First-Time Home Buyer Mortgage in Calgary: Your Complete Guide (2025)

Buying your first home in Calgary is exciting — but it can also feel overwhelming. Between rates, lenders, paperwork, and confusing mortgage terms, many first-time buyers aren’t sure where to start.

That’s why Dealerhop has partnered with Homewise, Canada’s most streamlined and transparent mortgage platform. Together, we make getting your first mortgage fast, stress-free, and genuinely optimized to save you money.

If you’re a first-time home buyer in Calgary, here’s everything you need to know.

🏡 Why First-Time Buyers in Calgary Choose Homewise + Dealerhop

✔️ Apply in Minutes — 100% Online

With a quick online application, you answer a few simple questions. Homewise builds your personalized mortgage profile and immediately starts matching you with the best options from 30+ banks, credit unions, and lenders.

✔️ We Negotiate for You

Homewise’s mortgage experts negotiate directly with the lenders on your behalf — ensuring you get the lowest possible rate, the best features, and mortgage options built around your life and your budget.

✔️ You Get Tailored Options

Rather than receiving only one mortgage option (like many banks provide), you get a list of personalized solutions. Compare, pick the best one, and save thousands.

✔️ A Personal Mortgage Advisor

Every Dealerhop + Homewise client gets matched with a dedicated Advisor who guides you from application to approval — from pre-approval to closing day.

✔️ It’s Always Free & Transparent

No hidden fees. No lender bias. No jargon. Just smart mortgage shopping built for first-time buyers.

🏦 Homewise vs. The Other Guys

Homewise + Dealerhop

• Apply online, anytime
• Honest, transparent, jargon-free
• Options from 30+ lenders
• Multiple tailored mortgage choices
• Always free
• Friendly support through every step

Traditional Banks

• Must visit in person during work hours
• Confusing language and sales pressure
• Only 1–3 lenders considered
• Usually one mortgage option
• Potential hidden fees
• No comparison shopping

🔍 How the First-Time Home Buyer Mortgage Process Works

1. Apply Online in Minutes

Start the process through Dealerhop and complete your secure application with Homewise. It only takes a few minutes.

2. Build Your Mortgage Profile

Using your answers, Homewise creates your custom profile and automatically matches you with the lenders that fit your financial and home-buying needs.

3. We Negotiate for You

Homewise negotiates with 30+ banks and lending partners to secure the best rates and terms — so you don’t have to.

4. Get Your Best Mortgage Options

You’ll receive a curated list of mortgage options built for your situation as a first-time buyer.

5. Get Approved With Expert Help

Your Homewise Advisor helps you understand your options, gather your documents, and move confidently toward approval.

🏡 Why Calgary Is a Great Place for First-Time Buyers

Calgary continues to be one of Canada’s most attractive real estate markets thanks to:

• More affordable home prices compared to major cities
• Strong job growth
• Family-friendly neighbourhoods
• Expanding suburban developments
• A growing population and stable economy

Whether you're purchasing in Sage Hill, Auburn Bay, Evanston, Mahogany, McKenzie Towne, or downtown, a strong mortgage pre-approval gives you an advantage in Calgary’s competitive market.

🎁 First-Time Home Buyer Incentives in Alberta

As a first-time buyer in Calgary, you may also qualify for:

• First-Time Home Buyer Incentive (FTHBI)
• RRSP Home Buyers’ Plan (HBP)
• GST/HST New Housing Rebate
• Alberta Land Transfer Tax Advantage (AB has no land transfer tax — huge savings!)

Your Homewise Advisor will guide you through these programs and help you maximize your savings.

📈 How Much Can You Get Approved For?

Your approval amount typically depends on:

• Income
• Down payment
• Credit score
• Current debts
• Property type
• Mortgage stress test results

By applying through Dealerhop + Homewise, you get a personalized assessment and clear answers — without the guesswork.

💡 Tips for First-Time Buyers in Calgary

• Get pre-approved before house hunting
• Keep documents ready (pay stubs, tax returns, ID, etc.)
• Avoid major purchases during the approval process
• Understand fixed vs. variable rates
• Compare options — never settle for one bank
• Work with trusted advisors

🚀 Start Your Calgary Mortgage Application Today

Buying your first home should be exciting — not stressful.

With Dealerhop + Homewise, you can:

✔️ Apply online in minutes
✔️ Get matched with the best mortgages from 30+ lenders
✔️ Save thousands with negotiated rates
✔️ Receive personal guidance to approval

Ready to start your first mortgage in Calgary?

Apply with Homewise through Dealerhop today — it’s fast, free, and built for you.