Couple reviewing mortgage options on a laptop in their new home
Canada's No Down Payment Mortgage

Own a Home.
Skip the Down Payment.

Good credit and solid income? You may qualify to buy a home today — with zero down payment saved. Submit your details and a mortgage specialist will send your personalized pre-approval estimate within 5–10 minutes.

  • BBB Accredited
  • No credit pull to estimate
  • Licensed Alberta brokers

Get Your Free Estimate

A specialist will review your numbers and email your estimate within 5–10 minutes.

How is your credit?

We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.

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Tell us a bit more

This helps us understand where you're at so we can match you with the right options.

Bruised credit details

What's your down payment situation?

Choose the option that best matches your situation.

Down payment

We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.

When are you looking to buy?

This helps us tailor our follow-up to your timeline.

Timeline

We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.

Your Income & Debts

Complete all fields and we'll calculate your result instantly.

We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.

Where should we send your results?

Your estimate will be calculated and sent shortly.

How should we follow up?

We DO NOT pull your credit. Your information is used only to reach out to you. No portion is shared with any third party. For more information, please refer to our Privacy Policy.

We'll be in touch shortly to discuss your options. Check your email for a copy of your results.

In the meantime, avoid applying for any new credit — this can affect your score before your pre-approval.

You're all set!

We've received your information and will be in touch shortly to discuss your pre-approval options.

In the meantime, avoid applying for any new credit — this can affect your score before your pre-approval.
How it Works

A smarter path to homeownership

The federal government permits one type of no-down-payment mortgage — and we specialize in it. If you have the income and credit, you could be moving in sooner than you think.

Check Your Eligibility

Use our calculator to see if your credit and income qualify. No credit bureau pull — takes under a minute.

Get Pre-Approved

We submit your application to lenders who specialize in this program. One inquiry, done right.

Buy Your Home

Start shopping with confidence. The mortgage rate is the same as a 5% down payment — no penalty for skipping the savings wait.

Features

Why choose Skip the Down Payment?

Everything you need to stop renting and start building equity — years sooner.

Stop Waiting, Start Owning

Average buyers wait 5–10 years to save a 5% down payment. With rising rents and home prices, this program changes that math entirely.

Same Rate as 5% Down

You won't be penalized on your mortgage rate simply because you didn't save a down payment. The rate is identical.

Build Equity Immediately

Every mortgage payment builds your net worth. We've helped hundreds of renters build tens of thousands in equity — years sooner.

No Broker Fees

As licensed mortgage brokers, the bank pays us — not you. Your only out-of-pocket costs are the lawyer (~$1,800) and optional inspection (~$500).

Client Reviews

Real Canadians. Real results.

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FAQs

Common questions

Quick answers to what most buyers ask before they get started.

Yes — if it makes financial sense for you, why wait? Not everyone is lucky enough to have family who can simply gift the 5%. For those of us who have no option but to save, it's a tough slog. The average buyer will have to save five to ten years just for the 5% down payment. We have helped hundreds of home buyers start their lives and build tens of thousands of dollars in equity, years sooner.
No. When you request a Quick Quote we do not pull your credit. However, if the estimated purchase price fits with what you want, the next step is a Pre-Approval. For this we will pull your Equifax FICO score — only once, and only with your written or verbal permission. One enquiry from a mortgage broker rarely impacts your score if you haven't been applying for credit recently.
We charge no fees. As licensed mortgage brokers, when we place your mortgage with a Canadian bank, they compensate us at no additional cost to you. Your two costs as a buyer are the lawyer's fee (approx. $1,800) and the property inspection (approx. $500). The Flexdown mortgage rate is the same as a 5% down payment mortgage. The one difference is a one-time 0.50% mortgage insurer premium — added to your mortgage balance, not paid out of pocket.
Good credit history is critical for approval with the FlexDown. A missed payment here or there is no big deal. However, if you've missed payments systemically, have collections, or are currently in a bankruptcy or consumer proposal, you will need to resolve this first and wait the required number of years for these items to fall off your credit bureau.
Use your base salary or hourly wages. Bonus and overtime income may be included however the banks use a two-year T4 average. This also applies to commission and variable income. Canada Child Benefit for children under 15 can also be counted as income.

Still have questions? Call us at (587) 317-1710 or send us an email.

Our Lending Partners

Backed by lenders you trust

We work with major Canadian banks, credit unions, and monoline lenders to find the right fit for your situation.

Logos shown are property of their respective owners and represent lenders we work with. Final lender selection depends on your individual qualification.

The grass is greener when you own it.

Submit your numbers and get a personalized pre-approval estimate from a specialist within 5–10 minutes. No credit check required.

Get Started →