Pre-approval while on probation in Alberta.

Underwriting treats probation as employment risk. A clean offer letter alone is rarely enough.

Alberta adds its own layer. Calgary and Edmonton run on different employment-cycle assumptions. Oil-sector commission and bonus income is heavily averaged. That matters here because underwriters are already scrutinizing the income side of a pre-approval while on probation file — a property or program complication local to Alberta can push a marginal file over the edge.

No land transfer tax. Land Titles registration fee plus mortgage registration fee — a few hundred dollars typical.

Programs to check eligibility for in Alberta:

• FHSA
• Home Buyers' Plan (RRSP withdrawal)

• Offer letter with explicit probation length and terms
• Letter from HR confirming role is permanent post-probation
• Employment history showing same industry continuity

Alberta nuance: Bonus and commission income require 2 years of T4s; many Alberta files are killed by overstating recent strong years.

• Variable income from energy-sector roles is averaged over 24 months minimum.
• Acreage and rural files trigger MLI restrictions over a hectare.
• Condo board documents are commonly thin — request the full reserve study.

Underwriter view of this scenario: Industry continuity matters as much as the probation clause itself. Same role/same industry borrowers clear more easily than career-changers.

• Provide a clean industry-continuity story in writing
• Identify lenders whose policy permits probationary income in the same industry
• Defer the property search until probation ends if possible

• Career-change probation (different industry, different role).
• Probation extended due to performance concerns.