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Down payment as low as 5%
Qualify for insured mortgages with as little as 5% down on homes up to $500,000, with flexible rules for higher price points.
Learn MoreGovernment Programs for Home Buyers
First-Time Home Buyer Mortgage
Navigate your first purchase with confidence
- Access first-time buyer programs and incentives
- Pre-approval so you can shop with confidence
Apply Now For Instant Approval
20+Years of Experience
50+Lender Partners
5K+Happy Clients
4.9★Client Rating
50+Lender Partners
First-Time Buyers
Your first home, with expert guidance every step
Buying your first home is one of the biggest financial decisions you will make. Our brokers guide you through every step — from understanding your budget to securing the best rate from 50+ lenders. We also help you unlock government incentives like the FHSA, Home Buyers' Plan, and land transfer tax rebates.
Key Advantages
Built for first-time buyers
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Government incentive guidance
We help you understand FHSA, HBP, and provincial rebates so you keep more money in your pocket at closing.
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Shop with pre-approval
Know your budget before you tour homes and make stronger offers that sellers take seriously.
Get Pre-ApprovedSteps & Process
Your path to homeownership
From first conversation to keys in hand — we simplify every step.
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Assess Your Budget
We review your income, savings, and debts to determine how much home you can comfortably afford.
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Get Pre-Approved
Receive a pre-approval letter with your maximum borrowing amount and a locked-in rate.
03
Find Your Home
Shop with confidence knowing your financing is in place and your offer will stand out.
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Close & Move In
We coordinate with your lawyer and lender to ensure a smooth closing day.
Mortgage Solutions
We Offer To You
Explore our full range of mortgage products and find the right fit.
Choose Your Service
Why You Should Choose AKAL Mortgages Inc.
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Borrowers
- When we say YES! We stand behind our promise
- Mortgage solutions based on your needs and qualifications
- Fast approvals and quick closings
- Save time and money
- Lower mortgage rates due to lender discounts and promotions
- Licensed, knowledgeable and experienced
- Protect your credit score
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Brokers
- The Most Important: Dedication to our agents!
- Bootcamp-3-days: Learn Lead Generation, Products and Underwriting
- Training: Weekly training and industry updates, One on one support
- Mentoring: Specialize in Residential, Business and Commercial
- Lead Generation: Proven successful campaigns to generate leads
- Personal website; mobile Apps; online virtual meetings, e-signatures
- Lenders: VIP access to more lenders and top tier compensation
- Professional office (at no cost to you): Meet your clients at the office
Our Valuable
Awards And Recognitions
AKAL Mortgages Inc. is honoured to showcase recent national awards, reaffirming our commitment to excellence in delivering innovative solutions for consumers and brokers.
Testimonials
Loved by thousands of clients
Bhavjeet at Akal Mortgages is the best mortgage agent, who truly goes above and beyond for his clients, with his expertise and deep knowledge. Always available on phone to answer all inquiries. Highly recommended.
ZA
Zulfiqar Ali✓ Verified Client Review
★★★★★
“I had an excellent experience working with Bhavjeet at Akal Mortgages Inc. He took the time to truly understand my situa…”
BC
Balbir Chera★★★★★
“Bhavjeet was very cooperative and knowledgeable in his field. Highly satisfied with the service provided by him and the …”
AN
Amir Naseer★★★★★
“I thoroughly enjoyed the three-day bootcamp at Akal Mortgages led by Bhavjeet. The practical information and real-world …”
SA
Siddhant Arora★★★★★
“Great service from Bhavjeet at Akal Mortgages — professional, responsive, and made the whole process smooth and stress-f…”
AB
Amar BhullarFAQ
Frequently Asked Questions
Have questions about first-time home buyer mortgage? Our mortgage experts are ready to help with a free, no-obligation consultation.
Contact UsA first-time home buyer mortgage is designed specifically for individuals purchasing their first property, offering tailored options, competitive rates, and guidance throughout the home-buying process.
A 5% down payment is available for homes up to $500,000. For homes priced higher, you put 5% on the first $500,000 and 10% on the portion above $500,000.
Beyond the down payment, budget for closing costs, legal fees, inspections, and ongoing expenses like maintenance and property taxes.
Your affordability is based on income, credit score, existing debts, and monthly expenses. Getting pre-approved gives you a clear estimate and strengthens your offer.
Ready to get started?Lock in your rate.
Lock in your rate.
Shop with confidence.
Free pre-approval in as little as 24 hours. No obligation, no hidden fees.