Talk to Tim at 403-648-1541


No Down Payment

Mortgage Solutions.


No Down Payment

Mortgage Solutions.

Do you seek a little to no down payment mortgage in Calgary? Tim Lacroix is your local Calgary mortgage expert. Ask Tim about his no down payment solutions!

At Kardia Mortgages we believe that the goal of homeownership should be attainable for everyone. However, at times it can be a difficult process. Though a down payment can seem like an insurmountable financial obstacle, it doesn’t have to be.

Your goals of home ownership can be achieved with a little help from your local mortgage expert. Tim Lacroix is able to offer no down payment mortgages in Calgary to individuals who qualify for the program.


In order to qualify for a no down payment mortgage in Calgary there a few things you need to know first. Here are some contributing factors:


You must have good credit with a minimum 2 year credit history required.


Your employment is steady and have a minimum of 1 year in the same line of work.


Your income is sufficient to support your mortgage payment.

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These are the contributing factors to whether or not you will be able to qualify for a no down payment mortgage in Calgary.

Remember that purchasing a home is a big endeavour. As such, there are other fees that must be taken into account. These fees include deposits, closing costs, etc. As a general rule, you should have 1.5% of the purchase price at your disposal to cover the closing costs of your new home. 


Tim Lacroix would be happy to help you look into the options you have for buying a home in Calgary – or around Calgary! There are many great communities just outside the city limits that could be just the spot you’re looking for.

There are a few programs out there for no down payment mortgages in Calgary. Tim will help you navigate the waters with his 10 years of expertise in the industry. As your local Calgary mortgage broker, you are in good hands.

Let’s work together to you a little to no downpayment mortgage!

If you are considering getting a mortgage you will want to talk to one of the most knowledgeable Mortgage Brokers in Calgary, so call Tim Lacroix and the rest of our team at Kardia Financial today.

We believe that there is a comprehensive solution for everyone.

Contact Us

501-10333 Southport RD SW
Calgary, AB T2W 3X6