Crystal Tost (403) 264-7653

Calgary First Time Home Buyers

Congratulations on making the decision to buy your first home. Buying your first home can be very exciting. But at the same time it can also be a bit intimidating. Sure there are many things to consider when buying a home, and even more so when you are buying your first home. Take a look at our our "Step by Step Buyer Guide" to get you started there you will find a general guide to buying your first home. I also recommend taking a look at "What to Expect from your Real Estate Agent"  Now that you are up to speed on some basic information, let's talk about you!

What Makes a First Time Home Buyer Different ?

Calgary First Time Home Buyers Buying their Home

Well as a first time home buyer you have a few advantages over the rest of us.  At present time there are two  incentives for first time home buyers to take advantage of. There are listed below

  • RRSP's as Downpayment - as a first time buyer you can borrow against your RRSP's up to $25,000 per person (up to 2 people and $50,000) to go towards your down payment. You do have to pay it back of course but the process is dranw out over 15 years ( starting the 2nd year after the intilal withdrawl)  with an easy repayment schedule. You only have to reay 1/15the of the amount your withdrew each year.  You get the benefit of using the RRSP's as a tax break. They do have to site in the RRSP account for a minimum of 90 days before they can be de-registeted and used as a down payment source
  • Tax Credit - make sure you tell your accountant that you bought  your "first home" because there is a Government tax credit of $5,000 in the year that you purchase your first home. Of course this has to be your principal residence and does not qualify for investment properties. 

At CalgaryListings.com we work a great deal with first time buyers just like YOU! The process of buying your first home is best handled with a real estate professional. The best place to start this process is with an in office meeting to discuss your options, and answer your questions. Please let me know how I can help you.

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Calgary First Time Home Buyer Testimonials

"Crystal helped us buy our first house in Calgary. We appreciated that she understood what we were looking for and provided us an excellent selection to pick from. Highly recommended!"
Larry Gorluik

"Crystal helped us find our house in 2006. She set up multiple walk throughs based on the information that we had given her about what we were wanting. She was quick to point out things that might take us in the wrong direction. She has kept great contact and sends monthly market reports that I quite like to read when I get them. In 2008 my Grandma hired her to sell her house and Grandma was very impressed. Crystal had the house sold for asking in under a week even more impressive is that the house next door to Grandmas went up at the same time yet took three months to move. I would highly recommend Crystal and would not hesitate to use her again in the future. "
Danny Marshall

"Crystal was the third real estate agent that I worked with in my search for my first home, and the only one that I had a good working relationship with: she gave me great advice and I trusted her. Crystal listened to my needs, and worked with me in my preferred search area to find me the perfect property. The house that I ended up buying was fresh on the market and not in the public listings yet, I think I was the first and only person to view the property in a fairly hot market"
Michelle Boast

"Crystal is excellent at her job and takes pride in her work. She is patient and does not pressure sales. You can trust her and rely on her to find you a great home!"
Julie Branch

"Crystal helped me buy my first home. She was knowledgable, professional, and a real joy to work with. I would highly recommend Crystal for your real estate needs!"
Suzanne Kendall

"Crystal Tost is exactly what a young, modern professional wants in a real estate agent. She's smart, friendly, and tuned in to the areas of Calgary that are a good investment. She only showed me places that matched my interests, and was quick to red flag issues that might affect the resale value. Best of all, she's tech savvy – so every step of the purchase was easy and convenient"
Anders Svensson

"Crystal helped me find my house with an incredible amount of patience, availability and expertise in all house-related matters. As a real estate agent, Crystal is definitely in the ivy league. She required an exclusive relationship and more than delivered for it, visiting houses with us any day of the week or well beyond normal business hours. Her keen eye would spot hidden flaws in seconds and when we eventually bought, she right away showed us how to improve and market the house in a few years. As a client, I have been delighted by Crystal. And during some rough time afterward, she was by our side, proving that beyond the great professional is a wonderful person with a huge heart. Dealing with you has been one of our best experiences in Canada and God knows there have been quite a few. Thank you "
David Coulibaly

"I was referred to Crystal as my sister previously bought a condo from her colleague who was no longer working. Crystal assisted me in buying my first condo and made the experience very enjoyable. She was not only knowledgeable and professional but she was a joy to spend time with on my search. She is full of great advice and will take the time in takes to find a place that is right for your needs. Recently I recommended her to my sister who is now the happy owner of a new home thanks to Crystals assistance. I had nothing but an enjoyable and seamless experience with Crystals help. I would recommend her again and again without hesitation."
Julia Bonner

"We were very happy with the quality of service that we received from Crystal Tost throughout the entire process of purchasing our first home. Crystal always responded promptly to any questions or concerns we had, and made the process very easy for us. She was very professional and knowledgeable and made an effort to find out what we were looking for and the style of sales that felt comfortable for us. We appreciate her commitment to her clients and how good she is at what she does."
Del Holder

"Crystal was the best! She knows Calgary like the back of her hand and showed us as many properties as we needed to see until we found the right property for us. I'll be calling on her again in the future!"
Lauren Dunlop-Dorgan

"I bought my very first house through Crystal, and sold that house and bought my next and current home with her. Any time after that, that I've looked at other homes and considered moving has and always will be with her! She will work hard to get you the home you want and love!""
Stephanie Cheeseman

""I and my wife would like to thank you Crystal for her great help to find our first home in Calgary. We have nothing but good things to say about her commitment to finding us the right place. She is really hard worker and honest. She is knowledgeable about real estate and shared her knowledge freely with us. Thank you Crystal for all your efforts""
Ahmad and Sanaz C

"“Crystal was great to work with. We went with her because of the comments we read online in purchasing our first home. She’s every bit what people have said. She’s knowledgeable, experienced and professional. She was great at providing additional information of where to get the home inspection, lawyer, etc. We did not feel any pressure of pulling the trigger on any particular house and Crystal always gave her complete honest opinion (by pointing out the good and bad of each house we saw). We felt Crystal was patient in helping us find the perfect house. We’d recommend Crystal to all our friends and family“"
Ahmed I.

""Crystal was absolutely invaluable when I recently decided to purchase my first home. From start to finish she has been qualified, supportive and extremely helpful in walking me through the process and providing me with the information I needed to make necessary decisions. She was always there to answer any questions I had in a timely manner, advise me of what to expect next, and always demonstrated a high level of professionalism and caring to ensure my needs were met. I know I wouldn't have done nearly as well without her and it would've required a lot more effort on my part. I'll never forget all her hard work to ensure the transaction went smoothly and was completed within a short period of time. I will highly recommend Crystal as a realtor to anyone who is looking to buy a home.""
Chris and Krista Hillier

"They were excellent to work with. No issues or complaints. Very helpful."
Shannon and Jeff Davis

"We would like to thank Crystal and Tyler for helping us find the perfect home. Both were part of the entire process from start to finish. Professionalism and attention to detail second to none. 
We have and we will continue to recommend your services to our friends and family.  
Thanks again, Shaunna & Matthew"
Matthew and Shauna Wealleans