First-Time Buyers
Your First Home is Closer Than You Think We help first-time buyers across British Columbia and Alberta get pre-approved fast — with access to 90+ lenders and zero broker fees. Get Your Free Pre-Approval → 90+ Lenders Compared $0 Broker Fees — Ever 65+ 5-Star Google Reviews The Hardest Part of Buying Your First Home […]
Your First Home is Closer Than You Think
We help first-time buyers across British Columbia and Alberta get pre-approved fast — with access to 90+ lenders and zero broker fees.
The Hardest Part of Buying Your First Home is Not Knowing What You Can Afford
Most first-time buyers spend months browsing listings before they even know their budget — and then lose their dream home to a buyer who already had their financing in place. We fix that. In a single 20-minute call, Paramvir or Jimmy will tell you exactly what you qualify for, what your monthly payments will look like, and what programs you may be eligible for as a first-time buyer in BC or Alberta.
How It Works — 3 Simple Steps
Discovery Call
We learn about your goals, income, and timeline. No paperwork yet — just a conversation.
Fast Pre-Approval
We shop 90+ lenders to find your best rate and issue a pre-approval letter — usually within 24 hours.
House Hunt with Confidence
You know your exact budget. We handle all lender communication while you focus on finding the right home.
First-Time Buyer Programs in BC & Alberta
As a first-time buyer, you may qualify for several government programs that can significantly reduce your upfront costs. We help you navigate all of them:
| Program | Province | Benefit |
|---|---|---|
| First Home Savings Account (FHSA) | Canada-wide | Save up to $40,000 tax-free toward your first home |
| Home Buyers’ Plan (HBP) | Canada-wide | Withdraw up to $60,000 from your RRSP tax-free |
| First-Time Home Buyers’ Tax Credit | Canada-wide | Up to $1,500 tax credit on your return |
| BC Property Transfer Tax Exemption | BC Only | Full PTT exemption on homes up to $835,000 |
| Alberta Land Transfer Rebate | Alberta Only | No provincial land transfer tax (saves thousands) |
Common First-Time Buyer Questions
In Canada, the minimum down payment is 5% for homes under $500,000. For homes between $500,000 and $999,999, it’s 5% on the first $500K and 10% on the remainder. We can help you explore all options including gifted down payments from family.
A single credit inquiry for a mortgage pre-approval has minimal impact on your score — typically 5 points or less. We only pull your credit once and shop it to multiple lenders, so you don’t get multiple hard inquiries.
A pre-qualification is an informal estimate based on self-reported information. A pre-approval is a verified commitment from a lender based on your actual documents. Sellers and agents take pre-approvals seriously — pre-qualifications are often ignored.
Your bank will only offer you their own products. We have access to 90+ lenders — including banks, credit unions, monoline lenders, and trust companies — and we negotiate on your behalf. Our service costs you nothing; we’re paid by the lender you choose.
Ready to Find Out What You Qualify For?
Book a free 20-minute strategy call with Paramvir or Jimmy. No obligation, no pressure — just clear answers.
Serving Surrey, Vancouver, Calgary, Edmonton, and all of BC & Alberta