Buying a home is a major milestone—but for Alberta’s first responders, shift work, overtime income, and unique schedules can sometimes complicate the mortgage approval process. The good news is there are practical ways to strengthen your application and improve your chances of approval.
This guide answers the most common questions first responders ask when preparing to apply for a mortgage in Alberta.
Who qualifies as a “first responder” in Alberta?
The
Alberta First Responder Mortgage Program supports:
- Police officers and RCMP
- Firefighters (career and volunteer)
- Paramedics and EMS staff
- Peace officers and correctional officers
- Nurses, healthcare professionals, and AUPE members (through related front-line worker programs)
What documents should I prepare before applying?
Lenders want a complete and accurate picture of your finances. As a first responder, gather these upfront:
- Two most recent pay stubs
- Employment letter confirming position, wage, and hours (include overtime/shift premiums if regular)
- Last 2 years of T4s and Notice of Assessment (NOA)
- Bank statements showing 90-day history of down payment funds
- Government-issued ID
- If separated/divorced: signed separation agreement outlining debts, assets, and support obligations
How do lenders view overtime, bonuses, and shift premiums?
- Consistent overtime/shift premiums: Many lenders will include them if supported by 2 years of T4s and an employer letter.
- Irregular income: Often averaged over 2 years to ensure stability.
- Bonuses: Accepted if predictable and verified with documentation.
Tip: Ask your employer to confirm in writing that overtime or premiums are “regular and ongoing.”
What credit score do I need?
Most A-lenders in Alberta prefer a score of
680+, but approvals are possible with lower scores depending on your debt ratios and overall profile. Boost your score by:
- Paying bills on time
- Reducing credit card balances
- Avoiding new credit applications before approval
How much down payment is required?
- 5% for homes up to $500,000
- 10% on the portion between $500,000 and $999,999
- 20% for homes $1M or more (not CMHC-insurable)
Acceptable sources include savings, RRSP (via Home Buyers’ Plan), and immediate-family gifts (with signed gift letter). Keep a clean
90-day history of all funds.
How can I strengthen my mortgage application as a first responder?
- Get pre-approved early – Know your borrowing power before shopping.
- Organize documents – Have all employment, income, and down payment proof ready.
- Pay down debts – Lower balances improve your Total Debt Service (TDS) ratio.
- Avoid big purchases – Hold off on financing vehicles or major items before approval.
- Work with a broker familiar with first responders – They’ll know which lenders best handle shift income and overtime.
How does the Alberta First Responder Mortgage Program help?
This program, brokered through TMG The Mortgage Group, provides:
- Exclusive discounts (including AUPE benefits)
- Flexible underwriting for overtime/shift work
- No-cost mortgage brokerage services for standard residential mortgages
- Ongoing support of AFRA (Alberta First Responders Association), with $200 donated per referral
Bottom Line
As a first responder, you give so much to Alberta communities. When it’s your turn to buy a home, the right preparation and guidance can make the process smoother—and more affordable. By organizing your documents, strengthening your credit, and using programs designed for first responders, you’ll be in the best position to secure approval.
Ready to boost your mortgage application?
Contact
Garett Martin Mortgages today:
How First Responders in Alberta Can Boost Their Mortgage Application