Buying Your First Home in Calgary? WATCH THIS FIRST...

Want to map your own three piles against the kind of property you're actually looking at? Book a free consultation below and we'll build your number together. 📩 ash@ashiyer.com | 📞 403.903.6399 Ash Iyer | REALTOR® | LPT Realty at The Getty Group Serving Calgary, Airdrie, Cochrane, Chestermere & Okotoks You'll learn the minimum down payment tiers that changed in December 2024, how the mortgage stress test decides what you actually qualify for, and the cost almost every first-time buyer forgets to plan for. I break the money into three separate piles you need at three different times: the deposit due the day your offer is accepted, the down payment plus closing costs due at possession, and the monthly carrying cost you live with after. I also cover the Alberta advantage that quietly saves you thousands. There's no land transfer tax here, so your Calgary closing costs run well below a province that charges one. Then the government programs most people leave money on the table by skipping: the First Home Savings Account and the Home Buyers' Plan, how they stack, and why a couple buying together can each use both. And if you're buying new construction, there's the First-Time Home Buyers' GST Rebate, which can hand back up to $50,000. By the end you'll know the real cash you need, when each piece is due, and the one step to take this week that's fully in your control.