Alberta First Responder Mortgage Program – Everything You Need to Know
Buying a home in Alberta is a big step, especially for those who dedicate their lives to serving and protecting our communities. That’s why the Alberta First Responder Mortgage Program was created — to provide tailored mortgage solutions for police officers, firefighters, paramedics, correctional peace officers, and other front-line heroes.
As a former Alberta Peace Officer, I understand the unique challenges first responders face when it comes to shift work, overtime income, and qualifying for a mortgage. This guide answers the most common questions first responders ask about getting approved, accessing discounts, and understanding the benefits available to them.
What is the Alberta First Responder Mortgage Program?
The Alberta First Responder Mortgage Program is a specialized mortgage option designed for police, RCMP, EMS, paramedics, firefighters, correctional peace officers, and other front-line professionals.
Through this program, eligible first responders can access:
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Exclusive mortgage discounts (including AUPE member benefits)
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AFRA sponsorship perks – $200 donated per AFRA referral
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Flexible underwriting for shift work and overtime income
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No-cost mortgage brokerage services for standard residential mortgages
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Personalized guidance from a broker who has worked in the first responder community
Who qualifies for the program?
The program is open to most Alberta first responders and front-line workers, including:
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Police Officers and RCMP
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Paramedics and EMS
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Firefighters (career or volunteer)
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Peace Officers and Correctional Officers
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Nurses and other healthcare workers (through related front-line programs)
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AUPE members in good standing
Does AUPE offer mortgage benefits?
Yes — AUPE members are eligible for mortgage discounts through this program, including a 10 basis point discount on select mortgages.
Important: While this program provides benefits for AUPE members, it is not officially affiliated with or endorsed by AUPE. The benefits are offered through partnerships with lenders and broker programs.
How is AFRA (Alberta First Responders Association) involved?
The Alberta First Responder Mortgage Program is a proud corporate sponsor of AFRA. As part of the partnership:
When you arrange your mortgage through the program, you’re not only helping yourself — you’re helping support other first responders across Alberta.
Can overtime and bonuses be used for mortgage approval?
Yes — but it depends on the lender. Some lenders only use your base hourly or salaried income, while others will allow overtime and bonuses if they are consistent and proven with documents such as:
This is where working with a broker matters — we know which lenders will recognize first responder income structures.
What documents do I need to apply?
Here’s a quick checklist for first responders applying for a mortgage:
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Most recent pay stubs (30 days)
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T4s for the past 2 years
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NOAs for the past 2 years
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Employment letter confirming position, wage, and overtime/bonus details
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Proof of down payment (bank statements)
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Government-issued ID
Is there a cost to use this program?
No. Mortgage broker services for standard residential mortgages are free. The lender pays the broker once your mortgage is completed.
Where in Alberta is this program available?
This program is available across Alberta, including:
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Edmonton
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Calgary
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Red Deer
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Lethbridge
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Fort McMurray
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Grande Prairie
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Medicine Hat
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Surrounding communities
Why choose Garett Martin Mortgages?
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Former Alberta Peace Officer – I understand the unique financial needs of first responders
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Brokered through TMG The Mortgage Group – one of Canada’s top broker networks
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Local expertise – based in Alberta, serving clients across the province
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Giving back – every AFRA referral supports the first responder community
Ready to learn more?
Contact Garett Martin Mortgages today:
Helping Alberta’s Heroes Buy Homes