New to Canada? Let’s Make Buying Your First Home Simple
You’ve made the move—now let’s help you settle in. We offer newcomer mortgage solutions designed for permanent residents, recent immigrants, and those building credit from scratch.
Mortgage Solutions Built for New Canadians
Buying your first home in Canada is an exciting milestone—but it can also feel complicated if you’re new to the system. You might not have a Canadian credit history or long-standing employment here yet, but that shouldn’t hold you back.
As mortgage professionals, we help newcomers to Canada secure financing with lenders who understand your journey. Whether you’re a permanent resident, recently moved on a work permit, or still establishing credit, we’ll guide you through every step.
Our New to Canada mortgage services include:
- Low down payment programs through insured lenders
- Alternative income documentation options
- Credit-building and approval strategies
- Access to major banks, credit unions, and newcomer-friendly lenders
- We believe in making homeownership accessible—no matter where you’re starting from.
Why Newcomers Get Turned Down—And Why We Say Yes
Why do customers love working with us?
Got Questions? We’ve Got You
FAQ
Yes, you can. Several lenders offer special mortgage programs for newcomers with limited Canadian credit history. If you have a work permit, permanent resident status, or a valid visa and meet the income and down payment requirements, you may be eligible.
Typically, newcomers need at least a 5% down payment for homes under $500,000. The source of funds must be verifiable—such as savings, gifts from family, or international accounts that can be documented. In some cases, larger down payments can increase your chances of approval.
No, not always. Some lenders accept international credit reports or base their approval on rental history, utility bills, and employment records. We’ll help you build a strong application with what you have.
Lenders generally require proof of stable employment or income in Canada. If you're new to a job, have a contract position, or are transferring with an employer, there are options to qualify. We'll walk you through what counts and how to document it properly.
Yes. Lack of credit is different from bad credit. Many lenders offer “no credit” programs for newcomers, and we can also guide you in building credit fast to strengthen your application.
Yes, certain lenders accept work permits or other visa types. The type of mortgage you qualify for may vary, but you don’t always need to be a permanent resident to get approved.
There’s no strict timeline. Some programs are open to applicants within weeks of arriving, as long as they meet income and identification requirements. Others are available after 6 months to 2 years of living in Canada.
Yes. Many major banks and lenders offer newcomer-specific mortgage products with lower down payment thresholds, flexible credit requirements, and additional support for first-time buyers.
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