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.
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%1 per year and/or prepay up to 20%1 of your original mortgage amount per year on fixed mortgages. With Loan Protection, you may be able to have payments covered in the event of death or disability.
Expert advice every step of the way
Our complete guide to buying a home in Alberta takes you step-by-step through the process so you can feel confident taking the leap.
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.
Pre-payment percentage based on original mortgage amount. Prepay or increase payments by 10% available on Rate First mortgages only.