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Personal Mortgages


You love your home. We love finding you the right mortgage plan.

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.


First Calgary’s Finish Faster Mortgages Comes With Perks:

  • 20/20 Pay-Down Option
    • Pay up to 20% of your original mortgage principal each year
    • Increase your scheduled payments by 20%
    • Or both! All without any penalty.
  • Mortgage Pre-Approvals:  Can be arranged at no cost.


  • Portable and Assumable: Life changes happen. Our mortgages are portable to new property and assumable to new purchasers.

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?Did You Know

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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Tips On How To Get Mortgage Free Faster

Let’s say you're starting details were:

  • Principal Amount: $250,000
  • Mortgage Term: 5 Years
  • Interest Rate: 2.89%

Option 1: Spread payments over 25 years

  • Monthly Payment Amount: $1,169
  • Interest Over 5 Year Term: $33,376
  • Balance Owing After 5 Year Term: $213,233

Option 2:  Mortgage free in 22 years 4 months by making accelerated bi-weekly payments

  • Accelerated Bi-weekly Payment Amount: $585
  • Interest Over 5 Year Term: $32,891
  • Balance Owing After 5 Year Term: $206,903

Option 3:  Mortgage free in 20 years by increasing monthly payments by 20% after year 2

  • Monthly Payment Amount Year 1-2: $1,169
  • Monthly Payment Amount Year 3-5: $1,403
  • Interest Over 5 Year Term: $33,014
  • Balance Owing After 5 Year Term: $204,453

Option 4:  Mortgage free in 18 years 9 months by making monthly payments and a lump sum payment of
20% 2 years into a 5 year term

  • Monthly Payment Amount: $1,169
  • Lump Sum Payment At Year 3: $50,000
  • Interest Over 5 Year Term: $28,881
  • Balance Owing After 5 Year Term: $158,738

Option 5:  Mortgage free in 17 years 6 months by making accelerated bi-weekly payments and additional lump sum payments of $3,000 on each anniversary

  • Accelerated Bi-weekly Payment Amount: $585
  • Lump Sum Anniversary Payments: $3,000
  • Interest Over 5 Year Term: $31,992
  • Balance Owing After 5 Year Term: $191,004


Coming in for a mortgage appointment?

Make the most of our time together by ensuring that you have everything you need. You’ll want to bring:


  • Letter(s) of Employment and recent Paystub
  • NOA/T4/Personal Tax Return (2 years)
  • Confirmation of Down Payment: Copy of Bank Statement, Gift Letter, RRSP by way of Homeowners Plan
  • MLS Listing
  • Offer to Purchase (complete with all Addendums and/or Attachments) or Waivers if applicable
  • Government issued Photo ID
  • Social Insurance Number(s)
  • Occupation and Employer
  • Lawyer’s Name, Address, Phone, Fax and Email
  • Void Cheque or Account Verification Letter from Other Financial Institution
  • Any current Investment Statements and/or existing Insurance Details
  • $1.00 to become a member!

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, fees and charges for residential properties. The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you, and reach out to our teams to help determine if the product is appropriate for you. Legal Terms of Use apply.