Calgary, Alberta · Home Buyer Guide

Buy with clarity.
Own with confidence.

A practical roadmap from your first mortgage conversation to possession day—with the decisions, costs and safeguards to plan for along the way.

Explore the guide ↓Download the PDF
Home Buyer Guide cover
Your roadmap

The journey.
Five clear steps.

A preview of the complete process covered in the downloadable guide.

  1. 01

    Pre-approval

    Review the numbers and secure a pre-approval.

  2. 02

    Down payment

    Confirm cash, insurance, amortization and reserves.

  3. 03

    Search criteria

    Define the location, property and budget.

  4. 04

    Making an offer

    Set terms, timing and protective conditions.

  5. 05

    Closing

    Complete legal signing, walkthrough and possession.

Step 01 · Pre-approval

Start with the mortgage conversation.

A pre-approval gives your search a working range, estimated payment and documentation plan.

Good to knowA pre-approval is not final mortgage approval. The property and completed borrower file still require approval.
32%

General planning guideline for gross debt service.

40%

General planning guideline for total debt service.

Start with the mortgage conversation. page preview
From the complete Home Buyer Guide
Step 02 · Down payment

Know the minimum—then choose the right amount.

Separate the down payment, mortgage-insurance premium and closing reserve.

Primary residence

Tiered minimums generally begin at 5%, depending on purchase price.

Investment property

A minimum 20% down payment is generally required.

CMHC premium

Standard premiums range from 2.80% to 4.00% below 20% down.

Closing reserve

Plan separately for legal, inspection, appraisal and adjustments.

Know the minimum—then choose the right amount. page preview
From the complete Home Buyer Guide
Step 03 · Search criteria

Focus the search around your priorities.

Compare the right opportunities before the pressure of an offer.

MLS® alerts

Personalized by area, budget and must-haves.

Builder opportunities

Projects, inventory, incentives and upgrades.

Off-market homes

Private opportunities through professional relationships.

Market comparisons

Recent sales and competition reviewed before an offer.

Focus the search around your priorities. page preview
From the complete Home Buyer Guide
Steps 04–05

Build the offer—and prepare for possession.

Price is only one part of the agreement. Conditions, deposit, inclusions, timing and closing all matter.

Protective conditions

Complete financing, inspection and document reviews deliberately.

Possession planning

Coordinate insurance, legal signing, funds and the final walkthrough.

Build the offer—and prepare for possession. page preview
From the complete Home Buyer Guide
Local insight. Direct access. No pressure.

Ready to build your plan?

Start with a clear conversation about the numbers, the property and the decision.

Download the complete guide
Samneet Oberoi
Samneet OberoiCall Samneet