How First Responders in Alberta Can Use Overtime and Shift Work to Qualify for a Mortgage

Buying a home as a first responder in Alberta can feel complicated — especially when your income isn’t as predictable as a traditional 9-to-5 job. Police officers, firefighters, paramedics, nurses, and correctional peace officers often rely on

, which lenders don’t always understand.

The good news? With the

, your unique income structure can actually work in your favour — if it’s documented the right way.

Lenders want to see that your income is

over time. For first responders, this means they’ll look at your

to include overtime, shift differentials, and bonuses.

Here’s how it typically works:

→ always included in full.

→ included if it’s regular and supported by T4s and paystubs.

→ may be counted if consistent year-over-year.

→ sometimes included depending on lender policies and proof of consistency.

If you’ve been with your department or employer for two years or more, your lender can average those extra earnings to help you qualify for a higher mortgage amount.

To help lenders include your overtime and shift income, you’ll need:

(showing YTD earnings).

(to show average income).

confirming position, status (full-time, permanent), base rate, and expected overtime.

This documentation allows underwriters to verify your income stability — a key factor when using variable pay types.

Not all lenders treat overtime the same way. Some will only use your base pay, while others — especially those partnered through the

— understand that overtime and shift work are part of your normal income pattern.

A broker familiar with first responder files will:

Identify lenders that accept consistent overtime.

Average your past two years of income to boost your qualifying amount.

Help you prepare documentation in the format lenders prefer.

Advocate for your file if an underwriter questions your income structure.

Through partnerships with supportive lenders, the Alberta First Responder Mortgage Program offers:

for overtime and shift-based income.

for eligible first responders and AUPE members.

— $200 contributed for every mortgage closed through the program.

for standard residential mortgages.

This program was designed by first responders, for first responders — so your schedule and income are properly understood and respected.

If you’re a police officer, paramedic, nurse, firefighter, or other Alberta first responder, your

Working with a mortgage broker who understands your pay structure ensures your income is represented accurately and maximizes your approval potential.

If you’re a first responder looking to buy your first home or refinance, the Alberta First Responder Mortgage Program can help you get there with confidence.