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Mortgages to get you mortgage free faster

Whether you’re buying a new home or your next place, renewing, renovating, refinancing, tapping into your home equity, or on the hunt for an investment property, you need a mortgage that meets your needs


Explore our mortgage options, use the mortgage calculator to help figure out what you can afford and then tap into our experienced and helpful team to find the plan that suits your personal situation best!


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Mortgages Products

Personal Mortgages

Let’s get you on the right mortgage plan, with fast approvals and competitive rates. The best mortgage plans will always fit your needs today and your financial goals for tomorrow, without leaving you house poor.

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Mortgage Rates

Just a half percentage point less on your rate could save you a few thousand dollars per year! Check out First Calgary’s rates, then give us a call. You won’t need to haggle. We’ll always offer you the very best rate you qualify for.

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Mortgage Calculator

This handy Mortgage Calculator can help you navigate the home-buying budgeting process! Use it to help to determine what you can afford, while still achieving your savings goals for the future.

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Mortgage Terminology Worth Knowing

Principal & Interest

Each mortgage payment that you make reduces the amount you've borrowed (the principal). It also pays for the cost of your mortgage (the interest), reducing the outstanding principal balance of the mortgage over time.


Open vs Closed Mortgage

  • A closed mortgage typically has lower interest rates and in turn lower cost of borrowing. This is a good long term option resulting in a larger principal payment.
  • An open mortgage allows you to pre-pay, pay out or renegotiate your mortgage, without penalty. This is a great option for homebuyers who may be planning on making a change in the near future.

Fixed vs Variable Interest Rate

  • A fixed interest rate protects you from sudden increases in your monthly mortgage payments if interest rates increase. You'll know what your repayments will be and they are unaffected by interest rate changes during the term of your mortgage.
  • A variable interest rate fluctuates up or down with Prime. This can affect your repayments. If the interest rate goes up, your repayments will also increase, if the interest falls, your repayments will also go down.

Down Payment

If you're a first time homebuyer, you have the option of making a 5% down payment. If so, the Canadian Mortgage and Housing Corporation or Genworth will need to provide insurance on your mortgage.


Add this premium to your down payment, or onto your mortgage amount. If added to your mortgage amount, you'll pay interest on the premium at the same rate as your mortgage. Remember to factor that into your monthly payment calculation.


Worried About Prime Increasing?

Some of our mortgage plans allow you to convert to a fixed-rate and term, provided the new term maturity date extends beyond the original term maturity date. Talk to us to find out more!



The Legal Stuff

*Terms and conditions apply. Rates are subject to change without notice. Specials offers may be changed, withdrawn or extended at any time, without notice. Rates are applicable to residential mortgages only and subject to First Calgary Financial lending criteria for residential properties. Legal Terms of Use apply.