.
We get more buyers approved
A home purchase is the biggest financial decision most Canadians ever make. Going to your bank gets you one set of products. Going to a broker gets you the whole market — every major bank, credit union, and monoline lender, all competing for your file.
We pre-qualify you, identify any potential underwriting issues before they cost you a deal, and match you with the lender most likely to approve your specific situation. Whether your file is straightforward or complex, our job is to get it funded — at the best rate available.
Right fit checklist
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First-time buyers. 5% down on the first $500,000 of purchase price + 10% on the portion above. Minimum credit score around 600.
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Move-up buyers. Equity from your current sale becomes your new down payment. We coordinate the timing so you don't carry two mortgages.
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New-build buyers. Most new builds need conditional financing approval before construction. We've worked with most of the major Edmonton builders.
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Multi-offer markets. We can have a full pre-approval ready so your offer goes in firm — usually a tie-breaker in competitive bidding.
Three steps to a quote
Quick estimate
Use our calculator to see how much home you can afford. No credit pull, no commitment.
Pre-approval
Once you're ready, we collect a few documents and submit to the lender most likely to approve. One credit pull, done right.
Funding
Offer in. Conditions removed. We coordinate with your lawyer for closing day.
More options, less hassle
Whole-market access
We work with every major Canadian bank, credit union, and monoline. You get the best of the market, not one lender's product.
No fees to you
The lender pays our finder's fee when your mortgage funds. There are no broker fees charged to you.
Specialty programs
If you're self-employed, new to Canada, or have unique income, we have lenders for that — banks usually don't.
One application, many quotes
Submit once. We shop. You compare offers without multiple credit pulls hammering your score.