Resources

First Time Buyers Guides

Budget, down payment, pre-approval, closing costs and the stress test, explained for first time buyers in Calgary and Alberta.

Start here: complete guide

First Time Home Buyer Guide: From Dream to Keys

Think of this guide as your roadmap, from the first spark of the idea to the moment you hold the keys.

Sales dipped, prices held close to last year and apartments got cheaper. Five plain answers using CREB's September 2026 numbers.

Two federal programs can cut the GST on a new home in Alberta. Who qualifies and how much you get back.

Before you book showings, a few behind the scenes steps can save you a lot of stress and money later.

How down payments work in Canada, what the minimums really are, and how to decide what makes sense for you.

They sound similar but they're not the same. Knowing the difference can mean a smooth purchase instead of a last minute scramble.

They aren't flashy, but they're essential. With a bit of planning, closing costs don't have to be a surprise.

Both can work. It depends on your budget, comfort with risk and long term plans.

The stress test asks one question: if interest rates went up, could you still afford your payments?

No one can time the market, not banks and not economists. A better question to ask instead.

Knowing what to watch for helps you avoid most of them.

A quick conversation shows you what is possible and what to watch for. No obligation.