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

Buying your first home in Edmonton is an exciting milestone — but it can also feel overwhelming. From navigating mortgage rates to understanding lender options, there’s a lot to consider.

That’s where Dealerhop and Homewise come in. Together, we make securing your first-time home buyer mortgage in Edmonton simple, transparent, and tailored to your needs.

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

✔️ Fast Online Application

Skip the bank lines. With just a few minutes online, Homewise builds your unique mortgage profile and matches you with the best options from 30+ banks, credit unions, and lenders.

✔️ Negotiation Done For You

Homewise negotiates directly with lenders so you get the lowest rates, the best mortgage features, and terms designed for your situation — saving you time and money.

✔️ Multiple Tailored Mortgage Options

Instead of a single “one-size-fits-all” option, you receive several personalized mortgage solutions. Compare them and pick the one that fits your budget and goals.

✔️ Expert Guidance Every Step of the Way

A dedicated Homewise Advisor guides you through the process — from application to pre-approval to final closing — making sure you understand every option.

✔️ Free, Transparent, and Unbiased

No hidden fees, no jargon, and no lender bias. Just smart mortgage solutions designed to help first-time buyers succeed.

🔍 How First-Time Home Buyer Mortgages Work in Edmonton

1. Apply Online in Minutes
   Start your mortgage application through Dealerhop + Homewise — it only takes a few minutes.
2. Build Your Mortgage Profile
   Answer a few simple questions. Homewise automatically matches you with lenders that suit your needs.
3. We Negotiate for You
   Homewise communicates directly with 30+ lenders to get you the best rates and terms.
4. Compare Your Options
   Receive a curated list of mortgages tailored to you. Choose the one that fits your budget and lifestyle.
5. Get Approved With Confidence
   Your Homewise Advisor guides you through documentation and approval, making your first-time buying experience smooth and stress-free.

🏡 Why Edmonton Is Great for First-Time Buyers

Edmonton offers first-time buyers a mix of affordability, amenities, and growth:

• Diverse and affordable housing options across Windermere, Summerside, Terwillegar, Lakewood, and Downtown Edmonton
• Strong job market with growing industries
• Family-friendly neighborhoods and great schools
• Access to parks, trails, and the scenic North Saskatchewan River valley

A pre-approved mortgage can give you an advantage in Edmonton’s competitive housing market.

🎁 First-Time Home Buyer Incentives in Alberta

Edmonton first-time buyers can take advantage of programs like:

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

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

💡 Tips for First-Time Buyers in Edmonton

• Get pre-approved before house hunting
• Keep documents like pay stubs, ID, and tax returns ready
• Avoid major purchases during the mortgage process
• Compare fixed vs. variable rates carefully
• Explore multiple lender options through Dealerhop + Homewise
• Work closely with your mortgage advisor

🚀 Start Your Edmonton Mortgage Today

Buying your first home should be exciting, not stressful. With Dealerhop + Homewise, you can:

✔️ Apply online in minutes
✔️ Compare mortgage options from 30+ lenders
✔️ Get negotiated rates that save you money
✔️ Receive personal guidance through every step

Start your first-time home buyer mortgage in Edmonton today — it’s fast, free, and designed for you.