First-time buyers moving between Saskatoon and Martensville can still use the same national programs, including the Home Buyers' Plan at up to $60,000 from an RRSP and the FHSA at $8,000 a year to $40,000, since those are federal programs, not city-specific ones.
Minimum down payment is the same 5 percent up to $500,000 and 10 percent above that regardless of which side of the city line you buy on, and mortgage insurance through CMHC, Sagen or Canada Guaranty applies the same way.
Joel Dyck works with buyers comparing Saskatoon and Martensville regularly and can lay out the real tradeoffs. Get your hand-reviewed valuation from Joel Dyck.