Teléfono 1-844-403-7539

Buying Your First Home in Calgary?

Get Pre-Approved in 24 Hours.

We shop 20+ lenders so you don’t have to. Find your best rate, see exactly how much you can afford, and start house hunting with confidence – all at zero cost to you.

5-Star Rated

20+ Lenders

$0 Cost to You

Pre-Approved in 24hrs

Get Your Free Pre-Approval

Prefer to talk? Call us: 1-844-403-7539

No credit check required. Takes 2 minutes. A Red Key broker will call you within 1 business hour.

Why 9 Out of 10 First-Time Buyers Overpay on Their Mortgage

Most first-time buyers go straight to their bank. That’s one lender, one set of rates, one opinion on what you qualify for. And honestly? It’s usually not in your favour.
A mortgage broker works differently. We sit on your side of the table – not the bank’s. We shop your application across 40+ lenders to find the rate and terms that actually fit your life. And it doesn’t cost you a penny – the lender pays our fee.

What You Get With Red Key

Access to 40+ lenders – banks, credit unions, monoline lenders, and alternative lenders

Pre-approval in as little as 24 hours – so you can house hunt with confidence

A dedicated Calgary broker who knows the local market inside and out

Help navigating every Alberta first-time buyer program (RRSP, FHSA, and more)

Zero cost to you – ever. The lender pays our fee. No hidden charges.

Honest advice, not a sales pitch. If now isn’t the right time, we’ll tell you.

Get Your Free Pre-Approval

01

Tell Us About Yourself

Fill out the quick form above – it takes about 2 minutes. No credit check at this stage. Just your name, contact info, and when you’re hoping to buy. That’s it.

02

We Find Your Best Rate

A Red Key broker reviews your situation and shops your profile across 40+ lenders. We look at rates, terms, flexibility, and prepayment options – not just the lowest number. You’ll get a clear picture of what you can afford and what your payments will look like.

03

Start House Hunting

With your pre-approval letter in hand, you know your budget, your rate is held for up to 120 days, and realtors take you seriously. You’re not just browsing anymore – you’re a qualified buyer ready to make an offer.

What Calgary First-Time Buyers Are Saying

Alberta Has Some of the Best First-Time Buyer Programs in Canada

Most first-time buyers don’t know about all the help that’s available. Here’s what you could be leaving on the table:

RRSP Home Buyers’ Plan

Withdraw up to $60,000 from your RRSP tax-free for your down payment. Buying with a partner? That’s $120,000 combined.

First Home Savings Account (FHSA)

Tax-deductible contributions AND tax-free withdrawals for your first home. If you’re not using this yet, you’re missing out.

No Land Transfer Tax in Alberta

Unlike Ontario or BC, Alberta doesn’t charge land transfer tax. That saves you thousands at closing.

Only 5% Down Payment Required

On homes under $500K, you only need 5% down. On a $400K Calgary home, that’s $20,000 – not the $80,000 most people think.

Not sure which programs you qualify for? That’s exactly what your free consultation covers. We’ll map out every dollar available to you.

See What I Qualify For

Common Questions From First-Time Buyers

Not at this stage. Our initial conversation and assessment don’t require a credit check. When you’re ready to formally apply, we’ll do a single credit pull – which has a minimal and temporary impact on your score.

Zero. Nothing. Nada. The lender pays our fee when your mortgage closes. There are no upfront costs, no hidden charges, and no obligation. If we can’t help you, you owe us nothing.

Most of our clients are pre-approved within 24 hours. Some same-day. It depends on how quickly we receive your documents, but we move fast because we know the market doesn’t wait.

For homes under $500,000, the minimum is 5%. For the portion between $500K and $1M, it’s 10%. So on a typical $450K Calgary home, you’d need $22,500. And remember – you can use your RRSP ($60K) and FHSA to get there.

That’s one of the biggest advantages of working with a broker. Banks have rigid rules. We have 40+ lenders with different criteria. We’ve helped clients with credit scores in the low 600s get approved at competitive rates. Let’s talk about your specific situation.

Absolutely. Self-employed buyers are actually one of our specialties. We work with lenders who look at your actual income – bank statements, contracts, business revenue – not just your tax return. If you’ve been self-employed for 2+ years, there are great options.

Your bank offers their products at their rates. A broker shops your application across 40+ lenders to find the best fit. Same idea as using a travel agent vs. booking directly with one airline. Except this one is free and could save you tens of thousands of dollars.

Typically 90 to 120 days, depending on the lender. Your rate is locked in during that time, so even if rates go up, you’re protected. If your pre-approval expires before you find a home, we can renew it.

Ready to See What You Can Afford?

Your free pre-approval takes 2 minutes. No credit check. No obligation. No cost – ever.

Or call us directly: 1-844-403-7539

Available Mon–Fri 7am–9pm, Sat 9am–5pm

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