First-Time Homebuyers

Kelly Maxwell Real Estate Team

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First-Time Homebuyers

Your first home is likely to be the largest financial purchase you’ve ever made. And even though Calgary real estate is still more attainable than in many of Canada’s other major centers, homeownership can feel like a huge leap. The best way to alleviate the stress of buying your first property is to work with professionals who have the knowledge,  experience, and ethics to provide accurate, unbiased information. 

With two decades of experience in the Calgary real estate market Kelly Maxwell works hard to exceed expectations. We want to be the real estate team for your life.

Step By Step To Find Your Perfect Space

We understand that purchasing your first home can feel daunting. Walking you step by step through the entire home buying process, Kelly Maxwell and her team have the experience and expertise to help you find your perfect space.

We begin by identifying must-haves and wants. Will you require CMHC mortgage loan insurance? Do you envision yourself in a suburban, rural or inner-city property? Do you need a home office or easy access to public transit? Which features are most important? How many bedrooms, baths, and do you love to cook?

We want to ensure that your new home will work for you today and into the future. Do you need room to grow your family? Is it important that you live close to family and friends? Whether it is a condominium, new build, single-family home, etc. we educate you on the pros and cons of each. 

Then we research the communities that are best fit for you with the goal to find you the most affordable home in the best neighborhood. It is important you are familiar with the neighborhoods you are considering and are aware of zoning, traffic, active development permits, and various other site influences you may not have considered. For example, that beautiful green space across the street may belong to developers who plan to build a strip mall or high rise.

Buying your first home isn’t just about location and square footage (though these are certainly important). It’s about being able to envision your life in that space. We promise to consistently exceed your expectations and make your first home buying experience memorable (in a good way!).

The Real Estate Team For Your Life

Real estate, whether as a first time purchase, upsize/downsize, or income property, is a life-changing investment. Are you looking to buy or sell?  offers extensive finance and business expertise in addition to over two decades of professional experience in Calgary’s real estate market. 

Call or text 403.875.1114 - we’d love an opportunity to exceed your expectations and become the real estate team for your life.

Responsive, Innovative and Results-Oriented

The Kelly Maxwell Real Estate team combines extensive finance, business, and marketing expertise. Kelly brings two decades of real estate experience. There are many factors to consider when buying your first home and the more knowledge you can access, the better the decision you’re able to make. In addition to two decades in the real estate industry, we have extensive finance and business backgrounds. 

Working directly with you every step of the way, we make sure you fully understand the process and the contract, which is particularly important for first-time buyers. We stay abreast of current technologies, and our expertise in marketing, business and finance allows us to create strategies and unbiased solutions tailored to your specific needs. 

Communication and Transparency Throughout the Process

Buying your first home is life-changing, and that is why it’s crucial to work with someone who will not only consider your needs and wants, but also provide you with all the information and guidance you need to make a sound financial decision. Once we understand your vision and financial picture, we will work with you to determine the type of ownership that would be a good fit. Whether it be a condominium, new build, single-family home, and in what neighborhood, we help you understand the pros and cons of each. 

We promise to communicate every step of the way, ensuring the process is transparent and fully explained. 

What Our Amazing Clients Have To Say

When our clients say we care, we are relentless and we will make your dreams happen, it’s because we have decades of experience getting to know the Calgary market and our individual clients themselves. We anticipate and communicate your needs and support you to feel informed, prepared, and comfortable throughout the process. Read why our clients chose us to be the real estate team for their life.

Helping You Achieve Your Real Estate Goals

We want to get to know you, learn about your goals and dreams, and work with you to make them happen. Knowledge, experience, and a genuine desire to exceed your expectations - because our goal is to become the real estate team for your life. 

Call or text us at 403.875.1114 and let us know how we can help.

The Process to Owning Your Own Home

The first step in your home buying journey begins with a clear vision of what you need and want in your first home. We take the time upfront to understand what you are looking for so that the investment you make today will benefit you far into the future. We start by meeting with you to determine your location requirements and preferences. Do you envision your first home in the city, suburbs, or maybe in the country? Are there any particular neighborhoods or communities you want to live in?  Do you require proximity to any amenities such as public transit, shopping, schools, recreation facilities, or maybe you want to be able to walk to work? 

Once we’ve determined the ‘where’, we need to consider the ‘what’. What size of home are you looking for? Are you looking for a certain number of bedrooms or bathrooms, or maybe you work from home and need an office? Is a garage a must-have? Do you love to garden and want a large backyard or prefer a maintenance-free space? We will help you identify must-haves from wants. 

The next step is to determine what you can (and want to) afford. Ideally, you already have a pre-approval letter from your lender but if not, we can help you with that. We have a solid network of trusted professionals, including mortgage brokers, that we can connect you with. We’ll also review all the costs that you’ll need to consider when purchasing your home - legal, inspection, insurance, utilities, etc. We share it all so that there are no surprises. 

Once you are clear on need, wants and budget we begin the search for properties with the goal to find you a home that ticks as many of your boxes as possible. When you decide on a home, we will negotiate the best price possible, and review all the documentation with you.  After your Offer to Purchase has been accepted, we walk you through the closing process and milestones so you know exactly what is happening, when. 

And last but not least, we hand over the keys to your new home for you to start new beginnings and create amazing memories.

First-time Homebuyer Frequently Asked Questions

You don’t want your dream home to become a nightmare so it is important to be realistic about how much house you can afford and to work with professionals. We have a network of trusted real estate-related professionals that we feel confident will have your best interests at heart. 

We can also advise you on various first-time homebuyer programs available to help save you money.

No, it isn’t necessary though it is helpful. You will eventually need to be approved anyway, it makes sense to have a pre-approval letter when you begin your search. The market waits for no one and it can make all the difference when you are ready to buy. We work with some excellent financing specialists and would be happy to refer you to someone who can provide a pre-approval document.

According to Canada Mortgage and Housing Corporation (CMHC): “You will typically have a minimum down payment starting at 5%. For a purchase price of $500,000 or less, the minimum down payment is 5%. When the purchase price is above $500,000, the minimum down payment is 5% for the first $500,000 and 10% for the remaining portion.”

Calgary's Trusted Real Estate Team

Calgary's Trusted Real Estate Team

Our Client focus and relentless commitment are backed by deep finance, marketing, and business expertise and decades of professional experience in Calgary’s real estate market. We are here to meet your goals and be the real estate team for your life. Whether you’re a first-time homebuyer, downsizing, or looking for the perfect investment opportunity our team is here to help. We are proud to serve Calgary, AB, and all of its surrounding communities.

Committed to Exceeding Expectations

Whether you are buying or selling, it’s important to work with real estate professionals you can trust to consistently put your needs first.  The Kelly Maxwell Real Estate team brings deep finance and business expertise, along with two decades of experience in the Calgary real estate industry. Our commitment is to consistently exceed expectations by being the most responsive, innovative and results-oriented professionals in real estate today. 

Call or text 403.875.1114 and let us become the real estate team for your life.

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