Plain English, current rules, verified numbers. Written for Alberta — where the prices, fees and lender landscape are different from the Toronto-centric advice you'll find elsewhere.
✓ All guides updated July 17, 2026Minimum down payments, the FHSA and $60k Home Buyers' Plan, 30-year amortizations, the stress test, and Alberta's tiny closing costs — step by step.
Read the guide →The 120-day timeline, the no-stress-test switching rule, why renewal letters quote high, and the exact script that gets rates matched.
Read the guide →How lenders read business income, the two-year average and add-backs, A vs B lender routes, and the document checklist that speeds approvals.
Read the guide →The 80% rule, break penalties explained honestly, what consolidating 21% card debt really saves, and when a HELOC beats a refinance.
Read the guide →Get matched free with a licensed Alberta mortgage broker for answers specific to your file. 60 seconds, no credit check, no obligation.
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