Ready to begin your mortgage pre-approval?
Start your mortgage pre-approval wherever you choose with our comprehensive, convenient online process.
Mortgages
First-time Home Buyers
Congratulations! You're ready to buy your first home, and we're here to make it as simple, straightforward and affordable as possible.
How we can make your first mortgage work for you.
Not all mortgage pre-approvals are created equal
At ATB we do a little extra work up front so you can be extra confident in the amount that we pre-approve you for when you’re house hunting.
Repay your way
Increase regular payments by up to 20%1 per year and/or prepay up to 20%1 of your original mortgage amount per year on fixed mortgages. With Loan Protection, you may be able to have payments covered in the event of death or disability.
Expert advice every step of the way
Our complete guide to buying a home in Alberta takes you step-by-step through the process so you can feel confident taking the leap.
Check out our mortgage calculators
Discover the mortgage and payments you can afford.
Mortgage Affordability Calculator
Get an estimate of the mortgage and home price within your budget.
Mortgage Payment Calculator: Home buyer
Input your mortgage details and we’ll share what your future payments will look like.
​Find the mortgage that's right for you.
Move on your savings
Conventional Mortgage
(20% down payment or more)
Have a down payment of 20% or more? This mortgage is your best choice. Choose interest rate and term options that work for you.
Move sooner, not later
Insured Mortgage (5-20% down payment)
Designed for a down payment as low as 5%. We'll even do the legwork on mandatory mortgage default insurance.
Peace of mind
Loan Protection
Take comfort in knowing the balance of your loan and line of credit is covered in the event of disability or death.
Frequently Asked Questions
Unfortunately, not. Once you have a down payment of at least 5%, you may qualify for an Insured Mortgage, but 5% is the minimum we can accept.
That’s two FAQs but we’ll address them both here in the difference between pre-qualification and pre-approval.
Want to talk with an expert?
Talk with a Mobile Mortgage Specialist about options to make your mortgage work for you.
Pre-payment percentage based on original mortgage amount. Prepay or increase payments by 10% available on Rate First mortgages only.