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.

Everything you need to know about home buying. In one place.

A home is a huge purchase—possibly the biggest purchase you'll make in your life. We want to help make sure you have all the information you need to help along the way.

Our complete guide to buying a home in Alberta takes you through the home buying process step-by-step so you can feel confident taking the leap.

How we can make your first mortgage work for you.

Up-front rates

Many lenders post inflated mortgage rates, then expect customers to negotiate. With our No Bull Mortgage principle, the rates you see are the rates you can expect to pay.

No unfair penalties

If you break and prepay your mortgage mid-term, our No Bull Mortgage can save you thousands in breakage (prepayment) fees, because our penalty is based on our posted real rate, not a posted inflated rate.

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.

Basically, when a bank posts an 'inflated' (higher) mortgage interest rate than they're actually willing to offer you, the onus is on you, the customer, to see how far you can bargain the rate down. The problem with this scenario is that the bank has all the power. You don't know how low they're willing to go, and you may not know what an appropriate rate actually is—especially since looking at other banks' options means looking at other banks' similarly-inflated rates. 

At ATB, we post the rate we're prepared to offer you—no need to bluff, second guess or twist our arms.

Need help?

Our Client Care team will be happy to assist.

ATB Virtual Assistant
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