First-time Home Buyers

Congratulations! You're ready to buy your first home, and we're here to make it as simple, straightforward and affordable as possible.

Our best mortgage offer

Find your happy place at a happier rate—1.99%* +up to $1,500 cash back on a 5-yr fixed mortgage. For primary residences only. See offer details and start your pre-approval.

How we can make your first mortgage work for you.

Not all mortgage pre-approvals are created equal

At ATB we do a little extra work up front so you can be extra confident in the amount that we pre-approve you for when you’re house hunting.

Repay your way

Increase regular payments by up to 20%1per year, or prepay up to 20%1of your original mortgage amount per year. With Loan Protection, you may be able to have payments covered in the event of death or disability.

​Find the mortgage that's right for you.

Frequently Asked Questions

Unfortunately, not. Once you have a down payment of at least 5%, you may qualify for an Insured Mortgage, but 5% is the minimum we can accept.

That’s two FAQs but we’ll address them both here in the difference between pre-qualification and pre-approval.

Need help?

Our Client Care team will be happy to assist.

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