Step 1: Get Pre-Approved For Your Mortgage 


Shopping without a pre-approval is guessing. You need to know your numbers before you start.

A pre-approval tells you what you can afford, helps you act quickly, and puts you in a stronger position—especially in competitive situations.

You have two options:

  • Your bank: one set of products, limited flexibility
  • Mortgage broker: access to multiple lenders, more options, often better terms

We typically recommend working with a mortgage broker. They compare rates across 20+ lenders, including major banks, and structure financing based on your situation.

They’ll review your credit, income, and the type of property you’re buying (home vs condo matters), then determine your max purchase…

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The home buying process starts with figuring out what you can afford to purchase. A 10 minute conversation with our mortgage partner will provide clarity about what you can afford or what you need to work on to be able to reach your home ownership goals!

How to start your mortgage in Calgary

As early as a year prior to purchasing, our mortgage partner starts working with our clients to position them for success in the home buying process. We want this to be an enjoyable experience for our clients. For that reason, we’ve broken the mortgage process down into 3 simple steps.

Check out our Calgary mortgage process guide below, and keep reading to see all the steps to obtaining a mortgage. 


  1. Schedule a 10-minute mortgage call to discuss your…

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While your REALTOR should be able to guide you through the many nuances of buying and selling a home in Calgary, it’s always a good idea as a consumer to educate yourself as much as possible on the process of a real estate transaction both on the selling and purchasing side. 

Purchase contract conditions in Calgary

When purchasing or selling a home, there are conditions that you need to be aware of that a buyer may bring to the table in their offer, these can be negotiated by both parties, but there are often typical conditions that are widely accepted by the selling party in a contract as they’re quite typical in most purchase contracts. 

The financing condition

Many buyers obtain pre-approvals or are pre-qualified by their mortgage brokers, but having this does not mean you…

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