Alberta Mortgage Calculator

Step 1 · Estimate your rebate

New-Build GST Rebate Estimator

Slide the purchase price, set your buyer status, and see the potential rebate — then send it for a full new-build scenario review.

Check My New-Build Scenario

Estimates only · Not an approval · Alberta-focused

How to use this calculator

  1. Enter the purchase price from your builder agreement — confirm if it is net or gross of rebate.
  2. Mark first-time buyer and owner-occupied intention; investment builds generally do not qualify.
  3. Remember the rebate phases out between $1M and $1.5M and ends at $1.5M+.
  4. Treat the result as a planning estimate — CRA and builder paperwork determine the final amount.

Your live estimate

New-Build GST Rebate Estimator

Planning estimate of the federal First-Time Home Buyers' GST rebate on a qualifying Alberta new build — 100% of GST paid up to $1M, then phased out to $1.5M.

Your live estimate

Potential GST rebate (planning estimate)

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Estimated federal GST (5%)
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Rebate as share of GST
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Adjust your numbers

Drag sliders or type amounts — your estimate above updates instantly.

Fair market value / agreement price used for the rebate.

FTHB rebate generally requires agreement on or after March 20, 2025 — confirm with your builder.

This site is for education and planning only. Calculator results are estimates only and are not mortgage approvals, financial advice, or lender commitments. Always get professional advice before making financial decisions. Rates, payments, cashback, eligibility, qualification, and lender options are subject to lender approval, insurer rules, borrower qualification, property details, and applicable terms and conditions. Alberta Mortgage Calculator accepts no liability for decisions made from calculator estimates or general site content.

Review this new-build scenario with a local lender

Your purchase price, buyer status, owner-occupancy answer, and GST rebate estimate are attached automatically for a local lender review.

How this works

  1. You adjusted the calculator above
  2. Your inputs and estimate are attached to this form automatically
  3. You add your contact info and a local lender reviews the scenario

Adjust the calculator above — then review these numbers with a local lender.

This site is for education and planning only. Calculator results are estimates only and are not mortgage approvals, financial advice, or lender commitments. Always get professional advice before making financial decisions. Rates, payments, cashback, eligibility, qualification, and lender options are subject to lender approval, insurer rules, borrower qualification, property details, and applicable terms and conditions. Alberta Mortgage Calculator accepts no liability for decisions made from calculator estimates or general site content.

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Mortgage professional review

Send your scenario and a mortgage professional can review your numbers with you.

Estimates, not approvals

Calculators help you plan. Final rates and qualification depend on lender approval.

Fast follow-up

Send your scenario and a mortgage professional reviews your numbers promptly.

This site is for education and planning only. Calculator results are estimates only and are not mortgage approvals, financial advice, or lender commitments. Always get professional advice before making financial decisions. Rates, payments, cashback, eligibility, qualification, and lender options are subject to lender approval, insurer rules, borrower qualification, property details, and applicable terms and conditions. Alberta Mortgage Calculator accepts no liability for decisions made from calculator estimates or general site content.

Review My Numbers