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.

Get the right mortgage for right now.

Receive up to $4,000 cash or get our lowest rate. 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%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.

Open a First Home Savings Account

Start now and save tax-free for your first home.

​Find the mortgage that's right for you.

Ready to begin your mortgage pre-approval?

Start your mortgage pre-approval wherever you choose with our comprehensive, convenient online process.

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.

Want to talk with an expert?

Talk with a Mobile Mortgage Specialist about options to make your mortgage work for you.

Need help?

Our Client Care team will be happy to assist.

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