First-Time Home Buyers

Buying your first home? Cool. Terrifying. Exciting.
Let’s do this.


First of all: deep breaths. You’ve got this.

Buying your first home in Edmonton doesn’t have to feel like doing your taxes on a roller coaster.

Renting getting old? Landlord raising rent again? We get it.

Stepping into the market feels huge, but getting a mortgage doesn’t need to involve endless lingo, confusing rules, or high pressure sales pitches. We do the heavy lifting, break down the numbers in plain English, and get you the keys to your first place without the stress.

You don’t need to know what you’re doing. That’s literally our job.
Ask all the questions. We explain the weird real estate terms, run the numbers, and figure out what actually makes sense for you. No “Well, everyone knows that…”

  • Can I actually afford a home?
    Maybe. Maybe not. Let’s find out.
  • We talk through the full picture:
    Your budget, your goals, and the things you haven’t thought of yet.
  • The real priority:
    Yes, you want the nice kitchen, but you also want to keep drinking overpriced lattes afteryou buy the place.

We’re in your corner. 

Whether you’re six months away, six weeks away, or you’re just starting to Google“how does buying a house even work?”…you’re welcome here. We’ll guide you through the steps, celebrate the wins, and keep you from accidentally signing something you don’t understand.

Your first home is a big deal. You don’t have to navigate it alone.

Want to Chat? We look forward to hearing from you!

Email me directly: collin@collinbruce.ca
We can set up a time to chat on the phone, meet you at the office, jump on a virtual call, or keep the whole thing over email if that’s more your jam.
 
Seriously – whatever works for you. No pressure. No judgement. No dumb questions.
 
We want to hear from you – and we’re in your corner!

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Frequently Asked Questions

Your affordability depends on your income, debt, credit score, and down payment. A mortgage professional can help you determine a realistic budget and get you pre-approved.
The minimum down payment is typically 5% for homes under $500,000, with higher requirements for more expensive properties. You can also inquire about our borrowed down payment option.
A pre-approval shows how much you can borrow and locks in at a rate for a period of time, giving you confidence and a competitive edge when making an offer.
Yes, it’s possible, but you may face higher interest rates or stricter conditions. A mortgage broker can help explore your options and improve your chances.
Yes. A mortgage broker provides access to multiple lenders, better rate options, and expert guidance, helping you find the right mortgage for your situation.

Have questions about buying your first home? Give us a call and we’ll be happy to walk you through the home-buying process.

Request a Call

CISN 103.9 GRAND GESTURE

CISN in the Mornings love to give back to those in need. Chris, Jack & Matt’s Grand Gesture with the Collin Bruce Mortgage Team!

Know a school in need of books or sports equipment?
A community charity doing great work, but needing more help?
Someone that just needs a hand?

Nominate below and once a month, we’ll come to the rescue with a $1,000 donation!

ENTER ONLINE

Testimonials

“Dealing with the Collin Bruce team was such a positive experience. They were so knowledgeable and helpful through every step of the process. They listened and answered all my questions and were very quick to respond back to me. This is my second time using them and I absolutely plan to use them again in the future!”

Ashiana (Spruce Grove)